WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from FedLoan Servicing for a payment of {$12.00} XX/XX/2016. After confirming they were my new loan servicer, I promptly paid it. I received a bill a week later for over {$600.00}. I called FedLoan to inquire why my bill went from {$12.00} to over {$600.00}. They had no explanation but stated I could enter a payment plan with payments under {$150.00}. I agreed. The CS asked when I could start payments, I stated the XXXX of every month starting in XX/XX/XXXX. I was never told my balance was originally $ XXXX, nor the fees FedLoan added totaling $ XXXX when they acquired my account. During XX/XX/2016, I received a bill for {$180.00} in the mail from FedLoan. I immediately called to inquire why the bill was so high. They stated the bill was higher due to the 60 day deferment, because of this I now owed more. I reveiewed but could n't make sense of the bill. So I checked the FSA website, it stated I owed $ XXXX. When I checked FedLoan 's website of my account, I now owed $ XXXX!!!! How did my bill go from $ XXXX to $ XXXX to now $ XXXX in 120 days? I paid the {$180.00} and began to sift through several letters that made no sense from FedLoan stating I was on IBR ( I 'm not ), that I had requested several deferments ( I had not ) and several letters stating that my bill was going up and interest I now owed because of said deferments. In the end, my payments ballooned from {$12.00} to {$180.00} to now {$190.00}, with the amount owed at $ XXXX. The CS never stated that I would owe $ XXXX for each month I did not pay. If that were the case, I would not have agreed to a later payment date. Who would agree to such exorbitant fees?!? If this is n't predatory loan lending/servicing, I do n't know what is. This simply can not be legal. 1 ) FedLoan did not follow DOE 's guidelines for contacting me to inform me they were my new servicer. I contacted them. 2 ) They did not inform me of my rights as a borrower. The company simply sent me an exorbitant bill with no explanation as to who or why I owed such money.. I simply put it together on my own that it was connected to my student loans. 3 ) The CS agents with whom I spoke did not explain, and I do not feel they were capable of explaining the repayment terms or borrowers rights and options. The CS a ) presented amounts I could pay under several plans, b ) after I chose the plan and amount I could afford to pay, she asked when I could start payments c ) she stated when the payments would be due the and some standard language and hung up. 4 ) NO ONE explained any percentages or amounts that would be added to an account. It seems copious amounts of fees are added to my account every couple of weeks with very little to no explanation and no one that can held accountable for actions and no one with decision making capabilities can ever be reached. I owe $ XXXX and I want to pay it. I do not owe $ XXXX and the DofE needs to be better watchdogs on the loan servicing companies they assign to their borrowers. It 's not enough that the original loans were predatory to begin with ; they hire companies to do thrice as much damage to those that can not afford to pay but try.
I was contacted by XXXX in XX/XX/XXXX asking us to sell our timeshare because they had a buyer. All we had to do was send {$2800.00} for title search. He said it would take approximately 3 weeks. I did n't hear from them [ after they got my credit card # ], so i called them in XX/XX/XXXX, they said the title search was taking longer than expected. On XX/XX/XXXX i called and was told buyers had untill XX/XX/XXXX to sign purchase agreements. On XX/XX/XXXX i called and was told purchasers were going after lower interest rates and that their finances are fine, but requires more paper work. They told me the buyers had until XX/XX/XXXX to close, so call back on XX/XX/XXXX. I called daily from XX/XX/XXXX through XX/XX/XXXX and all i could get was an answering machine or recording saying the message box is full. Once they had my credit card #, they never called me back. They did have an add to sell the timeshare on their website, but all the phone # were disconnected. So if you were interested in buying, you could n't contact anyone to purchase. This company was a scam, the owner XXXX is currently in jail for having done this to more than XXXX people. I called capital one to make them aware and dispute the charges well within the allotted time frame. I sent them documentation of a cease and desist order against premier timeshare solutions by Attorney General XXXX of North Dakota on XX/XX/XXXX due to consumer complaints, a tv expose by XXXX exposing this company as the crooks they are, and a copy of complaint XXXX full of peoples stories of being scammed by these con artists. These documents, along with previous letters from us stating and listing all the disconnected/out of service phone # s for XXXX [ how can they " market '' our property with diconnected phone # s for " interested buyers '' on their bogus website ] were sent and received before the requested deadline of XX/XX/XXXX. Not to mention an F rating by the BBB. I told them not to pay and i would n't pay. Capital one sided with the scammer. They sent a lawyer after me, XXXX, and when i sent them the documentation they backed off and told me they were sending it back to capital one and try to work it out with them and provided a phone # which i could n't get through. I have called capital one numerous times to try and resolve this. Basically i get nowhere, tell my story to someone on the other side of the planet, get put on hold and go round and round. I am currently trying to get a mortgage and this has screwed up my credit report, the gift that keeps on giving. They have charged off every month for the last 6 plus years. This is the only thing that comes against me, all my bills are paid on time. Capital one should not have paid this con artist, i gave them plenty of evidence backing my claim, XXXX is in jail for this crime and capital one refuses to admit their error and not punish me for their mistake, thank you
Acct # XXXX Chase Mortgage Property address : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Complains : XXXX XXXX I am trying to reach Chase regarding this Home Equity Loan. I request these twice already. I can not recall any of these transactions. I request copy of paper checks showing my signature. I am only requesting this because I moved many times around Florida and I do not remembered making these transactions. Chase send me a computer screen shot printed but they said that they won't provide additional information because they are unavailable. 
