WillisBack/dataset-financial-user-claim huggingface dataset:
Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely
XXXX XXXX increased my $ XXXX  monthly payment to {$150.00} with no notice, and will not allow me to lower the rate back down. I don't make enough money to pay that, and only want monthly payments of {$100.00} at a time.
I am unable to get information on account number XXXX. My attorney sent XXXX XXXX several emails requesting for a loan modification with a payment I could afford. Its been over 30 days and no response. I have been recording the automated information on my account. On XX/XX/2018 there was a sudden change to the account during the time the servicer was merging with XXXX and I recorded it. The automated system informed me that a new mortgage payment in the amount of {$2900.00} is due XX/XX/2018. On XX/XX/2018 the trustee sale was postponed to XX/XX/2018. On XX/XX/2018, the automated system gave me different information again. Since XXXX  XXXX is not responding to my attorneys emails I called Ocwen myself to get information on the account, my call was automatically transferred to the law department, the representative told me I would need to contact XXXX XXXX to get the update. How am I suppose to get information on the account if the servicer and its outside lawyer wont give me information?
A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.
Over the years I have paid thousands of dollars, only to continue to have the same remaining balance. When I would call to ask why this was happening. I was told my interest rates are variable. I find it extremely convenient for Navient that my interest varies every month to prevent me from paying off my balance. If this continues I will pay off 3 times or more what I borrowed for my XXXX degree. I have also tried to consolidate and get fixed loans or offer a large lump sum payment to settle and I was told that is not an option with Navient. Something does not seem right with there accounting and as someone who does n't know the in and outs of my loan calculations, I tend to take what they say I owe for face value. I feel cheated by there system.
EXPERIAN IS GUILTY OF REMOVING XXXX XXXX ACCT # XXXX FROM MY CREDIT FILE FOR FRAUD ACCOUNT AND THEN PROCEEDED TO PLACE THIS ACCOUNT BACK ON MY CREDIT FILE WITHOUT NOTICE AND THIS ACCOUNT WAS STILL IN DISPUTE. BY DOING THIS MY CREDIT SCORE DROPPED AND EXPERIAN IS REFUSING TO DELETE THIS ACCOUNT WHICH WAS PLACED BACK ON MY CREDIT FILE WITHOUT FOLLOWING THE LEGAL PROCEDURE TO ACTUALLY DO SO.
I have disputed an error on my credit report with Equifax and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Equifax, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.
I have contacted XXXX XXXX XXXXXXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Bank issued counterfeit bills and refuses to thoroughly investigate the issue to prevent reoccurrences and make the claimant whole again. The bank in question is the BB & T bank in XXXX, Virginia.
Over 30 days ago in XX/XX/XXXX, I disputed an inaccurate account with Experian regarding XXXX XXXX Bank account number XXXX. Experian responded in XX/XX/XXXX by saying they had completed their investigation into my dispute and updated the status/account/information. Because they did not accurately investigate my dispute by looking at actual documents from XXXX XXXX bank to validate the accuracy of the information, Experian reported on my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. Because of Experian 's blatant error and disregard for the law, this information negatively impacted my credit score and I am in the process of purchasing a house. I was forced to file a complaint with the CFPB ( XXXX ) on XX/XX/XXXX. Experian then responded that they now need EXTRA time to RE INVESTIGATE my dispute by contacting the data furnisher to verify accuracy. IF Experian had verified the information of my dispute in the first place, they would have NEVER updated my credit report in ERROR. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 because, through their response to my complaint to the CFPB requesting additional time to re-investigate, they have ADMITTED that they never investigated my dispute in the first place. This is against the law, but more importantly, you have affected my credit due to your lack of investigating. You do not get extra time! The law was clear, you had your time to investigate my dispute and CLEARLY YOU DID NOT. There are no redo 's! You NEVER validated anything with XXXX XXXX, so this account needs to be deleted IMMEDIATELY because we are way past the 30 day investigation period.
