WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a pay day loan with a lender and paid XXXX or XXXX payments then found that I was unable to make the remaining payments as planned due to medical and family hardship. The total paid was approximately half of what they loaned me. I sought direction from a debt management company who is representing me on my behalf and notified the original lender. The original lender did not contact the debt management company to discuss options and sold my account to a XXXX party, XXXX XXXX, who calls me at my place of business and on my cell repeatedly. I asked if this debt collector was informed that their client was notified by the XXXX company and they said they were not aware. I have returned calls to them on several occasions as they threaten to serve me with papers at my place of employment ( stating this is the only place they can do so ), filing fraud charges against my employer ( who has nothing to do with my loan ), filing fraud charges against my bank ( who again has nothing to do with my loan ), wage garnishment, they tell me it is my last notification then call a couple days later and use another threat tactic and start the notification process over, etc. They provide me with a docket number for the county court and I 've checked with the court and they state they have no such numbers on file for cases. Also, they do not identify themselves, they do not provide me with the loan company unless I persist, and they will not accept what I can pay, they want more than I can pay in an arrangement. I never received anything in writing. On one call, I asked who what the company name was and where they were located and he got angry, called me something unkind and hung up on me. Should n't they have attempted to contact me in writing? And should n't I have all of their contact information to provide to my XXXX company in case something can be settled? I 've researched their phone number online and see that they use these tactics all the time. I told them that my XXXX will do business with the original loan company and to have them call but they said it is too late. I 'm not trying to get out of paying anyone back, but these payday loan companies do n't want to take reasonable settlements and if I lose my job because of these phone calls and their methods than I wo n't be able to pay them at all which is what I told them last time I spoke with them. A claims investigator named XXXX XXXX keeps leaving me the messages. I 've also gotten recorded messages from a XXXX XXXX, do n't know if she is even real as when you call she 's not available. The message does not give their name, just threatens legal action if I do n't call them back and their number. Last time I called them, they called me back and started telling me how the XXXX company was taking money from me and not helping me. If I could set them up with consumer credit counseling I would but payday loan companies wo n't work with them. I have more than XXXX pay day loan which is why I am using the XXXX company to help me settle these loans.
I have been making automatic re-payments to XXXX loan held by Navient ( XXXX XXXX ) since early XX/XX/2014 on an agreed day between myself and a representative from the company, all of which have been reported as late payments to the credit bureau. I would also like to report that XXXX/Navient has not been sending the requested monthly paper records, documenting my continued payments as per our agreement. I have tried to reach out to them but as usual their over the phone personal have maintained a hostile manner.
My issues with Citizens Bank are numerous. ( 1 ) The bank failed to close on a timely basis despite having 29 days of lead time and confirming both orally and in writing that they would be able to meet the closing deadline. ( 2 ) The bank refused to pay the costs incurred for failing to meet the closing deadline. ( 3 ) The bank failed to live up to its offer to reduce the interest rate by 1/8 % if I opened a XXXX Checking account.
It is getting absolutely ridiculous how high my monthly payments are even on income repayment plan. It makes it difficult to pay other monthly bills ( mortgage, insurance, etc. ). My student loan debt has grown to over {$45000.00} from my original loan due to accrued interest and another interest language they have told me. It is very scary, I 'm going to be paying to who knows how long and most likely when I will be putting my children ( once I have them ) through school. How is that supposed to work??? Something has to change. Attached my monthly statements, yes plural. I have XXXX that amount to {$700.00} a month!!!!!! I
I made a payment of {$50.00} on  XXXX   XXXX  but I saw another transaction leave my account for the same amount on  XXXX   XXXX . I have not made an additional payment. I called about this transaction and they claimed that I made a payment online at  XXXX  EST on the  XXXX . I made no such payment and was asleep at that time. They claimed that I made the payment but that they would refund it to me today. It has not been refunded at this time and it is past business hours which means it should have been refunded by now. I did not make this payment and I am fearful to make future payments to this company because of this occurrence. I do not trust them with my information. It  is Receivable Management Group ( RMG Collection s )
Portfolio Recovery Associates reported a XXXX XXXX Account which they bought from XXXX XXXX to the credit bureau as not settled. I am making monthly payments to PRA since XXXX 2015 after acknowledging to them that this was indeed my account. I checked my XXXX credit report and saw a collections by PRA showing as not settled. Why would you report this to a credit bureau when I was not late on my payments. In fact you get it right away because my bank sends this electronically to you. As of today, XXXX XXXX, 2015 the full amount of {$34.00} has been electronically sent to PRA by my bank and this is the final and last payment per our agreement. I want PRA to remove that record in my credit report as not settled for {$35.00} which is not only the correct amount but false information. You made it appear that I was not making payments to you for this account. and I am asking you to remove this in my credit reports.
I had funds taken out of my 2 different bank accounts from 2 different banks without any notice. 

