WillisBack/dataset-financial-user-claim huggingface dataset:
Comenity Ba nk,  XXXX   XXXX  credit card continues to be a problem. They do not show an upcoming payment in their website ( account management ), and then with only a few days advance notice, demand a payment which they show as " past due. '' On   XXXX   XXXX   I wrote to them, asking when my next payment would be due and for how much. They responded and said they did n't know. Now, today,   XXXX   XXXX  , I logged into the account and they show the payment as past due and request {$380.00}.     The payments they request are excessively high and beyond the amount that I can pay, both for this card and the  XXXX   XXXX  account ( approximately 10 % of the total balance ). They do not show a payment due, and then only show a payment as past due, charging additional fees and penalties. Using this scheme, I will never be able to pay off the credit card and I can not keep up with these payments.     Please help!
I was on a call with Navient Rate Reduction team speaking to XXXX XXXX. During the call I ask if she could relook at my account to see my options again about being on the rate reduction plan. I asked informative questions and with getting minimal response back I asked her to explain in more detail and to help me better understand. The amount of the payment plan had increased from last year and she stated that the interest rate would not change from last year. But mathematically it was not adding up so I asked her to please explain in detail, to have me better understand the break down. Eventually she became overly aggressive. After several times of stating that I was not trying to frustrate her I was just trying to get clarity her aggression heightened. She then with anger told me that she was getting her supervisor to speak to me. I restated that there was no need to be aggressive and her response : " I am not being aggressive you 're just not accepting my answers. '' Again her " answers '' were not informative. XXXX of her " answers '' during the call when I asked her to verify the breakdown she claimed that the private lender can " change how they do things simply because! '' How is that a legitimate answer to a question regarding a breakdown and what factors are included in this calculation of this " rate reduction plan ''. 
The call was unprofessional and my questions regarding my private loans still remain unanswered.
I have taken loans out from XX/XX/XXXX until about XX/XX/XXXX. 
I am the victim of Predatory lending practices from Navient 's deceptive practices and predatory conduct harmed student borrowers and put their own profits ahead of the interests of millions of families across our country who are struggling to repay student loans there is no way I borrowed maybe about XXXX, to about XXXX in loans and owe XXXX
Borrowed {$800.00} from Red Rock Lending, the XXXX was not disclosed and it was 849.0116 %! I had scheduled automatic drafts to come out of my bank account in the amount of XXXX. And after the last draft came out to cover my loan amount, they continued to draft and I have to stop payment on them. This was last year. I have now been harassed by some company called XXXX XXXX saying that I owe XXXX. They are calling my job and people I know. I have no idea how they got their numbers either. They call me 5 times a day. I have never received any formal letter saying about owing money either from either company. The way the company was talking to me was like a scam and when I asked for formal documentation they started to get defensive and said " guess we will continue to call you everyday '' and " good luck ''. I do not find this to be the typical behavior of a credited company. Please help me.
Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXXwhich is 12 years later these companies Mr. Cooper/XXXX  mortgage are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for XXXX XXXX  to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX  I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right
Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.
There is inaccurate data on my credit report and when I filed a dispute, they sent me a confirmation number saying the investigation was complete but I was not able to view the results or my credit report. When i contacted support, they said they are unable to help me.
With the Equifax breach I am trying to take precautions to protect my personal information from ruining my financial life. There is very little help on the XXXX or XXXX or Equifax site to guide you to a free credit report lock or fraud alerts. They want to charge you at every turn. This is disgusting. I never asked them to collect my financial data and certainly not allowed them to leak it. I feel every person needs a free way to monitor or be alerted to any breach on their personal information that affects their life and head off a disaster waiting to happen some day in the future. THIS NEEDS TO BE FREE.
I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to XXXX  and Experian. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and XXXX.
In  XXXX    XXXX  , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing   XXXX   XXXX    XXXX  regarding a loan that I had with Prosper Funding, LLC that was purchased by   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney  XXXX   XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved.  XXXX   XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to   XXXX   XXXX   XXXX   XXXX  ho now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  XXXX  unanswered emails to   XXXX   XXXX   XXXX   in an attempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted  XXXX   XXXX   XXXX  by phone who identifies himself as the Compliance Officer at  XXXX   XXXX ,  XXXX  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gave  XXXX   XXXX ,  XXXX  more than 10 days to confirm that and contact me and they have not done so. If   XXXX   XXXX   XXXX   refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against  XXXX  and  XXXX   XXXX   XXXX .
