WillisBack/dataset-financial-user-claim huggingface dataset:
History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX XX/XX/XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : The servicer for our rental property ( Select Portfolio Servicing ( SPS ) ) has not corrected the interest rate calculation error or responded to our CFPB dispute of their response. In addition they have not advanced their foreclosure case since their original court filing. Through our legal counsel in XXXX XXXX we submitted information required for the HAMP program even though we have never qualified for any of the HAMP programs. SPS offered us a trial modification program using an incorrect loan balance and interest rate. We are requesting that our XXXX loan balance be correctly calculated. 

Thank you for time and consideration.
To Whom it may concern, I have requested validation of account with XXXX XXXX XXXX for a account that they claim belong to me for the amount {$690.00}. I only have partial account number # XXXX. To this day they have not been able to prove. That account is not mind. They keep saying is validate. How can they do that? According to the FAIR DEBT COLLECTION PRATICES ACT it gives me the right to request validation of debt. They keep reporting to XXXX, XXXX  and XXXX .I have attach a letter than I have send to them.
I had a Citibank credit card from the time I started my XXXX XXXX program in the year XXXX. I paid it every month during the grace period, with the occasional exception generating interest. Sometime in XXXX to XXXX my limit had reached XXXX dollars. I tried to use it one day and it was declined, and I called and they said they were no longer offering that service to me. Then he asked me how I would like to pay my remaining balance. I told him I did not, and got off the phone. Though I had never paid through automatic payments, he then set up an automatic minimum payment each month without my permission. My bank activity became hectic with lots of autowithdrawals for bills and services, and this autopayment was not clearly named. It was not until XXXX when I closed that bank account that I noticed a XXXX something autopay that did little or nothing to pay more than interest. Over a period of more than 6 years, they had stolen around XXXX dollars from my account. Additionally, someone had changed the password and security questions on my account. I can no longer access any account information.
Rushmore Loan Management Services recently purchased my servicing from XXXX XXXX. My first payment to Rushmore was due XXXX XXXX, 2017. My complaint is in regards to its requirements to establish an online account to manage my account as it requires a FULL social security number with no alternative to establish an online account. My concern is in regards to Rushmore 's apparent lackadaisical handling of my private information, specifically my SSN. It seems ridiculous to require a FULL SSN in this day in age, especially via online. Rushmore 's approach gives me pause as to what other lackadaisical policies it has that jeopardize my private info and whether or not they are meeting the requirements of privacy protection. Furthermore, I never received a Welcome Letter from this company.
Collection agency reported to XXXX on XX/XX/XXXX a " closed '' collection account with a balance of {$19.00} that was opened with their collection agency on XX/XX/XXXX 

I received no dunning notice from the collection agency. 

Section XX/XX/XXXX of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. 

