WillisBack/dataset-financial-user-claim huggingface dataset:
I deferred my payments for the last 2 years but have been regularly making my payments for the last 5 months. The payments keep steadily increasing every month, from {$130.00}, to {$230.00}, to now {$460.00}. Every payment made has gone directly to interest, and the total amount owed, the balance of the loan, continues to increase every month. So with my payments the debt is increasing and never goes down. I owe {$35000.00} at between 4.5 % and 6.8 %. I owe about the same on my car at a higher interest rate with the same monthly payment, and with every payment made I see the total amount owed decrease. I do not understand why my payments are increasing & my total debt owed is increasing. At this rate I will always be making payments and the debt will never be settled. I am very frustrated as at the same time I am not able to pull my monthly statements and track what has been going on. When I previewed the transactions last night, which is when I noticed how my payments were being applied and that my debt was continually increasing even with payment, I noticed that the last several payments were labeled unspecified. My loans are through Navient. I need to eliminate this debt and need a clear path to making this happen. I really would appreciate any assistance as I do not trust Navient and feel that I am being defrauded.
I paid Capital One {$400.00} and they carged me {$200.00} in interst.
XXXX XXXX gave an estimate for a medical procedure ( XXXX ) .My insurance would pay for a certain amount, & I would be responsible for approximately $ 600- {$700.00}. My doctor said that if the insurance would have paid more, then he would recommend the XXXX, so the doctor & myself decided not to get the medical procedure ( XXXX ). That is when XXXX XXXX offered to lower their price so they could get the business. XXXX XXXX offered to do the procedure for the amount the insurance would pay. They performed the XXXX and I did not receive a bill from XXXX XXXX. XXXX XXXX sold to XXXX XXXX & then 16-17 months after the XXXX was performed I received a bill from Mosaic for the XXXX that XXXX XXXX had performed.
i purchased a 2009 Hyundai sonata from XXXX XXXX XXXX XX/XX/2016 my down payment check bounced due to insufficient fund of XXXX dollars i was financed through regional acceptance corporation with a car payment of XXXX currently I 've had the vehicle 90 days and agreed to pay car note until i found out registration or vehicle is not titled to me on the memorandum title to obtain hard plates, i was told the vehicle is still in XXXX 's name even though i 'm currently approved for a XXXX dollar loan i was contacted by XXXX police also about the check, XXXX states give them regional 's money and the XXXX making a grand total of XXXX or there is no deal! i disagreed with that amount and was told return the vehicle, i said OK but only if the loan is being canceled so i can submit a new deal somewhere else, i went to another dealership and tried to purchase another vehicle for the same amount with a new credit application and it was denied because i 'm still being told if i give this car back it is a voluntary rep o, when that 's not the case i feel 90 days is more than long enough for a vehicle to go in your name also XXXX lied and told regional that the car was in my name when it 's clearly not, the police has called everyone on my credit application, also the fact that my check bounced do n't make me a criminal the account is still open and active and a direct deposit went through that same month bank had took my check due to fees a payment arrangement could have been made with XXXX but now the situation has went too far. i would like to be done with XXXX but in a civil manner and not at the expense of my freedom or me not being able to purchase at a different dealership or bank.
Received an alert on my credit report from XXXX, XXXX and XXXX that XXXX accounts had been posted to all 3 credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX advised them that it was result of " identy theft '' and account was opened fraudulently and without my authorization. This is my 2nd if  not 3rd time reporting this to XXXX. Convergent advised me to contact XXXX ( again ) I did and spoke to XXXX who reported XXXX accounts in the amounts of {$110.00} opened XX/XX/XXXX and closed XX/XX/XXXX and  also account for {$720.00} opened in XXXX and closed in XXXX. I think the phone number belonging to one of the accounts was XXXX. XXXX couldnt give me much information on one bc apparently the person who opened the account put a password on them so they couldnt tell me much, but they did report them. Confirmation number given by XXXX at XXXX is # XXXX. Please remove these accounts from all 3 credit reporting agencies. I will be attaching a notarized " Identy Theft Affadavit '' form and also a police report. PLEASE REMOVE THESE ACCOUNTS and send me a copy of the updated reports showing they were removed.
I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
I was using my first credit card with XXXX XXXX XXXX and I was unable to afford the payment on months due to being unemployed and a student. 

There were 2 missed payments in XX/XX/2016 and there has been nothing since then. 

I am working diligently to rebuild my credit score so I am able to save up and buy a home in the next couple years. 

This would be amazing to get off my report.
I am writing to you to request that you verify a or debts as required by the fair debt collection practice act. concerning my debt from XXXX XXXX XXXX in dates back from XXXX XXXX I am XXXX and therefore unable to work and have no other income thank you XXXX,
We are trying to set up payment arrangements and the company Hunter warfield Inc., stating they wo n't give me any prof if I 'm making payments that it would hair sit on my credit no receipt number or anything.
I have no clue on a daily basis how much interest I owe currently, how much is supposed to go to principle when I make a payment, how much is going to go to interest, what my ending balance is minus my payment, and this is just my account on the website. It has NEVER showed me this information. My balance is on a different tab, the loan history is on a different tab, the payments never show the balance subtracted anywhere. I never have seen my calculated interest. Loan was changed to Navient in XX/XX/XXXX and I have n't known this information since XX/XX/XXXX. I wrote an angry email to them XX/XX/XXXX? about how unclear their statements are and NO ONE has payments and balances on different pages! No response to this. My payment to interest has been different every payment for 2 years along with my payment to the principle, and I have made over 24 payments along with extra large amounts to pay this off. My e-mails for over 6 months earlier this year ( during this time ), has said that no payment was expected until XX/XX/XXXX, because I had paid ahead. I spoke to Navient maybe in XX/XX/XXXX about this. My next email then said I owe $ 300+ because my income repayment has expired! After I talked to them! I do n't believe them at this time that I am signed up for the forgiveness program and I am into it for 2 years out of the 10.
My loan servicer sent insurance payments from my escrow account to XXXX different insurers. Prior to my insurance policy expiring, I called the servicer to inform them of a new carrier. The old carrier and the new carrier submitted an invoice to the servicer. The servicer paid both bills and refuses to contact the original insurer to get my funds back.
On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my Experian and XXXX credit reports. These companies investigated accounts instead. Additionally XXXX   DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : Experian INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XX/XX/XXXX not mine XXXX INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized
Eauifax has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.
I was called XXXX 3 times on my cell phone in 1 day, received XXXX call at work in which the gentleman was very rude to my receptionist and tried to say his call was " very urgent '' as well as calling my fiance 's cell phone all in the same day.
I discovered this {$610.00} debit on my credit report witch was a utility debt from my ex wife So I paid off, and receive a letter from collection agency saying that I do not owe anything. I have sent this letter to all XXXX agencies, and never get any answer from them. This has been 5 years since I have paid the debit, and it still showing in my credit report as unpaid on XXXX AGENCY So my credit is lower then it should be only because of this derogatory item.
IC Systems Inc is attempting to collect a debt not owed. I contacted the original creditor " XXXX XXXX '' " partial account # XXXX '' as listed on my credit report and they were unable to verify any account in my name. I am requesting immediate removal of this unverified account per FCRA guidelines from any and all credit reporting agency/service.
I am trying to link my Capital One checking account to my XXXX XXXX monitoring service and Capital one is blocking external applications I'm being told by XXXX XXXX.
I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.
The American Express Serve claim to offer cash back, & after redemption the system takes back more money than they offered! On XX/XX/18 the system offered {$2.00} cash back and the account already had fund in the available balance. Then on XX/XX/18, the account went up and down consistently for 72 hours! Going from a {$3.00} balance to a - {$2.00}. After being negative it went back to a positive {$.00}, and the back to negative! The balance was changing without fees, transactions and no pending transactions either! Called in to address system mistakes, and the supervisor " XXXX XXXX '' expressed he seen the discrepancies. This is after I provided all of the dates, times, & amounts in regards so it was basically me holding his hand throughout. While sitting in the phone for a two hour hold, XXXX expressed he was getting help from another supervisor and wanted to place me on hold again! The last hold was longer because he was clearly at a loss, & hung up the phone because I don't have another 2 hours to spear. Just called back " again '' and the escalating team refused to file complaints, and did admitted to this system issue. They refused to give me a timeline for a resolution and this is the customer service they are charging me for. The so called " escalation '' CSR refused to give names, use Id 's and neglect to acknowledge this has been a on going issue after pointing out other occurrences. Just a we're so sorry, over and over! Never cussed or yelled at anyone, because I work in a call center as well. Once most agents noticed the discrepancies, they hung up in my face so this totaled about 10+ calls. This ordeal took a full day and they still neglected to address/resolve the issue. Since these call centers are located over sea ; they have no regulations. American Express is based within the U.S and should held to our guidelines no matter where the call center is based. The neglect has been ongoing and it is time to hold them accountable ...
I 'm not certain who they are, but they keep calling, twice a day, from  XXXX . Today they called me multiple times on my work phone.     I believe it 's a company called AES. They have a fraudulent account on my credit. My father was able to get it removed, most credit reports removed it from mine. Only   XXXX   has n't.     They keep changing a late payment date from 10 years ago just to keep it on my report, but the thing is -- I have never had an account with AES, and have been fighting this for at least 8 years.
I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different
My credit reports with all three agencies, XXXX, XXXX, and Transunion consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.
We applied for a mortgage with Ally Bank and were approved to close on XX/XX/2018. 

A problem came up last minute where the city refused permission to repair the existing septic and required a city sewer hookup instead. The city was not able to provide dates where this could take place. 