I have requested that a new escrow analysis to be completed due to the fact that my real estate taxes ahave been reduced, due to a homestead exemption credit. I faxed over a copy of my new tax bill on XX/XX/2019, and Pacific Union paid my new lower tax bill amount of {$2200.00} dollars per half on XX/XX/2019. Previously my taxes were {$2700.00} per half and I have received over {$1000.00} tax credit per year. My recent tax bill reflects both the new half year amount of {$2200.00} and {$4400.00} per year. However Pacific Union refuses to lower my mortgage payments to reflect the new tax amount, and they are also charging me a shortage of {$170.00} per month, however my escrow account is not short and has a surplus currently in the account. I have called several times and faxed in documentation to prove the new amounts. However Pacific Union still refuses to lower the mortgage payments.
Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.
I received phone calls from my ex brother in law ( no communication with him for 10 years ) and my ex and both stated a law firm company called stating I owed debts and they were on their way to my work to serve me papers at my work unless I called XXXX. I have received at least XXXX to XXXX calls stating my bank account is going to be frozen within XXXX hrs, numerous calls stating that I need to be home/work to be served papers between XXXX pm have ID. A XXXX says he is from XXXX XXXX process servers and will be serving me ... he does not exist with XXXX XXXX. I called and the phones were answered XXXX and XXXX. I had informed them that family was getting phone calls in regards to a so called debt and they were disclosing info to people illegally. I asked for their attorneys name and bar # ... the woman fumbled and could not give me an answer and yelled at me asking for my attys info. I asked for an address and was given a XXXX store address in XXXX, New York. This woman continuously kept putting me on hold and was agitated. I ended the call after things did n't seem right. This company goes by several different names XXXX and XXXX, Law offices of XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX. The phone numbers change XXXX, XXXX. This entity has broken almost every debt collector law there is- disclosure of a debt to others, threatening to freeze bank accounts, threatening to show up at my work to serve me unless I call the number, stating they are a law firm. I have not received any letters stating the debt, amount, and what it is for ... nor have I received a demand letter from an attorney. I XXXX this entity on tje internet and scam/fraud keeps popping up and suggests to not call this number back. I have called the State Attorney 's Office, my bank, XXXX, and my credit report. I have a couple items on my report that are XXXX XXXX XXXX ( past the statute of limitations and they are coming off my report in the next couple months ) and a couple current debts that I am taking care of. I do not see this entity on my credit report. I included a Ceist and Desist letter
XX/XX/XXXX, XXXX filed a lien and issued a warrant against me for an outstanding XX/XX/XXXX tax bill. For several months in a row, from XXXX through XXXX, I had submitted payments to reduce the amount of that tax bill through the web site, via debit card, from my checking account. 
When I consulted the web site for XXXX to track the reduction of my bill and stay current with the balance, I SAW THAT THE BALANCE AMOUNT HAD NOT BEEN REDUCED, EVEN THOUGH I HAD MADE PAYMENTS IN A TOTAL OF OVER {$2700.00}. I called the office for the XXXX and discovered THAT THE PAYMENTS I HAD MADE, AS DEDUCTIONS FROM MY CHECKING ACCOUNT, HAD NOT BEEN CREDITED TO THE BALANCE OF TAXES OWED! MY BALANCE IN XXXX REMAINED THE SAME AS IN XXXX! MEANWHILE, THEY ISSUED A WARRANT AND A LIEN UNDER FALSE CIRCUMSTANCES AND HAVE ADVERSELY AFFECTED MY CREDIT SCORE. THANK YOU, XXXX. 

The situation has now been resolved. The current balance is {$0.00}, but the dent in my credit score remains.
CAVALRY is attempting to collect on the judgment that is not mine. Judgment was filed back in 2010 and lined my property this is Not my account!!! I tried to dispute this with Cavalry, but they refuse to investigate or send me proof why they decided to lien my property for someone else 's debt ... Instead now they are harassing me for the payment..Now they started calling my work, even my ex and threatened to arrest me if I didn't pay the amount right away ... I attempted to contract the law firm who furnished the lien but they are NO longer in business or DO NOT exist as I was not able to find any business license under XXXX XXXX XXXX XXXX at all. this is fraud and should be stopped please help
I initially started doing business with XXXX XXXX XXXX in XXXX of XXXX, and at that time i was prequalified for up to $ 1500-00 cash. 
