WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint regards predatory lending practices by Navy Federal Credit Union ( NFCU ) and has come to my attention by way of my XXXX sons who attend the XXXX XXXX XXXX in XXXX XXXX, NY. This issue is not isolated to this Academy and is likely the same at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. Most XXXX are encouraged to become NFCU members during indoctrination as the credit union is the only bank with a branch on campus. As part of their curriculum, XXXX must XXXX a minimum of one year on a XXXX XXXX XXXX XXXX and are required to establish accounts at NFCU to have their their earnings directly deposited. Please see the attached Navy Federal Credit Union " Merchant Marine Academy Career Kick-Off Loan Program '' application. This particular loan program is offered to any student in their XXXX or XXXX year ( XXXX or XXXX XXXX ). The only disqualifying criteria seems to be having another similar loan in existence. Due to the rigorous demand of the Academies most student do not have outside jobs. NFCU is offering loans up to {$32000.00} to individuals without income and the ability to repay and with minimal or no credit history or experience with debt. Should a XXXX accept the loan and then fail to graduate ( as many do ), separate from the military or fail to maintain a checking account at NFCU with Direct Deposit the loan reverts from the 1.25 % teaser " to the prevailing signature loan rate. '' This rate is not disclosed on the application. I asked my sons if they or any of their friends at he Academy knew what that rate might be. No one knew. I searched NFCU 's website for this rate. It is not published. I called the number on the application, XXXX XXXX XXXX XXXX and asked myself. At first, I was given a range of APR rates for the wrong term loan. Upon further clarification, I was finally given the prevailing signature loan rate for terms over 36 months at 13.95 % -18 %, based on credit score. I asked what a likely credit score would be for a XXXX year old with no job and no prior history and we agreed that it probably would not be qualifying for the lower end of the rate scale. I am sure many of these XXXX take these loans out having no idea their rate could increase 12 fold, payments increase by hundreds of dollars every month and end up paying almost 10 times more in interest! The Credit Union knows these XXXX have no Federal student loans as they attend tuition-free US Academies and therefore these represent lower risk and their loans would likely be in the first position for repayment. NFCU knows these XXXX have no jobs nor ability to repay, yet offer a ridiculously generous unsecured " signature '' loans. They do not disclose the terms should the loan " revert '' and make it difficult for someone like me with plenty of experience with loans and credit to even find out. This program hooks these men and women on debt and locks them in as members from an early age. If that is n't predatory, I do n't know what is.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : XXXX XXXX XXXX XXXX Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking XXXX, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to XXXX. I spoke with XXXX sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
This letter is to inform you that Merchants and Medical has failed to properly respond to my request for proper and full debt validation, not verification as sent certfied mail. As a consumer, i have rights under the FCRA. Not only was the alleged debt not validated and no burden of proof was provided proving that the alleged charges belong to me, the request was also not meant in full. Only certain accounts listed on the request were answered as others were ignored. I also have recieved with the notice returned, nothing to indicate any further notice to be received in regards to addressing the other accounts listed. I understand that the account exist, however i am disputing that i am responsible for it as signatures or original documentation have not been provided nor have any other forms of proof. It is my request that all of the accounts upon which i requested validation, be removed from all 3 credit reporting bureaus as they are falsely reporting and having adverse affects on my credit. If action to do so has not been taken within 30 days. I will seek legal counsel to file suit.
had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. I have disputed this issues with all 3 credit bureaus ( XXXX, XXXX    and Trans Union ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX  list the amount owed as {$4200.00} ... XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. See the enclosed attachments ....
The tactics used by wells Fargo bank by placing holds on checks that freezes me from using my debit card and has mine account in over draft status. I have been with them for XXXX years and these are not standard banking policies. Thank you.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, GA XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
I signed up for the Equifax credit monitoring enrollment on Friday XXXX XXXX 2017. They said that I would be getting an email confirmation shortly to finalize the enrollment in the monitoring service and I have yet to receive anything after a full week. I called and they said that there was nothing they could do to help. The lady on the phone line had no access to any information and just kept telling me to check my " spam folder '' This is unacceptable. They have allowed my information to be completely compromised and now I am stuck possibly having to spend my own hard earned money to fix their mistakes.
Back in XXXX I received a letter from Green Tree stating the amount that XXXX XXXX XXXX ( XXXX ) stated I owed. Sometime around XXXX of 2014 I continued going back and forth with XXXX regarding XXXX of my XXXX loan payments that had never appeared to be credited to my account. XXXX continue to acknowledge and send me multitutude of apologies and promises to take care of the situation. In the mist of being behind XXXX sent me XXXX applications to apply for another modification. After being hounded, I applied and received only a letter stating they rec 'd my information and would contact me. All of this was still " under investigation '' and " being worked on '' by XXXX when they sent my loan over to Green Tree. XXXX continuously sent me letters with the same content over and over promising they were tending to my issue. I have included XXXX but have plenty more of the same. I sent the last XXXX which was in XXXX, about XXXX weeks before they told me they were selling my loan. I supplied these letters and a few others to Green Tree. 

