WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Midland Credit Management , Inc ( MCM ) regarding XXXX accounts that were charged off from XXXX accounts I 'd held. After some negotiating we settled on XXXX dollars to settle XXXX account and XXXX to settle the other. The collector wanted me to pay right away of course but I was more comfortable paying with a money order, so as not to give away my banking information. While that was not his preference and he tried to deter me by telling about saving money on MY end in not a buying a pre-paid card etc, after researching and finding that this was a 'legitimate ' debt collection agency, while I still would not send them my banking info, I decided on postal money orders. At NO time did he tell me they would not accept money orders for settlements. I called a few days later to ensure that my money orders were received. At the time they had not been, however, the account rep with whom I 'd negotiated the settlement all of a sudden stated that they could not accept money orders unless they were simply being applied to the outstanding balance on the account. That is NOT what he said on the phone. In addition, the initial letters state that the credit report would show settled for less than the full amount owed. MCM also sent a letter a few days later with the same negotiated settlement spelled out. Nowhere in the paperwork does it state a stipulation regarding type of payment. Finally, I got paperwork from them in the mail today ( XX/XX/XXXX ) showing that they did exactly what the guy ended up saying they would do. They applied my negotiated settlement amounts toward the BALANCE of the accounts. When I called about this, NOW they state that the account has a judgment against it and they do n't know why the account manager made me such a low offer for settlement. Also, the letter received today states that my " payment plan had expired ''. The previous collection letters, which I used to send the money orders ( and received a week later ) did NOT say anything about an expired time period. Though the due date on the letters say XX/XX/XXXX, the letters were sent to me AFTER that and I did not believe that there would be a problem with these people after I sent the payment I negotiated in good faith with them.
I had dinner with a friend of mine several weeks back. He told me about the XXXX XXXX XXXX account with Capital One. I went to their site and applied online for a XXXX XXXX XXXX account sometime on or about XXXX XXXX, 2016. I am starting my management consulting business. 

It is now XXXX XXXX, 2016, and while I have online access to the account, I have yet to receive any documents to actually be able to move money into or draw from the account. I 've spoken with several people at Capital One, and each time, I am told to wait " 1 or 2 business days '' for a response. I have yet to receive anything. 

The last time I called I spoke with a Capital One associate named XXXX and she told me that there was a restriction on my account. I asked her why, and her response was that it was a " one off. '' It is my contention that the restriction they currently have on this account is exceptional and outside of Capital One 's own protocol and policies. 

I would like the CFPB to look into this matter. 

Thank you, XXXX XXXX
What didnt happen ... since day XXXX when Nationstar took over this loan from XXXX on XXXX/XXXX/XXXX. Once Nationstar took over things went downhill fast. The supposed dedicated loan specialist assigned to my loan consistently advised 'everything was fine ', 'no need to worry ' even when my check for {$1000.00} was sent towards my payment due for XXXX XXXX was returned. She never explained to me or even mentioned the word Foreclosure. Later on ( about 7 months later ) I found out that Nationstar had started the Foreclosure process. Not once did she ever mention this when she would consistently call to discuss payment arrangements. 

Finally a good friend of mine suggested that I apply for a loan modificaiton. My first attempt was made to get my loan modified in XXXX XXXX. It was such a confusing ordeal that even Nationstar couldnt provide the correct information needed to apply for the modification. The main issue and reason for requesting the loan modification was because my wife left in XXXX and I had primary custody of my XXXX kids. So i went from XXXX incomes down to just mine. Without her paying any type of child support which was outlined in our separation papers. It got to the point that I finally gave up on the request because Nationstar kept telling me I needed to get a court seal on the separation papers however, after calling and going to the court house they had no idea what was being requested. And the state of MD does not recognize separation papers legally. 

It wasnt until I found out in late XXXX XXXX that Nationstar had actually filed for Foreclosure in the court system. That was when I attempted to request a loan modification again since the XXXX in XXXX had expired and I had to start over. 

Thru the XXXX attempt, my friend and I contacted XXXX HUD Agency on XXXX/XXXX/XXXX thru XXXX where we were told that Nationstar was our only option and that I should be eligible for a lower interest rate and lower payment based on the financial information I provided and then we were put in contact on that call with a rep from Nationstar. 

