WillisBack/dataset-financial-user-claim huggingface dataset:
I have in the past try to lower my monthly payment with Navient and have been denied. I am not able to afford my monthly house bills, groceries, daycare costs, vehicle payments due to my monthly private student loan payment and it has yet again gone up. I printed out my tax interest statement today and if I calculate my monthly payments times 12 and subtract what I have paid in interest, only {$1000.00} has gone towards my principle which means i'll never be able to pay this debt off. Unfortunately even though I have paid {$14000.00} towards interest alone last year that when I complete my taxes they cap it at {$2500.00} which does not help our family of XXXX at all.
Inquries that was once removed has appeared back on my credit again. Transunion was suppose to remove them. It may be due to there inquiry issue.
There are multiple accounts that are listed with XXXX and TransUnion as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : XXXX / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
I have review your comments and I did not authorization nor give permissible to run my credit report without my permissible, therefore I wish to have the inquire ( s ) deleted/remove.
On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX , GA XXXX for the amount of {$180000.00}. The loan was evidenced by a Note, naming XXXX as the " Lender. '' Sometimes thereafter, my Security Deed was assigned to Select Portfolio Servicing. I, however, was not provided any notices of the purported assignment, sale or transfer of the servicing of the loan to Select Portfolio Servicing. I began to have difficulty meeting my obligation during the housing market collapse. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Select Portfolio Servicing. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Select Portfolio Servicing 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Select Portfolio Servicing a Qualified Written Requests ( QWRs ) requesting that Select Portfolio Servicing provide me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Select Portfolio Servicing, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Select Portfolio Servicing to produce a verified accounting in compliance with RESPA 2605 ( e ).
I was contacted by a company called Niagra Capital Recovery and they gave a phone number of XXXX. They left a message stating that they went to my house to serve me papers and since I was not there the suing party was going to take action without my knowledge ( which I think is illegal - I think you must be served papers and that they make multiple attempts to do so ). If I did not call today they would get my wages garnished without my knowledge and it could result in jail time. They gave me a case number. I called the number and got voicemail which is very strange since I called XXXX and most debt recovery places are open until at least XXXX XXXX. I explained I wanted proof of the debt before anything happened but no one called back. I keep getting phone calls ( from what I think are the same people ) at my job and once they find out it is me on the line they just hang up. It 's kinda scary. I looked them up online and no legit business website exists and many have reported them as a scam. I pulled my credit report after and did not see them listed on there.
IC systems was wriiten on XXXX XXXX, 2016 and legal demand for validation of the alleged debt was made. They have ignored this request.
Paypal opened a line of credit in my name without my knowledge, and without a proper credit application. I do recall completing a request for a new line of credit, and I only found out after receiving notification via my credit report alert that a new line was opened in my name.
On    XX/XX/XXXX , I was notified of a garnishment that would soon commence by the  Human Resource department.  After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff  : c/o   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  GA  XXXX .  XXXX .  XXXX   File n umber :  XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house .,  XX/XX/XXXX ,    XXXX   XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   ;  XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   ,  GA  XXXX   XXXX  filed a suit stating an amount owed of {$1000.00} plus $  XXXX  -a  ttorney  fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also   XXXX    differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank.   On   XX/XX/XXXX ,     XX/XX/XXXX   XXXX   XXXX   XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment.  XXXX   XXXX   XXXX  sold account to  XXXX   XXXX   XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting  XXXX   XXXX   XXXX  to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company  XXXX   XXXX   XXXX , also state they do not have any information regarding the debt.  XXXX   XXXX   XXXX  filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by  XXXX   XXXX   XXXX    XXXX     XXXX . I believe my case falls within claims against  XXXX   XXXX   XXXX   XXXX   XXXX .
On XX/XX/XXXX, I had paid off my mortgage at a local branch of the servicer of the loan XXXX XXXX where I held a {$100000.00} money market account and paid XXXX to pay off the mortgage. The original lender was XXXX XXXX XXXX. In XX/XX/XXXX Wells Fargo called me to inform me I was in default on my loan and said they had purchased it from XXXX  XXXX. To make a long story short I was not able to resolve the problem to prove the pay off and for several years I paid Wells Fargo between 40-50,000.00 dollars in payments and they foreclosed in XX/XX/XXXX on a mortgage they did not own. I also had a checking account that they seized for a debt that I owed them 10 years prior. Then 6 years later I was returned the {$7500.00} they seized by the Nevada State Treasurer as unclaimed property.
I sent certified mail to XXXX, XXXX and TransUnion to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
My name is XXXX XXXX XXXX XXXX not XXXX XXXX My birthday is XX/XX/XXXX
I have been paying off these student loans for over 10 years now. I am at the point where I want to pay off my student loans very aggressively and be done with them within a year or 2. However, Navient does not allow you to pay more than the minimal payment they suggest for you as a monthly payment. You have to " apply for '' and choose one of their payment plans that are all very low and minimal payments. If you want to pay off more than those minimal amounts you have to manually log in every time and specify exactly the overpayment you want to make. I want to be able to pay off a large sum as an automatic monthly payment without having to log in every month, but they make this impossible. I easily do this with the 2 other loan companies I use with no issues. You should be able to choose exactly the amount you want to pay off as a monthly auto payment. I have gone through every link on their site trying to figure out how to increase my monthly payments with no luck. I feel that they are purposefully and actively trying to discourage me from paying more than the minimum payment each month.