I can not understand why they send me with a XXXX but they do not have proof of my signature on this transactions. I want this to be corrected. Why they are sending XXXX without evidence. 
I am requesting something simple. Why they do not have evidence or prove? Why they are sending a XXXX without evidence?
I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.
On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXXas the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Glass mountain capital is trying to collect a debt which is not mine. I am a victim of identitytheft
This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.
I agreed to pay my student loan by having it directly taking out of my checking account @ {$110.00} per month. I receive a letter in the mail XXXX 2017 stating that my student loan has been paid in full. I called Navient to see what that meant and I was told that it was only for one of my loans. The loan amount was {$750.00}. I asked how many months had they been takingXXXX out of my account? I was told 33 months. I wanted to find out is that ok or can they be made to reimburse me some of the money.
XXXX XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
Transunion XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.
On  XXXX   XXXX ,  2017 , I opened online a Wells Fargo Every Day checking account which was offering a {$250.00} bonus for making either a minimum  of 10 de bit card purchases or at least {$500.00} in qualified direct deposits within 60 days of account opening. I was instantly approved and received an e-mail directly from Wells Fargo confirming my new account was eligible for the bonus. I completed t he 10 deb it card purchases on  XXXX   XXXX ,  2017 . Since the bonus should have been deposited into the new checking account by  XXXX   XXXX ,  2017 , 45 days after the requirements were completed ; I went to Wells Fargo  XXXX   XXXX  branch located at  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  on  XXXX   XXXX ,  2017 . The bank officer opened an investigation but I have received no response from Wells Fargo so far. More th an one mon th after the 45 days waiting period, the {$250.00} bonus has not been deposited yet.
While Finalizing a Home Refinance on XX/XX/2019 the lender contacted me and stated there was a derogatory entry from a company called Virtuoso Sourcing Group in the amount of {$2600.00}. This company has never contacted me concerning a debt I called them and spoke to a XXXX XXXX would not give me there full name. I requested they verify my Phone and Physical address which they could not do. They would not disclose the details of the debt but would send written correspondence which they have not done. I sent a letter and email demanding proof of debt and that the derogatory entry be removed. They have still not responded to either request, in addition there are hundreds of official complaints and reviews alleging the same conduct. This company is clearly violating federal law with apparently no repercussions.
I have disputed with the three credit reporting agencies, Transunion, XXXX and XXXX, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
OnXX/XX/XXXX, I received a credit monitoring alert that " XXXX XXXX XXXX '' had posted a collection to my Trans Union credit report. I called the number listed on my credit report but was unable to reach anyone. 

The presence of this account on my credit report is false and misleading. I would like it removed.
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b
My loan was moved to Navient. I requested a deferment several times via email because I was homeless and without employment. I received emails that said all I needed to do to request a deferment was to reply to the email, which I did. I then found out they did not put my loans into deferment like they said and ended up referring them to collections. I still have these emails showing I made multiple requests and even asked them to provide a form if necessary via email. I received these loans at XXXX University, XXXX and XXXX.
I had disputed a charge on my account for {$380.00} due to faulty repair work on my Fridge. The initial charge was XXXX XXXX, 2015 and I disputed it on XXXX XXXX, 2015 and Bank of America credited it back to my account. However, the company sent them a copy of the receipt and Bank of America charged it back to my account. 

The complaint was not that it was not authorized, the complaint was they did n't repair the appliance and would not honor the guarantee. I have since bought a new fridge and want my money back to pay at least for part of the new XXXX!
Capital one closed my accounts ( two accounts ) after having a returned payment. This was the first and only returned payment I have ever had. This returned payment was because I tried to make a payment from my savings account instead of a checking account, which I did not know would be a problem. Capital one did not reach out to me or contact me in anyway before closing my account. I called them and was told my account was closed due to multiple returned payment issues, however they confirmed that was the ONLY returned payment issue they had on my account. Also they closed my other account that was n't even the account I made the payment on. I was told by a supervisor that these are reviewed by fraud and fraud department researches and makes contacts before closing accounts, however I was never contacted by anyone. Capital one has advised there is nothing they can do at this point and can not reopen an account, but instead offered to assist me in completeing an application for a new account. I spoke directly to their fraud department and they comfirmed they were unsure why it was closed based only on one returned payment. The rep offered to open an investigation to get further details and see if it could be reopened. She advised she would personally call me back within a few days, I have not heard back from her. This has negatively impacted me because a closed account is a negative impact on my credit report. It seems as though they are using this as a loop whole to close accounts, which will negatively hurt people and then get them to sign up under a new account. Having a closed account looks bad on a credit report and it also shortens the length of time for account history. By them trying to make me open a new one, that would make my account history start over.
On XX/XX/XXXX, we send a letter to OneMain Financial Group in regards to a letter they sent us dated XX/XX/XXXX that our mortgage in the amount of {$4200.00} was transferred to them on XX/XX/XXXX. We attempted to call them seeking what is this. We were asked to provide personal information. We were leery of this so we generated and mailed out a letter seeking documentation of this mortgage debt. Nothing was provided. We received another letter from them stating the same amount but a different transfer date. It went from XX/XX/XXXX to XX/XX/XXXX. This must be a scam since we do not have a mortgage in the amount of {$4200.00} that was originated on XX/XX/XXXX. The co-borrower, XXXX XXXX, is my husband and we married on XX/XX/XXXX. Any debt occurred after this date would have been in my married name as XXXX XXXX XXXX versus XXXX XXXX. Also, for all financial transactions, we both utilize of middle initial. OneMain Financial has not provided us with any documentation or who the previous lender/servicer was.