WillisBack/dataset-financial-user-claim huggingface dataset:
As an misinformed student about student loans, I agreed to a loan through Sallie Mae. This was the only way I could afford to attend college. I am a first generation college graduate. My mother only went through high school and my father middle school. It was my understanding, as I was earning a degree in XXXX XXXX, that my loans would be forgiven through the XXXX XXXX ( XXXX XXXX ) program. I feel as though I was mislead by the school and the loan company. After struggling with repayment, finding a job, and managing finances, I began to pay on the loan. Which at this point has more than doubled. As I was mislead again to go into forbearance until I could afford to repay the loan. Now that I have been repaying the loan going on several years. Keep in mind it started as a {$25000.00} loan and is now around {$45000.00}. During the time I could not pay they called me several times a day. They started calling my work. They even faxed my work. This was embarrassing as my boss received the fax. I was nervous that they would start harassing my work as they were harassing me several time a day as I was at work. So, at one point in default their in house collections representative called me. I spoke to them several times and on occasion they offered me a one time payoff amount which was a portion of what I owed. Of course I could not afford that which is in essence I am sure why they offered it. Skip to a couple of years later and I am paying on the loan for several years with my understanding the interest rate being .5 % for the first year. However, my loan amount was only going down in {$20.00} increment with additional fees and capitalized interest in large amounts. After selling our house I call Navient and ask them if I can still make the one time payoff. Their response was no because it is no longer offered because I was not in default. They said you have to be in default for almost a year before they would work with me. I had this conversation several times. So, I have to let my loan go into default, occur more interest, late fees, etc before anyone would work with me to get out of this debt. I even filed a complaint on here. Their response was along the lines of you agreed to the loan. Ok, so I have been paying on the loan and all of a sudden I notice the payments have stopped coming out of my " auto draft '' account. I realized they have placed me in " INSchool '' deferment without even asking me. Again to capitalize on interest I am sure. I just want to get out of this loan.
Have paid off numerous of my accounts in paid in full but credit burea will not update the account to correct status that thes accounts have been paid in full and are not a collect or charged off as the have reported in my credit file derogatory information for these accounts have been paid in full ans satisfied no longer derogatory accounts need updating to reflect that the accounts are no longer derogatory status
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010, XX/XX/2010 Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
To Whom It May Concern, Over the past few years I have filed numerous complaints with the CFPB, all to no avail. I will continue to file complaints with the CFPB against Select Portfolio Servicing , Inc, hereinafter referred to as SPS, until they stop their wrongful and illegal collection and enforcement activities. Once again, I am being forced to file yet another complaint in additional to another lawsuit. SPS is continually attempting to collect and enforce a debt that no longer exists. Even though the debt no longer exists and hasn't since XX/XX/XXXX, SPS is attempting to foreclose on my property on XX/XX/XXXX. The logic of trying to foreclose on a Deed of Trust that has been eliminated is beyond my comprehension and is outrageous. Despite being aware of this situation, SPS continues with their wrongful, deceptive, and illegal actions. SPS is a " debt collector '' pursuant to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, and the California Rosenthal Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. SPS purportedly acquired the mortgage servicing of the debt obligation effective XX/XX/XXXX. At the time of this purported transfer, the debt obligation was contractually due for the XX/XX/XXXX payment. By the plain language of the acts, there is no dispute SPS is a " debt collector ''. There is no dispute that the mortgage debt is a consumer transaction debt that is covered under the FDCPA. Despite telling SPS to stop contacting me in a letter dated XX/XX/XXXX, SPS continues to send me letters and refuse to acknowledge that they are " debt collectors '' without the legal right to attempt to collect. SPS is engaging in acts that are causing substantial harm to me in violation of the Unfair Competition Laws. Immediate action must be taken to stop them from engaging in such unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding the FDCPA and the RFDCPA. SPS is not exempt from abiding by those laws and must be held accountable for their misconduct.
XXXX XXXX XXXX, and/or affiliated persons, demanded money from me that I do not owe. 

Specifics are given by the attachments. But generally, XXXX and those in privity with him, demand money for medical services,  which XXXX, et al., failed to obtain from my medical insurer, by XXXX 's own wrongful conduct. 

The services were preventive under 42 U.S.C. 300gg-13.  Nevertheless, XXXX and those in privity with him, failed to submit proper claims to complainant 's XXXX XXXX XXXX XXXX insurance plan. Instead, XXXX et al. proceeded with false statements of a debt, and attempts to deceive, harass, intimidate and coerce money out of someone who did not owe it. 

