WillisBack/dataset-financial-user-claim huggingface dataset:
The problem I'm having is now that I'm at the end of the loan.

I'm trying to pay more on the vehicle to get it paid off. But for some strange Reason they keep increasing the interest, My payment is {$450.00} I send {$500.00} I ask to have the extra {$50.00} applied to the principle and for whatever Reason the interest always seems to offset my payment so no extra funds Are available to go to the principle. This has been going on for the last 24 months Of paying for the vehicle. For example if I send in the {$500.00} they take {$300.00} & Apply that to the principle & the interest is {$190.00} The interest seems to be all over The place to keep me from paying off the loan before the 72 months. I have a email From the finance company detailed with all payments. I have approximately {$3400.00} Left on the vehicle & they are stating I have 10 payments left. If you do the math that Would be {$4500.00} not {$3400.00} with extra money being sent. I can send the detailed Billing register of all payments.
This is more of dispute than a complaint, but still is a matter pertaining to the amount paid and the current outstanding balance noted for my student loans. Navient, my current student loan servicer, does not have a dispute submission channel available and I believe this matter is beyond the scope of a normal escalation. I graduated with my XXXX XXXX XXXX in XXXX XXXX and have made all of my payments since graduation prior to the Due Date noted on each statement beginning with my first student loan payment on XXXX/XXXX/XXXX. My student loans have not always been held by the same servicing company. My first payments were made directly to the Department of Education, then the loans were serviced by XXXX XXXX, and most recently the loans have transferred to a different company called Navient. Navient 's customer portal is the first loan servicing company that has allowed me to see the entire transaction history for my account. Prior to this full history display I was only given statements itemizing what was due for the next immediate Due Date and was not provided with any information as to how payments were applied to principal and interest throughout the repayment process. The first payments I made were as follows : XXXX/XXXX/XXXX for {$500.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$350.00}, XXXX/XXXX/XXXX for {$1000.00}, XXXX/XXXX/XXXX for {$200.00}, and XXXX/XXXX/XXXX for {$1000.00}. These initial payments all total {$4600.00}. None of these payments are reflected in the entire history of my account despite all of these payments were made to the Department of Education directly. The lack of inclusion of these payments would then impact subsequent interest accrual as well as the remaining balance still due and loan maturity date/payoff date. I can provide bank statements as well as email confirmations from the respective loan servicing companies to account for the missing payments. I would like my account to be reviewed and corrected to show the proper balance as well as reflect ALL payments made to date. Through today ( XXXX/XXXX/XXXX ) I have paid {$10000.00} and the balance on my current outstanding balance is incorrectly noted on the Navient portal as {$10000.00}. 

In addition to this large payment discrepancy there are XXXX ( XXXX ) transactions that were all noted in the account history between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as " adjustments/fees. '' I was not notified of these fees and as my loan repayment history and credit report would indicate, I have never missed a payment to-date and would also like these fee assessments reviewed. If they were applied in error, I 'd like them removed as well.
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.
I filed chapter XXXX bankruptcy many years ago. 
Chase never showed up at court and never affirmed the debt. 
They are in the process of collecting documents to modify the loan but yet start foreclosure while we are in the process. 
This is just wrong since that would make myself and my Mother, who is suffering from XXXX XXXX.
Continues to try and collect on loan i have paid off ... and now has sent it to a company named PAS who claims i owe it and also has threatened my work and also my landlord. For something i continue to tell them i dont owe and now they tell me the debt continues to grow and im charged for each time i they attemp to contact me!
My ex-wife and her boy friend sold my home under a fraudulent document, I placed a block on my credit many years ago. Each time I apply for credit I am told there is no credit history and I and denied. I am almost XXXX years old. My check was bricked for years, I paid all that the court asked me to. I am still being denied Credit. Can you help me or direct me to someone who can this is criminal it has been going on for decades. Home depot just refused my Credit, XXXX XXXX XXXX and XXXX XXXX.
I applied for a home equity line   of credit ( HELOC ) with Wells Fargo. They currently are the company that holds the mortgage on my home. When asked in person and on-line about the purpose of the HELOC my answer was, home repair, debt consolidation and college tuition. I turned in all required paperwork in a timely fashion and also complied with their request of a copy of a written estimate for the home repair I was considering.
Once all paperwork was submitted, I received a call on   XXXX   XXXX   from the person assigned to my loan application that the application was denied. Her reason was, " you want to use the money for a repair to the foundation of the home '' that was not an acceptable reason for them. She then went into an explanation of how I could max out my credit cards to pay for the foundation work and then apply for a loan from Wells Fargo to " pay myself back '' for the cost of the home repairs. When you read all of the online and published literature from Wells Fargo about their HELOC products, never at anytime do they state that certain home maintenance or repair projects are not   acceptable.
I took out a car loan with Chase Bank on XX/XX/XXXX through XXXX. I paid {$3000.00} cash down. Payments of {$260.00} began XX/XX/XXXX. I have been paying in cash most of the time, but lately, pass few months some times I have been asked to show my ID to pay in cash. When I did n't show my ID on XX/XX/XXXX, the payment was accepted. On XX/XX/XXXX the teller refused to accept my payment without my ID stating '' The process could not be completed without my ID. because I was paying with cash. I ask " why, she replied that Chase requires an ID to be shown to complete a transaction with cash.I stated that I paid the bill last month without showing an ID. She stated '' they must know you there or you have an account there. I replied, NO, I just have a car loan through Chase Bank. She apologized for not being able to accept my payment. I took my money back and contacted FDIC over the internet and filled out a complaint about Chase but it would n't go through. I then contacted FDIC through their XXXX number to be told '' Chase is no longer affiliated with FDIC and was referred to CFPB.
I just want to pay my bill the way I want to pay it without any hassles as I have done in the past. I looked at my receipt from Chase and it states that '' JP Morgan Chase Bank, N.A. Member FDIC, Equal Housing Lender. Please explain what the person meant by Chase not being affiliated with FDIC.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate reporting ) and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX
Ditech is claiming that I have a escrow shortage and need to pay {$160.00} more per month than the anticipated disbursements THEY calculated for the year. Where is this extra money going? Will I get a refund at the end of the year? Will my payments go down months later? How much of these additional funds of mine do they have now? Additionally, my payment is due on the first of the month, and they call daily, morning, afternoon, and night, in the same month before it is even 30 days past due. I believe they are breaking laws re their handling of escrow funds and collection practices.
I started an income-driven repayment plan in 2016 with various lenders. Instead of reporting that I am currently on an income driven repayment plan and have smaller payments, Navient continues to report that my monthly payments are over {$600.00} which is negatively affecting my credit report. My other lenders ( like XXXX ) clearly state that my payments are lower as a result of my IDR. My husband and I are trying to purchase a small home so we can build equity and eventually have a savings, but we continuously run into issues because my credit report shows that I have a $ 600 monthly payment, on my student loan, when I do not. I have called Navient on numerous occasions and they refuse to correct this issue. They state that is the method they use to report and that I should know what my monthly amount is. However, they have no contingency plan for how it is affecting my credit report. I frequently get paranoid about payments because I want my credit history to remain clear. Navient website also shows that I have a {$600.00} payment due, so I often pay something to avoid penalties. I call every so often to verify the amount of my payment because my other lenders have the information very clear and concise on their website. It is very confusing and I feel like Navient is purposefully misleading borrowers so they pay more than they have to.
I have a high risk, subprime high adjustable interest rate 1 family mortgage that keeps rising in interest rate. When the market crash in XX/XX/XXXX, I had lost my job and could not keep up with paying my rising mortgage. I got sick and was placed on social security XXXX starting XX/XX/XXXX. I always tried to resolve with the many changing, swapping banks who is currently XXXX XXXX. I bought my house from XXXX XXXX in XX/XX/XXXX. I am currently negotiating the loan modification with lender, MR COOPER. I never did business with Mr Cooper who is currently charging me above 7.5 % interest rate. Is this legal? This is all just like the XXXX movie, XXXX XXXX XXXX. 
In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX ( represented by XXXX, XXXX XXXX XXXX XXXX ) was successful in getting a notice of motion for Judgement of Foreclosure and Sale after many attempts. They also add a name XXXX XXXX to my lawsuit as if she is partial owner to my property when she has no ownership and I never know or met any such person. I am now getting calls everyday almost from investors to buy my so-called 2 family house ( I don't own a 2Family-I own a 1 Family ), This is important because of the misleading equity. Mr Cooper will not give me a fair interest rate for a loan modification. These banks are all about greed and I think they already made their money on this property yet they want to take it away from me so they can sell it to someone new and start the bidding all over.
On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. Experian, XXXX  and XXXX  has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent Experian, XXXX and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.
I received a phone call from a relative stating I had an threatening phone call from XXXX XXXX. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in XXXX days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since XXXX. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.
I applied for a Guitar Center Credit Card XXXX XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and Syncrony, XXXX XXXX / Syncrony Financial processed the credit application. 

I was denied credit based upon " Address of record did not match .... '' Yet I was denied because I wrote home address `` Drive '' on the Guitar Center credit application and not dr or DR . 
Syncrony, XXXX XXXX  /Syncrony financial ( processed & delivered ) to guitar center XXXX XXXX , California a ( defective / flawed ) credit report. 
-Map of my home address attached - My credit scores are attached. 
I spoke with XXXX, a customer service agent with XXXX. 
on Thursday XX/XX/2018 between XXXX and XXXX XXXX time to inquiry specifically about acceptable vs. non-acceptable ABBREVIATION ( s ) on FICO applications and documents, that might or could affect or have a impact on a credit report. 
" It is outside of FICO scoring ", DENIAL OF CREDIT FOR USE OF AN ABBREVIATION, AS PART OF MY HOME ADDRESS IS OUTSIDE OF THE " score ' AND FICO SCORING. " formula " It is my position Syncrony, XXXX XXXX /Syncrony financial did not deliver a Factual " FICO CREDIT REPORT and any and all documentation sent to Guitar Center are defective & flawed, and not a accurate or true reflection OR representation of my current Credit or Factual Credit History, on file with : XXXX , XXXX and XXXX References, U.S . Department of Commerce California Chamber of Commerce, Utah Department of Commerce and other State & federal, CALIFORNIA & UTAH, regulatory agencies. ( drive ; dr dr. acceptable substitutions for `` Drive " ) United States Postal Service It seems like the logic of Syncrony is you can NOT use the root form of the word ONLY THE substituted?

