WillisBack/dataset-financial-user-claim huggingface dataset:
I made a final payment to XXXX to close my account on XX/XX/XXXX. This included a $ XXXX charge for an old phone only worth {$150.00} by trade-in! That payment was lost by XXXX, but I was not informed. I logged on to their website to download an old bill for my files and saw the outstanding balance. I contacted them and provided proof of payment. Yesterday, I got a credit alert saying I had a new collection account from Allied Collection Services, who I have never heard of or from. The note on the alert says " XXXX '' as original creditor. Not only is this debt invalid, the collection agency failed to send proper notification of the debt or option to dispute. I have never, ever gotten correspondence from Allied.
InXX/XX/XXXX, I applied to the rate reduction program that Navient runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with Navient. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureauXX/XX/XXXX.
I sent certified letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the collection account ( which is reporting as a medical account ) from Credit Service Company in the amount of { XX/XX/XXXX in the amount of {$430.00}, XX/XX/XXXX in the amount of {$440.00}, XX/XX/XXXX in the amount of {$440.00}, and XX/XX/XXXX in the amount of {$440.00} } as you notice the balance increase monthly. XXXX and XXXX   deleted the collection account from my credit report ; however, on all occasions, XXXX stated the information was verified and accurate ; however, XXXX  nor Credit Service Company Inc. has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. Under the Fair Debt Collections Practices Act ( FDCPA ), proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. Penalties against Credit Service Company Inc. is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Credit Service Company Inc. has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. The creditor ( Credit Service Company Inc. ) refuses to provide all documentation requested. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Credit Service Company Inc. clearly has not. Please have account deleted from my credit report.
The case is centered on the bank refusal to honore our TILA rescission. For over five years we 've been fighting them in their attempts to take our home. 
We initially purchased our homestead property on XXXX XXXX, XXXX from XXXX XXXX with a XXXX mortgage and a XXXX mortgage. We subsequently consolidated the XXXX loans on XXXX XXXX, XXXX and took a new mortgage with a different " lender '' called XXXX. On XXXX XXXX, XXXX, Florida XXXX XXXX XXXX XXXX terminated XXXX XXXX XXXX ( " XXXX '' ) mortgage lending license due to questionable lending activities ( Exhibit-XXXX ). On XXXX XXXX, XXXX, after discovering irregularities in our mortgage loan we rescinded our loan by notifying XXXX and BankUnited XXXX via certified mails with return receipt requested ( Exhibit-XXXX ). Neither XXXX nor BankUnited XXXX/BankUnited N.A. responded to the letter of rescission. 
On XXXX XXXX, XXXX, based on our rescission, we filed our quiet title action in XXXX XXXX, Florida. A default final judgment was entered on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, BankUnited N.A. a newly formed bank, filed a foreclosure action against me and my wife in the Circuit Court of XXXX XXXX, Florida. 
On XXXX XXXX, XXXX, BankUnited N.A, filed a motion to vacate the default final judgment of quiet title and the state court vacated the judgment. On XXXX XXXX, XXXX, the FDIC, in its capacity as receiver for BankUnited XXXX removed the case to XXXX XXXX Court for the XXXX XXXX XXXX Florida. On XXXX XXXX, XXXX, the federal court erroneously dismissed our claim of rescission. The court granted summary judgment in favor of BankUnited N.A. The XXXX XXXX XXXX XXXX XXXX affirmed the lower court decision ( Exhibit-XXXX ). With the money judgment BankUnited N.A. obtained a foreclosure judgment and scheduled the sale of our property. We are currently appealing that decision. BankUnited N.A with the help of the law firm of XXXX XXXX XXXX and XXXX XXXX XXXX. have consistently ignored our rescission and caused us to defend an illegal foreclosure for years. The Supreme Court decision in XXXX, No. XXXX ( U.S. XXXX XXXX, XXXX ) confirmed that we properly rescinded our loan. The bank and its lawyers continue to harass and threaten us with the foreclosure of our home. We seek the help of the agency to resolve this matter once and for all.
Barclays bank sent me notification that I am to appear in court about a debt they allege that I owe. I was contacted on XX/XX/XXXX from XXXX XXXX XXXX states the debt had been sold to them & they were to collect this debt. I contacted CFPB about this company and the letter that they sent, the company responded saying they did not send the letter but I have a copy attached. In the prior complaint Unifund then stated that they have this debt in their possession & I am now owing them the debt from Barclay 's Bank. I contacted Barclay 's @ XXXX on XXXX I spoke with XXXX agent XXXX states that there is no acount there for me, XXXX agent XXXX states there is no account for me & no manager for me to speak with, XXXX XXXX XXXX she states no manager available n disconnected the call, XXXX XXXX states that they have no account for me at Barclay 's & dont have a direct number to customer service states that the debt was sold to XXXX XXXX XXXX. Barclay 's sent me a summons on XX/XX/XXXX to appear in court for a debt that they have SOLD. Please refer to CFPB complaint XXXX.
During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
We requested a reduction in our mortgage payment to our mortgage company in XXXX due to our fixed income. Our mortgage company put us in a trial period in XXXX and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of XXXX. They removed the escrow account in XXXX but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.
On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to XXXX and Transunion with my proof of payment on two separate occasions now.
We had set up auto drafts from a checking account to pay for the car. Prior to the due date each month for 3 consecutive months we called in a payment prior to the due date and asked that our account not be debited. They agreed took the payment and then tried to take out the second payment each of the 3 months. Not only did they do that but they charged us fees for return payments.
I searched for and purchased an XXXX XXXX XXXX from XXXX He used XXXX dor his business host, and Pay Pal to defraud me. <P/>The price was {$190.00}, and a supposed promotion for the grand opening of his new online store. <P/>I received a confirmation of order and a request to pay. Because the company was in XXXX, I chose to use Pay Pal as they are ALLEGEDLY more secure and you have fraud protection. The seller sent me an email with the email to use for the Pay Pail payment, and I did. <P/>The product was updated to " awaiting shipment, '' but was never shipped. NOW the business page is down, XXXX XXXX has been useless, and Pay Pal even more so. <P/>I have TRIED to file complaints and Disputes, but have had no luck with either. <P/>The seller used two emails. One was XXXX and the other was XXXX His web page was XXXX Neither XXXX nor PayPal will provide me with any more information with which to track down the seller. <P/>The funds came from funds held in my PayPal account. <P/>I have saved all correspondence from the seller.
I contacted Equifax several times about missing information on my credit report. I have two federal student loans with XXXX XXXX and I have three credit cards with XXXX XXXX. None of these accounts are on my Equifax credit report. This agency is withholding information which is a violation of the federal fair accuracy act. I would like my two student loans and all my XXXX XXXX   credit cards to be reported correctly immediately.
This is a follow up complaint to Claim Number XXXX. I received a letter from Wells Fargo indicating I was contacted by phone On XXXX XXXX,2008 and  verified information as a co-signor on a Private Student Loan. I have asked for more details on the telephone conversation since I do not recall having such a conversation NINE YEARS later.
Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges.
I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure.
I have contacted XXXX various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and XXXX themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or granXXXX any permission to these companies to run my credit. 

Hard Inquiries on XXXX report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from Equifax report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday XXXX. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
My phone rang at XXXX from Bayview Home Loans trying to get my mortgage payment..
A company by the name of XXXX XXXX XXXX has been attempting to collect a debt for a merchant services that was opened in XX/XX/XXXXaccording to them via my credit report but according to a phone call I received after I sent them a validation letter of the debt they stated it was opened in XX/XX/XXXX. Regardless of when it was opened in XX/XX/XXXX it is not possible as I was working on a XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  which can be verified with taxes and I provided them as well. The company they say it was opened with was XXXX XXXX XXXX   and I contacted them as asked and they have zero record of me. I requested proof of debt never got it and it still remains on my credit. I researched the original creditor and it would be for credit card merchant machines. This means they would have sent me equipment that would have a traceable merchant code to run credit cards and they could find no matching machined assigned to my name, my business name, or my social security number. This to me would constitute invalidation of the claim of debt. Please advise on my next steps. Thank you.
I have been locked out of my Wells Fargo online accounts since the evening of Sunday, XX/XX/XXXX. I am told this is a matter impacting many users. XXXX was to call back an update my status, but they have not done so. The tech support team does not answer their line.
Hi a couple of days ago I registered on the American Express website to setup my banking details and unfortunately I put in the XXXX # instead of the routing #. The payment was rejected twice, and just this morning I was able to rectify on line and make my first payment. In the mean time American Express has cancelled my account and won't reinstate it, despite making the payment and correcting the error. 
I have to travel this week for work booking hotels and flights. This is my only credit card as have moved back from XXXX. This will greatly impact my work trip and also ability to make a living. They keep saying I'm ineligible to get in reinstated. Can someone please help me? 
