WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX acess to my online account since XX/XX/2016. When you call their toll free number XXXX and XXXX it says that they are temporarily closed and they hang up on you. I do n't receive anything in the mail so I have no idea what I owe. I do n't want to send a paper check because at this point I do n't trust this company and they probably wo n't able the payment how I want it and plus how would I even know if I do n't have access to anything. I do n't understand how this is legal. For a credit card or mortgage they have to send you statements and give you access online but it seems like student loans are allowed to do whatever they want without any consequences. If this is not solved I am going to go to the media so they can see how great it is to get a student loan.
Round Point Mortgage failed to calculate the appropriate escrow amount for last year 's tax bill, as a result I have stated they need to recalculate the amount I am charged on a monthly basis. This overestimation resulted in an approximate {$3500.00} refund from last year 's property taxes, which would be about {$290.00} reduction in escrow on a monthly basis. I have attempted to resolve the issue on 5 different phone calls ( all of which were unable to confirm the discussion through email to have a record of these conversations ), and over 3 secure messages. Their poor customer service has added no assurance that this matter is being taken seriously, and has me wishing that my XXXX mortgages that are currently with the organization had been sold to a more customer friendly and responsible mortgage service provider.
Experian is reporting Collection accounts from XXXX ( a Debt buying company ) These accounts are from a XXXX hospital I have never been. 
Also the COLLECTION ACCOUNT values are at XXXX balance. It is unlawful to report a collection that has no value
Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX
This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
I checked my credit report and notice that Equidata is reporting XXXX tradelines, I never received any notification from them to dispute the debt. I sent a letter to them in reference to them not sending me an early warning notice with a right to dispute and still no response.
Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.
On XX/XX/XXXX, I wrote a letter to Equifax in relation information I received from Foremost my Auto Insurance Company.

Equifax reported to the insurance company an address that was commercial, never residential. Once in XXXX, I had an office there. I don't, nor have I ever lived at the XXXX XXXX XXXX XXXX XXXX address. 
When I try to log onto the Equifax site I am provided information for accounts I have never had in my life. 
On XX/XX/XXXX, I emailed my driver 's license and my Electricity Bill in an attempt to have them remove the inaccuracies from my account. 
On XX/XX/XXXX, I faxed my Driver 's License, My Electricity Bill, my Voter ID, My XXXX XXXX XXXX Card to Equifax. 
Someone should be able to talk to me when I am able to talk with them. No one responds to voicemails. No one responds to US Mail and you have to already not have a problem too log on to Webmail. On XX/XX/XXXX, I also used the webmail form to make my complaint. Now, it is XX/XX/XXXX and my insurance is still higher than it should be because this consumer company is not responsive to consumer complaints. Please help me. I simply want the correct information on my consumer credit report. 
XXXX XXXX
On XXXX/XXXX/XXXX Bank of America Merchant Services made a withdrawal adjustment of {$550.00} from our merchant account. We have not received anything in writing regarding this dispute. Verbally we confirmed the original charge was a car rental in person, swiped debit card, pin entered. We provided an email response on XXXX, and a writen response on XXXX and had not received anything back from Bank of America in writing.
Good morning, As a single woman who pays her home mortgage, it has become very difficult to keep on time most months. I have asked Ocwen at least three times to modify my loan. They make me go through so many signing of documents and in the end, the answer is no. The first time it was because " they owner of the loan did not participate in the HAMP program ''. Now this time because I am not delinquent! I have to pay them {$85.00} because I am late by a week or two, so they do not consider this delinquent then!!! This is a very frustrating experience with Ocwen. 

XXXX XXXX XXXX
I signed up for a Citigold checking account with the promotion of XXXX XXXX XXXX points after you spent {$1000.00} on the debt card and completed a online bill pay for XXXX consecutive months. 

I completed all requirements and had a representative from Citi confirm this via online chat that the points would be credited no later then XXXX/XXXX/16 " I have attached the conversation ''. 