Syncrony is thus, in my opinion operating, delivering a product " predictive analytics, or opinion outside of accepted FICO Fair Isaac Corporation, protocols.

- attachment MAP of my home address -attachments XXXX XXXX 2018 snapshots. 

Under penalty of perjury the above statements are true and accurate. 
signed :
I received 14 calls in one week. The call at XXXX XXXX on Saturday was the last straw. They also called while I was in another state attending a funeral. I do NOT have an account with them. I requested them to stop calling me four times and they continued to call. Finally I was told they were calling for XXXX XXXX. I do not know this person. Again I asked them to stop calling and they continued so I called them after ten minutes I got a Supervisor XXXX from Symphony Bank XXXX XXXX XXXX XXXX Ohio. That was all the information they gave me. They kept asking for my Social Security Number I refused to give it to them. They called from XXXX then instructed to call XXXX. They deserve some National Do Not call training and a hefty fine. I would appreciate your. I have been on the Do not call registry for years and checked to make sure I was still on there.
I have been on the Public Service Loan Forgiveness ( PSLF ) plan for over 3 years now and recently enrolled in school. Due to my enrollment automatically triggering deferment status, I called in to request a deferment waiver so that I can continue to make qualifying PSLF payments since I do not intend to defer my payments. I have requested this waiver FOUR times and have three employee ID numbers of customer service agents to whom I have spoken. On my fourth call, I was told I should make a payment anyway, and then I would need to re-certify my PSLF even though I did that inXX/XX/XXXX ( it is now XX/XX/XXXX ).
In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Perfection Collection had reported negative information on my credit reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent XXXX ( as reporting on XXXX ) and Perfection Collection ( as reporting on XXXX ) a dispute letter that was sent certified with a return receipt. To date, XXXX ( see attached ) stated that the account was purchased by Perfection Collection in XX/XX/XXXX. Perfection made no effort to communicate with me informing me that they were attempting to collect an alleged debt. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Perfection responded to my dispute ( this is the first time I received any correspondence from this collection agency ) by offering a settlement ; yet, they did not provide any documentation to substantiate the amount they are arbitrarily reporting. Too, the correspondence I received from them lacked veracity. It is merely reflected on their letterhead with no other documents. It is obvious that Perfection has nothing to validate what they are negligently reporting on my credit reports. 

These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not provide any documentation to support/substantiate what they were reporting as well as NEVER sending a dunning letter and allowing me 30 days to respond to dispute the validity of their claim, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
I have a loan with CHASE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out.
Midwest Recovery Systems reported a collection to my credit reports that I am unaware of. There was never a prior notice sent.
A recently run credit check ( XX/XX/XXXX ) revealed that there was an open credit card through XXXX XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX  XXXX, as well as XXXX XXXX  today ( XX/XX/XXXX ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks
I received my monthly mortgage invoice for XX/XX/XXXX, which included a note stating that my monthly payment will increase from {$860.00} to {$2200.00} effective XX/XX/XXXX. It also stated a loan maturity date of XXXX XXXX. I have a variable interest loan which is currently set at 2.375 % until XX/XX/XXXX, also noted on the monthly invoice. I called my mortgage provider, OCWEN, to get an amortization schedule so that I could know what portion of my monthly payment is being applied to principal and what portion towards interest. I spoke with XXXX customer service representatives and neither could tell me this information and they both said that my file does n't have an amortization schedule. They explained that I would learn of the principal/interest application when I received my XXXX bill, but that I would not get an amortization schedule. I knew that my loan payment would convert into a principal/interest payment at this time, but the monthly payment is significantly higher than a 30-year loan with an interest rate of 2.375 %. At the very least I would like an explanation, which I am not getting either.
XX/XX/2018 Noticed this debt on my credit report XX/XX/2018 Called XXXX XXXX XXXX at XXXX and talked to " XXXX '' where I gave her my phone number, address and date of birth. She pulled up the debt, stated that it was from XXXX XXXX and informed me that the call was being recorded. Great! Since the amount was under 100.00 I asked that the debt could be settled for a 1/3 of the amount and removed from my credit report and written notification of such be mailed to me. Payment today to be done with the debt. She informed me that she was unable to negotiate. I asked to speak to her supervisor. A " XXXX XXXX '' came on the line. I informed him of my desire to settle the debt, and have it REMOVED from my credit report. I will settle for 1/3rd or 2/3rds of the amount owed and again have WRITTEN notification sent to me about the transaction. XXXX XXXX informed me that they do not send written notification, that I must pay the amount owed immediately or I will be charged more. I asked for a his supervisor, whom he says does not take phone calls. I mention to him that I was familiar with the Fair Debt Practices Law and you can't not MAIL me information about my debt, nor can the company increase my charges because I initiated a phone call. He was unwilling to change his statements. I asked for a transcript of our conversation and again was denied.