Failure to send a XX/XX/XXXX notice, is a violation of the FDCPA.
First I would like to state that I have never signed up with Advance America. I never contacted their company nor signed up for services through them. XX/XX/XXXX I stated receiving emails from what appears to be Advance America saying I owe them for an outstanding balance. I have never received anything in my physical mail in regards to any debt owed. I have asked multiple times for them to send me documented proof of debt and they have continued to not send me verification. Yet every few months I receive an email saying I owe them. Not only are they only emailing me trying to obtain money, but they are refusing to show proof of debt.
It says that I 've lived at XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived outside XXXX please help!!
I have filed a complaint before on this matter and Experian still has not corrected this. XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX is still showing on my credit file. I have filed a Identity Theft report and police report stating this isn't my responsibility. I have contacted Experian several times and sent all documents and proof of my Identity as well. THe FCRA prohibits them from reporting or keeping this on my file if Identity is compromised, but Experian and XXXX XXXX XXXX has just up dated this information again. Also XXXX XXXX has not validated or proven this after several request to do so. I have asked for the original instrument of indebtedness several times and XXXX XXXX XXXX  sent me a bunch of statements which is NOT acceptable per the FCRA as these types of documents can be altered and manipulated by any one. XXXX  and XXXX has deleted the information from my file as required.
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT # XXXX
XXXX XXXX, XXXX I made a purchase at Victoria secret and the store associate told me that if I sign up for the card I would receive a discount but nowhere did she tell me that the items would be charged on the credit card all this time I thought I paid for it with my debit card and decided to close the account before they could charge me for just having it but then I start receiving calls and I finally picked up in last week of XXXX and that 's when they told me that there was a charge on the credit card from Victoria secret and since I have n't paid it there has been late fees and I told them that there was a mistake because they failed to mention that the items would be charged on the credit card and the customer service refused to help me and since I work at a school and I do n't work summer I have no way of paying it yet but when I called again to see if I can dispute it the guy says why do n't I get a job and asking me how do I pay my other bills, they need to be fired.
XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.
I was court appointed on XX/XX/17 by a PA Court of Common Pleas Judge, XXXX XXXX XXXX, in XXXX County to gather records related to the indigent client, XXXX XXXX XXXX. The court order clearly stated " It is also ORDERED, that XXXX XXXX XXXX be permitted to photocopy or to have faxed/mailed/emailed to him any and all of the records AT NO COST to either XXXX XXXX XXXX and/or the County on behalf of said indigent Petitioner. '' On three separate occasions I contacted XXXX XXXX informing them of the above, with no success -- not to mention that at no time was I ever informed by the agency from whom the records were requested initially ( XXXX XXXX XXXX ) that any fees would be involved if records were sent. 
Now I have been sent a letter from the XXXX XXXX XXXX, a debt collection agency that they expect me to pay XXXX XXXX {$75.00} for the copying of 76 pages of information, equal to {$1.00} PER PAGE. This, in and of itself, is an outrage ( $ XXXX/page ), let alone AFTER THE FACT charging the fees, PLUS IGNORING A JUDGE 'S COURT ORDER.
XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. Transunion and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Today XX/XX/2018 I attempted to contact a human being at Experian and as in the past I was unsuccessful, even though I spent several hours in the attempt! My reason was according to a written communication I received from Experian I had requested a fraud alert. No such request was made! My information is supposed to be frozen. 


I used several sources from the Internet to attempt by virtue of multiple telephone numbers. In addition I contacted XXXX to insure my credit freeze still existed in their records and found it had been supplanted by a fraud alert issued by Experian. Additionally I contacted XXXX  and found that the fraud alert had been placed by Experian on my account there as well, but I did find that the freeze remained in place. 


I am not happy with any service I have ever requested from Experian! I would like my record expunged from these people as I believe they are not capable of securing my information! Is that possible, and can you tell me how to accomplish the task?
Paypal wo n't let me withdraw my money. The options they give me to " verify my account '' are all broken. I do n't see why they are able to accept my deposits, but then prevent me from withdrawing my money. 

I made withdrawals from my paypal account to my paypal prepaid card in {$300.00} batches since that was the most I could do per day. This option is clearly/encouraged by the paypal prepaid card as a valid way to fund my prepaid card, that is, direct transfer from my paypal account into my paypal prepaid account. 

All I want is to access my account to get access to my money. Paypal has been holding my {$500.00} hostage since XXXX/XXXX/15 and I am very upset about that.
I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.
Weinberg mediation group continues to call me even after sending them a letter asking for a validation debt letter. I also sent them a Cease and Desist letter. 

Weinberg Mediation Group XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
I was signed up for the Wells Fargo Identity Theft Protection Plan on XXXX XXXX, 2010 and I do n't ever remember signing up for this service. I am charged {$15.00} a month and it dates back over the past 6 years. I went into a Bank and the woman was rude and would n't help me or let me talk to a banker when I asked and when I called the number the man would not help me figure out how I was signed up for the service.
Account Number account : Bank of America car loan XXXX Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Disputing inaccurate late charges posted o Bank of America has inaccurately claimed I was late 30 dates late in XX/XX/XXXX/ XX/XX/XXXX. Again this was disputed with all three bureaus and CPFB and no communication / proof has been sent that I was late. Please remove the mistake from all three bureaus.
Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.
This is the company that is calling us each and everyday. Three or four times a day. 

Regional Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Phone : ( XXXX ) XXXX We have all ready told that we have a lawyer to help has filed for Bankruptcy. 

