WillisBack/dataset-financial-user-claim huggingface dataset:
I am an XXXX who recently finished my XXXX, no in XXXX. I had previously been in forbearance as I was unable to make payments in residency. I received notice XX/XX/XXXX that my forbearance period was ending. I then promptly signed up for an income-based repayment plan, as I wanted this to initiate before my forbearance period would end. I applied for a new XXXX plan ( the REPAYE ) and waited the requisite 14 days. I was rejected and they said this was because I was still in forbearance ( even though I had received notice it would be exiting ). I then had to submit a separate exit from forbearance application, and resubmitted my IBR plan application. This was not processed in time for the posted $ XXXX+ payment I could not afford ( off of a standard payment plan I was kicked to after being rejected from the initial IBR application ). In order to then avoid defaulting, I was forced to go BACK into forbearance, which recapitalized my loan. I was told that then, after posting a standard reduced payment, my IBR would go into effect. I did so ( twice actually over 2 months XX/XX/XXXX and XX/XX/XXXX ), and the IBR payment STILL was n't processed. For whatever reason, that initial Forbearance only applied for one month, so now I 'm looking at another {$2000.00} posted payment from my direct deposit. After calling yesterday and demanding to have my IBR application processed I was promised it would be processed that day, or the following, but it is still no done as of XXXX. Consequences of all of these delays : time ost on the phone, trying to followup on processes that should be performed automatically. Missing out on the interest reduction benefit of direct deposit ( they keep cancelling it so the {$2000.00} charge is n't pulled from my linked checking account ). I 'm also missing out on the opportunity to make my 120 qualifying payments for the public student loan forgiveness program. Finally I was recapitalized when I did not want to be.
In  XXXX , we received a  XXXX  for a charged off HELOC. In  XXXX , we received another  XXXX  from a completely different company. We have never received any notification of this until this arrived. I 've attempted multiple times to get resolution, but the company has been unresponsive.
There was an error with auto pay that caused the payment to be late. After having this card for over 3+ years and never having a late payment the reps were not willing to go the extra mile to get this issue resolved. For some reason, the same account that I have always used came back as invalid acct number and they do not consider this a bank error so therefore, my account history and loyalty meant absolutely nothing and based on protocol no one was willing to see what could be done instead the result was always what they could not do. 

XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX
The company AMCOL Sytems Inc has not submitted a written debt validation that shows a contract between them and myself that shows that they are authorized to collect any monies from me. A validation would include my signature and I have not received anything from the company.
Capital One I have had 2 cards with this business for over 10 years. A new card was applied for by someone which was fraud. I called Capital One to close this new account as I received a credit alert on XX/XX/XXXX indicating a new account was opened for which I never applied for. On XX/XX/XXXX I could not login to my accounts online. I called Capital One and explained I could not login and they indicated that one of my accounts was closed due to fraud.
I never got a communication about it. I then called them a couple of weeks later XX/XX/XXXX ( spent a half hour on the phone to get the account re-established and they indicated to login tomorrow and you should be able to re-enroll your existing credit cards.
Tried that on XX/XX/XXXX and all attempts failed. Called Capital One again and was transferred through 5 representatives and spent an hour and a half with no resolution.
At this point unable to login to see my credit card account information and do not have any statements to see if I owe anything, as I am enrolled in online statements.
I was oringinally late making payment went into collection back XX/XX/XXXX but the account has been paid off since XX/XX/XXXX and they are still reporting my account in collections. I have repeatedly contacted them about this issue but they have replied back to me that they will not remove it from collections. It is reported in collections XXXX.
1. When I attempted to sell my truck on XXXX, I was contacted by a scam artist who conned me into depositing a phony check for {$4700.00} into my account with the XXXX XXXX XXXX XXXX ( XXXX ) with the intent of me taking {$2500.00} as payment for the truck and sending the rest ( {$2200.00} ) via Money Gram to a person who was supposedly going to pick up and deliver the truck to the buyer 's location. Sometime after I sent him the {$2200.00}, XXXX froze my account because the check was a fake. So, not only did I send {$2200.00} to a crook, I am also getting stuck by XXXX with paying the face amount of the check. My complaint is not so much with Wal-Mart, from whom the Money Gram was purchased ; rather, I wish there were a better way for XXXX to keep criminals from using its website to perpetrate theft. And, of course, I am particularly upset with the individual crook, whose real name I may never know. Details follow. 

