WillisBack/dataset-financial-user-claim huggingface dataset:
While in my Chapter XXXX Bankruptcy, I had a payment that was to be cured within my bankruptcy along with paying my monthly payments on time every month. I have since been discharged from my bankruptcy effective XX/XX/XXXX. Immediately after my discharge Franklin American Mortgage began to contact me via telephone and mail stating that I was 13 payments behind. I have been going back and forth with them for the past 3 months trying to rectify this situation. I was told that from XX/XX/XXXX - XX/XX/XXXX, I was in default for nonpayment. I then sent them bank statement showing proof of me sending payments from XX/XX/XXXX - present ( XX/XX/XXXX ) and every payment was accounted for. They even sent me a transaction history showing and verifying payments for every month they said that I did n't pay. This has become very stressful to me and my family and I am at the end of my rope with this company. This company is incompetent and horrible at handling mortgages. Instead of someone speaking to me to figure out what is going on they all are telling me that I have not made 13 payments regardless of the proof I sent them or even the proof that they have sent to me.
I had an old  XXXX  prepaid account no contract because it was expired, and I was paying on a month to month basis. I had a balance of {$150.00}. which was paid from my account back in  XX/2012 .  XXXX  continues to place an amount {$450.00} on my credit report for a balance owed. I have filed a complaint with the better business bureau disputing the charge s in 2012 and t hey were removed. I provided screen shots of the payments being received by  XXXX  and they continue to charge for an amount that I do not owe.  XXXX  continues to place the account with different collection agencies on my credit report in which at this point  XXXX  refuse to remove it stating the collection account is valid after previous disputes from the past four years, which have been removed and recorded as being invalid. I have filed another complaint with the BBB today and still have documentation of the final payment being received by  XXXX  along with no active contract at the time back i n 2012. This ha s messed up my Credit report by adding it as unpaid collection account.
My mortgage loan was transferred from XXXX XXXX to Specialized Loan Servicing. On XX/XX/2017 I made my first payment to SLS. Since then, they have not reported to the credit bureaus that I am a customer of theirs. I called them on several different occasions. They gave me a diffrerent answer to this problem each time. Ultimately, they said that they do not report until after the initial 60 days following servicing transfer of the account. Well, the first time I called it was within this window, so I waited. Each time I called after that they assured me that they would report and did not. I am currently shopping around for mortgage loans and by them not reporting, this negatively affected my credit report. When you pull both mine and my ex wife 's, who is also on the loan, credit report it shows no account for SLS. Just the closed account from XXXX XXXX. This is also negatively affecting my ex wife 's credit as well. It has been over 2 months since the initial 60 days have passed and they still have not reported us as their customers. All I want them to do is report our account to the credit bureaus, but they seemingly are refusing to do this either to incompetence or maliciousness. I have no doubt that if I missed a payment or stopped paying them, that they would report with haste.
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator Ocwen, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator Ocwen, XXXX XXXX XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Hope you 're well, to whom it may concern, Earlier this year in XXXX and XXXX, I failed to make my monthly payments on time, I apologize I did n't have enough money to pay on time and also I did n't understand the impact of this as this my first credit card as I 'm learning the importance of it now. Please see the picture attached.
Threatened me by stating that they needed to motivate me. Threaten me by telling me that they know where I live and work. Stated that they would be filling a law suit and was informing me that they had filed for employment verification and intended on contacting my place of work. Contacted my ex wife threating her, would not state whom they were, told here they knew everything about me and where i worked and lived.
After years loan modification has damaged our credit, we have been stressed out, and we got XXXX time trail modification. We paid XXXX XXXX XXXX modification from XX/XX/XXXX- through XX/XX/XXXX with all hope and Affordability modification but after all payment SELECT PORTFOLIO SERVICING INC collected approximately {$34000.00}. We have not received affordable modification and, we believed they are violated the California law because they collected the money after 5 years expired statue limitation, my Account due date start XX/XX/XXXX. We did not receive an offer for the modification ; They did not increase the term, did not forgiveness,, did not principal reduction, and did not lower any payments. 
