WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was hit by a car and sustained XXXX XXXX and had XXXX done. I have been unable to work. I provided documentation to Navient and qualified for the income-contigent plan on the federal loans. For the private loans I was told I used my all my forbearance time but my recollection is that I did NOT use it all. I had no way to contest this and was offered no other option but to pay for the private loans in spite of my explaining my situation. I have no sick pay while I am out and not working. When they call me, it 's several times a day and sometimes a voice message telling me to call them so I can speak to a specialist that will offer me options. However I am NEVER offered options and instead told I must pay, in spite of my situation. I feel harassed by these calls as they will take place several times in one day, and in some cases the people have been rude. One occasion they asked me how am I able to pay other bills and this is really none of their business how I am managing. I was then told 'okay so you refuse to answer '. Their wording of my questions is that I am solely to blame. Furthermore, I have been paying off these loans diligently and have obeyed all their rules since I took these loans out in XX/XX/XXXX. Repayment began in XX/XX/XXXX and I have been paying regularly since then with more than % 8 interest. I am trapped in this interest rate and it is extremely difficult for me. I have been offered no other options and I do no know what to do.
I am contesting the account with XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$910.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 184 % usage. I need Experian and XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX anything since the account was opened and used without my consent and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian.
On XXXX XXXX {$25.00} was debited from XXXX rather than XXXX as it was supposed to. Rather than using the overdraft protection that I requested to come out of XXXX, the account accrued ridiculous d.a.i.l.y. fees for a simple {$25.00} balance. 

On XXXX XXXX, the full negative amount was XXXX from account XXXX, after {$150.00} in fees had racked up - rather than simply doing this from the start when the {$25.00} was initially taken. 

When I called, I was told nothing could be done as I already had a courtesy refund of fees earlier in 2017, which is untrue, those fees were requested due a billing dispute. The snotty representative told me to close the account, then. 

I work for a bank and I can tell you - this exact behavior is why customers hate us. These disgusting business practices are why banks have no trust among American consumers. I would never treat a customer like this and find it reprehensible that PNC ca n't make money in an honest way.
On a letter datedXX/XX/XXXX, my mortgage company, Nationstar, sent me a letter informing me of a shortfall in the escrow account of my first mortgage. My accounts are impounded. It said that if I took no further action, the shortfall would be spread out in my monthly payments beginningXX/XX/XXXX. I took that to mean that my XXXX statement, due onXX/XX/XXXX, would be impacted to the tune of {$60.00}. This happens all the time and I understand and am happy to oblige. My understanding of this was further reinforced by the Mortgage Loan Statement I received from them with a statement date of XX/XX/XXXX, in the amount of {$1900.00}, my usual payment for the last year. That is the amount I put in to pay on my online bill pay service as usual. <P/>Today I called them to make sure that was correct, and was rather concerned that they said it was not correct. I owed them an additional {$60.00} as of XX/XX/XXXX. When I asked why, I was told that there was a shortfall in the escrow and I owed that money. I understood that and knew it was coming ... next month. And my statement from Nationstar, which is in effect a bill, said that for THIS payment I owed {$1900.00}, dueXX/XX/XXXX. Had I not called them onXX/XX/XXXX at XXXX PDT, I would never have known, until they had already reported me delinquent, that I owed an additional {$60.00}. While I can cover that amount, I have two problems with this : 1. My credit could have been negatively impacted through no fault of my own. 2. This business practice sets up consumers to be abused and harassed for things they did n't do wrong for an extensive length of time. My only saving grace is that I called to double-check. <P/>Personally, I have already begun looking for a new mortgage lender, because this level of incompetence is terrifying in the mortgage world and can potentially effect thousands of customers who may rightly take their mortgage statement at face value, as they should.
A representative claiming to be from XXXX XXXX XXXX has tied up the phone line of my work place for over 5 hour on XX/XX/2018 after being told that they need to contact me on my private phone. while talking to them on my cell phone they robo-called the office number continuously. As far as I know I do not owe them anything but they are trying to get me to pay {$780.00} by way of XXXX XXXX cards. I contacted the local sheriff Dept. they advised my it was a scam that a true debt collector would never ask for gift card. 

