WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was transferred from Mohela to  XXXX   XXXX   XXXX . I always question why at Mohela my principal would never go down even when I paid upto {$100.00} more? Then when it was transferred I had the same problem with  XXXX . I made several inquires but was told that interest was satisfied first they would go around and around about I have a 25 year loan and I must pay fro 25 years. I told them that this was a simple interest loan and why was the overage in my payments going to principal? They told me they just pay ahead interest because it is a 25 year loan. They do this to all student loans. This is not right as all student loans are simple interest as with mine as they must follow certain guidelines set forth by the Department of education. As with my loan it states I can pay as much as I want over the minimum payment and this will reduce the length of my loan as overage of my minimum payment will go to principal including no pre-payment penalty I believe this practice is on going with in both Mohela and  XXXX   XXXX   XXXX  in fact I believe they train their customer service agents to convince all borrowers that all we can do is pay ahead  interest. If 100,000 's  of student are experiencing what I have these is so dishonest that student will never get ahead and be able to pay off debt.
I was contacted via telephone XXXX of Recovery Management Services that I was in debt {$4900.00}. I disputed the amount and wrote a letter to the company asking for verification and sent it Certified Return Reciept Requested on XXXX XXXX, 2015. I wrote another letter asking them to cease and desist further attempts to contact me which was sent same method on same day. I got my return reciept back with signature XXXX as recipient on XXXX XXXX, 2015. I am still receiving calls which I let ring and I got a notice in the mail that they are now willing to negotaite to settle but still have not proved I owe the amount they are trying to collect.
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$640.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : XXXX XXXX XXXX XXXX Tv was taken off my credit once ) XXXX. When I XXXX came to XXXX we lived in XXXX at XXXX XXXX XXXX south XXXX. This company is a scam fest. I had XXXX XXXX but was always paid on time. If they would have checked my original drivers license they would see that my XXXX XXXX had my XXXX drivers license on it because we bought a car XXXX XXXX new ) and used the XXXX address on the license. If the would have checked the XXXX they would have seen that. Our port of entry was XXXX XXXX and is why we were there. We stayed at my XXXX house XXXX XXXX XXXX for XXXX weeks before I got license and then could travel. 
I have paid all my bills on time and these people are XXXX that just threaten your credit to make you give them money. 
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Creditor : XXXX XXXX. 






Address Identification Number : XXXX : Collection account. {$640.00} past due as of XXXX XXXX. 



Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 





Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : IndividualCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX have lived in XXXX since the end of XXXX and do not appreciate their slandering meCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX XXXX History : Collection as of XXXX XXXX
I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.
Company in XXXX with the number registered as XXXX called my phone multiple times per day, eventually I was forced to answer. Silence for several seconds, then I was confronted by an XXXX man who refused to tell me who he was or why he was calling until I confirmed who I was. I confirmed, and he then told me he was with American Medical Collection, calling about a debt of {$72.00} XXXX. To my knowledge, I have no current outstanding medical debt, and my medical insurance has never contracted with these people before. Told him to call back later, at which time he offered me a one-time exemption where I could pay a flat {$50.00} XXXX to resolve the debt on the phone, right then and there. I told him no, he promised to call back later. 

