WillisBack/dataset-financial-user-claim huggingface dataset:
Campus Partners handles a loan I made thru XXXX University. I thought the loan was paid in full because I was making payments for several months without any getting any statements. 

Yesterday, XXXX/XXXX/17, I ran a credit report and discovered there is about a {$500.00} balance. I went to the Campus Partners ' website and it showed I have been sent to collections and that my mailing address is invalid. I called Campus Partners today, XXXX/XXXX/17, to try to get this cleared up and resume payments. I spoke with XXXX. Campus Partners refused to give me any information and said I have been sent to collections. They stated my address is invalid. They gave me a phone number to call and would not provide any assistance or any any questions. They also said I need to go to the post office to fix my address issue. 

I have received nothing in writing, no email, no phone call or any information about the status of my loan or the current balance. I have been at my home for over 13 years, no contact information has changed. I have had the same email and phone number and address. I went to Campus Partners website after I called them today to confirm again and the notice of the invalid address is now gone, and I still can not get any information. 

I have had no other difficulty receiving information from other companies and have excellent credit and have never been late on any payments. 

I have not received any notice of a current balance ; No notice that my payments were behind ; No notice that I have been sent to a collections agency, or a validation statement from this collection agency. Campus Partners could not tell me the last time they even sent me a statement. I was told my only recourse was to write a letter to a XXXX and again to go to the post office. I told Campus Partners I was going to report them. 

The actions of campus partners is unlawful under the Fair Debt Collections Act and wrong. I have screen shots of my address showing as invalid yesterday and now today ok after calling ; showing they went and changed my account information. If my address is invalid why are they changing the status on my account after I called. I also have a stack of statements from Campus Partners to my address, showing that I can receive information from them in the mail. I have also included a screen shot on my payment history from XXXX. 

I want to continue to make payments on my student loan. I want my credit cleared and I want to prevent this from happening to other people. I have n't moved, avoided payments or done anything wrong. I should n't have to pay late fees or have my credit rating impacted my their poor practices. They need to be investigated.
This account has been removed from my report between XXXX but was reported in XXXX of 2016 by the creditor. My complaint towards Transunion and XXXX XXXX is that they have reported an account that was removed completely from my credit report. My understanding is that once something is removed, which the team at XXXX XXXX XXXX has accomplished, it can not be reported again. Perhaps my understanding of the rules that govern these affairs is too literal, but I do not feel that their reporting is accurate or allowable as they report the account as newly charged off monthly with continued late payments long after the vehicle was sold at auction and the account was charged off.
On XXXX XXXX, 2015 I booked a move with a company that I discovered had fraudulently claimed to be XXXX XXXX XXXX and was instead a broker. They failed to disclose the cancellation terms but I ultimately found them and cancelled the contract within HOURS of the charge to my Citi credit card. Initially Citi credited the amount but when the company responded with fraudulent documentation ruled the charge " valid '' but never informed me. It was n't until the card was declined on XXXX/XXXX/2015 and I logged in I discovered they had reversed the credit based on the false documents but had never informed me as the consumer holder of the card. It was n't until I complained they never notified me that Citi sent partial documentation to me of their alleged " investigation '' of my dispute. On XXXX XXXX, 2015 I filed a second response to the original dispute and called Citi the next day to confirm receipt. I was assured they would resolve it before the balance reported again which did NOT happen. To date I have heard NOTHING regarding this dispute. I used their secure message feature and got a canned " we are working to resolve your dispute response '' but now Citi has reported 117 % of my balance and the dispute as resolved though consumer disagrees to the bureaus which has destroyed my credit score. All attempts at contact with Citi are not returned and the investigator assigned to the case is now out on leave from the beginning of XXXX until XXXX.
We mortgaged a home at XXXX XXXX XXXX XXXX in XXXX, South Carolina. We took out a reverse mortgage which was serviced by RMS ( Reverse Mortgage Solutions ). We put our home up for sale in XX/XX/XXXX. We decided to build a new home nearby. When it was time to occupy the new home, XX/XX/XXXX our XXXX XXXX property was not sold yet. We called RMS to tell them that we were moving out of XXXX XXXX and the property was still on the market. We were told that if the property was not sold in 12 months then RMS would take the property over. This is something we knew before we made this move.

