WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, I was again contacted at my workplace and a message left on my home phone about a online payday loan from XXXX. In this call the person identified herself as XXXX XXXX and she was contacting me about a online payday loan from XXXX and if I did n't pay the loan my employer would be contacted, debt would be added to my credit reports and a judgment would be taken against me. I informed XXXX XXXX I have asked them before, a few years ago, not to contact me ever again about this online payday loan that I have no knowledge of. XXXX XXXX told me they would continue to contact me until I paid the loan. I have had no communication of any form regarding this debt in years. The telephone number left on message was XXXX, but number on called was XXXX. XXXX XXXX stated she was with XXXX XXXX XXXX, but online the company shows to be XXXX XXXX XXXX.
I applied for a modification, the bank modification department gave me a payment plan to follow, I would know the outcome at the end of the plan. I followed the plan as requested, but the bank failed to notify me of the outcome, I kept calling and asking what to do, the loan officer never answer my calls, the customer service department kept telling me to keep sending the amount as per payment plan. After a couple of months, I made the decision to start paying more to catch up with the normal payment. The collection dpt. started calling me saying I was late on the payments, I kept explaining to them about the situation, and they kept giving me the run around within the different departments ; Although they knew I never got an approval or denial letter, they still reported my account as past due with the credit agencies. I 've asked them to view my payment history showing never late, just following the payment plan, but the bank refuses to remove the bad reporting from the credit reporting agencies. 
The purpose of this complaint is to ask Citi mortgage to immediately remove the bad credit report from all the reporting agencies. 
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.
XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.
Someone tried opening a Kohl 's card that was not me. I was send an application form that was never submitted.
I used my Citi Simplicity card to transfer a balance from another card given the offer of 1.99 % APR. Given this rate until XX/XX/2019. This would allow me to pay down my card faster given the lower interest. However, I come to learn that the way they calculate minimum payment makes this irrelevant as they use 1.5 % of balance or 1 % of balance + interest fees, whichever is greater. Hence, they really should have been advertising the payment calc upfront and I may have re-evaluated if this in fact helps me. Given this calculation my {$20.00} interest accrued means nothing as the 1.5 % of balance is always greater. This was not laid out in any of the documents for my transfer nor if I was applying for this card as a new applicant would I be told this. The card member agreement contains this info, no where is this info online. A chat rep told me this directly and I captured that quote. I asked where my card agreement is and I had to request which may take days and also doesn't come in the mail until you are approved for the card, so no one knows this upfront. I feel it is misleading and withholding info that should be readily available in my account or on my statements as other cards do.
Dear Sir/Madam, My loan was transferred by XXXX XXXX XXXX, XXXX to Nationstar Mortgage LLC on XXXX XXXX, XXXX Since this loan was transferred, I have had several issues with Nationstar Mortgage regarding the status of the loan. This issue has not been corrected by either XXXX XXXX XXXX or Nationstar Mortgage. 
Nationstar claimed that I have not paid my XXXX XXXX mortgage, therefore, I was one month behind before the loan was transferred on XXXX XXXX, XXXX. 
All my attempts to proof to Nationstar that my payments were up to date with XXXX before the transfer was unsuccessful. Therefore, I am now been threatened by Nationstar with foreclosure. 
Since the burden of proof falls on me to show that I have paid up to date before the loan was transferred on XXXX XXXX, XXXX, I have then gathered and sent all information to Nationstar Mortgage to prove that all my payments were made to XXXX XXXX Servicing to date before the transfer of the loan. 
To date, Nationstar has not been resolve these discrepancies with XXXX, thereby charging me late fees and also threatening me with foreclosure of my home that I have owned for over 10 years. 
I have paid my mortgage on time to Nationstar since the loan was transferred by XXXX since XXXX XXXX, XXXX. I have all proof that I paid to date and no outstanding balance with XXXX before the transfer. 
I have submitted all these proofs to both mortgage companies, however, I am still receiving late payment notice from Nationstar Mortgage as of XXXX XXXX, XXXX. 
Any attempts to help resolve this situation with both mortgage companies will really be appreciated. 
If you need any further information or face to face meeting, please feel free to contact me. 
Thank you for your consideration with this situation. 
Awaiting your response to this matter very soon. 
Sincerely, Homeowner
On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them.
American Coradius International LLC ( " ACI '' ) mailed me a collections statement claiming that XXXX. placed with ACI over {$34000.00} of unpaid amounts that I allegedly owe to XXXX. I called XXXX, which confirmed that amounts that I pay to third party vendors through XXXX are immediately debited from my bank account, and that my balance with XXXX is, and has always been, XXXX. Furthermore, I have never come close to spending {$34000.00} through XXXX. I investigated online, and many other consumers have claimed that ACI is " running a scam '' to collect amounts allegedly owed to XXXX when, in fact, no such amounts are due. I believe that ACI 's behavior is a deceptive attempt to coerce consumers like me to pay amounts that they never owed. ACI 's mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
I had a five year term car note with Citizens Bank. I paid off the loan early, making my final lump sum payment on XXXX XXXX, 2015. It has now been almost 5 months and Citizens Bank still has not issued me the title to that car. Therefore, I have not been able to register the car or sell it, as I do not have the title. Citizens Bank has been giving me the run around and various excuses as to why they have n't sent me the title.
