WillisBack/dataset-financial-user-claim huggingface dataset:
I had a checking account with Regions Bank XXXX for many years. I moved XXXX XXXX XXXX, XXXX. Shortly after my arrival XXXX I closed the Regions Bank account, but not before making sure there was nothing oustanding -- there was a zero ( XXXX ) balance. 

About 6 weeks ago, approx. 1 and 1/2 years after I closed the Regions Bank account, I receive a phonecall from a collection agency saying they are trying to collect a debt I owe to Regions Bank, as a result of closing the Regions Bank checking account. In the 1 and 1/2 years since I moved, and closed that account, I have " never '' received any type of notice from Regions Bank saying that I have a debt with them. I received all of my " forwarded mail '' from every other company I did business with XXXX but never Regions Bank. In fact I am quite sure I gave them my new address upon closing that account, and still, I never recieved anything hinting that I owed them a balance on the closed checking account. 

While speaking with the collection agency rep., I asked her to provide proof that I owe Regions Bank money. I have never received that proof -- nothing. I also asked if this " debt '' was reported to the credit bureau by Regions Bank or the collection agency. I have never received an answer to that question either. 

So, approximately 6 weeks after I recieve the phonecall from the collection agency ( the first communication regarding a debt owed Regions Bank since XXXX ), I receive the first paper bill offering vague details about this alleged debt. I have attached/included a copy of the bill/notice I received by mail XXXX XXXX, XXXX. 

I owe Regions Bank {$0.00}. I was quite careful when closing that account and closed it with a {$0.00} balance.I will not pay this bogus bill -- I will not have this {$22.00} extorted from me. 

Regions Bank needs to notify me that this bill was a mistake, that the collection agency will not harass me again over a bogus bill, and that this does not appear on my credit report. Period.
I attended XXXX XXXX XXXX XXXX in ( XX/XX/XXXX - XX/XX/XXXX) to better my life and further my education, they told me that once I finish the program I would be able to go to another College, Career Center, or University with the diploma, GPA, and credits, and ; they would place us into a work place that is in the same field. I attended the school and finished the program with flying colors, and a high GPA. Once I finished school I started looking for work which I couldnt obtain because I didnt have the credentials for entry level, when I called XXXX offices they said they would find me work and a College or University to attend, months went by and they never found anything for me. So I took it upon myself to look around for more schools I could further my education with, so I called several Schools including XXXX College, XXXX, XXXX XXXX, XXXX XXXX, XXXX University, and XXXX XXXX, and ; they told me that, the diploma I have is worth nothing at all and I basically wasted my time, so I headed back to the campus and when I arrived the building was closed the sign was removed, it was an empty building so I headed to the campus in XXXX, when I got there, the office was so rude and never helped me with my problem, Ive looked around for help and I have found none. I am very disappointed with the whole situation because I have to pay back the money that was stolen from me for school, I shouldnt have to pay for something I got scammed, lied too, and misled. I now get calls from debt collectors and they are harassing me for the money that got stolen from me by XXXX XXXX XXXX in fraud. I did some research and found out that I wasnt the only person it happened too across the nation and that XXXX was under investigation for false information, fraud, etc ... Proof enclosed in the email
Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.
I have have repeatedly requested Portfolio Recovery Assc to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. XXXX XXXX XXXX  charged off the account of XX/XX/XXXX but neither XXXX XXXX XXXX   or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed Portfolio Recovery ASSC recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that Portfolio Recovery reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records
I received a letter from CCB Credit services trying to collect {$130.00} from a creditor XXXX XXXX XXXX I do n't know the company File # XXXX Account # XXXX
Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. 
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. 
Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. 
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.
Became XXXX called Wells Fargo for advice was told I 'd be able to get my mortgage payment down and a call after I paid it off or pay what I could I emptied out my 401 ( k ) paid off XXXX % of it was left with a small balance of {$11000.00} and they would not readjust the mortgage so I was paying less which put me in a big bind .they now refuse to lower my payment stating that the person who owed owns my mortgage one allow that after-the-fact I was told this is way too late for that
We had mailed our mortgage payment well over two weeks prior to the due date. However they never cashed the check so we called and made a payment plus the fee for paying over the phone. Because they had not recieved the check. However the next day they cashed our check. When we called them and asked why this happened they said that it was in pending when we had called yesterday. We requested that we get a refund for one of the payments we have bills that need to be paid. They said they can refund it it with a written request. So we faxed the request immediately over and were expecting to recieve our refund in 3 to 5 buisness days. We never recieved a check. Now our mortgage is due again we called asking when our check would come in mail because we are mailing the XXXX 2016 check today. They responded that the extra payment was applied to principal that they never recieved our written request. Yet our fax machine sends a confirmation when a fax goes through. Now we also found out that they have not been sending the appropriate amount due it was not showing the money needes in escrow. The ethics of this company does not seem to exist. Sadly we are only on month two of our 30 year loan.
I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different.
XXXX XXXX XXXX. 
XXXX No longer has the debt as I contacted the Federal Trade Commission because I received charges for something I didnt do. They no longer have the debt as they returned it to XXXX who no longer has records of the account but DCI refuses to send me a letter, email or fax to confirm that they no longer have the account.
I agreed to settle this account for a specific amount. They sent an email confirming the settlement. They agreed to send me a letter confirming the settlement after payment was received to the credit reporting agencies and myself. 

I met all the conditions but they now do not take my calls, emails and the credit reporting agencies have not been notified. 

The company involved : Resocore Asset Management XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Representative : XXXX XXXX XXXX XXXXXXXXXXXX Thank you XXXX XXXX
Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.
My monthly payments ( income based ) were doubled XXXX without my income doubling. I was already barely able to afford my current payments and needless to say this was becoming a XXXX financially threatening our young family ( we have XXXX young kids ). After contacting Navient multiple times both via phone and their portal I inquired as to how this was happening and what my options were. I was given no solutions or explanations via the portal ( all of this is documented ) and the only solution given via one phone call was forbearance. This is not a long-term strategy but given the circumstances and attempting 3 months of these unreasonable payments my husband and I decided for forbearance for 12 months. I had also asked for the calculation that lead them to this amount given that I was possibly eligible for extra income ( bonuses ) and this could further threaten our payments yet again no answer was provided and I could not make an educated decision about certain financial items. The income based repayment program appears random at this point and that Navient was unable to provide the calculation used to determine my monthly payments suggests the randomness and does not allow consumers to make educated decisions.
We are part of the devastation that hit Louisiana in the flood of XX/XX/2016. Our house received 56 inches of water. We have requested a second draw from Gateway Mortgage Group and they had and inspector come out and saiy that we are at 1 % repair. Gateway says they can not release anymore money until we are at 50 % complete. The money they sent us, {$25000.00}, was used to buy materials : demo supplies and tools, windows, insulation, electrical materials, sheet rock and finishing supplies, primer and paint, flooring, and hire contractors to complete repairs on plumbing, electrical, insulation, sheetrock, painters, window hangers. Luckily I am able to do flooring and a few other repairs to save money. I have exhausted all of my financial resources trying to recover the loss of 5 vehicles, and over 50,000 dollars of household contents where we only received XXXX for that. My wife and XXXX teenage children have lived in one room and a shell of a house for 4 months. We are now fighting to repair our home with 30 % of the repair money and not able to get the anymore until we are at 50 % complete. Do the math : We are in financial ruin. I can not even go and buy groceries this week. Help us please.The phone number I have for Gateway Mortgage Group is XXXX. Thank you.
I agreed to a settlemen t with Ditech a nd paid it in full. Payment was received on  XXXX / XXXX /17. It is now 85 days later and they have not released the lien. I have called once or twice a week since it was paid. The state of Massachus etts, Chapter 63 of the Acts of 2006 give them 45 days to release. I gave them double this time and still nothing has been recorded. I have been telling Ditech for years that they never reassigned the loan, and now they are trying to say that is new news and they are working on it  but it should not take 85 days and counting.  XXXX  also did not send me an official payoff statement that references this loan or has the language that the law stated above said I should receive, even though I sent them the documentation on this law  XXXX   XXXX .
THIS IS AN ATTACHMENT OF ADDITIONAL EVIDENCE OF THIS COMPANY 'S INJURY TO MY ENTITY BASED UPON THEIR INACCURATE AND INCORRECT REPORTING. 
MY INITIAL COMPLAINT REGARDING THIS ISSUE IS DETAILED IN REPORT NUMBER XXXX OF CFPB FILING PURSUANT TO FCRA.
nationstar dba mr. cooper has declined doing a hardship medical modification because we had one for same reason 12 months ago. they have been very uncoperatuve. dealing only with a call center person XXXX XXXX who says a lot of people have medicll issues. this mortgage is my wifes name she is recovering trying to from XXXX XXXX  I am her husband of XXXX yrs XXXX  vet and getting treated after you have paid mortgage for over 15 years. is wrong I had to quit work to take care of wife the judge state flordia said that was great. I need someone to contact natonstat you ony can fax these people you canot call. please help us wife in dr. XXXX hospital now.i
Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with American Express Centurian Bank first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing American Express, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the OC, American Express assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to American Express, either by insurance or the IRS & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights Consent to publish the description of what happened?
I have been actively trying to rebuild my credit for the past 3 years and now my credit is shot. This is a CitiBank Credit Card via The Home Depot. I was making monthly payments of {$130.00} on a balance of {$10000.00}. On my XXXX/XXXX/2015 XXXX, {$6100.00} interest was suddenly added to my balance for a total of {$16000.00} and a minimum payment of {$700.00}. The added interest charge surge has put this account {$5400.00} over my credit limit and I can not possibly afford the new higher payment. As a result of the high over limit amount and late payment status, my credit score has dropped from XXXX to XXXX.
XX/XX/ 2017 I received a letter form Citi Bank - XXXX XXXX XXXX, XXXX XXXX, SD- XXXX stating I was turned down for a credit card with them. 
Due to the XXXX Report " You have filed for bankruptcy and your previous account ( s ) with us was included in that filing.

