WillisBack/dataset-financial-user-claim huggingface dataset:
This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
In XXXX, XXXX XXXX XXXX XXXX XXXX, filed a foreclosure action against me and my husband. A Final Judgment of foreclosure was entered since we did not get notice of the hearing date. My husband and I were able to reinstate the loan in the amount of {$56000.00}, made payable to XXXX XXXX XXXX as the loan servicer. We were given the amount to reinstate the loan from Impac Mortgage Company since they were the trustee for this loan. The Final Judgment was vacated on XXXX/XXXX/XXXX, ( attached ) and we kept waiting to get the new payment amount, which never came through, despite repeated requests. ( attached ) Despite not having a new payment schedule, we kept paying whatever was requested initially : XXXX XXXX, XXXX - {$4100.00} - online payment XXXX XXXX, XXXX - {$5600.00} - online payment By XXXX of XXXX, the payment had gone up to {$19000.00}, which we could not pay. 
We kept receiving notices from Impac Mortgage Company to assist with the loan modification, and since we were getting nowhere with XXXX, so we contacted Impac Mortgage for the modification assistance. 
On three separate occasions, Impac Mortgage requested a fee for the modification, which was paid on the following : XXXX/XXXX/XXXX - {$2300.00} modification fee - {$1400.00} on a credit card and {$900.00} on another credit card. The loan modification actually went through and the paperwork was signed and submitted to XXXX XXXX XXXX with a payment amount of {$2200.00}, which was accepted as well as the second payment of {$2200.00}. I made the third payment of {$2200.00} ; however, XXXX XXXX XXXX refused to accept it. 
XXXX/XXXX/XXXX - {$2200.00} modification fee - credit card payment XXXX/XXXX/XXXX - {$2400.00} modification fee - paid by check ; everything was submitted as requested but Impact kept changing their mind of how they wanted the funds received. One letter stated the funds could be sent by check and then another correspondence was the funds had to be certified and/or wired. Even though a check was sent, it was then refused. 
By XXXX XXXX, another foreclosure action had been filed. We attended mediation where we were to submit the required documents. We then went to trial on XXXX XXXX, XXXX and we were given 150 days to complete the modification. Despite from the time of the first mediation in XXXX XXXX until XXXX XXXX, XXXX, we submitted the modification packet no less than 15 - 16 separate occasions Despite all of our efforts, we were notified on XXXX XXXX, XXXX that loan modification was not approved. feel as though I have been completely scammed by both XXXX XXXX XXXX and Impac Mortgage. Both kept dragging this process out and increasing the interest rate and the fees to make it impossible for us to keep our home.
I received a phone message from Arcadia Recovery Bureau saying that they were looking to speak with me about owed debt. I called the number back, and they had my name, address, phone number, and date of birth. They then said that they were calling about {$3200.00} that I owed to XXXX XXXX. I finished my treatment with XXXX XXXX in XXXX of 2015 and paid in full throughout my treatment. However, to be on the safe side, I contacted the billing department at XXXX XXXX and was told that my account has a {$0.00} balance, and I owe them nothing. The woman in the billing department explained that I was n't the first person to call with the same issue. When I called Arcadia Recovery Bureau back to tell them that I have no balance with XXXX, they told me they could put a note on my account that we had this conversation, but could n't do anything further until XXXX cleared me. At this point I do n't know if they 'll continue calling. However, I do n't want to have to continue dealing with this " debt '' that I do not have.
My mortgage servicer has been changed from XXXX to Nationstar Mortgage. I received my XX/XX/XXXX statement yesterday, XXXX XXXX, 2015. I called to make sure they got my payment, and they said they did. I asked when they would be mailing me my next statement and was told on XXXX XXXX. I told them I believe I 'm supposed to get the statement prior to XX/XX/XXXX and I asked to have legal council call me. I was put on hold and I eventually hung up. I do n't believe they know what the laws are and I want to receive my statement on time.
On XXXX/XXXX/2016, I submitted a dispute with Suntrust Bank in the amount of {$33.00}. The dispute was against an authorized payment to XXXX and for signing up for website services. On approximately XXXX/XXXX/2016, my business website was abruptly shut down and taken offline by XXXX. I never received any prior notice or warning that my website would be deactivated and this occurred after I had made a monthly recurring payment of {$9.00} and the initial set up fee of {$33.00}. XXXX breached the terms of the agreement between itself and I in shutting down my website. My business suffered as a result of my website shutting down. Therefore, I filed a dispute with Suntrust Bank for the return of my money. 