Thanks to my friend who I gave permission to speak to Nationstar throughout the life of my loan, the next couple months were a lot of going back and forth almost daily with Nationstar the trial modification was approved and we were told the interest rate would go down from 8.82 % to 3.945 % but somehow the payment amount was higher than the original one I was having trouble paying. Again there was a lot of back and forth which I will attach the details of all these issues later on with the letters sent to Nationstar outlining in detail all of the issues. 

The bottom line is that Nationstar did not follow thru on what was verbally promised and even things that were in writing were still mishandled and if it wasnt for my friends help with keeping on top of them and spending so much time calling them almost daily to get things sorted out, I would not still be in my home because of Nationstar and their dishonesty and lack of customer service. They lack simple, basic customer service skills.
I received a fake collection letter in the mail. I do not owe this debt and suspect this is not a legitimate collection company. I 've only had 3 dealings with XXXX in my entire life. ( fios, landline phone, and cell phone XXXX All 3 accounts were closed with a 0 balance. They do n't even have the correct name on the letter and are just fishing for someone to pay this to them.
This is the second time in 3 months going through this with XXXX XXXX.They need to be fined or something needs to be done.I have a 7 year fraud alert on all my credit accounts to try and protect myself however they are not running it through the credit but someone has all my information and i did everything possible to try and avoid this from happening again.This is my 5th case of identity theft.Thank you.XXXX XXXX
On or about  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   COLLEGE  OPENED A STUDENT LOAN ACCOUNT WITHOUT MY AUTHORIZATION. I ATTENDED THE SCHOOL FROM  XXXX  THROUGH THE  XXXX  OF  XXXX . I WAS NOT ATTENDING THE SCHOOL IN  XXXX   XXXX .     THE DEPARTMENT OF EDUCATION HAS NOW AUTHORIZED PAYMENT DEFERREDMENT. HOWEVER, I NEVER ASKED FOR A DEFERRAL.
Releated Case XXXXThis is in response to the above referenced case number. Please see attached.
I am POA for finance for a friend in Florida, whose husband passed away in XX/XX/XXXX. I live in Ohio and am trying to gain access to SunTrust accounts into which my friends ' pension distributions have been deposited. My friend is sole beneficiary of her husband 's estate. My friend has XXXX and has been declared incompetent to handle her own affairs. My name is currently not on those accounts. The bank requested and received all documentation in XX/XX/XXXX that verify that I am POA, but the bank maintains that I must make transactions in person. At one point, a customer service person told me that I could add my name to the account ( and thereafter make transactions ) by sending hard copies of POA and other verification documents to a XXXX, VA post office box address. I did that, but have again been denied access to the accounts, despite verification that the documents had been received in XXXX. I have spoken to both the branch manager in XXXX, FL and various customer service reps over the last few months, and the executor of the will ( at another bank ) has also attempted to facilitate this. An elder care attorney assures me that the bank can not deny me access to the funds and can not insist that I only transact business in person. My friend 's living and medical expenses are piling up and accruing interest because of this delay. SunTrust claims that the " in-person '' policy is in place because they are using XXXX XXXX 's policies as an example.
Experian is reporting a XXXXXXXX XXXX XXXX card on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times to have the XXXX XXXX XXXX  Fraud account disputed, investigated and removed,. Experian continues to deno and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. 

I did not Open an account with XXXX XXXXXXXX XXXX  or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX XXXXXXXX XXXX, I did not give authorization to XXXX XXXX XXXX or any creditor to open an account in my name. 

Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
I stuck my check with payment coupon into the provided envelope and mailed it off as per usual to think utility services with address visible in window. 

check was debited from my account in the amount of {$150.00} on XX/XX/XXXX this year. this should have put utility account balance at about {$110.00} credit ie i won't owe them money for several months received notice through mail this past monday that they think I owe them {$41.00}. 

