WillisBack/dataset-financial-user-claim huggingface dataset:
I believe Navy Federal Credit Union has been charging me interest on late charges in addition to interest on the principal. I understand interest applies to the principal. 

I also believe the Credit Union has been reporting late charges and interest on late charges as part of my balance to the 4 credit reporting agencies. 

My personal loan matured in XX/XX/2018 and I made my last payment in XX/XX/2018, however my balance is over {$2000.00} and continues to grow each day. I believe the Credit Union is also using compounding on these fees which is increasing my balance each day.

Although the Credit Union has provided my payment history the breakdown does not answer my question about interest on late charges and credit reporting of the same. The spreadsheet has 7 columns, all self-explanatory except a " P3 ''  column that has no description. The line items are self-explanatory except " Late Fee Capitalization '' which I do not understand.

As of this date the Credit Union has not answered my questions. As of this date I have not made any other payments since my XXXX payment. My loan matured in XXXX and I made what I thought was the last principal payment in XXXX. The late fee balance is increasing each day and is {$2000.00}. I have not made any other payments because I do not know what I'm paying for. 

These questions remain? 

1 ) Have I been charged interest on late charges ; and, if so, the total amount of interest charged " on late charges, '' not principal, over the duration of the loan? 
2 ) Has interest on late charges and late charges been reported in my loan balance to the credit reporting agencies? 
3 ) Exactly what does my current balance represent? I do not know and that's why I am not paying.
I requested a free credit report on XX/XX/2018. Have not received as of XX/XX/XXXX. I called Equifax on XX/XX/XXXX and spoke with 4 people over about 75 minutes. My question was simple - what is the status of my request for a copy of the report.

All I got as the run around and long times on hold. They asked for some type of confirmation number, outstanding balance on specific credit accounts, minimum payment on specific credit accounts, etc. I repeatedly told them I did not have the information available and that I was not asking about any information in my file. I told them I did not understand how they were protecting my information by refusing to tell me the status of my request.
I attempted to place a Credit Freeze with TransUnion this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be XXXX as half of the tax-paying citizens private credit files of the XXXX were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the XXXX and a profit center for the other XXXX credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their XXXX executives who excersized sizable stock options knowingly XXXX. 

My hope is that the XXXX takes a strong punitive stance on this issue.
During XX/XX/XXXX, I applied for an auto loan with XXXX XXXX in which they pulled my credit multiple times that was only authorized for one pull. I have called the dealership and Equifax on multiple occasions and they keep sending me back and forth between the two. The dealership stated I should not be worried about it because the multiple inquiries only count as one anyways ( inaccurate ). 

During XX/XX/XXXX, I applied for a tralier loan with XXXX XXXX, they too also pulled my report multiple times which should have only been one.
I have been driving for XXXX for over four years. Earlier this year, they ordered a background check from Checkr, which reported three accidents on my driving record over the last three from the VA DMV. I have unsuccessfully tried by phone and emails to convince Checkr to relay to XXXX that in VA, accidents appear on a driver 's record regardless of whose fault it is but they do show a disclaimer regarding that, which Checkr does not show in its report. As a result XXXX has deactivated my account. I have also applied with such companies like XXXX and XXXX which have declined my application for the same number of accidents showing on my record I have provided Checkr with police reports and insurance company statements that I did not cause those accidents which they simply ignore. They would say contact the company involved, which would then say to go back to Checkr. Checkr would even show the rejection as coming from say XXXX, when it actually comes from them. Credit bureaus customarily forward consumer feedback re items on their credits to those who requested the investigation. I have attached copies of some communications I have had with Checkr about this matter.
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include DPD Office XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.
I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.
On XXXX XXXX, 2016, I odered a XXXX product from XXXX online for {$96.00} which I paid in full through my PayPal account. They received my payment instantaneous. The shipping is free and suppose to arrive 2-4 business days. There 's no customer service contact number. All communication is done via email. I later find out that their address that 's displayed on their website isnt all the way correct. On XXXX XXXX, 2016 XXXX tells me a woman called in and requested that my package be returned back to sender. For what? I do n't know! I 'm very upset because this was supposed to have been a XXXX gift for my daughter. When I emailed them on that same day telling th how upset I was about the whole order process and especially not having a customer service contact number for situations as this one. This company has not responded yet. Today is XXXX XXXX, 2016 and I still have n't received my Oder or refund. I 'm a mother of XXXX. My youngest just turned XXXX old on XXXX XXXX. I ca n't afford for this company to rip me out of my money. I work hard for every dollar that I make. This company is wrong for doing this to me and ruining my daughters XXXX! What really bothers me is that this company still has my money and do n't have the decency to respond to my emails. I order through XXXX and EBay all the time and never had a problem. Never again will I Oder from this company. I have nothing good to say about this company. I even dislike the name of this company. The whole ordering process has been nothing but XXXX!!!!
On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXXs executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.
DISCOVER BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.
RE : Capitol One and XXXX ACCT : XXXX On XX/XX/XXXX, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XX/XX/2016 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX
Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.
I was having trouble with my loan payments so I decided to file a loan modification. During this process I was informed that I wouldnt be responsible for being reported late to the credit bureaus. Well after the process was done they still decided to report me 90 days late on my credit report. I am not trying to get this loan paid off and get a new home and I am unable to because this loan is showing late.
Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint. 
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line. 
I am XXXX and on fixed income and use XXXX for the legal side. 
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment. 
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.

