WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was rehabilitated with XXXX XXXX of XXXX, Texas. The signed agreement with them was that once I completed rehabilitation ( which I did in XX/XX/XXXX of this year ) I would be able to choose between different lenders, and different repayment options, in particular the income-based option. I never heard from anyone. Then just a couple of weeks ago I heard from Pennsylvania Higher Education Assistance Agency that payments were due. I never received any prior communication from PHEAA. They did not mail, email, or phone call me about the loan, different repayment plans or options ( as agreed when I signed up for rehabilitation ) or anything. They did not send me a contract for the new loan. I never signed a contract because, obviously, it was not sent. This amounts to Unfair Lending Practices, as well as Predetory Lending, as the total amount of the loan has gone from around {$120000.00} to {$160000.00} - PHEAA has added {$35000.00} to the loan, which amounts to Inflated Fees and Charges. By not informing me, not sending a contract, not giving me the original agreed upon option, PHEAA has committed Inadequate and False Disclosure. And in taking the loan from XXXX, and adding usurious fees, PHEAA has committed Loan Flipping. The XXXX XXXX XXXX XXXX is also liable. They sold part of my loan to XXXX. They never informed me, XXXX also failed to inform me. I was paying the loan off at the time through the XXXX XXXX XXXX XXXX, but neither informed me that part of it had been sol, and then it went into default. This was a Predatory Loan as well, as it was designed to fail. When I tried to rehabilitate the loan with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX, twice my papers for rehabilitation and reconsolidation were never completed by them. In roughly four years, my student loan debt has gone from around {$57000.00} to {$160000.00}, due to the above detailed circumstances, and the new policies of the XXXX XXXX XXXX XXXX which favor Predatory Lending and Unfair Lending Practices. I will be seeking others in my situation in the interest of potentially pursuing a Class Action Lawsuit, a process that the PHEAA is more than familiar with, as is the XXXX XXXX XXXX XXXX. I have attempted to the best of my ability for the past four years to keep in touch with the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and now PHEAA, all four of which have engaged in sloppy mismanagment of my account, which has allowed the debt to almost triple in size. Note in the attached documents that there is no contract or papers from PHEAA, as I never received any, nor signed any. Their loan, and attempts to collect it, are illegal, for the reasons cited above. However I will repay the loan as I do not want it to go into default. The fact that I am repaying the loan should not be taken as an indication that I agree to the terms : I simply have no other option at the moment, other than letting it go back into default.
Hi I have been trying to call Equifax numerous times after reviewing my credit report and noticed several even duplicate credit inquires on my report. I get a very rude representative telling my there is nothing they can do! even after this big breach i have been getting more inquires that i never did. I called back again to speak with someone and nothing. I have sent letters to all 44 companies and have not gotten anything back form them and its been well past 45 days. I do n't think its right that our information was stolen and now we have to pay for it. I even put a fraud alert on my account to prevent this form happening. And I can not get any help.
I 'm very upset with Afni Collections. I have disputed this account on XXXX separate occasions and to date have not received any validation. I contacted Afni trying to pay the account in full if they could help me with my credit. I advised that I was in the process of purchasing a new home. The reporting Afni made has jeopardized me in purchasing a new home. I spoke to XXXX different managers at this collection agency and NONE of them would help me resolve my account and help me with my credit. I originally had an account with XXXX XXXX and XXXX XXXX that was bundled. I paid the XXXX portion and thought this was paid in full. I never received a final notice or bill from XXXX XXXX prior to them sending me to collections. I just need help and no one will take the time to help me resolve this collection. If I would have received a final notice from XXXX XXXX then I would have paid the bill before it made it to collections. 
My children are suffering in the current housing situation we are in. There is just not enough room for XXXX of us and now my rent is being raised and AFNI will not help.
