WillisBack/dataset-financial-user-claim huggingface dataset:
I entered into a payment plan of XXXX payments. Upon making the second payment, the company ( XXXX XXXX XXXX located in XXXX, OH ) with malice intent to defraud me, placed the account into collections in an effort to collect the debt again. I spoke with a representative from the collection agency ( Recovery One XXXX XXXX XXXX XXXX ) and told them this account was paid in full on XXXX/XXXX/2016 and to check with their client. I have since received XXXX phone calls and a mailing date XXXX/XXXX/16 from the collection agent demanding payment for this account. XXXX acknowledged receipt of my payment, however they continue to refuse to remove the account from collections despite this account being paid in full. XXXX has an F rating with the XXXX Ohio. In reading other people 's complaints, it appears this company willfully attempts to defraud others as well.
There's a collection showing on my credit in the amount of {$2500.00} and original creditor was XXXX XXXX. The collection company is receivables Performance who were rude and not helpful when I called. My name is common and I have never had an account with XXXX which they acknowledge. The collection agency won't listen to me and aren't willing to investigate it with XXXX, they just want their money. I don't owe this money and I really am upset because this is ruining my credit. I disputed through the bureaus and they haven't responded so I am hoping that your institution will take action in my defense. 

Thanks XXXX XXXX XXXX
Old debt reported by Equifax recently is older than 7 years and should be removed. Debt is XXXX in the amount of {$180.00}.
My husband was laid off in XXXX, creating a financial hardship. I contacted Ditech when we realized it was going to take a while for him to get his old job back. Upon doing this Ditech told us that we could apply for loss mitigation. They assured us that we did not have to worry about making our house payment during loss mitigation because nothing would happen during this process they could not do anything about it, there would be no foreclosure taking place. They also told us that if the loss mitigation application was denied they would work with us on making repayment to Ditech. One representative quoted {$1500.00} a month and ask us if that was doable. Other representatives gave us conflict thing information on a regular basis. But overall we were told we did not need to worry about our mortgage payment repeatedly. Now Ditech is telling us that we have to pay them almost {$3000.00} in order to catch up our payments. They will not except just one month to start. Although they did except it once before but now they 're telling me they wo n't. So instead of being able to work with them to set up a repayment program as they repeatedly told us they would do, they are requiring all late fees and two months worth of payments in the next 13 days or foreclosure proceedings will start. They have lied XXXX 's repeatedly during this process, one representative after another with different information. Some agents told us that we would have the payments tacked onto the end of our loan, some representatives told us our interest-rate would be lowered, some representatives told us that our loan would be put out to a 40 year loan. Again repeatedly assuring us that we did not have to worry about making a mortgage payment that they would work with us if our loss mitigation package was denied to set up a repayment program. None of this turned out to be true.
XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. 

I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. 

Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. 

I really appreciate it! 

Thank You! 