I have reached out to Citi and they informed me a case/investigation would be opened and I would receive a response in XXXX business days. I have yet to receive any communication regarding this and it has been much longer then XXXX business days, at least XXXX weeks.
I purchased a pair of shoes from Macy 's in XXXX. They did not have the shoes in stock so they were having them sent from the XXXX store. 
The XXXX store called me a week or so later saying they had made a mistake and did not send the shoes. They were no longer in stock and they would credit my account. 
They did not and I have contacted Macy 's XXXX XXXX by detailed letter. I then recieved a response from Macy 's Biling Adjustments saying the shoes were sent and received and they have considered the matter resolved and closed their investigation.
I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession.
We did a refinance with Wells Fargo. The closing was XX/XX/XXXX. 
At the closing they said that it is difficult to calculate the payoff of the old mortgage and that we were getting {$3000.00} more than we needed. I think its a scam. They have to get closer than that. Now it is XX/XX/XXXX and we are still waiting for our XXXX. How many people per year do they do that too? Interest they make would be staggering. Again I believe it is a scam.
I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.
They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
I sent a wire transfer from my bank to a receipient in XXXX to purchase products but the receeipent said they never received the funds. I called my bank several times requesting to get my money back but I was told to contact the receipient. the receipent is allways saying they never got the money and my bank is saying to contact the receipient. I allways thought money transfer is a safe way to send money but not in this case Please help me get my {$550.00} USD
I had a medical debt for XXXX dollars with a different collection company and i paid it and had it removed from my credit report in exchange for payment. I am trying to refi my home loan and a brand new collection for the exact same amount is now on my credit report from a different company. They wo n't send me any proof of the bill. I believe its because its a duplicate bill that has already been paid. I 've attempted to have this removed already with the company and the credit bureaus.
Never sent me validation that I owe this debt. Only a copy of lease and keeps reporting it as negative on my credit reports.
I opened a credit card through Costco for my business. It was run by XXXX XXXX. It was a new credit card so the billing date was new to me and I was late in some of my payments by a day or maybe up to a week but I never missed a payment. They are now charging me an outrageous 29.49 % interest rate on my account balance of {$24000.00}. 
Now that Costco has purchased these accounts from XXXX XXXX and now run them through Citi Bank they are still insisting that I pay the 29.49 % interest rate. I thought that the new laws protected customers if they were a few days late on a payment?
I recently filed a complaint with the CFPB about Equifax Consumer Agency refusing to provided me with my consumer credit report. Now, Equifax is falsely stating that I have placed a Fraud Alert on my Credit Report, which is not true at all. Equifax has also notified all the other Credit Consumer Agencies of a false Fraud Alert that I have not submitted at all. Would someone please assist me with this issue please?
I opened up a XXXX XXXX rewards prepaid card ... I shop at XXXX TONS. My card was approved mailed to my home I activated it and gave the direct deposit info to my employer. When this past friday came I opened my paycheck to see my money had already went direct deposit. So I checked my card to see this ... XXXX BALANCE. So I immediately freaked out. Its a holiday weekend so my payroll dept had left. I contacted the card company who told me.. I had to verify my address my accounts load limit has been set to XXXX until I did so. Thru out the course of Friday and Saturday I placed 16 calls to this cards reps. And sent 7 faxes. Kept being told once my address was confirmed by fax my money would load all the reps and supervisors told me they could see my money hanging out there to load. So TODAY I finally got someone to get a floor supv to pull my fax update my account which btw the problem was I needed to verify my ID. Not MY ADDRESS. So after calling to confirm my fax was recieved I was told yes it was everything was verified my limit was raised and for me to check my card after XXXX because my direct deposit would be credited after that. At XXXX tonight it still wasnt there I called in got a supervisor who told me point blank I have been lied to by all the reps and supervisors and floor personal that my direct deposit was returned to my employer. I would have to go to them for my money ... When I asked questions he was vague about the answers claimed the previous 14 calls I had placed I was lied to .... SO we are a low income family with XXXX small children. And I a XXXX paycheck I cant access. Not to mention we are in the middle of moving.. I cant pay for the utilities to be switched or pay my landlord as promised yesterday. I am sitting at my job crying as I type this. I feel I have been scammed by these people and their only answer was write a nasty letter and mail it for the corporate to see??? They apologize for the inconvience and I can have my employer resend it andi t  will go on there with no problems UHH NO. I have done some research an I am not the only person US BANK/XXXX XXXX REWARDS CARD has done this to. Is there anyway we can get this on the news???? I dont want another family to face what I have and their hands to be at the mercy of these scammers. How do you approve someone for a prepaid card mail it to them with their name on it ... Let them use it to reserve a XXXX.. Then when their first direct deposit tries to come thru with everything matching name address ss # and employer all of a sudden they have to prove they are who they say they are ... And its so their deposit thats " hanging out there '' can come thru when supposidly I was lied to and it had already been returned? When I had 2 days to send my verifications from the date of my deposit which was friday the XX/XX/XXXX ... All of the reps I have spoken to is like they dont get it or understand this ... ..As of today Monday XX/XX/2018 I still have answers to why I was given the card and the there was an ID issue. Or why I was told my direct deposit could be seen by them and now its gone ....
XX/XX/XXXX : This morning, I became aware of the Equifax breach which happened between XX/XX/XXXX and XX/XX/XXXX and I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I went ahead and ordered my credit reports through XXXX, checked for any discrepancies and followed up with a 90 day fraud alert as well.
I have incorrect information being reported on my credit report from all XXXX credit reporting agencies there are XXXX liens from XXXX XXXX that were placed on my credit reports from Equifax, XXXX and XXXX XXXX that states the liens are there but, the liens have been dismissed so, why are they still reporting them? I want them removed because they have a negative impact on my credit score.
There are XXXX agencies reporting that I owe them money and I have not even lived in the country for XXXX years plus. I would like these fraudulent charges to be removed from my credit score as it is greatly affecting me. 

