WillisBack/dataset-financial-user-claim huggingface dataset:
I WAS ON A PAYMENT PLAN WITH THE MORTGAGE COMPANY AND WHEN I CALLED TO MAKE MY PAYMENT IN XX/XX/XXXXAND WAS TOLD THAT I DIDNT HAVE TO MAKE THAT PAYMENT BECAUSE BECAUSE THEY WERE GIVING ALL THERE CUSTOMERS 3 6 ARE 12 MONTHS DISASTER FORBEARANCE DUE TO HURRICANE HARVEY. I WAS GIVEN A 6 MONTH FORBEARANCE WITH NO PAYMENT, BUT INFORMED THEM THAT I WOULD PAY XXXX A MONTH INSTEAD OF NOTHING. I WAS TOLD THAT AFTER THE FORBEARANCE THAT I WOLD RESUME THE REGULAR REPAYMENT PLAN ARE THE WOULD EXTEND THE FOREBEARANCE AN ADDITIONAL 6 MONTHS. AT THE END OF THE FOREBEARANCE I CALLED TO MAKE THE PAYMENT AND INQUIRED WHEN WOULD I RESUME THE REPAYMENT PLAN ARE IF THEY WERE GOING TO EXTEND THE FOREBEARAC E. I WAS INFORMED AT THAT TIME THAT NONE OF THAT WOULD HAPPEN, I HAD TO BRING THE LOAN CURRENT, ENTER INTO A NEW REPAYMENT PLAN THAT WOULD DOUBLE ARE BE FORECLOSED ON. I THEN INFORMED THEM OF WHAT I WAS TOLD AND WAS TOLD THAT WHEN THE FOREBEARANCE WAS GIVEN THE INVESTOR DIDNT KNOW WHAT THEY WERE DOING AND THAT THERE WAS NOTHING I COULD DO. I WAS THEN TOLD THEY WOULD GIVE ME A FLEX MODIFICATION, WAS CALLED ON XX/XX/XXXX AND WAS TOLD THE MOD WAS APPROVED AND I WOULD RECEIVE PAPERS IN THE MAIL. ON XX/XX/XXXX I RECEIVED AN EMAIL SAYING THE MOD WAS DENIED. I THEN NOTIFIED THE LENDER ONXX/XX/XXXXAND WAS TOLD THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT AND THAT IT WAS A FRAUDAUNT CALL. I AM SO CONFUSED, BECAUSE THE CALL DID COME FROM THEM AND I CALLED THEM BACK ON THE SAME NUMBER THEY CALLED ME FROM. THEY FINALLY SAID THEY CALLED ME, BUT SPOKE WITH AN ANSWERING MACHINE. NO, YOU SPOKE WITH ME. I WAS THEN CALLED BY ANOTHER REP AND WAS TOLD THEY HAD USED THE WRONG APPRAISED VALUE TO DO THE MOD AND THEY HAD COME UP WITH ANOTHER VALUE, BUT I HAD TO PAY XXXX  FOR AN APPRAISAL TO GET THAT OTHER VALUE, BUT WAS TOLD THEY MAYNOT USE THAT VALUE. WHY TELL ME THAT THEN. I WAS THEN TOLD THEY WOULD SEND A NEW MODIFICATION PACKGAGE OUT FOR ME TO FILL OUT TO DO A DIFFERENT TYPE OF MOD AND AS OF TODAY XX/XX/XXXX I STILL HAVE NOT RECEIVED IT. REACHED OUT TO THE LENDER AGAIN INREGARDS TO THE MOD PACKGAGE AND WAS TOLD BY A REP THAT WAS NOT AN OPTION FOR ME. REACHED OUT TO FREDDIE MAC THE INVESTOR AND WQAS TOLD THEY WOULD REACH OUT TO THE SERVICER TO GET ME A PACKGAGE OUT. THESE PEOPLE ARE SO RUDE AND NOONE KNOWS WHAT THEY ARE DOING AND EACH STORY IS DIFFERENT. PLEASE HELP ME, I DONT WANT TO LOSE MY HOME, ALL I NEED IS ASSISTANCE FROM THEM TO MODIFY MY LOAN AS PROMISED IN THE BEGINNING
XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report.
Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. 

I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. 