I will be blocking this number, and apparently this company has been investigated and sued before for aggressive calling tactics. So, just a heads up, these people are still engaging in these tactics.
I have been trying to save my home from foreclosure since XXXX. I have a mortgage with a small local lender in my city. In XXXX, XXXX I begun experiencing hardships due to loss of employment and XXXX. I went to my mortgagor hoping to get some sort of relief, maybe a loan modification or forbearance agreement, anything! Long story short, I have completed XXXX loan mod applications, submitted all necessary documentation over and over and over again, made payments for as long as I possibly could and received NO help from my lender Mortgage Clearing. I also have a fixed rate, but every year the note on my home has gone up. My mortgage payments originally were {$700.00} plus, my mortgage payment is now XXXX plus monthly. I have never been approved for a loan mod or any other help. I have had a number of people at the loan company tell me that they will get back to me, that they lost my paperwork, that I 'm next in line for review or that they will call me back, but somehow my call is never returned. XXXX years I 've been given the runaround and Mortgage clearing serves foreclosure papers to a non-resident of my home. Again, three years I 've been making payments to the best of my ability and as soon as I fall XXXX months behind on my mortgage they foreclose on my home, no questions or help provided. I NEVER received any documents in the mail pertaining to the status of my foreclosure until recently. I received a letter advising me that summary judgement has been granted against me. I 'm baffled, I 'm in no position to move from my home, not only am I taking care of my elderly mother who resides with me, but I just knew that I was here to stay! This is my dream home. A very modest yet perfect for me home where I spend time with my children and grandchildren. I have a XXXX garden and a XXXX garden that I created for my XXXX sister. This home is more than just a house to me and my family, its what I 've striven for my entire life. It 's what I plan to leave to my children one day. I need help saving my home, I truly do n't feel that I 've been given a fair opportunity. I 'm employed and just need the opportunity get back on my feet and do right by my lender. Thank you for your time!!! I sure hope CFPB can help me save my home!!!
I made a dispute with XXXX and Trans Union regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX XXXX 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.
I had someone commit fraud trying to open an account with XXXX ( Chase Bank ). 
Once on XX/XX/XXXX then on XX/XX/XXXX. 
I called Chase, they said that they would rectify the situation but nothing was done. 
I put a fraud alert on my accounts. 
I filed a complaint id with CFPB on XX/XX/XXXX ( XXXX ). Your office immediately contacted me and said that they spoke with Chase and it would be taken care of. 
NOW ON XX/XX/XXXX, I again had someone attempt to open an account with Chase Bank via XXXX and again it was denied but now on my Credit Report it shows XXXX hard inquires with Chase! 
Today I received a " kit '' from Chase on identify theft with cc to you, Consumer Financial Protection Bureau : Complaint XXXX. 
Obviously, Chase is NOT doing their job as again I got another hard inquiry. What is wrong with this picture! 
I put a credit freeze on my credit reports but obviously it did not work!
I mailed a letter to Diversified Consultants on XX/XX/2016 requesting more information pertaining to an account on my credit report. I got no response. On XXXX XXXX, 2016 I mailed another letter certified requesting documentation and again and still to this day, I 've received nothing from them. I am unaware of this supposed debt they are reporting on my credit report and per FDCPA they are required to provide documentation in order to validate what it is they are reporting. They have ignored both of my request and they account needs to be removed.
This company has unlawfully and negligently listed a medical debt through XXXX XXXX XXXX for {$50.00} without sending me the Florida and federal legally mandated required notice of assignment giving me the 30-day right to dispute. This company has a history as listed with the XXXX XXXX XXXX of listing debts without following Florida law. The law that I'm representing is Florida statute 559.715, which states that any debt collector must within 5 days of receiving it as a debt send out a letter to a debtor letting them know that they have 30 days in which to dispute the validity of the debt before any lawful collections can occur. By this company listing the debt on my XXXX credit report, they have engaged in the collection of a debt without following either the Florida consumer collections protection act or the fair debt collection practices Act. my rights under state and federal law have been violated. This company operates as collection information Bureau and also as XXXX XXXX XXXX.
My credit score was decreased by XXXX due to a medical bill collection being added to my credit in the amount of XXXX which is a dead I do not believe I owe company did not verify it haven't been to any emergency rooms in XXXX Texas
lexis nexus is report an address and five claims that dont belong to me i never lived in ohio or had an ohio address these claims are not mind they said to contact the insurers and i did and they told me to contact lexus nexus i have a fl license never had an ohio one
I received a call on my phone from phone number ( XXXX ) XXXX, asking for my son, by name, from a guy identifying himself as " XXXX XXXX '' and that he was a representative in the " Mortgage Loan Department '' of XXXX XXXX Bank. I asked him what the call was about and he said he wanted to talk to my son about a problem with his mortgage at, and he identified my home address. My son is not now, nor has he ever been, on either title or the loan on my home. My son is a XXXX yr old full time college student and XXXX XXXX. I advised him that my son was " not home '' but that i might be able to help him as I am a co-mortgagor on the property. He apologized for not being able to see any of my information in his " records '' but wanted my email address so that he could send me the " legal email '' he needed to send me before he could talk to me. I asked what was the issue he needed to talk about and he said that the house was in " serious jeopardy '' due to all of the " back taxes and insurance that has n't been paid. '' At this point I told him ( in very colorful language ) that I was n't aware of any of that but that I was aware of the fact that he was nothing more than a fraud. He responded that I was being recorded and I advised him that I was very glad of that so whoever was recording would have a record of just what a XXXX XXXX he was. He responded in kind and promptly hung up. Out of curiosity, I re-dialed the number that had just called me and was semi-surprised to hear, " Thank You for calling DiTech Mortgage. '' I 'm not sure exactly what this XXXX was calling about and phishing for, but I do know it was nothing legal.
I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.
This finance company keeps repeatly calling me at work even though I have told them I can not receive phone calls on my job and to please stop.
On XXXX XXXX my home was a total loss due to fire ditech ( green tree ) has continually harassed me with foreclose notices, giving me wrong payoff amounts, charging me wrong inflated amounts, now they are holding my overage money for 30 days so they can collect interest on it form there banks my family has no where to live and no food nothing!!! These people are Complete CROOKS!!! They need to be stopped they have been sued before they need to be shut down NOW!! Please help they are stealing from me left and right please stop them if there are any class actions against them please let me know, each person that works for them are JUST as guilty and need to be held accountable.
Wells Fargo is showing one late payment on my account for XX/XX/XXXX but I closed account in XX/XX/XXXX, which was paid in full also. Well Fargo account was open since XX/XX/XXXX and was always in good standing. I currently have another Wells Fargo credit card since XX/XX/XXXX, that has always been in good standing also, but is considering closing this account due to improper damage to my credit history because of the late payment reporting on the previous card.
Received notification on Saturday, XX/XX/XXXX that read : " YOUR STUDENT LOAN IS ABOUT TO DEFAULT! 
WE CAN HELP! 
CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. 