After that we were the recipients of some startling events. Twice there were ominous notes taped to our front door stating that this property was determined to be abandoned or vacant. The note said to contact XXXX XXXX XXXX XXXX about our mortgage. Even though we did not have any relationship with this bank I called the number provided. I was told that they had no loan with us and there must be some sort of a mistake. 
There was also a vendor phone no. I called that no. and asked them about the note. They said that they did not authorize that process and someone must have put the notice on our door by mistake. 
Then I got a call from an appraiser who wanted access to our home. He said that the reason was that the mortgage company had declared bankruptcy on our behalf and that the bank was taking the property over. I checked with RMS. They claimed that I told them we were abandoning the property. Once they understood that was not the case, we thought everything was going on as usual. 
At the closing when we sold XXXX XXXX on XX/XX/XXXX there were some charges added to our payoff. The two signs posted on our door cost {$20.00} each, an appraisal for {$400.00} was charged to us, a property inspection fee of {$740.00} and a title examination fee of {$380.00} were charged to us. I called RMS on XX/XX/XXXX, the day we got our payoff statement, and asked them about the fees. I asked why these costs were accrued in the first place. The answer was that RMS authorized them " because we could ''!

I was told by RMS that I could protest the fees by sending them an email.

I have consulted with my real estate attorney and he recommended going ahead with the sale and protest the fees after the closing. He did not offer any other suggestion.
On XX/XX/2018 at XXXX XXXX I received a threatening message and voicemail from XXXX XXXX from the company Northwood asset management group in XXXX New York from phone # XXXX. The message also left the return number of XXXX reference number XXXX. This message included a family member and myself.
They called again today XX/XX/2018. Twice. After they called more than 3 times yesterday. Lied saying they were not a collection agency, But when I called the number back the automated greeting was XXXX XXXX XXXX XXXX.  They were rude and harassing. and I intend to look more into the legal laws about the calls. 1 man I spoke to even suggested they had gotten people fired for their the way they were talked to, and processed to threaten about finding the owners and contacting them.
Woke up to a collection on my credit report from Commonwealth for {$1200.00} on my XXXX. They never sent me any notification of this debt of what its for or allowing me the opportunity to dispute it. They broke the law and violated my consumer rights.
Called Experian and asked for a freeze on my credit report. ( Actually I asked that they delete all information about me and please forget that I exist. They said this was not an option. So Then I requested a freeze on my report. ) They said they were unable to assist me today after correctly verifying my identity.
The agency calls every day. Today I was able to answer the call. The representative XXXX explained who they were, what they were attempting to collect and asked me to verify the last four of my social. I did. I asked for proof or something in writing of what they were collecting. She stated that a letter was already sent out. I asked her to send it again as I never received anything. She asked for my address while I requested her to send it again. I asked her to stop talking over me and she hung up. I called back, explained I was disconnected and this time I was talking to a XXXX. XXXX again explained who they were and what they were attempting to collect. I explained that I wanted something in writing proving what they were collecting and who it was for. She said that she would let the consumer know I was disputing the collection. I told XXXX I was NOT disputing anything but simply wanted something in writing. She started yelling at me, telling me to pay my bills and to stop taking out loans that I can not afford to pay back. She repeated it over and over. I asked her to stop harassing me. She continued to repeat it. She said that she was going to put that I was disputing the claim even though those specific words never came from my mouth. She said she assumed that I wanted to dispute the claim and that she wasn't going to waste her time sending me anything in writing.
I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.
XXXX XXXX. 

