WillisBack/dataset-financial-user-claim huggingface dataset:
SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property
I suffered a XXXX 8 yrs ago and requested a XXXX discharge from my student debts. Due to an error in the national student debt database, my request was denied. Representatives at the Dept of Ed and Nelnet have explained the root of the data error, but each one has claimed to lack the authority or ability to correct it. Their inaction has cost me $ XXXX+ so far, and I have 13 years left on my loan. 

The representatives say that, when I consolidated my loans with my husband 's, the lump sum was entered into the national database under his name, and my loans were inaccurately marked as " paid in full '' rather than " transferred '' or " consolidated ''. Somehow, when monthly payments are due, the Accounts Payable Dept at Nelnet is still able to track my liability for the consolidated debt. When I request relief, however, the Debt Discharge Dept contends I have no debt from which to be discharged. 

The representatives have explained that, for purposes of discharge, I need to find a member of their staff who has the authority and ability to override the error in the database and recognize the portion of the debt that originated with me. XXXX Dept of Ed Ombudsmen and several Nelnet representatives all claim to lack the authority or ability to execute corrective measures. 

My husband and I have submitted applications for relief due to disability and hardship, on behalf of each of us as individuals and as a couple, to Nelnet and to the Dept of Ed. We 've participated in XXXX appeals through Dept of Ed Ombudsmen, and even though the US Dept of Civil Rights has a webpage dedicated to this issue, our Complaint was rejected based on " lack of jurisdiction ''. 

Where do we turn next? 

We 've been fortunate through all of this, to be able to continue to raise our children and pay our medical bills ; but we had to sell our home of 15 yrs, and our savings are gone. Miraculously, I have healed so substantially that I was able to go back to work this year. Please help me resolve this issue so, at XXXX yrs old, I can gain financial stability and have a fresh start at my new life.
I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards. 
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest. 

When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.

I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX
I have several accounts on my credit report that do not belong to me : Experian : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I was notified by mail On XX/XX/XXXX that a writ of garnishment was being filed on me. I do not know who the original creditor was. The letter seemed to be from the XXXX XXXX County Clerk of Court in XXXX XXXX, FL. The amount that is being garnished from my account is {$2000.00} dollars. The letter stated that I had 20 days to reply to the letter before any action being taken. Along with the letter was a claim exemption form that I needed to fill out and send to the Garnishee ( My Employer ) and the Attorney for the Plaintiff which I did within the given time frame. 

I received a second letter that was dated five days later stating that the garnishment went into effect immediately without them waiting for the given time frame to expire and without getting my response or claim exemption form first. As I checked my pay stub, it shows that my paycheck was garnished {$240.00} for the pay period. I am furious, and disturbed that this can happen to the head of a household that earns less than {$750.00} per week. I need help and answers. The Plaintiff that is garnishing my wages is XXXX XXXX. 