I contacted XXXX XXXX as the Sheriffs department told me it had to do with account # XXXX which is from XXXX XXXX. 

I contacted them at XXXX ... I was told they had me listed for a XXXX  Unsecured Credit Card and they have sold the account to XXXX XXXX and that XXXX XXXX has since sold the account to XXXX. 

XXXX, XXXX Case # XXXX I have no phone number for them. I have attached a notice, the only notice I have received regarding my bank account being Levied I did not have an account with XXXX XXXX so I don't know what year this was, as they didn't have a date to give me. They could not give me any information regarding this account. 

I also called my bank and they told me that the account was Levied and the funds had to be released to the XXXX  Sheriffs Department after 10 days of Levy. The Sheriffs office gave me a file number # XXXX I pulled a copy of my credit reports from XXXX and XXXX  to see if an account was listed from any of these companies. Not one of these companies was listed on my reports. 

I still do not know why my account is being Levied or by who. Can you help me fix this?
I am disputing the following student loan accounts according to the section 623 under the FCRA for reporting incorrectly. 

Account : XXXX ( Group A/B/C/D/E/F ) XXXX XXXX XXXX XXXX XXXX XXXX I do not agree with the student loan debt reporting on my credit report. I have exercised my rights and requested debt validation from Nelnet. Please provide me with the original instrument of indebtness in its original form. I am asking for the original contract with my INK signature. I sent letters via certified mail to the credit bureaus in XXXX & XXXX. Despite my requests, Nelnet has not responded to me and ignored my requests. 

This is a formal complaint for Nelnet to provide me with the following : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. 
3 ) Copies of the Application and 2 sided Promissory Note documents. 
2 ) Copies of original documents that meet the Uniform Commercial Code ( UCC ) requirements for legally binding promissory note debt instruments. 
4 ) Exact copies of all of the original Notice of Loan Guarantee and Disclosure Statements that apply to the loans that I allegedly received.
The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.
EQUIFAX SPLIT MY CREDIT REPORT INTO 3 RESPECTIVELY!
<P/>
TO KEEP THE 3 FILES COMBINNED THEY SUSPEND 3 ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED ) 1 ) .CONFIRMATION NO.  XXXX   DATED  XX/XX/2016 -STATUS PENDING 2 ) .CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT EQUIFAX IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.
Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.
On XX/XX/2017 I withdraw {$200.00} dollars ( XXXX {$20.00} XXXXr bills ) out of a Wells Fargo ATM machine located at XXXX XXXX XXXX. XXXX  of the {$20.00} XXXX bills dispensed by the ATM was mutilated missing about XXXX of the bill. I immediately called Wells Fargo to inform them, but they redirected my to my bank XXXX XXXX XXXX XXXX because they said " I do not have a bank account with Wells Fargo. '' I then called XXXX XXXX and filled a claim with them. After about 2 months of not hearing from XXXXXXXX XXXX, I finally called them and was told that no claim had been filled back when I called in XXXX. A claim was finally filled then, and after waiting 2 additional weeks I finally got a letter from XXXX XXXX stating the following : " We are unable to file a dispute for a torn bill. The dispute process governs the results of the transaction, not the condition of the bills provided. 
We regret that we are unable to assist you with your dispute. If you wish to pursue this matter further, we suggest that you contact the merchant directly. As of the date of this letter, your dispute claim has been closed. '' After reading this letter I called XXXXXXXX XXXX for further explanation and was told that they are not responsible for the condition of the bills or money dispense by other ATMs, including Wells Fargo, and was provided information and website on how to contact the U.S. Department of Treasury for a bill exchange, and/or was told that I could try to discuss the matter further with Wells Fargo. I then called Wells Fargo and was told by 3 different individuals that they are not responsible for the condition of the bills/money they dispense because the ATMs are serviced by third party companies who have their own procedures, and that they could not file a claim for my complaint because I am not a XXXX XXXX costumer. I was again provided information on how to request a bill exchange with the U.S. Department of Treasury if I so desired. 