I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.
Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.
ARS supposedly a debt collector. No contact information is given. No information about debt originator provided. Just People asking for amounts of money that must be paid over the phone on the day and time of call. I do not plan on paying anyone over the phone so I have requested the information stated above and written statement of above with information to whom I may send a check to. Whoever no cooperation by supposedly debt collector has been provided.
Ive been a member of Navy Federal Credit Union for many years. I was denied access to my accounts starting in XXXX when I was behind on payments for my credit cards and or checking line of credit. I was not able to get any account information when logging in online. Currently, when any money is deposited or transferred from another member, Navy Federal takes funds for payments with being 6 days delinquent. They will take the entire amount of money available to make the payment and leave nothing available.
on XX/XX/XXXX i reviewed my credit report and it was reflecting a debt from XXXX XXXX by XXXX XXXX XXXX since XXXX. It is my understanding i am no longer liable for this debt because i turned the phones in.
Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However experian and XXXX  are still reporting these 2 accounts that do not belong reporting. Obviously XXXX has done the re-investigation as the problem has been corrected.i an complaining about experian and XXXX because they should have received the same response as XXXX  did. The company would not tell XXXX to delete them and for experian and XXXX   to keep them. The answer is the same across the board.
I am writing this letter in regards to late payment reported by Loan depot my current mortgage company it was for the month of month of XXXX 2017.. On XXXX XXXX, 2017 Loan depot LLC, branch in the XXXX XXXX XXXX, CA called me because I qualified to refinance, my FHA Line of credit.
I agreed to refinance because the new loan was with same mortgage company Loan Depot and we started paperwork, the loan number was XXXX. During the refinance process I was dealing with XXXX XXXX he was processing loan. I asked XXXX XXXX  if I should continue making payments on my current loan.
XXXX XXXX was going to ask supervisor if I needed to make a payment for XXXX. Manager calls me back in regards to payment. I was told hold on wait until they got a payoff amount.
I did not receive anything in mail. I was under the impression that my loan was approved.
I would still be in good standing, because I would have made a payment on time for XXXX. I did not receive a written letter from Loan Depot LLC until XXXX XXXX, 2017 that loan was denied on XXXX XXXX, 2017. That was unethical on their part, the letter should have been mailed earlier.
I am filing a CFPB complaint against Equifax regarding the XXXX XXXX, 2017 loss of consumer data in which I have been identified as a potential victim.
Previously XXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement
on the morning of XXXX XXXX, 2016 I noticed my account was over drawn. I went to the XXXX, CT banking center to make a deposit to bring my account current. I was informed that the banking systems were down in my area XXXX XXXX XXXX, XXXX, XXXX CT, etc ) and was advised to wait until they are back up to make the deposit. Around XXXX I drove back to XXXX XXXX, CT and was advised I can then make a deposit via ATM, which I did. On XXXX XXXX, 2016 I was charged XXXX XXXX overdraft fees. I called customer service and even though they said they saw the systems were down, they would not reverse my fees due to the ATM machines were working ( even though I explained I was advised not to make any deposits as they did not know why the systems were down perhaps cyberthreat, etc ). My complaint is as follows : 1. The fees for insufficient funds are egregious 2. No compassion for their banking system not working 3. Over 10 years of banking with them, they did not care.
XXXX XXXX in currently reporting a debt on my credit file that is incorrect. My insurance paid this debt and I am not sure why they are reporting this collection on my credit file. It is invalid.
I opened an XXXX XXXX Business credit card account as a member of an LLC ( XXXX ). I was told they needed my social security number due to the Patriot Act. The LLC became insolvent, and XXXX XXXX called me saying it was a debt I personally owed. After no less than 10 conversations asking them for documentation to support this when I told them I did n't sign for that, they continued to say they would " send what they have '' but instead sent me to collections. They continued to mislead me with their intentions until I was contacted by a collection law firm. I had to hire an attorney, pay court costs, even pay to fly to a court hearing since I no longer lived in the state the account was opened in. My credit was damaged, getting me denied for home rental for my family. The judge agreed with me as they had no documentation, and finally about 18 months later my attorney and the law firm representing XXXX XXXX agreed on a dismissal with no further ability to attempt to collect. I sent all credit bureaus a copy of the order signed by the judge, and XXXX and XXXX removed the account from my personal credit report. Equifax, is still being told that " it 's my debt '' by XXXX XXXX even though it 's dismissed, I was found not responsible, and I never signed anything saying it was my responsibility. It is still damaging my credit. How can they continue to report this with no supporting documentation from XXXX XXXX even though they HAVE documentation from me proving that it should be removed? How can they say " they have no control '' over what they report?
I have requested the documentation regarding account XXXX at Bank of America continuously now for 7 months and they continually ignore the request. They got the original request well within the destroy documents period, but because of deliberate inaction as well as gross negligence they have not complied with this reasonable request. The result has been extreme hardship and financial loss to my family
I have unauthorized credit inquires on my Transunion credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
1-The mortgage with XXXX XXXX in XXXX, California XXXX since XX/XX/XXXX has a 7.125 % interest. I tried Loan Mod maybe 2 or 3 times since XXXX. In XXXX, I requested via HAMP, but was denied first by ASC ( a wells fargo Servicer company ), and then by XXXX   XXXX/XXXX ( others sued XXXX in a class action - I was not involved or had knowledge of until after ). Wells Fargo informed me in early XXXX that they had taken over the mortgage, and began sending statements ( but not as ASC ). 

