WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a mortgage since XX/XX/XXXX with the same insurance company since then. The service company changed to LoanCare in the past 12-18 months while everything else remained stable. On XX/XX/XXXX my insurance was up for renewal and the new servicer did not pay the bill for home insurance despite calls from me to them. As a result my insurance was dropped and I was charged XXXX $ fee for lapse in coverage. My new insurance co. began XX/XX/XXXX.  Loancare denied any responsibility for the lapse in coverage and deducted the money from my escrow account. I believe they are responsible for the lapse and then they had the nerve to charge me for their mistake.
I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.
I served my country in an  XXXX  program from  XXXX   XXXX   XXXX  and received a  XXXX   XXXX  Award. I have been trying to use this award to make my monthly loan payments, and had some success doing this in  XXXX  making  XXXX  payments between  XXXX  and  XXXX , with the last successful payment being  XXXX   XXXX . Although these payments tended to take eight or more weeks to post to my account they at least were posting, and  XXXX  was accepting them. Things began to change in  XXXX . I have made payments each month of  XXXX  most of which are not being posted to my account.   Because of the late delay between my payment and then posting it to my account, I have been making payments exa ctly 4 week s in advance to their due date in an attempt to avoid a past due account.     These are the following dates in  XXXX  that I have made an  XXXX  payments :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Unexplained refunds given back to   XXXX   from Navient :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Navient claims to have received payments posting on the following dates :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00} When I contact Navient regarding this they tell me that it is simply because the money was never sent to them or received. When I speak to  XXXX  they are able to provide me with a check trace that confirms they did indeed send the payment and that it was accepted by my loan servicer. Each company tells me to contact the other one and says that it is out of their cont rol. Navient asks me  to provide things to prove my case that  XXXX  says is outside their policy to provide to me. Neither party can explain to me why my payments are being refunded after being accepted by the institution. My account is now {$770.00} past due and I am being harassed morning, evening, and night  by debt collectors for something that I have already paid. They do n't want to work with me and figure out where the money I have already paid them has gone, they just send me to debt collection and ask if I want to do forbearance or apply for an income based loan repayment. I just want to be able to use the money I  earned by working hard to serve this country to repay my loans.
am filling a complaint against Bank of America , NA for the deceitful, dishonest, lies and corrupt, method which They unlawfully auctioned my property on XXXX XXXX, 2016 it was an illegal sale, It has gone back to their XXXX XXXX I found very serious violation in the process of transfer of my loan there was no Assignments, Substitution or Substitution of Trustee ever recorded in the County in which my property is located. it clearly states in the California Civil Codes Regulation proper recording of documents
Been long time good customer with XXXX XXXX since 2011 and was charged annual fee of {$45.00} my account has been paid off for awhile, I do n't even use this card. I noticed the charge called asking them to waive it for me and neither the customer service or manager would do anything for me so I closed the account. Very upset I have to pay this {$45.00} fee when I was just charged and not even going to use the card because I closed the account. NOT HAPPY!!!!
I received a letter dated XX/XX/XXXX from Nationstar that were declined HAMP Tier 1 stating Property not owner occupied and HAMP II stating that ineligible mortgage. Standard Modification - Declined reason was ineligible borrower - XXXX or more rental properties or borrower is not natural person. 
Under the Tier II, HAMP is available for a " rental property '' which id defined as property that is used by the borrower for the rental purposes only and not occupied by the borrower. The reason Tier II " ineligible mortgage '' and the following were listed as reason as to why the loan did not meet " your mortgage loan was originated after XXXX. That was wrong. The mortgage for the property loacated at XXXX XXXX XXXX XXXX, XXXX NV XXXX originated on XXXX.
I received a Garnishment letter from my HR department for a garnishment for a item that is in collections. I was not aware of this item and never received any summons or judgment in order to fix this before garnishment.
Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.
Good Afternoon, I have 30 years mortgage loan ( Loan # XXXX ) with XXXX XXXX  XXXX  XXXX , XXXX. 

For the pasts five year, I have been making payment to XXXX XXXX for time manner. Unfortunately the Loan was sold to Penny Mac. By law, the new owner of your loan must notify me within 30 days of effective date of transfer.

I have never received notice from Penny Mac Loan No.  XXXX or XXXX XXXX. 

Now I'm getting harassment phone calls from Penny Mac stating my loan is default.
This is a deb for the person named " XXXX XXXX '', but my name is " XXXX XXXX ''. Somehow they put this debt to my social security number. I never lived in that apartment that generated the debt. Called the debt collect within 30 days of receiving the debt in 2014, but they were very rude.
Paypal is inappropriately hold my money. This has happened on the last two transactions for 21 days. Transactions on XX/XX/XXXX & XX/XX/XXXX sales ) They claim it is for one of the following reasons : Your payments may be placed on hold in your pending PayPal balance because 1. Youre a new seller with PayPal - It takes time to build history to demonstrate a pattern of positive buyer-seller transactions. By building a positive selling activity, your funds may become available immediately.

