WillisBack/dataset-financial-user-claim huggingface dataset:
It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. 
I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. 
I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. 
Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. 
The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. 
So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. 
How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????
I disputed this dept on my credit report on XXXX XXXX, 2016and on XXXX XXXX, 2016 the company responded to my dispute as verified so I call the company on XXXX XXXX, 2016 at XXXX I asked the representative about the dispute and why is it not being reported on my credit report as a medical bill instead of placed in collection. The representative asked me why was I disputing this account anyway, I advised him that the insurance paid this account. I also asked the representative what was he advised when they contacted the medical center to validate the debt, he responded with they do not have to contact the medical center with whom the original debt was made to validate it. According to 15 U.S. Code 1692g - Validation of debts paragraph ( A ) subsection ( 4 ) the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; The representative advised me " You needed to research the laws a little better before you start quoting laws to him ''.
I graduated from the XXXX of XXXX XXXX in XX/XX/XXXX, in XX/XX/XXXX I started the XXXX XXXX XXXX XXXX XXXX. Throughout this time my student loans were in deferment per the policies ( deferment through the time of maintaining XXXX XXXX student status and for 6 months after ). In XX/XX/XXXX I was a XXXX XXXX XXXX ( XXXX credit hours ) at XXXX XXXX XXXX XXXX. My loans should have still been in deferment per the policy. I found out that my credit report was showing late payments through Great Lakes, although my loans through XXXX XXXX were in deferment. I contacted Great Lakes and they said they would verify with the school ( XXXX XXXX XXXX XXXX ) and place my loans back into deferment. This was never done as it should have been and my credit report is still showing from XX/XX/XXXX through XX/XX/XXXX my loans were not being paid and were past due. 

These loans were not past due, per the policy the loans should have been in deferment.
This is the 2nd complaint I submitted on your website against Navient. There are so many different entities that call me and so easy to lose track or even know who to talk to or trust. I call Navient and get sent to Student Loans then to FSA back to Navient, so frustrating. Today I receive a call from someone claiming to be with FSA-Center by the name of XXXX XXXX @ XXXX. He stated he was with FSA but by the end of the call it did not appear that was true. After he asked me to verify info on my loan such as address and name somehow he had an email sent to me with FSA ID # once I gave to him I received another email saying my ID was changed and I did not request that. He tells me Navient is being sued for doing unethical things to consumers. One of the links he forwarded me said Navient deceived student borrowes about requirement to release loan advising student they could made a certain number of consecutive payments ( 3 ) on time they entire loan would be forgiven. By the end of the call this is exactly what he said he was offering. I am afraid this person is a fraud and not sure what to do but he has all my Navient info somehow. The email that came through for him is XXXX. I was already against paying my loan because I feel I was mislead and now I deferred so much because that is what they recommended and I am in such a whole for schooling that was so unethical where they gave students the answers to the test so they could pass. I am so upset and want to know how to join the lawsuit " CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment '' if I qualify. My maiden name is XXXX last four of my social is XXXX.
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$18000.00}. Experian reports incorrectly that this account is past due {$18000.00}. Experian reports incorrectly this account Credit Limit is currently {$15000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency .Experian reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX . Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I accessed the FTC 's XXXX site to request a free credit report online from Equifax. After I entered my personal data and received the credit report, I noticed Equifax offered to provide my " credit score '' for a {$7.00} fee. Only after paying the fee and receiving the score did I become aware that the " credit score '' was n't the FICO credit score, but rather a so-called " Equifax proprietary score ''. Knowingly using suggestive, if not outright deceptive, language to unfairly profit from unsuspecting consumers is essentially a form of bait-and-switch. 

I referred back to the FTC website, who hosts the link to XXXX, to see if I could file a complaint, however, they refer consumers back to the offending credit bureau and the CFPB before they will get involved ( XXXX ). 

I am attempting to file a complaint with Equifax to request having my fee refunded, but I 'm not sure they 'll honor my request. I am sure there are untold numbers of unsuspecting consumers who are being similarly duped without realizing it and thus wo n't demand to have their monies refunded. 

Also, Equifax does n't appear to have the mechanism on their website to appeal the fee or request a fee refund. The only option I could find was related to inaccuracies on a credit report. 

