WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for BKXXXX on XX/XX/2018 and I called on XXXX  XXXX  to make the payment and they told me the BK department was gone for the day and they could not accept my payment i called back and asked them to back date my payment for XXXX  because it was their mistake and they told me they would and I trusted them to do so. I again clled on XXXX  XXXX   to make my payment and they told me again that they could not accept it so I clled on XXXX  XXXX  ( i was unable to call on the XXXX  due to business travel ) and now they tell me they are filing MFR, I told them that they refused to take my payments for the months referenced. I need them to post them for the correct dates and have the MFR not filed. They should also train their employees for dealing with BK borrowers Please Help
Midland Funding, LLC amount of {$7700.00}. I have disputed and sent XXXX, Equifax and XXXX   copy of court document showing that case under Midland Funding, LLC was dismissed and I am to pay nothing. I also sent a police report
I have disputed many times inquires on transunion, XXXX and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
In XX/XX/2014 I made a {$10000.00} lump sum payment towards my student loans. When I made this payment, I indicated, online, that this would be applied to all loans. Instead, the payment was only applied to XXXX loan, and the rest went into delinquency. 

When I was contacted ( after accounts were put into default status ), I explained my situation and the representative reapplied my payment to cover all loans and bring my account up to date. 

When I saw these missed payments reflected on my credit score, I tried many times to get them removed. I still have these missed payments on my credit score, and it is a massive impact to my score and my life. 

In light of the new federal lawsuit against XXXX, in which XXXX of the allegations is XXXX misapplied payments and another is XXXX misreported missed payments to the credit beuraus, I believe my loan servicer, FedLoan Servicing, is guilty of the same thing with my account. 

I want the missed payments removed from my credit score. I also believe FedLoan Servicing cost me in terms of interest and fees by misapplying my {$10000.00} payment in XX/XX/2014 and was negligent in fixing the issue.
I tried to resolve a dispute regarding a deposit charge that was supposed to be returned to me from a XXXX XXXX XXXX car dealership. Per the agreement submitted to the CapitalOne credit card company section 12 this deposit was supposed to be returned if the sale of a used car did not go through. This was acknowledged by Capitalone and discussed in detail with a fraud supervisor named XXXX in a recorded conversation but the CapitalOne company still did not reverse the charge and claimed the decision was not up them but with " either XX/XX/XXXX or XX/XX/XXXX ''. Capitalone did not live up to its Agreement to have protection from false billing as it claimed when I signed up with the company as a client.
I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX , Equifax, and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
New Century Financial filed a judgment against me on XX/XX/XXXX at the XXXX. # XXXX. This judgement is now displayed on my credit reports ; XXXX, XXXX and is still causing damage to my credit. I was not served properly of this notice of judgement in XX/XX/XXXX. Second, I contacted XXXX on on XX/XX/2016 to set up a payment arrangement because XXXX Credit Bureau told me they are the owner of my account. After doing some research and finding this firm was Sued by CPFB for XXXX for making false false or empty allegations about consumer debts, Filed lawsuits based on unreliable or false information, Harassed consumers with unsubstantiated court filings which I am now a victim of. Since I filed a complaint with the CPFB ( Consumer Protection Federal Bureau, I just received a letter from them stating the they " previously advised, me that XXXX is the new owner of the judgement after being reported to CPFB. XXXX has now sold my account to another third party. XXXX is now telling me if I do n't keep my arrangement I will be responsible for addition filing and court fees. XXXX also states that they do not report judgements or law suits to credit bureau agencies which is not true.. 
I want this judgement removed from my credit report because I was improperly serviced, the number to the court where the judgement is filed does n't exist because I tried calling it to verify this information. Every thing about New Century and XXXX action does n't feels right. 

