WillisBack/dataset-financial-user-claim huggingface dataset:
This is a former sovereign bank home equity loan now with Santander Bank. I acquired this HE Loan in XX/XX/XXXX with an interest rate of 7.49 %. I lost my job in XX/XX/XXXX but have been trying to maintain payments. My balance is presently {$86000.00}, I am delinquent from XXXX XXXX, XXXX. I am now employed but at a lower paying job. I send the bank {$200.00} a week to maintain the payments of {$620.00} a month. I have tried repeatedly to refinance this loan, but the bank will not listen. I do n't want to loose my apartment as I also take care of my ailing father. I have over {$2000.00} in late fees which XXXX will not waive. I have never neglected this loan. I am current in my maintenance fees. XXXX has advised me that I do n't qualify for a HARP loan since this is not a mortgage, but its a home equity and I need to know who can help me with this. I am receiving threatening phone calls telling me to get another loan to pay the arrears, which I ca n't based on my credit rating. I am asking the CFPB to help me work with XXXX to keep my home. I also need them to stop threatening me since I am maiking weekly payments. Also if they can reduce or waive these lat charge. I can be reached at XXXX XXXX XXXX, XXXX, NY or XXXX. Thank You. XXXX XXXX. My account number with XXXX is XXXX # XXXX.
My student loan payments were being applied to a loan that did n't exist during a period of time in the beginning of my loan payments. The loan company thanked me for catching this error but did n't move the payments back over. I 'm not sure where the money went but I was then told I was well behind on my monthly payments. Again, payments were being drawn out and applied to a loan that does n't exist. On numerous occasions through XXXX they 've pushed forbearance as an only option for me with my student loans. I 've tried income based payments but whenever I gave my amount ( XXXX ) they 'd always tell me that I made too much to help lower my payments which then put me into forbearance. Currently there is a loan out there for " {$2500.00} '' that now is going up at 24 % a year in interest but I was only made aware of this loan in the past 6 months but it 's apparently from 2009 and the creditor is the XXXX. I ca n't get proof of the loan paperwork nor do I recall ever taking a loan out through my own University ; plus I 'd of never applied for a {$2500.00} loan due to not needing those funds. Now this loan has gone up to {$5000.00} and increasing each year until it 's paid off. I 've tried to work with the XXXX but have gotten nothing but payment requests back. The Agency used my resume from a job application in Michigan to track down my employers and ask them if I was still employed. Consistently harassed by phone calls for payments I 've stated I ca n't make, documentation sent out for wage garnishment. The Agency harassing my parents for payments or work information. After looking at all my Federal Loans Online the amounts listed are much more than would be required for schooling and no matter the amounts paid there is no relief in sight to get help moving the balances down.
ON  X/XX/2013  I HAVE A VEHICLE TRADE IN PURCHASE ORDER FOR MY TRUCK TRADE IN ALLOWANCE  XXXX  ESTIMATE PAYOFF  XXXX  EQUITY  XXXX . ON  X/XX/2013  THE DEALER   XXXX   XXXX   XXXX   RESCINDED THE SALE FOR THE THE   XXXX   XXXX   FOR THE FOLLOWING REASONS PRE BANK APPROVAL. I DO NOT HAVE A CONTRACT FOR THE   XXXX   XXXX   NOR ANY AGREEMENTS OR SIGNATURES FOR A NEW CONTRACT OR MY CONSENT TO MAKE PAYMENTS TO  WELLS FARGO  FOR   XXXX   XXXX   USED VEHICLE I HAVE BEEN MAKING PAYMENTS ON IN THE AMOUNT OF {$370.00} A MONTH EVER SENSE THIS SHADY DEAL TOOK PLACE BETWEEN   XXXX   XXXX   XXXX   AND  WELLS FARGO B ANK FOR USED VEHICLES. THEY HAVE TAKEN MY TRUCK TAKEN TEN OF THOUSANDS OF DOLLARS AND KNOW THEY WANT THE CAR BACK AFTER THEY HAVE WRITTEN OFF LOAN FOR NO PAYMENTS RECEIVED WHILE RUINING MY CREDIT. NO CONTRACT SHOW ME THE CONTRACT I HAVE A CONTRACT FOR MY TRUCK I HAVE A CONTRACT FOR MY   XXXX   I HAVE NO CONTRACT FOR THE   XXXX   XXXX  . ALSO THIS  XXXX  HAS BEEN SERVICED BY   XXXX   XXXX   XXXX     XXXX   XXXX   CALIF AND NEVER ONCE HAVE THEY REPORTED A LICENSE NUMBER ON ANY SERVICE ORDERS BUT HAVE DONE SO FOR MY FIANCES VEHICLE. THIS CAR IS A LEMON FRAUDULENT NIGHTMARE.
We received a telephone call from ( XXXX ) -XXXX at XXXX XXXX on XX/XX/2018. When Our answering machine came on the caller hung up without leaving a message. We looked the number up and learned that this caller is a Debt Collection Agency by the name of Allied Interstate. We are Seniors. We do not have any outstanding debt. We do not want these People calling Our Home ... especially at unauthorized hours and not stating the nature of the telephone calls. If These People have a Legal Debt They're attempting to collect ... It would seem that the initial step would be to contact the Individual in writing via U.S.Mail. We don't owe any monies to anyone. We are requesting Your assistance in stopping these harassing and illegal telephone calls. Please Help Us. Thank You. ~XXXX~
A new collection agency, XXXX XXXX, XXXX has begun reporting an old account that should be removed from our credit reports due to the statute of limitations having expired. this account is from an old mortgage that was opened in XX/XX/XXXX and was in default XX/XX/XXXX when we entered negotiations to attempt to get a mortgage modification. The last payment was in XX/XX/XXXX and the collection agency is reporting that a payment was made in XX/XX/XXXX. This is inaccurate since the modification was denied and our home was foreclosed and sold XX/XX/XXXX. After which we filed for XXXX XXXX bankruptcy and this account was listed, however, the creditor charged off the debt and did not file a proof of claim and surrendered their right to collect. I believe some one has falsified some of the dates and details in an attempt to illegally re-aged the account. No mention of this account has ever been reported on my credit reports until XX/XX/XXXX and no it has suddenly appeared as a current and active collection consequently damaging my credit.
This debit collector 's name is Portfolio Recovery. They have periodically been contacting me via mail or by phone to collect a debit that is over 18 years olds. They are past the statue of limitations and this debit is not even showing on my credit report any longer. Today I received a call at XXXX, the rep told me i am on a recorded line and asked for me by name. I ask " who is this '' they only told me there name. Then i asked " from who? '' Then they told me from portfolio recovery. They call every few months or so and also send a letter maybe one or twice a year.
My credit report is showing that I was 30 days late XX/XX/2018 with my Chase Auto account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that Chase reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. Chase is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Working with Titan Title in XXXX during the closing on the sale of my house was challenging, to say the least! Careless errors, excessive charges, rude and unprofessional employees, and multiple document changes made for a less than pleasant experience. Not only did they charge me {$770.00} in unpaid taxes on a property that I did n't own ( sloppy and careless work ; it was a different address than the house being sold! ), there were hundreds of dollars that would not have been charged with a XXXX XXXX XXXX XXXX. The lender had required that we use Titan Title in XXXX, although the property being sold was located in XXXX. Since there were several charges that our XXXX XXXX XXXX XXXX do not require, we asked that Titan charge at the local rates where the home was located. They refused. Unnecessary charges doubled the amount of my closing costs ( survey instead of a mortgage inspection certificate with a difference of {$320.00}, adjusted to difference of {$200.00} ; bankruptcy search {$80.00} even though my credit score is in excess of XXXX and the house had no mortgage ). When the property tax error was pointed out, they responded with " oops! '' and did n't even apologize. Although my experience with title companies is limited, even my realtor said she had never had such a negative interaction with any closing or encountered such rude and unprofessional behavior. After 5-6 revisions in the closing documents, one last document had to be signed after the closing was completed. The manager of Titan Title called to request a final signature so I had the opportunity to share my complaints with her. She apologized ; unfortunately, it was too little, too late. I would caution anyone in the XXXX area to choose another title company to avoid the negative and difficult experience that I encountered.
I filed a complaint with CFPB on XXXX XXXX over wells Fargo giving us the run around for almost 3 months now and not helping us with our mortgage. Had a man from wells Fargo call me the next day on the XXXX and say how sorry he was and he would get working on it right away! He said he would have a decision by XXXX XXXX for me. Today is the XXXX, have n't heard anything from them so I called AGAIN! This time I was told my file had been pulled from review on XXXX XXXX and no more action has been or will be takin on this account. I was also told that they do n't do unemployment forbearance anymore they could only give me a lower payment for 6 months then on the XXXX month I would owe all of the past due balances for those 6 months. I 've been working with them since XXXX XXXX and have gotten nowhere! And does n't look like they ever had any intensions on helping me. I 've had my home for 5 years never missed a payment. And now because my husband got temporarily laid off for a few months seems our only option is bankruptcy. This ca n't be right, there has to be help out there for the American working family. Please help!!!
Navient is refusing to come up with a payment or deferment plan that is suitable. I am working on a XXXX and they say that I have no more " in school deferment '' time. The documentation that I signed states no such limitation.
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Wakefield & Associates, ( XXXX ) XXXX, was listed as the debt collector for an amount of {$630.00}. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you!
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request. 