Contact us today so that we can help you avoid the serious consequences of defaulting on your student loan ( s ). 

If you are unable to make a payment, there may be options to bring your account ( s ) current as soon as today! Once current, we can explore repayment plan options to help you stay current. Calling our expert loan counselors today is the fastest and easiest way to resolve this delinquency. 

If you don't take action and your loan ( s ) default the balance will become due in full. You risk having a portion of your paychecks garnished and your future federal tax refunds withheld and automatically applied to the balance of your defaulted loan ( s ) until paid in full. On top of this, collection fees can be assessed increasing your balance as much as 15 %! 

Take action now so we can help you remain in control of how your student loan ( s ) is paid. As  mentioned above, once your account is current, we can look into repayment plans that will help make your student loan payment ( s ) affordable for the long term. 

PLEASE CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. WE WANT TO HELP! 

You can also contact us via email at XXXX or via our website mygreatlakes.org. '' When I contacted the new loan holder ( AES ) on XX/XX/2018 they showed by account in good standing/current as of XX/XX/2018. 

I called XXXX XXXX on XX/XX/2018 to inquire about why I was receiving delinquency notices when the account was up to date but they claimed they could not change anything until they received the information from AES. 

I called AES on XX/XX/2018 who confirmed my account was in good standing and told me XXXX XXXX has all the information regarding my account and was unsure why they were sending me deliquency notifications.
We have gotten behind in our Mortgage a few times in 27 years because of XXXX XXXX or loss of work, me after 16 years, my husband has been at his job for 35 years. CitiMortgage has stole our money, at one point we owed {$6000.00}, but had to pay {$12000.00}, My husbands XXXX gone {$100000.00}, so now XXXX says we owe {$190000.00}. I now work XXXX jobs, paying {$1600.00} a month. Forced to file Chapter XXXX bankruptcy to avoid foreclosure, I have fought so hard to keep our home, its wrong and unjust.
I checked my credit report XX/XX/XXXX which I have file three disputes and I disputed 18 inquires that was not authorized by me for credit due to ID theft .Which I provided credit bureau proof. I have not heard back from bureau yet. 