They claim that if I continue to refuse to pay them they would continue to call.
I have a credit account, XXXX XXXX XXXX, that is more that 7 years old that is staying on my credit report. It contains negative information. It has a past due amount. 
I want the credit account deleted. Requested by the credit reporting company, Equafax, and XXXX XXXX. They will not delete it.
XX/XX/2018, {$96.00}, This account is with Pay Pal through XXXX XXXX. They have charged me on last months balance instead of the current balance. I called them about this and they insist that it is stated on the back of my statement about daily balances. I am fully aware that this is the way it is done but on the current balance not the months before. I had a balance of {$5300.00} last month with a interest of {$110.00}. I paid {$2700.00} which left a Balance of {$2700.00} and they are charging me interest on {$4100.00} which is {$96.00}. I know fully well how to figure daily interest rates on balances and it is not this. I made the bill and am fully prepared to pay it but not be fleeced by a rouge financial institution that charges whatever they want whenever they want. I check interest amounts on all my accounts and have never had this happen on any of the others. I am very angry that people can get away with this type of thing and no one the wiser unless they know what to look for. OH!!! this makes me so mad, to think they are able to take advantage of myself and any other unsuspecting consumers and get away with it..
AMERICAN MORTGAGE made a hard inquire on my to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is AMERICAN MORTGAGE hurting my ability to move '' and making unauthorized hard pulls?
I filed a complaint regarding Wells Fargo Home Mortgage a few weeks ago under Case # XXXX. Wells Fargo requested more time to investigate the matter. 
This on Monday XX/XX/XXXX a letter ( See Attached File ) from Wells Fargo was sent to me and it was back dated to XX/XX/XXXX. And it was sent to my previous address out of state. In the letter Wells Fargo states it regarding my previous application for home financing and not about current home and its a notice they should have sent XX/XX/XXXX. It 's the Notice of Action Taken and Statement of Reasons. They are stating I should have received this disclosure during that time but I did n't. This letter was for a previous property that I was trying to buy but the deal did n't happen due to a difficult seller. So we moved on to buying the new property which Wells Fargo holds my current mortgage. 
I believe once I made the complaint under Case # XXXX, Wells Fargo is trying to cover there tracks by back dating this letter and not trying to investigate my complaint properly.
My vehicle was declared a total loss in the XXXX XXXX, LA floods. My insurance made a short insurance payment for XX/XX/2016 ; there was still a remaining balance of roughly XXXX to be covered by gap insurance. I reversed my automatic withdrawal car loan payment for XX/XX/XXXX because I thought the insurance payment of XXXX would cover it. Now Chase bank has reported that I am behind on my car payments and this is unfair. Please help me. I 've never missed a payment on any of my loans.
I refinanced my loan with Wells Fargo. It was a nightmare to begin with, but finally we closed in XXXX First payment was due in XXXX. When I got paid on XXXX XXXX I signed in to the website to pay my payment and noticed that it said XXXX XXXX was due date. I contacted Wells Fargo TWICE to verify without a doubt that I did not owe until XXXX XXXX. I was assured both times that I did not owe until XXXX XXXX so I paid off another debt and used the rest to buy things for our baby that is due XXXX XXXX. On XXXX XXXX I get a delinquent tax notice in the mail, even though when we closed it was time to pay taxes and my escrow account had the funds in there AND with the refinance they set aside money as well. I contacted my county, they said that they were not paid. I immediately contacted Wells Fargo and was told that the check was mailed out on XXXX but it had not cleared. I contact XXXX Co again, and they have nothing. The next day, on XXXX XXXX, I get an email from XXXX Co that says they have been paid. I assumed the check was located. Then on XXXX XXXX I get an email from Wells Fargo saying my tax documents had been corrected. I sign on to the website to see what was corrected only to find that I am now 18 days late on my mortgage payment ( the one that is not supposed to be due until XXXX XXXX according to 2 different customer service reps - I still have the emails so its in writing ). I was also charged a late fee. It appears that they never actually paid my taxes like they said, instead they applied the tax money to the account. However, how would I know that when the activity shows the amount held out and they told me that they had sent it? Now I owe a payment that I can not pay until XXXX XXXX at which point I will still be one month behind, 30 days late, incur yet another late fee because XXXX will also be 30 days late and this will be a continuous cycle going forward, every month I will be 30 days late, every month I will pay a {$53.00} late fee, and every month it will continue to destroy my credit. None of this is because of my own actions. I took every measure to ensure that I was not spending money that I owed on that month. I was assured that through the refinance there was left over funds that were applied which is why that payment was not due.
I received a call @ work on XX/XX/2017 and I took this call at work something I dont usually do because my job really doesnt allow personal calls to me this sounded very important they guy XXXX had me going.. He explained to me from how I was told that bye me paying him a total of XXXXx3, my student loan would be exempt now I didnt know that he was just filling out paper work something I could of done for free not paid a third party. When I stared to receive the invoices from Navient I made a call to them to see what was going and they explained to me how XXXX XXXX XXXX XXXX XXXX has nothing to do with them and they charging me has nothing to do with Navient. I tired to call XXXX at XXXX XXXX XXXX XXXX XXXX they put me on the phone with XXXX XXXX no help at all!! So I had no choice to contacted CFPB.
My deceased father had a mortgage with the servicer Ocwen. I am selling the home and when I requested a payoff, I was told that it was {$100000.00}. The purchase price of the house in 1978 was only {$100000.00}. Although my father refinanced the home, I believe that Ocwen has greatly inflated the payoff amount for the home. Will you please look into the payoff for me and make sure that Ocwen is asking for the correct amount. Thank you!
I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.
REQUEST FOR VALIDATION OF DEBT Dear, XXXX XXXX XXXX   Your letter was received on XX/XX/18 alleging that I owe a debt to an original creditor named XXXX XXXX XXXX Im not aware of this account You are reporting XXXX XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or XXXX XXXX XXXX 

