WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I formally communicated to Prestige Financial and the CFPB if all efforts to collect the debit for our auto loan all communication going forward was to be done by EMAIL or Mail only. Please refer to claim # [ Case number : XXXX ] due to repeated harassing and back to back phone calls from Prestige Financial account managers. At that time I received confirmation from XXXX XXXX Compliance Officer Prestige Financial Services , Inc. our account would be flagged and alerted our account should be handled with Email/Mail communication only. Within this past week Prestige Financial account managers have made repeated back to back harassing phone calls to both my husband and my cell phones in addition to emails. My husband spoke with them on XX/XX/XXXX, XXXX, Incoming XXXX 2 mins. advising them payment would be made on XX/XX/XXXX when his VA XXXX benefits are deposited into our bank account. Within less than 7 days and the fact that on XX/XX/XXXX my husband advised when payment would be make to bring the account back current we received several more calls regarding the payment. Here 's is the documented harassing call log from our cell phone provider : XXXX call log XX/XX/XXXX, XXXX Vm Retrieval XXXX XXXX Voicemail XX/XX/XXXX, XXXX Incoming XXXX 1 -- XX/XX/XXXX, XXXX Incoming XXXX 2 ( Again my husband advised payment would be made on XX/XX/XXXX ) Today XX/XX/XXXX XXXX Incoming XXXX 44 sec XX/XX/XXXX XXXX Incoming XXXX ( call sent to voicemail ) In addition to the email received : Are you still interested in securing your account? I 'm happy to assist you but I need a URGENT RETURN CALL to avoid further escalation. I need a call back today thank you in advance.-XXXXXXXXXXXX XXXX XXXX Account Manager Prestige Financial Services , Inc .
Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years. 
They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that! 
Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX! 
So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried. 
During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX? 
What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!
I receiving letters from a collection company threatening that credit rating will be affected if equipment is not returned and service fee not paid.
This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from XXXX XXXX XXXX. They pulled my credit twice on Trans Union resulting in two credit inquiries. I only authorized one inquiry for the one account. Trans Union needs a letter from XXXX XXXX XXXX stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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My existing mortgage servicing was transferred from XXXX XXXX to SunTrust Mortgage Inc . Shortly thereafter Sun Trust did an escrow analysis and refunded me {$2300.00}. On XXXX XXXX 2015, I received a letter from Sun Trust that in fact my escrow account was short {$4100.00} And either I paid the full amount or my mortgage would go from {$2500.00} to {$2900.00}. When I called for an explanation I was told that when the servicing was transferred, XXXX XXXX had not paid my local town taxes. I told them that they should go after XXXX since they were they ones holding my escrow and should have made all payments prior to the transfer. I returned the money they sent me in error but I will not paid anything more than what I was paying before the servicing was transferred. It is Sun Trust mistake and they not me should be responsible. I spoke to their Customer service Virginia, XXXX XXXX and XXXX XXXX who did the research and realized their mistake on XXXX/XXXX/15. See attached correspondence and tax statements from town.
XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX   XXXX  ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights
I reported to Credco to investigate 2 hard inquiries on my XXXX  and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. Credco and I have fax and mailed numerous letters to remove credit inquiries ie Credco  ( XXXX XXXX ), Credco  ( XXXXXXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
I have been disputing multiple negative and possible erroneous accounts with Equifax and sent them multiple letters for validation. 1st letter sent XX/XX/18 with no response. A second letter requesting validation of these accounts on XX/XX/18 with no response and finally a final letter for no response along with a request for inquiry verification was sent to Equifax on XX/XX/18. Finally on XX/XX/18 I received a letter in response to the inquiries, but even still without sufficient validation. However still no response to the validation/verification of the accounts in question.
Since XX/XX/XXXX, I have been trying to work with CoinBase to regain access to my accounts so I can retrieve my cryptocurrency ( Bitcoin [ BTC ] /BitcoinCash [ BCH ] Ethereum [ ETH ] /LiteCoin [ LTC ] ) which I had purchased. I lost access to a previous email account, as it was a university account which was deleted. I couldn't reset the password on CoinBase for the university account, as any password resets were sent to the deleted email. After that, I tried to follow CoinBase 's FAQ for account migration ( Website : XXXX XXXX XXXX ). After doing all the appropriate steps, I reached out to them and didn't receive a reply. I have then contacted their customer service multiple times to no avail. The following is a timeline of what occurred : ( XX/XX/XXXX ) : First contact, completed FAQ to migrate accounts. One unrelated response from CoinBase thanking me for my feedback, when I provided none at all. 

( Late XX/XX/XXXX ) : Sent follow-up email regarding account migration and completion of FAQ. No response from CoinBase. 

( XX/XX/XXXX ) : Called customer service and spoke to " XXXX. '' He informed me that a " specialist would reach out to me shortly and help me fix my issue. '' XXXX stated that my account funds could be migrated from the previous email account to a new account, which I would have access to. After receiving an email from Coinbase support after the conversation, no one from Coinbase has reached out to me. Another support ticket was created for me at this time by " XXXX, '' who stated that they were " working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions. '' ( XX/XX/XXXX ) : Sent email reminder following-up on email from CoinBase specialist/information provided by XXXX. No response. 

( XX/XX/XXXX ) : Called customer service and spoke to " XXXX. '' She stated that my " request had been escalated appropriately '' and that I should expect a response. She also stated that she saw my history in trying to contact CoinBase and apologized for any issues I had. 

Simply put, I would like to have full account access to the lawful money I have invested in the cryptocurrency kept within CoinBase. I can not access a previous, deleted email account and have done the appropriate steps, per CoinBase FAQ, to migrate my account to an active account. 

