WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I submitted to have my IBR recalculated, as it was recalculated incorrectly during my annual re-certification. I wrote a letter explaining my circumstances and specifically requested that they recalculate my IBR payments. 

I received a letter on XX/XX/XXXX, stating that my payments had been recalculated, but the amount was still incorrect. 

On XX/XX/XXXX, I received notice that my plan had been switched from IBR to a Standard Repayment plan, and that to start it, I had to make a payment under the new plan. The following day I received notice that a forbearance request had been processed. 

I called to find out what happened, and told them I did not want a forbearance, as I'd not asked for one. It turned out that there was a box I'd checked on the form I turned in on XX/XX/XXXX, where I had mistakenly checked the box for forbearance, and then crossed out the entire line because it was a mistake. Even though I had written a letter to accompany the form, which clearly stated I wanted to have my IBR re-certified. I downloaded those documents this evening, from my XXXX account, and have attached them to this complaint. 

I began the process of completing new IBR paperwork on XX/XX/XXXX. I believe this is when I reached out with my first complaint to CFPB, and the issue was remedied. 

The problem now is that as a result of XXXX incorrectly putting my loans into forbearance, my interest rates were capitalized. I have a problem with this, as I did not request a forbearance, and immediately called to correct it. I believe that my interest rates being capitalized was a mistake that was the fault of XXXX, and I would like to have this rectified.
I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning July 1st 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
My family members and myself received threatening calls and voicemails saying they were taking me to court in XXXX XXXX ( which is in Arizona and they called from an Ohio number ) and filed an order for location. They gave me a fake case number which didnt pull up anything with the county public records. I called the number they left and they didnt offer any disclaimer or gave me my rights. They just said legal when they answered the phone. I asked if this was a debt collection agency and they said no so then I asked the attorney they work for and the lady started to talk about personal information without verifying who I was. They werent telling me who they were. I told her I wasnt going to discuss personal information nor would I verify my personal information if I didnt have all the company information because i felt like this was a scam. I asked her to not contact me or my family members again and she said see you in court, XXXX.
I had an homeowner 's insurance claim around XXXX/XXXX/2013. The insurance company paid out on the claim totaling approximately {$25000.00}. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly {$5000.00} in the gap between the pay-out and the actual cost to rebuild : about {$30000.00}. The deck in question is n't attached to the home and was originally deemed with no value by the appraisal done at the time of the purchase of the home. I have offered to allow them to dictate where else these funds could be spent on some critical deferred maintenance areas e.g. window, energy upgrades and they have flatly refised to budge. So, funds sit with this company while the home/investor 's collateral deteriorates.
I am currently dealing with an account with Midland funding. The account was settled, but I 'd never received receipt or any proof of payment, all I have is bank statements stating that I paid them. this is still showing up every month as an unpaid debt on my credit report and as I am trying to purchase a house, this is really hurting my credit. My calls to Midland funding and with the promise of an email stating that my account is paid and closed, But I never get anything and it continues to show up on my credit report every month as a delinquent balance.
I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why.
Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory.
Hello- I have a XXXX  's store credit card. I do use it and currently have a XXXX   balance. In XX/XX/XXXX I received a letter stating that I was going to get-or being upgraded to an XXXX XXXX XXXX XXXX XXXX. I already have an XXXX XXXX card + I don't want to pay for another credit card. It is not clear if there is an extra yearly fee. I have until XX/XX/XXXX to decline the card. My issue is that I have tried to call the XXXX number and tried several times to log on to the XXXX address to decline the XXXX XXXX card. It sends me to the XXXX questions page. Please help. I don't want the card.
I HAVE SUBMITTED SEVERAL DISPUTES TO TRANSUNION REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE TRANSUNION FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE TRANSUNION.
A previous Mortgage company claims a payment became missing during my Chapter 13 status ( XX/XX/XXXX to XX/XX/XXXX ) and they ca n't or will not provide specific documents indicating exactly what month that the payment became missing. The Mortgage servicing company has since transferred my loan to another Mortgage company showing a missing payment and also with claimed unapplied funds.
I graduated in XXXX, have been making my payments every month without fail. Twice I have had to due to increasing interest fees and plans terminating to switch to other repayment plans that have raised my principle due to interest accruing. My loans were to be paid back through XXXX and then XXXX moved those loans without my knowing to Navient, which Navient tacked on fees to my principle. I have been making payments on a plan through Navient that saw my payments at around {$200.00} a month, my principle was going down all was fair as fair can be I suppose. This Month, XX/XX/XXXX my payments jumped up to XXXX and when I called to inquire why, I was told my existing plan had expired and that this was the new monthly payment and interest fees, that if I cant make these payments I should sign up for a the Income Driven Payment Plan which I could pay as I go but my interest would still accrue making my principle higher by almost {$3000.00}. I want to pay my loans but this is just making it harder and ultimately places me in danger of defaulting and or adding more to my principle.