I have never had a bankruptcy and never a card with them. I also pulled up my credit file with XXXX and it does not reflect anything, that their letter states.XXXXNow, I have been denied credit and it is a hard inquiry on my report. 
I tried calling the company and no one will help me, says to contact XXXX.
I have applied for Public Service Loan Forgiveness ( PSLF ) Program. I have been making payments since XX/XX/2015 with the understanding that I was making qualifying payments towards the 120 payments needed to forgive the loan. According to my account with the XXXX XXXX XXXX I have only made 7 qualifying payments. I believe this to be false. I have been paying my loan regularly and on time and feel I should be credited with at least 34 qualifying payments. The XXXX XXXX XXXX does not make it clear how many qualifying payments I have made. I have followed the protocol for re-certifying employment and an income driven repayment plan.
The supervisor assigned to my account, XXXX XXXX, has not returned any of my calls. I have left a message for her at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The underwriter is refusing to accept my hardship application and saying the income can not be verified. My husband and I separated late last year and he moved into a rental home I had that was vacant. We have since reconciled and found a tenant who currently lives there and they are saying there is conflicting information. I have provided a letter of explanation, bank statements showing the tenants deposit, a new lease agreement and copies of her checks with her name and the address on it. They are making no effort to help me and will not return my phone calls.
I was surprised when I was looking over my credit report. I found a late payment for the following date : XX/XX/2018. 
I don't know how this has happened. I feel I have made my payments to you when I got my statements. My only thought is that my statement never actually got to me.
Nissan Motor Acceptance Corporation ( " NMAC '' ) incorrectly reported a 30-day late payment to Experian credit reporting agency for XX/XX/2015. This error of late payment is reflected on my credit report and has unjustly affected my " Fico Score XXXX '' credit score. Upon learning about this incorrect reporting, I spoke with XXXX NMAC Representatives ( XXXX and her supervisor XXXX ) on Thursday, XXXX XXXX, 2015. Both representatives referenced the account and insisted that the payment was received 30 days late. This is not correct. The payment was due XXXX XXXX, 2015 - the payment was received by NMAC on XXXX XXXX, 2015 as evidenced by the attached screenshot from my online account with them. ( If needed, I can also supply my bank statement record evidencing XXXX XXXX, 2015 as the date the amount was debited from my account. ) XXXX XXXX, 2015 was within 30 days of the due date of XXXX XXXX, 2015 but NMAC is reporting it as 30+ days late on my credit report -- this credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ). Accordingly, I am requesting that the matter be corrected by NMAC immediately removing the disputed information from my credit report. 

In addition to the debit from my account having occurred on XXXX XXXX, I would also like it to be noted that a technical error by NMAC was the only reason the payment was made on XXXX XXXX instead of the original due date of XXXX XXXX. NMAC regularly has " technical difficulties '' with their phone and online payment systems. Ironically, I experienced technical difficulties when attempting to contact customer service in regard to this very dispute on XXXX XXXX, 2015 -- I tried to reach NMAC at least a dozen times on XXXX XXXX, 2015 via telephone and each time was placed on hold for a few moments before being informed of " technical difficulties '' and then being automatically disconnected -- I was not able to reach anyone at NMAC until the following day. 

The more important technical difficulty here, however, occurred on XXXX XXXX, 2015. When I made my lease payment on XXXX XXXX, 2015 I did so over the phone and thought it was taken care of. After making the payment I was not given any notice of error through the phone system, nor did I receive any calls, emails, or written correspondence in the days following it to alert me of this allegedly missed payment. It was not until XXXX XXXX, 2015 when I logged into my NMAC account online to make my XXXX, 2015 payment that I saw the XX/XX/XXXX phone payment had not been received. I immediately corrected the problem -- XXXX XXXX, 2015 was when the payment was made. I have evidenced this with the attached screen shot from NMAC 's own records. This payment on XXXX XXXX, 2015 was within the 30 day period of the XXXX XXXX, 2015 due date -- to report it as 30+ days late on my credit report is incorrect, unjust, and a bad business practice in violation of the Fair Credit Reporting Act. I respectfully request that you contact XXXX ( and any other credit agency to which you regularly report ) and correct it immediately and send me written correspondence confirming that said action has been taken.
I have been trying for years to modify an excessively high interest mortgage loan will Wells Fargo Bank, 7.4 %, however, the bank is a predatory lender and will not modify the loan on a permanent basis. I became ill and was unable to work for 2 years. I was forced to move in with my mother and rent my home for {$2400.00} a month which did not cover the mortgage of {$3900.00}. My mother paid the difference. I returned to work last month, XXXX 2017, and immediately started the modification process. My income dropped by over 50 % and I was told by Wells Fargo representative that I should qualify for the modification due to my circumstances. 
I was advised yesterday, XX/XX/XXXX, that Wells Fargo could not reduce my monthly payment. 
I contacted Wells Fargo executive office who provided details of the denial saying my income is not high enough for a " piggyback " approach. 
Again, Wells Fargo is trying to capitalize on their customer 's hardship. My home has equity and they offered a short sale which would benefit the bank. Please help, they are absolutely the worst lender. XXXX