Therefore I am going to follow up with legal counsel about this matter concerning my legal right sue. Beside I am on XXXX with a fix income how would I be able to afford these outrages fees that these firm are forcing on me.
Again Mr. Cooper has scheduled a foreclosure sale on my house for XX/XX/XXXX. Mr. Cooper is a registered mark service for Nationstar Mortgage still operating it's business as Nationstar Mortgage. Severally in the past Mr. Cooper asked me to submit same documents over and over again which were immediately submitted but were not utillised for the purpose intended that is to modify my HAMP Loan modification I applied for in XXXX. Instead Mr. Cooper engaged in telling lies, made false statements, gave deceptive information and bogus figures that could not be substantiated. Also, Mr. Cooper tried very hard to steer me away from the HAMP Loan Modification I applied for in XXXX. Mr. Cooper never conscientiously try to help me modify my loan so that I could stay in my house. Instead Mr. cooper engaged in looking for any rabbit hole it could find all in an effort to justify itself why it could not modify my loan. Is even more so now not giving me any justifiable reason or reasons why my house is scheduled for foreclosure sale on XX/XX/XXXX. It is obvious that Mr. Cooper 's goal is to sweep my HAMP Loan modification I applied for XXXX under the rug. Mr. cooper can not unilaterally resolve my HAMP Loan Modification because The HAMP Modification Program guidelines specifically stated to  resolve a loan under the Program it has to be bilaterally resolved and not unilaterally resolve. To do so is a violation of the HAMP Loan Modification Program guidelines. Also, Mr Cooper again is violating the Virginia Bankruptcy Law by repeatedly touting me with a voluntary payment in the amount of {$460000.00} which is illegal. I filed for bankruptcy in XXXX and my wife filed for bankruptcy in XXXX and both were discharged. XXXX XXXX XXXX XXXX in it's letters six of them, context the same that I received on XX/XX/XXXX said please find enclosed advertisement as published in XXXX XXXX XXXX. In all six foreclosure sale letters I received I could not find any advertisement as claimed by the Trustees, a false claim.
Good morning, I applied for and received a total XXXX discharge for student loans. Basically, some medical conditions got worse instead of better. NAVIENT called ( several times daily ) and said I have XXXX ' signature loans not covered by the discharge. Together the XXXX ' loans total nearly {$14000.00}. I 'm lucky to have {$14.00} much less the larger total. There are MANY problems that make me doubt these loans even exist. 
THEY ARE : -- The Navient website strongly seems designed to confuse the user ( student? ). It is not at all clear what is owed, or not. 
-- Both loans indicate consignors. One of the cosigners listed is a person about XXXX and has XXXX. 
-- I answered the phone twice from Navient ; they call 2 to 3 times a day at least. They act as if they do not hear people, and keep pressing for full payment ( s ), on loans that may not exist. 
-- They mention or skim over loan assistance, but never go into detail. Navient describes how XXXX does not affect these loan types. By seen evidence, it at least can have an effect. 
-- XXXX of the loans is structured so the interest now nearly totals the principal. I am not sure I an legally prove I would never want a loan where the interest rate would make the XXXX proud, but there is 'no way ' I ever approved this. 
-- I asked for written documentation, which Navient said they would send me ; I have not received this information. ALSO any electronic signatures should have a physical signature 'backing ' it, from some point in the process. I need to see that physical signature to believe ( at least ) I am not being scammed. SINCE : It is hard to think someone may have taken my identity to get money, but these loans do not vaguely match anything I would ever do. And I do not recall them at all. 
-- SO ; even assuming these loans are real, and that is not validated, I hope to get some assistance. I want to get proof of these loans ; that includes physical signatures I have made per these loans. 
-- If I had money to give these guys, I might do it just to get rid of them, but I do n't. I could maybe come up with {$100.00} a month which would also mean eliminating a supplement insurance policy. Which would also mean skipping XXXX, so not the favorite of plans, Please assist me with this issue. XXXX XXXX
I have repeatedly disputed the accuracy of reported debt to XXXX the last 2 dates are XX/XX/XXXX and  XX/XX/XXXX The accounts disputed were XXXX XXXX reporting an {$840.00} balance and XXXX XXXX with a balance of {$490.00} which is not accurate. Therefore should be removed. They do not notify me at all not by paper letter or electronic. When I spoke to XXXX   they simply said they verified the account was mine, no mention of the balances date of accuracy nothing. My lifestyle is being impacted by their negligence to report my credit file accurately. FTC laws are suppose to protect consumers from this type of activity and behavior.
In XX/XX/2018, we were notified by Fay Servicing that we were denied a loan modification. We spoke with our representative, XXXX XXXX, and he advised us to fill out paperwork to appeal the decision and apply for a modification. We emailed and sent a copy via certified mail on XX/XX/2018 of the appeal and the paperwork. We have not received any information from Fay Servicing since by either mail, email, or phone call. XXXX XXXX said that we would receive a decision within 30 days by mail. We have not received any letter or have had phone calls returned about our modification.
Despite the evidence I have provided concerning the violations of both  Federal Law an d Florida Statutes that have been committed in the handling of the debt assigned to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -- which extend to committing mail fraud in an effort to cover up said violations -- th e 3 pri mary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute  83.39 (  a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than  two month s afterward and then feloniously intercepted it with the h elp of the Carrier for the route -- who was obligated to forward my mail on a p ermanent basis as of  XXXX / XXXX  /2016  -- in an effort to prevent me from finding out about it ).
I applied for a balance transfer with XXXX XXXX XXXX. This transfer would transition credit card debt from a " XXXX XXXX Ohio '' XXXX, to a XXXX XXXX XXXX XXXX card. I was billed for the transfer amount of {$570.00} on XXXX/XXXX/16. 