I would really appreciate your assistance in trying to understand, how is it that banks are not directly responsible for the quality of the money/bills that they dispense out of the ATMs? Why does Wells Fargo charge me a transaction fee if they are not going be responsible for malfunctioning of the ATMs? I would really hope this is not true or else what assurance do we customers have that we will be properly refunded if the money dispensed is not in an acceptable condition or there are any other problems during a transaction. 

Thank you in advance! 

XXXX
We canceled the time share within the allotted time based on our contract. XXXX XXXX and Equifax both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.
Illegal Payday loan who is not licensed to do banking or credit report in NJ and is violating NJ Unsury laws refused to lower the 800 % interest rate. They have then reported the loan on my credit report which the amount is inaccurate. The credit reporting agenccy says it is valid and they can not remove it.
Loan # XXXX Mobiloan
We experienced water damage at our home that was covered by insurance. We filed a claim with our insurance company and were paid on the claim. As per the routine process, we submitted the claim check to BankUnited to be held pending the completion of the work. We hired a licensed contractor to complete the work and the work was performed the summer of XXXX. 

Mid way through the project, we requested payment for our contractor. We provided evidence that work had been performed, including conditional lien releases. Despite confirming BankUnited had all the necessary documentation and repeated follow ups, BankUnited did not send payment in a timely manner. We followed up on the payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A check was finally sent to us in mid XXXX. 

Work was completed in the end of XXXX and we requested the final payment to our contractor. BankUnited performed an inspection of our property to confirm the work was completed. We also submitted all the necessary documentation to evidence that the work had been performed by the contractor, including conditional lien releases. 

We did not receive a check for our contractor in a timely manner. As a result, to prevent a lien from being placed on our home, we personally paid the contractor. After making the payment to our contractor, we contacted BankUnited to have the funds disbursed to us. BankUnited asked for documentation evidencing that the payment had been made. BankUnited also contacted our contractor to confirm payment had been made and he confirmed the same. In response to BankUnited 's request, we provided the evidence of final payment in XXXX. BankUnited didn't release the funds in a timely manner. 

Thereafter, we followed up repeatedly from XX/XX/XXXX - XX/XX/XXXX. We left dozens of messages with BankUnited 's insurance department ( specifically, XXXX XXXX XXXX ) and never received a call back. We also resubmitted evidence of the final payment on several occasions, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BankUnited has yet to release the funds ( totaling over {$17000.00} ). On my last call to BankUnited I was told that servicing for our loan had been transferred to XXXX XXXX XXXX effective XX/XX/XXXX and that I would need to deal with XXXX on the issue. 