The SPS collected the money after California statue expired we have requested again after one year we received a new trial modification on XX/XX/XXXX and we have have to pay 3 month trail modification again, they will not increase the term, not give us forgiveness, not give us a principal reduction, or give us lower payments. Select portfolio servicing collect the money by new trick and never reduce the Affordability modification.
Synchrony Bank overcharged me by {$100.00} on XXXX XXXX, 2015 and has failed to refund my money. I keep calling them and they say they sent me a refund check but I never got it. I called numerous times. It is very difficult to get a hold of a person because of the way they have their automated phone system set up and when I finally do get a hold of someone, such as the last time I called, which was today, and spoke with XXXX, I got told things like, " we issued the check on XXXX XXXX, but please keep in mind that it takes 10 to 15 business days to receive the check ''. When I pull up the calendar and tell her that 10 to 15 business days already past last week, she says she is not the postal service and can not help me. When I ask her to confirm to me via email that this check was sent out she says she ca n't help me. So then I have to ask to speak to a manager and then get put on hold again. When the manager finally gets on the phone he tells me that the customer service representative gave me incorrect information and that the check was mailed XXXX XXXX and I should get it by next week at the latest. 
This has happened repeatedly. The overcharge was in XXXX and I have been calling Synchrony Bank numerous times since then.
My property has been in the Short Sale Process for over 2 years. They refused to accepted an offer that was submitted to them, did not counteroffer and closed the file. I filed a complaint with your department and they agreed to re-open the file. They have just informed me that the new offer we sent which was much higher then the previous one is too low and have closed the file and did not counteroffer us. After serious negotiations with the foreclosure dept. we were able to get my file re-opened and 15 days later they are attempting to close it again. My property is scheduled to be auction off on XX/XX/2016.
I closed a XXXX account on XXXX 2015 and it is showing a late payment on XXXX 2015. I called XXXX and they said I did not have a late payment and XXXX did not report that I did have a late payment. But XXXX Exuafax and XXXX says I have a late payment on XXXX 2015. I want this cleared off my credit report. 
Thank youXXXX XXXX
ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay.
XXXX XXXX ( case # XXXX that was the first claim against Ocwen. Now they offer a loan Modification & haven't heard from them their letter dated XX/XX/2018 is attached when I'll be faxing this to you.I 'm demanding some answers from them but they play the same game as the last time asking for more Documents I've sent them in three times no reply. I'm asking can you put some fire at them I've already had a lawsuit at them but it seems the judges went against me. I've represented my self in this matter with all other cases that were filed against Owcen. Their are son many cases against them in other states but it seems NY has good well scripted Attys that they overlook the truth. The mortgage is XXXX the house is only worth XXXX thank you I'll be faxing the papers to you.
I have applied for HARP Refinance with BMO Harris Bank. I was told you are eligible for HARP Refinance by Loan Officer. And gave me closing cost around {$1100.00} and 3.75 % 20 year. But Bank processed my application as conventional loan. And in closing statement they charge huge amount of money. I did n't close my refinance loan. I asked for refund {$490.00} which they charge for deposit but no response from bank.