I continued to do business up until XXXX of XXXX, at which time this merchant was paid in full. 
At the time I closed the loan I was not informed that there was possible changes of lending policies at that time in the future or fine print. I thought I was paid in full. 
I recently recieved forwarded mail from them on the XXXX XX/XX/XXXX, from this entity that I would be charged a {$180.00} " maintenance fee '' for having an available open credit line, on XXXX XXXX. 
I called to protest, and told them " how could it be so, I paid you in full? '' The CSR told me that as of XXXX the XXXX, if by then you did'nt OPT-OUT that it would be too late to do so. She expressed her apologies and then told me that there was nothing she could possibly do. I recieved this response from 3 different CSR 's I told her that I would call all the consumer support agencies that I could, because it was unfair. She conceded with me, and reiterated that there was nothing she can do.

She then told me that if i wanted to " OPT-OUT '' I would have to pay the fee of {$180.00} first only then i would be able to close my account. 
This to me folks is " consumer extortion '' at the least and the new way these types of entities harass consumers. Mr. XXXX XXXX is the President of this financial group, they are : T/A AXCESS financial, out of XXXX XXXX XXXX XXXX XXXX/XXXX.
My checking account was changed to a fee based account without my knowledge, my savings and checking accounts were drained and are in negative balances. Bank of America says I owe them {$300.00}. 
I opened a checking and savings account with Bank of America at least 6 years ago. It had XXXX charges at the time to have an account. I have moved 5 times in the past 3 years and had not checked that account. I stopped using the account back in XXXX when I switched over to another bank, and when I recently checked my Bank of America accounts I noticed I was being charged maintenance fees ( this has been going back for at least a year, but I did not realize this previously ). Both my checking and savings accounts were in the negative and my savings account was closed. Bank of America changed my checking account to one with a monthly fee. The monthly fees caused me to overdraft and go into negative balances. It 's probably about {$500.00} in charges including the negative balance for accounts I have n't touched. When I called the company I was told they sent me something in the mail. There was no due diligence on their part. I never received a phone call as I was going into overdraft on this. 

My savings account was overdrafted so much it was closed, and I am no longer able to access the documentation for the savings account.
I just received a small check for {$53.00} from CFPB/Green Tree Servicing. I did not know we could do anything because they made it sound like this was it. Im not sure what we can do but would like some help. We had Green tree in 2010. My husband lost his job and had a non compete clause ( ie could n't work in his field for a length of time ). We could n't pay our mortgage for 2 years. We had a 30 year note financed at XXXX down to XXXX when he lost his job. We tried a loan modification with Green Tree and they might had done it twice or I know they did something wrong because they made us do a 40 year note adding an additional 17 years to our mortgage. How can you miss 2 years of payments because of loss of work and then owe an additional 17 years to your mortgage payments. That 's outright scandalous. They also added XXXX escrow or something to our principle instead of putting it at the backend. Not sure what this was exactly but they said escrow. We need help and I am not sure where to go because our mortgage should n't be a 40 year note and all additional fees should not extend my mortgage an additional 17 years in fees. Yes, they also did make us do speed pay ( this check we just received does n't cover close to what we put out in those fees ) to make our payments and harassed us monthly even though we had open communication as to our situation and regular payments at that time. I would like someone to review this situation because we should not have an additional 17 years of payments added. I asked them and DiTech ( new company they sold to ) to look into and they said they would but of course they did not. This needs to be fixed and at the cost of Green Tree Servicing. I am not sure what part of the mortgaging company process I am suppose to check on this form but I am going to check loan modification though they scammed us in many other ways as well.
