WillisBack/dataset-financial-user-claim huggingface dataset:
Extreme difficulty in repayment, tried to lower payments and was extremely difficult and unclear, payments were not recieved. When made, constantly calling my house, very difficult to work with, ruining my credit.
XXXX XXXX says sorryfor what they did and no name on paper work just letter
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX Acranet-XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
We ( my husband and I ) refinanced our mortgage loan with CapitalOne. We closed on XX/XX/XXXX. Capitalone did not pay off our prior mortgage until XX/XX/XXXX-7 days later. We thus paid interest on both loans for a week. When I called our CapitalOne POC to discuss this, he said he had heard something about there being a glitch and delay in paying off some prior mortgages, that he would look into it, and if there was a late payoff as I described, he would reimburse us the extra interest we had paid. I then never heard back and never received a reimbursement check, despite leaving many phone messages asking for a status report and call back.
Navient which is a branch of XXXX took over this debt XX/XX/2006 and because Navient was not able to collect on the debt has now contacted XXXX XXXX XXXX XXXX to collect the debt that is too old to be on my credit file and was due to be taken off last year. XXXX XXXX XXXX XXXX is now contacting me to collect on the debt because Navient has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.
discover is taking an unreasonable amount of time with a balance transfer. The im trying to transfer a balance of XXXX but nothing is happening and I have no idea why its taking so long.the first one was started XX/XX/XXXX but i closed it and started a new one.
Navient has sytematically and illegally failed me at every stage of the student load repayment process. Navient has also systematically failed me in the beginning stages of loan origination. Navient 's response that the lawsuit is politically motivated is a copout to their known, intentional, and repulsive activities. Navient 's response infuriates me because I do n't need to research how they 've failed consumers. Citations are not needed for me to understand what they 've done. I have my own personal experience with Navient, its subsidiaries, and its associates. I am repulsed by Navient 's attempt to dodge responsibility under the cover of politics. I am repulsed by Navient 's effort to justify their evil mistreatment of consumers at every stage of the loan process. Furthermore, Navient 's response infuriates me because I have no recourse other than the hope of the Consumer Financial Protection Bureau 's lawsuit. Navient and their associates have literally intentionally lied regarding my private student loan. When it all boils down to it, it 's my word against theirs - regardless of what rules, regulations, and laws their collectors and associates must follow.
I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. 

On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. 

There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. 

One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. 

I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. 

XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.
This debt company is attempting to collect a debt from me I believe is not mine. They are damaging my credit by reporting this debt to be accurate. I have not lived in Michigan for some time. I am contacting an attorney due to this fraud.
On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. 
Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. 
Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. 
I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. 
With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. 
In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. 
This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. 
Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed.
Due to a change in circumstances, my house was in default and I received funds from the Obama save the dream program ( Ohio XXXX ). I was given {$15000.00} and it was supposed to be applied to bring my payments current. My mortgage company, XXXX XXXX or its assignee, did not apply this money properly to my mortgage account. They have been unable to give a proper and complete payment history. My home has been in foreclosure court XXXX different times due to this in XXXX, XXXX, XXXX. The cases in XXXX and XXXX were dismissed by the bank because they could not produce the evidence needed to support the payment history. 
In XXXX, was dismissed with, the magistrate advised the mortgage company to get the payment history corrected. My atty and I have repeatedly asked for the funds to be applied correctly with correct payment and payment history amounts. This has not been done. 
Court : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXXWhat we would like to see happen ; that would be in favor of all involved ; would be a correct payment history, reversed interest and late fees for the period of time I did n't have the corrected payment history, then modify the loan to allow me to make regular and reasonable monthly payments.
I have asked Synchrony Bank for your JCPENNEY to stop sending emails to my email address of XXXX for over a year and they refuse to stop sending this to me. This account belongs to someone that does not live in my home and I have no idea how they got my email address. This is an invasion of my privacy and her privacy as well. I know this lady from my son dating her daughter and she has no idea how to use a computer let alone my email address. I have sent them emails numerous times and I called them last month and got into an argument with them about my email address and her personal information being sent to me. I am tired of this happening and I wish they would stop it. If they don't stop I will seek legal action against them for the invasion of my privacy as well as hers. This person does not even live in the same house as me and they just need to do something now and not later. If you need a copy of the email I am receiving from them I will gladly attach one for you as I have quite a few of them saved in my legal folder on my computer and I believe I have a copy of the letter I have sent to them as well. Please get them to stop sending this to me and send it to the right person. 