Then Green Tree, even after being told that this was going on, sent the letters XXXX sent me, and I also exercised the FDCPA requesting correction to the amount owed sent in the original notice, they completely ignored the information and sent me Default Notices. They even sent me a notice stating that I was behind my XXXX payment in XXXX? I received a notice to apply for modification, even though XXXX has my application and documents, nothing has been done about the misapplied payment, and in XXXX I made a payment to XXXX prior to my account going to Green Tree that I 've been told is " awaiting processing '' but continuously receiving letters stating they do n't have it and send documentation that they are holding the payment ( which I did -record straight from XXXX ). I continue to send my payments and request communication via email or written documentation ( XXXX ). They tell me they are a debt collector, but completely ignore my side of being able to exercise my FDCPA rights? today I received a letter dated XXXX XXXX, 2015 basically telling me they are preparing to take my home and that they have n't received a response from me ( they have gotten many and I have tracking and fax confirmations ). 
I show that I owe for XXXX, XXXX 's payment was sent in. They are telling me I owe for XXXX, XXXX, and XX/XX/XXXX- ( they have n't received the XXXX payment since it was just mailed, so I assume it would be XXXX ( which they have ) and XXXX which is a payment that carries on in dispute-not XXXX, but the payment XXXX was supposed to credit my account with. 

This has been absolutely horrible. Not to mention their calls and XXXX which an extremely rude person told me that it did n't matter XXXX I tried to explain talking loudly only confuses me. They were still yelling when I hung up the phone. 

I just do n't think it 's fair how XXXX can just ignore their promises and what should have been communicated and Green Tree ignore dealing with it and telling me I 'm not responding. 

Thank you for any assistance, I am incredibly stressed over this and feel bad that they think XXXX I 'm dumb.
I had a XXXX balance on my paypal credit account I made many charges which included XXXX promotional balances expiring 6 months away and XXXX standard apr charges of approximately XXXX for both non promotional standard apr purchases. I sent an XXXX dollar payment to pay the standard apr purchases of approximately XXXX and XXXX to go to promotional purchases. I had no minimum payment due from the previous month and thought that would b the case. Instead when I called they said I paid back the money too soon and applied the entire XXXX payment to my promotional balance and none to standard apr purchase because they said I had n't been billed yet. Although the charges already posted to my account from a few days earlier and was part of my balance they were no longer in pending status. They said because it was not part of my statement that has yet to come out the, entire payment went to the promotional balance. Also about three months prior I had promotional balances and XXXX charge of XXXX dollars no balance was expiring within2 months on both cases but when I disputed and won the dispute of the only standard apr charge of XXXX when they credited me back instead of crediting it back to my standard apr purchase they credited me back to my promotional balances. I was supposed to have no payments and deferred interest for 6 months but instead they billed me in this case. My problem is I thought when I pay more than the minimum it was supposed to go to the higher or standard apr and the minimum would go to the lower apr, but they are doing differently and their supervisor told me they are doing nothing wrong because I paid too early and have not been sent a statement for the charges of the standard apr I was paying when I sent XXXX more than the minimum payment from the previous month of a XXXX balance. I only sent the payment about 2 weeks after making the standard apr purchase and it posting to my balance.
I just reached out to XXXX regarding two issues and i could tell the representative didnt have the answers to my questions. First off, I wanted to know why my payment amount for his month says {$350.00} something and that the amount being auto-debited is quoted for {$380.00}!? I was told my IBR expired last year and thats why, which I was aware but why am I still being quoted for {$350.00} n paying {$380.00}?! Second I asked how many payments Ive made and according to the records, Ive made 38 payments but have been in active repayment since 2013. I asked how that is possible since Ive been making payments for years now?! Her answer was honestly, thats just what we have to go off of. So Ive been making payments for years now and the records show that Ive made less than 2 years worth of payments. Thats just flat out wrong!
I was making a PayPal transaction, and I noticed an ad for a {$10.00} dollar discount on my purchase if I signed up for PayPal Credit. I started filling out the form, but I saw that the credit would n't be applied until after my credit report was approved, so I cancelled the process. Later I made another PayPal transaction, and it was charged to my new PayPal Credit account without my knowledge. I paid the balance and explicitly changed the default payment method to my bank account, but my next purchase was charged to the credit account without my knowledge. They now tell me I owe over {$90.00} in interest and late fees and interest on a small purchase. I have contacted their customer service department several times, but they have given me nonsensical responses. They continue to call me multiple times a day. I have closed me PayPal Credit account and my regular PayPal account. I 've read that you have fined them last years for just these practices, but they continue. Please help me.
I was sent a letter saying that I owe XXXX. I attempt to contact this firm to settle the debt, and they have no record of my account. I attempt to pay online and my account is linked to another person 's information saying I owe over $ 2k to a utility company I have never heard of.
There was a hard hit on my credit and the institution making the inquiry is not identified. I called the number provided in the inquiry details and was told XXXX only provides the software they do not do the inquires. Called TransUnion the service reporting the inquiry and can not understand who was speaking and they could notunderstand me. 

