WillisBack/dataset-financial-user-claim huggingface dataset:
These companies call 3-4 times a day I have told them I'm on the Do Not Call List. Under Maryland Law this is Telephone Harassment. I am retired XXXX  XXXX, and would like compensation for these numerous violations.
I 've been setting up automatic monthly payments with Navient for years. Every time they set me up on a new monthly payment, I write down the name of the rep an d her ID #. 5 or 6 months later, I get harassed and calls everyday saying im in default and it messed up my credit score. when asked why, they always tell me my monthly charge is wrong and i own X amount more. But I can pay the difference to be in good standing. Well, ive been doing this for yrs! Stil every 5-6 months pases, and I have to start over and deal with them putting me at default and increasing my payments. I mean, i set up auto pay! How can I miss payment amounts on that? giving them the previous rep 's name and # does n't even help. they also blame the person who helped me before, saying they calculated the pay wrong. so, it threw my current acct off. They say they will fix it and remove all my late fees, but it never happened. i 'm getting interest on the late payments and i ca n't even buy a car or house! I actually have to call them again bc as usual, I check my online acct and I still have a default acct even though they take money from me every month. I hate calling them. It 's a waste of my time and they act as im the one to blame. I need to get this fixed asap. It has ruined my life. sometimes I ev en think about committing suicide bc no one will resolve this.
Credit card refused to close an account and remove unauthorized charges in an amount of {$120.00}, after I called and reported those transactions as fraudulent. The company who was making charges breached contract and I ask credit card to stop payments which they failed to do. 
Customer service was very rude and refused to fix the issue. 
Worst customer service!!!
I sent a letter of dispute to Experian on XXXX XXXX, 2015 and they sent me a response saying they received a suspicious request in the mail and it was not sent by me. It goes on to say they will no longer initiate any disputes based on the suspicious correspondence. I was the one that wrote and mailed the letter so there is no suspicious request. Experian is trying to get away with no longer having to respond to any dispute requests.
Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX Phone # XXXX XXXX. Approved a Mortgage loan modification of 3.75 % last year. The agreed payment was {$2100.00} per month. When my XXXX bill came my bill was for {$2200.00} per month. XXXX XXXX 2015. They stated they miscalculated property tax and Hazard insurance. As of XXXX 2015, my mortgage payment will be {$2400.00}. They have stated the rate increase is do to {$3500.00} for property tax, {$640.00} for FHA, {$1200.00} Hazard Insurance, *** {$1200.00} for New Loan Setup***I should not have to pay {$1200.00} for New Loan Setup. This loan was taken over without my knowledge by Ocwen. My original loan was with GMAC who went out of business. Why do I have to pay when I had nothing to do with GMAC going out of business and selling my loan. This seems to me as another form of Predatory Lending tactics. 
What is this. jump in tethey have in Know I am being charge s 1 year later they have reone yearXXXXtal mthe loan was finaliz oo on
Two Issues : ( 1 ) In XX/XX/XXXX I had to take out a private loan from XXXX XXXX for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not XXXX XXXX. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that XXXX XXXX is reporting on Trans Union several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that XXXX XXXX is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with XXXX XXXX. They are also paid with a XXXX balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.
I took out a Payday installment loan with Check N Go. I have paid them in full but they have harrassed me for more than the original loan called for the last 2 months. 
They have now sold the loan to a debt collector who is now trying to collect on a debt that has been paid in full. 

Please help, XXXX XXXX XXXX XXXXXXXXXXXX
I had hail damage done to my home on XX/XX/2015 my insurance co. sent me a check in owcen and my name XX/XX/XXXX I sent the check via XXXX nextday.I had faxed my docs over on XX/XX/2015 I called everyday to check if they had everything they needed.everytime I called all I got was no they have not been loaded onto the system call back XXXX. Ocwen got the check on XXXX XXXX called that same day same thing no docs. called again on XX/XX/XXXX, Monday after XXXX still no docs I talked with maybe XXXX different supervisors XXXX told me to fax the docs.to XXXX I tried this number and it was not a working number .then in the afternoon on XX/XX/XXXX I spoked with a person named XXXX I told him the XXXX # I faxed the docs to on was XXXX and the other # XXXX he said that # was not being used someone gave me an incorrect #. 
he searched for the docs.that 's when he said for me to email the docs I asked him to email me to confirm he got them, he stated he could not do that but he would give me a call well he did email me that he got the docs. finally. now the XXXX XXXX guys I spoked with earlier promised me they would expedite the process. I called again on the XX/XX/XXXX this agent was XXXX he was just rattling words making no sense at all. Keep in mind I had to wait 7 weeks for XXXX to approve my claim meanwhile it 's been raining and my roof is leaking and moisture is building up in my walls my carpet is ripped due to water. the people who dried it ripped the carpet tore out the installation from the walls the cover on the roof is an eye sore the homeowners assoc. will soon be writing me for that soon. I am sooo fed up with dealing with these people at ocwen. they are not considerate of my needs during this difficult time. I need help something needs to be done this is a crisis.