2. Towards XX/XX/XXXX / XX/XX/2015, I placed an ad on-line on XXXX to sell my truck. I got a text message on XXXX XXXX 2015 from a person identifying himself only as " XXXX. '' The phone number from which the text appears to originate is XXXX ( XXXX ) XXXX. XXXX asked how much I was selling the vehicle for. I texted him back a price of {$2500.00}. We had various texts back and forth and eventually agreed on the following terms : XXXX would send me a check for {$4700.00}. I would deposit that check into my bank account and take {$2500.00} as payment for the truck. He said that I should take what was left from the check after extracting my payment to WalMart and use XXXX to wire the money ( {$2200.00} ) to his mover, " XXXX XXXX, '' who supposedly resided at the following address : XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX was supposed to pick the truck up and deliver it to XXXX. I discovered that WalMart did not have any XXXX XXXX business, so we agreed that I could use a WalMart Money Gram to send the funds. 

3. On XXXX XXXX 2015, I purchased the Money Gram at the WalMart at XXXX XXXX XXXX XXXX, XXXX, XXXX, WalMart XXXX # XXXXMoney Gram Reference Order # : XXXXThe funds were sent via Money Gram to a WalMart in XXXX, the same day. No further information concerning the recipient WalMart store. 

4. After I sent the funds, I asked XXXX when the truck would be picked up. On XXXX XXXX he sent me a text telling me he 'd let me know. That 's the last I heard from him. 

5. On Friday XXXX XXXX, I attempted to use my XXXX XXXX XXXX XXXX ( XXXX ) XXXX card to buy lunch and it was rejected. I later learned that all my XXXX accounts were frozen & I had a negative balance due to a large, phony check. XXXX said I had to pay the face amount of the phony check. 

6. I reported this incident to the XXXX County Sheriff 's Department and they made a report, but they will not investigate the matter. On XXXX XXXX I reported the fraud to Money Gram, and they said that they would make a report, but they were n't interested in any of the details or in investigating the matter, referring me back to the local police.
In response to my complaint to CFPB Complaint number XXXX, Toyota shows that they have removed the account from my credit report instead of updating the Credit Filing Rating Status to " GOOD ''. They refused to show me dates that show my wife, XXXX XXXX ( joint account SSN XXXX ) and I were late in which we were not and I showed them the many descrepancies they had on both of our credit reports showing the wrong last date of payment and they show XXXX XXXX day late payments instead of XXXX that is reported on all XXXX of my wife and my credit reports. All we wanted was our report to show a " GOOD '' rating and instead it looks as if Toyota took the account completely off our credits reports as if the account never existed. We just wanted both of our accounts to reflect a positive rating. Toyota account XXXX and my spouses ( XXXX XXXX ) CFPB Complaint number is # XXXX. It is a joint account and we both are trying to get this accouterments with Toyota cleared and our credit rating in GOOD standing.
Today is XXXX XXXX, XXXX. Last week I checked online with Equifax to find out if my info was breached. The response was that it may have been ( a yes or no would have been helpful ). Today I attempted to place a credit freeze with Equifax, XXXX and XXXX by phone and online. They were unable to process my request. 