XXXX XXXX XXXX
I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, Experian, and XXXX on notice and they have not complied within 30 days time frame.
I have a contract and billing issue. They loaned me XXXX and electronically debited my savings account for XXXX for XXXX4 months. They than debited my account and twice when they had agreed twice to take out the full amount and my loan would be paid in full.The company continued to debit for an additionally 2 months for XXXX. Instead of the full amount. The contract reads that I can pay off early as long as I let them know ahead of time as stated in their contract. I have blocked my account and paid a {$25.00} fee to the credit union. for the block. I also have an active case with the XXXX in XXXX. I also paid them for at least 4 months XXXX for a {$300.00} loan. Also they call themselves installment loan and payday loan company. They say they are XXXX depending on what day it is. Mine is XXXX but there is only XXXX loan. Also this is the other website XXXX This is the name the original loan company before they became big picture loans.
I am an American citizen living abroad. US Bank unilaterally closed my account and sent me a regular letter dated XXXX/XXXX/2016 that arrived in XXXX after the date of closure XXXX/XXXX/2016. I was told that the account was closed because my primary residence was outside the XXXX. No provision was made for outstanding credit card payments or loan repayments. The bank check of my funds could not be mailed outside the US. They refused to reinstate the account until another solution could be found or other arrangements be made for the payments coming out of the account. At no time was my account in overdraft. They accepted an online check deposit 2 weeks earlier. They had my email and phone but made no attempt to contact me earlier.
There is a tax lien from the state of kansas on my transunion credit report. I have made attempts to contact transunion about the inaccurate information they have place on my credit report. There are numerous inaccuracies with the information they are reporting, the amount of the lien is incorrect, the dates of the filing is also not accurate. Even with these incorrect entries, they also refuse to report the lien as being paid, which as you are aware is devastating to my credit rating. The sheer fact that the state of kansas would let me go years without paying a tax lien is unheard off, they would have levied everything i have, garnished every paycheck and taken everything from personal banks to satisfy their lien. The simplest truth is that with this inaccurate reporting of what transunion has reported as facts has cost me dearly in terms of obtaining favorable credit in terms of home and auto loans, and on numerous occasions kept me from obtaining new credit with banks whether for personal or business. My resolution to this is for this inaccurate entry on personal credit report be deleted.
My XXXX year old father sent numerous wire transfers and money orders/money grams to someone he met on the internet. ( both domestic and international fund transfers ) The total amount is approximately {$700000.00} and took place from XX/XX/XXXX-XX/XX/XXXX. My Dad had a XXXX and XXXX, but I found documentation and account numbers and emails and have enough information that this should be traceable. I believe this is an organized crime that my Dad fell victim to. Please help investigate so this doesnt happen to other XXXX citizens.
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Its not reporting accurately.
I am a recent graduate of a XXXX looking for guidance with loan repayment options. I came across a company called the student loan help center who helped me through the whole process and explained the loan forgiveness options I qualified for. After all was explained they said they would help to consolidate my loans and enroll me into the loan forgiveness program if I made a one time payment of XXXX dollars. I impulsively agreed and setup a three month payment plan thinking this was a good investment. After reading several articles online I realized no one should have to pay for these services, and there are free student loan repayment help centers available through the federal government. I unfortunately signed a contract which is why I am contacting you to help guide me through this process. I am going to call my credit card company to cancel the first of three payments scheduled to this company.
On Sunday, XX/XX/18, there was a {$50.00} dollar merchant charge for hotel incidentals placed on my account. 
On Tuesday, XX/XX/2018, I called Bank of America to inquire about the merchant hold ( {$50.00} ) that was still on my account. I was told by the representative that the hold would fall off my account by midnight. On this same day, I had a check post to my account. 
On Wednesday, XX/XX/2018, I was charged a {$35.00} dollar fee because the merchant hold was still on my account. I called BofA and was told that the merchant told the bank to extend the hold. 

The initial charge {$50.00} charge was for incidentals at a hotel for 1-night stay. 

The hold was release on XX/XX/2018. Bank of America stated that due to not having enough money in my account, the fee was valid. 