When i signed up for the school they promised top of the line class education. I graduated from XXXX School with a XXXX GPA. How can I get XXXX in college. The classes were kindergarden education. After graduation they also promised career placement. I went to several jobs and they were all sales jobs. Nothing to do with XXXX or XXXX. Im still trying to pay these loans.
I called XXXX and Equifax, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
I have been with Dovenmuehle Mortgage Inc. since XXXX. Every since they have bought my mortgage it has been nothing but problems. Example - payments been placed on the wrong months not getting a positive response from the company about the matter. Then getting to run around repeatedly about my payments. I have filed a complaint before with cfpb about this same matter. I have contacted other agencies also no one is doing anything about this crooked mortgage company and they are getting away with it.Now they are trying to take my home. When they were contacted by you CFPB, they sent me paper work where the dates or payments were n't right and did n't add up. All it was was a lot a paper with the logo and incorrect information on them. I have seen on this very website other complaints about this same mortgage co. and home owners payments. WHY??? is this company able to get away with this i do n't know. i have proof of all my payments from being to end. The mistake was Dovenmuehle and they have yet to fix it and will not fix. They say they have fix it but that 's not true. Now they are trying to charge me more money Late fee etc. and have yet to fix my account. Now they want to take my home
Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through Credit Karma, XXXX, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?
In XXXX my XXXX XXXX XXXX XXXX credit limit was reduced from {$5500.00} to {$2800.00}, after being with the company for so many years because they said I was not using my card enough. I had in XXXX a credit balance available of {$3200.00} to spend. In XXXX my statement came with a credit balance of {$540.00} available for use. This is unfair because it affects my credit score negatively, because now all of a sudden I have a very high balance with XXXX XXXX as well as affecting my purchasing power. now I am unable to make major purchases after years of reliance on XXXX XXXXXXXXXXXX XXXX promise. When I signed up for this card I was not told that this was their policy, and if it is, it should be forbidden because it negatively affects consumers who try to maintain a decent credit score in these very tough economic times. I have spent over the years more than {$10000.00} with XXXX XXXX XXXX XXXX, I never expected this!
Navy Federal Credit Union is reporting a line of credit/installment loan to XXXX and XXXX credit bureaus that I NEVER opened. They are reporting that I opened the account XX/XX/XXXX to XXXX and reporting to XXXX that I opened it XX/XX/XXXX. THEN they are reporting that the 1st delinquency as XX/XX/XXXX, AND that it was charged off in XX/XX/XXXX. AND they are reporting it was reviewed for 20 months on XXXX -- HOW could it have been reviewed for 20 months when they are trying to say I opened it XX/XX/XXXX yet it was charged off XX/XX/XXXX? I did NOT open this account in XXXX period. I have disputed it with the credit bureaus and I sent a certified letter to Navy Federal Credit Union which they rec 'd on XX/XX/XXXX. ( See attached ) They have since verified the account with the credit bureaus and they have not responded to my letter.
We are filing a CFPB complaint against Wells Fargo Mortgage. Our firm is actively representing Ms. XXXX XXXX in an active Chapter XXXX Bankruptcy. The purpose of the bankruptcy filing was to stay a foreclosure sale date and to save Ms. XXXX XXXX 's home. Since the bankruptcy filing our office has been communicating with Wells Fargo in an attempt to consummate a loan modification. 

Wells Fargo is refusing to review Ms. XXXX XXXX 's loan account for loss mitigation assistance. No valid reasons are being provided for Wells Fargo 's refusal to comply with our requests. Please review the attached correspondences we have sent to Wells Fargo in an attempt to initiate a loss mitigation request for assistance. The below timeline should help you understand the situation : XX/XX/2018- An application for loss mitigation and all supporting documentation was submitted to Wells Fargo XXXX 
XX/XX/2018- Wells Fargo responds stating the loan can not be reviewed for assistance due to account standing and history without providing additional details. 
XX/XX/2018- Under the Consumer Financial Protection Bureau our office requested the specific reason or reasons for servicer 's determination.

XX/XX/2018- Wells Fargo responds by stating they will not review the account due to prior decisions. 
XX/XX/2018- Our office requested a detailed loss mitigation application history and determinations made on the account.

XX/XX/2018- Wells Fargo responds accordingly however they fail to cite a policy or provision that prohibits borrowers from applying and/or obtaining loss mitigation assistance more than once during the life of the loan.