Provide computer printout of cashed check that indicate a bunch of alphanumeric jibberjabber in the endorse section on back. Bank of america is  the only thing that registers for me. 

think utility services says that their bank is XXXX and that they did not endorse that check today XX/XX/XXXX18 i go to a bank of america branch with the printout to try to find out who actually got the XXXX of my money. The branch manager says that he can not determine who got my money other than to say it appears to be some global account. Some bank of america processing facility or branch allowed an endorser to collect money that was not theirs as they are clearly not ' think utility services '. BofA recommend i file a fraud claim with my institution XXXX XXXX. 

not sure how my check made it to a bank of america from a postal standpoint or a check handling perspective but the manager not being able to tell me who in fact got my money is baffling. It is almost as if the fraud is embraced at the institutional level. Will i get my money back? I don't know, they don't care, but I'll certainly have to work for it if I do.
I got up this morning on XXXX/XXXX/17 at XXXX and called my phone company to pay my phone bill of {$50.00} and it did go through, I called my card to make sure I had {$60.00} left for my kids diapers wipes and food and there was only {$10.00} left on there. I did got to my phone company and they pulled up my account and there was only XXXX transaction that was approved for only {$50.00}, but the American Express company took out an extra {$50.00} which is by law called fraud. So I called my phone company head office and they even said only one payment was approved for {$50.00} thAt American Express has frauded me of an extra {$50.00}. I have already talked to a lawyer and I will be aiming to press charges
I was told it was best to shop mortgage companies when refinancing, but XXXX of these companies submitted XXXX hard inquiries on my credit report, though I was given the impression they would only be soft inquiries. The very thing they tell me is bringing down my score! Not removing these will keep me from refinancing my home. Please help.
Reporting the improper hierarchy of payments, violation of servicing the loan and improper foreclosure proceedings. Duplicate/overpayments for our mortgage payments were applied on XX/XX/XXXX for the months of XX/XX/XXXX-XX/XX/XXXX. we have requested that the Chase Bank reverse these payments on numerous occasions, but to no avail. We are now sending a copy of our bank Statements and Chase Reconcilation log detailing the duplicate payments. Also payments were not accepted starting XX/XX/XXXX - XX/XX/XXXX, causing us to go into a foreclosure. we were not 120 days in arrears at the time so our payments should have been accepted.
I have used the paper payment coupon for my mortgage. 
I have indicated on the " additional Principal '' line the amount that should be applied. 
I have also indicated the XXXX XXXX XXXX payment amount and additional principal amount on the memo line of the check. 
Each check is for full XXXX XXXX XXXX plus extra Principal. {$1200.00} XXXX XXXX XXXX plus {$30.00} = {$1300.00} Prepayment of principal occurred XXXX XXXX XXXX Check XXXX XXXX, XXXX ( Check XXXX XXXX and XXXX XXXX XXXX Check XXXX XXXX. 
XXXX XXXX statement reflect the XXXX months of prepaid principal ( XXXX x XXXX = XXXX ), as unapplied partial payment, so instead of the required {$1200.00} XXXX XXXX XXXX  payment, it 's {$1100.00}. 
I would increase the prepay principal amount, if it was properly account for. 
Why are they not letting me prepay my mortgage monthly?
I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX
For the past three years I have complained about XXXX XXXX XXXX claiming that I owe money and that without providing proof or trying to contact me, they report this DEBT NOT OWED to my credit report. I never received such notice, bill, or any documents that prove that I owe this debt as I never had any services from them.
I have disputed XXXX tax liens on my trans union report several times they are released and paid { which i did not owe } i called the the state of West Virginia they told me that the credit bureau did not verify my tax liens because they can not give out that kind of information. These tax liens have hindered my credit report and me of establishing credit.they should have never been placed on my credit report.
Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report.
I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!
forclosure pushed. for about a year, was doing modification re ; loan ( # XXXX / XXXX ) There are XXXX. Modification wanted for the large loan and they were supposed to modify it since the small loan is current. THey took more than a year requesting documents over and over, making it difficult, very diffiuclt. Then they started pushing for foreclosure when it should and could have been avoided. They refused payment. I do n't want to be involved in corruption, so I wrote them letters, about it. Loan numbers / accounts appear to have issues re ; OCWEN switched the modification request to a loan with them that did not need modification. I have about XXXX pages of modification application information re ; the numbers being switched around. The one that need modification is the large amount.
I previously file a complaint regarding Equifax. Equifax was not providing a status update regarding several disputes. Finally, Equifax responded outside of the 30 day ( XX/XX/2018 ) and the letter did not provide a status regarding the inquires. I attempted to call Equifax and file a complaint, but was told there was no estimated turn around. I want to inquires removed.