I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
On, I believe XX/XX/XXXX I contacted my credit card company, along with the merchant, XXXX on a three-way-call to request a credit for a payment I made with my Citi Credit Card on XX/XX/XXXX in the amount of {$550.00}, which the merchant claimed she did n't receive. She stated the payment was processed via XXXX who in-turn should have made the deposit to her bank account, but she claims she did not receive the payment. During the three-way-call the credit card customer service rep confirmed that the payment was indeed made to XXXX. I was also able to see it on my account transactions. Well, at that moment we decided to request a credit for the {$550.00} and I agreed to make the payment via XXXX. ( This agreement between myself and the merchant was recorded by Citi Card Acct Services ). 
To my surprise the charge of {$550.00} was put into dispute, but then I realized, of course. There was to be an investigation. The dispute was investigated and the merchant provided proof of the transaction. Then, of course the payment was posted back to my credit card account. In essence I paid twice for the service provided once. I was confused about the whole process. I admit and have taken responsibility for my ignorance but I was also misguided by the Citi Card customer service reps. After getting an understanding of what had happened I requested that the dispute remain open via email on XX/XX/XXXX, which was the deadline for any other information I wanted to provide to keep the investigation going. 
In that email I asked the dispute dept to please contact the merchant again so they can confirm my story and that the merchant will not contest my dispute. I have been in contact the merchant throughout the whole dispute process and she agreed. They never did contact her. 

Then I received a notice, date XX/XX/XXXX that the dispute was closed. I contacted Citi Card dispute dept and spoke to XXXX, the Account Manager on XX/XX/XXXX and, to make a long story short she denied my request to keep the case open or should I say re-open it even with the proof that I contacted them before the deadline with additional info via email. 

What would I like the outcome to be? I would like for the Citi Card Dispute Department to reopen my dispute, get in contact with the merchant, XXXX and credit my account for the {$550.00} and/or to follow the paper trail and confirm that the merchant really did n't receive the payment. 
I am not denying that the service was not rendered I am stating that I made a duplicate payment of {$550.00}. 

I am hoping that you can please provide me with the assistance I need to obtain my money. I accept responsibility for my ignorance but I should n't have to be punished for it.
Oxford Law , LLC. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX, Fax : ( XXXX ) XXXX, Toll Free : XXXX - XXXX. 

Keeps calling me XXXX times a day, and calls my place of employment XXXX to XXXX times daily. I 've already been warned by my employer to stop these harassing phone calls. I 've told the above mentioned company to stop calling me. Company has not stop but has gotten more aggressive with their tactics including talking inappropriately. This company is causing me many problems and are putting my livelihood at risk. This company needs to immediately stop all communication with me or anyone in link to me.
Capital One raised the rate on my card with a penalty APR based on XXXX late payments within 1 year.They however showed the late payment posted on the XXXX 2015 statement as activity that took place during that month. Payment made XXXX XXXX, 2015 with the intention of payment for the following month arrived early and was posted to the prior month. Attempts to discuss this resulted in repeatedly being placed on hold for extremely long periods of time while they supposedly researched the payment activity of the accountand when disconnected they did not attempt to continue the call or investigate the matter. It should be noted that attempting to pay on the Capitol One website on the due date in XXXX 2015 would not have allowed the payment to be posted any sooner than payment via my bank bill pay service, which would have made the payment late in any event. 
I will be closing the account with a full payoff by the end of this week.
I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.
I received a debt collection letter in the mail with my first name and someone else last name and this collection is on my credit report. I never lived at the address that the services provided nor has I ever had an account with the company.
XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX
For Over 30 months, I was enrolled in MHA program thru Bank of America loan service provider, with no offers of principal reduction. After 30 months with no other option our family had to short sale, and {$110000.00} in equity, investment and appreciation in the home was gone. MY justification for full restitution is supported by-TO receive bail-out money from the Federal Government, after securitizing, packaging, promoting, betting against and most of all profiting from fraudulent bogus mortgage backed securities, Bank of America AGREED to a " Servicer Participation Agreement '' with Treasury requiring it to, XXXX XXXX, use " reasonable efforts '' to " effectuate ANY modification of a mortgage loan under the XXXX HAMP XXXX. " This consideration owed the Government by BoA was in exchange for acommitment by the Government to provide BoA potentially XXXX taxpayer dollars for its promise and obligation to comprehensively provide HAMP screening for all homeowners serviced by BoA, to extend HAMP Trial Period Plan offers to all such eligible homeowners, AND, extend pennanen, HAMP modification, to ALL eligible homeowners whose mortgages it services. 

