WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account. 
The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX of every month starting in XXXX they would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX on one account and XXXX on another leaving me with a XXXX balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that XXXX XXXX does not have my backing information and continue to deduct any more checks.
Bayview Loan Servicing , LLC ATTN : Customer Service Department  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX  , FL  XXXX  They consistently misapply or do not apply payments. We pay more than what is due and they put the extra in unapplied funds. We are years ahead on our mortgage and they send statements saying we owe  two or three  months. I have called and was told it is not a problem as the website has the correct amount.   Today I called and their automated system asked me to pay as I owed for  XXXX  which was already paid and applied. I had received a statement showing they got the payment and now today another statement showing they got the payment and I owe two months. Last week I got a statement that I owed three months and  XXXX  's money was received.
I have submitted documents for consideration of modification to my mortgage servicer multiple times and they say that they did n't receive all of the documents, or that the case was still under review. I have received multiple notices of my " Relationship Manager '' being changed from the servicer, Select Portfolio Services. They have listed the wrong dates on when they received my documentation ( XXXX should have been XXXX ) and have said on multiple calls that my case was " under review ''. Recently, they closed the review and have a foreclosure sale scheduled, despite my many attempts to pursue home retention options. They have acted in bad faith. I was told that my only option was a " cash for cooperation '' program and tha an inspector would contact me to schedule an appointment to evaluate the value of the property. After not hearing anything for a week, I called the servicer again ad was told that the customer relations specialist " must have forgotten to send the email '' to the department that schedules inspections. I have filed for assistance with my local Clerk of Courts for foreclosure mediation. The servicer can not give me a firm timeline of when I would have to vacate the property. I can not move forward in finding a place to live without a timeframe. I asked to speak with amanager after not being able to get answers and was told that my case would only be escalated for review if I had a solid offer on the home from a qualified buyer.
I just want to make the Bureau and others aware of the shady practices of the Old Navy Credit Card. I got the store card to use when it would save me money which was only on certain days on certain items, so I used the card rather infrequently. Because of the infrequency ( Maybe 3 times a year ) I requested that I receive paper bills, so I would remember to pay it. An alert popped up on my credit tracker yesterday and upon investigation I had a bill from 9 months ago with Old Navy that had been stacking interest and late fees. When I called I was informed that because my card was used so infrequently my statements were changed to electronic only without notifying me. They said they were being sent to me via email. Which is of no use because it goes to a spam account that I rarely check, thus why I never requested electronic statements. 

I feel that it is an unfair practice to change from paper to paperless without notifying the customer. When I expect my communications to come via mail, as requested, I do n't look anywhere else for them. Also in the 9 months, I never received a phone call, or a letter in the mail. I would assume after so long they would make attempts to reach me by other means. I believe email should not count as a method of reaching me as we all know many people do n't check those types of accounts or it gets caught in spam filters. 

My initial bill was {$19.00}, my current bill was {$120.00}. Upon calling they reduced it to {$60.00} which I was fine with paying. I understand there was also some negligence on my part for not remembering to check shortly after I had made a purchase, but I had established a system where I should not have to do so. It was mostly due to the deceptive practices of the bank. As of now I have resolved the issue, if the delinquency appears on my credit report, then I will be pressing the issue further. I want to make others aware so they can be on the lookout and be aware of these types of practices, and I would like for the government to step in and evaluate the ethics of these types of measures.
I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.
I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.
MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE
I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.
On XXXX XXXX, XXXX Bayview Loan Servicing LLC ( BV ) took over servicing of our mortgage from XXXX XXXX. On that date an escrow account balance of {$560.00} was transferred to Bayview. An Annual Escrow Account Disclosure Statement BV sent dated XXXX XXXX, XXXX had sections listing Escrow Disbursements and Projected Escrow Activity, but the Account History section is blank, thus failing to provide us with necessary information on all escrow activities from XXXX XXXX to XXXX XXXX. A statement dated XXXX XXXX, XXXX is missing account history from XXXX to XXXX XXXX. These XXXX misrepresentations are in violation of RESPA. 
When I called BV requesting the missing escrow account history they said I would have to write a letter to BV Customer Service Department. Sent a letter dated XXXX XXXX, XXXX. We received a response dated XXXX XXXX, XXXX ( mailed XXXX/XXXX/XXXX ) from a XXXX XXXX, Case Manager in the Customer Service Department at BV. It stated that she " enclosed a copy of the all escrow account disclosure statements conducted Bayview for your review. '' ( The poor sentence structure is hers, not mine ) and, " Enclosed is a copy of the Account Activity Statements as it provides a detailed accounting of all transactions and their effective due dates for your review. '' What she sent was a copy of the statements that we already have. There was no acknowledgement of our actual request. So they have still neglected to provide an accounting required by law for the period from XXXX XXXX to XXXX XXXX. Their response indicates that they do n't intend to. 