On XX/XX/2018 sent a letter to Receivables Management Partners , LLC located in XXXX XXXX, IL XXXX. I requested for RMP to provide me a copy of my signature with the provider of service with XXXX to release my medical information to RMP. In addition, I requested for RMP to cease any credit bureau reporting until the debt as been validated by me. 

On XX/XX/2018 I sent 2nd request for Receivables Management Partners , LLC to provide me a breakdown of fees including any collection and medical charges. In addition to provide me a copy of my signature with provider of service to release my medical information. It has been many phone calls after I demanded that the phone calls need to stop. I asked not to contact me by phone call only through via mail. They have failed to stop the phone calls after I have sent two letters to provide me with the information they are required to provide me under the Fair Debt Collection Practices Act ( FDCPA ). I am allowed under the Health Insurance Portability and Accountability ( HIPAA ) to protect my privacy and medical records from third parties. I have asked many times to provide me a contract with my signature that I have to pay them. All the letters sent to them were mailed as certified and return receipt to Receivables Management Partners , LLC. They have failed to provide me what is required to verify the account. I do not recall the fees and amount since I have asked the hospital with financial assistance.
Nationstar has been charging me late fees and calling me saying my payments have been late for two years, from the very first payment!! My payments have always been on time, early or in the grace period and I have written proof from my bank. Nationstar owes me late fees with interest and credit for my on time payments. My credit has been adversely affected, and I had to put up with their multiple daily calls while dealing with my husband XXXX from XXXX in 2015. I did n't have time to deal with this then, but I do now. None of their representatives would help at all until I told them that I was filing a complaint with the CFPB. Side note : Their representatives are very difficult to understand and not accommodating, treating me as a deadbeat. Worst experience ever in the worst time of my life. Now I have XXXX and this is the last thing I need to deal with at this time of my life. 
Thank you for your help resolving this matter.
XXXX was referred to us by a material supplier to initiate the lien process on a project for which services had been completed, but payment was being withheld by homeowner. After months of inactivity, our company pursued the homeowner directly and received {$3800.00} for our services. This amount was in contrast to the total cost of the project, {$9600.00}. Informing XXXX that our company had received payment, we were asked to submit payment in the amount of {$2400.00}, or, 25 % of the original {$9600.00}. 

Our company did not believe the services provided by XXXX would warrant such fees but had not refused to pay a settlement amount. Instead, we wished to enter into negotiations with XXXX and maintained that fees should be calculated from the amount actually received. 

Our request was met with a verbal berating by employees of XXXX, several of which, completely unprofessionally resort to vulgar language, threats to pursue criminal charges, and threats to initiate legal action directly against our employees. 

Furthermore, our employees were never notified calls with XXXX would be recorded. While we do not fear recordings in XXXXs possession, as we hold our employees to a high degree of professionalism, it is worth noting CA has two-party consent wiretapping laws.
Harvard Collection Services owned this debt with account number : XXXX. I contacted Harvard Collection Services to verify this account that was not being reported accurately on my credit report. Harvard sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
I disputed the the account information with experian. XXXX XXXX certified that the information was accurate. Experian by federal law was supposed to do an independent investigation not just take the creditors word for it via computer system. The information furnished to experian by XXXX shows the violations .this account is breaking furnishers rules of the FCRA rules of the FDCPA .plus experian is willfully reporting this erroneous information with no care to my rights or federal consumer protection laws set in place to govern matters such as this
First off, I must say that I have great credit with a credit score around XXXX. I had a Macy 's credit card through American Express. I was set up to pay my bill automatically through my XXXX XXXX ebill system. Previously, whenever I made a purchase at Macy 's, I would get a subsequent ebill the following month automatically in my XXXX XXXX online account. I made XXXX purchases on my card earlier this year. For whatever reason, I did n't get notice of my outstanding balance through my bank ebill system ... therefore I forgot that I had anything due to pay. The charges were minimal - around {$200.00}. I recently went back to Macy 's to make a purchase but was declined. I called the number on the back of my card and I was told that i owed around {$500.00} for purchases, late fees and interest. I asked why was I not notified of these charges and I was told that I ( or someone claiming to be me ) had put a " cease and desist '' on my card which supposedly cuts off all communication to me about that particular credit card. So, my initial balance of around {$200.00} grew to around {$500.00} without notice. I do not feel that I am responsible for those charges since I was set up for using the ebill system and since I never received notice ( by phone/mail or email ) of any late or outstanding balance. I have never been late paying a bill. I want to know how someone was able to place this " cease and desist '' order on my account without me knowing about it. This seems like some sort of fraudulent activity. I would have never known about the missed payment had I not gone back to Macy 's to buy something else. This is a terrible business practice. I also think that my credit report needs amended and my late or missed payments should be removed. I attempted to reconcile this matter witch Macy 's and or American Express and I 'm not sure if that was accomplished. I spent multiple hours on the phone and nobody quite understood what I was talking about. I understand that I am responsible for my charges and I have no problem paying for those. I am concerned that since the system that I had in place to pay my bills did not work properly, any notification to me was cut off by the credit card company and I would be left with a balance that would keep growing to this day. That does n't make sense to me and needs to be fixed.
