WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing today ( XX/XX/XXXX ) to bring to the attention of the CFPB aggressive practices by XXXX XXXX  XXXX. 

Freedom Mortgage is the current holder of my mortgage ( Loan Number : XXXX ) ; the company reported in XX/XX/XXXX to the credit bureaus that I did not make payments on time. The report filed with the credit bureaus claims I had a balance of $ 1,000+ outstanding and 30 days past due. I have attached statements from my bank ( XXXX XXXX XXXX ) which show my most recent 3 payments sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicating no payment was ever late. The payments I made were in the amount of {$960.00} ( the same amount EVERY month with Freedom Mortgage ). I recently became aware that my payment has changed to {$990.00}. However, I have been living in XXXX dealing with family matters related to the deaths of my father ( XX/XX/XXXX ) and XXXX year old brother ( XX/XX/XXXX ) over the past several months and did not receive the notice of increased payment ( death certificates to be supplied upon request ). I learned about the underpaid amount in early XXXX and called immediately to pay down the small, accrued balance of approximately {$60.00} ( confirmation number : XXXX ). There is currently no outstanding, past due balance on my account and no payment has been missed. My credit score has gone from approximately XXXX to XXXX overnight as a result of this matter. 

I spoke with Freedom Mortgage 's representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she referred me to the Customer Care department. The Customer Care department supplied a letter on XX/XX/XXXX stating they will not retract the report from the credit bureaus. There was never an attempted phone call to alert me to the changed amount nor a grace period for an obvious extenuating circumstance for an otherwise timely and reliable customer. I would like this issue handled promptly and proper notifications sent to the credit bureaus outlining the situation to reverse the impact on my credit report. It is highly aggressive to treat a customer in this manner after paying payments ON TIME EVERY MONTH. The accrued balance was paid IMMEDIATELY upon discovery. There was NO telephonic communication with me during XX/XX/XXXX to inform me of the increased amount so I continued paying the historic balance. 

Please do not hesitate to contact me directly at XXXX. 

Thank you, XXXX XXXX
The issue I am having with Navient, is that on several occasions they have continually not processed information correctly, most recently my forbearance that was to be from XXXX XXXX through XXXX XXXX. I have called them several times to get the forbearance processed correctly and keep getting the run around. Currently it says I am past due with them, but I should not have a payment due until XX/XX/XXXX. I contacted them XXXX/XXXX/XXXX and was granted the 3 month forbearance. Subsequent contact was by email XXXX/XXXX/XXXX with no response, and phone calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Every time I spoke to a representative they blamed the previous for not doing their job correctly and swear they fixed it with end result still being that the account is not accurate.
AMCA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
In XXXX I purchased a Truck that was financed through XXXX XXXX. The truck stopped working and they picked the truck up. XXXX then put the repo on my credit and sold the truck for the remaining loan balance. XXXX advised me that the loan balance was XXXX but would remain a repo on my credit and I understood. In XXXX of XXXX I started receiving letter from attorneys stated I needed to contact them bc a Civil action had been filed against me from XXXX XXXX XXXX. in reference to this same XXXX loan. This loan has had a XXXX balance since they sold they truck and recouped my loan amount. I also was never served or given any paperwork or documents in reference to this civil action.
Deposited two checks and some cash at the same time through their ATM. I selected " receipt without check images ''. The machine froze for about 10 seconds, then said " transaction canceled '' but it did n't return anything to me. I immediately made a claim and they credited me roughly the amount I deposited XXXX {$1600.00} instead of {$1600.00} ). Now a month later, they 're saying they found one of the checks, but not the other and none of the cash. So.. if it was deposited all in a stack, but they ca n't physically find the cash, I believe someone pocketed it. They say they checked it twice and I 'm not entitled to money I did n't deposit ; Essentially telling me I 'm lying. I 'm having the paycheck reprinted, but someone walked out of there with my cash.
Regarding my XXXX Chase Credit Card, Earlier this year I transferred a balance from one credit  card to the XXXX Chase Credit Card at 0 % interest for 12 Months. A few months later I had to make some purchases on the credit card at the normal interest of 23.99 % APR. 

Over the next few months I started to notice the payments I was making, may have been applied partially to the balance with interest and the amount that had 0 % interest from the balance transfer. 

Before overreacting, I called Chase XXXX to determine if my payments were being applied to the balance with interest and not the balance without interest as indicated in the agreement. The customer service representative assured me that all payments made to my balance are first applied to the portion accruing interest first, then if that is paid off the remainder will start to be applied to the portion that has 0 % interest. 

