WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I entered into a six month forbearance due to damage to my home from Hurricane XXXX. I was told by Seterus that the forbearance would apply until XX/XX/XXXX. I began making mortgage payments in XX/XX/XXXX. Once I began making payments, I was placed into a loan modification program, and was told that my forbearance would be suppressed until the modification was complete. It was my understanding that the forbearance would be applied to the end of my loan and this would not have a negative affect to my credit. Effective XX/XX/XXXX, my mortgage company informed me that a forbearance due to a natural disaster would no longer be suppressed to the credit bureaus. I went from a FICO score of XXXX to XXXX. I have never had a delinquent payment in any of my credit accounts.
While using XXXX XXXX I was told several times my credit report would not receive a negative his as I was working with XXXX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, XXXX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point XXXX still kept the account closed and did not remove the negative credit hits on my report.
Debt Collection agency contacted my father on several occasions in regards to a debt they are pursuing that I no longer owe. The debt is made up entirely of penalties and fees as the principal balance was paid to the original creditor in XX/XX/XXXX, prior to being made aware that any collection agency was involved. According to the agency, the debt consists of late fees and penalties that have been accruing since XX/XX/XXXX. I have never received any prior communication from the agency, and they claim that the information was sent to an address where I have not resided in over 10 years. Contrary to their assertion that they believed this was correct address, the agency verified my identity by proffering proffering the address at which I currently reside. Additionally, the original creditor sent correspondence to me directly to my current and previous addresses. This company clearly sent communication to a known bad address in an attempt to build up interest and fees.
I have been charged a payment that is more than the XXXX % requirement for years. I am struggling with the payment and was denied for interest only repayment, denied to lower my payment so now might be forced to forbearance. Accrued interest will still occur during this year time and I do plan on making payments even though I 'm not required to try to keep this from happening. I have been paying for XXXX years and some of my loans are STILL above what I borrowed, that 's how much interest they have charged me over the years. At this point, I do n't know how I 'm ever going to be able to pay them back. I struggle to pay the {$410.00} a month and am not seeing balances go down. Is heartbreaking honestly.
Rec, d notice of change in credit report.was advised to call XXXX After explaining to foreign accent agent and repeating info etc was told to call XXXX which was not real person or ability to talk to one.The choices offered did not seem to meet my needs.Waiting for other options, was cut off. 
Called original number back and asked to talk to supervisor whose first language is English.Initially was strongly resisted but eventually put on hold. 


The Equifax people have damage me, causing me great angst, repeatedly wastes my time and gives no satisfaction.
There are multiple problems with this collection. 
This collection is showing as an OPEN tradeline account on my XXXX report, not listed under collection accounts. Account number listed as XXXX. 

The charges in this collection are not valid and are inaccurate. I closed this account due to charges showing up that I did not know about or authorize, after making my last payment I told then to close my account. As XXXX was sued for cramming and settled, I believe that explains the billing issues I had with them. I was also not aware of any collection actions for an amount I do not owe until reviewing my credit report on XXXX/XXXX/2015. I never received a notice of my right to dispute this information. If information was sent it never made it to me.
This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with NationStar and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
I noticed on my statement charges from a store called XXXX XXXX. I did not make these charges and disputed them with Citi whom I have been a customer with them for years and I have my own account and I have also been a AU on another Citi card which I make all the payments for. Citi denied my claim because The card was not stolen for good. However the card was stolen to be used by someone and then placed back in my belongings. I can not tell you who stole my card and used it because I work for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a XXXX and XXXX XXXX XXXXs as well as in XXXX XXXX XXXX XXXX and then XXXX XXXX. It is a really high pace agency and Many people going in and out. We also do not have cameras set up in every room. I honestly do not know who my card was taken and used but I know that I did not make these charges. I do very well to keep my credit in good standing and make my payments. I pay for what I use. Citi said I was lying and denied any help. I can not release my Clients name nor can I accuse any of them. I have to learn not to be so trusting but we are trying to help rebuild these children. I have now since changed my way of bringing my personal property into agency but I would like to think they company I trust to have credit with would back up what they say they stand for before you sign the credit agreement. I would hope they would trust me and have my back especially since I feel I am a good customer. I would like for these charges for XXXX XXXX to be removed so I Can pay off the balance. My home was destroyed in Hurricane Florence and I have a lot of rebuilding to do and financially I am hurting and do not have money to just throw away. I can not stay with a company that will not have my back and I can not sit back and keep quiet about the lack of compassion or help. I do not want to have to close my card but I will and take my money somewhere else.
XXXX XXXX XXXX XXXX provides our Fica score on their site. Recently our score dropped over 20 points. The explanation is that we have balances that are too high. However we don't have high balances. We have one car loan of {$5700.00}. We have a home loan and those are the only balances we have. We have more than adequate income for these balances. We never carry a balance on our credit cards. I have talked to XXXX XXXX XXXX XXXX. They referred me to Experian claiming that they exclusively get the report from them. I talked to Experian and they claimed it was XXXX XXXX that decides what the report says. The representative continually tried to get me to open an account with Experian. It has seem like Experian is hurting our credit to force us to pay for their service. The other two credit reporting agencies don't report our balances are too high. I feel like this is black mail. We can't even open a dispute because we don't have any high balances to dispute. I have included the credit report from Experian. Can you help with this?? 
XXXX XXXX and XXXX XXXX XXXX XXXX
I had taken a student loan for XXXX XXXX XXXX of XXXX from XXXX XXXX. XXXX XXXX turned into XXXX. After years, XXXX finally let me settle my debt. I paid the settlement amount at the beginning of XXXX 2015 and XXXX has confirmed that my debt has been settled. 
Yesterday, XXXX XXXX 2015, I received XXXX letters from NES, National Enterprise Systems that says they are located in XXXX, Ohio. These letters claim that XXXX has transferred my debt to them for collection. 
Naturally, I called XXXX and made sure that my debt had been settled. It has been settled ... and whats more, XXXX has no record of sending my debt to a collection agency. 
I called NES and spoke to a representative XXXX. He asked only for my phone number to verify my information and then put me on hold to " access my accounts. '' Shortly after, they hung up. I called back XXXX times, each time the line was disconnected right when a representative picked up ... as if they were hanging up on me. I waited all day and then tried to call them again, calling both the customer service hotline and the line where you can pay your debt over the phone. The customer service line, again, hung up on me everytime. Funnily enough though, on the line where you can pay over the phone, they are happy to take payments through an automated system, but as soon as you ask for a representative, it hangs up. 
I do not owe these people anything. They are harassing me, Also, what they say I owe them is n't even the correct amount of what my debts used to be ....
I have been having an ongoing issue for the past several months with transunion deleting my inquiries, then re-inserting them. I just called their customer service number at XXXX and their customer service would not help and take care of the negative inquiries reporting to my credit report. So I am asking for the help of the CFPB and would really appreciate your help. 

This is the list of inquiries I would like deleted XXXX XXXX XXXX XXXX/XXXX/16 and XX/XX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 and XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 Thank you
My Name is XXXX XXXX, I receive my child support put on a " XXXX '' WELLS FARGO XXXX. The Bank charges inquiries on the balance of the child support card of {$1.00} by ATM, so I stopped requesting atm balance inquiry several years ago. I know that WELLS FARGO Customer service charges XXXX per phone call to customer service. They offer 3 customer service calls per month free of charge. So, I very rarely, call customer service - except for lost card circumstances. Which has happened twice in the past 7 years, I lost my card. and they replaced it. Wells Fargo would have charged fees on those accounts as well. 

I have been receiving child support for 15 years, as I have XXXX children. I have been using the automated system for my balance inquiry as I have {$170000.00} in child support arrears and I rely on the child support agency to collect the funds by bank and or wage garnishment. and sometimes my balance fluctuates. I use the automated inquiry system to make sure what I am purchasing does not get overdrawn. 

Wells Fargo never mails out any debit card statements by mail. I rarely, go one line to check the activity. Recently, I had reason to check my balances and history, as I had XXXX request evidence of the child support deposits into my account which I cashed through the ATM machine. To my surprise, I have been charged numerous times for balance inquiry XXXX per transaction for over 10+ years. I read the disclosures, no where does it state that when a child support recipient calls through the automated system to check balance inquiry they will be charged XXXX as if they are speaking to and calling customer service agent. 

This is very sad, and unreal. There are so many single parents who are struggling. and Wells Fargo as big as they are, charging for a automated balance inquiries under phone number XXXX. I've been a Wells Fargo customer for over 15 years at the XXXXXXXX XXXX XXXX location, there is no reason for excessive fees nor automated inquiry fees. 

The statement online customer service number for inquiry charges is XXXX always states your call can not go through, please try again or hangs up on you.
Nothing has happened yet, but I have 42,000 dollars in private student loan debt. The problem is my social security XXXX check is not enough to pay back the loan. My house note is {$580.00} and my repayment of private loans would be about $ XXXXXXXXa month. My XXXX check is {$XXXX} a month. Other than XXXX, is there any way to solve this problem. I will go into repayment in XXXX 2015
On XXXX.17 I signed a contract for debt resolution package with ClearOne. They indicated they needed the contract signed by the end of the week, so I signed it. A gentleman called me that evening and went through some information. I felt very uneasy about the information he gave me pertaining to how then relieve the debts. On XXXX.17, I signed the cancellation notice, found in the electronic package, and sent it via certified to the company. They signed for the cancellation letter on XXXX.17.  On XXXX.17 I tried to log into my XXXX XXXX XXXX account to make my payment, but I kept getting a log in error. I then called XXXX XXXX  XXXX and they said they had received a COA/POA from ClearOne and my account had been closed. I called ClearOne immediately, they indicated that I should not only have signed and mailed the cancellation letter, but I also needed to contact them verbally to cancel. I told them that they should not have pursued any debt relief after signing the confirmation of receiving the cancellation letter. They sent me a confirmation of cancellation but it was dated for XXXX.17, not XXXX.17 the date they received the letter. I called XXXX XXXX XXXX again and they can not reopen my account because they have the COA/POA on file. They said I was a very good customer but they could not reopen the account. ClearOne should have never move forward with a debt relief plan after receiving the cancellation letter. Unfortunately now I do not have access to my lowest interest credit card.
This is a continuation of trying to resolve this problem with Experian. History with CFPB will show I have tried since 2013 to fix this with no success. Attached is a copy of a credit report disclosed to me from XXXX XXXX while in refinance process. Experien, of the three credit reporting companies, shows me with the lowest score and " a serious delinquency ''. I believe this is a continuation of their violation of Federal Bankruptcy laws because they labeled non payments WHILE I WAS PROTECTED DURING A CHAPTER XXXX BANKRUPTCY as late payments. They should not have done this as I was in the bankruptcy process. Prior to that I never had a late payment, and I specifically did not make late payments knowing I was filing bankruptcy and did not want to further affect my FICO by being late. They have yet to fix their mistake though I have made complaints through CFPB. I need to see their proof of " serious late payment '' or they need to fix their mistake and stop breaking Federal law and affecting my credit score.
I paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.
additional docs - Rushmore states that my account was still under foreclosure - affirmation docs were sent in and modification was completed around the same time. Previous servicer had the docs and therefore continued to send the statements. 

XXXX XXXX has not send statements and updated my credit score to reflect my loan was written off due to bankruptcy - thats not true.
On XXXX XXXX, 2016, I logged into my Bank of America checking account ( of over 10 years ) to see a pending debit of $ XXXX. I have never bounced a check, missed a payment, overdraft, so I called and contacted the Customer Service Department upon which I was n't given any information but that a fraud investigator will be assigned within 24hours and will contact me. Since that day I have not received any call or mail whatsoever from BoA however I do call BoA just about everyday but still all I get is the runaround from different their various departments that I am transferred to. Finally on the XXXX XXXX after yet another call to BoA Fraud Department, I was told my account was being closed and a check with my account funds was being mailed out the next day and that BoA has a right to close my account without given a reason per the depositors agreement when account was opened. 
While I understand this agreement, I do n't understand why as of today XXXX XXXX ( another 2weeks ), a check has still not be mailed to me. I keep calling BoA Risk Account Department as advised as well as their Executive Customer Relations Department and they claim they are looking into it but still I have n't received any check yet nor any correspondence yet. The XXXX tracking number ( XXXX ) they had initially provided upon tracking shows that the check was never even given to XXXX in the first place even though a label was created! 
I really need my funds from my BoA account urgently, as I need to but medications for my mother who is recovering from a XXXX and also need to pay for her XXXX. I also need my funds to pay my bills due as well as for some other financial obligations. 
Its been more the 3 weeks since BoA held my account without reason or any communications to me. The investigator assigned who I later got to know her name and number as never called me nor return any of my calls. I even went to her office on the XXXX of XXXX and she would n't see me but was told to go to a banking center which again I did at XXXX XXXX XXXX XXXX, XXXX, IL but was again not given any information but that they I should wait for check correspondence from them. But still I have n't received any check. 
I believe its unfair and inconsiderate practices to close a customer 's account at the bank 's discretion yet hold on to the customer total funds for more that 3 weeks without return it nor providing any information. This as caused hardship for me and my family. and really saddens me.
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.
XXXX retype my lease and changed dates and took my previous signature page from the past lease that ended on XX/XX/2011. And made copy of my signature page and add it to a new lease. My lease ended and I never did a lease renewal or gave consent to reinstate my lease the lease enter into a month- to- month. And rent was paid in full each month XXXX was given a 30 days notice as state in the lease. XXXX is trying to collect a debit that is not accurate.
The lender has failed to respond to our QWR and Notice of error request sent onXX/XX/XXXXand are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Letter rcvd XXXX/XXXX/XXXX asserting I owe them {$170.00} for a speeding ticket in Iowa dated XXXX/XXXX/XXXX ; which is past the statute of limitations, is 25 % MORE than the alleged judgement, upon calling the debt collector they assert they are not debt collectors and also recorded my call despite repeated req to NOT record ... Insisted on verification of my birth date and social, despite having my caller ID and account already provided, and wanted to argue they werre not acting as debt collectors, despite the XXXX XXXX ATTORNEY stating they ARE ... The letter does not state they are a debt collector attempting to collect a debt, and instruct to only call THEM not Iowa court. The threat of additional action like " contempt of court proceedings '' and that " Bankruptcy does not discharge any court fines or fees due in CRIMINAL cases '' THIS IS NOT A CRIMINAL CASE ITS A SIMPLE SPEEDING TICKET WHICH I WAS NEVER GIVEN DUE PROCESS IN COURT nor ever notified by any entity. IOWA statute clearly states 20 years to collect, and that has expired.
XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with XXXX XXXX to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.
Have contacted Ditech for escrow refund ( home has been sold ) three times. No email replies to online request. This company never replies to any customer requests. I have to go out of my way to contact them for anything needed. The company lacks any type of customer concern.