I notified PayPal of Identify Theft regarding multiple charges of credit card / PAYPAL theft by thieves that used it for XXXX gambling. I had to shutdown the compromised bank accounts ( XXXX XXXX ) and I had notified PayPal of the issue. PayPal has locked me out of my PayPal accounts and shut it down and still attempts to collect some sort of debt from me by calling my parents phone number everyday. I have no option to log in to pay the alleged debts or even speak with Customer Representative because I can not get around their system saying that I have an account there because apparently I don't even exist to them. Strange.
On XX/XX/XXXX, I initially filed a complaint with CFPB regarding XXXX XXXX XXXX, XXXX, Complaint # : XXXX, who was the company l received a letter from dated XX/XX/ and they listed Toyota Motor Credit Corp as the Current Creditor for Account # : XXXX, for a balance of {$11000.00}. After receiving from CFPB on XX/XX/XXXXnotification that my complaint had been closed due to a response from company. 

The response from XXXX XXXX XXXX XXXX XXXX, is that they have placed my account into a dispute status and requested validation information from the creditor. And I should receive validation information by mail from Toyota Motor Credit Corp.

As of today, I have not received any validation from Toyota Motor Credit Corp. Nevertheless, they continue to report negative information on my credit reports. I am requesting to submit a complaint with CFPB against Toyota Motor Credit Corp due to deceitful, unethical practices.
I graduated with a large amount of student loan debt from XXXX XXXX in XXXX, MA in 2009. Since graduation I have put my private loans in deferment and paid interest only payments for the past 6 years. Now, Navient is requesting that I pay {$1500.00} a month to pay off the rest of the loan. I told their customer service department I could not afford and they said well you can pay an extended payment rate of {$850.00}. I asked if the payment could be further lowered where I have spoken to several representatives. They first told me that I could do the {$850.00} payment only and nothing lower, then told me that might co-signer on XXXX of the loans would also need to call in for approval. When I called back they said that I made too much money to have the terms extended and that my basic life necessities left me with about {$1700.00} a month to work with, but their math only took very basic necessities into consideration. They said that their is now an approval process to lower my payment to {$850.00} but that I will almost certainly be denied, given how much I make. Given that my work is in freelance film and television production, I have to keep some amount of savings because while I work steadily there are times of the year I can not work. I have offered Navient a couple of times now a reasonable amount I can pay and they will not accept anything but the {$1500.00} a month, which roughly half of my paycheck every month. I am willing to pay them and I want to make a reasonable monthly payment but they told me that the only way I would have more options to repay my loan is if I went delinquent on my payments, which is something I do not want to do. I do not understand why they would want to make the situation more difficult and not try to work out a reasonable plan. I am at a loss for what to do about this.
Due to an emergency we had to try getting a loan and we went through inboxloan. The representatives rushed through the application making sure I signed things quickly by digital means. I even kept asking them if I could pay it off sooner to avoid charges and they said that's easily done. What they neglected to tell me is that to pay off the borrowed XXXX $ would cost me around 200-300 extra if it was paid in 1-2 months! If I stick with their payment schedule which goes for 12 months I would pay an extra {$3000.00} alone in interest and fees just to pay back {$550.00} with interest at over 700 %! I did not get the full details until the contract was signed and the representative pressuring me to sign quickly did not help with the stress of what was already happening. We live in Colorado and I know they have limits for such things but this company wants as much money as they can get and they dont care about the customers as long as they are paying them. How they are allowed to lend with such terms is beyond me and come to find out that they are also a tribal company. This still should not be allowed to continue ignoring laws of current states their customers reside in.
There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by synchrony bank. There are duplicate entries by bank for TJMaxx. XXXX of the XXXX entries by XXXX has been deleted but an extra one remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than 30 days ago and the items remain. Written information about dispute never received from company as promised.
Transunion and XXXX  continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.
My home was in foreclosure for a number of years. After trying to sell it by short sale, I requested a deed in lieu of foreclosure with my lender Wells Fargo. The request was approved by correspondence dated XX/XX/2016. I received a Deed and other transfer documents to execute and notarize. I returned the package to Wells Fargo on XX/XX/2016. According to the approval, I was awarded {$7000.00} in relocation expenses. My problem is that it has been more than 60 days since I executed the documents and have not received the promised payment.