I have been an Amex member for over 25 years, but they still will not take this into consideration.
I obtained a student loan for my XXXX studies back from XXXX. Following graduation, I began repayment. In XXXX, I enrolled in graduate studies and obtained my XXXX XXXX in Secondary Education in XXXX. During my XXXX years of grad school, I deferred my student loans and began repayment after I graduated. I had difficulty paying the loan in the XXXX. I eventually applied for and received a forbearance. I then began repayment of my loans with a company that I can not recall the name of, and then the loan was passed along/purchased by different lenders without my knowledge until after the fact. For a time I did not even know to whom I should pay for the loan. In XXXX, ACS purchased the loan, and I have been paying them monthly, without fail, since that time ( though they were recently bought out by Conduent ). My loan interest rate was locked in at XXXX XXXX. I pay {$410.00} every month, and to date, I have paid {$36000.00} ( XXXX consecutive payments ) on a loan ( original loan amount being {$37000.00} ) that I now still owe {$44000.00} ( outstanding balance as of today ). I will admit that I have not checked my account often, as the payment comes out directly/electronically every month and has for almost XXXX years. I pulled up my account today and can not wrap my head around the outstanding balance. How can I owe this amount? I also do not see a projected loan payoff date on any of the screens that I researched while logged on to the website. Perhaps that is because at this rate, I will never pay it off. Something must be wrong here, and I fear that contacting the company without support will not get me anywhere, as I have read some very negative reviews about this new company, Conduent. I have no idea who to reach out to about this. I have found many resources online, but I am not sure which ones can be trusted or which ones are just other lenders or scammers. I found this resource, and I am making a plea for assistance, advice, information ... etc. Finally, when I clicked on the Website information for Conduent that is linked from my student loan account, I received a message indicating that the website I was trying access may be impersonating the company website to get access to my personal and financial information. I have attached screen shots of all of this information for your review.
XX/XX/XXXX just prior to graduating, I consolidated my loans and my Federal Loan was locked in at 3.75 % APR. XXXX was my loan provider. At some point, they switched to XXXX and somewhere between XXXX XXXX and XXXX, my APR went up to 4.75 % which was not supposed to happen since I was locked in at 3.75 %. I enrolled in a Loan Forgiveness Program and my loan was taken over by FedLoan. I requested a forbearance for the XX/XX/XXXX payment, which was approved. I was informed that if I paid the interest while in forbearance, it would not be capitalized. I paid the accrued {$53.00} interest charge on XX/XX/XXXX ; I again paid the accrued {$5.00} interest charge on XX/XX/XXXX. These payments were interest payments and should not have gone towards the principle since I was still in forbearance. Now just 24 days later, My accrued interest charge is {$42.00}. There is something wrong here and I think I am being charged way more interest than the 4.75 % that I am locked into. I complete an employment verification form annually, which determines my monthly payments. I am requesting an investigation into this company 's interest rates policy and also an investigation as to why my 3.75 % lock in rate was changed to 4.75 %. I have attached documents pertaining to complaint in hopes that this will assist you in understanding my case. If you need further information, please contact me at the phone number and/or email given. Thank you for your prompt attention to this matter.
I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the XXXX, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
Citibank N.A. charged my credit card for services and fees that have been deemed at the time of charge as illegal and unfair practices to bill consumers these types of Fees. They have also overcharged interest fees as well. This illegal activities has been already decided in XX/XX/XXXX. My initial inquiry to Citibank was at XX/XX/XXXX, and my credit card had been open in XX/XX/XXXX. The years of Citibank 's deception and illegal practices in charging consumers illegally was from consumer credit card, etc., from XX/XX/XXXX - XX/XX/XXXX.  There are other acct numbers which were from the same account and the last digits are as follows : XXXX ; XXXX ; XXXX ; XXXX, etc. A few cards were supplied with different numbers over the years and changed due to security reasons ... The whole account is subject to a review. I have asked many times and filed complaints many times over the years. This company dragged their feet on the initial claim, and then did not respond to future inquiries. I have much more information that I can send you with all the billings, and I have much of the information. I am missing a few years 9of info in earlier years, but I have been trying to get additional info from Citibank NA and they are now non responsive
We filed a complaint here and dispute the vague response from the servicer Ocwen XXXX. The procedure to keep up with this complaint is a bit confusing to us. We called the phone # given XXXX XXXX XXXX and the person handling this case has a message that she will not be back in her office until XX/XX/XXXX. We were not disclosed the papers submitted to this case. Total bologna.