WillisBack/dataset-financial-user-claim huggingface dataset:
Hello. I am submitting this complaint in order to help the CFPB identify a systemic problem with student loans. In this regard, the use of penalties by student loan companies are predatory and excessive. I recently had a student loan payment due on XX/XX/XXXX for the amount of {$200.00}. I fully admit I was late on this payment by a duration of approximately two hours. My loan servicor, XXXX, immediately penalized me for being late. I fully acknowledge the responsibility of paying my loans and the fines that may come with a late payment. However, the fine placed another {$200.00} which brought my actual payment to {$410.00}. This penalty, in my view, is completely excessive and obscene. It follows a disheartening trend of student loan companies taking advantage of young graduates and students who simply want to gain an education to better their lives and the world around them. Millenials on average have starting salaries 20 % lower than preceding generations, while saddled with more debt as well. This is a systemic issue. I understand if I get no reprieve from Nelnet over this. However, I would like the CFPB to at least investigate the extreme level of punishment that is levied on post-graduates such as myself, for being even an a couple hours late. There is no logical reasoning, for doubling my payment for paying my debt two hours past the deadline. I do what I can to make sure I can meet my financial  needs each month and this has put a serious strain on my ability to stay financially solvent as I prepare my budget for bills going into XX/XX/XXXX, when I will inevitably have to pay another {$200.00} payment on the XX/XX/XXXX. I hope you can look into this and ultimately resolve the issue of loan servicors preying on post-graduates such as myself.
I had fallen behind in my mortgage payments with Green Tree Servicing ( now Ditech ). Several months ago, I resumed making the payments and even sent one check covering three payments. Green Tree/Ditech cashed all of these checks, but never credited the account. In XX/XX/XXXX, I sent them another check in the amount of {$540.00} ( one month 's payment ), but they returned it, claiming that the amount is insufficient to reinstate my account and that they have begun foreclosure proceedings against me. They claim that I owe more than {$3500.00} to reinstate the account. The amount I owe should be about {$1200.00}. They have also been charging me {$100.00} per month for " repairs '' without explaining this charge.
I mailed all documents requested by the representative by the name of XXXX the early part of XXXX XXXX or around that time. This account was approved by the financial department to be written off due to me being indigent and I 'm quite frankly tired of seeing this on my report!! WHY? ask for documents for proof of the medical facility writing this {$150.00} off if it 's not going to be applied ... ... and dismissed for XXXX sakes.
The collection agency NCC Business Services is claiming they do not provide receipt of payment. I need receipt of payment to ensure that they are applying my paid funds appropriately. Also, I need proof of payment to ensure that once paid off, it will be reflected properly on my credit report.
We sold our condo which had a mortgage on it that SPS took over from  XXXX XXXX XXXX a couple years before. The loan closed the morning of XX/XX/XXXX. SPS was paid off with a wire from XXXX Title and Trust the morning of the XXXX. The loan could not have closed had SPS not received the wire for {$720000.00}. The attached Master Closing Statement clearly shows XX/XX/XXXX as the settlement date as well as the disbursement date. I sent {$2000.00} extra to the closing to cover any extra charges that might show up at closing which is customary. I have also attached my XXXX XXXX  XXXX bank statement which shows XXXX XXXX XXXX refunded me {$1900.00}, the overage, via wire XX/XX/XXXX and that I received immediate credit. SPS is saying the loan was closed XX/XX/XXXX when I have proof that they had their payoff of {$720000.00} the morning of XX/XX/XXXX not XX/XX/XXXX. SPS is attempting to cheat me out of {$110.00}, daily interest x 3 days totaling {$330.00}. I have also attached the SPS payoff statement showing this {$110.00} amount.
Last year I applied for a home loan modification thru wells Fargo. The experience was horrible to say the least. I was never deliquit on mortgage till they told me to stop paying the full amount and start paying the trial plan amount. This put a negative mark in my credit report that everyone sees with out looking into as Serious Deliquit. After you find out what happen it shows loan modification. But based on the credit inquiries that 's the first thing they see when pull credit and it makes me look bad cause I never had to this day serious deliquit till after all that. The process was a nightmare from not getting my phone calls returned because my home preservation person was never there always out of the office. Left XXXX some voices mails being for a call back come to find out she 's been gone for a while. Her mail box was full, no help from them, getting hung up on cause they did n't wan na talk to me. Was reassigned someone else towards the end after begging and asking for help. Just picture having a deadline and then not being able to talk to the person handling your case cause she 's been out of the office for a month. Would like the serious deliquit removed please.
