WillisBack/dataset-financial-user-claim huggingface dataset:
Received a letter  on  XX/XX/XXXX  from Pe  nnCredit Corporation st ating that I owed {$59.00} for  XXXX  magazines ordered from  XXXX   XXXX   XXXX  on  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I contacted  XXXX  and after an extensive search they found no orders on my account for any magazines at any time and that my account balance was at  XXXX .  XXXX  sent me an email confirmation stating that my account balance was  XXXX . Contacted PennCredit and they insist that I still owe the money. I will return the letter they sent me along with a copy of the letter that  XXXX  sent me but obviously PennCredit is attempting to defraud me by sending me a false letter of debt collection.
I entered into an agreement with check n go on XXXX/XXXX/XXXX. I was unable to make payment that was due on XXXX/XXXX/XXXX. After I told them I was unable to, the representatives constantly called me at work after I told them I could not receive phone calls. Sometimes these calls would be 2 to 3 times daily. They also called my mother 's cell after she informed them that this was not my number and to stop calling her. The representative told them that they were looking for me for a past due loan amount. They called my mother almost every day for an entire week. I called into the office and asked that I be placed on a re-payment plan but they said that I could not enter into a re-payment agreement unless I signed a new loan contract with another check. I have exhausted my avenues in trying to settle this matter can someone help me with this. 
Thanks, XXXX XXXX
I have been trying to work with Navient to work out a payment plan that I can actually pay, and every time I talk to them they give me an outrageous amount that there is no way I can pay. After a lot of discussion and supposed misunderstandings on their part, they finally say that they can put the loan in forbearance for a few months. And If I 'm a day late contacting them or making the payment, which is still at the high payment that I 've told them I ca n't pay, they call at least once a day, myself and my husband both. The report monthly on each separate loan to the credit bureaus, a total of XXXX separate small loans. This is the third time I 've tried to work out a plan, I did n't realize until very recently that this is a common practice of theirs. I do want to at least attempt to get this paid off, but right now I have the only income, my husband is still recovering from a pretty bad accident last year, and we have the medical bills to try to pay off, too, so I do n't have a lot I can pay, but I would like to do what I can. But they just keep giving me a loan payment that is completely out of my ability to pay - which is over half of the household income - and putting my loan in forbearance, accruing more interest.
I submitted a verification letter to XXXX XXXX XXXX and received a screenshot of a statement. I informed the collection agency ( XXXX ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX and XXXX removed the said inaccuracy/ violation however Experian started that XXXX said to keep it on my credit report because they said it is accuracy. I also requested to see the document XXXX   submitted and they confirmed it's the same one they sent me. After speaking with three individuals from Experian ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact XXXX  and see if they can remove it.
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
On XX/XX/XXXX I referred my friend to apply the AMEX Gold Delta SkyMiles credit card through the link on my account page online. The referral bonus was XXXX miles. Usually the bonus would arrive in several days but I had not received until XX/XX/XXXX so I contact the AMEX representative online and was told it might take 6-8 weeks to get the bonus. I referred another friend in XX/XX/XXXX and got the referral bonus XXXX miles quickly this time. From last XX/XX/XXXX to this XX/XX/XXXX I contact AMEX representatives online for many times and each time I was told to wait for 6-8 weeks until they would finish the investigation. However when I contact them again today, I was told my reffer bonus offer was not XXXX miles but was XXXX miles per referral! Because I received XXXX miles already so that I would not get any more! I can't believe they told me this! During previous contact online I told the representatives my offer and I also copied the offer from my acount page it was XXXX miles from last XX/XX/XXXX to XX/XX/XXXX. I also told I thought the XXXX miles I got in last XX/XX/XXXX was for my referal in XX/XX/XXXX because my friend applied the card in XX/XX/XXXX got her open account bonus but the one applied in XX/XX/XXXX did not get his open account bonus either! Many of my other friends got the same bonus after they referred successfully from the end of last XX/XX/XXXX to this XX/XX/XXXX. I have been wating for about 5 months and because the refer bonus is not XXXX now that they said my refer offer was always XXXX. I can't trust them any more. That's why I ask CFPB for help.
Since quality loan response to CFPB XX/XX/XXXX various agency assisted with matter to provide new information. 
Quality Loan Servicing was the foreclosure and eviction attorney forXXXX XXXX California XXXXQuality Loan Servicing legal for eviction did not notice the court of the bankruptcy stay XX/XX/XXXXThe foreclosure XX/XX/XXXX appears to be void able based onInvalidity of notary XXXX XXXX XX/XX/XXXX foreclosure documentThe notary was unable to confirm any such document exist in notary journalCurrently my interest remains in propertyThe certified documents are being sent by certified mail to CFPB
For the past 4 months US BANK CREDIT CARD SERVICES has continually allowed unauthorized charge to my consumer credit card. Each month US Bank send our accounts into default by allowing these unauthorized charges.