I appreciate your efforts and advocacy on behalf of consumers nationwide and hope this could be an area where credit bureaus can be made to clean-up the way they do business. Thank you.
I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.
I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue.
I have contacted Conn 's and XXXX that the original delinquent date is incorrect- This account was included in my bankruptcy in XXXX XXXX. My original delinquent date was XXXX XXXX which I will attach supporting documentation from Conn 's investigation if you look in account history XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 3 ) - This would make this account over 7 years old- I want it DELETED from my report-
XXXX and XXXX XXXX working with XXXX at XXXX XXXX. Said I owe {$2600.00}. an if paid in 30 days it would not go higher. Attached are the payments. they said it would be Reported to the Credit Reporting Agency 's. National Credit Systems is handling this, and laughing every time I call to have my report updated. National Credit Systems should be sued so they close their doors. the Malpractice they do.
Resurgent capital services is reporting inaccurate balance also inaccurate name because my name is XXXX XXXX XXXX on my credit bureau ( XXXX ) please look at the supporting documents
The loan payment is due each month on the XXXX and the loan is interest free for 12 months. The loan was for XXXX XXXX XXXX. If payment due on a Sunday I pay the amount by phone on Monday, they charge me {$37.00} late fee! I tried paying online and there is no opportunity to do so! I called twice and was told if not paid exactly on the XXXX, I will be charged a fee. Please help, I have had credit since a young woman and never heard of anything like this before!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX VIA FAX XXXX 3 PAGES XX/XX/XXXX Docket Number : XXXX  Index Number : XXXX Docket Number : XXXX Index Number : XXXX Dear XXXX XXXX ; I am in receipt of the two notices of garnishment received by regular mail Tuesday.

Please be advised of my interaction with Stephen Einstein & Associates and respond accordingly. I will have this order vacated based on the fraudulent activity of that firm. After receiving a collection letter from them and making contact in XX/XX/XXXX, I had several disturbing conversations with a XXXX XXXX from Stephen Einstein & Associates regarding XXXX XXXX XXXX XXXX XXXX. Based on his grammar, unprofessionalism and telephone demeaner, I pretty much determined this was some type of scam. XXXX XXXX then began harassing me via telephone. I have continually asked for proof that this debt is indeed mine, on the telephone, by snail mail and email. XXXX XXXX XXXX XXXX Debt was NEVER mentioned in all that time or any of these conversations.

I then contacted the firm via email, asking that XXXX XXXX stop harassing me by telephone and that I be provided with the proof Ive been demanding for over a year. XXXX XXXX at Stephen Einstein replied to my email promised the calls would stop and I would be provided with documentation. THIS NEVER HAPPENED AND I NEVER HEARD FROM THEM AGAIN.

Further confirming my suspicions that this was fraudulent. To now find they have sought not just one but two judgments is absolutely dumbfounding. This truly seems to be punitive, this firms is harassing me based on my insult to XXXX XXXX and his terrible grammar -I still dont believe he is a lawyer. Maybe he is acting alone, but his behavior is not only egregious its fraudulent.

I was never served, never given the opportunity to defend myself, and I was never presented with the evidence against me.

Please contact me regarding my next step in vacating this fraudulent judgement and subsequent garnishment.

Sincerely, XXXX XXXX CC : Stephen Einstein & Associates via email XXXX
I opened up a business with paypal. They locked my account and made me send verification about my business. I followed through on this and now they cancelled my account and wo n't give me my money.
Im writing you to dispute an account fraudently opened in my name without sign any document that prove it. I will report this fraud to every single consumer federal agency to escalated this matter if i need it. XXXX XXXX XXXX is violating every single consumer law and they know it. Im also a victim of identity theft of XXXX, XXXX, state ID and my social security has been compromised. According to federal laws they are required to provid undeniable proof that this account is valid with documents such as court judgments, citations from court etc. Supporting my position. Please reinvestigate this matter to correct the disputed item as soon as possible. A fair resolution to this issue would be a complete deletion of this negative trade mark being reported to all major credit agencies. Thank you for your assistance. 

Date reported : XX/XX/2018 collection charge off, last four account number XXXX, amount {$5900.00}
On XX/XX/XXXX I submitted a deposit in the amount of {$500.00} to Capital One for a secured credit card. Approximately 2 days before I received my card in the mail I discovered upon receiving my card that Capital One closed my account. They closed my account because 1 of my initial deposits was returned. My bank stated that they never even received the request for the money to be taken out of my account. I put 2 weeks of my hard earned money into this secured credit card so I could build my credit. I trusted capital one. I called to try to get the account reopened. Capital one refused to even review my account. I then asked for a refund of my deposit. I was informed that it would take a minimum of 70 days to refund my money and they couldnt even explain how the refund would be processed. I was depending on this card to fianc my sisters graduation trip. Not only has capital one made it extremely hard on me to get a refund, but they have also made it difficult for me to get a card I thought would be simple to obtain. All I want is my account reopened with the deposit that I sent them. Capital one still took the money out of my account and then after they mailed the card out decided to close my account that I never even got a chance to use 2 DAYS before I was set to receive the card. This is very unfair and Im entrusting in Capital one to resolve this issue.
After speaking with the company twice and confirming my proper contact information they continue to contact my family members after being told not to numerous times.
XXXX XXXX XXXX repeatedly calls me and leaves messages at all hours of the day. I have asked them to stop calling as I am disputing the debt amount but they continue to call. Their representatives are very rude and angry and condescending when speaking to them. This debt should not even be in collection and that is not the proper amount so their continued calls are unwarranted.
Synchrony bank has called me 7 times in one day, for more than one day. I am less than a month behind on ONE payment. This is harassment and is unacceptable.
I noticed that my private student loans currently being serviced by Discover Student Loans have been charged late fees in the last XXXX billing periods. My due date is the XXXX of every month, and my payments were received by them on XXXX XXXX and XXXX XXXX. I want to make sure they reverse these fees and remove any delinquencies on their records as well as any delinquencies they may have reported to the credit bureaus. 