Case l : XXXX XXXX XXXX Filed XXXX/XXXX/11 XXXX XXXX of XXXX PagelD # : XXXX
I have a collection account on my credit file from  XXXX ,   XXXX    XXXX   XXXX , that has recently been paid in full.     Equifax has this account listed on my credit file twice, same account number, same debt amount, same dates. As I stated, I have paid this debt off recently, and disputed the entries with the Equifax, and pointed out that the entries are duplicate, which both are reported directly from the original creditor. This has been going on sin ce 2013.      I have brought this matter to the creditor, they act like I do n't know what I am talking about. I have disputed the account formally with Equifax, and they continue to " reinvestigate '', then only days later claim the information is reported accurately. I have repeatedly requested the accounts to be deleted from my file since they have been paid in full, which I retain receipt of. I keep getting the run around.     In summary, Equifax is listing the same account twice from the same creditor, as if I had  XXXX  accounts with the creditor. They will not delete  XXXX  and update the other to reflect as paid with a {$0.00} balance, the original creditor says they are ok to have the files deleted since it has been paid, but they claim it is up to Equifax to do so. When questioning Equifax, they claim that the creditor must submit for deletion.     Please help, I am being damaged twice for the same paid account! How can this be legal!? My score is significantly lower than what it should be if properly reported. I now want   XXXX   accounts deleted, as the debt is no longer valid.
I provide information to   XXXX   in   XX/XX/XXXX ,  disputing inaccurate reporting by  XXXX  and   XXXX   XXXX   XXXX   on my credit report. Supporting documentation and the listing of my chapter  XXXX  case including my student loans was referenced in the dispute to  XXXX . I reviewed the completed dispute from  XXXX  recently and the disputed items are displaying that my account with  XXXX  is closed, and that no payments have been received since  XX/XX/XXXX . I have been under chapter  XXXX  bankruptcy since   XX/XX/XXXX .    XXXX   XXXX   XXXX   has been reporting payment history for all of my loans to this reporting agency since that time
To Whom it XXXX Concern : After viewing a copy of my credit report, I noticed a XXXX collection accounts placed on my credit report from you this in XXXX account # XXXX and # XXXX. 
I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and XXXX authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me.
Company is attempting to sue me for an account with XXXX XXXX that was due to Identity theft. I sent numerous letters to XXXX XXXX to validate the debt and nothing is being provided. I also sent Affidavit along with police report filed in 2016 about these unauthorized accounts they are attempting to collect on and still no response or attempt to clear this matter up on there behalf. I need to have this stopped and deleted from my credit report so I can get back to my basic life and not worry or have to deal with this issue.
On around year XX/XX/XXXX l rented a apartment in XXXXCalifornia and l was the only applicant and Renter.at XXXX apartment. 
I stayed for six months or less.There was no lease only month to month. 
I always payed my rent on timely matters and kepted my apartment cleaned and l did n't have no pets. 
I payed my deposit of around {$1000.00} in which l did n't received when l moved out of the apartment. 
I file Retaliation and Discrimination complaints with. Federal. Trade Commission and XXXX apartments and Hunter Warfield collections stopped harrassing and collection calls. 
Now XXXX Hunter Warfield collections are harrassing me in collections and sending me to collections and ruined my credit XXXX 
This collection companies and XXXX apartment are trying to collect {$990.00}. 
Also the charge of {$990.00} is for them in cleaning the apartment in which l hired a housekeeper to clean the apartment and apartment was left very cleaned and there was no pictures hinged on the walls.