2. You have performance issues or a high rate of buyer dissatisfaction or disputes - The percentage of refunds, disputes, and chargebacks compared to sales on your PayPal account seller performance. Having performance issues increases the likelihood of received funds being temporarily unavailable.

3. The payment you received may be considered unusual for your selling pattern - You may be selling higher risk items such as tickets, gift cards, electronics, or travel packages. Unusual sales activity could also include a recent spike in sales, a change in average selling price, or a change in business model or type of item being sold. Also, if you had been selling on XXXX but are now selling off XXXX, this would be new activity. 
4. You were previously an inactive seller - You may not have sold something for a while and you have now begun selling again.

5. Youve been selling for a while but opened a new account - If youre an established merchant, but opened a new account, that account will be eligible for holds until a good history is established.

However, not one of these reasons in valid for the following reasons : 1 ) I have been using Paypal for over three years so I am not a new seller.

2 ) In the three years I have used Paypal I have NEVER had a complaint filed against me.

3 ) I have had this amount & similar amounts the entire time I have used Paypal.

4 ) Obviously, this doesn't apply as I have been selling on Paypal since I opened my account.

5 ) I haven't opened a new account & have been consistently using this account.

Please help me resolve this issue.
I am asking you to open an investigation against the TransUnion credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
TransUnion is putting in the credit system that I have an account with " XXXX XXXX XXXX XXXX XXXX XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from XXXX and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my account {$270.00} TransUnion has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
TransUnion is committing a violation by : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX. 
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. 
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.
Accounts XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
I have a mortgage with Ocwen Loan Servicing on a house in XXXX Louisiana. XX/XX/XXXX, XXXX Louisiana experienced massive flooding. My house in XXXX was flooded. It took me several months to secure a disaster relief loan, but I finally recieved XXXX and began to renovate the house. Today ( XX/XX/XXXX ) my contractor called me to state that he could not get into the house because a company called XXXX put lock boxes on the doors to the house!! I called XXXX and found out that they are a restoration company and a subsidary of Ocwen Loan Co. They claimed that they have been going by the house and it is " unoccupied ''. The house is unoccupied because it is being renovated by my contractor after being flooded! I am currently 2 months behind on my rent due to extenuating circumstances, but I will fully catch up this month. Ocwen has violated the laws in several ways 1 ) They NEVER contacted via email OR mail to ask me the status of my property. 2 ) They house is NOT in foreclosure. It is still my legal property and they had no right to put any thing on my property without my consent 3 ) The house is not abandoned, it is actively being renovated after flooding. 4 ) I am simply two months behind, they have NO RIGHT to do anything to property that is not legally theirs.
I noticed on my check that only {$170.00} is being taken out of my check for Child support, this is not the full amount that is to be deducted. The actual amount is {$340.00}. When I transferred to XXXX from The XXXX, I switched from getting paid twice a month to once. This has caused me to receive a lot of late payments to XXXX County Department of Child Support Services. My credit score has dropped more than XXXX points because of this. Is this something that can be corrected? 
I worked very hard to improve my credit score just to have some computer error and negligence of filing paperwork on time dramatically drop my score. I never had a late payment. 
In my documents you will see copies of check stubs from when I worked for XXXX and some from when I transferred to DGS in XXXX/XXXX/2014. I worked for XXXX since XXXX/XXXX/2005. You will also see a copy of my credit score before it dropped, and emails to Human Resources Dept. In the emails you will see that I was trying to correct this error.
please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the XXXX XXXX account number ending in XXXX from XXXX of XXXX i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
Hello, I 've been on a repayment plan with Navient for my private student loans for over 2 years. In XXXX, I lost my job and since XXXX, I have n't been able to pay my loan. 

Navient has refused to work with me regarding my unemployment status. During a conversation with them in XXXX, they told me there was nothing they could do as my account had used up all of my 24 months of forbearance. Then in XXXX, again they told me to pay them over {$1000.00} in my past due payment or risk being kicked out of my repayment status. 

Then just last week, in XXXX, they reported me to the credit bureaus for 3 months of nonpayment (! ) Wrecking my excellent XXXX XXXX and again, repeated the ridiculous notion of paying them over {$1000.00} in payments ... WHEN I HAVE NO INCOME! 