In the l ast four days  I have been called repeatedly by  Navient that  my loans are ok, except fo r one that the Vice Presidnet of the  company decided to cut from my repayment plan because " my co-signer can afford to pay more than we had agreed to. '' Both myself and my cosigner, my mother, are on extremely tight budgets.  Navient ag reed to a repayment plan in   XXXX   XXXX   XXXX   with us and we submitted all requested documentation for all my loans.. In   XXXX   XXXX   XXXX   the harassing calls started and we were told that  one particular loan was rejected by the Vice President of Navient o n    XXXX   XXXX   XXXX    because he said my cosigner can afford to pay more than she already has.   We have been fighting with them since  XXXX  and they refuse to send either  one of   us a letter stating this or a reason as to why we were rejected on the  one loan   repayment. On   XXXX   XXXX   XXXX  , I was called and harassed  five times within three  hours that I must pay them an extra {$100.00} a month or they will file my loans as delinquent and demand full repayment of {$32000.00} on    XXXX   XXXX   XXXX    for this one loan that I have a cosigner for.   I have explained that I can not afford to pay this extra extortion on top of the {$510.00} a month I pay. This is an undue economic hardship and it is extortion to demand that I pay them extra or they will call the full {$32000.00} due in less than a week. When I asked what my options were, I was told " we do n't have to do anything for you, this was a courtesy call to inform you that your payment must increase to stay out of default status.  '' Navient uses  an autodialer, and calls me from several different numbers that are from across the United States. I asked what numbers I am supposed to reply to and why they call me from Virginia, Texas, Tennessee, New York, Florida, and Delaware and they told me " that it was none of my business so long as I keep paying my loans. '' I 'm unable to continue to repay them at these rates when I already work full-time, but I know they are trying to coerce me into paying more so they can make a profit.
I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.
- Had to get a new account last year ( 2014 ) due to fraud. 
- I had a line of credit attached to the account that had to be closed, and was denied application for the same line of credit on my new account. 
- XXXX month after closing my account and being sure that all my automatic payments, etc., had been updated, I went to a Citibank branch to close the account. 
- I explicitly asked if my ability to repay the balance on the line of credit would be affected, and was told, definitively, " No, it would not. " - The automatic payments that I had setup in those XXXX months from new account stopped processing because the line of credit was closed. 
- When I realized, I called the bank and tried to setup automatic payments again. I was told that they were setup, and I had a XXXX late fees taken back by the bank. 
- Months later, I got a notice stating that I had missed XXXX payments in a row ( did not receive intermittent letters before then ) ; I had n't noticed because ( 1 ) I was told that automatic payments had been setup, and ( 2 ) I no longer have access to the account online so could not check to see if payments were being made, and ( 3 ) did not get a notice from the bank until XXXX payments were missed. I tried to have these late payments taken back, but was denied. 
- It was at this time that I spoke to the collections dept, and was able to negotiate an agreement whereby I made XXXX specific monthly payments that we set up on the spot, and then I would have my account brought back to current, and then I could go about making regular payments again. 
- While paying the debt-collection payments setup by the bank over the phone, i continued to receive late payment charges, even though I was paying EXACTLY according to the plan they setup ( there was literally no other option without me calling to cancel, which did not happen ). 
- Tried to get those late charges taken back, and was denied, despite the fact that it was clearly the bank 's fault. 

This has affected the amount of interest I 'm being charged, my overall balance due to late fees, and my credit score. I would sincerely like to change banks, but the switching costs are prohibitive due to my affected credit score, and my worry that I will not be able to make payments on the closed account with a non-Citibank account.
I have disputed this account as inaccurate. XXXX  and XXXX  continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. 

I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( XXXX & XXXX ) to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to resolving this matter ASAP.
I was delinquent in paying a debt to XXXX XXXX XXXX XXXX for an emergency ambulance ride. Incidentally, I did call the Fire Department directly shortly after the date of service and attempted to pay over the phone. At that time, they did not have an electronic system in place to accept payment via debit/credit card and requested that I send in a check, which I did not do. I called back last month and attempted to pay the debt directly to them and they advised that they had already sent the account to collections with National Business Factors. 
As the debt was sent to National Business Factors , Inc., I was contacted via writing by them. Within ten days of receiving their collection letter, I contacted National Business Factors , Inc. directly and paid the original debt in its entirety. I refused to pay the interest as I did not enter into a contract with National Business Factors , Inc. and felt I had paid the bill completely. The bill from XXXX XXXX XXXX XXXX was for {$350.00} and on XXXX/XXXX/2015, this amount was paid to National Business Factors , Inc. 