I requested my credit report from Experian today ( XX/XX/XXXX ). Everything looked correct except XXXX hard inquiry item that I did n't recognize : Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XX/XX/XXXX XXXX XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I have an equity line for {$38000.00}. Last year in XXXX 2014 I received a notice from my current lender - Wells Fargo, that this equity line was coming to term & payment in full was due XXXX 2014. The letter said that if I was unable to pay this I should contact them. I did repeatedly & tried to make payment arrangements but they kept saying that they could not accept anything but the entire balance. Since XXXX 2014 I have gotten letters listing options ( one of which is to make payment arrangements ) but when I call they tell me that payments are not an option. So why send the letter saying that?
I had two student loans from XXXX XXXX which were serviced by XXXX. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX.  From that point forward, XXXX has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. XXXX, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By XXXX continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with XXXX by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, XXXX indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, XXXX continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue XXXX for its willful behavior.
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to Credit Protection Association LP on XXXX. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. Credit Protection Association LP claims I owe a debt from an Grande Communication that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by Credit Protection Association LP. Therefore, by the FDCPA that Credit Protection Association LP was not able to prove that I signed a renewal lease. So, Credit Protection Association LP was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my XXXX XXXX Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and Credit Protection Association LP agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. No one has made an attempt to call are send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, Credit Protection Association LP is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of Credit Protection Association LP from my credit report. I am going to provide all my evidence to my case.
I am attempting to release a co-signer from my loans. This has been problematic because I live and work XXXX. A successful co-signer release involves a few things but in my case paying 12 months consecutively with no late fees is the issue.
My lender does not currently have the ability to offer me auto payments via my international bank so I can not ensure on-time payments. My earnings are made in a foreign currency and I must convert and send payments over to my XXXX XXXX account which is where the problem lies. I am at the whim of the intermediaries capabilities to deliver the funds on time to make the payment.
All other requirements check out. It just seems it will be impossible to accurately target 12 months on time payments when the deciding factors are not in my own hands, being a reflection of my credit worthiness.
This fact has been confirmed with a representative as being a sad and unfair situation, but, nothing is available in terms of solutions from their end.
I have an account with Bank of America and I am having discrepancies in my account. My account was overdrawn and I am being charged excessive amounts of bank fees. I have tried multiple times to get some sort of assistance in removing some of the fees that are being charged on my account, and they said that they were unable to help with any of those fees. 
I 've also tried to set up some sort of payment plan with BOFA so that when my Social Security direct deposit comes in the amount wont be taken in XXXX lump-sum, and they also were unable to access me with this request because I would need to cancel my direct deposit first. I 'm not quite sure as to why BOFA has the option for discrepancy and they were not able to access me in any shape of form. I asked a question about their policy and the representative was unable to answer my question but stated a customer service agent would. 
When I got transferred to customer service they also could not answer my question and said to me that the discrepancy department has given me false information. I then-after asked if they can assist me and creating a payment plan and was told by customer service that they have a department that can assist me with the payment plan. Customer service transferred me to a collections agency that told me that customer service also gave me false information. 
I am single mother of a XXXX year old XXXX receiving a pension of {$XXXX} once a month and in fees alone this bank has charged me a little over XXXX dollars in fees in just 2 weeks ; and the fact that BOFA 's collection agency stated that i needed to cancel my direct deposit in order to create such payment plan is just ridiculous. The lack of communication skills within this company 's ' departments shows why they have such a horrible review!!! 
I can not fathom how individuals would choose to work for such company. I am completely distraught with the assistance i have received by them.
After attempting to obtain credit on an auto purchase, I received a letter in the mail stating the application had been declined in part due to my XXXX score. I have a 700+ FICO score with the major three reporting bureaus, but have never even heard of this company. Per their website a freeze/copy of the report can be obtained over the phone or by faxing or mailing my sensitive personal information ( SSN/DOB/Copy of ID etc. ) to them. After attempting contact at the number provided per their website, I was notified this can only be completed by sending the below. I am not comfortable with this, additionally their website is misleading as it states, " If you would like to request a security freeze, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 )  submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year )
On XX/XX/2016 I have applied for a mortgage to refinance my house mortgage. I have provided my three year tax return my XXXX and other required documentation. Today is XX/XX/2016 I do not have any respond from the bank of America to know if they will approve my mortgage or they will deny. I have made few calls to my loan officer and XXXX XXXX XXXX the loan manager but still no any respond.
1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history. 
2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill? 
3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD. 
4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago? 
5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!
I obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all 3 bureau 's and received notice on XX/XX/XXXX that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date. <P/>TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Made a simple PAYPAL purchase on XXXX. I had a credit balance. I then received a bill. Confused, I called them only to learn that by clicking the button called Paypal credit, XXXX SECONDS LATER they slammed me with a {$6500.00} XXXX line of credit! I never needed wanted or asked for this! They said it was confirmed in an email - IT WAS NOT! They named a new product as what I thought I have always had ... .PAY PAL CREDIT ... .what do they call the other? its purposeful and I 'm furious. I called them and closed it down ... telling them what I thought. THEY NEED TO BE STOPPED
I started a new loan with Wilshire consumer credit in XXXX of XXXX payments were {$180.00} per month the loan amount was {$2500.00}. I kept looking at my statements and the balance never really changed I spoke to a loan agent and apparently my interest rate is 75 % since XXXX XXXX my total payments is over a {$1000.00} and only {$140.00} went to the principal. I did not know this till I called last week. That type of interest rate mean I wont be able to pay this off till XXXX or XXXX. I believe this to be abuse.
This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated!