WillisBack/dataset-financial-user-claim huggingface dataset:
Original loan was taken  in  XX/XX/XXXX - XX/XX/XXXX .   I  am a   XXXX   and after almost 12 years of making payments was told by my current servicing company that I was put into the wrong loan repayment plan for the loan forgiveness program and only have a few months t oward the ten year loan forgiveness plan.    It was through  XXXX   XXXX  I actually owe more mow than I did when I graduated. I ca n't get a mortgage.   I also received a much higher interest rate than I should have seeing that most student loans are at about  a 3 %
I was sick and missed my payment by one day. I called Citibank on XX/XX/18 and was told there would be no late fee or interest. Payment made in full on XX/XX/18. Payment was due on XX/XX/18. Today I learned Citibank charged me interest of {$19.00} and late fee of {$25.00} which posted on XX/XX/18. Today I asked Citibank to listen to the call as their rep told me no fees. They agreed to waive the interest fee not the late fee.i am requesting the {$25.00} fee as well as I was told no fees. Now they told me they will listen to the call I had w their rep on XX/XX/15-18 and I would have to call back. Been a customer for years and pay my bill each month in full. Sometimes we forget things. My son is a XXXX XXXX for six years and now u am sick. My time is valuable and I spent over one hour on the phone today and now I have to file a complaint. I feel Citibank is protecting their employee who gave incorrect info. Another rep today told me they have no recording but the second rep said he did listen to call and then said he has to listen to call. They appear to be sneaky and dishonest. This is not an ethical way to treat a customer.
XXXX Identifying transactions on periodic statements.States The creditor shall identify credit transactions on or with the first periodic statement that reflects the transaction by furnishing the following information, as applicable : The creditor must disclose the amount and date of the transaction, and either : A brief identification of the property or services purchased, for creditors and sellers that are the same or related ; or The seller 's name ; and the city and state or foreign country where the transaction took place. The creditor may omit the address or provide any suitable designation that helps the consumer to identify the transaction when the transaction took place at a location that is not fixed ; took place in the consumer 's home ; or was a mail, Internet, or telephone order USAA in violation of regulation Z billing dispute allowed timeframe reversed it 's decision on credit card fraud billing disputes after a year of it being finalized. A serious issue is that I only noticed it when I saw " Transfer Adjustments '' on my account via USAA.com. Shortly there after USAA restricted my ability to use USAA.com and despite my many verbal and written requests has failed to comply with the above mentioned regulation. I have yet to receive a statement which indicated when these charges were reversed and placed back on my account. The only statement I received was one with no mention of the " transfer adjustments '' or any kind of reversal of the billing dispute finalized over a year ago. As it is, USAA states I have this balance, yet I have no clue what charges are on the card that contributed to the balance. It has been over 2 months now and I still have not received any of the requested documentation, identifiable statements or documentation used in the decision to reverse the billing dispute from over a year ago.
- Fraudulent XXXX transactions were sent to someone to a XXXX account with the name XXXX XXXX and email address XXXX - Chase personal and business account ( online accounts not linked ) - 6 charges from personal chase account - XX/XX/2018 {$280.00} - XX/XX/2018 {$350.00} - XX/XX/2018 {$430.00} - XX/XX/2018 {$440.00} - XX/XX/2018 {$480.00} - XX/XX/2018 {$490.00} - 1 charge from business account - XX/XX/2018 {$290.00} - I don't know this person and no one has access to my online accounts.

- After Chase completed its investigation on the personal account it responded with the following We have completed our research for the transaction ( s ) you reported on XX/XX/2018, and this claim is now closed.