XXXX XXXX XXXX mailed a paper check for the above sum to XXXX XXXX. XXXX XXXX deposited the check but did not credit my XXXX account. As it stands now, XXXX XXXX refuses to return the funds to XXXX XXXX XXXX, and refuses to apply the balance transfer as originally requested by myself through XXXX XXXX XXXX. 

Consequently, XXXX XXXX XXXX continues to bill me for the entire transfer amount, XXXX will not acknowledge receipt of XXXX XXXX XXXX funds, and I continue to pay the debt - only now to XXXX credit card companies instead of XXXX.
TODAY, XX/XX/2018, I CALLED CUSTOMER SERVICE OF BANK OF AMERICA. I WAITED MORE THAN 45 MINS, & THEN XXXX XXXX CAME ON PHONE. SHE DROPPED MY CALL. CUSTOMER SERVICE OF THIS BANK IS HORRIBLE. STAFF OF BANK OF AMERICA DO NOT HAVE ANY RESPECT FOR CUSTOMER.THEY TREATS CUSTOMER LIKE A DIRT. I WAS VERY MUCH FRUSTRATE WITH CUSTOMER SERVICE OF THIS BANK.
XXXX XXXX and Covergent Outsourcing Inc applied a debt to my social security number for ( XXXX XXXX XXXX regarding account XXXX that was n't in my name it was in the name XXXX XXXX XXXX Not XXXX XXXX XXXX for a debt of {$660.00} to {$1200.00} upon disputing and sending police reports and identity theft affidavits and proof of residence the mailing came in ( XXXX XXXX ) and now Have My Name XXXX XXXX XXXX on them this was clearly a fraudulent account not in my name or social and is affecting my credit
I set up monthly recurring EFT payments with Navient. After my XXXX payment was processed, Navient charged me again without my authorization.
Every year around this time, Ocwen ca n't seem to get me my mortgage bill. Even after ( XXXX ) additional request for them to mail me another bill. On XX/XX/XXXX, I still had not received my mortgage bill ( due XX/XX/XXXX ) so I called Ocwen and requested another bill be mailed to me. On XX/XX/XXXX, I still had not received a mortgage bill so I called Ocwen again to request a XXXX bill be mailed to me. On the phone, I was also given the option to mail payment in with last months bill stub and I did exactly that. On XX/XX/XXXX, I received a bill that was printed on XX/XX/XXXX, 3 days after my original request. # Days to print another bill and 17 days in the mail? Still no original bill from Ocwen and I know that they will not process my check til after XX/XX/XXXX with a late fee. What a scam. I have perfect payment history and credit with all. How can this only happen with Ocwen every year. I refuse to give them my credit card or banking info so this is what they do. It is not fair and I feel that there is nothing that I can do about it. You ca n't even pick mortgage companies, they pick you!
Dear Sirs, I appreciate your attention with this matter. It has to do with a computer my daughter and I purchased from XXXX. It was found to be a three year old used computer so we immediately sent it back. They kept the computer and never refunded our money of {$330.00} After many hours of being on hold with several unsuccessful attempts to speak with a XXXX representative, we finally wrote them inquiring about the refund. They responded with a simple statement that they have now closed my XXXX account. They have given no further communication. 
We then notified Chase Dispute Department. Chase eventually denied our request. XXXX had stated they never received back the computer. Upon calling the Dispute Department as to why it was denied the representative stated our case seemed valid and suggested we reapply with a another dispute request and attach the tracking proof. This we did providing even the name of the employee who signed for it ( See Attachment ). Yet this dispute was also eventually denied. Upon calling the Dispute Department once again, as to why it was denied, this representative also felt that XXXX wronged us and suggested we again send in a dispute request. This we did and it again was eventually denied. A Chase representative, XXXX, wrote to us with this statement, " The results of my review confirm that the transaction is valid '' She continued, " Future correspondence from you regarding this matter will be reviewed, placed in your file, but no response will be sent. '' This is why we are requesting the help of CFPB. 
-XXXX clearly misrepresented there product. 
-XXXX clearly stonewalled any communication that would enable the matter to be resolved. 
-XXXX mislead Chase into believing they never received the computer. 
-XXXX has our money and we have no computer. Yet XXXX states " the transaction is valid ''. 
How is this a valid transaction? 
In the 7 years that XXXX is listed with the XXXX they have almost 3,000 formal complaints against them. Many of these complaints speak of the fraudulent misrepresentation of their products. The vast majority reflect XXXX almost complete disregard to correct any of its errors committed against their clients. Of the 22 years my wife and I have been with Chase we believed you to be a force to help protect us from fraudulent practices. We have directed our young daughter whose account is listed here to believe the same way. Please help us! Please get our money back.
Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.
This is not my account. I contact to Franklin collection and they have the wrong Ssn .I also contact the C B and asked them to verify my ssn with Franklin collection and they failed to do so.
I have XXXX hard credit checks on my credit report, one from CBNA and the other from Citibank. I have not authorized either of them to do it.
I have never applied for a card called XXXX XXXX XXXX XXXX, I have called XXXX XXXX and trasUnion and they have not given me an answer. Thank you
Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.
Bank of America mortgage department sold my loan to a servicer call XXXX without notify me or acknowledge me. Since BOA took over my loan from countrywide, they discontinued my online bill pay services. Unless I open a BOA saving account otherwise they wo n't let me use online billing services. After awhile they sold my loan to XXXX.
This is the 2nd time I have had a problem with this company.  I have brought my account current and made a payment from what they are saying before the statement ending date and I was charged a late fee because they say I have not made a payment prior to the end of XXXX.  The one I made on XX/XX/XXXX was to be applied as the XXXX payment.  This State Farm credit card is such a sham.  The lower my balance is it seems they keep trying to find a way to keep assessing charges so this balance does not get paid off.  I currently have no card and no access to credit with them.  I called on XX/XX/XXXX to ask if they would waive the late fee as a courtesy.  The rep said she couldn't because I had already had one waived.  I explained what happened.  She got off the line and I suppose inquired of a supervisor and they said no. I sent an email on the same day making a request and was given a no answer.  Obviously I made a mistake and they continue to make me pay for it. I also made a $XXXX payment just today to satisfy my requirement so I don't get hit with another one.
In XX/XX/2016 we hired a company to do stainless steel ( the most expensive ) to avoid to get rusty or need maintanance ) railing instalation. 
pictures of rusty material : XXXX XXXX  XXXX The original amount was {$20000.00}. 
We paid {$4000.00} as you can see the attachment. So even the letters that the collection company sent are incorrect since the Balance due is {$16000.00}. 
Also the rails are not up to code and we will need to pay another company to do a new one. The problem is not only the rusty. 
Check the architect message attached : The engineer-designer needs to review these and incorporate the ADA requirements. This design does not meet the criteria required by current Florida XXXX XXXX - Accessibility and the ADA. 