Inquiry Date 1XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8XXXX XXXX   XXXX XX/XX/XXXX 9 ; XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX 14 XXXX XX/XX/XXXX 15 XXXX XXXX XXXX XX/XX/XXXX 16.XXXX/XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
I have been contacted by a credit card issuer that I have had a card in good standing since XX/XX/2005. They are asking what I feel are personal questions such as " Are you a US citizen? ". This question as with the others questions were answered when opening the account and I feel they are intrusive and unnecessary for me to continue using the card. They write " Please respond right away. Otherwise, we may be required to restrict or close your account. '' Is this legal?
Hi I've contacted NMAC regarding my payment. I've made them aware of the government shutdown effect and have not worked for the past 3 almost 4 weeks. I paid the amount owed for XX/XX/XXXX but somehow hasn't gone through because I haven't received any payments since XX/XX/XXXX. I asked if anything can be forgive being the government shutdown. They mentioned they do not participate in the shutdown and needed to make a payment immediately. I asked if 30 days could be waived because this will effect my credit tremendously, they told the arent able to waive anything and a supervisor told me to contact the three credit bureaus. I contacted all three and they told me it's the creditor obligation to update not the credit bureau. I just want to have some sort of leverage as I've and 800k workers have been effected for this silly shutdown. I would like if they can allow at least an 30 day waiver for XX/XX/XXXX. I will set up automatic payments moving forward. I am desperate
My boyfriend received a call from Esser James and Assoc. stating that they were trying to collect on a debt I owed them. He went into detail on when I last paid this supposed debt. My boyfriend got the info and called me right away. " XXXX XXXX @ XXXX ''. I called the number but XXXX XXXX was in a meeting. The guy that answered pulled up my account # XXXX. He explained how I needed to pay the debt owed and when I questioned who he was he stated " his clients would get paid regardless and I would be paying thousands in legal fees '' I stated I wanted something mailed to my address and told him I had never heard of this company and that I have my credit monitored and there is nothing on my account by this name.He laughed at me and said " lady either was you'r going to have to pay you either work with me or suffer the consequences. I told him I was n't going to be intimidated and he said if I felt I was being intimidated why do n't I hang up. So I did. This company is harassing friends and associates of mine claiming to know all these details about me and I need to know how to stop them. I did have bad debts but they 've since been paid and as I mentioned I do credit monitoring now as a result. Please advise how I can get them to stop calling me or at least prove they 're legitimate.
OnXX/XX/XXXX I was charged {$1800.00}, which was not posted until XX/XX/XXXX on my credit card. This charge was not without my authorization, and since then I have been trying to get the credit card company ( Chase ) to dispute this billing. After numerous attempts and sending what Chase asked for in terms of documentation, Chase still has not resolved this billing dispute issue and keeps closing files on this dispute.
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.
I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency XXXX XXXX  continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
XXXX XXXX has now placed this debt that is not mine into a different debt collection company that is negatively impacting my credit score. I informed them multiple times that this is not my debt! I have been trying to get this sorted out since 2012 and XXXX XXXX fails to take action, claiming this debt that is n't mine and placing on my credit history. I do n't understand how this is even legal.
I signed up for a trial subscription with XXXX ( experian ) in XX/XX/XXXX. It was {$1.00} for the first seven days and then {$32.00} monthly after that. I have tried to cancel it several times unsuccesfully. When you try online they tell you you need to call. When you call they tell you the wait will be at least an hour and you will probably get cut off during that hour. I have now paid in over {$150.00} for a service that I don't use.
Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
I noticed XXXX debit entries with the names XXXX AND XXXX for {$19.00} each, which I did not request on my XXXX XXXX statement. I contacted Chase 's customer service to report it. The associate I talked with indicated that he will look into it. But when I checked my XXXX XXXX statement, I found that the XXXX entries were again on the XXXX statement. Hence, I decided to check previous months only to discover that the XXXX entries started as far back as XXXX XXXX. Because of this discovery, I decided to check my XXXX statements only to find that I was being charged between {$25.00} to {$35.00} every month, even when I was paying the monthly due amounts on the XXXX of every month.