WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX and obtained financing for my loan through Prestige Financial Services on XXXX XXXX, 2016 for a 14.99 % interest rate with a payment of {$600.00} for 72 moths. In which I knew was steep but opted to do the loan to reestablish my credit due to a recent bankruptcy filing and divorce. My original due date was supposed to be XXXX/XXXX/16 but the loan was not funded due to XXXX at Prestige needed to verify that I did not file a reaffirmation on my home. During Prestige 's verification I accepted a new position for employment and also provided XXXX with my offer letter for verification. XXXX and XXXX from XXXX contacted ma and stated I needed to sign a new loan document because my loan was not booked on time indicating that the only change would be my new date. There were no other changes of the terms by either party as required by Truth In Lending. All calls at Prestige are monitored and recorded to validate my complaint. With me being within my 90 days and in training XXXX arranged to come to my job for me to sign the new loan documents again no other conversation took place about any changes. When XXXX arrived I was not on break and had to run to the lobby very quickly to sign the loan documents and I had to return back to training since I was disrupting training to sign. When I came out again no conversation about any changes other than the due date. XXXX just pointed where to sign and I did as I trusted him especially coming to my job since I was unable to take off to do it. A few days had past and I was contacted by XXXX with Prestige to setup auto payment for my new loan and it was discovered then and only then that my rate was changed to a 17.99 % with a payment of {$630.00}. I immediately advised XXXX that was inaccurate. I sent him my original loan agreement and he sent me the new XXXX that had the new terms that were not communicated. I have text message between myself and Laron where he advises he thought I knew and that it changed because I changed employers. This was not communicated by either party. I would not have taken the loan if I was made aware as I already had a car that I could have kept. I have contacted XXXX, his manager, XXXX, her manager XXXX XXXX, and XXXX multiple times with no response or return call. That they are looking into it. I informed XXXX that I wanted to bring the car back and was denied. I even had to pay for a sevond temp tag because of this situation. I went ahead and made my first payment as I did not want this to reflect negatively on me as my whole point was to reestablish my credit. I am getting the run around and felt that XXXX and Prestige were deceptive and unfair not going over that my terms were changed. I last spoke with XXXX when he called about my second payment and told him that this was still not resolved. He said he would have XXXX XXXX call me in which still no contact with either parties. I have left countless messages. I want them to adjust my interest rate and payment amount. I also would like them to do something additional to rectify my despair.
A man calling himself XXXX XXXX left me a voice mail stating that I am scheduled to appear at the XXXX XXXX court house. Minutes later he call my father in law at their home. He asked for my father in law by name and told him he was with the XXXX XXXX court house and was attempting to contact me in regards to charges that had been filed against me with that court. 

I was sitting with my father in law at the time ... I grabbed the phone and offered to call XXXX County court house myself to check on these so called pending charges. He then corrected himself and said he was a processor. He never once told me it was an attempt to collect a debt ... He did state that he was trying to get money for Multi Source Loans and looking to work out a deal to settle on the account. I then asked him why he stated he was from the court house when he clearly was not and was calling from an out of state number .... He then told me he was simply trying to get me to pay my bills then hung up the phone.
NTL Credit MGMT submitted a balance that I owe to XXXX XXXX XXXX XXXX to show on all three of my credit reports. I never received a letter from them before they through this on my report. I only received a letter from XXXX XXXX at XXXX. XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX informed me via mail to reach out to the University for payment arrangements. I did in fact sent the university a letter stating that I wanted to make payment arrangements with them. I sent a letter to XXXX XXXX as well as the university. I received a letter from the university stating that it was sent to collection after the NTL Credit had already put this on my credit. I tried reaching out to NTL Credit to see why I never received a letter from them. They stated that they sent a letter and that they called two phone numbers, one of the phone numbers was a phone number that I had back in XXXX so the university would not have had that number since I took classes in XXXX. I use my cell phone for every contact number that I have had for over 10 years. NTL Credit gave my cell phone as the last number that they tried to call. I have never received any calls from them at all. Otherwise, I would have requested that they send me documentation in writing. I am also signed up for informed delivery and I can go back to all of the mail that was sent to me all the way to XXXX to prove that I have never received anything from them. I would have liked the opportunity to work this out with them before they put this on my credit and when I called, I was told it was against the law for them to take it off of my credit and if I did not pay it was going to be worse for me later on. I want this issue resolved without the threats and I would like the opportunity to dispute and/or get a breakdown of what the charges are for as I was never offered this in the beginning. I was communicating with one credit collection agency while this dept was sitting with another one.
Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. 

Accounts : XXXX XXXX XXXX XXXX
I have a checking account with BBVA Compass Bank. I used my debit card two times on XXXX/XXXX/17 and the I had a loan payment of {$310.00} come out on XXXX/XXXX/17. this was a bank draft payment. the bank arranged my debit payment to cler after the bank draft payment to come out after my debits thus charging me XXXX overdraft fees. I do n't agree with them arranging payment to charge more fees. I am a single mother and I need my money. they have also charged me and extended over draft fee of {$25.00}. I am being charged over {$100.00} in fee because of their greed this need to be fixed.
I attempted to contact a creditor who listed a hard inquiry on my Experian credit report number XXXX dated XXXX XXXX, 2016. The letter was sent via certified mail but was returned to me as " RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD ''. I attempted to contact Experian via certified mail and provided a copy of my state issued driver 's license and United States Passport to support the investigation for possible fraud or identity theft. Experian has placed an extended fraud alert on my credit report and has caused security freezes affecting use of my credit and bank cards. This company has not provided me proof that any investigation was conducted and has failed to provide me with a copy of my credit report upon disputing the item with them by phone. I have sent numerous letters and have been unable to resolve this issue. I would greatly appreciate your assistance with this matter.
Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards. 
I am really feeling harassed with no end in sight. Can you get them to cease and desist? 
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised
Collection company have not sent anything in writing. This company is trying to collect a debt that is not owed, there was a billing error that was never corrected. The collection company said they was going to send information after they do an investigation. No information sent to me but they updated my credit report. 
Trying to contact them via mail no response. I have not contacted them by phone because they want me to confirm I owe the debt. They could never break down the charges and verify if the charges was accurate or if there was an error in billing. 


XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Attempts to collect debt not owed
On XX/XX/2018, 18 fraudulent transactions were debited from our PNC checking account totaling almost {$1800.00}. I promptly disputed the transactions, opened a new account as per their advice so that we dont touch or use the account while the bank conducted their investigation. Our account had a positive balance of {$150.00} before the occurrence of the fraudulent transactions. 

I visited the PNC branch on XXXX and XXXX in XXXX to get updates re : this account. Several times I visited with XXXX XXXX, branch service associate, who was helpful in trying to understand what was happening. He had contacted customer service/escalation dept. to get information so I can recoup our {$150.00}. 

I did some phone calls myself and was completely surprised on one of those calls to learn from customer service/ escalation dept that they can not help me anymore because the account was closed and was charged off/sent to collections because of a negative balance of {$570.00}. There were several shockers in this : the account having a negative balance ; the account being sent to collections without any effort to contact us ; and me learning about all these only after calling to follow up on the investigation. 

After several more visits with Mr. XXXX, the bank was proud to be able to reverse/refund some fees/transactions ( that should have happened anyway relating to disputed fraudulent transactions ). They sent us a check in the amount of {$37.00}.
i have reach out to XXXX as well as equfiax concerning the negative items effecting my credit report since i filed first on XX/XX/2018 and next on XX/XX/2018, and they have not responded and has violated the FCRA by not doing so within 30 days.
On XX/XX/XXXX I call Transunion and their customer service would not help and take care of the negative inquires reporting on my credit report. They are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX
We received the Trial Modification from Ocwen on XXXX/XXXX/XXXX and returned it immediately, signed and notarized. Subsequently, it was confirmed that the XXXX " Trial '' payments were due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for {$1800.00} each month. In the interim, I had contacted XXXX XXXX to see if I was eligible for any assistance because I was unsure how long I would be unemployed. Luckily, I was eligible for their Unemployment Assistance program which could pay the mortgage for up to eighteen months, if needed. 