Thank you, XXXX XXXX XXXX
I am submitting " Special Payments '' to be applied to Principal. Navient is pulling 30 % of each payment for interest. I really thought this would stop after the Law Suits I heard were filed. But it hasn't stopped and when I call them, I am told that I don't understand. no, I sure don't understand how payments can be current and these amounts of Interest can be pulled from a principal payment that is marked exactly how they request it be marked.
on XX/XX/XXXX at XXXX XXXX, I was checking my annual credit report and i saw that voss & klein was reporting a debt that is not owed for services rendered at XXXX XXXX. I contacted them and requested them to validate the debt and they supplied me with multiple invoices, 3 that show that my balance was XXXX, plus a typed up letter from XXXX XXXX without an official letterhead, no signature and dated XX/XX/XXXX almost 9 months after I received the service. As the invoices submitted by Voss & Klein clearly indicate that the account balance is XXXX, they still continue to try and validate this account as accurate. I spoke to XXXX XXXX via phone on, XX/XX/XXXX XXXX XXXX and I also send her an email disputing the debt, bringing to her attention that the invoices show a balance of XXXX and that I demand she cease all collections and remove this erroneous and damaging information from my credit report. I again checked my credit on XX/XX/XXXX and I saw that this information was still on my report at which point I sent out information to the credit reporting agency and they stated that it was actually validated again on XX/XX/XXXX by Voss & klein. I mailed out a dispute letter to Voss & klein on contacted Voss & klein again on XX/XX/XXXX and demanded a legitimate validation of this debt, a signed contract that says I am a signed agreement with Voss & Klein or XXXX XXXX agreeing that I owe this debt and she sent me the same exact invalid documents that she sent in XXXX. Now ive been to XXXX XXXX and they will no longer discuss this with me because they have an agreement with Voss & Klein so they can no longer discuss this matter with me. 
The burden of proof is with Voss & Klein and they have not been able to supply me with any legitimate proof that this is a valid debt nor that I have any signed contract with them authorizing them to collect any money or giving them the right to report this damaging information to the credit reporting agencies. I have been denied credit, financing and lost out on apartment rental due to Voss & Kleins bogus, inaccurate and unverifiable reporting. I ask that Voss & Klein cease all collection efforts and delete this damaging information from my credit report. 
Respectully, XXXX XXXX
Contract Callers Inc is listed on my credit report. There has been no verification provided to show that I had or have any liable obligations to make payments to Contract Callers Inc for any type of services. They are collection a debt which I have no debt that is owed to their company and they have not provided me with any information or verification showing that I owe this debt.
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from XXXX. I asked for written verification as well as signed contracts with my signature for XXXX ... there were XXXX accounts on my report for XXXX in which XXXX were deleted yet XXXX remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....
I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up
I recently saw an article about the Consumer Financial Protection Bureau in XXXX. It brought to mind something that has been bothering me a very long time. I 'm guessing there might be some statute of limitations issues or something, but I thought I would pass it on just in case there might be something I could still do about it. 

Several years ago I got a XXXX envelope from Washington Mutual Bank, the lending institution that held my primary mortgage at the time. According to the letter inside, the bank wanted to reward me for being a loyal customer by lowering my interest rate by a quarter percent. I called the number that was referenced and asked what the catch was. I was told there is no catch and there would be no cost or appraisal involved. They said they would send someone over to our house to sign the paperwork and that 's all there was to it. I asked why they were doing this and they simply said that they appreciate their good customers that paid on time and they wanted to offer this in return. 