Their industry created a potentially big problem for me but they are not allowing me to protect myself.
Keep getting the letter threatening to spoil my credit. the only option offered is to pay or call for long hold times.
For years me and my parents have been battling with XXXX XXXX. Sine I graduated college XX/XX/2010 its been a downhill mess. From coming out of college into a mess of a economy ( took me years to get a job in my field and make decent money ) to crippling credit scores that damages my future to own a house, car, starting a family, etc. When I graduated I could not afford the payments for all of my loans every month. Multiple phones calls to help and barely ever got answers or just taken advantage of because I did n't understand. Help was forbearance, which ended in still not being able to afford payment when over, and a whole bunch on interest added to my loan that I already could n't afford. XXXX loans went into default and passed around to collection agency 's before they garnished my fathers wages. Now those loans are in " charge off '' but Navient still reports every month to credit bureaus that they are past due and late payments. Then on another loan its nearly double the amount that was originally borrowed and interest rate sky rocketed. My monthly payment on that loan only pays interest.
We refinanced with Nationstar mortgage XX/XX/XXXX and we have never been late or delinquent in our payment. 
We made two payments XX/XX/XXXX and XXXX of them ( XX/XX/XXXX, which was paid early and intended for XX/XX/XXXX ) was misapplied by Nationstar to the principal by mistake. In addition monthly payments were short XXXX cents for a total of XXXX cents, which was remedied by a payment of {$1.00} and acknowledged by Nationstar. We had been speaking with Nationstar representatives and received a written note from them on XX/XX/XXXX that this matter is resolved. We were assured after each phone call that the account would be rectified and that " we should not worry about it reported as delinquent ''. However, on XXXX XXXX to our astonishment we received XXXX reports from our credit monitoring company XXXX stating that our perfect credit score is ruined because of XXXX has reported that we are delinquent in our payment for 30-60 days. Despite phone calls, written messages and online efforts we have not heard back from the company. 
This matter is particularly important to us since XXXX is a XXXX who works full-time and requires good credit for student loans of which he now is under scrutiny from credit agencies. I trust you will intervene to resolve this matter and make sure that Nationstar cures our credit reports and states to credit reporting agencies that they have reported us by error. 
XXXX XXXX and XXXX XXXX
IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )
FedLoan Servicing ONLY allows for payment via a bank account and insists on me providing them with my bank account and routing number. I have the full ability to pay back my loan and would like to pay, but DO NOT want to give out my bank account and routing number because I feel that is not a secure method of payment. I would feel safer paying online with my debit card as I am able to do with all of my other bills, but that is not an option with FedLoan.
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.
While reviewing a recent copy of my [  XXXX   ] credit re port I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.
I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month. 
2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months. 
3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that. 
4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.
From roughly XX/XX/XXXX through XX/XX/XXXXI had internet service with XXXX XXXX in XXXX, MA. Before installation, I was offered a promotion - I could pay up front for the cost of the equipment in order to avoid monthly rental fees and in exchange I would be eligible for a rebate for the cost a certain number of days later ( I believe it was 60-90 days ). I accepted the promotion, paid upfront, and later received said rebate ( see attachment ). During the entire year of service, all bills were paid on time. In XX/XX/XXXX, when I called to cancel service they charged me for my final bill, I paid the bill in full, and closed my account. Now, more than a year later, I am being contacted by a debt collection agency for equipment fees that I do not owe and debt that I am not responsible for.
I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Khols opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXXt XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
On Saturday XX/XX/XXXX, the day before Hurricane Irma hit the State of Florida, I attempted to withdraw cash from the XXXX XXXX XXXX, XXXX FL XXXX Wells Fargo ATM. My password for the debit card was completely removed from the system. The games with Wells Fargo and my password have been going on for years. While trying to contact another branch to obtain needed cash, they sent one of their minions who I have on video tape. 

I am looking for a response from Well Fargo on why my password was removed from the system right before the hurricane. I also want to put in writing to the CFPB that registered letter XXXX XXXX sent on XX/XX/XXXX to your Director, XXXX XXXX was signed by the " Obama Family '' and disappeared to a XXXX zip code that is non forwarding post office. I also sent a certified letter XXXX to your Director and that letter was disappeared. 

Kindly request a response from Wells Fargo on the who and why decided to trigger the password deletion on Wells Fargo end. 


Sincerely, XXXX XXXX XXXX
I Received Notification That Exquifax Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX XXXX, And XXXX. Both Of These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Equifax Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The Equifax Credit Reporting Agency Should Accurately Report That The Balance is Zero.
I have requested to do balance transfer of XXXX dollars on XX/XX/2018 with my discover credit card, that will transfer to my XXXX Savings account. They did a transfer within a week and status got changed to fund sent where it was mentioned that usually 5 to 7days, XXXX account will receive the amount. But, even after 7 days, it dint get deposited to XXXX account. I have called discover on XX/XX/XXXX and they confirmed that i have to wait until XX/XX/XXXX and if i dont receive on XX/XX/XXXX, then, i can call again discover to raise the complaint. since, amount dint get deposited in my XXXX savings account, i have called discover again and asked them about the status, they said about starting investigation and next week they can reach about updates. today, XX/XX/XXXX th called them again, they said it may take upto 45days to find where the issue is and why this amount dint get deposited in my bcu account. Problem is, i did a transfer from discover to XXXX, discover dint have any tracking record about cash check they sent.i dont have any idea now where the money is. due to this, my load got rejected, was in a kind emergency situation that i could not resolve and facing lot of issues.
On XX/XX/2016 a collection appeared on my XXXX credit report for midwest recovery sysyems for a balance of {$790.00}. This is not an expense I have incurred and I have receiced no paperwork on this matter.
I have been trying for over 2 years to get a decent loan modification on my primary residence with my lender OCWEN. They state that I can not qualify for a HAMP loan modification because my investor does not participate in that program. So they stuck me with a 6.0 % loan modification that is XXXX % higher than the market interest rates. I ran my scenario using the XXXX website and it says that I totally qualify for a 3.25 % loan modification. I just want to keep my house and have an affordable payment.