Here 's what you should know - We found that the transactions was processed correctly or was authorized - As a result, we are removing {$2400.00} from your account on or after XX/XX/2018 - When I called them they told me - That some of the transactions where made on same IP addresses as authorized transactions - They also said that at least one of the times that one of these transactions where made they accessed my account through a finger print - Chase then removed the initial credit of {$2400.00}.
USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {$450.00} and my 1 Cash Advance for {$500.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {$0.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement. 
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?
XX/XX/XXXX, Barclaycard US website and customer Service down. Can not login or speak with anyone. XX/XX/XXXX, same issue. XX/XX/XXXX, customer Service rep answers but does not speak English or comprehend what I am asking and refuses to help me any further. Discontinued my call. I have been trying to re order new cards to use, I didnt receive new cards in the mail. Should be a simple transaction. Still can not login online, doesnt accept any of my personal information.
There is information on my Equifax credit report that is not accurate. The information from XXXX XXXX XXXX, XXXX XXXX, XXXX WI XXXX was removed from my XXXX credit report, Equifax refused to remove it. Equifax stated : " The results are : This creditor has verified to OUR company that the balance is being reported correctly. '' This debt is not mine and I have no knowledge of it. I have never received a bill from XXXX XXXX XXXX, the debt is not mine. 

The second item disputed with Equifax is from XXXX XXXX, XXXX XXXX XXXX, XXXX WI XXXX. Equifax stated : " We verified that this item belongs to you. '' Like the other debt above, I never received a bill from XXXX XXXX and the debt is not mine. This debt is not on my XXXX credit report. These charges are either fraudulent and/or they are the responsibility of a person with the same name that lives in the same geographical area. This person in the past was confused with me and the university I was attending at the time almost billed me for his tuition. 

My name was inaccurate and then corrected on my Equifax Credit file. I have attached the report stating that my name was now properly reported.
my mortgage was sold or transferred to another company without any notice to me. I called today our mortgage servicing company ( SPS Inc. ) ( XXXX/XXXX/15 to make the monthly payment and was told that it was no longer with them ( SPS INC ) I was told it was now with XXXX XXXX XXXX XXXX, when I called XXXX I was told there was no loan with them. I called SPS back and was told that a letter was sent to me on XXXX/XXXX/15 we never received any letter from them or a letter from XXXX saying they now have our mortgage. On XXXX XXXX I called SPC Inc. spoke with our case manager XXXX XXXX, to inform SPS that I changed home owner insurance and wanted to inform them of the new company I was never told that our mortgage was transferred to another company. I received our loan statement dated XXXX/XXXX/15 for the XX/XX/2015 payment ( see attached ) the post mark on the envelope is dated, XXXX/XXXX/15. why would SPS send us a statement requesting payment to them for XXXX/XXXX/15?, SPS ; states that a letter was sent to us on XXXX/XXXX/15 saying our account was transferred to XXXX?? we never received a letter from SPS to this date nor have we received any correspondence from this so called XXXX XXXX. my complaint is, is it legal to do business this way?. Just who do we pay our mortgage to? we are trying to establish our credit status to apply for a VA loan this can do harm to our credit worthiness ( this is a FHA loan ) please help us resolve this issue. thanking you for your prompt response to this matter.
This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
I've paid off my balance but I still get charged interest. When I called in on XX/XX/XXXX, both agents told me that in order to avoid interest charges moving forward, I need to pay off my balance which I assured them that I would. I did that and still got charged interest.
My payment was applied incorrectly. I applied {$1300.00} to # XXXX and {$400.00} to # XXXX. I then received confirmation emails supporting this. 

Somehow, the entire {$1700.00} was applied to # XXXX.
I requested a credit line increase through your online XXXX XXXX XXXX XXXX located at https : //online.citi.com/US/JSO/SSO/CardsSSO.do. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page XXXX ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : Citi Bank Credit Bureau XXXX XXXX I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. Citi Bank followed up stating it was a system error and I should submit the request to remove this credit inquiry from CitiBank Credit Bureau XXXX XXXX department. After XXXX conversations, XXXX faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : citi-response.pdf
On XXXX/XXXX/XXXX I filed a complaint against this company. The complaint number assigned was XXXX. On XXXX/XXXX/XXXX The company responded to the complaint the following : Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested validation from our client and will send it to the address in this correspondence once received. 