RE : Account Number : XXXX Balance : {$13.00} Original Creditor : UNIVERSITY XXXX XXXX / Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$360.00} Original Creditor : XXXX Account Number : XXXX Balance : {$200.00} Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : UNIVERSITY XXXX XXXX /
I have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had lXXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
I was aware that m y card ha d an expiration date  of  X/2017  .. . and I have not received a new card yet. So I used this current  card be lieving it would still be active until the end of  XXXX . When my purchase was declined, I went t o the Rus hcard site to view my account. I saw that on  X/XX/2017    ( same day  ) m y government  XXXX  benefits had posted. Due to having trouble in the past with Rushcard ( not receiving money due ), I did research and saw that there were many complaints against Rushcard, so on  XX/XX/XXXX , I went to the Social Securi ty office an d told them that I did not trust this company and wanted my direct deposits stopped. Due to it being so late in the month, they could n ot stop the p ayment for  XXXX , but as of  XXXX , no further deposits will be made to my Rushcard account. I was t old by the re presentative who served me that if I have any problems with my  XXXX  deposit with this financial institution to report it to  Social Security Administration. As  I had feared, I have fallen victim to Rushcard 's scam. When I go online to their site, I see my funds were posted but they are not posted  to the card that expires at the  end of this month. They are posted onto a n ew card ( that does not s how full acct number but does show hte same ending of  XXXX   as the soon to expire card ). It ha s a button to click that says activate, but, when asked fo r the security digits on the back of card ... the number from my current card do es not work ( of course ), and I have  no new card that has been sent to me. The site  does not allow me to  update my address ( I have moved ), and no forwarded mail from Rushcard. The site will not allow me to do anything, as it is showing the funds are on an unactivated card. When I call the numbers provided ( including the  headquarters in  XXXX   ), I  am unable to get anyon e on the phone to  answer my questions. Neither was I able to transfer my funds to anothe r card member ( with is  an option ) ... or do bill pay. I am on  XXXX  and depending on my benefits to pay bills. I am afraid that if Social Security can not send another check, then I may become homeless again. I can not ac tivate a card that  I do not have, neither speak to any representative. I am certain I have been scammed and funds being held. When I c all the headquarters phone number, a voice recording comes on and says this card can  not be activated. Please help me if you can. Thank you.
On XX/XX/XXXX my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to XXXX my regular mortgage payment. They put the money on an account named unapplied funding. XX/XX/XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XX/XX/XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that XXXX reported that the report is accurate. I dont believe it is because if they want to report the month of XX/XX/XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if XXXX finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that XXXX need to report the right thing to the bureau of credit
on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.
I want to file a formal complaint against GCS, LP, and I selected the loan category ( Federal student loan ), because the loan servicer/collection agent, GCS, has not been able to provide important details, like the type of loan, original loan balance, interest rate, etc. Their last representative, XXXX, has been calling me on my mobile number, which has been listed on the National Do Not Call List, since XX/XX/XXXX. She is calling me before XXXX, and the last call was on Wednesday, XX/XX/XXXX at XXXX. I assume she is calling me about a student loan that was disputed and verified by the U.S. Department of Education and XXXX University. 