Suntrust Bank has neither taken any action on my dispute nor provided feedback to me. It has been more than 90 days and I have no idea what the status of this dispute is.
Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.
CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated. 
2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong. 
3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management. 
4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination. 
5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR. 
6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.
Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.
Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors XXXX XXXX.
Navient/XXXX is prohibiting me from deferring my private student loan as I pursue my XXXX degree at the University XXXX XXXX XXXX in XXXX, PA XXXX. They are claiming that because I worked between my XXXX ( when the loan was initiated ) and XXXX degrees, that two different in-school loan-deferment types applied and that the deferment type applied during my XXXX degree has a four-year time limit ( which is nowhere to be found in my loan disclosure documents XXXX. Getting a XXXX degree have different timelines depending on your research area. 

NavientXXXX made me go on forbearance having me pay {$50.00} per XXXX months XXXX after each one expired ), because they said that it was my only option. Then, after XXXX forbearances and collecting {$200.00} later, they denied any further forbearance applications because they claim that there is a 12-month forbearance time limit, which again is undisclosed ( i.e., not in any communication documents for the forbearance ). 

I was then forced to take an unsubsidized Stafford loan -- -at a higher interest than the private student loan -- -in order to start paying off the NavientXXXX loan XXXX I am paid a stipend that only covers my daily living expenses and, thus, unable to start repaying my student loans. XXXX The purpose of in-school deferment is to defer the loan payments because the borrower is in school and earns little to no money to start paying off loans. Note that Stafford loans work this way and do not have different types of loan deferments and have no arbitrary time limits. XXXX The latest communications I have with NavientXXXX about my in-school loan deferment ( around XXXX 2014 XXXX resulted in their collections department representatives verbally harassing me that I needed to start taking responsibility for my loans, even though I am not in loan default. These phone calls should be in their recording archives, and I would be shocked if their XXXX XXXX department is not appalled by what they said to me. ) Navient/XXXX has made up these arbitrary time limits while my loan is still active. All the documentation they provided me do not have these arbitrary time limits. These arbitrary time limits are not in my loan disclosure statement, in particular. 

In addition to getting the financial matter resolved, I am requesting CFPB to investigate Navient/XXXX business practices on managing private student loans. 

( P.S. When I first paid a bulk of my private loan using my new XXXX loan in XX/XX/XXXX 2014, Navient did not honor my loan-disclosure right to partially payoff my loan. They instead held on to the bulk money and put my account on a pay-ahead status, deducting only what is due every month from the bulk money that they held. It took over XXXX months of phone calls for them to implement my loan-disclosure right to partially payoff my loan. Dealing with Navient is the most frustrating experience, and I hope that CFPB will investigate their practices to avoid any other student to go through what I have gone through. )
Experian Credit Reporting service debited my monthly membership ( {$21.00} ) 14 times in one day on XX/XX/2018for {$300.00}.

I called to complain ( where i was in hold For almost 1.5 hours ) and was subsequently promised refund in 2-5 business days. Following week no refund. Then i was finally refunded but for only 12 of those debits. I XXXX my issue on social media ( XXXX ) where i receieved a generic response. Direct messages on twitter followed where i was directed to email their billing address. Then a week later another debit from my account. So that is 15 times in one month.

I have emailed twice now requesting a refund and to cancel membership but no reply. Today there have been a further two debits from my debit card from experian!

I have tried calling today and there was an esimated. 3-5 minuts wait time. I have been waiting on hold form1 hour 21 mins so far!