CHASE Credit CardXXXX XXXX, XXXXClosed $ XXXX DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Credit CardAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXX Date XXXX XXXX, XXXX $ XXXX -- Monthly Payment $ XXXXResponsibility Authorized UserBalance $ XXXX Balance $ XXXX Status Collection/Charge-OffWorst Payment Status UnknownDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXX 30/60/90 Days Late 0/0/0Remarks Charged off as bad debtCanceled by credit grantorMy deceased fathers debt. Not mine
LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.
I bought a XXXX from XXXX XXXX of XXXX. I soon learned it was a lemon.I 'm aware of Georgia 's lemon laws, but I can not and will not sit back and let both XXXX and Car Financial Services rob me and countless others. If you take a look on XXXX XXXX page, you will see numerous complaints about the vehicles they sale and the owners criminal history of robbing and lying to customers. Because of the constant repairs, I was unable to keep up with car payments to Car Financial Services and very high and required full coverage insurance. A lot of times I had to choose between car payment, insurance payments or mechanical fees, when car payments were chose, the vehicle sat inoperable. Out if the almost 2 years of financing the vehicle I drove it maybe 18months. During XXXX the car was running, no where near at its best ( no heat, no AC, overheating, front end axle rattling, water pump going out ) but it got me back and forth to work and it started without a problem. I knew the car was in danger of being repossessed and honestly I was over it, I wanted them to come get it, in which they did on XXXX. I just was recently notified of a payment for {$140.00} that posted to my account with Car Financial Services. After speaking to them I learned the car sold for {$600.00}, well below the fair market value of {$2900.00}, which makes this resale commercially unreasonable. I was also informed of mechanical fees that were charged to me totaling {$230.00}, because the car would not start. The car started up without any issues while still in my possession. It had numerous other issues, but it did start. Therefore I should not have been charge a mechanical fee. They are so corrupt I would not be surprised if they " said '' it didnt start to collect more money from me. I honestly hope the new buyer is aware of all the issues this vehicles has. I was told by XXXX at Car Financial Services that the car was running fine until XXXX. More than a month since the car was no longer in my possession. I also had well over {$1000.00} worth of personal property inside of the vehicle that I have no idea where it 's located. From my understanding, I also should have been informed of the auction site, date and time, in which I was not. To me, these are grounds for me to contest a deficiency judgment. I would rather not get lawyers involved but I will. I was cheated with this vehicle. I put over {$4000.00}, not including repairs and to only have {$140.00} applied to a vehicle that they believe was only worth {$600.00} is an insult. I would like this account with them to be removed from my credit, or I will indeed sue for the remaining balance they say I owe on a {$600.00} vehicle.
This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??
I applied for a loan with XXXX for my small business. After I received the loan, I started to get another bill in a different amount that I was already paying back to XXXX on the monthly basis. This new bill was from Paypal, once I spoke to them I was told that I accidentally clicked on a button that prompted Paypal to provide us with the loan and that for that reason I owed them the additional {$300.00}. I contacted XXXX about this and their response was they could not do anything about it and that people get confused when setting up the account. I am in disbelief how XXXX can have Paypal in the settings to obtain payment for a service that is supposed to be only through XXXX. Today I agreed on paying XXXX {$230.00}, because I do not want to ruin my credit. I believe this is a very sneaky way to obtain additional money for a service I did not sign up.
On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so. 
2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.
In XXXX of XXXX, I had an XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, VA. I was a new patient to the office. They were given my accurate personal contact info, as well as my insurance info. 
There was a separate physician involved in the reading and interpretation of the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Her office generated a separate billing for her service ( {$92.00} due after insurance was processed ). I received the billing and Insurance EOB for the actual XXXX in a timely fashion. The Dr who interpreted the images, her office failed to have on record my address info. I NEVER received a billing for her services. After several months of non-payment, they turned the account over to XXXX XXXX XXXX in XXXX, VA. They also had no address info to accompany the collection account, so they never contacted me either. 