I trying to opt out of XXXX on my online banking because i rarely use it i told the rep to opt out those emails and she refused and refused me to get a supervisor and i told her i want to opt out of XXXX i told her that i NEVER use it and I just don't want any emails about XXXX i want to opt out of these emails which states by law Opt-In Requirements and Permission. The CAN-SPAM Act allows direct marketing email messages to be sent to anyone, without permission, until the recipient explicitly requests that they cease ( opt-out ). Direct marketing email messages may be sent only to recipients who have given their prior consent ( opt-in ).
Credit World Services DID NOT remove the account from XXXX  it still is showing in active collection as of yesterday. XXXX  was called and I was told it does not take this long to remove an account especially if the were notified in XX/XX/XXXX as Credit World states.
My mortgage account was opened in XXXX and maintained since then. However, XXXX Mortgage is incorrectly reporting that my mortgage was included in my XXXX bankruptcy -- it was not. In fact, XXXX Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my Equifax Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!
My balance on XX/XX/XXXXon my Capital One credit card was {$490.00}, credit limit on the card is {$500.00}. I made a payment of {$490.00} on XX/XX/XXXX prior to the end of my billing statement to pay the entire balance off. Later that evening I confirmed with my bank that the payment was made. On XX/XX/XXXX I checked my bank account and it stated processed and had cleared payment to Capital One. I then received an email from Capital One on XX/XX/XXXX at XXXX thanking me for my payment that stated that my payment has been posted. On XX/XX/XXXX at XXXX I contacted Capital One because my account stated a {$0.00} balance but also stated {$0.00} available credit. When I called the recording stated the same information about my account and that they have received and posted my payment on XX/XX/XXXX for {$490.00}. I spoke with two people one named XXXX XXXX and both stated that they can release the available hold once payment had cleared and when I told them its cleared through my bank and they emailed me stating its posted I was told that they would call my bank and be on the line as I confirmed my information on who I was and then ask my bank for banking information to confirm the payment has been processed. When I told them I would not allow them to contact my bank and be on the line as I went through the security process to prove who I was and I would not allow them to hear my personal banking information they stated the credit would not be available until Saturday XX/XX/XXXX. I brought up all my paperwork I had received from Capital One about the credit agreement, that I have paid on time each month for over 6 months being with them, I have never had a payment returned, and that the agreement states when the payment is posted the available credit is then available. My issue is they are holding the balance payment until the end of the cycle which will then report to the credit bureau that I utilized 98 % of my available credit and it will charge me 24 % interest on a balance of {$490.00} next month because he said the balance would not have cleared prior to end of billing cycle. How can they hold my payment once out of my account for 5 days until after the billing cycle ends, zero out my balance for the next billing cycle, charge me interest when they payment was removed from my account 4 days before end of billing cycle, report the high credit utilization to the credit bureaus, and breach the credit contract of available credit when they have the payment in their system days before. When I make the minimum payment or anything under full payoff they have never withheld it or the available credit for 5 days.
This company has filed a " NOTICE OF SALE UNDER POWER '' to auction my home on the XXXX Tuesday in XXXX. Their power as " Attorney in Fact '' was revoked due to violations of Federal Regulations 617.7010 Title 12-Banks and Banking Title part 617-BORROWERS RIGHTS Subpart A-General Item c, the borrower 's written waiver must contain a statement that the borrower was represented by legal counsel in connection with execution of the waiver.I WAS NOT REPRESENTED BY LEGAL COUNSEL IN THIS MATTER. I filed an affidavit of NOTICE OF REVOCATION OF POWER OF ATTORNEY AND TERMINATION OF ATTORNEY IN FACT on XX/XX/XXXX in the XXXX XXXX Supreme Court and mailed copies to Ocwen and their attorney, XXXX, XXXX, XXXX XXXX XXXX.
My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.
Bank of America keep charging me huge overdraft of the services they never rendered. 
the check was returned and they charge me XXXX dollars for it