WillisBack/dataset-financial-user-claim huggingface dataset:
In 2 days I have received 10 phone calls from Allied Interstate debt collection from 10 different phone numbers. They never leave a voicemail and always call from a different number to dodge being blocked. This company has made no attempt to contact me in writing so I have no idea what their supposed business with me is. I have done internet research on this debt collection company and they are notorious for harassing consumers and are the target of many lawyers who specialize in debt collection harassment.
Good evening, As a single mother with a household of XXXX ( myself and XXXX kids ) and a household income of about XXXX I have always found a way to hold up my end of the bargain with any financial agreements. Since setting up payment arrangements with the servicer of my student loan I have consistently made on time payments as per my agreement, unfortunately I was recently apart of a company wide lay off causing me to fall behind on my payments. It 's no surprise the servicer still expects payments! On top of this, per reading my recent annual credit report I realized the servicer has XXXX derogatory marks on all XXXX of my credit reports with each credit bureau. This hardship is emotionally draining as well as stressful, this has stained my credit causing lenders to deny me due to an error on their part reporting incorrectly. I desperately need a remedy.
XXXX XXXX XXXX ( XXXX ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with TransUnion, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted XXXX several times to get this false information corrected. I was told by XXXX to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call XXXX I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at XXXX but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted TRANSUNION directly several times and submitted documents from XXXX saying the payment of {$400.00} was made on XX/XX/XXXX. TransUnion says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both XXXX and TransUnion and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to TransUnion they have not corrected the false entry. XXXX is telling TransUnion the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by TransUnion and XXXX and still nothing has been done.
We wired in XXXX XXXX Dollars ( {$90000.00} ) to Coinbase via Wire Transfer with a Confirmed Receipt the Same day. 

Subsequent to that time no Funds have been deposited or credited by Coinbase to our account. The funds and either missing, stolen, or in some kind of limbo with Coinbase. 

We have attempted to contact Customer Support by Email and Phone more than two dozen times. The only response received have been Automated replies. We have requested return of the funds or credit for the funds. 

We have kept meticulous records of our contact including emails, calls, and non responses by Coinbase. 

It was only after the fact that our funds went missing that we read online that this same scenario is happening to dozens of people.
I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. 
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. 
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. 
so they took a payment over the phone for {$1800.00}. 
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. 
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. 
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. 
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. 
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.
Regarding : Wells Fargo loan # XXXX XXXX XXXX XXXXI would like to file a formal complaint against Wells Fargo to correctly report the loan so that there are no missing months of reported status on the HELOC loan. We have been told it is illegal for them to stop reporting on a loan. 

I and a friend/business partner had a loan from Wells Fargo on the house we purchased together. 

The house was sold on XX/XX/2015Wells Fargo has failed to report the status of a Home Equity Line of Credit ( HELOC ) to the XXXX credit agencies. 

I am now married and we are trying to get a loan to buy a house. 

XXXX XXXX XXXX XXXX, our lender, has discovered that XXXX XXXX mistakenly recognizes this lack of reporting to be the equivalent of " the property is now in foreclosure '' This Foreclosure flag on a lending application is denying us a clean ability to get a lower priced loan. 

The lending company, XXXX XXXX, has people that work directly with the credit agencies to clear up credit issues but in this case they are unable to simply correct the reporting issue. 

XXXX XXXX, the only lender that would allow us a loan without requiring mortgage insurance, has refused to recognize they can look into the matter and make the change. 

If Wells Fargo would change their reporting status, then XXXX XXXX 's automated system would no longer be fooled into " thinking '' that a foreclosure had ever happened. 

We will submit Please contact me right away and we can provideCan you please help? 