In generating a personal credit report in XXXX of XXXX, I discovered the collection account on my credit report. I contacted XXXX, they had to track it down and explained why I never received notification of the collection status from them ( lack of contact address ). 
I called the medical office, who stated they indeed had no contact address for me ( why the initial registration info was not transferred to them, I do not understand ). They stated they would submit an explanation to the credit reporting agencies ( which they did not ). I promptly paid the bill ( {$98.00} on XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. I filed a dispute with details to XXXX in XXXX XXXX. I filed a consumer statement on my account in XXXX XXXX, because it still showed as unpaid. XXXX  continues to show the obligation as unpaid. I have tried to work with them in order to have the status reflect the bill has been paid. They have not corrected the account to reflect this. I did ask for a consumer statement to be recorded on my file, but the account needs to be posted as paid. 
Also, it was not any fault of mine that this account was turned over to collection, yet I am suffering due to the office 's lack of follow through in obtaining my billing address. 
I request assistance in having this account posted as paid back on XXXX/XXXX/XXXX, and what can be done as far as the unfairness of it going to collection in the first place? 

I have attached my bank transactions showing the payment being posted to XXXX on XXXX/XXXX/XXXX. Also the paperwork showing original amount due to XXXX XXXX office.
I am in the process of refinancing a current XXXX XXXX home mortgage with a company called Forthright Funding ( mortgage broker ). They are located in XXXX. I live in XXXX XXXX. I am refinancing to eliminate the PMI. Forthright had the most favorable terms. I sat with a notary signing the papers and the fees had increased by almost {$1600.00}. I contacted Forthright and the told me {$600.00} was extension fees by XXXX ( lender ) This was never disclosed to me. In addition the employee of Forthright did not disclose a {$900.00} fee for underwriting. The employee admitted he failed to include in my estimate. I spoke the the President of Forthright and over several calls he told me he was sorry but they were not going to do anything. He stated he had discussed with his attorneys and they did nothing wrong. 
I want them to stand by their initial fee proposal. The extensions were not because I failed to comply. They also are telling me that XXXX had notified me if the extension fees. They did not.
From X/X/2016 - XX/X/2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I have applied the starwood preferred guest business credit card with XXXX bonus star points after {$10000.00} spending within 3 months after approval. I have met the spending requirement, but never got the bonus points. I have tried to call american express several times, each time the representative said he/she can see the bonus term in my account and it will be posted soon. However, after several months and multiple calls, I still have not seen the bonus points.
I pulled a copy of my credit report and saw that this company was reporting a XXXX debt. I sent them a debt validation letter to see if this account was indeed mine and they replied with a simple letter just stating what the balance on the account was. That does not prove this account is mine. I sent another letter on XXXX XXXX stating to please prove the debt is mine with something that has my signature on it or a contract and they have not yet replied.
I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with TransUnion, XXXX and XXXX   multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.
In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
I sent XXXX XXXX XXXX a request to validate debt. Today I received a letter back, but from XXXX XXXX XXXX sending just a copy of an old XXXX XXXX bill as validation. I also requested the information regarding who owned the debt ( no answer ), to provide a copy of their agreement with the original creditor ( no copy ), all statements for the account while it was open ( none sent ), I feel they did not provide sufficient validation.
I have a public record due to common law. This debt was created without knowledge, but was paid in full to clear my credit.
On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX   messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more  payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.
Experian will not delete an account ( XXXX XXXX ) that is clearly reporting incorrect information. On XX/XX/XXXX I disputed inaccurate data -XXXX XXXX account reporting as charged off when it was in fact discharged in a bankruptcy in XX/XX/XXXX ( public record appears on credit report ). Experian did not remove data. I followed up with a written request and Experian still will not remove data.
While purchasing a pair of shoes for Off Sacks Fifth Avenue site. I decided to use my XXXX account tided to my XXXX XXXX credit card, I was re directed to a deferent page where I was asked to put in my personal information. This page did not indicate that I was applying for a XXXX credit. A month later I received a XXXX bill for the {$250.00} for the purchase. 
I assume it was a mistake and did not call XXXX until the following month when I received the bill again with very high late feeds. 
I complained that I did not open credit with them and I was told that I had gone to the wrong page which was not the case. 
I paid their charge but I was very upset with how customers were misled.