When I try to contact them about this issue, there is a roadblock there as well. There is an endless loop of broken links that never takes you to a place where you can email or message them. I click on " Contact us '' and it takes you to page where you can click to 'email them ', and that takes you to the log-in page, even if you are already logged in. And when you log-in again, then you have to go through the same steps again, never getting anywhere to contact them online. Finally I give up every time because I get so frustrated. I think this is their plan. This problem has been going on for a long time. They do not respect their customers, and I believe they purposefully try to make you owe them more money by accruing more interest over a longer than necessary time period.

I don't have much in terms of documents to attach for evidence because these are things I can not do, so it's hard to document them. So I will attach some screen shots of the place I got stuck trying to contact them.
CAPITAL ONE 360 mistreated their client. They have just closed the accounts and reported occurrences of fraud to other banks when fraud never occurred. In addition they contacted other financial organizations and spread security risks about their client! Capital One still did not respond to the cease and desist order filed by XXXX! Their response is needed immediately!
Twice now in three months I have received a credit card ready for activation in my name that I did not apply for. Synchrony Bank is allowing anyone with a small amount of information to apply and get a credit card sent to my home. Since Synchrony Bank is in both cases the card provider, I suspect they are the real problem. I have read other reports of the same nature involving them. This needs to be stopped.
Alright all I did was just transfer money from my savings account to my checking account. But apparently I got ta pay even to move around my money in my bank account. All I did was transfer funds and I got charged XXXX $ which added up to over {$300.00}. I was unaware of this I would not have done it if I was. I would like a full refund since I was using my own money that I earned
I took a loan out with regional acceptance Corp with a XXXX XXXX in XXXX XXXX, My payments were XXXX a month. I have been paying XXXX a month for over 4 yrs and my loan is still over XXXX. The money that I paid over the yrs have went to interest only. I was told I should be caught up on the loan but the company said I was a month beyond when I was paying every month .. The customer service is Rude and harassing.. They repo my car on XX/XX/XXXX with all my personal belongings and tag. I was not notified as to were I could pick up my personal stuff and tag. I do n't know where my stuff is. They are supposed to notify you and give you a option to pay .etc ... I lost over XXXX for a car only worth XXXX and they still wanted XXXX more. Can someone please help me? This is a scam and a rip off company. How many more people have they gotten like that
About XXXX years ago, I signed up for a reserve line of credit with my bank. At the time, the bank teller told me that I would no longer be charged for overdrafts if I connected my checking account to the reserve line. As a result, I believed I was protected from overdraft fees by the reserve line. 

Twice this month, my checking account has overdrawn, causing the reserve line to kick in and transfer me money to cover the transaction. Each time I was charged {$12.00} -- my bank statement labeled that charge as " overdraft protection fee. '' I called my bank to complain, and was told that the free was not an overdraft fee, it was a " transfer fee. '' Which is a fee for transferring money, which I do n't pay when I transfer money from the reserve line myself. 

At a minimum, the bank is misleading customers by implying that they will not be charged an overdraft fee, particularly because the fee is still labeled an overdraft fee on my account statement. While they may distinguish between these fees internally, they certainly are n't transparent about their policy. If they had told me " a reserve line will allow you to access reduced overdraft fees when you overdraw your account, '' that would have been open and transparent. And it would have altered my behavior, because I would not assume I was covered by a reserve line.
My issue is with Midland credit mgmt. They keep calling and calling from multiple 3rd party numbers directed through the US from an office in XXXX and I have not authorized anything from them and tell them to contact me after work hours from a US based office to review there claims of debt., they are pushy and dont want to take no for an answer even after stating that I am at work and can not talk. My wife had an issue with them as well and after she did pay them, they stated she never made final payment and kept charging late fees and refused to work with her.
this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX  veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans!
My original debt was to XXXX XXXX bank. My credit report shows LVNV funding as the debt holder now. When I call I'm told the company is named resurgence collections. Resurgence will not tell me anything without me giving them my social security number. I refuse to give it to them and they will not allow me to get any info or pay off the debt.
I was notified about a loan taken out in my name at CashNetUSA. CashNetUsa would not assist without a police report. I have filed a police report and sent to this company as they requested. I have spoken with their Fraud department and was told they would send the details on the application that was fraudulently completed in my name but have not received it. They stated they would send this two weeks ago but it has not been received. I have left multiple messages for their fraud line with no response. I have called the corporate offices and have gotten no assistance. It is very frustrating to be a victim of identity theft and get zero assistance from the company. This company seems more interested in helping the criminals than the victims of identity theft.
I have a US Bank XXXX XXXX credit card. The card has an annual fee that is not waived. The card at the time of collection of annual fee had advertised a feature called XXXX night free, so if one would redeem points for a night at a hotel, the subsequent night was free. The annual fee was justified with this perk. 