I do n't know if they 're purposefully being negligent, trying to force me to default, but I have to assume they are handling this account with some sort of violation of my consumer rights.
XXXX XXXX TV service is attempting to collect a debt I do not believe I owe. I signed up with XXXX XXXX TV service in XXXX when I moved to a new residence. In the past 2 years, XXXX took over for XXXX in my area, and took over my TV and Internet service. I became dissatisfied with the service of XXXX, and called to cancel my service. I had already signed up with a new company to avoid interruption, and when I talked to XXXX they told me you can't cancel mid-month. I did not think this was accurate, as I had signed up with XXXX and the policy was no contract, cancel at any time. When I mentioned this to a member in billing from XXXX, they told me I would be credited the amount back from the day I told them I was canceling. ( This document is attached to this complaint ) I started receiving bills for a full months amount, even though I called in to cancel on the morning of the 3rd day of the billing cycle. I called to inquire, which I was told they do not prorate monthly bills. I sent in a check for {$34.00} to cover the 3 days I used of the billing cycle, along with a letter stating if they cashed the check they agreed that this was final payment on the bill. I also sent in a letter stating my case and a copy of the conversation with the billing person saying I'd be credited the portion of the month after I canceled. The check was cashed, and I didn't hear anything for almost 2 months, when a credit collection agency contacted me. The credit agency is Credit Control ( XXXX ), told me I owed {$170.00} ( roughly ) remaining on the account. I explained my situation and said I wanted to dispute the debt. After about 2 weeks, the Credit Agency called me back again saying XXXX was not going to change the amount they say I owe, and did not have to accept my payment as final payment because they did not sign a credit release form, or something like that. I told the Credit Control agent that I needed to think about what to do, after they told me it would go on my credit report starting Sunday XX/XX/XXXX. I think this is pretty raw deal for me, I don't believe that a company changing a policy after I signed up for something, without direct notice is fair. If they don't need to accept my payment as final payment without signing something, I certainly don't think it's fair to let them change their terms of service without having me sign in receipt of the changes. I certainly did not sign up for a contracted service, for them to enforce that later on is wrong. I've done everything I can to right this, I have chatted multiple times with the XXXX billing department, twice with the Credit Control agent, and written into XXXX. I paid a fair portion of the final billing cycle, included the text of the chat with their agent who told me I wouldn't be charged for the portion of the month after I called to cancel. XXXX changing the policy of the plan for which I signed up without direct notice of changes not buried in 200 pages of fine print is not fair to the consumer.
I contacted Spectrum Cable in the beginning of XXXX XXXX in regards to an old outstanding debt I had with XXXX XXXX XXXX, which they now own. The XXXX representative told me that since merging with XXXX they eliminated their collection dispute department and that if I wanted to pay a lesser amount then what they had listed as owed, I needed to contact the collection agency who held my debt, which is Credit Management, out of XXXX, TX. I contacted Credit Management and told them that I would agree to pay the amount owed for past due services which was {$320.00}, but I was unwilling to pay the additional {$420.00} XXXX was looking for lost equipment as I attempted on multiple occasions to return the equipment and the pickup 's I scheduled were ignored and went unfulfilled. The representative at Credit Management stated I would have to put the request in writing and they would send it to XXXX to see if they agree on a lesser amount, which I did. On XXXX, rather then respond to my request to pay a lesser amount, Spectrum contacted Credit Management and withdrew the debt. The collection agency stated that I would need to contact Spectrum to see why the debt was withdrawn after I offered a lesser payment amount, as the debt was withdrawn but listed as " not satisfied '', meaning the amount is still owed. I called Spectrum today, XXXX/XXXX/XXXX, and they stated that they have no idea why the debt was withdrawn and that it will take an additional XXXX business days to get a response as of why. I feel like Spectrum had misinformed me in the beginning process and now that I have offered a lesser amount through the collection agency, is attempting to prolong the process and offer misinformation in the hopes I will give up and pay the full amount the feel is owed. I have stated on numerous occasions that I am trying to pay the debt off to obtain credit financing for a home purchase, and it seems like I am being taken advantage of.
I found inaccurate information on my credit report and set my disputes in to all XXXX major credit bureaus. With my letter I included my ID, SSN and proof of address. The date of the bill was for XX/XX/XXXX. My dispute was dated for XX/XX/XXXX ; I had not received my bill for XX/XX/XXXX yet. In the response that was received by TransUnion, it states that my bill is unacceptable. In the list of what pieces to send TransUnion, it states : ID, SSN and proof of address. That is exactly what I had sent. It is my belief that this is only a stall tactic, which is a violation of my right to dispute inaccurate account pursuant to the FCRA. The bureaus are known for this and although it may work with someone else, I know what I am doing and will not allow for this to happen. I am uploading all of the documents that I originally sent to them and will include this complaint with my letter I am sending to TransUnion tomorrow. I expect for TransUnion to process my disputes according to my rights afforded to me under the FCRA.
I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX.
The Lender is BOKF NA  DBA  Colorado State Bank and Trust  (    CSBT ).
CSBT is overcharging for PMI and adding costly cancellation-related   fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule.     PMI was to be automatically cancelled on   XXXX   XXXX  2017    per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is   XXXX   XXXX  2017    ''.     We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of   XXXX   XXXX  2017   .      CSBT  did not automatically cancel PMI on   XXXX   XXXX  2017    per our contract. When questioned, it was state d by CSBT that  " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers  Price Opin   ion. This is additional to the extra PMI we are currently still being charged, {$230.00}.
CSBT is failing to honor the contract and acting very " matter of fact '' aga  inst honoring the contract.