What the bank DID N'T mention was that the government had just initiated the HARP program. It was new and had not yet been widely advertised so I was n't aware of it. I only found out after I had renegotiated my loan that 1 ) I could have likely gotten a MUCH better interest rate, and 2 ) after obtaining this " gift '' of a new loan, I no longer qualified for HARP. 

Again, I know a lot of time has passed, but I have never stopped being angry at this underhanded, deceptive scheme by Washington Mutual to trick me into this. If there 's anything that can be done at this point, I would be very happy to cooperate in any way necessary.
Navient has reported me making late payments on my credit report for the last 2 years. navient fails to correctly apply my payments to my student loans. They have given me false information several times and tried to hinder me from taking part in a repayment plan with a lower interest rate, the continuously report my payments late to the credit bureaus.
The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account # XXXX no contract or no signature
I opened an account with Capital One 360 Bank in 2014 i made some deposit into the account that were placed on hold since then I've been contacting capital one 360 bank Security team to try and get the funds but still haven't gotten the funds left in the account.
I purchased a XXXX XXXX XXXX XXXX in XXXX XXXX with XXXX down payment and XXXX loan with Suntrust Bank.The rate according to my loan was 3.4 % for 60 months and based on my payment details, I have already paid more than XXXX to this date and according to the bank I still owe XXXX more for the loan to be paid off. 


I went to the branch 3 times and one associate provided me with the phone number for the corporate who manage the loan, I called several times unfortunately nobody was able to help me
I sent the the attorneys, XXXX, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
Received a letter from Comenity Bank advising me they did not have enough information to complete my credit card application for XXXX XXXX ( Retail store ). They also quoted my credit score in the letter. I have never heard of Comenity Bank nor have I ever shopped in a store by the name of XXXX XXXX. When I called them to let them know this is a fraudulent application they said unless I provided my DOB and SSN # they could not assist me. 
I want the inquiry removed from my credit. My real concern is about the bank and their practices. Who are they, where are they?? The letter has a reference number on it, why do they need my personal and confidential information to take a fraud report? They must know who I am they mailed the letter to the correct address ....
An account is listed on my Transunion Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Transunion has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX   I have contact Transunion multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge  that this case was Settled on   XXXX   XXXX   XXXX   A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.
We have our house on short sale SPS is the servicer. I have 5 letters that say we could receive up to {$10000.00} in relocation assistance and have had XXXX or XXXX recorded conversations with SPS. Finally they have accepted an offer. I ask about the Relocation assistance and they now say I wo n't get it. When I ask why they say because I am not eligible. I ask why? all they say is if you do n't sign the papers as is then they will just forclose. When I talked to someone yesterday I ask if I could get it in writing that they say I am not eligible. As it is all I have in writing says I get it, and without A letter from them that says they are the ones that refuse the relocation money it would appear that I just signed off. All I ask was some proof in writing from them that I am not eligible. They flatly refused to give me anything in writing. That makes me think they are trying to hide something. The mortgage business is nothing more than paperwork, nothing is done word of mouth. 
If I do n't get the money OK I do want something in writing from SPS for my own protection.
Someone used my identity to order some phones from XXXX XXXX. They used the wrong birthday. At the time of this order I was only XXXX years old. They have seriously ruined my credit.
XXXX XXXX XXXX account ( ending in XXXX ) was opened fraudulently. 

As I have upgraded my XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ( ending in XXXX ) in XX/XX/XXXX, I was told that the previous card has closed. 

On XX/XX/XXXX, I went to XXXX XXXX store made a purchase, and asked the XXXX XXXX cashier to put that purchase on my XXXX XXXX XXXX account. However, the cashier open a new XXXX XXXX account without notifying me. 

On XX/XX/XXXX, I received call from XXXX XXXX to pay late fee charge and interest for XXXX XXXX Card account. After speaking with more than three customer services from XXXX XXXX on the call, they just pushed me to settle for the payment. 

XXXX XXXX failed to notified me about the new credit card account opened without my consense, until the late fee has been charged. I was charged for unfair late fee due to the mistake made by XXXX XXXX workers and XXXX XXXX. 

I have no late payment for any other credit card that I own from other banks. This has negatively impacted on my financial credit.