2-Wells Fargo/WF did not identify XXXX or reveal them in XXXX - they went by a CODE ( as investor ). I paid mortgage till XXXX, XXXX, and couldn't pay due to earlier loss of job, but wife ( not on title ) and I managed to pay till XXXX, XXXX. Since then : First, I requested a WF loan mod and stated loss of job as the reason. WF denied. 
Second, WF suggested XXXX-XXXX XXXX XXXX XXXX, who admitted me into their Prinicipal Reduction Program of upto {$100000.00}, then processed and declined by XXXX, XXXX. 
Third, WF re-entry accepted my loan mod application, and XXXX XXXX denied it in XXXX. Despite saying I could appeal in XXXX, They filed for foreclosure and are now demanding a reinstatement amount of {$35000.00} until XXXX XXXX, XXXX. ( The due amount jumping from about {$26000.00} to {$35000.00} due to attorney 's fees ). 

3-To reiterate, XXXX XXXX, XXXX WF home preservation said I could appeal. Instead they filed for foreclosure, and I started receiving notices ( maybe over 12 from XXXX company and XXXX XXXX on behalf of XXXX but with WF logo ) in my wife 's name and my name separately, plus certified signature mail notices ). WF Loan Mod Re-entry then suggested documents they needed, but kept denying the ones they themselves required and asked for other types. When they denied the 3rd time I said I would complain to a federal and county agency. Then to mollify me WF pushed my 'unhappiness ' to the 'executive ' level and a Ms. XXXX XXXX accepted the document other 's had denied, and requested more docs - I sent all docs on XX/XX/XXXX and they were all accepted on XX/XX/XXXX according to Ms. XXXX 

4-On XX/XX/XXXX Ms. XXXX XXXX, another 'executive ' from the recovery department researching my complaint said the reinstatement amount of {$35000.00} is due by XX/XX/XXXX, unless the WF underwriter ( unknown name ) decides on Loan Mod options. Wife as contributor and I could pay $ 3600+ on a monthly basis since our income situation had improved, but could not afford the {$26000.00} demanded in early XXXX, XXXX. However, WF in XXXX, XXXX said due to the foreclosure status as of XX/XX/XXXX or XXXX, XXXX ( different people gave me both dates ) I could no longer make a monthly payment.
I had a debt with XXXX XXXX XXXX that was taken over by Collection Bureau of America. I was unaware of the debt and paid it immediatly upon learning of it from the Collection Bureau of America. This was in XX/XX/XXXX. 

As of XX/XX/XXXX, my debt was still showing open on my credit report, in turn hurting my credit rating and worthiness ( which is ridiculous for {$200.00} debt from 3 years ago ). I called and they said " oh thats a mistake, we will close it now and make sure it is removed ''. Well I find it abolsutely unacceptable that it took three years and me calling to report a paid off account as paid. This is literally people 's lives hanging in the balance. Whether it be for college, a home, a mode of transportation for work, credit worthiness has a direct impact on peoples lives and to make a " mistake '' over so many years that now will take more time to come off my credit is just WRONG. If collection agencies are given the right to have an impact on peoples credit score, they must be almost perfect and not make " mistakes '' that effect people so greatly.
I have contacted Equifax on XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX regarding a late payment on both XXXX XXXX XXXX  accounts. On XXXX I spoke to a supervisor who stated she was going to remove the late payment reporting on my credit report for my Mastercard XXXX XXXX XXXX   account. I have a mastercard and visa with this company. The late payment was reflected in XXXX on both accounts. I have sent a letter from the creditor to Equifax to update the accounts and remove the late payment. They removed the late payment on the visa but not mastercard. I was told by a supervisor on XXXX that she would remove it on mastercard. On XXXX I got an email that an investigation was complete. I called to check the status and the late payment was still reporting. I asked to speak with a supervisor. She put me on hold and then disconnected the call. This is poor customer service and this late payment is supposed to be removed. This company is violating my rights by reporting inaccuracies. They have a letter from the creditor to update the late payment on my mastercard and they refuse to do so.