I called BV again and asked for XXXX XXXX. They would not connect me to her and would not agree to send the required information. The person I spoke with said he ca n't get it, but he did n't make any attempt to do so. 
The records we have for our mortgage loan are still incomplete and we are unable to view the records of how BV handled our escrow.
Navient states that there is options for repayments on my high loans. When I called they claimed there were no options for me. When I stated that their site stated that Navient offers repayment option and that I needed to call, I was informed that I was mistaken.
Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU
Here is my story. When I enrolled into XXXX XXXX College. ( 4 year program ) I was told what my final cost for the 4 years would be and what my monthly might look like. And was told that I would be able to find a job right after school so the payments wouldn't be something uncomfortable. Lies, After graduating from XXXX XXXX College I went a year unemployed looking for a job. I thought it was only me but a lot of my classmates were in the same situation taken on odd jobs that has nothing to do with our major or in or career of study. By the time that I finally landed a okay job. My debit has increase and payment were unfair. I am about 5 years out of school and my payments are about 1k a month. I feel as if going to college was the worse thing I have ever did in my life. Everything that I earn goes to paying my loans off. I am anxious to settle down soon, buy a house and start a family but this is not the america that my parents grow up in. Times are harder and unfair for kids trying to challenge themselves and going back to college. Going to college a sort of curse now because of the debt that you are left with after graduation. I just don't think it is fair to charge so much money for student loans to people that can not offered to pay all of it back.I am now XXXX years old. I can not buy a house due to my debt to income ratio. If the school and lenders told me the truth on how much I would owe today. I would have looked for an alternative. Because the job and the amount that I am making now could have been made becoming a XXXX XXXX right out of XXXX school. I thought getting my XXXX degree would be some help in my income. But nothing has change. I am still being offered the same type of jobs and making the same salary and now getting more pulled out of my personal account for my student loans. At some point I finally got one of my parents to co-signer to help me consolidate my student loans which now just hurt their credit and debit to income ratio as well. XXXX XXXX  interest rate is not far at all and that is the only bank that accepted my application to consolidate. At this time I believe that college wasn't worth it because of the amount I owe back and can't pay. I have to put my life on hold at the age of XXXX because of school. I can't offered to start a family or provide shelter because of the amount of money that I owe the bank and government. I believe that they should give students a break. 

Navient is another loan that I have been having issues with for sometime. I join the income repayment plan a year or two back. But there was 2 cases when they reached into my account and emptied out my savings and left me with nothing without my knowledge or notification. I was put in the negatives in my personal account with no explanation to what happened. The same account that i use to pay for my car loan, groceries for my family and etc. When I finally got down to the bottom of the situation and reached out to Navient they said they would return the money but it would hurt me, and at the same time my personal bank account has already charged me with a negative fee. So I am in the hole either way that I go.
My loan was transferred to Nelnet. I was not notified. Upon looking a bank statements I realized my auto pay was not being taken out. I contacted the original loan holder who said my loan was transferred. I have never been late on a payment. I contacted Nelnet and they said my payment was late and they would waive my late fee. They asked if I wanted to set up auto pay and I agreed. I just called them to find out why the withdrawal never came out of my account and they told me I didnt follow the email. They never told me about an email. They took the one payment without an issue. I explained to the manager XXXX   from XXXX, Nebraska who informed me that even if she listened to the recording of my first call when I set up a payment and auto pay, and found that I wasnt informed on how to set up auto pay I would still not get my late fee back even if I wasnt told about the process when I was under the impression that it was set up considering I had given them all my banking information checking number and routing. So even if they were wrong in conveying the steps I was still paying a late fee. I have never been late on a payment before having to deal with Nelnet
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST
Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, XXXX and TransUnion, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
1st Issue : Our mortgage was bought by another company during our time working overseas. As such we received notification late as result missed a payment on mortgage that we have had for 10 years and never missed a payment on. Due to our payment history on the mortgage and result of the mortgage changing ownership, don't think its fair to report the missed payment to credit bureau. Would like cfpb to look into removing this from our credit record. 