The account below is paid in full. 

XXXX XXXX - Balance {$39000.00} Accounts ( 3 ) below are not mines. 

View all accounts COLLECTIONS XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$5900.00} Original creditor : 09 XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$310.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$3000.00} Needs Attention
On XXXX XXXX, XXXX at XXXX XXXX, I received A phone call on my cellular phone from a local number that said XXXX, it was area code XXXX. When I answered the phone, a debt collector from a company called dynamic recovery solutions was on the line. They said their phone number was actually XXXX or XXXX. The person was named XXXX XXXX. She said her companys headquarters is in XXXX, South Carolina. 

This company engaged in Call Spoofing which is ILLEGAL by federal law. Please review the attached picture for reference to federal law. I am requesting that dynamic recovery solutions ceased and desist all communications with me, and that they are FINED to the fullest extent of the law. Thank you and have a great day. XXXX bless.
Me and my husband had this Wells Fargo credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have XXXX XXXX XXXX reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to XXXXto resubmit it on my credit.
My complaint is with TD Credit Card. My husband XXXX XXXX closed his credit cart out on XX/XX/XXXX over the phone. We asked for the balance we paid {$1300.00} by check over the phone. Well it hasn't stopped since they keep telling us there is a payment of XXXX dollars due. This has been going on for over 2 years. We have not had the credit card since XX/XX/XXXX however even after we closed the account new charges have been appearing. It is harassment at this point ... Every time they say the credit card is closed out a new bill with a different amount shows up. If we closed out the account in XXXX and paid out the full amount in XX/XX/XXXXit should be done. They are ruining my husbands credit. I have a reference # of XXXX for XX/XX/XXXX of XXXX which we paid on that day for XXXX XXXX XXXX even though we had closed the account in XX/XX/XXXX. The call was taken by XXXX XXXX. She said the credit card was closed but it was not!!!!! 
XX/XX/XXXX I got a letter saying it was closed. XXXX XXXX XXXX should not have been charged! 
XX/XX/XXXX they say I owe XXXX we pay it. They say it is now closed. 
XX/XX/XXXX they say it is closed and we get a conformation letter XX/XX/XXXX they say I owe XXXX XX/XX/XXXX they say now I owe XXXX dollars A complaint was filed to you and you handled it and it was done. Now more than a year later ... 
XX/XX/XXXX I get another one saying I owe XXXX dollars!!!!!!! I want the harassment to stop!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Received offer in mail. Called and applied on the phone. The person asked for first XXXX numbers of social sec. number and said I was approved. I asked a question the person could not answer and transferred me. This person then asked for the last XXXX digits of social, which I did not give. They could not answer my question and hung up on me. I called them back and told them I would report them. It was Barclaycard Mastercard, XXXX, XXXX
I was told by  XXXX   XXXX   XXXX   of    XXXX   XXXX   XXXX    that I would have a free appraisal if I used   XXXX   XXXX   for my loan.I later was told by my loan c onsultant  XXXX   XXXX   XXXX  that I will be rguired to pay for my appraisal and if I wanted to be reimbursed by   XXXX   XXXX   it would show up as a credit at closing and I would have to pay a higher interest rate for the loan than t he one lo cked in-these are misleading and deceptive practices and where I come from it is called a lie.this is an unethical loan broker and should be investigated for this other malfeasance.I will be taking this complaint to the government mortgage regulatory agency handling oversight of these companies.
I applied for a Capital One Secured MasterCard and was approved in XXXX, 2018. I had to EFT {$390.00} to a secured savings account in order to receive a {$500.00} credit limit. I received my card XX/XX/2018. I did not activate it immediately because I was told by Capital One Customer Service I could increase my credit line to the {$1000.00} maximum by not activating it and call a representative to transfer the additional funds. I called their Customer Service line this A.M. ( XX/XX/2018 ) and was told my account had been closed by Capital One. After being cut-off twice I finally spoke with someone in the " appropriate department '' that said my account had been closed because of information on a background check they did on me. I never approved, in writing, a background check to be pulled on me, which is the law. I have to expressly authorize in writing, which I did not. I have open checking and credit accounts with the two largest banks in the U.S., XXXX and XXXX and this was NEVER an issue. I think Capital One is violating the law by opening secured accounts for individuals and pulling background checks without the applicant 's written permission.