I attended XXXX school at the University XXXX XX/XX/XXXX-XX/XX/XXXX. I was not able to work because of XXXX. We filed bankruptcy in XX/XX/XXXX. We entered into a stipulated judgement on XX/XX/XXXX. The XXXX student load debt at that time was XXXX. The XXXX student loan was {$46000.00} at that time. In the agreement, I was to pay XXXX {$55000.00} without interest. I was to pay XXXX {$21000.00} without interest. The loans were sold and I continued paying on them. The XXXX loan was paid in full in XX/XX/XXXX. I just received the paperwork documenting that the XXXX loan was paid in full XX/XX/XXXX. During the last two years Navient revived the original loans INCLUDING INTEREST in the amount of {$310000.00} with 8 % interest two years ago. They show a consolidation in XX/XX/XXXX that does not exist. Even if Navient acquired these loans as a holder in due course, they could not acquire rights beyond the settlement amount of the settlement. In addition, I paid the loans as billed by the companies they were sold to. I am XXXX years old and working at a XXXX ; I make {$XXXX} per year ; my husband makes {$XXXX}. I have no assets. There is no way I can pay for these loans again, nor should I have to. Please help us.
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX  Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Coaf Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX
This was a VA loan and they overcharged on the fee for points according to VA. They took almost 3 months and complained they had too many other customers to take care of my application. I was also told I would have 2 months with no payments with new bank and the loan did not close until XX/XX/XXXX and the payment was due to XXXX by XX/XX/XXXX so I had to pay as I promised to pay according the the Home Modification Program. I have called and tried to explain what they did but was told I got a good loan and to have a good life, they are done with me. The loan application was started XX/XX/XXXX and completed XX/XX/XXXX, they knew I was leaving the country on XX/XX/XXXX for 2 weeks so I could not do anything about it.
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score.  You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On  XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.
On XX/XX/XXXX, I realized that XXXX placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XX/XX/XXXX, the XXXX XXXX XXXX account was updated. On XX/XX/XXXX, I contacted XXXX  regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that XXXX is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called XXXX  back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''
I have a complaint against Wells Fargo Home Mortgage, XXXX XXXX XXXX, XXXX XXXX, IA XXXXXXXXThe problems started when I had a returned check for a non Wells Fargo account and my payment did not process. Without any notice, my online access to my Wells Fargo Account and to make Wells Fargo Mortgage payments online were suspended, and removed any access to make online payments. At this time, they also tampering with my Personal Wells Fargo Checking and Savings accounts, they continually change my access and suspend my Transfers page, between my Personal Savings and Checking account and make it inaccessible. 
This problems have been happening for the last four months. The Wells Fargo Customer service people are constantly calling me from phone number XXXX. I made my payment today and I just received the most harassing combative telephone call from this Wells Fargo Customer service number. I informed him I wanted my Wells fargo Online access to make my mortgage payments available. This Wells Fargo Customer Service man informed me that I was on probation. I never knew the banks could re-write your original deed and include that you will be on probation if you bounce a check. Someone needs to clarify this. I re-iterated the importance of having my online access, due to not having transportation to physically go to the bank. I asked if there was someone I could complaint to, and he told me a " No ''. 
Once I do make my Wells Fargo Mortgage payments physically at the bank, this bank delays and does not post the payment until days later, after my numerous calls to post my payment. If I do not make the call to report my payment that I made, they will assign this payment as " unapplied funds ''. 
Wells Fargo Mortgage has made payments more difficult to accomplish. Cash deposited into my Wells Fargo bank account, was available immediately before the due date, however, Wells Fargo refused to accept those funds and would not allow me to transfer them from Cash effective immediately to the Mortgage account. Telephone calls to the Wells Fargo banking department and Mortgage department were unable to do transfers between the bank accounts, due to being blocked by Wells Fargo Mortgage. 
Wells Fargo purposely refused features which allows for easy payments to be made and completed, therefore making the payment process extremely difficult in what I believe is an effort by the bank and Mortgage company to cause problems with payments on the Mortgage. Is there any Banking Authority that oversees these procedures properly. On top of all this, the Bank has charged me all the late fees and other fees, which I have paid. These should have no bearing on the restrictions or " probation '' as WFM calls it. This is a Banking institution right? I bounce a check, an NSF fee is charged, and I pay, and business goes on. Late on making a payment, the bank charges a fees, I pay, and business goes on. But in this case, business did not go on, as it should have with WFM. Is there any help available that oversees this. Do I have any rights?. The Wells Fargo Customer Service man made me feel like I have no rights and no choice and this difficulty probationary times will continue?