* To further make matters worse, the correspondence that was sent to me has my first name misspelled. This may not even be a debt that I owe or that is even my own.
On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
So my wife and I switched from XXXX to XXXX, and XXXX advertised that " we 'll pay your early termination fee ( ETF ) ''. So we went there and we followed all the steps for them to pay our ETF, and now we 're getting calls from the CBE debt collection agency about a XXXX bill that was never paid. So I called the main office number and the female representative said I should of received a prepaid debit card with the money on it and that I should of paid the termination fee myself and use the card for what ever else. So when I called the store where I pay my bill at the male representative said " well, how it usually works is you pay the termination fee and we reimburse you with a debit card. '' I told him " that was never explained to me when I decided to choose XXXX and if that was the case, then why advertise that XXXX will pay your ETF when I have to pay it myself? '' The representative proceeded to tell me there is nothing tmobile can do for me due to it being passed the XXXX day limit to request a ETF yet I followed the steps that the representatives told me to do. Now my grandmother-in-law and myself have marks on our credit due to the lack of knowledge XXXX failed to provide me with and set XXXX up for failure and the false advertisement that they 're still advertising to this day. Can someone help me or at least point me in the right direction to take care of this problem?
I issued a Check for {$7100.00} against my account, deposited in another Bank. 
Citibank returned the check as Has insufficient fund. 
This was not correct as I had some {$25000.00} in my debit card account, This money was with Citibank for more than one year. 
I asked a explanation, but nobody ( 4 different Managers ) was able to give one. 
They said that my account was blocked, but no explanation why was blocked, who had blocked, and no any information or communication about the block. 
3 day later they unblocked the account also without communication or justification. 
I asked for a letter to be sent to the bank where my check was deposited explaining that was a Error of Citibank the check return. They refused saying that was my error. How is possible If i had 3 times the quantity of the money available at my debit card account.
On or about XX/XX/XXXX I was notified by my lender that two tax liens from the State of XXXX appeared on my credit report. The Equifax credit score was XXXX. The tax liens were paid and released in XX/XX/XXXX. I filed a dispute with Equifax. On XX/XX/XXXX Equifax notified me in writing that the dispute had been investigated and completed. The results were that the tax liens reported on my report was updated report satisfied/released. I asked Equifax if they would contact the lender to update the report and credit score. Equifax stated that they could not contact the lender, who pulled the credit report, nor could they give me the new credit scores without paying {$7.00} and waiting 7-10 days for the score to be sent via us mail. The Equifax credit agent told me to have the bank re-pull the credit report to see the updated information. The bank re-pulled the credit report and discovered the following ; 1. The credit update was only made to my report and not my wife 's report as requested. 2. The credit score went down from XXXX after the two tax liens were removed from the report. I made several attempts to gain an explanation and get the credit scores to reflect the removal of the negative information, to no avail. Equifax stated that when the bank re-ran the report, as they requested the bank do, the credit score went down. This makes no sense. How does a credit score go down after negative information is removed?
I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.
I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over {$300.00} higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology.
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is Hayt, Hayt & Landau PL in XXXX.
I am responding to the response I just received from case # XXXX, Nationstar Mortgage. They indicate that my loan is in foreclosure and no portions of the amount due will suffice. only the full amount. This is truly a case of predetory lending since my loan became delinquent in XXXX XXXX and in XXXX I sent a payment, in XXXX/XXXX/15 I sent a payment and I sent XXXX more all totaling {$11000.00} and they were returned way before my loan supposedly went into foreclosure. One of the representatives that I spoke to whispered to me on the phone, '' if you want this to stop, call an attorney ''. The reason that I have not called in an attorney yet is that I thought I could handle something like this on my own. Obviously I was wrong. I need you to see this for what it is. ILLEGAL. 
Why woulda mortgage co. not accept payments on a loan that is three months behind? This is what I want you to find out for me..
I noticed on my credit report medical bills that were placed on my files with XXXX, XXXX, and TransUnion that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
I frequently purchase XXXX gift cards from my local grocer. These cards are issued by US Bank. Recently I had a total of 6 cards that were " compromised '' within a day of me purchasing them. I always examine the packaging, so I know this was not a case of them being tampered with in the store. This has happened to me and others many times, as the sequence is laughably weak on these gift cards. The security measures to prevent people from brute forcing card numbers is nonexistent. All of my cards which were compromised shared 12 out of 16 numbers, in some cases 13 or 14 numbers were shared. 

When these cards are compromised, the process is fairly easy ( I guess because they 're used to dealing with it happening ) to " lock '' the card so no further fraudulent transactions can be made. The process for asking for a replacement card is much more tedious, and can take months to complete. Not only that, when you receive your replacement card, it will have {$6.00} taken off of it as a " fee ''. This is not acceptable in my opinion, and borderline fraudulent. They reap probably millions in fees because they do n't take the necessary precautions against people obtaining and being able to guess their card sequencing. 

For this reason, I have opted to pursue a resolution to my compromised cards through the CFPB rather than reaching out to U.S. bank and waiting for months to receive less than I originally paid for on my cards. I am attaching scans of the cards and receipts where they were purchased by me. Please reach out to me if you have a need for further information. I am expecting a total of {$3000.00} in replacement cards from U.S. Bank and any less is not acceptable. 

It is my hope that with complaints like this, they will see the flaws in their security and having to answer for these flaws will prompt change in their process. 