XX/XX/2018- We inform Wells Fargo that they have violated the Consumer Financial Protection Bureau guidelines by failing to provide borrower with foreclosure protections more than once over the life of the loan. Specifically, the new rule requires that servicers provide loss mitigation assistance again to borrower who have brought their loans current at any time since submitting the prior complete loss mitigation application. We have proved that Ms. XXXX XXXX brought her loan current since submitting a prior complete application. Please see letter for additional details. 
XX/XX/2018- Wells Fargo unable to grant request.
Note : this issue relates to an active offer to purchase a short sale property. 
1. A townhouse XXXX XXXX XXXX, # XXXX was listed for sale in XXXX 2016. We made an offer for {$400000.00} for this property through a realtor and was accepted by the seller in XXXX 2016. 
2. We understood then that this property was a short sale and required approval from the bank. According to the realtor, public records indicate the mortgage was taken by the seller through Bank of America. 
3. Since XXXX the bank has been going through its approval process. 
4. During the process they requested loan approval letters and financial documents three times from us. 
5. We were told by our realtor the final hurdle was a BPO for the property to be conducted by the bank. 
6. Per your communication the BPO was calculated to be {$410000.00}. 
7. The realtor then informed us that the bank wanted additional {$10000.00} from the seller in order to close the deal. 
8. We informed our realtor verbally that we were willing to increase our offer to match BPO amount making our offer {$410000.00}. 
9. Two days later in a phone call to our realtor, the realtor mentioned that the bank wanted an additional {$40000.00} without any explanation as to the reason for the increase. 
10. On hearing this increase, we requested a formal response or explanation for this increase as it was way above the assessed value/BPO ( conducted by the bank ) of {$410000.00}. 
11. We were not given a response. Our realtor suggested we cancel the transaction as 'there is nothing else we can do '. We do not understand why we are being requested to cancel or withdraw the transaction since we are interested in the property. We do not understand the increase in the amount from {$410000.00} ( BPO amount ) by another {$40000.00}. 
12. We suspect there is a foreclosure/short sale scam going on in the sale of this property. We have not been given an explanation from the bank or sellers agent as to the status of our offer that was previously accepted by seller and is the same as the bank assessed value of this property. 
13.We would lrequest CFPB to look into the short sale status of this property and help us understand if what the bank is doing is legal or if there is a foreclosure scam preventing us from getting this property.
My ex husband had taken out 2 mortgages with Own it mortgage. When we divorced i was awarded the house. The loans were only in his name. This company went out of business and XXXX XXXX acquired the bigger mortgage. And then XXXX loan took over. I was ready to close on the refinance. ( I 'm listed on title only through a quick claim deed. ) When the 2nd mortgage showed on title, No one at my bank, the county, or at the current lender could tell us where the loan went. It was not showing on his credit report or on title. Nothing had been filed. We had not received anything from them, so we assumed it was consolidated into the first mortgage. We have been working on this for approximately 3 weeks when I decided to open up my own escrow and purchase a title report. We sent that report to XXXX and the discovered that it was sent to collections. Dyck O'Neal Inc at XXXX. He spoke to a rep there named XXXX who told him that since it was there for over 10 years that they had charged him interest at the sum of XXXX and the original balance of {$10000.00}. This account does not show on his credit report. They have not tried to contact us or him in 11 years. No one could find it?? The XXXX report shows the account inactive. One surprise after another keeps popping up for this loan. The mortgage is under my ex, XXXX XXXX. Ss # XXXX. His ph # is XXXX. The rep at this collection company wanted to know how much the house appraised for and how much money I was getting back to assess the amount, if any, of interest they MAY take off. I do n't think that 's any of their business. Seems shady to me. XXXX has all the copies deeds, title documents, etc. I do n't feel that 's right to charge that interest If you 've never attempted to collect it or not filed the correct documents with the county. They wo n't tell him what lender even submitted it to collections. So ..you are our last resort. My name is XXXX XXXX. My ph # XXXX. Im not on any of the loans. You can contact XXXX or myself. Thank you
EGS Collections, used data mining to find relatives and in laws, and called them, and informed them that I had a civil action against me for bad debts, ( all False ). After I communicated to them ( EGS ) That I had an Attorney, to discontinue calls they continue to call my employer, my wifes employer and her family giving them false information.
On approximately XX/XX/2016 I was contacted by a person who claimed to be a courier. He stated he had an important paper for me. When I asked what he stated " maybe a summons '' I asked who he was delivering it for and he provided me a phone number. I called the number and spoke to a representative who stated that they were a pre litigation company and were contacting me to see if I wanted to pay the bill owed to XXXX . He further stated that he worked with an attorney in the office who represented XXXX and that he would see if they would take a settlement. This representative never informed me they were a debt collector and that they were attempting to collect a debt. They stated that XXXX may still want to take me to court even if I paid. Fearing a lawsuit I paid them {$980.00} with a credit card. The representative further stated that they would send me a letter to submit to the credit bureau 's to have the charge off removed by XXXX. When I did this the charge off was not removed. I called XXXX and they stated that they had sold the debt to Blackrock and that the charge off would remain on my credit bureau for 7 years. I paid Blackrock under the believe by their statements that they were attorneys planing to sue me and that by paying the debt I would have the charge-off removed from my credit report.