Thank you, XXXX XXXX
I Received a letter from the collection agency, saying I owed them {$570.00} for an alleged account with XXXX on XX/XX/XXXX. On XX/XX/XXXX I mailed a certified letter, which was received and signed for on XX/XX/XXXX requesting information to validate the alleged debt. The things I asked for are things that I am by law able to request, and the collection agency must provide. I have yet to receive any of the documents I equested that are required by law to validate the account. It is well over 30 days, almost 60 days past the required time period that the collection agency must respond per FDCPA, and FCRA laws. I have contacted the agency multiple times, and get no cooperation from them. I have every phone call documented with names, dates, and times. XX/XX/XXXX told by rep from the agency that they cant send any other documents besides the bill from XXXX. Stated they did receive my certified letter, but they have been waiting on their client XXXX to respond with the appropriate documents. Transferred me to a supervisor ( name documented ) so I left a message for her to call me. 
XX/XX/XXXX Supervisor *XXXX XXXX XXXX XXXX XXXX called me back, was very rude, and told me that they sent a copy of my last bill to me, and that is proper validation ( which I havent received ) I called XXXX ( name, date, time documented ) and they are not able to pull up any account information with the account number that is listed on the collection letter sent to me by Southwest Credit . XXXX isnt able to verify any of the information required by law. They cant verify anything, I was told that they arent able to pull up any statements, or any balance that may be owed. Rep from XXXX told me the account with collection agency will be deleted, a ticket was submitted for deletion. After this, I have checked daily with the collection agency to see if the account ha been deleted yet, and they tell me it hasnt. Called XXXX back XX/XX/XXXX spoke with Rep ( name documented ) stated the collection agency has all the info needed to delete the account. This is clearly a zombie debt, that can not be validated by the collection agency OR XXXX, yet the collection agency wont delete this account from my credit. This is a clear violation of Fair Debt Collections Practices Act, as well as the Fair Credit Reporting Act. In the state of Texas, a civil suit can be filed, the collection agency fined, and I can seek damages up to {$1000.00}. I am hoping not to have to retain an Attorney, but if the account is not deleted from my credit, I may have to do that.
COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.
In a discussion regarding repayment, my processor will not allow me to apply additional payment to my principal balance ( s ). They said even if I specify, they will apply to interest.
To Whom This May Concern, I have disputed a Bankruptcy reporting with TransUnion, XXXX, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.
Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.
Hospital bills Repeated amount of XXXX $ and a creditcard that was paid over a year of XXXX $
A Merged Infile Credit Report has continued since XXXX 2010 to show that the Bank of America reports late payments of 30 days on a loan that was paid to them in full in XXXX 2010 and has has not existed since. There is no late payment, and the loan was paid in full. As a result of this, in spite of excellent credit, we have been unable to finance our home at the prevailing low interest rates.
In XXXX XXXX my mortgage was permanently modified with Servicing Company XXXX XXXX. My mortgage payment has been {$900.00} since XX/XX/XXXX. I have been on time with all payments since that time. The loan was sold to XXXX and then NATIONSTAR in XXXX XXXX. My payments jumped to {$1000.00}. When I inquired they told me because of my escrow for insurance and taxes. I made immediate inquiry with XXXX County Tax Assessors office. They admitted to overcharging me by rating my house as a XXXX residence NOT my primary residence. I'v e never had a XXXX residence. They issued a refund check for XX/XX/XXXX to XXXX ( the wrong servicing company ) which I am trying to get corrected. Then I called my insurance company, they doubled my premium to {$1400.00}. so I canceled my policy and got a new XXXX for {$810.00}. Nationstar paid the {$810.00}, and I reimbursed them immediately so I could get my payment down. I acted quickly and got both my taxes and insurance corrected, that was 60 days ago, yet the taxes linger as an unresolved issue, nobody seems to know where the tax refund check went. The amount of that check was for {$330.00} and change. WHAT I 'M UPSET ABOUT IS THE AMOUNT OF MONEY NATIONSATAR IS ASKING FROM ME OVER AND ABOVE FROM THE EXPECTED ESCROW EXPENSES : {$550.00}! I DID THE MATH AND THIS EXCEEDS THE 12 % ALLOWED UNDER section 10 of RESPA. I do n't believe I 'm being treated fairly and want to pay my own taxes and insurance thereby foregoing the need to send NATIONSTAR {$550.00} to sit in my account year after year. I want to change the terms of the ESCROW. And to be honest, I have budgeted {$900.00} a month not {$1000.00} @ month, and my daughter is getting married in 3 weeks and money is flying out of bank account for the wedding, and Nationstar is dragging their feet and still does n't have an adjusted mortgage payment for me. So far I qualify for " Pay for Success Program '' under HAMP principle reduction credits. Can anyone there please help me strip off my ESCROW, I can do a better job paying my own insurance and taxes! The Escrow statements are a nightmare!!!! Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX XXXX XXXX
On XX/XX/1018 I filed a dispute through Customer Service at XXXX XXXX for account ending XXXX. The dispute is concerning the {$810.00} promo finance charge added to my account on XX/XX/XXXX. In that dispute, I felt like the payment structure was not set up correctly so that I would have made the final payment on the promotion within the 12 month period allowed. I made the minimum payment that you set forth and assumed the last payment would be a different amount and waited for that statement to reflect that.However, when I received that statement the finance charge had already been assessed. I asked in the dispute that the finance charge be removed. 