Thanks
I feel I have been given inaccurate information on my account. I do n't agree with the fees that they charge. I struggle to pay on occasions. I feel like this loan should have been forgiven, because of the circumstances of my leave from college. My daughter was diagnosed with XXXX and I had to take a permanent leave from school to take care of her situation at XXXX XXXX in Tennessee. I have tried to work with the company a numerous amount of times, every telephone representative tells me different things. Some say they could readjust my payment and other say there is nothing they can do. All in all, I feel very frustrated and stressed about it.
I received a report from Experian stating I received a negative report on my credit history. I contacted them and Experian sent me a report from Experian  XXXX   XXXX . The report lists a Late rent payment made in  XXXX    XXXX   to management of  XXXX   XXXX .     I am not the responsible party for the late payment. I attempted to make direct payment by check to their office several times, as I have always done on prior occasion, to no avail.      1. Exterior  " after hours '' payment drop box was fixed shut so as not to allow direct payment via this method ( as normally done for previou s two years ).     2. Office was ( understandably ) close d on  XXXX   XXXX   ( d ue date ).    3. Office w as also closed all day Monday,  XXXX   XXXX . I attempted payment delivery before going to work, and again after work  4.  On  XXXX   XXXX , I again attempted payment delivery around  XXXX  before going to work but office was not yet open. Upon return after work around  XXXX , I yet again attempted delivery but office was closed.    XXXX . On  XXXX   XXXX , I delayed going to work until office opened at  XXXX  and handed payment to office personnel, then went to work late.     The following day I received a rather unseemly note attached to my door stating that my payment was late and must be payed immediately by cashiers check to also include a late payment fee of {$120.00}, even though my payment had been accepted by office personnel the previous day. As a resident of this facility for some three years, having always paid my rent on time, and given all my attempts to pay on time in  XXXX , plus the fact that the " after hours '' drop box was disabled AND the office was actually closed and not accepting any payments for  two of the first three da ys of  XXXX , I was completely dumbfounded by this response and advised management so. At that time they apologized and told me my check was accepted and rent was considered paid.   However, the following week I was told that I still must pay the late fee of {$120.00} even though management had made the possibility of punctual payment near impossible.     I judiciously try to maintain a credit rating above  XXXX  at all times. I fully believe I made all reasonable attempts to pay this account on time and feel it is management 's mutual responsibility to take measures making client payment as convenient and reasonable as possible as well. It is unfair to taint my credit history with a late payment solely as a result of management 's measures to make client payment so very difficult.
Letters regarding inquiries found on my credit were submitted  XXXX  on  XXXX , and Equifax on  XXXX .  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from Equifax nor an update.
I had {$6400.00} deducted from my checking account via Pay Pal unauthorised and closed my checking accoun.t I reported fraud to Paypal and have to wait 10 days for a response meanwhile Paypal are waiting for a response from the thief. His email is XXXX I attmpted to close my pal pal account down but they will not allow me, and I do not wish to use Paypal ever again.
On XX/XX/XXXX I applied for a XXXX credit card through Chase financial. They advertised a promotion that allowed me to earn XXXX points if I spent XXXX in the first 3 months of having the card. I meet all the  qualifications of the deal but I was only awarded XXXX and  was given a {$250.00} credit on my bill. On XX/XX/XXXX I contacted Chase to try and rectify the situation but was told that since I did n't call within 90 days they would not honor the promotion anymore.
Medical Billing XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : This letter is to complain about XXXX bills I recently received from XXXX. I called XXXX on XXXX XXXX, 2016, to find out how to deal with a problem I 've had with these XXXX bills. 
The XXXX police handcuffed me and forced me to the hospital because I was XXXX. When I arrived at the hospital, they handcuffed me to a chair while some staff asked me some basic profile questions. The cops then proceeded to take me to the XXXX where I met the XXXX who finally XXXX. The XXXX took me into a plain office and just gave me a tissue and asked me a couple questions about my profile. After five minutes, I was told to wait outside while the cops casually planted themselves in chairs to relax thinking they would be there a long time. The XXXX said I was fine to go and the cops quite surprised, proceeded to handcuff me and make me wait upstairs while they went to the cafeteria to get food. At this point, I had not eaten all day and just thought how my friends and family were probably wondering where I was. I realized I was taken to the hospital so the officers can get food and relax while I just got a XXXX. Less than one hour was spent at the hospital where most of the time was spent with me waiting handcuffed or watching the cops get food. I spent only fifteen minutes or less to myself in a XXXX and answer a couple questions and I refuse to believe any of that qualifies for an emergency room bill for {$1600.00} and emergency visit for {$140.00}. It is completely absurd and outrageous considering neither was any emergency at all and all I was given was a XXXX. 
After I had been on hold for several minutes, a representative came on the line. I tried to explain my problem to her several times and she interrupted me to say she could not help me and to write a letter explaining my situation. Needless to say, I was quite frustrated. I do not want to spend any more time on this problem and I am including these XXXX bills to be cancelled. I will be informing my friends, family, lawyers, and if necessary, forwarding all this information to the executive staff of this company and NY XXXX XXXX XXXX about this matter. 
Sincerely, XXXX XXXX
For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.
Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
I have opened a case with the  XXXX  major credit bureau about  XXXX  credit card being aged & on my report for more t han 7.5 ye ars. All credit bureaus with the exception of Equifax have removed it from my credit profile but under FCRA it states " consumers reporting agencies  may not report outdated negative information. '' I received a copy  of my credit report from Equifax and they are the only credit bureau who has the date of last payment wrong. So either  XXXX  credit card have a discrepancy with Equifax or Equifax has the data wrong and by law it needs to be removed immediately. I will file a law suit with Equifax and  XXXX  but I 'm bringing it to the attention of the Attorney General & CFPB for help in getting Equifax to abide by the law.