I am a Co signer on my daughters loan from Navient. My daughter became XXXX shortly after graduating and I made interest only payments for a few years. I recently retired and the loan amount was raised to {$260.00} a month. Many calls to navient by both my daughter and me with all our financial and each time was given some hope of lowering the payments to make them manageable. Each time they took {$50.00} to put us in forbearable and then let us know they could n't help. So instead I will struggle and at some point not be able to pay.
Please be advised this is my second complaint about Absolute Recovery Services , LLC. As stated in my previous complaint Absolute Recovery Services , LLC is violating the FDCPA by attempting to collect on a debt which is PAST THE STATUE of LIMITATION. The account became delinquent in XX/XX/XXXX and there have been no recorded payments on this account since XX/XX/XXXX. Furthermore the terms of this contract expired on XX/XX/XXXX. In addition this account is not accurate and complete. There is hand writing deleting specific account transactions and hand writing indicating an amount owed different from mathematical calculations generated in the computer. The amounts seem arbitrary and inconsistent. Finally Absolute Recovery Services , LLC is not license and bonded to collect in my state. By continuing to report this account to my consumer credit report and attempts to collect on this account are a violation of the FDCPA. This account is past the statue of limitation, not accurate and complete, and Absolute Recovery Services , LLC is not licensed and bonded to collect in my state.
XXXX, I 've maintained this Chase credit card account ( ending XXXX ) for over 15 years, although I did n't use it very often. I was offered a Promo ( teaser ) Balance Transfer offer, which I took advantage of. Coincidentally, shortly thereafter, due to lack of use, I was informed that the account was going to be closed - which it subsequently was. None-the-less, I had borrowed the money and was in the repayment stage. Here 's the problem : According to the Cardmember Agreement which I 've had on file since XXXX, I was obligated to pay principal of at least 2 % monthly ( plus interest, if any ). For repayment of this loan the bank was charging me a 5 % monthly. I called and spoke with a supervisor, who directed me online ( while we spoke on the phone ) to a more recent Cardmember Agreement. That agreement stated that I owed 1 % plus interest ( 2 % is reasonable and what I believe I ought to pay each month ). He told me that he nor anyone could change the 5 % requirement. During the conversation the supervisor said he 'd send me a copy of the agreement. I told him that was unnecessary since I downloaded it from the website he directed me to. He sent it anyway. Just received, the newest agreement XXXX computer generated and tailored to my account specifically XXXX states that I owe a minimum of 5 % monthly, plus interest. It disgusts me when a bank creates the rules as they go. Since my account is closed, my belief is that they want repayment as quickly as possible and terms-on-the-fly work for them. Further, they maintain a threat of sorts, in that they can adversely affect my XXXXredit score if I do n't pay the minimum they demand. Please fix this problem for me and others. THANK YOU, XXXX
Citi Mortgage keeps denying my mortgage application ( via XXXX ). They use factually incorrect appraisals, deem legal properties 'illegal ' despite meeting all city and state building standards, and make dozens of trivial requests for additional information ( ie. a XXXX from a XXXX job from 2014, for which I am not even using as part of my income qualification ), and require 'repairs ' for things which meet both local and state building codes. Also, denying me due process by frequently going past deadlines for decisions. I have lost out on 3 houses and lost my apartment due to XXXX. They will not process loans in a timely manor and let sales contracts expire. Living out of a suitcase with all my possessions in storage, waiting on ANOTHER closing date. They messed up my last loan application so badly that they needed to create a new loan number, and are currently putting me through the wringer a second time, on the same house. The same move in ready house with the same income information.
Called transunion to dispute inquiries on credit report. I was told to contact the companies. I contacted  two companies that basically gave me the same response : contact the credit bureaus have no process to   change credit reports! I am  XXXX  and not very say with computers. I attempted again to get assistance from transUnion with no avail ... contact the companies. I do not know what else to do. I have several inquiries that did not have my permission to pull my credit.  XXXX   XXXX ,  XXXX  and  XXXX  are the only companies given my permission. I was very specific with not running my credit!
I refinanced my home and was told there will be no closing costs, and now I found on the closing documents that they charged me about {$1500.00} dollars. I 'm trying to call this company and they do n't answer my phone calls, I had leave several messages to call me back and they do n't call me.
I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XX/XX/2005. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and didn't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.
On XXXX XXXX, 2017, Monterey Collections Sv. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
Chase has been sending me emails titled " View your updated XXXX Score for my credit accounts ending in XXXX, XXXX, and XXXX. I have called and emailed Chase many times asking to remove my email from their distribution lists and I have emphasized many times to receive all communications via XXXX. mail. I received XXXX letters dated XXXX XXXX 2015 explaining I will not receive any future emails from Chase. However Chase continued to send me emails and disregarded my preferences. I emailed and called again and received responses stating that by law I must be informed about products and services and changes associated with my account. If the law requires that I am informed about products and services to my credit accounts, then it needs to be communicated via XXXX mail. I know the law does not require that those notifications be sent via email. I prefer to receive all communications from Chase via XXXX mail. After I filed a complaint with the Office of the Comptroller of the Currency I was assured in a letter from XXXX XXXX dated XXXX/XXXX/2015 from Chase Executive Office that I would not receive emails from Chase. However I have received emails dated XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 soliciting me to View my XXXX score through my credit card accounts ending in XXXX, XXXX, and XXXX. Chase lied to me in a letter and has disregarded my preferences. I seems as if Chase does not want to spend the money on postage and paper and has purposely decided to disregard my preferences as a customer. I have received letters from Chase card services and the Executive Office ( XXXX XXXX XXXX stating that I will no longer receive emails from Chase, However they are still doing it. I am reporting this so that the Consumer Financial Protection Bureau is aware that Chase blatantly lies to customers and purposely violates consumer preferences and privacy rights. At this point I believe my only option is legal action because Chase has purposely ignored my preferences. I am sure other customers are having the same issues.