Whoever, makes an inquiry on my credit should not be incognito or without my knowing before hand.
Nationstar has sent statements dated with variances that range between XXXX weeks so customers do not receive them in a timely manner and sometimes very close to the actual due date. Multiple times when I have called I have simply been hung-up on, this is almost half of the time I call. It happened XXXX today alone when I called to inquire about my escrow check since I refinanced - in part because this mortgage company is the worst.
Bank of America has illegally placed an inquiry on my credit report on XX/XX/2016. When I called they can not locate my information on why this inquiry was placed. The inquiry still has not been removed. Please remove from my XXXX credit report. Thank you
Hi I 'm XXXX XXXX. This was back a couple months ago in XX/XX/XXXX-XX/XX/XXXX. I was missing my XXXX XXXX  Card one day, I could of drop it outside or lost it. I found things charged on my card that was n't even mine. So I called XXXX XXXX  they told me I 'm sorry that someone bought or stole from you using your card. They offered a kind gester to waive all the fee 's so the women from XXXX XXXX told me well you have {$0.00} balance now, after desputing the charges. Also she was suppose to send me a letter so I can send back never got that. She also opened me up a new account. So after all this I was like, okay XXXX told me I do n't owe nothing and all the charges were disputed. I told her thank you for all the help and you have a wonderful day. So Wells Fargo Fraud or Debt Collections tried contacting me like 5 months later, and I got interest from them also. But they said oh your charges got denied. I was like why. He said because of transaction history and I knew that was n't why because I never used the card. So the person who stole my card used around {$300.00} dollars which XXXX said they waived it all and said I have a {$0.00} balance but not its like {$500.00} or more now coming from Wells Fargo. Then Wells Fargo was like we have no file on record saying it was waived or they said anything about that. So basically I 'm in a fraud debt, I do n't even owe. He also told me oh you can not right a letter for fraud either the Manager of Wells Fargo Fraud Team.
the company m & M funding has been harassing from the time i bought my first vehicle in 2011 from them the would call me when the declaration page on my insurance would expire instead of calling the insurance company they also lied to me had me pay for gap on my vehicle than when my son wrecked my vehicle they told me they were not doing gap because of the payment process of gap they call me when im at work all the time im about ready to be fired i can not answer my phone at work there former manager told me XXXX time that he did n't think i had insurance because he was having a hard time getting the declaration page from the insurance company he basically said i was lying he told me his daughter worked for the same insurance company i had and i and i lying about how long it was going to take for me to get the paperwork i talked to XXXX at the company on XXXX/XXXX/2015 at XXXX our time and than he called me again today for the same thing i already talked to him about i would like to own both of my vehicles from this company there is other things they have called continuously about but i ca n't remember than all right now. they are also very rude with there clients they are always got new employees so you never know who your talking to from XXXX month to the next so everyone at the company knows your business its not just XXXX person working on the file.
I closed a credit card account with Barclays in XX/XX/XXXX and paid off all amounts owed. In XX/XX/XXXX, I received a bill for a new charge on the closed account. I have called to dispute it multiple times. They keep pushing me to their fraud department and there has been no resolution in spite of my monthly calls. To make it worse, they are trying to collect late charges and interest from me ( which keep growing ), on a closed account, for a charge that I did n't initiate. I have spent hours on the phone with them.
On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse.
In XXXX of this year, Ocwen agreed to pay XXXX XXXX and provide {$190.00} XXXX in debt forgiveness in settlement with the State of California for amongst other things, Failure to submit correct information to credit reporting agencies on borrowers, jeopardized borrower 's ability to obtain loan modifications, provided inaccurate information on notices of default, Robosigning affidavits in foreclosure proceedings, Please notice that my monthly Ocwen statement of XXXX/XXXX/XXXX stated that my reinstatement amount for that date was {$280000.00} However on my credit report, the amount past due was entered as record for the amount of {$300000.00}? 
Can you or your client XXXX Bank, or it 's servicer Ocwen LLC please explain the difference or reason for the markup? ( see attachment ) Secondly, on the delinquency notice dated XXXX/XXXX/XXXX, My mortgage reportedly first became delinquent on XXXX/XXXX/XXXX, however, if we examine the initial default letter from Litton, I was deemed in default of my loan as the borrower on XXXX/XXXX/XXXX. ( and we should be mindful that on the credit report Ocwen, not Litton assumes ownership of this loan since it was initiated on XXXX/XXXX/XXXX ) ( see attachments - credit report and delinquency notice ) Also, Ocwen robosigned my affidavit, with the incorrect birthdate of course, while refusing or ignoring to acknoweledge recipt of the affidavit that I sent you and Ocwen dated XXXX XXXX XXXX. I sent the affidavit directly to Ocwen four times. ( see attachment )
Company is Chrysler Capital out of XXXX Tx. 
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't. 
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed. 
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.
Our lease expired on XX/XX/2018. We had contacted the office to ask if we could lease on a month to month basis as our home was not ready. We in fact did not need to go month to month and moved out of the apartment before our lease was up. We had signed our notice to vacate 3 months prior. We did not sign a renewal on our lease. We are not responsible for the amount owed.