My Name is XXXX XXXX email address is XXXX XXXX
On XXXX/XXXX/XXXX I was approve for a trial modification loan with Chase for my equity loan. My orginal service manage was XXXX who told me to start my 1st payment on XXXX/XXXX/XXXX of XXXX. I questioned my 1st payment date because per my promisary note my payment date is XXXX of month with grace period XXXX. But XXXX insist I have to make my trial payments starting XXXX XXXX thru XXXX XXXX and not to make the XXXX XXXX payment, I told I would need that in writing which she said it will be mailed XXXX/XXXX/XXXX. I made my 1st payment on XXXX XXXX and around XX/XX/XXXX I was blocked from reviewing my account online, when I question why XXXX told me due to my account status I cant reviewing account and I would have to call them to get information. I did notice before I was blocked my payment was going to interest only. I completed my trial payment on XXXX XXXX I called my service manager XXXX but spoke to XXXX on XXXX XXXX to question when will I receive my permanent modification package he said usually about 10 to 30 days after my 4th payment. XXXX said just to continue to make payment so XXXX. I ask was XXXX still my service manager he said yes, I told him I have n't heard from her in about a month. I received a letter on XX/XX/XXXX saying my new manager was XXXX who I called the same day and left a voice mail XXXX. I call back XX/XX/XXXX XXXX and spoke to XXXX because I received a new modification loan package and had just completed my trial payments, she said ignor that package, and that she do show where I have completed my trial payment. She said I will receive my permanent papers XXXX to 30 days. XXXX called XX/XX/XXXX XXXX, she said the permanent papers have been completed and XXXX I should receive them next week if not call her on XXXX. I question what the loan consist of she said it XXXX loan with a XXXX interest rate monthly payment XXXX. I question the 40 years with 8.0 interest rate because the rate Im paying now is 8.8 with 11 years left in my loan. She said the loan I have now interest rate can go up to 13 %, I said my loan now is at a fix rate 8.8. XXXX said just wait until I get the paper and I only have until XXXX XXXX to sign and notaries. I called on XX/XX/XXXX XXXX spoke to XXXX about not receiving permanent papers, He said he see where the paper was prepared on XXXX/XXXX/XXXX but new mod paper was prepared on XX/XX/XXXX and I should receive them no later than XX/XX/XXXX, if I do n't receive them call early on XX/XX/XXXX. I ask XXXX if he had a tracking number he said no, I ask was the total of back payments I owe he said XXXX, balance I owe is XXXX and I 'm 98 days behind. I called back XX/XX/XXXX XXXX spoke to XXXX who gave me a tracking number. I went online to check status of tracking number which stated label has been created schedule delivery date XX/XX/XXXX. I check status again on XX/XX/XXXX which stated label created delivery date pending. I called XXXX spoke to XXXX on XXXX/XXXX/XXXX XXXX and she said call the sender because they have n't release it. I call XX/XX/XXXX XXXX spoke with XXXX she said no one there from modication and system down
I graduated from pharmacy school in 2004 before the new Obama plan went into effect. I immediately consolidated my loans ( fed and private ) with American Education Services and have paid between $ XXXX for the last 12 years. I never got any notification from the about the new plan that if I re-consolidated through direct loanI could have a different payback plan including having my loans forgiven after 10 years of working for a non-profit. I have worked at a non-profit hospital for the last 8 years. When I confronted AES about this they said there was nothing they could do for me. They said " it was all over the news ''. I asked why they did n't send out notifications to their customers years ago that this would be in their benefit. Their answer was what I previously stated. I have spend countless hours on the phone with studentloan.gov people getting nowhere. I find this very unfair that I will pay back 3 times what my initial loans were with interest and then also " pay '' for all the forgiven loans that this new federal program loan program offers through my taxes. I still have 18 years left of my loans and would almost be done if AES had been a decent business and helped their customers years back. The person who answered the phone actually told me I could n't have consolidated through them because the only company that would is Direct Loan. I said I have been paying you for the last 12 years so that is false. I feel owed something by them by missing out on this amazing federal program. I have paid them more than my original loans were at least twice and still owe 18 years of payments. THis is fraud.
My student loans was sold to FedLoan ( unbeknownst t o me ).  I 'm currently in forebearance and will be until  XXXX / XXXX / 17 , howev er, FedLoan h ave started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
I repeatedly asked for evidence from XXXX, TransUnion, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.
I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.
Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX  XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.