I am confident that BankUnited has been earning interest on my money over the period. Certainly, for this reason, the delays are in BankUnited 's favor - probably a systemic problem for the bank 's benefit. This company should not be allowed to service loans.
Nationstar purchased our mortgage from XXXX in XX/XX/XXXX or XX/XX/XXXX. The terms of the mortgage state that monthly payments will include the mortgage, home owner 's insurance and taxes. As per the terms of the mortgage, the mortgage company was responsible to pay taxes from our escrow account. In early XX/XX/XXXX, we became aware that our town tax ( The Town of XXXX XXXX ) was not paid by Nationstar. We contacted Nationstar to remedy this situation. On XX/XX/XXXX we received correspondence from Nationstar that they paid the town tax on our behalf. However, as of XX/XX/XXXX, no tax payment has been received by the town, despite many phone calls to Nationstar and many assurances that said taxes have been paid. XX/XX/XXXX marks the third late deadline and, as a result, the third round of penalties imposed by the town. My first request is that these taxes get paid. My second request is that my escrow account is reviewed by a third party to assess for any mishandling. Third, I want to be remedied for Nationstar 's failure to follow the terms of the mortgage they purchased by ensuring that the town penalties are absorbed by Nationstar and not us.
I pulled my credit report during the last quarter of XX/XX/XXXX and noticed a collection in the amount of {$200.00} from Enhanced Recovery Company ( ERC XXXX. I was never contacted about this debt. I called and spoke to a representative at ERC who informed me that the collection was due to an old XXXX account I had closed back in XX/XX/XXXX and that they could not provide me with any additional details. When I told the representative that this was a prepaid account, I was told that I would have to contact T-Mobile for additional information about my account and to request that they make a request to have the debt removed. I called XXXX and spoke to a representative who confirmed that my plan was prepaid ( Flex Pay ) ; however, they could not remove the collection once it was out of their hands ( the collection agency had to ). They refused to assist with removing the collection account even after I told them I had never received any phone calls notifying me of this fee. I have been calling XXXX and the collection agency for months with nothing being resolved. I also mailed the collection agency a request to prove that it is a valid debt and to prove that the cancellation of a prepaid account is valid. I have received no response.
My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. Their lousy payment process had lost my payment last year. Again, at beginning of this year ( XX/XX/XXXX ), they just added late fee {$86.00} to my account ( XXXX ) without any proof of latency. My bank ( XXXX ) has been set up recurring payment scheduled XXXX day of each month and leave more than half month before due date. However, their payment process delayed to clear my check until almost the end of month. I have my bank payment recurring payment with mortgage for more than ten years and never has latency issue with XXXX. The bad experience just happens as I complained to CFPB last year. FM not only has less effective payment process, but no help and useless customer service personnel they have. I asked my bank to send a good faith letter to prove the sending date of payment and no response from FM. 
I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help
A letter was sent on XX/XX/2019 from American Coradius International stating I owed {$1000.00} to XXXX XXXX. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.
This entire process with XXXX XXXX started XXXXPresent I was issued a mortgage commitment on a home that I ended up not moving in to due to a bad septic system. XXXX XXXX told me that everything was okay that I just needed to find another home. Upon doing so and spending even more money to complete the process on the day I was supposed to get the new mortgage commitment XXXX XXXX has now stated that there 's a problem with my loan and he could not issue me the commitment. Which I do n't understand since nothing on my side has changed. I am a single mom of XXXX children and we are homeless. I am staying from place to place and living out of my XXXX  XXXX XXXX blames this entire situation on the seller 's agent XXXX XXXX insisting that since she was pushing to get this deal closed for her clients she brought a lot of attention to my file which cause the hire ups to go through my file and flag it. And also due to the original underwriter quitting and a new underwriter was working on my file. From the very first conversation XXXX XXXX had always assured me that he would be able to get me approved he just needed the right strategy. I believed and trusted him so much that I moved out of my home with my children. Placed all of our belongings in storage and now we have nothing. I have spent well over {$7000.00} in this entire process. I have all the correspondence and XXXX preapporvals and a mortgage commitment doc issued by XXXX XXXX. Please contact me in regards to this matter. So much has transpired and I now have no money, nowhere to live, and no idea what to do. XXXX is starting in XXXX weeks and I do n't even had an address to use so that I can register my children for school. Completely Devastated.
Portfolio Recovery Associates filed a judgment against me for a debt that I did owe. I sent them a cashier 's check which they cashed on XX/XX/XXXX. I received a letter that my balance is 0. I have spoken to them on the phone numerous times with them stating my balance is 0. Now XXXX months later, they still have not processed my warrant of satisfaction. I have called the court to confirm that they have not received this paperwork. So I have a judgment on my credit report and with the court that I no longer owe. I have called them on 4 separate occasions to have this cleared up only to be told that I can call back. I am sorry but I should not have to keep hounding them to finish this up. I paid the debt, I no longer owe it so the warrant of satisfaction should have been filed a long time ago. This is the second time that I have had to file a complaint against this company. I do not trust them at all!!