As things turned out, I found employment with the State of California shortly after being approved for assistance ( although I would only receive a monthly paycheck ) and needed to wait 30 days for the income to begin. Again, things worked out insofar as the policy of the XXXX Unemployment Assistance program was to provide a four month " cushion '' of mortgage payments AFTER XXXX is re-employed. As a result, XXXX made a LARGER payment of {$2000.00} to Ocwen for FIVE months, per Ocwen 's instructions. Ocwen received a payment of {$2000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these payments were confirmed by my wife and I as being paid by XXXX and received by Ocwen prior to their respective due dates. We had spoken with associates at XXXX and Ocwen each month to insure that the " Trial '' payments had been paid and received. We specifically referred to these as " Trial '' payments when we spoke to the Ocwen associates, who confirmed they were received and said that the Permanent Modification would be forthcoming, once the XXXX Trial payment was received. 
For this entire FIVE month period of time, Ocwen collected these " Trial '' payments for the INFLATED amount and NEVER notified us, the property owners that the modification was in jeopardy. We were unaware that seeking assistance from XXXX violated ANY rule against the acceptance of a modification from Ocwen ; after all, we had already accepted and notified Ocwen of our acceptance of the trial modification. Also during this time, Ocwen did NOT inform XXXX or us that the amount they asked XXXX to pay on our behalf was greater than the contractual Trial Modification amount or that the payments were to be used for any other purpose than the " Trial '' payment in which it was intended and confirmed with XXXX to be applied as. Ocwen was completely aware the payments were coming from XXXX, because they informed XXXX to pay the {$2000.00} amount to them. In fact, Ocwen appears to have waited until the KYHC Unemployment Assistance was terminated and the last payment was received, BEFORE sending the decline letter. A highly dishonest and unethical business decision. 
If Ocwen had once mentioned to us that by having XXXX make the Trial payments for us, that we would lose or modification, we would never had accepted the XXXX Unemployment assistance. But at no time, did Ocwen say anything at all. They did not communicate with us at all.
Thank you CFPB! I finally received the documents of the transactions that I have requested from my mom 's mortgage company - Ocwen Financial Services since my last complaint through the help of CFPB case # XXXX. I am seeing a lot of charges for Attorney Fees and other charges. I would like a detailed written account of each transaction of the fees assessed to help me understand why my mom was charged over XXXX charges in fees, XXXX charges in attorney fees and XXXX certified mail charges during the life of the loan with them. Some of those charges occurred multiple times during the same date. I would like the date of the charge and an explanation of how it was assessed. I would like to receive this information within a week 's time. Thank you.
To whom it may concern, This complains is against SLS, a mortgage servicing company. This company bought my mortgage on XXXX XXXX from XXXX mortgage. 
I received a letter dated XXXX XXXX, XXXX from SLS servicing company stating that my Condominium Unit Owner was expired ; I thought they were talking about the Hazard and Flood and I faxed it to them. After a call, I realized that they were talking about XXXX which I do n't know what it was, I never heard about it in my 10 years and XXXX different lenders in the property. I just requested the document that demonstrates that I " MUST '' have it but that never happened. If it is by law that I needed I just request in my letter to send me the appropriate law information I will proceed accordingly. From this letter I mentioned I did n't receive another XXXX until XXXX XXXX, XXXX. What I received was a letter warning that they will buy the insurance from me. In the meantime, I kept calling and requesting why I should pay this kind of insurance. 
Later on, a letter dated XXXX XXXX, XXXX stated that they bought the policy, the policy document has the issue date at the bottom ( attached ). What really surprised me was that the cited policy even thought was bought in XXXX, started from XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX. IS THIS POSSIBLE? 
SLS after this distasteful issue they proceeded to added this amount to my escrow account. I refused to believe what they did, but it 's a fact. At the end of XXXX I decided to buy XXXX on my one to avoid another disaster, but was in vain. I bought an XXXX policy from XXXX XXXX and XXXX Insurance Company for the expensive amount of {$1000.00} for a small condo. I planned to pay it in XXXX quotes. Few days later I saw this amount also in my escrow account, later I got a check for the down payment amount. When I called the insurance company they explained that my mortgage company paid it in full. Not a phone call, not a notification. 
I have never received a call from this SLS servicing company, ( once I asked why they do n't call and the answer was they have millions of customers and do n't have time to call ). I know there are so many wrong procedures and the internet is plenty of complaints about SLS, public records of fraud and mistakes. As a result, my escrow account is now negative in more than {$2.00}, XXXX dollars. 
My biggest concern is why SLS charged me the insurance from almost a year retroactive when the first communication is dated XXXX XXXX, XXXX ( attached ). 
Thank you in advance.
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on TU and XXXX as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. Transunion didnt update after disputing, XXXX  has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. TU and XXXX  are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with TU due to these specific errors. Thank you for your time.
I inadvertently missed scheduling XXXX and XXXX 2015 payments on the Navient website and when I realized this made payments for both months on XXXX/XXXX/15. Yet on XXXX/XXXX/15, Navient reported the loans as charged off to XXXX. To my knowledge the loans I have cosigned for have not been reported as charged off for awhile ; I have been making on-time payments for almost two years ; well over XXXX in payments. However, if the loan was already in charged of status, why is Navient reporting it to the credit bureaus as a new charge off for missing XXXX payments rather than XXXX payments were missed? If Navient has the loan status as in active repayment, how is it that the loan is charged off for missing XXXX payments? Lastly, technically payment for these loans were current as of XXXX/XXXX/15? Why did Navient on XXXX/XXXX/15 report the loans as charged off/delinquent? I would like these loans placed back in active repayment status and the charge off removed from my credit report. XXXX missed payments versus a charge off is like saying an apple taste the same as an orange.
I have a current pending RMA with Bank of America. As of XXXX XXXX, XXXX I was told it was still under review. However, BOA has notified their foreclosure attorney to schedule a foreclosure date. The attorney 's office was notified that I have a pending RMA and requested it be postponed until a decision is made. The attorney 's reply was " Please be advised that our client has not elected to postpone the pending foreclosure sale. '' When speaking with an attorney I may need to retain, I was advised that BOA is " dual tracking '' as prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Furthermore, I have learned that BOA was XXXX of the XXXX largest banks involved in a XXXX National Mortgage Settlement which restricted dual tracking, and I would like to report that they are apparently attempting to " dual track '' home owners again.
I noticed an entry on my credit report dated XX/XX/XXXX from a company called Paramount Recovery Systems. The debt original creditor was XXXX XXXX XXXX XXXX. I called Paramount to ask what this was for and they said for medical services received in XX/XX/XXXX. I asked when and to what address they sent the first notification of the debt to me, and they had the wrong address ( which was unknown to me how they obtained the address ). So I advised them they are in violation of FCRA law because they were aware they had the wrong address especially due to the returned mail, yet, they placed the entry on my XXXX credit report anyway. I contacted their client XXXX XXXX XXXX XXXX and they admitted to sending the account to them with the wrong address. They claimed they had nothing to do with the credit reporting, and I would need to speak with Paramount with regard to the debt. So, the rep I spoke to at Paramount said she would begin a research request and said I would be transferred to a supervisor. I am not sure if that actually happened because she just transferred me to a general mail box. I did leave a message however. I then used their contact us link on XX/XX/XXXX ( same day as the voice mail I left ) and on XX/XX/XXXX. I explained just as i have here that it is illegal what theyve done but they refused to admit fault or correct the issue. I also looked their company up on the XXXX and they appear to do this often to consumers. To date Ive not gotten an email or phone call in regards to the matter.
On XX/XX/XXXX, someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.