They have now debited almost {$400.00} from my bank in 1 month. I can not cancel, can not reach anyone to help and i want my money back!!! This is surely a crime?
I have $ XXXX in student loans, which primarily paid for a XXXX XXXX in a field I cant work in. My XXXX is in computer systems security, and I have a charge on my record for hacking. Due to this, Im unemployable with that education. I tried applying for forgiveness, under the fact that it is non-beneficial and should have been guided elsewhere to a different degree program, but they refused to work with me on it. In addition, I tried applying for temporary financial hardship, and it was denied, even after providing proof of my income being much lower than I used to make. The interest seems to be going up more than the payments I need to make, So it feels like a never ending story. Im currently paying out of pocket to attend XXXX XXXX XXXX College, just to delay paying the loans back as long as Im going to school. I have no other option.
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.
I had two separate XXXX XXXX XXXX account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st  payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Blance is {$3500.00} and I was offering $ 1800- {$2200.00} to pay off and the refuse my offer.
I have been repeatedly called on my personal cell phone, but I have also been called at work which is the bigger problem. I only gave this company my work phone to verify employment. I never authorized them to contact me at work for any reason.
i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.
( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. 
I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card. 
I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you. 
( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )
Stanislaus Credit Control has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
The school I attended went out of business and I 'm receiving countless harassing phone calls on repaying this loan for a school that is no longer in existence.
I am currently paying a {$120.00} annual fee for the Chase Sapphire Preferred Card, which is one of my favorite credit card products. Today, I found out my friends, who signed up for the same card during the same time as I did, is paying {$95.00} in annual fee. The company advised me that the Credit Card companies posts test links in the market to test a price plan. I, unfortunately, was targeted with a higher cost fee and the Customer Service Rep advised that he has seen a fee as high as {$150.00}. I advised that this does n't sound fair to me, considering the card has the same benefit as the Chase Sapphire Preferred that charges {$95.00} annual fee. This is very misleading to to consumers and I am concerned that it is targeting the audience unfairly. How many other consumers are they targeting at un-equal prices? Please advise. 

Thank you, XXXX
Capital One sent me checks to use, with all kinds of information saying that the money used would be at 0 % interest rate for 18 months. Now I have received my statement and there is a {$340.00} fee showing for using the 0 % check. It might have been somewhere in the XXXX pages of small print, but that 's fraud, or stealing my money. You ca n't advertise 0 % for the check, and then hide the fact that instead of interest you 're charging a " fee ''. I want my {$340.00} back.
Hi, I had paid my initial 20 % of my 30 year conventional loan amount and requested for removal of PMI from my account which is allowed by Law and per the Mortgage companies own website FAQ and I paid the fee requested as requested by the Mortgage company but still they have been changing me PMI up from for the next months even before I am due for the next month payment.
I contacted Mortgage Lenders of America and was immediately put in contact with XXXX XXXX. He was very friendly and helped get all the paperwork set up after we found the house we wanted to buy. My main concern was the closing date. XXXX informed me that a XXXX XXXX, 2015 closing date was more than achievable. After I signed all the paperwork he required, he sent the loan to his company 's ( Mortgage Lenders of America ) in-house underwriting. This is where it all goes down hill. For XXXX weeks I have been proactive with my communication. XXXX continues to say that his hands are tied because he does not control the underwriting process, which I understand and believe. The problem is communication. We were supposed to close today, per my signed contract ( XXXX XXXX, 2015 ), and I have been informed that the closing will have to be pushed to XXXX XXXX, 2015. The only excuse for this was, " the underwriting department is behind ''. How is that in anyway acceptable? I have already scheduled the movers based on the closing date in the contract. They can not change my date because their next available is not until XXXX. I already contacted the cable company who is shutting off my cable and internet tomorrow based on the closing date in the contract ( I 'm currently an XXXX, so that is added stress ). I have forwarded my mail to the new address based on the closing date in the contract. I have had to push my start date for my new job out XXXX week, which means I am losing XXXX dollars because of this delay. Also, I now have to budget for a XXXX week stay in a hotel, on top of losing XXXX dollars from my new job. In an attempt to get more answers and possibly accelerate the process, I contacted a team lead/manager at Mortgage Lenders of America. I was placed in contact with XXXX XXXX. He reverberated the " underwriters are behind '' motto and stated that I should just be patient and make arrangements for a XXXX XXXX, 2015 closing, once again not offering a valid explanation, nor taking into account the major financial and emotional inconvenience placed on myself and my family. He gave me the phone number to his boss, the Director of Loan Origination, XXXX XXXX, and I asked my realtor to contact him. My realtor called the number we were provided and there was no answer. He did leave a message, but has not received a call back as of yet. There must be some type of accountability held and repercussions placed on companies that put families into these types of situations.
II sent a dispute to XXXX  XXXX  in regards to account number XXXX and Equifax , XXXX  , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XX/XX/XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XX/XX/XXXX. they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. m