To ensure this was happening here are my last two statements ; the most recent statement shows a XXXX payment made to my account in XXXX. 
On XX/XX/XXXX Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$5700.00} {$110.00} Cash Advances 26.74 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer 23.99 % ( v ) ( d ) - -XXXX- -XXXX- Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2800.00} XXXXXXXX XXXX  Statement shows the following payment structure : Previous Balance {$8500.00} Payment, Credits - {$3200.00} Purchases + {$41.00} Cash Advances {$0.00} Balance Transfers {$0.00} Fees Charged {$0.00} Interest Charged + {$84.00} Total Remaining- {$5400.00} In the following pages on the statement, this is the breakdown of my charges. 
Balance Interest Charges Purchases 23.99 % ( v ) ( d ) - {$4100.00} {$84.00} Cash Advances 26.74 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer 23.99 % ( v ) ( d ) - - XXXX - - XXXX - Balance Transfer Promotion 0.00 % ( d ) XX/XX/XXXX {$2500.00} - XXXX - So if all payments made to my account are first applied to balance 's with interest, shouldn't my total balance with interest be shown as {$2500.00} instead of the higher priced {$4100.00} as shown above?
I have been having issues trying to resolve delinquent status with XXXX XXXX student loans. I have 3 student loans with XXXX XXXX and was always attending classes. While attending school, you are not forced to pay your student loans. On XX/XX/XXXXand XX/XX/2014, I was attending school like normal, but I took 1 class less than normal because I was in the process of moving. It was never stated to me, that if you take less than 4 classes you are considered " part-time '' and are forced to pay your student loans. I then moved to a new location and I never received any notifications that I was considered " part-time '' and had to pay my monthly dues for my student loans. I was still always enrolled in school and I did not have any due balance because while enrolled in school, you are considered to be a student and not pay XXXX XXXX student loans. On XX/XX/XXXX I noticed that XXXX XXXX was charging me for the months of XX/XX/XXXX and XX/XX/XXXX and since enrolled in school, I thought I did not have to pay, thus XXXX XXXX reported delinquent for 2 months for each of my student loans, which is 3 loans. So I received a total delinquent of 6 for the year! XXXX XXXX should of notified me, whether it was mail, or email regarding paying this loan because I took 1 less class then normal, it classified me as a " part-time '' student. There was no mention of this on the terms of the loan. Now because of this delinquent status, no bank allows me to obtain a credit card, or any loan! They should resolve this as this is effecting me as a student and my overall life due to a mistake that was not mine. Thank you.
On XX/XX/19 I mailed a request, of the disclosure of the nature of the information used to turn down my request for a credit card from BBVA Compass. I have yet to receive a written response as of XX/XX/19.
HESAA IS REPORTING LATES ON MY CREDIT BUREAU WHICH THEY HAD PREVIOUSLY REMOVED. I WOULD LIKE ALL/ANY LATE REPORTINGS REMOVED FROM MY CREDIT BUREAUS. IT WAS PUT ON DEFERRMENT AND IS REPORTING LATE EVEN THOUGH THE PAYMENTS WERE MADE
XXXX, North Carolina XX/XX/XXXX Please I need help with my only residence. I disagree with the decision modification denied. Its not fair, because I had an accident at work. Because in XX/XX/XXXX to XX/XX/XXXX, I not can work, I not have any income. My income reduce to {$0.00}. And now is impossible for me pay {$1000.00} mortgage payment per month. I start a new job in XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My health does not allow me to do more physical work. My medical condition, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX and XXXX ( XXXX sent me to the XXXX XXXX Hospital. For XXXX XXXX XXXX, and my health is jeopardized, because I could not solve my economic situation and my dream of having a home will end soon ; for this reason, I am writing this letter, asking for help in mortgage assistant ( Modification ) and lowering my monthly mortgage payments, because my salary is not enough to cover my house mortgage. I applied for NC XXXX XXXX XXXX XXXX I was denied too. I have Court on Monday XX/XX/XXXX. Please help me to review my situation as a humanitarian case. I need your help in this particular Endeavour. Please help me to save my only residence. Thank you so much for you attention and XXXX Bless you.
Rent Recovery are still reporting on my credit that I owe them a balance and trying to collect on this debt. This debt was discharged in my chapter XXXX bankruptcy.
RISE Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Hello, Im trying to link XXXX to my XXXX XXXX credit card, but XXXX is blocking me from enabling external applications, could you please look in to this issue and help me fix or solve it? 

Thank You, XXXX XXXX XXXX
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my Transunion credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ),  I have the right to request validation of the debt owed.
I contacted the credit reporting agency and advised them that the amount sent to them by XXXX XXXX XXXX is not an amount owed. In fact, there is no amount owed to them and this entire report was filed in an attempt to damage my credit and that of my daughters because this is listed on her credit report as well and when we contacted Equifax to dispute said items, we were told that it would not be removed. According to Federal Trade Commission Rules 15 U.S.C. 1681s ( a ) ( 1 ) accuracy, 603.2 ( e ) intergrity and ( 1 ) Substantiated. In fact, XXXX XXXX XXXX has to show how the debt is owed and they can not and Equifax should have removed this from our credit report.This is a landlord tenant dispute where we exercised our rights under state law and the landlord sued in retaliation. There is a counter claim pending and there has been no final judgment awarded to the landlord. Thus, the entire amount listed is fraudulent. We ask once again for it to be removed from my credit file and that of my daughters. We can mail any supporting documents showing XXXX XXXX XXXX has no legal right to place said amount on our credit file. We ask for it to be removed at once. Thank you
AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to me.
I received many calls from Financial Credit Network. 

I spoke to someone there on XXXX XXXX, 2016, she wanted me to disclose my SSN and I would not, she went on to tell me I owed over {$700.00} and if I wanted to pay via my XXXX that day. I advised that I dispute the validity of the debt and to not contact me again. I have yet to receive the FDCPA notice from them. 

I advised them of my dispute, and this dispute has n't been updated to the credit bureaus, violating the FCRA.
Bank of America representatives insisted that our family use the Cash Reward Card ( rather than the Travel Rewards Card ) because it offered the consumer the best rewards points value. That repeated recommendation from Bank of America management was wrong and over the past 5-7 years cost our family approximately {$1500.00} in cash rewards.

Approximately 10 years ago my wife and I deposited money with Bank of America for the first time. We were planning to travel to visit our daughter doing a semester abroard and were encouraged to transfer all our credit card activity to Bank of Americas Travel Reward Card. Over the past 10 years we estimate that we have had transactions on BoA credit cards ( Travel and Cash Rewards ) totaling approximating {$500000.00}.

Several years later another BoA associate ( whose name I have in file ) made the specific recommendation for us to switch our activity to the ( then new

) Cash Card since our travel had ceased and it was supposedly a better deal. The logic had to do with us being preferred members and therefore able to take advantage of the tiered pricing benefits the Cash Card had to offer. We stayed true to that recommendation ( for approximately 5 years ) until approximately 4 months ago when we happened to meet with yet another informed BoA customer representative who admitted her colleagues gave us bad advice. Even on this day, when one representative told us her colleague had given us bad advice, another colleague in the next cu bicle ( again ) wrongly suggested that the Cash Card was still the best place for our family despite my growing concern that we may
be leaving reward points unrealized. It was as if the line was pre-programmed.

When we finally had our spending habits reviewed it became clear that the Travel Reward Card had been the better deal all along ( e.g. past 5-7 years ). With the facts and data this young lady provided, along with the suggestion that we should put our complaint in writing, we estimated that our lost opportunity not transacting with the Travel Reward Card cost the XXXX family in excess of {$1500.00}.

I have since reviewed the brochures that are given to consumers for compliance reasons. They are extremely confusing and for the lay person I find it very difficult to run comparative analysis on which credit card is best for my family. If this misleading information has been given us could it also be happening with others?
I went though a divorce several years ago, my husband Quit claim deeded the martial residence to me. I 've forwarded financials and request for modification to the mortgage servicer serval times. My credit has been pulled numerous time as well, I still reside in the property. Select Port Folio has assigned my file to several relationship managers, no one with the mortgage company has completed the request for mortgage modification. I feel I 'm being given the run around. I was also recently informed I needed to attend a Hud homebuyer class. I 've owned several homes and I feel I 'm being harassed and decimated against. I want the mortgage company to please complete the modification request There is a pending property foreclosure sale date set for XX/XX/2017. 
Please HELP.
Wakefield & Associates has contacted me about a debt that does not belong to me and at this point they have reported it to the credit bureaus which have negativly affected me. I have tried to contact them on a couple occasions. I have no knowledge of the debt that they claim I owe.
I have had a checking account at XXXX XXXX XXXX XXXX many years ago that had some fraud activity on it. some one unknown to me had used my debit card and charged transaction on it on the gambling site which made my account over drawn. I had reported that to the XXXX XXXX XXXX XXXX fraud department and disputed the charges and i got my account credited and soon i closed the account and opened another checking account with another bank. and apparently they had reversed the charges and sent me to a collection agency by the name of THE BEST SERVICE COMPANY. I had contacted this collection agency and explained to the agent that the money trying to collect from me is due to identity theft and I asked them for the debt validation which I have not received any response back from them as of yet. they have cost me a great deal of high interest rate and in my last job I could not get promoted because of this company and that is why I am here with your help get this problem resolved.
Pentagon Federal Credit Union was paid an amount that was agreed upon in a legal contract. This contract has confidentially agreement that states that I can not state what they reduced the amount due but it did state that I would pay a sum of money to pay the account and Pentagon Federal Credit Union would accept that as payment in full without further harming my credit or coming after me. I addition they canceled the credit cards which was agreed as part of the contract. 
The sum of money was paid as per the contract early and in full. The creditor has not sent me a letter to show that the account was paid which is a item that they should have provided me as I can still go to the banks and show the amount paid but not from Pentagon Federal Credit Union that states the same. 
The actions Pentagon Federal Credit Union has done is as follows : -Stated that the account is in collections ( Not true it was paid in full ) -The account was written off ( Well that is not true as I paid the amount agreed to settle the bill ) I believe that Pentagon Federal Credit Union is not following the Fair Credit Reporting Act and is penalizing me even though I paid them the amount in good faith. They have been contacted several times and they have advised me that the accounts are closed and paid in full. This is very much different than what the Credit Bureau has in my report. I'm asking for help as they have said that it would be corrected no later then 60 to 90 days. It now has been over 6 months! The manager who wrote the letter was  contacted and he was rude and treated me very poorly. My cause of the hardship was a tragic accident that impacted my head. ( XXXX XXXX XXXX ) I'm not aware of how a credit report can mark something incorrectly and get away with it without violation of the fair credit reporting act. If they state I didn't pay then I suggest that they refund the money as their reporting is stating the same level of lack of payment and is harming me more. 
Pentagon Federal Credit Union has a duty to follow the regulations of the Credit Union and of the rules established for financial institutions. In this case they have opted to not follow them as they know of my medical condition and lack of ability to ask for help. In this case I was assisted by my family member to help address this matter.
The debt collector contacted Me via Cell Phone XXXX XXXX. At this time she told me I had a Debt of $ XXXX and needed to resolve this before she sent me to jail for writing a false check. Understanding that I do owe the debt, we worked out a payment arrangement. After a 30 minute discussion about my bills and what I could afford, she came up with a schedule, and amount of payments to be made ( Monthly Payments, XXXX at {$60.00} Each and XXXX for {$25.00} Each totaling {$220.00} payments for 6 months ) and she would eliminate the debt completely. After satisfying all payments, The last of which was in XXXX, I assumed the debt was settled. She then started calling me XX/XX/XXXX saying we need to set up a payment agreement to finish of the rest of the loan amount, and that we had never agreed to what i had already paid. After multiple harrassing phone calls in the very early morning and late evening, I called and left a voicemail. I told her specifically that i could not afford to continue paying anymore and that I could afford to pay off whatever we could agree on in XXXX When i get a little extra pay. XXXX XXXX She called my wife 5 times asking for me. After my wife answered she explained to the lady that this is unacceptable behavior and asked what this was about. The lady rudely said that her supervisor took the account from her a week ago, that he had taken it to their attorney 's office, Issued a warrant for my arrest, and i was to be served with papers the following business day. I Immediately received a frantic call at work from my wife telling me what was happening, and called her back. This time her story changed. They had n't Issued a warrant yet, and she could stop the process if i set up a payment agreement. So i set up a payment agreement, and intent to fulfill it. She asked me the payment dates, and i gave her specific instructions to deduct our agreed XXXX {$100.00} payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After our conversation she said she would send me an email containing the payments, and that if i did not complete it asap, the warrant would still be issued and i would be arrested. The form she sent me has different dates on it Payment # 1 XXXX/XXXX/XXXX for {$100.00} & Payment # 2 XXXX/XXXX/XXXX {$100.00}. This is not our agreement and i can not afford to be jailed for a {$600.00} check i never wrote! Any help would be appreciated.
Equifax breach allowed my sensitive information to be collected. They then offer credit monitoring services which will most likely expire within a year, unless I pay them for this service. Why should this be if my highly sensitive data is out there forever. We are forced to rely on them for credit reporting and give up our information when they themselves can not even keep it secure.