equifax, XXXX, XXXX, has reported a fraudulent account on my credit report
On XX/XX/XXXX, we refinanced our mortgage and paid off our Wells Fargo mortgage. Also, the property taxes, in the amount of {$4300.00} was paid in full. When my wife and I returned home there was a mortgage statement, which indicated that another payment in the amount of {$2400.00} had been taken out as an automatic draft ( that had already been paid with the refi ) and Wells Fargo had taken out property taxes from escrow. 
I called WF 2 weeks ago to ask when we would receive our escrow and extra payment refund, and they indicated by XX/XX/XXXX. Since today is XX/XX/XXXX, I called today to see why we haven't received it. They indicated that it was mailed XX/XX/XXXX and it would take 7-10 business days to arrive. The amount was {$2400.00}. That seems low, but I didn't give the rep a chance to explain. 
In addition, I found that XXXX XXXX received the taxes from WF AFTER the refi,  and that they would be refunding that to WF in the next 30 days. Based on the escrow payment, we should receive our refund of taxes in XX/XX/XXXX, two months after the refi. 
It is apparent that Wells Fargo is taking advantage of the float as long as possible.
This time I spoke with XXXX XXXX on XXXX/XXXX/2017. The last conversation was with a representative in XXXX. XXXX XXXX refused to provide last name or any contact information. He said he was the only XXXX XXXX at the call center and there was only one call center.
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I received a letter in response to a dispute that merely had the amount I supposedly owe and verbaige that simply stated it was validated. I do not recall this debt. I reached out to both the original creditor and insurance company MNET referred me to and neither have any information regarding me or this account.
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MNET stated they validated the debt by confirming it with the original creditor and that they do not have proof just the original creditor saying it was mine. It is not.
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I requested proof in the dispute request. Proof they own or were assigned the account. Proof of the amount and supporting documentation not just their say so.
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I never received any written or verbal correspondence outside of a recent letter saying this is yours and you owe {$860.00}.
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They kept telling me today the limitation of 30 days is up and they do n't have to provide proof. What 30 days. I noticed this in XXXX on my credit report and disputed right away.
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The FDCPA ( Fair Debt Collection Practice Act ) If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report.
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The FCBA ( Fair Credit Billing Act ) also states that they can not validate a debt with a credit bureau until they provide me with validation. They have validated and I have no validation. They validated with XXXX not with me.
We called Citimortgage, our current lender, to find out about refinancing our home. We asked about the rates as well as questioned whether we had enough equity in our home to get the amount of money we needed. We gave our information to XXXX XXXX, a loan originator, who then looked up our property. He said that our value was {$350000.00} based on a XXXX estimate. We questioned the value and verbalized that the XXXX estimate was far too high ( on more than one occasion ) and XXXX XXXX reassured us that XXXX was " pretty spot on '' with its estimates. We went forward with the loan application and paid the fees for the processing and appraisal. After submitting endless paperwork and hounding the personal processor, XXXX XXXX to keep us up to date with any additional information she may need, the appraisal came back, and it was {$95000.00} less than XXXX estimate. XXXX XXXX then came back with a much smaller loan amount and higher percentage rate assuming we would continue. Needless to say, we felt like this was negligible on Citi 's part. XXXX XXXX prepares home loans as a profession, and we believed in his faith of XXXX estimate. We would have NEVER gone through the process or paid the money to CitiMortgage had we known the real value of our home ; it would have been obvious that the value of our home did not support enough to refinance. I called XXXX manager, XXXX XXXX ( NMLS ID : XXXX ) and stated that I believed it was negligent on Citi 's part to use an estimate that is so inaccurate and requested our money back. After XXXX XXXX listened to the audio from our calls with XXXX XXXX he agreed ( while not admitting fault on Citi 's behalf ) to refund our money. Since then, I have emailed XXXX XXXX weekly for well over one month and received various statuses regarding the refund I was promised. Ie. " Team overlooked decline note '', " reprocessed ''. I feel as though CitiMortgage/XXXX XXXX should keep their word and refund the money. The last correspondence I had with him was Wednesday, XXXX XXXX, 2017, where XXXX XXXX said he " resubmitted the refund on XXXX/XXXX/2017 and it should be credited to the card in a few days ''. My husband called the following Monday XXXX/XXXX/2017 and XXXX XXXX said the same thing. It is now Friday, XXXX XXXX, 2017, and well over 30 days from when we were originally promised our money back by XXXX XXXX.
This is an ECOA complaint for unfair lending practices. XXXX XXXX XXXX Made two loans to me between XX/XX/2017 and XX/XX/2018. The first one was for XXXX and the second one for XXXX. I payed them off within 3 months time and with no late payments and when I applied for the 3rd one I was denied and given this message that I had to credit to receive the loan. I was rejected for no reason and as if I were never a customer with them to begin with. I have all of my payoff emails and documents from the bank as well as bank statements to prove the dates the loans were deposited to my accounts. 