I have 3 credit cards with capital one. Capital One is giving me the run-around yet again. 
I reported them to you in XX/XX/2016, and wanted to have my interest rate lowered to pay them off. I received a phone call about this issue and now can not re-connect with that person to lower all the interest rates to pay off the balances. I am not working, and am in financial distress. I do not want want the accounts to go into default with being late. I am NEVER LATE WITH THE PAYMENTS. I should not have to go into a default late status to receive help in lowering the interest rates and payments to pay these cards off.
I submitted Id theft affidavit with police report from accounts that were opened fraudulently it has been over 90 days and equifax has yet to remove these fraudulent accounts off my credit file. They have only added a fraud address to my credit file that I never lived at please help!
I submitted a letter to National Credit Systems on XX/XX/XXXX asking them to verify apartment debt and they mailed me back a settlement letter. They completely ignored my request to have the debt validated.
Experian is still reporting 2 delinquent accts as active. One was a car loan with XXXX XXXX XXXX that was closed in XXXX and they have been reporting it as not paid for 3 years. Also for the year of XXXX partially paid on time but then other months have no remarks. The car has been out of my possession since XXXX so all the information is inaccurate. This has been reported until XXXX. Again the car has been out of my possession since XXXX. XXXX and XXXX have it totally off my report as it has passed 7 years. They are also showing a power bill from XXXX with XXXX XXXX XXXX as non paid which was paid many years ago and always on time. Neither should be on my report. Again XXXX and XXXX have this information correct. When you try to call them you ca n't get an answer or resolve the problem. I have sent letters and tried to do it online which they say I can not due for some reason. Basically just give you the run around and will do NOTHING to help. This agency is ruining my credit and I would like something done about it. I have read many many many other horrible reviews about Experian and their business practices. Hopefully this reaches someone who can help. Thank you XXXX XXXX
I 'm having major problems with XXXX XXXX. We have been trying to purchase a house since XXXX XXXX and now it 's XXXX XXXX. We have had 3 different closing dates and the company keeps jerking us around, lying to us, loosing personal info with our social security and bank account numbers, and passing us around from one agent to another. We have good credit and this company has been very unprofessional and takes no responsibility for these problems. They never fix the problem, they just keep loosing info and prolonging the loan process.
A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!
I moved out of XXXX and had to return my XXXX equipment. XXXX does not have XXXX and I needed to ship the equipment back. After XXXX calls in which I was promised return boxes for the equipment, I was contacted by a credit collector asking for ~ {$700.00}. I finally drove to XXXX and returned the equipment and have the return receipt. I was never told that the credit collector was going to file a derogatory statement against my credit. When I was turned down for Student Loan refinancing, the refinance company made me aware of the {$200.00} claim against my credit. This is a false and erroneous claim and there should be penalties for predatory behavior.
I apply for a loan online an was approved, but did not know that the interest would be daily added. I thought it was a signature loan. Then I did n't know that at the time the company was not registered in my state. They have tacked on high interest that I can not afford I have paid already on the loan.
XXXX is trying to bill me for another persons account. I phoned the company and tried to resolve.
Navient has over billed my account on student loans. I have been paying since XX/XX/2006. They have collected from me years that was incorrectly applied and/or overcharged my for late fees.
There was a debt placed on my credit report via XXXX XXXX of XXXX in the amount of $ XXXXThe debt was paid nearly two years ago, with a promise of the account being removed from my credit report and due to the fact that The debt was paid prior to being reported onto my credit report. Despite the debt being paid and disputing with Experian numerous times, the negative remark still remains on my credit report, which has caused great financial hardship.
My card was used fraudulently without my permission and without my consent, My card was lost or stolen at airport and used All over the XXXX, I 'm XXXX XXXX  protected from fraud If I i file in a timely matter and send a affidavit of fraud as I did, THis has been done and they took charges off my account and put them on new account then they closed new account and now they are not even sending out a working card.. I filed the fraun report Months ago and they have had more then the time allowed to investigate and resolve this and have not down so!
I WANT TO SEE THE EVIDENCE THAT I OWE THE DEBT THEY CLAIM I OWE.
I spoke to a collector there by the name of XXXX on XXXX-2017 at XXXX XXXX at ( XXXX ) XXXX in regards to account collector did not give mini miranda at begining of call was very rude i told her account was to be removed from my report it was not a valid debt apartment was full of roaches and complex let me leave with no fees owed. XXXX said she did not care she was going to garnish my wages with no valid judgement and keep reporting account another 7 years then hung up on me