So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 

NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX   that the principle, of this debt is in dispute. 

Please correct the records with all reported credit bureau, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 

Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I have three loans with navient. I am currently in a XXXX school program and my loans should be eligible for in-school deferment. I spoke to over 10 people on the phone at navient to try to handle this and was continuously given faulty information. First they told me they needed a letter from my school, which i provided, and was told this was not enough. I was then directed to a website to have my school fill out the form, which they did, and again I was told this was not the proper form. I had to repeatedly explain my situation to try to locate the proper form. This took a lot of time and energy. Finally after being redirected numerous times, someone emailed me the appropriate form. Which I then had my school fill out, and again I was told the information was not enough. At this point, I just gave in and paid well over the balances on each loan, only to find out that during this time they had reported me to the credit bureaus. This was something that was in process, and I was explicitly told that I had until a certain time before my credit would be affected. The reported me a month before the date they had given me.
I have an account at Wells Fargo Bank that is a part of the merger to XXXX XXXX XXXX and Wells Fargo took it upon themselves back in XXXX of 2018 to keep all my accounts at Wells Fargo and is not allowing to go with the merger. I contacted Wells Fargo numerous times about having my one eligible account merged to XXXX XXXX and have had nothing but run around. They refuse to let me speak with upper management. The merger is complete on XX/XX/2018 and I have yet recieved my welcome kit and new debit card from XXXX XXXX XXXX.
XXXX XXXX  has ruined why credit profile, they are reporting this on my credit as though I owe them. I dont owe this account. I am a victim of fraud as well id.identiy.  They keep telling me that they have removed it off my XXXX report however as of XX/XX/2018, It is still being reported and Im being denied credit based upon this account showing as collection,
On XXXX/XXXX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XXXX/XXXX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to XXXX # : XXXX
I check my credit scores via XXXX XXXX, XXXX XXXX and Equifax have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and Equifax by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Sometime in XX/XX/XXXX, I visited the XXXX XXXX store in XXXX Arizona. As I was paying for my {$24.00} store purchase with my debit card, the store representative said I could save some money by staring a XXXX card, so I agreed. I recall completing my purchase and being told the card would be sent to my home. What I was not aware of was that the XXXX store charge for {$24.00} that I thought was incurred on my debit card was actually incurred on my XXXX card, one that I had not even received. By early XX/XX/XXXX, I had relocated to XXXX XXXX due to my job and signed a lease for my permanent residence in XXXX XXXX ( see attached lease copy ). So I was not at my address to receive any notices XXXX sent, in addition, I never even received the XXXX XXXX card, and was not even aware of its existence. 
I became aware of the situation when I checked my credit report showing that XXXX XXXX is reporting me charged off. I immediately called XXXX who referred me to XXXX XXXX XXXX, with whom I paid the account in full. I have sent letters to XXXX XXXX and filed a complaint against them with the BBB ( complaint ID XXXX ) and XXXX XXXX responded saying " Unfortunately, we are unable to purchase XXXX XXXX XXXX XXXX Credit Card account from Portfolio Recovery Associates ( PRA ) because the balance has already been paid in full. We have forwarded his concerns to PRA and have requested PRA delete the trade line from XXXX XXXX XXXX credit bureau files. '' last XX/XX/XXXX. 
