WillisBack/dataset-financial-user-claim huggingface dataset:
Since this is the second time filing the same complaint and it did n't go through I 'm going to keep this brief. This company bought out my student loan from XXXX XXXX who had then bought it out from XXXX XXXX. When I was on XXXX XXXX I was on a deferment when I got out of the XXXX the amount owed to this company almost doubled and nobody can give me an answer as to why. Now not only are they calling me 3 to 4 times a day, but, my parents are also receiving phone calls in the same company at their home phone number. So, we 're up to 6-8 calls/ day between the 2 numbers. They want me to sign a forbearance, but, I 'm not signing anything until I get an accounting as to why my student loans increased so dramatically while on XXXX XXXX. They should have been paid off a few years ago and now I owe a substantial amount still. And since I 've been unemployed for a year I have no way of making any sort of payment arrangements regardless.
This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. 


I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. 

The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? 

I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.
Wells Fargo stated I submitted XXXX claims to XXXX XXXX XXXX XXXX XXXX. I have previously issued a complaint as I never approved a policy with XXXX XXXX XXXX. They say they have a recording of me but I would like a transcript of this recording because I have proof the recording was fraudulent due to an address change instituted by the XXXX-dispatch in XXXX County. I also would like proof of the XXXX claims they said I initiated under this policy. I will not speak on the phone with Wells Fargo. All transactions must be in writing so I can submit them to the CFPB. Charges were fraudulently made to my Wells Fargo Credit Card but that is a previous complaint. I will pursue the incorrect statements from Wells Fargo that I made claims to the XXXX XXXX XXXX XXXX.
Hi I no longer have the vehicle and the Carsalesman is under federal investigation. He did all bogus paperwork. He got fired from the dealership for doing all fraudulent deals to get vehicles. I feel this should n't be on my credit it he is incarsurated for the crime. It is really bothering me I ca n't get another vehicle and I have serious health issues. I have contacted the dealership and they said they would sign statements allowing Santander USA to know what happened. I have disputed it on all XXXX credit beraus. Please help
No response. XXXX XXXX keeps calling, more than once a day to collect a debt from my stepson who is out of state. He will never pay the debt. We allowed him to use our address for his mail for a short time. He has never lived here. Not responsible for a XXXX year old XXXX XXXX. I have blocked the calls, but the still phone rings. I want the calls to stop. Have notified them by mail, returning letters they sent and by phone. They keep calling. If they looked on the internet, they 'd see he is probably in Arizona where he is a frequent guest in XXXX XXXX jail. 
Name : XXXX XXXX XXXX ( or XXXX XXXX ). DOB. XX/XX/XXXX
My employer requires us to have a credit card from J. P. Morgan Chase Bank NA for specific travel expenses. My account is set up with Chase for automatic payment. Last month, they failed to process the payment in the month it was due. Instead they processed it in error several days later and showed my account as past due. In addition, because of their error they reported me as past due to my employer. I suspect this is a problem with the Chase system that impacts many consumers. This problem, created by Chase Bank, could result in significant consumer harm with customers incurring additional expense in a variety of ways and potential for incorrect negative reporting on consumer credit reports.
I have been unemployed for three months now and lost my unemployment benefits. It could take three weeks or lose them totally. I was asking for a short deferment on my loans so I can get a job and start repaying my loans. I was 30 days behind on a loan and called them for help in this matter. On XXXX XXXX, I spoke with Navient about getting help to resolve this issue. I was told that they would help me if my co-signer was not able to help. Navient spoke with my co-signer and since she is on a fixed income, she could not help. A week later I received a call from Navient saying that I need to make the full payment and they were not going to work with me. So today, I called Navient again on XXXX XXXX, 2016 and asking what kind of program they have for an out of work veteran. I was asking for a short XXXX3 month deferment so I can find work and start repaying my loans. I was told that there was nothing they can do because I exhausted all my forbearances in the beginning of my loan. I was force to take a low paying job right out of XXXX school because they stated that my externship is part of the school and If I did not get any job that was in the XXXX field, I would not graduate and would never get a XXXX degree from that school. We were all promised high paying XXXX jobs when we left school. I did not and have been fighting hard to pay for my loans. I, myself, and co-signer are tired of all the harassing phone calls from Navient. They will hang up the phone if you tell them that you are recording the conversation.
BBVA Compass Bank received a substantial deposit from us on XX/XX/2016. As customary, they released a very small amount immediately, then a larger amount 2 days later and the balance ( majority of check ) was to be released XX/XX/2016. The first and second amounts have been allocated to us but now they are not releasing the majority as promised. Mind you, this is not a fraudulent or bogus check. It was from one of the top XXXX companies in the world.
In XX/XX/XXXX a loan modification was approved on my loan serviced through NationStar. In XX/XX/XXXX NationStar advised me that there was an error in the XX/XX/XXXX modification and that the modification needed to be re-executed. In XXXX XXXX I re-executed the XX/XX/XXXX loan modification and returned the paperwork to NationStar. Upon inquiring with my county records office, they have no record of NationStar filing the original XX/XX/XXXX loan modification. In XXXX XXXX I received an email from Nationstar stating that the loan modification paperwork I re-executed in XXXX XXXX can not be located. NationStar continues to negotiate in bad faith by not filing the original XX/XX/XXXX Loan Modification and continuing to lose loan modification paperwork. Additionally if there was a defect in the XX/XX/XXXX loan modification why did it take approximately 2 years for the discovery. This further substantiates that the XXXX loan modification paperwork was never originally submitted to my county records office. Please see attached email from a NationStar representative confirming the loss of documents.
I purchased TransUnion credit score monitoring all in 3 report. At that time I placed a security lock on my credit file for XXXX. When I logged in on XX/XX/XXXX it was stating that the the service for XXXX was temporarily down. I have not been able to unlock the XXXX report through TransUnion and it is preventing me from doing things with my credit. I have called TransUnion multiple times to get this fixed and they are of no help. They provide NO case numbers so that when I call to follow up, no one knows anything. I was then told it was a technical error, and it needed to be escalated. My subscription with XXXX  cancels onXX/XX/XXXX and I am TERRIFIED that this will never be resolved. My patience is now taxed and the language barrier with the customer service representatives makes this experience even worse. All I want is my credit report UNLOCKED for XXXX through the TransUnion site. This should not be this difficult. It has been saying for almost a month that XXXX is temporarily down.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several XXXX however I did authorize only 1 XXXX inquiry.
XXXX, my job ( entire department ) was eliminated due to centralizing in XXXX. XXXX I used my severance pay to pay my mortgage up through XXXX. XXXX 's mortgage was due XXXX, so I called that same day to discuss situation. I explained it was hard to pay all bills with small, weekly checks, so could pay {$180.00} weekly as I received unemployment pay? They said no, but then they offered no other options or resources when I asked if they had any advice. I did not have the full amount of the mortgage until I received direct deposit on XXXX, I immediately went about making the payment. They locked my online account so I had to call them, they said because I was late I could only pay by phone and yet I would be charged XXXX $ on top of late fee for doing so. Fine, I did so, XXXX payment was made at XXXX XXXX on XXXX but then she went about telling me I had already been reported to the credit bureau for being XXXX days late ... .I was paying on exactly the XXXX day because they refused any other options or arrangements. They made XXXX $ from the situation and damaged our credit. Plus, I explained I had a job, but I started on XXXX and my first paycheck would be XXXX, is there anything they could do to help me and they said to check out a " my options '' website, but my next payment would still be late by XXXX. I asked about modification or determent and was told I did n't qualify.
I have disputed the late payments report on XXXX XXXX  The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
About a year ago or little long I received a personal loan from XXXX for {$1000.00} or {$1200.00}. I noticed couple months ago that on the XXXX web-sit was offering a loan, that I believed to be a loan for extra money, great with XXXX so near. There was n't any extra money, but a refinance. I have never been late on this loan or have missed payments. Up until this time did n't I have reason to mistrust XXXX and their practices. I would find out quickly that this was n't the case. I spoke to two employees and I stated that the contract said I could cancel the loan and return to my old, they were no help at all, they told me it could n't be done, with no information given. The first loan would be paid off in XXXX, which is drawing near and the second loan would pay off XXXX. The first loans payment was {$130.00}. and second is {$100.00}. a difference of {$.00}. The first loan had a balance of {$1200.00}. The second loan total {$3700.00}, which is difference of {$2500.00} why on earth would I agree to pay a {$2500.00} extra to get a break of a whole {$33.00} dollars month. 

I would like to return to loan amount with a lower interest rate. Had to copy/paste to get it download.
I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
made payment. Ocwen is saying. I was late. payment got to them by XX/XX/2017. 
now they want me to pay a late fee. 
I dont think this is right
Ocwen has failed to deliver any solution to my financial hardship and I would add Failed miserably to deliver minimum standard to Help homeowner is what we do according to their motto 1. It took Ocwen over 4 months to complete my loan modification package by demanding income info, only to reject the modification and add salt to the wound by telling me that gross income is N/A not applicable???? 

2. Loan repayment, I requested a repayment plan as my income is increasing from current monthly {$4500.00} to be {$6000.00} in 2019 due to my efforts to complete renovations and upgrades against all odds and rent the rentable portion of the property despite ZERO help from Ocwen The total amount Ocwen is demanding on a 5 month Hamp approved modification mortgage payment of {$1300.00} is 12,000..!! 

{$1300.00} x 5 = {$6800.00} the rest is misc, fees, and escrow which is 50 % of the total amount demanded and of the {$12000.00} only {$2000.00} is towards the principle payment. The remainder is pocketed by Ocwen with the exception of tax and insurance 3. I spent 4 months with auditing the account and after receiving no valid response, I was forced to file an official complaint with the Consumer Financial Protection Bureau, then I started to receive responses I have proven that Ocwen has a consistent pattern of questionable transactions and discrepancies
I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, XXXX, Transunion.
Here is the list of Hard Inquiries 1.XXXX .datedXX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX
I have been advised that each complaint for a company needs to be separate I spoke with cust service at Kohl 's about XXXX late fee waived due to holiday and question my new bill with late fee. I was told something gets added to the bal and because I pay too early I got another late fee. I have many brain injuries and pay according to limited income about XXXX of month. I never heard of such, normally if a late fee is waived after that deducted from what is due, that is what you pay. Person said to do what I needed to do. Their address is : po box XXXX XXXX, with XXXX ( kohls.com XXXX ) I would ask your intervention. Thank you XXXX. XXXX XXXX
Loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. New servicer stated it would take system 60 days to stabilize due to the influx of loans transferred from XXXX to Carrington throughXX/XX/XXXX. 
- Comments : Please research the discrepancy listed below. 

Issue : Fradualent, unfair business practice. Conflicting payment amount information listed through online payment portal compared to information available to customer service center system. 
Due to these deceptive practices I am now accessed additional late fees, in jeopardy of accelerated foreclosure proceeding which incur attorney fees and fees to examine property, detrimental erroneous credit reporting delinquency, and possible further court appearance by ex-husband to request the property be sold since it shows late payments. 
The hardship was incurred due to XXXX deceptive and fradualent practices. 
- Comments : Please research the discrepancy listed below. 

Issue : I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX. 

I spoke with customer service rep on XX/XX/XXXX. I was informed I was unable to pay online and had to contact via phone, because the account showed 3 months past due. XXXX did not see that any late fees for been accessed, yet could not explain why despite the system showing missed payments for XX/XX/XXXX. 

Action Requested : 1. ) I am disputing the information disclosed on todays call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing : BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX..

I can not make payment by phone, because customer service says the system would not take 1 singe payment. I needed to make 2 payments since the account was behind. Next option was to pay thru XXXX XXXX..

Action Requested : 1. ) I am disputing the information disclosed on XX/XX/XXXX call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing.. 

BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.
I opened an account in XX/XX/XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX offering to be of any assistance if I ever needed anything. On XX/XX/XXXX I  requested XXXX close the account over email. My request was refused unless I sent a signed letter requesting it be closed. Putting aside the inherent silliness of not being able to close an online account online, I mailed the letter. On XX/XX/XXXX, I received a letter rejecting the request to close the account and requiring new, different information from what I was told by XXXX. 

The bank is clearly trying to extort a fee from me for inactivity by prolonging the closure process.
I owned my home for approximately 19 years when it foreclosed in XXXX 2014. However, the decision is not yet final as the case has not yet completed the redemption period and I am filing this complaint to let the CFPB know that along the way I was scammed ( XXXX individual was actually on the news a few month ago and he was indicted for mortgage fraud in XXXX XXXX ... ... .he was XXXX of the persons who handled my loan! ), encountered gross negligence or not provided the services that I paid for at various entities. For your information, this home equity loan was originated by XXXX mortgage then sold to XXXX then acquired by XXXX XXXX XXXX and then eventually serviced by XXXX Servicing. Other entities that contributed to my misfortunes included a financial counseling agency and a law firm that took a lot of money from me ( with large up-front fees ) without assisting me in any meaningful way! Lastly, my dilemma culminated with being assigned to a Judge in the XXXX XXXX XXXX in XXXX County, Florida who had been arrested herself for XXXX and she had been recently reassigned from the XXXX Division to the XXXX Division. It appeared that she had no desire to hear the merits of my case and basically told me to " sit down woman '' and then proceeded to immediately deny the motion to set aside foreclosure sale and vacate final judgment. I never had a chance to show the valid reasons as to why the sale should not have gone through!
I received my XXXX  report on XX/XX/XXXX, my credit rating is XXXX, I have been employed at the same job for over 16 years. My payment schedule is " exceptional '', as is my credit history length. On XX/XX/XXXX I applied for a XXXX XXXXXXXX XXXX XXXX card for the express purpose for a balance transfer, I was denied. Yesterday I applied for a XXXX XXXX XXXX card, again for the purpose of a balance transfer, I indicated in my application that I had a {$7500.00} balance I wished to bring over. They offered me a {$2000.00} limit. After the application, I received the report from XXXX  and called XXXX. At first I was hung up on. The second time I spoke with " XXXX '' who offered me a credit increase. After a litany of questions she put me on hold. When she came back, she came back and offered me {$2500.00}. I told her I didn't want the card. Upon closer inspection of my XXXX account my average account age is 8 years 1 month my oldest account is 21 years 3 months and no time since negative. I also saw that XXXX has done about 25 credit checks on my account recently without my knowledge or consent. I believe this along with my previous filed complaint are the reasons why my credit cards are being denied.
HSA BankXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX XXXXOn XXXX XXXX, 2015, I received a notice that my account had been inactive for XXXX years and it was going to be closed. During this time I had made multiple calls regarding the account, have accessed my account online, and on XXXX/XXXX/15 transferred {$2000.00} from my investment account into my cash account. Also I was unable to reset my password to access my account and the answer to the question of my father 's middle name was deemed incorrect once I was able to reset my password with telephone help from the bank. Something is not right and should be investigated. XXXX XXXX
Recieved multiple calls to effort to collect a debt. On all calls answered I have requested a breakdown of what I am being billed for as to include date of service and original biller. On XX/XX/2018 I recieved a call from XXXX XXXX who claimed I owed {$970.00}. She refused to provide me via mail with details about the break down of what I owed and yelled I don't have to give you nothing, I explained I had been the victim of identity theft and did not feel comfortable paying that amount over the phone and want the bill so I may see if I am finacial responsible before making the payment. She continued to yell and scream stating she would report me sending the items to collection. I hung up and called the company back, it was made clear that the debt she was trying to collect was part the statue of limitations and she had no right to seek payment for the amount she demanded.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  : XXXX XXXX  : XXXX.