" '' '' Unfortunately we were unable to approve your loan request due to delinquent past or present credit and/or limited credit experience. We consider all possible loan options during the evaluation process, if a counter offer could have been made at this time, we would have done so automatically. Should you have any further questions, please feel free to call us at XXXX or XXXX. XXXX XXXX XXXX XXXX A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX Fax XXXX '' ''
I want to report PayPal credit for continuing to make harassing phone calls on both my cell phone and home number. My home number is not even listed and not an authorized number for them to be contacting me on and they are still continuing to call me there. I have scheduled an automatic payment that is to be pulled later this week and I am still receiving annoying harassing calls!
I filed a previous complaint against GM Financial for this exact same matter and it was closed by the CFPB. Complaint # XXXX I don't understand how a company like GM Financial is allowed to get off the hook for falsely reporting information. As of this morning, XX/XX/XXXX, my credit report now reports my last payment as being in XX/XX/2016 and reports a balance of {$0.00}. However, I recently paid my bill and according to GM Financial I still owe them in excess of {$9000.00}. 

This is fraud, plain and simple, and this is affecting my credit. 

GM Financial is being incompetent and I believe is intentionally being disruptive and destroying people 's credit. They have refused to discuss the matter during multiple phone calls to the company. 

I will be speaking with an attorney and seeking financial restitution immediately if this matter is not resolved.
Well my mortgage was under XXXX lending services at the time my insurance was still active once they transferred my mortgage over to fay servicing they cancelled my insurance an was turn over to fay servicing I was never informed of the change of insurance an taxes.they just kept taking payment an increasing my mortgage payment I resently changed my insurance an now my monthly payment of my mortgage just increased ..
I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE XXXX XXXX  SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED XXXX XXXX SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH XXXX XXXX NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE XXXX XXXX CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET QUALITY LOAN SERVICES CORP DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON,  REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
The company Medical data Systems , Inc. of XXXX florida when contacted could n't provide any information or bill to show that I actually owed a debt. When I asked for the confirmation of the debt they responded that they did n't have the information and even without the information to confirm the existence of a debt they refused to remove it from my credit report. 

I called and talked with a representative, a supervisor and the both of them refused and could not provide information on the debt. They just stated it was valid. I asked for a copy of the debt and they said they did n't have it. they both also stated that they could n't nor would not remove the information from my credit report. 

They have neither the information of who owes the debt not can they provide a copy of it saying I actually owe it. 