XXXX 's affiliated persons include " National Patient Account Services , Inc. '' ( or " NPAS, Inc. '' ) operating from and/or chartered by the States of Kentucky, Tennessee and/or Texas, and " XXXX XXXX XXXX XXXX, '' probably connected with the States of Oklahoma and Ohio ( see attachments, p. 3 ).
I saw an advertisement online for an Experian credit report, with FICO score, for {$1.00}. The advertisement indicated I could cancel online at any time. When I went to try and cancel the account, I found there was no way to cancel online. With some difficulty I found an email address. I emailed Experian indicating they should cancel my account. I received no response. I called the phone number to use the automated service to cancel. They were closed, and the automated service was unavailable. Experian has deliberately made it difficult for consumer to cancel their services, while advertising erroneously that consumers can cancel easily online.
While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-XXXX.
This is a complaint about the CFPB process. I submitted a claim against Bank of America XX/XX/XXXX, and was told I would receive a status update in 15 days. 
On the XXXX day, the " status update '' was that it would now be 60 days to hear anything back. 
Having talked to CFPB personnel by phone, I was told that companies are allowed to request up to 60 days time once the XXXX day has been reached. 
Did Bank of America request more time? What was the decision process to grant them more time? Is there any evidence they did anything on this complaint in the first 15 days?
XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also XXXX XXXX XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the Air-force send all the necessary papers for the forbearance and it was approved.
XX/XX/XXXX ALLY FINANCIAL, INC pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.

Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.

FromXX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( ALLY FINANCIAL, INC ) and they could not release information because some of the information did not match what I what information I had.

However, they still put a Hard Inquiry on my XXXX, and XXXX  credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time.

As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Escrow account balance incorrect - '' Incorrect transfer occurred / Incorrect accounting NOT CORRECTED '' Timeline Record of Escrow Account based on Statements Received : XX/XX/2018 -Statement dated XX/XX/2018 Escrow account balance of {$4800.00} 1. XX/XX/2018 -Made monthly payment of {$1800.00} ( {$600.00} Escrow ) 2. XX/XX/2018 -Received Statement dated 7/3/2018 indicating : - Two town tax disbursements XX/XX/XXXX & XX/XX/XXXX - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of - {$630.00} 3. XX/XX/2018 -Spent 1 hour on phone with " Mr. Cooper '' to discuss the mishandling of escrow funds by based on the double town tax disbursement and explained why the escrow balance should not be short - {$630.00}. Was told I'd receive a call back in three days after escrow account analysis was performed 4. XX/XX/2018 -No call received from " Mr. Cooper '' 5. XX/XX/2018 -Reviewed account online to observe escrow account balance of {$1400.00} and made monthly payment of {$1800.00} ( {$600.00} Escrow ) 6. XX/XX/2018 -Received Statement dated XX/XX/2018 indicating : - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of XXXX 7. XX/XX/2018 - Calculated escrow account balance based on information provided : - Statement dated XX/XX/2018 Escrow account balance of {$4800.00} - XX/XX/2018 -Made payment of {$1800.00} ( {$600.00} Escrow ) - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Calculated escrow account balance of {$2200.00} based on above information, not a shortage of XXXX which is what appears on statement dated XX/XX/2018 8. XX/XX/2018- File complaint with Consumer Financial Protection Bureau to obtain full record of mortgage escrow account and cease mishandling of escrow account funds
I received a letter about medical services. I am XXXX and unable to mail them a validation of debt notice. I have no idea where these charges came from.
I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.
HSBC sent me a letter by mail, offering me to " Get a {$350.00} Welcome Deposit with a new HSBC Advance relationship and qualifying activities. '' I satisfied all of the conditions for the {$350.00} Welcome Deposit months ago, but HSBC refuses to pay without any reason.
I am being threatened by a debt collector whom I believe is intentionally breaking the law. In pursuit of a non-existing debt. 
My most recent correspondence with this company is as follows. 