I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.
I sent validation letters to Transunion to validate 12 accounts on my credit report the week of XX/XX/XXXX and I received any validation from the collection agencies or Transunion. According the the FCRA the time frame is 30 days and I still have n't receive any validation but my transunion report was updated the week of XX/XX/XXXX as Meet FCRA Requirements and Placed for collections. The 12 accounts were XXXX ( Listed 5 timess ), XXXX, XXXX ( listed twice ), XXXX XXXX, XXXX XXXX ( Listed 3 times ). I do n't have the account numbers because the debt was never validated to me.
The loan was bought from a phantom bank called XXXX, which I can find no such name or prior information about. The interest on my loan has almost double the amount owed. They have only ( 2 ) options when you 're in financial destress, and once those options are exhausted XXXX claims there is nothing else that can be done to assist in repayment. They claim it is based on an agreement from the original lender which I can find no such trace of online. Thus causes your account to go into default even if you are trying to make payments. It 's unfair to purposely set people up for failure. The troubling issue is that they are holding me to a promissory note from a bank that I can not locate any information about, from, or to know that it even truly existed.
I have disputed these accounts with Experian at least 3 times and they have yet to provide me with documentation that they claim they have on file to verify these incorrect accounts on within my credit report. In addition, to going over the 30 day mark by law according to sec 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed!!! Please HELP me resolve this matter.
I am filing this complaint as my other complaints against the credit bureaus and XXXX XXXX  continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and XXXX XXXX report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over 50000 I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and XXXX XXXX and only XXXX said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX  every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
this company has been taking money from me for many years and the balance never decreases, i feel they are illegally garnishing my wages as i have never went to court on this issue nor have they obtained judgement, they are in another state then i reside, please help resolve the practices that i feel are illegal and causing me hardship
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters  violating rights and etc. I have tried to reach out to the main company as well as the bureaus.
I checked my credit and noticed two accounts from Capio Partners, one for {$300.00} and one for {$5800.00}. I can not pay either debt but would like to settle.
I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. 

Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX
I have paid Americollect IN FULL on ALL medicial collections. They will not update any of my credit reports! This is effecting my credit score!!
I made a payment on XX/XX/XXXX online for my mortgage. Their online payment form is simple. Select a bank account FROM, select a loan TO, indicate any OVERPAYMENT, and include a MEMO. I rounded my payment up to {$1400.00}. On XX/XX/XXXX I noticed that my checking account still had funds in it. This is typical of Wells Fargo ( they take their time pulling payments - MUCH longer than others, so I have to carefully track them ). I called in to ask and spoke with XXXX - he informed me it was " user error '' and scoffed at me. I escalated it to XXXX # XXXX ( I read the entirety of this complaint to him over the phone for validity ). I filled out the form online again to submit the original MORTGAGE payment amount, and added a MEMO. The form would not allow me to add anything in the MEMO INPUT FIELD - useless and broken. The form was also broken when submitting this on XX/XX/XXXX. I want to document this issue since at this point in time. I already paid this again on XX/XX/XXXX. I've not had any financial loss from my checking account nor did my account go below the amount needed to cover anything - however I've had to carefully watch Wells Fargo and make sure they do their job correctly - and sometimes ( like today ) call them due to inexcusable errors on their end.
I previously filed a complaint against Sierra Auto Finance for harassing me in regards to an account for my brother, CFPB Complaint # XXXX ( XXXX XXXX, 2015 ) The complaint was responded to by XXXX XXXX - VP Collections. He had said at that time that a permanent block had been placed on my phone number. I received another call on XXXX XXXX again apologizing for the call but still asking if I can get a message to my brother. This seems like a polite way to continue to break the law. I contacted an attorney after I received the call. My attorney sent a demand letter to their address XXXX XXXX XXXX XXXX XXXX, Texas XXXX. No response was ever received to the attached letter.
I have been dealing with Ditech mortgage company for 3 months. My house flooded and my flood insurance handled their report in a timely manner. Ever conversation I have had with a person from Ditech gives me a different story on how my I can get my funds in order to repair my house. It got to the point that I have used my own money, out of pocket, to repair my home. An adjuster was sent out to my house on XX/XX/2016 and emailed to Ditech confirming that my house is 100 % complete. I faxed in the final information they needed ( XXXX form ) 3 days ago. They have received this fax but tell me it will take them another 7-10 business days ( which has turned into 15 or more days in each past experience ) to overnight my check, which I am paying for them to do. I have never dealt with more incompetent, rude, and nonproductive people in my life.
I have tried at least 3 times to get these inquiries off my report before making this complaint, there are 9 inquiries on my report that I DID NOT authorize and they need to be deleted. The Following inquiries need to be deleted : 1. XXXX   XXXX  XX/XX/2018 2. XXXX XXXX XXXX XX/XX/2018 3.  XXXX XXXX XXXX XX/XX/2018 4. XXXX/XXXX  XXXX XX/XX/2018 5. XXXX/XXXX XXXX XXXX XX/XX/2018 6. XXXX/XXXX XXXX XXXX XX/XX/2018 7. XXXX/XXXX XXXX XX/XX/2018 8. XXXX XXXX  XX/XX/2018 9. XXXX XXXX XXXX XX/XX/2018 I did NOT authorize these inquiries and I DO NOT want them on my report
Being a Capital One customer for over 9 years, I decided to take advantage of an upgrade to my account that was advertised as 1.5 % Cash Back, NO Annual Fee and {$150.00} cash bonus after a certain amount of purchases. 