However in XXXX they abruptly removed this feature. They also refused uniform compensation for the said removal. Multiple people have claimed a refund of annual fee for the year and XXXX total points as compensation being given by US bank to them. Ofcourse I can not validate the veracity of internet statements, but I have no reason to believe these people are lying. However when I complained at first they just said sorry and offered no compensation. Upon prodding for compensation they offered a mere XXXX points. 

I understand that product features are subject to change, however when you remove XXXX of your most advertised and valuable perks from a credit card with an annual fee, the compensation to the customers needs to be relevant and in line with changes in product. I am also not happy to see no uniformity in giving customers compensation.
I made a purchase in the amount of {$33.00} using my Citi Costco credit card. They billed me {$34.00}. I suspect they are adding small amounts to bills and hoping the additions wo n't be noticed by the consumers. I called the credit card company and got XXXX in Maryland and he put me on hold and never came back.
On XX/XX/XXXX i received a bill from XXXX stating i owed them a phone bill in the amount of XXXX. I asked them what the charges were, they mentioned it was for non returned equipment and for contract cancellation charges. I mentioned to them that the sales person at the XXXX NH XXXX XXXX on XXXX XXXX told me that i did not have to return the phone, i went in there due to my phone was broken and the sales person told me i was eligible for an upgrade so instead of paying the charges for the insurance i could get a free phone. I agreed to the transaction, when the transaction was completed i then asked the sales person to take the old phone he then told me that i did not have to return the phone i could keep it as a spare or throw it away. So i did not return it based on the trusting words from the salesperson. He worked there they trusted him to wait on customers and to guide them so i went with his suggestion of just keeping the phone. During that time i had given the phone to my daughter which she had lost, i then called and spoke to the Manager and he said that there was no one there that would give that advice. I was then very frustrated after receiving this large amount refusing to pay it to due the sales mans instructions. I contacted customer service and they did not comply so i told them to cancel my account and i was not paying them for cancellation fees or non returned equipment due to how i was mis-informed they then proceeded to bill me. So i have been disputing and disputing and had to luck. I then on XX/XX/XXXX sent them a letter to the collection agency XXXX XXXX XXXX located in XXXX WA asking for verification bearing my signature stating i had a financial obligation the them, they complied within the 30 days with a bill that was already in my possesion not bearing my signature of any contractural obligations regarding my signature that i have ever signed with them. I then sent them another letter on XX/XX/XXXX letting them know they failed to provide me with a copy of any viable evidence bearing my signature which they did not respond. I then contacted them via mail on XX/XX/XXXX and still no response to my request
MY LAST LETTER TO EXPERIAN WAS WRITTEN ON XXXX XXXX, 2016. I HAVE NOT HEARD BACK FROM THEM. THEY NEED TO CORRECT MY PAYMENT HISTORY WITH THE XXXX CREDIT CARDS PER THE ATTACHED LETTER.
I have a 15 year term 4 % simple interest mortgage loan with Citizens Bank that initiated XX/XX/XXXX. I always paid the monthly loan payments early, frequently by more than a week or so. Until XX/XX/XXXX, the bank provided payment coupons that did not itemize how the payment was applied- interest vs principal. This year, Citizens Bank began providing monthly statements providing a breakdown of interest vs principal. Recently, I happened to review and calculate the bank 's breakdown of interest vs principal on a current monthly statement. I found that the bank had erroneously calculated the breakdown, applying more of the payment to interest ( about {$40.00} or so if my recollection is accurate ) and a correspondingly lesser amount to principal, thus erroneouly overstating the principal balance due after payment was applied. I then went back and reviewed the other statements for this year and found that they all contained erroneous calculations of interest. I contacted the bank, and was told by a representative to " put a sticky note '' on the statement when paying, disputing their calculation. Finding this resolution unacceptable, I asked to speak with a supervisor. A supervisor reviewed the statement and had no explanation for the improper calculations of interest vs principal. I asked for a review of my account and that the bank send me a print out of my payments and their calculations. Because this is a " simple interest '' mortgage product, the fact that I would always pay the mortgage payment early, usually substantially so, would result in a payoff sooner than 180 months. It appears that Citizens Bank has been recalculating the interest/principal apportionment to insure that the final payment is not reached until the full 180 month term. I have not received the promised follow up by the bank. I would very much appreciate your investigatingthe bank 's activity re account. In a follow up communication, I can scan in and provide you with copies of the erroneous statements. Citizens Bank 's conduct appears unfair, deceptive and abusive and a violation of the Act. Thank you for whatever assistance you can provide.
DEAR CFPB, this company CREDIT ACCEPTANCE, HAS CHARGED ME A XXXX LATE FEE EVERYTIME A PAYMENT WAS MADE FOR THE ENTIRE LOAN, THIS IS ILLEGAL AND WRONG, PLEASE HELP ME GET THIS REFUNDED TO ME ASAP, THIS GAS ALREADY BEEN TURNED INTO THE ATTORNEY GENERAL, THEY ARE NOT WILLING TO GIVE THIS MONEY BACK, WILL YOU HELP ME ASAP,30xXXXX-XXXX, PLESAE HELP ME GET THIS AND MY CAR TITLE TODAY?