When I called Bank of America on Tuesday XX/XX/18, I was told that the transaction would " wash '' and funds would be available. That was not the case and I was misinformed by the bank 's associate which resulted in the overdraft fee.
Everhome Mortgage, This is my second complaint. This company is manipulating my XXXX payment. Every month they send out my statement on the XXXX or XXXX citing regulation that requires them to send the statement 20 days in advance of payment. What this does it that it prevents the statement from showing the most current and up-to-date information. Every month I have this following issues : ( 1 ) each month my statement shows a past due balance, ( 2 ) The statement is never current meaning my statement for XXXX XXXX payment does not reflect my XXXX payment, ( 3 ) Interest is calculated on the a higher principal balance each month, ( 4 ) I can never tie into their interest calculation, ( 5 ) They never disclose the dates used in calculating the interest for each period. 
The most important issue her is this - Instead of my monthly interest payment going down it goes up each month despite paying down my principal. This is a clear indication that something is wrong. Either the twenty day rule needs to be revised or there is abuse somewhere. Here is an example Everhome Mortgage Billing Structure XXXX XXXX XXXX XXXX XXXX Payment Due Date XXXX XXXX XXXX XXXX XXXX Payment Date XXXX XXXX XXXX XXXX XXXX Past Due - XXXX XXXX XXXX XXXX Current Payment XXXX XXXX XXXX XXXX XXXX Min Payment Due XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Finance Charge XXXX XXXX XXXX XXXX XXXX Payment ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) New Balance XXXX XXXX XXXX XXXX XXXX Principal Balance XXXX XXXX XXXX XXXX XXXX Please look into this for me Thanks again for all the work you do
XXXX XXXXXXXX XXXX extorted money from me. They were NOT within Legal right to impose Escrow on my mortgage NOR were they within legal right to PAY my property taxes. Nor did they PAY a REAL homne owner insurance company any payment to cover my home for that moment of lapse in payment due to them paying it BEFORE me. Also, there was NO detailed statement EVER sent to me at my on record address showing a breakdown of what my additional XXXX in closing went to. They issued a mortgage statement for year end that was Inaccurate to reflect NO Property taxes paid yet I sent them a Cashiers Check with Property Taxes Typed specifically on it. They attempted to STEAL my property with in the final 6 months of me being considered Florida resident. I have a Photo of my BALANCE as reflected on Equifax in XXXX. XXXX balance. Not XXXX. XXXX never provided an Origional mortgage document because the loan was Purchased from XXXX XXXXXXXX XXXX who tried these very same tactics on me in the past unsuccessfully and they sold the paper because they themselves DID NOT HAVE MY ORIGIONAL DOCUMENTS. My document stated ONLY Principal and Interest. NO ESCROW. Period! My Equifax NO LONGER even shows my XXXX half of servicing or PAY OFF!! My score dropped 100Points. It only reflects XXXX XXXX XXXX and as sold paper. Not PAID IN FULL!! THIS IS PREDATORY!! This is FRAUDULENT! Not only did I HAVE to take a loss on the sale of MY HOUSE, I had to use all proceeds to pay off the NEW bathrooms, Air conditioner, Stove and Garbage Disposal I had Just installed in XXXX and XXXX. IF I am FORCED to take this loss, my credit should reflect I AM PAID IN FULL ON A Mortgage for $ XXXX Balance. SHAME ON XXXX TO STEAL FROM ME!!!
The problem is that the loan I took out with USbank is an Installment loan. With no future advances. That the deed of trust that USBANK does not reflect this.
The Deed of trust that USBANK recorded says in clear english that I have line of credit. It also says that I can make future advances.
Even after USBank has reviewed this they still say they have done nothing wrong even the DEED OF TRUST and their letters are clearly are in conflict with each other.
I am Requesting that USBANK make an amendment to what they recorded to CLEARLY reflect that the loan I have is an INSTALLMENT LOAN.
This is needed because 5 different title companies have reviewed the current Deed OF Trust that USBANK sent to their title company to be recorded. All 5 of the title companies that I had review the Deed of Trust inturpeted the current recorded DEED OF TRUST to say that I have LINE OF CREDIT with future advances not an INSTALLMENT LOAN. All 5 companies state a letter from USBANK that says it is an installment loan does not change what they had recorded and all 5 companies said that could offer title insurance on the property with the loan recorded as and Installment loan.
As a result of USBANK interpetation of what they recorded and refusal to amend what they recorded to more clearly reflect that I have an installment loan has kept me from being able to get a Home Equity Loan and has cost me 5 months delay in getting a loan and has currently cost me .25 % on any loan that I will get. This quarter point will cost me {$5300.00}.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