2nd Issue : We have had the mortgage for 10 years on 30 year mortgage and mortgage company is still reporting 30 years to maturity. We filled several letters to correct this still haven't.
i found a collection for {$240.00} on my credit report from TORRES. 
i was never once informed about this debt, and now it randomly appeared on my credit report as a collection. 
I believe this is a false report.
Bank of America has repeatedly changed my account for unnecessary fees. In  XXXX   XXXX , The account was accessed  XXXX  unlawful {$10.00} charges. In  XXXX   XXXX , I was accessed {$10.00} for multiple withdrawal charges. The bank separate the atm charge from the transaction to access this fee.   For the last months, different Bank representatives stated that a Manager would call about the  XXXX  fees. The manager call was never received. Lastly,  XXXX   XXXX  a {$5.00} charge was accessed to my account. I called customer service, the representative stated that it was a mistake. I have lost all confidence with this Bank.   On  XX/XX/XXXX , I called the bank. The representatives refused to forward my concerns to a Manager. I was told the account agreement bans from asking question abouts these fees. The representatives refused to provide the information to identify the workers. The last representative  (   XXXX  ;   XXXX    ) continued playing games and wasting time. I requested a Manager or the depart head, she stated " I 'm the supervisor, manager and department heading ''. The conduct of these representatives are totally unprofessional.     Bank of America has also refused to extend credit for  XXXX  credit cards. I 'm flabbergasted because my income and  credit score  (  XXXX  +  ) is at the  top statistical analysis for credit.
Received an incoming call from a local phone number ( XXXX ) XXXX. Attempted to reach the number back, but unable to receive incoming calls. Received a voicemail that had an " unknown '' listing as number called from. Per the message, someone was trying to confirm my availability to send documents to be signed for litigation and garnishment purposes. Called ( XXXX ) XXXX and spoke with a rep named XXXX who by the way only answered the phone by saying " Litigations, how may I help you? '' Stated she was my account manager. She began to speak on XXXX accounts from US Bank ( XXXX, and XXXX ) that both closed in XXXX and was charged off back in XXXX. When I asked when did her office obtain these closed accounts, she stated about 60 days ago. Not to mention those accounts were included in a Chapter XXXX bankruptcy on XX/XX/XXXX, and XXXX on XX/XX/XXXX. She proceeded to say they never got any notice and garnishment forms will be forwarded to my place of employment. Never did she ask to confirm my address, only that the balance due with interest in {$2800.00}. She declined to obtain my attorney 's name and contact information, or even the case number. She said he will need to reach her. Now I 'm puzzled because it dawned on me, this number is clearly unlisted as I 'm on someone else 's phone plan. I asked where was the initial notice, she told me to have a great day then hung up. A few hours went by, and I called back, after I called US Bank to confirm the selling of an account after bankruptcy. They confirmed they do not outsource accounts, especially after stay granted by the state. The party from the litigation 's team declined the name of the company for online review, but instead called me a criminal once I said the call was being recorded for my protection. Stated I was breaking the law, and was not permitted. When I asked was he recording me, he said only criminals do that. And my reply to that was, for your protection you should, especially if you 're throwing around court litigation on accounts that were discharge back in XX/XX/XXXX. I asked about statutory limits on collection activity, he said you still owe. I advised him he 'll never get paid, again calling me a criminal.. I hung up the call. I called a third time, and spoke with a different rep, who was very hesitant to provide the company name, until I acted like I wanted to pay and discovered the name to be XXXX, CA. Once she realized I was n't falling for it, the call was transferred mid call to the original " XXXX '' who began to argue with firmness. I disconnected the call and found this site from a previous complaint from Google.com
I had XXXX accounts with the collection agency. I agree to pay for the accounts. They told me that there policy was to pay on XXXX account, until it was paid off then pay on the other XXXX.
Penn Credit agreed to remove a collection from my XXXX and XXXX credit reports when a collection was paid off. After repeated promises that it would be removed, it has still not been removed
CAPITAL ONE CHANGED THEIR COMPUTER SYSTEM WHICH PREVENTS ME FROM ACCESSING MY ACCOUNTS. I HAVE SPENT TWO DAYS WITH 3 DIFFERENT REPRESENTATIVES. THEY SAID THEY SEND AN EMAIL WITH CODE. THEY DO N'T. ASK THEM TO SEND TEST EMAIL, THEY WO N'T ; ASK THEM TO SEND ME A WRITTEN COMPLAINT FORM TO MY HOME THEY WO N'T. I WANT ACCESS TO MY ACCOUNT S!
I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection.