WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016, My husband and I called Western Union to make a payment to XXXX ( because they refused to take a payment directly from me ). Western union confirmed the code and company I asked them to send it to as XXXX XXXX code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and western union will take no accountability for THEIR error. I called western union on XXXX, XXXX, and XXXX and each time all they say is the funds never came back and there is nothing they can do ... XXXX does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can give a XXXX less about their consumers when they pay XXXX of dollars for a product. Further more it sickens me to think western union can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that XXXX cant do a thing to put my account on a freeze or something until western union resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't give a XXXX about the consumers they service.
I set up for loan consolidation with Navient, I was in a repayment plan with the fl XXXX XXXX XXXX, because navient failed to give me the right information as well as fail on their end to get the payments for my loans to the XXXX XXXX XXXX my wages are being garnished and I am unable to change the status without paying to have this stopped. I am in extreme financial hardship because of the issue that navient is indicating they are unable to fix, when I did my part to enroll in the income driven repayment plan.
Dear CFPB, I want to file a formal compliant against Capital One Bank XXXX XXXX. In 2016 I was having a lot of issues receiving my statements at my address and I had informed of this. We could n't figure out whether my statements were getting lost or stolen. I had informed them of my concerns and I was told that I would have no issues. The many times this happened I called in to make sure everything was alight and I was told nothing would be reported and my payments were made even though my statements were being delayed and missing. But sadly I noticed that in both XXXX and XXXX of 2016 they had reported me 30 days late, knowing my issues. I just ca n't understand why they would lie to me and tell me I would have no issues with my credit reporting and yet here they are. Unfortunately I am seeing this now and my heart is broken. This is not my fault, CAP ONE was in the know and please investigate this and please have them correct those two months that are showing me as past due. I ca n't understand why they would refund my fees and such and yet still report me even though their representative said I would not over lost/stolen statements. Since then my issues have resolved an dI would like to have this information corrected please, it has caused my score to drop tremendously and I am so very worried.
Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!
Portfolio Recovery Associates, Inc. ( PRA ) bought a debt from XXXX XXXX in which XXXX XXXX had already charged off said debt. PRA, after 2 years of attempting to collect on this debt, filed a XXXX to the IRS on me for the year 2014. I disputed this debt many times to PRA by certified mail. I did not at any time have any agreement/contract with PRA nor did I receive any goods or services from PRA. This debt is past the statute of limitations to collect a debt. I filed a complaint with the US Postal service for mail fraud.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one
My back was lost during the early hours of XX/XX/2018. When I awoke and checked my account online I found that it was overdraft. I thought it was my fault. I decided to rush to the bank to make a deposit to cover the overdraft fee and thats when I realized my card was missing. I went to my branch to report my card missing and make the deposit. The teller told me she was de-activating the missing card and she re-issued a new card. I deposited XXXX into the account at the same time. Later that evening I checked my account and found that the deposit that I made was gone and the account was back in overdraft due to fraudulent charges. My pin had been obtained and I have no idea how. I immediately called customer service and they informed that the teller had not de-activated the lost card like she claimed. I filed a complaint which was denied and I re-filed a second complaint. The bank is not taking responsibility for the employee 's error. They are trying to hold me liable for the overdraft fees and I refuse to pay for charges that I didn't incur. I desperately need outside help to resolve this matter.
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him.
XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. 

It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. 

They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!
A representative named XXXX XXXX from 'National Enterprise System ' continues to reach my main business line XXXX and my cell phone line XXXX. He continues to attempt to reach my ex husband which use to work in my business, But no longer does. 

He continues to harass my employees by interrupting them and blocking the only line I have open for my customers. He calls everyday with the same request after he was told several times that the person who he is trying to reach does not longer work there. 
He continues to make false statements regarding the ownership of the business and false accusations about the person he is trying to contact. 

Lastly, I am not the person who he is trying to reach and he is affecting my business dynamic by interrupting the work flow of a regular day. 

His name is XXXX from 'National Enterprise System ' his number is XXXX Ext- XXXX
I sent a Bitcoin transfer from XXXX to XXXX at XXXX XXXX - XX/XX/XXXX XXXX. As of XXXX XXXX. The transfer has still not gone through. XXXX still does not show the XXXX transaction hash ( the hash shows for previous transfers ) and the XXXX is nowhere to be seen on either of my accounts. The transfer was for XXXX1 XXXX. 

I contacted XXXX customer support one week after the transfer and have still not heard back from them.
I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus. I didnt receive any notices of my rights to dispute or any any information to verify the debt which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX, XXXX and. XXXX credit reports as a collections account. Therefore I am requesting that it be removed from all of my credit files immediately.
That was offended with XXXX inters if I paid in 6 month. I paid due in this term a the company want that I paid the interest.
I began my college career back in XXXX, being a young mother without a college degree trying to make ends meet I relied on student aide as well as student loans to make my way through college. I graduate with my XXXX in XXXX back in XXXX, since then I have never been able to afford my monthly student loan payment. I have tried for years to get my monthly payments reduced to something more affordable, but Ive never been able to, so Ive been forced to request forbarence after forbarence, thus only added up my interest and payments.
I wanted to trade my car in with XXXX. They gave me an offer, but later called me to inform me that they did not have a warehouse in XXXX yet, and I would have to trade it with someone else. They assured me ( on the phone ) that I could refinance my loan with their loan servicer after I put down the large payment from my trade-in and make a few payments. I agreed, took out a loan with their servicer ( Go Financial ), bought a car with them, and sold my car elsewhere.
Months later, I asked the loan servicer how I could refinance, and they told me they DO NOT offer refinancing. Now I am stuck with a large payment each month since I could only put {$500.00} down towards the loan since I could n't trade my car with XXXX and had to wait to have my XXXX car delivered before I sold my old car so I would n't have to go without a car. 

Had I known I would be stuck with this large payment each month, I would not have purchased a car from XXXX.
My name is XXXX XXXX, I 've written letters to Trans Union, in XXXX, XXXX, XXXX of XXXX & XXXX XXXX & XXXX XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed SINCE THEIR SYSTEM BREACH I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXInaccurate Information : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX  XXXX XX/XX/XXXX ( old ) same acct number x XXXX
I have an existing auto loan with Westlake financial. I traded the vehicle on or around the XXXX of XX/XX/2018 and westlake has been calling for the payment due on XX/XX/2018. I stated to them when they called on the XXXX that I traded the vehicle and they have been calling every day 3 to 4 times a day asking for the payment. I have spoken to numerous people at this bank and they are really rude about this saying they have not received the payoff check yet so I gave them the dealership info and they said they can not call them. So I told them I have no control over that payment but they told me my acct is still active so I am responsible for the payment due. I had the finance manager call them and they still calling me harassing me. Please tell me I can sue them for this action.
National Commercial Services is constantly calling my phone about a debt that I am not legally responsible for. They making  me crazy by calling my phone every hour. They are also sending letters to my fathers house, who has nothing to do with the debt. They are to pretending to be the Department of safety and claiming that they are going to suspend my license. Please help.  National Commercial Services is driving me  insane.
My loan was purchased from XXXX by UHEAA, and it has been nothing short of a disaster. A number of customer service problems and servicing issues. However, the one that needs to be fixed is that my paid-up status ( approximately 1.5 yrs ) was not transferred, making it difficult for me to take advantage of employer based payments on my loans ( would fall short of the minimums ) without having to pay out of pocket. It 's now been 6 months since the purchase of my loan and they are still 'working on ' a solution that should be fairly straightforward. I did not choose to go to UHEAA, I was moved there because they purchased my loan but they are not keeping to the parameters outline when I originally agreed. They have had to put my loan in forebearance, which means I can not access the employer program ( loan must be in good standing ). I have called approx. 10 times over the 6 months to get this corrected, and still no luck. Even worse is that it is approximately 1 hr wait time for each call.
Transworld Systems Inc. is attempting to collect a debt for XXXX XXXX. I have never rented a car. I have asked for documentation that I rented the car. They have been unable to produce any proof it was me. 

No Proof = No Money
I had my inquiries removed off of my Credit report and when I checked my credit report today they were back on there.
i received repeatedly phone calls all with in the same day.from Bank of America XX/XX/XXXX  (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX  (XXXX)     XXXX XXXXXX/XX/XXXX   (XXXX) XXXXXXXX XXXXXX/XX/XXXX  (XXXXXXXX)  7XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX   (XXXX)    XXXX XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXX  XX/XX/XXXX    (-XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXX XX/XX/XXXX  (XXXX)  left phone message
Old business cell phone bill for a business I was a limited liability partner in. Debt collector did not contact me in any manner prior to listing the debt on my credit report.
Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. 
I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. 
Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. 
I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. 
Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. 
I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. 
The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. 
MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.
In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go, I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night, I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening, I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore, I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently, that gave them the right to " decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However, whenever I have contacted a company, outside of XXXX XXXX, requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say, this entire situation is disappointing. Especially coming from a company that purports itself to be customer service oriented when their recent actions are indicative of the opposite.
I have parent plus student loan with XXXX XXXX XXXX in Iowa, start paying XX/XX/2008 and ( my monthly payment was XXXX $ ) my paper statement amount of principal and customer service amount are different. Paper statements show original principal amount of loan is XXXX and I paid XXXX ( plus interest of XXXX ) but when I contact customer service they told me I have principal amount of XXXX. That is different amount of XXXX. I spoke with customer service many times to explain me what is wrong or right and they are rude and unprofessional, unfortunately they didnt tell me why paper statements balance and balance in sistem not same. Something is wrong and I find out that many people complain about same problem with this company.
I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. 

However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. 

I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. 

The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.