CFPB C/O JCPenny ( XXXX XXXX ), I lost my wallet last night and your IVR does not attend to the needs of a lost card option, or maybe lack thereof. It takes me XXXX to get to a live representative and that is far out of reach to get to a live agent. I dont even think you are XXXX compliant with the lack of input on your IVR. Even when I press o or the # sign it does not give me a live agent or if I bypass my last 4 numbers of my SSN it will hang me up, I am obligated to hear the whole recording of my balance and last transaction. This is horrendous especially since my card is lost and I need to freeze or cancel.
the bank of america locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Bank of America Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Bank of America XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!
In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.
My Dept of Ed loans were being serviced by XXXX, when I submitted a Public Service Loan Forgiveness affidavit of public service activity that I wanted credited toward my XXXX months of payments. This was received around XX/XX/2016. I was then notified sometime around XX/XX/2016 that my loan was being transferred to PHEAA ( or Fedloan ) for servicing due to my qualification for the PSLF program. This was at the same time that I had turned in a renewed IBR plan request to XXXX ( in XX/XX/2016 ). XXXX notified me that my IBR plan request had been accepted and that I would " soon '' learn what my new payment was to be. However, they transferred my Department of Ed loans without telling me what my new payment would be. My loans disappeared from the XXXX online system and XXXX customer service was unable to tell me what the payment would be. I created a Fedloan account but the online account contained no information about my loans from XXXX through XXXX. I called Fedloan to inquire as to when my payment would be due and what it would be, and the customer service agent told me that the loan transfer was " in process '' and she could not tell me what my loan amount was or when it was due, and that I would be notified when the loan transfer was complete. I repeatedly logged in to my Fedloan account and found it empty with no payment listed as due and no loan information, until one day I logged in and it showed my loans with the new payment information and told me that I had a payment that was past due and " delinquent. '' I was never notified of the loan payment due date or amount. I had my loans on autopay with navient and was never late for a payment, but this information did not appear to transfer with my loan. Fedloan did not attempt in any way to contact me to tell me I had a payment due, in spite of me being extremely proactive in trying to pay my loan on time. It appears to me that information about when my loan payment would be due and how much was deliberately withheld from me in order to make me late for this payment. It appears to me that there is a systematic issue with loan transfers that obfuscated basic information from me that was necessary to make on time payments. Had I not been proactive, who knows how long fedloan would have sat on my " delinquent '' loan without contacting me. I gave them my email, phone, address and called them and logged on repeatedly in an attempt to know the basic information about my loan, which they withheld from me until after the payment appeared to be due.
XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection. 
XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled. 
Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID. 
I want this removed from collections and I want southwest to delete it from my credit file.
For the past 7 months First Associates Loan Servicing, LLC for XXXX XXXX Loans has been not fully applying the full payment made each months, every agent I have talked to in my previous communications is that I am being told that the issue is being fixed, it happened again this month and I am starting to wonder if anyone is truly looking into fixing it. I keep getting texts and emails about being past due when full payments are clearly being made and yet it shows that I am overdue by {$3.00} each time, also every time I call all I get is an apology and that someone will be fixing the issue. It has now been going on for months now. See attached documents showing bank payment for full payment and First Associates Loan servicing account information not apllying the full amount paid.
I received a bill in the mail for {$120.00} from XXXX XXXX Account number XXXX. I called to pay the debt. They told me there was another debt of {$550.00} attached that i was going to be served on. 
I called back to speak with XXXX, she informed me that even though I had not yet been served I would now need to pay {$1000.00} for legal fees and filing fees. 
I called back on payday to pay the debt ... I STILL HAD NOT BEEN SERVED. XXXX, whom I spoke with said the total owing was {$550.00}. I asked her if I needed to pay the {$1000.00}. She asked me if I had been served. I told her no. 
She then told me I would only need to pay {$550.00} to settle the debt. That is exactly what I did. 
I received a call XX/XX/2018 from XXXX, who was extremely rude and said I still owed the remaining balance. I informed her that I have yet to be served and XXXX told me I did not need to pay the difference {$1000.00} minus the {$550.00} because I had not yet been served. She could go back and listen to the recorded phone call because I specifically asked if that needed to be paid, I had the money in hand and she told me no. 
XXXX, said she would go back and listen to the call but I was still liable for the debt. I want to know my rights and if this is true?