6 phone calls were made on XXXX XXXX, 2017
On XX/XX/XXXX my checking account had {$16.00}. A purchase made for {$4.00} was made on XX/XX/XXXX, but is still pending in my account on XX/XX/XXXX. A check cleared the bank on XX/XX/XXXX for {$15.00} leaving XXXX in the checking account. However, a they charged me a overdraft fee of {$36.00} for the check. They are charging me a {$36.00} overdraft fee for a difference of {$3.00}, and the {$4.00} purchase is still pending. I made a deposit on XX/XX/XXXX that would more than cover the {$4.00} purchase that is still pending in my account. I feel this bank is violating the legal standards placed on overdrafts. As they are including pending purchases that have not cleared as well as charging fees on purchases under {$5.00}, by trying to cheat the rules put in place by the federal government. This bank is violating standards set by the federal government.
The debt was owed ( {$930.00} ) was paid to NCC. I do n't owe the amount of {$2200.00}. Attached is the documentation to prove it.
I am a current Coinbase.com customer. I recently traveled to XXXX on vacation and logged into my account on my cell phone because bitcoin was on the rise and I wanted to check my balance. Unbeknownst to me, XXXX blocked/locked my account and reversed 2 of my transactions ( which I have still not received the funds for yet. ) I have reached out more than a dozen times to their customer support, to no avail. I am frustrated because I just want someone to help me unblock my account. ASAP.
I opened a credit card account with Capital one in XX/XX/XXXX and I have had up to three cards from that time until now ( XX/XX/XXXX ) I have two cards from Capital One now and my complaint refers to both but specifically one which I had since XX/XX/XXXX. My payment record is excellent with all my cards. I have applied for credit increases many many times and was only approved for {$100.00} one time. I was told they would automatically increase my limit. Through those year my credit most of the time was at least good to the point I purchased one home and paid for it was approved for at least 15 credit cards with limits of {$600.00} to {$7000.00} I have purchased another home and have been approved for refinancing of $ XXXX.ihave chosen to only have four credit cards now with the maximum limit at {$7000.00}. My income as reported to Capital one for my credit increase was {$120000.00} last year. On XX/XX/XXXX I applied for a credit increase and was told I needed to make larger payments because my payments were to low. I hav paid this card off twice because it started with a limit of {$900.00} and almost 20 years later it is {$1000.00}. My minimum payment is {$30.00} and I made payments ( always on time or before ) of {$260.00} in XX/XX/XXXX and XX/XX/XXXX, {$50.00} in XX/XX/XXXX and {$150.00}. In XX/XX/XXXX and XX/XX/XXXX. There isnt any other reason for this but discrimination.
Synchrony Bank responded to my prior request by sending me some account statements from an alleged account. The statements did not even add up to the alleged balance they are claiming. There was also no documentation of the supposed account terms, any proof of an agreement between myself and them nor ANY proof of this account being valid.This account remains unvalidated, and inaccurate. I asked for the full accounting history and all that was provided were statements starting in 2011 that already had a balance on it.There are also all kinds of blank fields and retracted blacked out items on these statements they sent. This all means the information you have furnished is inaccurate and incomplete and the FCRA says you are required to delete this information. 

I am now asking them here where the CPFB can see it themselves, for them to provide copies of the actual documentation used to " verify '' this account with the credit bureaus. Including a certified copy of the original contract, the FULL accounting history of the account from the origination to present, copies of cancelled checks proving late dates, and proof of the bank account the payments were taken from. Also please provide proof that you lent me actual money and where did they get that money from since it is against the law to lend money from your assets or your depositor 's assets. 

XXXX XXXX XXXX defines 'verification ' as " the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. '' So I would like for Synchrony Bank to provide the sworn legal statement proving that we did business of any kind. 

Lastly, I would like Synchrony Bank or GE Moneybank to please admit or deny on a sworn affidavit that Synchrony Bank ( or GE Moneybank ) received insurance money that paid off the account at approximately 90 days of no payments. Please admit or deny that Synchrony bank followed the law and took a loss on their taxes the year they charged it off. If they did, the debt was cancelled and no longer exists. 

If you can not provide all the requested information, FCRA Sect 611 requires this be deleted. If this remains on my credit report, I will be filing more complaints with the XXXX, Attorney General and as a last resort, finding a consumer attorney and taking legal action against Synchrony Bank for willful noncompliance of the FCRA.