TransUnion File # XXXX Request to remove inquiries XXXX XXXX & XXXX to match the information on my XXXX credit-report.
I was charged late fees when I was communicated over the phone that there would be no fees charged. Specifically, when I entered a special interest rate reduction program with Navient the customer reps told me that i should not make any payments because it would mess up me being approved for this special program. i told them multiple times my account shows delinquent the customer reps told me not to worry that the account would show normal once I entered this interest rate reduction plan. I call Navient to ask about these charges.I was placed on hold for extend amount of time and i was passed from customer rep to customer rep. Then i left a feedback vm that no one follows up with.
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, Transunion and XXXX ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and Transunion did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
On XXXX XXXX, XXXX I filled out a form on the Experian website to receive a " free '' credit report. Once I had submitted my information, it only shows certain reporting information for " free '' and says if you want your credit SCORE, you have to pay {$1.00}. So, I paid the {$1.00} to get my credit score. What the website does a VERY poor job of explaining is that in paying that {$1.00}, you are signed up for some sort of " membership '' program that costs {$21.00} per month. If you do n't call and cancel the membership within 7 days, your membership automatically renews for eternity. I was unaware that I was being signed up for this program, and when checking my credit card statement today ( XXXX XXXX ), I saw that I had been charged {$21.00} on XXXX/XXXX/XXXX and another {$21.00} on XXXX/XXXX/XXXX. It should also be noted that in going back through my junk email folder I noticed several emails from Experian, NONE of which were receipts or notices of being billed for the membership. I found a very generic " Welcome to Experian '' email, that had I seen at the time, I still would not have known that I had signed up for any sort of membership. Reading the email, it seemed like typical follow-up marketing when you give out your email address. No mention of the cancellation period, no mention of being charged for anything, it does n't even mention the word membership until the very BOTTOM of the email. When I called Experian to dispute the charges, explaining that I was unaware of being signed up for any sort of membership, they were only willing to refund one of the charges. I even spoke with a supervisor and no one was willing to help. The XXXX/XXXX/XXXX charge has not even gone through on my credit ( still pending ), yet Experian told me there was nothing they could do to refund the charge and that I would have the membership benefits through XXXX. Thanks Experian, that 's so helpful! I get another month of a membership that I did not sign up for, I do not want, need, or find helpful, and there 's nothing you can do about it. These types of practices are extremely deceitful and should be stopped!! I am certain that I am not the only person who has been tricked by this process. This needs to end, and the victims compensated justly.
Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXX when my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX& XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.
These Accounts have been deleted from XXXX XXXX. Immediately delete and inform XXXX  and XXXX  to delete also. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX credit report dated XX/XX/XXXX and XXXX XXXX file attached.
I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.
Your company has failed to respond to consumers request with in 30 days as Mandate by the fair credit reporting act, not answering consumers request within 30 days is a violation that could carry up to {$1000.00} penalty per item in a court of law. 
Please delete Requested items from my credit report I am litigious consumer and I fully intend to enforce my right as for the Fair Credit Reporting Act. 

Thank you for your quick response in this matter.
I responded to a promotional rate for refinancing student loans that I believe was a fraudulent offer, wasting considerable time. Other lenders have approved my application and I was shopping for a more competitive rate, that was offered by XXXX Citizens Bank declined a refinancing application for current student loans, stating insufficient income. What is significant is that I have an XXXX credit score, earned in excess of $ XXXX per year for the last three years, and $ XXXX for the last XXXX, and have virtually no debt outside of my mortgage ( {$1500.00}, and a {$500.00} car note ) and have been a bank customer for over a decade. All the loans are in repayment, and current. I would like CFPB to investigate, as this is either a fraudulent offer, or the bank is engaged in discriminatory practices as I am XXXX, and seeking a loan with a 5 year term.