Today is XXXX XXXX, XXXX and I still have not received a response from this company regarding this debt.
I have been called almost every day, sometimes multiple times a day by XXXX XXXX XXXX XXXX. They call me from at least 5 different numbers, and only sometimes leave a pre-recorded voicemail on my cell phone. I haven't received any kind on information from them regarding what the debt is, who its from, or any other kind of information. The consistent phone calls just one day started. I have just recently found out about writing a debt verification letter, and a cease and desist of communication, and will be sending out those letters asap. I have also just started not deleting my voicemails from this company as a proof of their harassment and persistence.
RE : Credit Freeze Fee Charged XXXX by EquifaxIn XXXX, 2015 I requested a security freeze of my credit file along with a fee of {$10.00}, which is the fee for residents of California. Equifax erroneously claimed that I submitted an incorrect address and denied my request. Equifax nevertheless cashed my check. 

In XXXX, 2015 I responded to Equifax by letter providing substantiation of my address and other identifying information and again requested a security freeze of my credit file along with another {$10.00} fee. 

In the XXXX, 2015 letter I requested a refund of my original {$10.00} fee as I should not be charged XXXX for freezing my credit file. I have attached images of the XXXX cancelled checks. 

Please send me a refund of {$10.00}.
In the beginning of XXXX XXXX, I had gotten denied for an apartment where I was required to pay XXXX $ for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX $ loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
I have been a Discover Card member since 2014, and at one time the service and fees were great. I have attempted on several occasions to stop the usurious fees of 18.74 APR which is preventing me from paying down the principal. I would hope that Discover address my complaint in a speedy response. The only alternative is to alert other consumers on XXXX XXXX, XXXX and XXXX.
On XX/XX/XXXX, I filed a complaint with the CFPB, # XXXX, Specialized Loan Servicing, holder of my second mortgage. In the meantime, I finally found out what was happening. Below is the statement I wrote yesterday on their website when I submitted the electronic document for a hardship loan modification, and attached all the necessary supporting documents : As of XX/XX/XXXX the terms of my loan changed from an interest only to principal plus interest payment. I was only notified about this in XX/XX/XXXX, when it was already 3 months late, and by then was over {$2000.00}. The only way I came to know about this change was with a conference call between XXXX and SLS. Until then, I had called numerous times trying to find out why I had such a large bill, which is now {$2500.00} due XX/XX/XXXX, and was unable to get an answer. I was transferred and disconnected so many times that I finally wrote, and still received no answer - just another bill. If I had been notified in XX/XX/XXXX, I could have borrowed the {$500.00} and gotten a refinance. By the time I found out, I was n't eligible for a refinance, because your company was reporting me late twice in a 30-60 day period. ( By the way, thanks for that! ) I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I have contacted the CFPB, and will continue to do so until I can get the modification that I need. <P/>This is really unfortunate, not just for me, but for SLS, who would have received the total amount that I owed, around {$28000.00} in the month of XX/XX/XXXX. I was informed by the company doing the refinance that everything else was perfect ; the only thing that made the loan fall apart was SLS reporting me late. I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I wanted this to be on record with CFPB, and will continue to do so until I can get the modification that I need. Yesterday, I submitted the electronic form to SLS with all the corresponding documents needed in order to modify this loan.
On XX/XX/2018, I wrote TransUnion about an account that is improperly and inaccurate and with old information. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from TransUnion, a few days later I received the letter back because it was undeliverable. 
TransUnion is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my TransUnion Credit Report inaccurately. 

2. Given that the furnisher ( XXXX XXXX  ) has provided false information to TransUnion about me, and provided TransUnion with a false address, I am demanding that the item ( XXXX XXXX  ) they are reporting be removed immediately.
Nationstar Mortgage has changed it 's name to Mr. Cooper. Since the change of name no one from Mr. Cooper has reach out to me to talk to me about my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. Instead I received a foreclosure sale notice from XXXX XXXX, XXXX. that my house is scheduled for foreclosure on XX/XX/XXXX. Beside I was not told nor receive any correspondence from Mr. Cooper about the reason for the foreclosure. I believe there is shenanigan going between Mr. Cooper and XXXX XXXX XXXX, XXXX trying to force me out of my house
AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
I own my home free and clear. Pretender lender loan servicer " Ocwen Loan Servicing '' using its cozy relationship with XXXX and XXXX, using fraudulent trustee sales that was taking place in just days as a weapon to coerce me into signing a increased none negotiable fraudulent {$750000.00} loan modification settlement in order to save my home from being auctioned off by crooked shady Ocwen 's buddy XXXX in just days. Then Ocwen and its crooked lawyer " XXXX XXXX '' would not allow me the right to have a congressional hearing before congress to tell my story about all the years of being under severe stress by these companies servicing 's abuses which has caused me serious health troubles, serious harm. Now, after Ocwen, XXXX and XXXX all threatened with fraudulent trustee sales, Ocwen is now using pretender lender loan servicer impounds account as another weapon, forcing my private homeowners insurance into the pretender servicers phony impound account. I paid my private homeowners insurance policy in full because I own my home free and clear. I received a refund from my homeowners insurance company. Pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX, all have committed fraud against me. I have evidence of Ocwen putting years of forced placed insurance policies on the pretender lender loan servicers account when I had my own private homeowner insurance policy at all times. Do n't worry Ocwen litigation crooked lawyers puppet XXXX will tell everyone 2=2=5 the sky is green grass is blue.
The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to  pay ) they nee d to retract this from my credit file immediately.
I pull my credit file and I saw this credit card company on my credit report that I did not apply for ELAN FINANCIAL SERVI Acct # XXXX. I reach out to this company about this credit card and ask them to provide me with proof and to verify this is my account. Also the company has not provide me with any proof and this is still on my credit report please help me with this matter..
XXXX accounts are being disputed as not having a contact with those companies. All I received in return was a page that said updated information and an account number. I am looking for this debt to be VERIFIED AND VALIDATED. I need proof that these accounts belong to me, and that I signed up for them.
I was robo called by a XXXX party ( The Student Loan Help Center ) to help me with my student loans. As a XXXX in a XXXX XXXX district, I knew I was soon eligible for up to {$5000.00} loan forgiveness. Assuming that was why these people contacted me, I agreed to pay a one time fee of {$590.00} dollars so this company ( who I thought was affiliated with the department of ed. ) could alter my repayment program. Apparently this service is offered for free directly through my lending house ( XXXX ). I have since worked with them to not only enroll in a new type of payment program, but also to file a complaint with them as well about these poor/unethical business practices. I 've since filed a complaint with the XXXX and have contacted my XXXX. I would like to be reimbursed for services that were A ) never necessary and B ) never rendered.
Hello ; I have been attempting to catch up on past due payments for my mortgage, however my mortgage refuses my payments and returns them to my bank. I either need to pay the full amount past due or I 'm at risk of foreclosure. I was XXXX for 2 months and out of work, I notified them of that. I sent them one full payment last week and it was returned. I have attempted to pay online via their website, and have contacted my Dedicated Loan Specialist to discuss the problem. I simply want to pay additional until caught up and do not want my home foreclosed. I faced a temporary issue that is now resolved.
XXXX XXXX XXXX has called my employer and multiple family members. I've asked them to stop contacting me and my employer and they have not stopped. They have threatened with legal action and wage garnishing. They have harassed my parents, siblings and employer repeatedly.
I signed up the an American Express TrueEarnings Card. The contract specifically stated that I would receive cash back for eligible purchases. My first cash back check should have arrived in 2015. It never did. So, I contacted American Express to reissue the check. They refuse.