When I got home that evening and pulled all of my statements out, I also noticed that in XX/XX/2018, they reduced the amount of my minimum payment from {$440.00} to {$410.00}. Once again assuming they were adjusting my payment to still remain in the 12 month promotion. In effect, what really happened was that the difference between the two amounts was {$30.00} a month and it was reduced for 9 months. That equals {$270.00}. My final payoff was {$240.00} so by reducing my payment those months, it caused me to go past the promotional date and incur the {$810.00} in charges. I feel that it is completely unfair and deceptive for them to reduce my payment to set me up for failure in the end and charge me interest. 

On XX/XX/2018 I received a letter from XXXX telling me that I could provide additional documentation. I replied on XX/XX/XXXX with a letter as well as my statement showing when they reduced my payment and the calculations that make it appear they purposely reduced my payment so the final payment would fall outside of the 12 month period. On XX/XX/XXXX I received a letter from XXXX XXXX stating the finance charge would remain. The letter was dated XX/XX/XXXX-only two days after the first letter asking for additional information. I feel as if that was deceptive also. Why would you say that I could provide additional information when you had already reached a decision? 

In summary, I asked that the finance charge to be removed. I feel the practice of reducing my payment to guarantee that customers will go past the 12 month due date is unfair to consumers.
I have a mortgage serviced by Rushmore Loan Management Services. 

I am trying to refinance thru a mortgage broker, who asked for a written explanation of a line on my mortgage statement, titled, " Deferred Balance '' in the amount of {$22000.00}. 

I've communicated with Rushmore via phone several times over a month, with conflicting answers given me by staff and management.

I'm now at risk of losing a lower mortgage rate and feel Rushmore is being evasive and not acting in good faith.

We ask that Rushmore send an explanation in writing via the FAX number they have listed in my account notes. 

Thank you
Did not receive any notification that  Student  Loans were given to  Navient  to be serviced. Did not receive any statements, bills or notices from  Navient  with loan numbers amounts or any information. Had no idea that  Navient  even had any loans until  credit score drop ped over  XXXX  points and we pulled a copy of our report to see why. Then we saw we had  5  loans reporting as past due. How can a company do that without ever sending a statement, bill or any type of notification or even try to contact you to collect a payment prior to reporting it to the credit bureau. With  a Private Student Loan and Parent Plus Lo ans it was easy to overlook this smaller loan amounts. All other loans were thru  XXXX   XXXX  which we 've had no issues with. I just do n't understand how a company can work like this and give no notices to consumers.
Merchants Credit Guide Co., a collections agency, sent me two bills, allegedly on behalf of XXXX XXXX XXXX, XXXX, even though I already paid off my balance with the alleged creditor. In fact I double-checked that I have a XXXX  balance with XXXX today, XX/XX/18. 
- The first bill, in the amount of {$520.00} I believe, was sent around late XXXX. Some time after I paid off my balance directly on the alleged creditor 's website. 
Right after that I sent Merchants Credit Guide Co. a letter notifying them that I was not accepting their " services '' as a collection agency. A return receipt shows they acknowledged receipt of my letter somewhere in XXXX. 
- Recently I received another bill, for {$38.00} this time. This morning, after I double-checked with XXXX XXXX XXXX, XXXX. and confirming that I owe them $ XXXX, I called Merchants XXXX XXXX XXXX , to let them know I owe nothing to them but the agent said came up with a {$520.00} amount again. I asked him something like : " Do you know more about the creditor 's finances than they do? '' and he said he did. 
Then I asked him to explain me why should I say money to the agency if I owe nothing to the alleged creditor and he said something like Ok, sir, have a good day and hanged up. 
I am extremely concerned Merchants Credit Guide Co. are systematically attempting to get consumers to send them money they do not owe. 
From late XXXX to date they call my cellphone number everyday, sometimes twice a day. I never answer unknown numbers but I know it's them ; I XXXX   those numbers.
On, XXXX/XXXX/2015, I used the internet to get my XXXX score from Experian. I had to give them my debit card number so they could take a XXXX or whatever the cost maybe. On the weekend I tried to cancel my membership so I call the number on the internet just to find out they were closed. XXXX XXXX, 2015, I finally got in touch with a person who stated that she would discontinue my membership. I have a letter by email stating such. After that I noticed that my checking account was overdrawn. So once again I called Experian just to find out that they had stated that on the seventh day my account would be charged. I do n't remember reading anything pertaining to this. 
On, my bank statement you can see how it was after I made my call to cancel my membership. If I am not mistaken I do n't think they were closed on the weekend I tried. 
If I am not mistaken I believe that they already have your cell number so if or when you call before the 7 days are up they take the money out of your checking account.
I have asked ARS to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.