I tried to chat with them, but sat on hold for quite a while with no response. I called them, and an agent said she was transferring me to the " payments screen '', then after several minutes on hold, she came on the line and spoke to me over the hold music asking if i wanted to try back later, I said I 'd like to continue to hold and she hung up on me. Lastly, I tried to send a message through their own internal message system on their website, and it wo n't let me submit it, giving me this error : " Message : Re-enter using letters or numbers as required '', here is the message I was trying to send : " I really hope you can help me, because I just got hung up on while on hold for XXXX of your payment representatives, and I sat on hold on chat for quite a while before giving up. I noticed my minimum payment has been fluctuating over the last XXXX billing periods, so i viewed my statements and saw that I 've been charged late fees on my last XXXX statements. My due date is the XXXX of every month, and my payment history shows my last XXXX payments were received XXXX XXXX and XXXX XXXX, so I 'm not sure how I 'm being assessed late fees. I certainly hope you 're not reporting me past due to the credit bureaus, because I have great credit and have made my payments on or before the due dates. Did n't you guys get in trouble last year for overcharging interest on student loans? Can you try to get this right? 

Please refund my late fees and correct any delinquencies your records may show, because I was not late. '' I am turning to the CFPB only after exhausting every method that Discover Student Loans offers of contacting them.
XX/XX/2019 worked with a 3rd party company named XXXX they submitted our package on our behalf for Loss Mitigation Assistance Mod denied because XX/XX/2019 they were offered previous Flex Mod Trial plan and borrower was not aware so we did not accept Ditech failed to provide us proof that letter of approved trial was sent to us by mail, the 3rd party wrote a letter and that was not acceptable Ditech fails to communicate for alternative options Ditech does not return calls, We have a foreclosure sale on our property for XX/XX/2019
I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
I do not believe I owe the dept they are reporting and it is extremely difficult to communicate with experian.
I received a negative credit reporting alert from XXXX on XX/XX/2016 that creditor, Capital One has placed a 30 DAY LATE on my credit file. The creditor has posted misleading, invalid, and inaccurate information to the major Credit Bureaus. I received a 30 Day Late Payment ERROR which was created by FAULT of Capital One. I requested the alleged 30 Day Late Debt be validated and proof be provided surrounding investigation of why the XX/XX/2016 payment was cancelled by Captial One. The request was not honored nor has the inaccuracy been corrected.
Reason for Dispute : I believe that these account inquiries are invalid. I did not authorize these inquiries. Please validate this account in its entirety or remove this entry from my credit report. Thank you. 
Hard Inquirie ( s ) : XXXX XXXX and XXXX XXXX XXXX XXXX
On XX/XX/XXXX my husband was rushed into XXXX. He was seen by several doctors. The neurologist who saw him did not participate in our plan, XXXX. We were never informed of this. XXXX years later I received a bill from XXXX XXXX XXXX XXXX for {$180.00}. I fought this bill because I told them they should have told me that they did n't participate in my plan, I should n't get a dr. bill for an emergency room visit. I told them I would not pay this bill, They then sent the debt collection to Sa-Vit Collection Agency, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ). Sa-Vit called my house every day, they threatened to report this debt on our credit report and demanded payment daily. I had to start screening my calls, as their agents were aggressive and harassing, especially when my children answered. In XX/XX/XXXX, we refinanced my home mortgage, where we were horrified to find that my husband 's credit score had dropped into a level that would not permit us to conduct the refinance. I contacted Sa-Vit Collection Agency and tried to explain that the bill was not appropriate. The offered to reduce the {$750.00} collection down to {$500.00}, which I paid under protest, by credit card in order to refinance my home. I have a bill from the Dr. 's office charging me {$180.00}, how is it possible for Sa-Vit Collection Agency to charge {$750.00} on a {$180.00} actual debt? How is it possible for this collection agency to be abusive and harassing to me and my family? They overcharged a debt, harassed my family and collected more than was owed on a debt that was in dispute from day and they marked my husband 's credit score which hindered our refinancing of our home.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze/unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
Did not receive it. 
May I have a copy of my online application filled out online to get this credit card?