Jenkins, Wagnon & Young P.C. 
XXXX XXXX XXXX, Texas XXXX XXXX : XXXX XXXX XXXX XXXX Paid Debtor : XXXX Account No : XXXX In Response to your communication of XXXX 2016 The FDCPA states that ANY person/lawyer or firm that is hired to collect on a debt, is considered a debt collector and falls under the rules of the FDCPA. 
The federal and many states ' law require that financially distressed consumers not be abused, deceived, lose their privacy, or be treated unfairly. 
You have called me and my extended family members using intimidation, talking with my friends and family about a debt. Without my permission this is illegal. Talking to them about non-existing debt is slanderous. Making harassing telephone calls and threats to sue on a debt that was paid, or no longer owed due to settlement is illegal. ( such is the finding when a debt collector and debtor settled a debt, and then the debt collector instituted litigation on the same debt ) Have I been mislead? 
In our documented agreement. 
You wrote up the settlement with an amount that was much closer to the original debt, as it was closer to the original debt before all the add ons, I accepted the mutually agreed amount of {$6700.00}. I paid that full amount agreed upon within the time frame you had given. 
I am not trying to get out of paying my bills, however I will not pay money I do not owe. 
This agreement states that if I make payments totaling {$6700.00} in a timely manner ( within the time frame you gave me ) the original note will be marked as paid and returned to me, and any remaining balance would be forgiven. I did as you asked. It now appears that you have failed, on your end, to mark the original note as paid, and return it to me, as you stated in your letter, that you would. 
Instead you have called me, and extended family members, leading family to believe I was in trouble with the law. All in trying to collect on a debt by your agreement is no longer owed. 
The correspondence written XXXX XXXX, 2016 is confusing. 
It shows that I indeed paid the {$6700.00}, ( the settlement amount that I also have in canceled checks ), written to and cashed by XXXX XXXX. It reads as though you are attempting to collect even more money. Money that is not owed. 
I dispute and deny this debt, as I will dispute any continuance of this matter. As you can plainly see, positively this is a mistake, by someone in your office. 
This information will now clear that up. I have done all that I was asked to do by your office. 
If you continue to seek force, and threaten to extract money I do not owe, I will have no other choice but to seek outside help to resolve this matter. 
You may contact me in writing to advise me that your debt collection efforts are being terminated, or that you are or the creditor are taking specific actions allowed by the FDCPA or Texas laws.
My issue is with XXXX I disputed Three items on my credit report. Yet they have not responded with the results. XXXX will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to XXXX was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to XXXX. I have yet since XX/XX/2018 to recieve a response from XXXX with my follow up letters and info on my credit report.
I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).
Sent debt validation letter via certified mail on XX/XX/XXXX. Letter was delivered on XX/XX/XXXX. Company has not responded.
I opened up a Home Depot credit line when I bought a new washer/dryer in XXXX 2015. I asked then that it would be linked to my husband account ( married 25yrs ). After that and installing an air condition unit at our home & put on our Home Depot card. I sent Home Depot {$250.00} over the minimum payment for XXXX 2015 total of {$400.00}. I started receiving numerous phone calls from CitiFinancial telling us to call right away, regarding our Home Depot card. So I called, only to hear that our accounts had not been linked and that I was late paying the XXXX that I had opened and thought was linked. So now not only do we have XXXX separate bills to pay monthly but double the statements etc. I told a supervisor at CitiFinancial ( XXXX, rude ) that this was all news to me since I had not received a current statement in my name. He told me that he was going to remove the late fees but that it was impossible to link our XXXX accounts. I told him that I want to receive a updated statement every month as to how much and where to send my payment since they would not now link the accounts. The next day I took it upon myself to find out what my account number was for Home Depot and made another {$400.00} payment on top of the already {$400.00} dollar payment on my husbands account for XXXX. Since then I have received over XXXX phone calls from CitiFinancial ( XXXX ) harassing me via my own land line and via my answering machine. They call every couple of hours beginning at XXXX. My credit is in the XXXX 's to XXXX range. I never pay late bills and so I am not familiar with how much and how often these companies can call and harass people. But this seems to me that this is excessive for a {$20.00} late fee assessment. There should be some laws in place to protect the consumer. In this case it was because of the false promise of linking our accounts and lack of a statement from CitiFinancial plus repeated phone calls that will cause me never to do business with this company again. The Home Depot should also be careful who they allow to finance their credit cards. Someone needs to investigate this company and their practices.
stuff showing inaccurate information that is not mine violates my rights i have filed police report that i enclose .. also hippa and ID theft gov please this removed
I sent letters asking for full detail of everything I received at the hospital, and the company could only send me letters of verification without any information on what I received.
In XX/XX/2017, I financed approximately {$350.00} with XXXX XXXX, due to financial hardship. I was unaware that I would be charged roughly {$700.00} in interest. Due to health issues I defaulted on this and was unable to make my first payment. I called and explained my health issues and my inability to pay. They continued to call me aggressively ( at least 2 to 3 times daily ) ; this was after I tried to work out a payment plan. I was able to get a job in XXXX and despite my efforts to work out a reasonable payment, they continued to pursue me and harass me aggressively. I have made {$50.00} in payments due them and noticed they continued to add interest, AFTER I was delinquent/defaulted on loan.
I applied for credit card issued by wellsfargo. I got a communication by e mail that my allocation is approved and the card is on the way and should arrive in one week. To my surprise instead of new card as promised got a letter that my application is disapproved. I want justice. I should add that my fico score is XXXX
I have my Home Point Financial account setup on automatic ACH and have plenty of money to pay my mortgage, Home Point Financial has internal issues and is not taking payment after repeated calls and me providing the ACH information again and again.

- XX/XX/XXXX no ACH payment deducted from my account - XX/XX/XXXX start getting letter demanding to payment - XX/XX/XXXX get a letter saying sorry our system had issues, we have rescinded bad credit notices from bureaus - XX/XX/XXXX start getting repeated automated calls from homepoint - XX/XX/XXXX talk to a person who says we need your ACH again, very odd call almost felt like a scam. Told me they would process the payments.

- XX/XX/XXXX no ACH payments for XX/XX/XXXX or XX/XX/XXXX - Get more threatening notices, if I don't respond by XX/XX/XXXX we will terminate your loan.

- Call in XX/XX/XXXX to say WTF is going on, the person responds oddly and says we need to move your mortgage do you agree. I continue to question them, they say the prior ACH request was done to early which is why it didn't go through. I very upset say I don't know what you guys are doing but this is all on your end and why are you sending letters, messing with my credit, and stressing me out for no reason. She promises me this time the ACH will go through and it did.

- XX/XX/XXXX I get an envelope with hardship letters, etc and they say please file by XX/XX/XXXX to save your mortgage. 

Avoid this company at all costs.