I continued ( and still do ) to receive phone calls and letters from the collection agency threatening to ruin my credit if I do not pay the interest, which they report continues to accrue daily. 
I have contacted the collection agency on numerous occasions citing my belief that legally I do no owe this debt as I have not entered into a contract with them, therefore they can not charge me this interest. I have consulted the internet and state laws to learn that I am not legally responsible for this debt. They are aggressive with me when I attempt to communicate with them and continue to threaten my credit worthiness. 
The amount in question is only {$25.00}, though that compounds daily so is likely higher at this point. I am protesting out of principle, certainly not out of inability to pay the amount. I disagree with their collections tactics and do n't feel I owe this debt. 
Is it legal for a XXXX party collection agency to hold me responsible to them for their interest after the debt has already been paid off completely? And continue to compound the debt after the original debt has been paid? 

I 've attempted to attach supporting documents such as the original bill as well as evidence of payment and letters from National Business Factors but this system will not allow PDF files to be uploaded - I tired XXXX times and it freezes the system. I 'm happy to provide documentation if requested via email attachment.
Loans were taken out in my name fraudulently by XXXX / XXXX between XX/XX/XXXX - XX/XX/XXXX. These include federal, private and military loans. I have tried to combat that, and the issue is n't moving. My loans were listed XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX+ loans in my name, Many with no signature, I ca n't get approved for anything.
I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XX/XX/XXXX, but all payments were made on time until XXXX XXXX when I lost my job. XXXX has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. Equifax has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.
The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation
See original complaint  XXXX  about MUFG UNION BANK , NATIONAL ASSOCIATION.     The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process.     I told them this was unacceptable, on  XXXX / XXXX / 17 , and they have not responded.
While reviewing my AMEX SERVE account, I noticed some charges that I did not make. I called customer service who put me in touch with their fraud protection division. I asked for a review of the {$160.00} charge to XXXX, a company Inever heard of, and they suggested I close the account and get a new card. The next day XX/XX/XXXX, I received an e-mail saying my dispute was declined. 1 minute later I received another e-mail saying my account had been locked and suspended for violation of the card agreement. I sent a letter asking for proof of the charge but have not yet heard back. OnXX/XX/XXXXI called to find out the status of my new card but was told only that my account was suspended for improper use. AMEX suspended my account at their suggestion since we thought the account was compromised. Yes the card was used in violation but NOT BY ME. AMEX has not provided documentation of the charge in question and decided to not send me a new card without informing me.
In addition to charging 22.99 % interest, which I thought was usury and therefore illegal, Credit Acceptance has added over {$500.00} to what I owe, and refused to explain why. I openly entered into the agreement, so I am not looking for a remedy for the crime of usury. 
I have been making extra payments nearly every month for eleven months. According to several amortization calculators that I have used I should owe {$820.00} effective XX/XX/XXXX. According to the person who I spoke with on the phone on XX/XX/XXXX, my payoff balance as of XX/XX/XXXX will be {$1300.00} and will continue to increase until paid after that date. 
I previously called and asked for a breakdown of what I have paid and what portion of the payments went to interest and what part to principle. They sent me a list of the payments that they have received. It agrees with my records, but they did not explain the difference in our calculations of a payoff amount. 
I think I made myself more clear to the person I spoke to on XX/XX/XXXX, and he refused to send me any additional information.
I was ordered to leave in 24 hours and break my lease at a rental property. Ileft and they are charging me XXXX. My rent was paid and the place was in good condition and now they won't give me a breakdown. there was no break lease fee or in the lease or rent payment due but yet they are charging me for it. I have tried to resolve this with them but had no success.
I borrowed XXXX dollars from Big Picture Loans.I have already paid them XXXX dollars. I asked them to send me my interest rate after 2 weeks I received it. They want to charge me XXXX dollars for a XXXX dollar loan. This is robbery.and I do n't know how they can do this legally. I can not pay this kind of interest and would appreciate your help. Thank you