When attempting to execute the offer, they would only upgrade me to the 1.5 % cash back but would not give me the other benefits. 

After debating with the XXXX XXXX, I was offered the No Annual Fee, but not the Cash back. 

When I decided to accept that offer, ( which I have saved on Chat with Service ) the asked me to disregard the offer and required an Annual Fee. 

Capital One is misleading, untrustworthy and disloyal. The also showed complete disregard for any issue that would create a negative effect on my credit should I cancel the card.
I have found this information on my  report : US BKPT  CT NJ  XXXX   Reference  #  XXXX
US Bank has a history of conveniently posting transactions 7-10 DAYS after the transaction is made. The transaction will show in your available balance, and then disappear, leaving it extremely difficult to manage an account using their online banking system.

On XX/XX/XXXX, at approximately XXXX XXXX, my account was positive, though held a balance according to them of just under {$1.00}. On XX/XX/XXXX, a deposit was made to the account to fund the account per my spouses pay check. US Bank posted transactions made a WEEK AND A HALF prior in the overnight hours prior to the deposit, causing the account to overdraft and subsequently charged an overdraft fee. In my attempt to resolve the issue, the customer service representative became argumentative and tried to school me on the status of an account that I check MULTIPLE times a day. While I no longer wish to use this Bank, as they have a history of treating their customers like numbers, I want the overdraft fee that I was unfairly assessed refunded to my ch
ecking account.
XXXX XXXX XXXX CALLS DAILY TRYING TO COLLECT ON A LOAN I DID NOT AGREE. RISE HAD ALL MY CURRENT INFORMATION FOR A PREVIOUS LOAN THAT I HAD AND PAID OFF WITH THEM. I HAVE ASK THE COMPANY TO SHOW ME WHERE I AGREED WITH SIGNTURE TO THE NEW LOAN TERMS. THEY HAVE SENT ME ONLINE CONTRACT DOCUMENTS. I NO LONGER HAVE THE ACCOUNT THEY CLAIM THEY SENT THE MONEY TO. I AM UNSURE HOW I WOULD EVEN BE ABLE TO RECIEVE THE FUNDS. THEY HAVE TWO DIFFERENT ACCOUNT NUMBERS REPORTING ON MY CREDIT FOR THE SAME AMOUNT BUT DIFFERENT REASONS. ACCT # XXXX SHOWS A HIGH BALANCE OF {$2000.00} AND A PAYMENT STATUS AS LATE. ACCT # XXXX SHOWS A PAYEMNT STATUS AS LATE AND CHARGED OFF AS BAD DEBT WITH A BALANCE OF {$2000.00}. AS ANYONE IT IS AGAINST THE LAW TO HAVE TWO ACCOUNTS REPORTING TO THE CREDIT AGENGIES FOR ONE ACCOUNT.
This dispute and investigation is for Enhanced Recovery. I had phone service with XXXX XXXX and was ending my contract with them and I was charged twice for a payment on my card. They continued to bill me for a third time when I explained they already received two payments. They continued to pursue me for compensation and I refused to pay because I was already charged previously. The account went to collections which it should NEVER have, and I disputed this file and had it removed a couple times from my report. Enhanced Recovery has since appeared on my report owning the same debt which was placed in a collections status plummeting my credit score. I needed it to go away to save my credit score so I paid the balance AGAIN in full in XXXX 2016 to get rid of the collections status. This account is still on my report and in collections status, I demand it be removed for good!
When I was unable to repay the loan, the company repossessed the car immediately, and has continued to add on fees and harass me calling ( home and job ), texting, emailing, and even showing up at my home repeatedly, all though out the day, harassing myself and relatives. Saying that I owe a balance that is 6 times more than the original loan and after taking the vehicle. The harassment is absolutely ridiculous. I have to file bankruptcy solely in hopes that it will stop them but I have a feeling it will not as these people are relentless.
I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT.
XXXX XXXX XXXX I am sending you the credit report number from XXXX. I am requesting the collection be cleared from all credit reporting agencies and my account be put in good standing and paid in full. I also am attaching Navient 's written correspondence indicating not to make any payments while the funds were being processed. I called at XXXX on XXXX XXXX asking about the delinquent status being reported on my credit report. I spoke with Christen ( XXXX ) and she gave me a request work number of XXXX. I am requesting immediate action on this request with follow-up.
I did call for cancel this account on XX/XX/2016.and give them new address for the last bill.but they never send me the last bill I thought I do n't them money.finally they put me on charge off condition without warning letter.