I am a parent co-signer on my children 's student loans with XXXX, Navient and the XXXX. I want to pay down principal but ALL of them refuse to apply the extra payment to principal. I sent written instructions to XXXX twice and they ignored them. All of them apply it to the next payment. I sent an email to Navient and they sent me a generic " how they apply extra payments " with NO instructions about paying down principal. I 'm so tired of hearing about people in default. We want to pay it off sooner and all of them are blocking us from doing so. I believe this is intentional. 
If you could help me with this, I would appreciate it. If not, I 'll contact my Senators.
My mortgage was sold in XXXX by XXXX Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. Notice from XXXX arrived 2 days late. Informed NOTHING would change. Called Seterus to make payment and was Instructed to wait until the XXXX to contact them. 2 days later received letter from Seterus saying I was late with mortgage payment. Made payment and 2 days later received large package of information on foreclosure citing that was behind in payment. I called Seterus ' " customer service '' concerned I have a history of a late payment with this company and wanted to know why. I was hung up on. 
I have paid XXXX, XXXX and XXXX 's payments but then I get a notice of an escrow increase. That is odd. XXXX reduced by escrow in XXXX based on actual payments to city. and I have not been notified by the city of any increases in tax bills. Is this increase for increased Seterus fees? If so what happened to all terms remain the same? 
I would ask for full accounting and audit of my account and any reference on record be redacted from ALL records owned by or under control of Seterus.
This company, Suburban Credit Corporation calls me everyday and leaves me a voicemail stating they are trying to collect a debt from me. Sometimes on the voicemail they use my correct name other times they leave a message for someone else that I have never met before but it is the same message every time. XXXX XXXX calls every day and request that I call her back at XXXX.
I was denied a small business checking account because I have " fraudulent activities '' on my Chexsystems report. I have no fraud, no bounced checks, no NSF charges, and no late payments. This is hampering my ability to do business and it 's unwarranted. The number that they have listed on their joke of a website just tells you to file a report. Once I finally googled a phone number that let me talk to someone, they were outrageously rude, even swearing at me and hanging up on me twice. They did n't let me speak to management, and said " good luck with your problem, we ca n't help you. '' How is this place allowed to do business? It is an embarrassment for the country to have a " consumer reporting agency '' to be doing business like this. It is costing XXXX people the chance to open bank accounts. Their " dispute '' process is equally embarrassing. If you end up on their list, you 're pretty much XXXX, whether it 's your fault or not.
On XX/XX/XXXX i was served bank garnishment papers on collecting a XXXX balance on a private student loan. Back in XX/XX/XXXX and XX/XX/XXXX I reached out to my credit report bureau and was told they couldn't locate the debt or find any contact information for the original lender. I then found an artical that XXXX XXXX XXXX XXXX trust was being sued and while under investigation they aren't legally allowed to collect on any of the accounts due to lack of records. I was told by the credit bureau XXXX that it would be removed and was after they completed there investigation.
I cancelled services within the XXXX day period and was not soppose to be charged a cancellation fee at all.
On XX/XX/2017, I submitted a new purchase contract to my short sale lender and I received a phone call on XX/XX/2017 from my single point of contact ( XXXX ) that the lender would not even consider me doing a short sale. I am desperate for help and I am trying my hardest to get the property and I feel as if my lender is n't doing what the government says a lender should do by offering me an alternative to foreclosure. I am not asking for a handout, I am only asking that you assist me with getting my lender to review the cash offer that I have on the table.
Hello I have a ton of student loan late payments on my credit report. I can not remember who I spoke with but at the time my father was XXXX from XXXX. I asked them adjust my credit report and nothing was done. Naviet is very nasty and does not commuincate with consumers very well. They failed to understand my situation my loans went into default, high interest, and more. Now my that my loans are in good standing, they still want update my credit report. All Im asking them to do is to treat me right because they are rude in so many ways. Please them to update my credit report and remove all the negative late payments. Thanks!!!
" XXXX XXXX '' Date Opened : XX/XX/XXXX.Original Creditor : " XXXX ''. And " Merchants Adjustment Service '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Merchants Adjustment Service Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.