1 ) Ally refused to close without the work being complete. Other lenders will proceed with a hold back of funds for the work. 
2 ) Ally refused to allow a new rate when the lock expired, instead instituted a {$340.00} fee every 5 days rate extension fee until the work was done. This is the equivalent of a blank check, which is not workable. 
3 ) Ally refused to release our appraisal which WE paid for up front so that we could use it for a mortgage company that was willing to close with a funding hold back. 

Ally gave us no options except an open ended and rapidly escalating fee. I feel our appraisal is being withheld out of spite as other financial institutions will transfer appraisals. The situation was not our doing, yet Ally gave us no option but to pay them thousands of dollars in extra fees.
The credit reporting sites are telling me that my address and social security number do n't match up when I have tried both of my previous addresses and have only lived at XXXX places my entire life. I just turned XXXX on the XXXX of XXXX, 2015 if that helps.
I have been working on a modification with Bank of America for almost 5 years. I have been submitting documents time and time again. Most recently, I believed I was getting a Modification after filing a complaint. I received some time sensitive documents that appeared to me as if they were the modification documents. I saw that there was a breakdown of payments so I was happy! It was different than I expected, so I called the Bank of America modification department and I was advised that I needed to send my first payment of {$670.00}, the amount that showed on the document by XXXX XXXX, so we rushed to have the money in the account to send it to the bank. I confirmed with the representative from Bank of America that my payments would be {$670.00} each month and would change as per the letter I received, and she said yes. I called on XXXX and again on XXXX to confirm that my payment of {$670.00} and she confirmed. I was about to send the next payment, when XXXX XXXX, my third party representative, the person who is assisting me advised that I was sent a reinstatement letter. XXXX XXXX then called Bank of America, and she was told that they apologized, that they could see how there could be a confusion however that the letter advised that I needed to send in over {$30000.00} to satisfy the debt, and bring it current! This call happened on XXXX/XXXX/16, she was also advised that there was no sale date, but in ongoing foreclosure. XXXX, from Bank of America notated the account that the person who advised me when I called had to advise the bank that I had made the payment in XXXX, did not properly advise me that you I needed to make the $ XXXX by XXXX/XXXX/016 nor that it was not a modification!! I was shocked and terrified that I am going to lose my home after all of this time of trying to work with the bank!! This is misleading and wrong. I spoke with the bank representative before sending my {$670.00} check in good faith. She advised the amount I needed to pay which was {$670.00} as notated in the letter, only to now find out that she was wrong and now I may lose my home on the XXXX of XXXX because Bank of America sent me a forbearance knowing full well that I would not be able to pay {$37000.00}!! If I could do that, I would have long paid off my home! I am now sick and stressed beyond belief, and unfortunately creating a lot of stress for my children and elderly father who lives with me. I was again asked to submit another package for modification. I have most recently submitted the documentation once again requested for review but as I mentioned now have a foreclosure sale date of XXXX XXXX. I need your assistance to prevent me from losing my home. There is some equity in the home so perhaps now Bank of America just wants to foreclose on my home and take my equity as well. I believe that Bank of America is not acting in good faith and violating the homeowner 's bill of rights by trying to foreclose while I am in a workout. Please help me!
I have continuously submitted to my mortgage lender, Americas Servicing Company ( ASC ), documents to modify my home loan. They have continuously been asking for the same documents over and over and over again for over a year now. 
I have been through XXXX Home Preservation Specialists. 
The current XXXX is XXXX XXXX. He has not been of any help just as the XXXX prior to him. 
They have sent requests ( form XXXX ) to order my tax returns from XXXX numerous times. I have provided the information and they have still been requesting these same documents. I have even sent them copies of my tax returns. In addition, they continue to ask for my business tax returns. They have been sent copies numerous times as well. They continue to claim signatures are missing and pages of my tax returns are missing. I continue to tell them there are no pages missing and returning signed tax returns. Again, this is a repeated process that has been going on for over a YEAR! All documents are sent to them by their requested deadline and uploaded on their site. 
Everything they request has been returned timely and sent to them numerous times. I 've even had to submit the original application twice so they can by time and not service my request. 
When is it time they process my application? 
I am trying to get approved for a HAMP loan and this mortgage servicer, Americas Servicing Company, and Wells Fargo need to work with their consumers when they are in need and quit playing games. I attached only a partial paperwork I have been receiving from them for well over a year as it is so many documents they send to make it appear they are helping their customers, when in fact they are only repeatedly finding reasons to request the same documents over and over again.
I received an offer in mail about a credit card loan consolidation offer. They had my outstanding balance and average credit card percentage listed. The offer listed a offer for a lower rate along with my propossed new monthly payment should I accept the offer. The proposed new montly payment was much lower.
I have disputed the late payments on XXXX XXXX account for months. Transunion and XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Someone got my Debit card information and started purchasing items with my card, the bank caught it and cancelled my card. I recently received bills from experian that I was receiving a service that I did n't authorize, I tried to order my annual credit report but it was denied saying I already received a free report. I need to find out what I have to do to find out who 's looking into my information.