Portfolio Recovery is saying that they did not receive any instructions from XXXX XXXX with regards to deleting the account from my credit report. Last XX/XX/XXXX, XXXX XXXX, from the Office of the President of XXXX XXXX, emailed me saying, " I will be reaching back out to Portfolio Recovery Associates ( PRA ), with regard to the matter. Once I receive a response from PRA, I will mail a formal written response to you. ". Portfolio Recovery Associates still is reporting the account even though the original creditor admits that they 've made a mistake. XXXX XXXX even Deleted the account from their end as stated in their BBB response. Please see attachments.
I have been asking wells fargo for over 1 year to answer questions & they refuse to answer. In XX/XX/2005, my XXXX & XXXXyr old now deceased parents were coerced into a 30 yr. refi via 2 telemarketers : XXXX XXXX & XXXX XXXX . My mother suffered from XXXX & my father from XXXX XXXX & were taking prescription medication which causes confusion & worsen XXXX in the elderly. Wells has been paid {$71000.00} on an {$81000.00} 30 yr loan. It was a bad loan doomed to fail. A loan w/unclean hands, equitable estoppel & unconscionability. A criminal violation of CT predatory lending laws. I was quit claimed my parent 's home & paid on the loan for 3yrs. 6mos. until learning of the loan 's inception. That is when I stopped paying & began asking wells fargo questions. Out of desperation & under stress from Wells, I sought a reverse mtg. All the reverse would lend was {$20000.00}. This would have brought the loan total to {$91000.00}. Wells refused the offer. They knew my parents at their advanced ages could not live 1yr let alone 30yrs. & only cared about their commission. The telemarketers never offered my parents mtg protection ins. or another program to suit their needs. They offered a loan to 2 elderly people that would render them into foreclosure or homelessness. I won't pay for a criminal violation.
I called into Freedom Mortgage for the last 2 weeks in hopes of getting a 6 month unemployment f/b due to the fact that I am unemployed. I am actively seeking employment and have a new job offer on the way. I was requesting the mortgage company speak with my girlfriend. I sent in a third party authorization several times. The company told me that it was received. I had my girlfriend call in on XX/XX/19 after speaking to XXXX at ID XXXX he told her he can't speak with her and hung up on her without any explanation. Freedom mortgage please review the call. XXXX was not knowledgeable, did not have basic information nor could he direct us to receive any information. We called back and spoke with XXXX at XXXX. XXXX verified the callers, received authorization from the account holder to speak with my girlfriend and proceeded to transfer us to loss mitigation to request an unemployment forbearance. Upon speaking with loss mitigation we spoke with a rep named XXXX XXXX who was less than helpful. XXXX did not appear to have knowledge on any of the products being offered. She proceeded to offer me a repayment plan in which I could make the full payment plus the arrearage spread out over 3 months. I kept explaining to her that not only could I not make the regular mortgage payment, there's no way I could get on a repayment plan until I am back working. She contradicted herself several times on what assistance could be offered. When I requested to speak with a supervisor she declined and said she would put in a request for an unemployment forbearance and I would have to wait 7 business days to see if I'm approved. In the meantime we have wasted weeks of our time with a servicing shop that is not knowledgeable and can not assist us with the help that we know is available to us. An unemployment forbearance is in place for borrowers who are unemployed. It's a short term assistance offer. At the conclusion of the forbearance the hope is that we may enter into a loan modification to cure the delinquency. At that time the borrower will be gainfully employed and able to make the mortgage payments and stay in good standing.
I was contacted by Medical Revenue Service on my job about 2 weeks ago. Advised representative to not contact me on my job. On XX/XX/2017 XXXX called my job. I contacted them back and spoke with XXXX, told him to please do not call my job.. He stated that when they receive a new bill that 's what they do. Because they do n't know not to call.But he did waste time telling me about the old bills. XXXX said, the time I waisted to tell him not to contact my job, I could of taken out my debit card and pay these bills. Started yelling at me, that I needed to pay my bills and I was n't listening and he will disconnect the call.