I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.
I have had a significant reduction in income since retirement inXX/XX/XXXX. I incurred debt while living in Maryland, before retiring, I arranged to repay {$230.00} until paid off. However, I have been informed that Social Security has canceled XX/XX/XXXX's payment and will revisit benefits for XX/XX/XXXX to determine if they should cancel XX/XX/XXXX's Social Security check because of cap on employment for XX/XX/XXXX.
Because of this huge reduction in income for XX/XX/XXXX and possibly XX/XX/XXXX, onXX/XX/XXXX, I contacted CashNetUSA via email ( collections department ) for assistance in either suspending payment of {$230.00} or reducing/recalculating payments thru the end of the year that occurs on the XXXX of each month. Original balance was {$1600.00}. Balance is {$360.00}.
CashNet is refusing to work with me, stating they can not recalculate/suspend/or rework payback period. I then told them that if they attempted to take XX/XX/XXXX 's payment, it would cause an NSF in my account, increasing my debt and causing further hardship.
Their final reply was : ( taken directly from email they sent me ) " We understand your situation and have noted your account.
We are unable to change, cancel, or alter any mutual payment arrangements or scheduled payment that has been established for your balance. If you are expecting the scheduled payment to return for insufficient funds, please contact us back as soon as possible to set up arrangements for the returning payment. '' I have saved all documented email conversations to CashNetUSA 's Collections Department.
I do n't think CashNet is handing my hardship situation in an equitable or fair manner.
On XX/XX/2015, I went to an emergency room due to XXXX XXXX. I called XXXX and was taken to XXXX XXXX XXXX XXXX in XXXX, Texas. While at the hospital, I was told that the VS would be covering the medical bill 100 %. I was released and I never heard another thing from the hospital or Veteran 's Affairs about the visit or any unpaid bills. I was never called nor did I receive one piece of mail concerning a bill or owed amount. I was recently made aware of the hit against my credit as I am trying to get financing for a new home. I called the credit collection company XXXX XXXX XXXX at XXXX and they said they would not delete the credit reporting without the VA paying the bill. I've called the VA several times at XXXX and XXXX and I get transferred several times and then eventually end up on hold for extended periods of time ( >45 minutes ) and nothing has been resolved with them.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   2013  30 days past due as of  XXXX     2013  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have filed complaints against this company in the past. I demanded them to cease and desist " Payment Reminder '' calls and any contact whatsoever unless the payments are behind. I have called many times to demand removal from Auto Reminder for payment calls. After speaking with the company XXXX today, the agent stated it is ( has been ) noted in my account NOT TO CALL, TEXT, OR EMAIL me for any reason other than delinquency. Under the FDCPA I have the right to ask creditors to Cease and Desist yet this company XXXX continues to harass me on the day of payment using auto dialers. I am making this a matter of public record by making this demand formally on the CFPB complaint. No contact at all, XXXX is to CEASE AND DESIST all communications with me unless a payment is late. Future complaints will be through the Attorney General in Indiana. I will not warn them again.
Almost five years ago I was forced to file a chapter XXXX bankruptcy after years of battling with our health insurance and XXXX bills from my wife. She had a XXXX that caused her several complications and XXXX issues that continue to date. When I filed bankruptcy we met with a attorney and explained we would like to stay in our home and he suggested we try to modify with our lender to make our payment within our budget. We requested a modification and it was done around the same time as our bk filing. Our mortgage is with Nationstar Mortgage and we have had the worst experiences with them. When we initially refinanced with them we were told we could refinance into a lower rate/payment a year after we signed on our high and adjustable rate. We called them in a year our loan officer was no longer working there and they were not FHA approved so we could n't get out of the loan we had. I requested a payoff a couple weeks ago and it shows we owe over {$250000.00} with {$50000.00} in misc fees.