In XX/XX/XXXX, the Financial Aid Dept. ( FAD ) at XXXX University awarded me a student loan to cover the cost of XXXX courses, but those funds were not distributed to me, because I earned a scholarship from the XXXX, and the FAD determined that I had received an over-award of financial aid funding, so they returned the funds to the financial institution. 

In XX/XX/XXXX, the U.S. Department of Education and XXXX University verified the over-award of financial aid and the cancellation and return of loan proceeds in a letter that I sent to XXXX ( XXXX ). At the time, XXXX was located in XXXX, XXXX XXXX is a subsidiary of XXXX, and XXXX is currently being sued. 

GCS is trying to collect on a matter that has been disputed and verified. They are also adding thousands of dollars in fees to a non-existent debt. Please do all you can to stop this madness! I have enclosed contact information for the U.S. Department of Education ( DOE ), GCS, XXXX University ( XXXX ), and XXXX ( XXXX ). 

Regards, XXXX Contact Information : ( 1 ) DOE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( 2 ) GCS, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 3 ) XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( 4 ) XXXX - XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
I currently have a collection account on my credit report. XXXX XXXX XXXX XXXX were given the correct insurance information by hospital, yet they billed incorrectly and then sent to collections. I spoke to them multiple times and they dragged their feet billing correctly. When they finally billed it was denied for timely filing. I spoke to XXXX there many times. Per insurance company agreement they can not bill patient for their error. However they continue to keep on my credit report and will not remove it. Ive attempted to dispute with XXXX  yet it remains. The hospital was able to bill and get payment with no issues with the information given because they billed correctly. XXXX XXXX XXXX XXXX XXXX made the error and now they are damaging my credit report. 

Here is the following information on my credit. 

Account Name XXXX. XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} Debt {$1300.00} Contact Information XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX, ( XXXX ) XXXX
Credence Resource Management is calling my employer and my work phone number on a consistent basis. Please make them stop
Hi I recently had my credit pull only to find out i have been a victim of identity theft. Someone used my name and personal information to open up a XXXX XXXX credit card that i did not authorize them to do. I file a police report and also file with federal trade commission sent police report and letter from trade commission to XXXX XXXX and Equifax. I received my first letter back from XXXX XXXX XXXX stating the account was open Fraudulently and they would correct my report with all three bureaus only to fine out they are still reporting negative inaccurate and fraudulent activities on my account. They have police report and letter from federal trade commission explaining my right under FCA Act. This is continuing to damage my credit and not allowing me to provide for my family and it causing me a great deal of stress. Please help