The company XXXX XXXX XXXX ( rail company ) installed materials that are rusty since the day they installed and have parts broken. 

I hired a lawyer, XXXX XXXX, to contact XXXX XXXX XXXX  and inform that materials have problems and we need change everything or more payments wont be done. 
XXXX XXXX XXXX didintchange the material and hired a collection company, CREDIT COUNSEL INC by XXXX XXXX XXXX to collect the money. 

XXXX XXXX XXXX : 1 ) calls frequently even being informed to contact the lawyer XXXX XXXX XXXX.

2 ) Does repetitious phone calls that are intended to annoy, abuse, harass any person answering the phone. 4 persons have been insulted by him already.

3 ) He uses profane language 4 ) He threats and screams every time so we hang up the phone.

5 ) Sometimes he calls, start to talk without telling who is and then he starts to scream and use abusive language.

6 ) He send letters with amounts that are not the correct amount that we have to pay after all is fixed.
Navient have had  XXXX  collection agency call me on a fraudulent student privet loan from  XXXX  college in  XXXX   XXXX  that I did not Authorize in   XX/XX/XXXX . These loan w as signed by  XXXX  college consolers while I was hospitalized.  XXXX  college was later closed down by the federal and state government for the practices. I have tried to get this matter taken care of and was also contacted by California Attorney general office in because of this matter about  six years ago . Navient have not only committed fraud with  XXXX  college and the lender, But have repeatedly tried to have me pay for a loan that I never approved.   My name is  XXXX   XXXX   XXXX   XXXX  Date of Birt h  XX/XX/XXXX . T hey just had a company name  XXXX  call me repeatly there address  XXXX   XXXX   XXXX   XXXX , ny  XXXX  (  XXXX   )   XXXX . If your company contact California you will see that charges and a class action was file against  XXXX   College  for these fraud.
Requested verification documents for Calvary, who claims to own the debt, and was only sent bills. I asked for a chain of title and was again only sent the bills. They will not send chain of title.
XXXX has been calling my workplace. My workplace is a XXXX. Not only are these calls an embarrassing form of illegal harassment, but they are putting people XXXX in danger by clogging up the phone lines.