XXXX ONLINE BANKXXXX XXXX, XXXX $ XXXX was living in XXXX XXXX at this time and it is IMPOSSIBLE that I opened up an account and I have never had a credit card with XXXX XXXX Bank XXXX 

XXXX AT XXXX XXXX, XXXX {$480.00} Again, I was living in the XXXX XXXX for XXXX years and I did not have the use of any XXXX XXXX XXXX service. I put my account on hold and they seemed to think it was ok to charge me when my phone had NO usage. They took my account off hold without my permission and started charging me.
FIA Card Services repeatedly billed numerous duplications of an unauthorized charge over a period of more than a year. By phone, they acknowledged the charge was unauthorized and credited back some of the instances, but then rebilled the same charge in duplicate. According to the Fair Credit Billing Act guidelines, I sent certified dispute letters on XXXX dates ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX ). FIA Card Services did not respond at all to the first XXXX letters and only acknowledged receipt of the XXXX/XXXX/XXXX letter, saying they would research and respond. I never received a response to my detailed documentation of their error ( s ). They continue to bill me and add penalties, they referred me to their collections department, and they reported me as delinquent to credit reporting agencies - all in violation of the Fair Credit Billing Act and their own Billing Rights statement.
15 U.S. Code 1692g - Validation of debts states : ( 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 a 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. 

THIS MATTER HAS BEEN IN LITIGATION SINCE XX/XX/XXXX. YET, XXXX XXXX, XXXX IN VIOLATION OF THE FDCPA CONTINUES TO REPORT THIS DEBT AS VALID. THE COMPANY HAS EVEN RE-AGED THE DATE OF THE DEBT. 

THEY ARE REPORTING TO XXXX CREDIT BUREAU THE DATE OF XX/XX/XXXX AS THE DATE THAT THE ACCOUNT WAS OPENED WHILE XXXX   LETTER, DATED XX/XX/XXXX in YOUR cfpb files - OFFICE OF THE PRESIDENT state that the account 's was OPENED in XXXX ; last date of activity was XX/XX/XXXX. So how can XXXX be reporting an OPEN DATE OF XX/XX/XXXX? How can a matter in litigation be validated?
We have been set up to fail on this mortgage from the get go! I have been working with XXXX XXXX at Rushmore Loan Management to save my house and the only solutions I have gotten are loan mod trial payments that are increasing my payments instead of reducing them. A year ago I lost a $ XXXX job. I was out of work for 2 months with no income and only my wife 's {$55000.00} income. I asked for help and was told to do a short sale as Rushmore deemed I couldn't afford the house. I then got a job with a salary of {$55000.00} to match my wife 's. We get approved for a loan mod trial payment that is about the same amount as my current payment!!! ( The one that is already too high! ). Well they set up the mod trial payments to begin immediately a week after requiring me to come up with {$2000.00} down payment so immediately we are gon na run behind because they didn't calculate the extra month and give us enough time between payments. C'mon really???? That is just setting us up to fail! We did, we were never able to stay current because we started out delinquent on it. So I go get another job that pays more - {$60000.00} back at my old employer XXXX and I again petition for some relief on our payments and we get approved again. Again I had to come up with another {$2000.00} down payment and again was given only 7 days to make the 1st trial payment of get this {$2000.00}!!!!!! Again we started out delinquent on the trial plan - well now we just received the 10 day letter that the plan is being canceled because we fell behind! You started us behind and again we were set up to fail! OK we lost {$28000.00} income and now our mortgage payment gets raised another ball park $ XXXX. We are asking for a lower payment not a higher payment!!! Then I get told at least it will bring you current!! So we can default on the higher payment again. The idea is to fix it right the first time. I also was told if I can manage to pay it for 1 year on time we would be eligible for a refi. No one is gon na refi us with our credit like it is! 

We offered to pay $ XXXX for the house and was told not enough. That is 25 % of our net monthly take home pay. It would be on time every month. My wife does XXXX XXXX at XXXX ( she is an XXXX ) and they offer numerous alternative mods where they balloon balances on the back end to hit an affordable payment. They also set payment structures temporarily for say 60 months at reduced payments to help people get back on their feet and save their house. We have been offered no interest rate reduction, no term extension, no payment reduction. No nothing except pay more and the payment goes up, up, and up. It is almost as if Rushmore wants us to fail so they foreclose on our home of 11 years. 

We can pay and want to save our house. Please help us and please stop raising our payment so high it is un-affordable to us.
Contacted Equifax about a Hard inquiry on my allegedly reported from XXXX XXXX dated XXXX XXXX XXXX I believe to be wrong. Also contacted XXXX XXXX. XXXX replied with letter dated XXXX XXXX XXXX confirming according to their records, that entry of the hard inquiry appearing on my Equifax reported date XXXX XXXX XXXX is indeed wrong. It will be attached.