In short : I would like my old, deleted account funds migrated to an active account. I was informed by CoinBase that this was possible, per XXXX. He informed me that this could be completed by taking the funds from the previous account and migrating them to a new account which I have access to. I have done all steps in the FAQ to prepare this second account for receipt of the funds, but nothing has occurred. Furthermore, customer service has been kind, but unable to assist me in my issues. CoinBase had reported that they had issues in XX/XX/XXXX, which is why I was understanding of their situation. But it has been over 6 months, and no improvement in customer service or my situation has occurred.
I contacted American Education Services today on XX/XX/2018. I requested the assignment documents of my loans to XXXX. At this moment the operator did not know how to respond and put me on hold. She came back on the phone to tell me due to high customer volume this request may take a while and she was not sure when I could be receiving these documents.
I call this company too ask about was my collection about after I see my   XXXX   XXXX    score and notifications from them and they told me they call number off time when never happened and they said they send me mail to my address when I never get anyone from them
My loan was sold to Carrington morgage from XXXX XXXX XXXX in XXXX XXXX. We were already behind on 2 payments before Carrington took over my morgage. We never revived anything from Carrington about the change so I called them myself and explained that I 'm trying to catch up on my payments then couple day 's later I received a welcome packet. Every document had wrong dates going back as far as XXXX!! I have been calling them for weeks now even spoke to several supervisors all say something different. All I wanted was to be put on a repayment plan so I can save my home for my children. One supervisor put me on a payment plan and I made sure I asked is it in the notes so when we call in others will see it? Yes he said. Called in to make a payment and sure enough I got no you ca n't we need two full payments before we can take any payment. Then spoke to another supervisor and they said they can put me on a promise to pay and again asked him about the notes and even explained what happened with the last situation and he reassured me that he notated everything and when I tried to call in tonight to make a payment they wo n't accept again even though I 'm explaining everything to them but now this time they said I need to make a 2 full payments. I 'm 3 months behind ( I 'm still checking into that to make sure it is correct since all dates are wrong on the forms they sent and I made a payment to XXXX XXXX XXXX in XXXX XXXX ) I owe under {$3000.00} and would have it paid off by XXXX XXXX. I 'm not sure how Carrington morgage keeps customer 's they are suppose to help your situation not make it worse. They do n't make you feel like a wanted customer and no one knows you situation I got transferred all over the place and no one bothered to look in the notes but they could see who I spoke with. All I want to do is pay my morgage payments to get caught up and since I 'm new to this company you think they would be more helpful or maybe I 'm not getting to speak with the right person. I just hope this can be resolved soon because coming up soon I will be 4 payments behind almost seems like that 's what they want.
Foremost the annual percentage rate is 5.99 % on the loan, they are claim that the interest rate is also 5.99 %. Based on the finance charge that they are charging me for the life of this loan is {$3400.00} or .3417 % on the {$10000.00} loan. They claim that they are charging me 5.99 % daily interest. If the daily interest rate is truly 5.99 % how does it equate to {$3400.00}?
I have a credit card account with Capital One. In XXXX of this year my balance was {$240.00}. Now in XXXX the balance is {$820.00} This is impossible. I have not used this card in 6 mos.
About the XXXX breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through XXXX to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!
New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX andXX/XX/XXXXXXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries fromXX/XX/XXXX through XXXX removed immediately. As these things are negatively affecting my credit score.
I get over 30 calls a day. I explain that I am at work and they continue to call.
On  XXXX  of this year, I sent for a free cream item and only had to pay shipping cost. So this offer had popped up in my email and i paid with my check card.The company of course had my name and address to send me the free product. It had also asked for my phone number. S o three w eeks later in  XXXX  the company charged my account with  XXXX . I did not sign up for this. So I called chase bank and told them what happened and they put the money back into my account. They, bank  manager ,  XXXX   XXXX  gave me a new check card and said it was a scam. So I thought the problem was resolved.  XXXX  also stated the farm out your information. So on  XXXX   XXXX   Chase b ank without my permission, did an unauthorized transaction to this same company for  XXXX . I went to the bank immediately and  XXXX  the bank  manager was th ere. I told him what had happened. He said the claims dept. would handle it, there was nothing he could do. Well I sat there for over an hour and got nowhere. Then when I got home I called the bank and no one would help me. They said the company sent them paperwork that said I had a membership, well I do n't and I finally got the paperwork this week. There is no signature, the papers are bogus, all they have is my name and address which they would since i got the free cream. No one will help me, I did n't authorize this transaction.This is stealing.
I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several XXXX people. I am attaching a copy of a letter from XXXX Bank which outlines the data breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following inquiries were made without my consent or knowledge. I confirmed with several of the companies listed that the inquiries were made online and not by me. The inquires I am disputing are : XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank and XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX TX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX The XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 Bank 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
We 'd been making regular payments for a health expense since last year. Early this year, the payment checks sent were not cashed for months and the balance was not updated to reflect that. Bills were also sent sporadically. RECEIVABLE SOLUTIONS decided that this meant that we were past due and sent us a letter stating that our account would be sent to collections in 10 days. I had absolutely no confidence that even if I sent them a check, that it could be processed within the 3 business days ( when you subtract weekends and mail transit time ) because they have historically waited months. So I called before they sent the account to collections and they informed me I had to pay that day. They completely acknowledged that the checks were not always cashed in a timely manner by them, but refused to cancel sending the account to collections. So I paid the full balance right then to be rid of these people using my personal credit card instead of my tax sheltered HSA account, costing me about XXXX % extra. There was probably also an extra fee tacked on for paying by phone. 

I have a credit score of XXXX and have no problem whatsoever paying my bills. This company is using the threat of collections based on their own poor processing of payments. They have fully earned and deserve a harshly worded letter from CFPB telling them that a payer can not be considered delinquent due to the payee 's own slow payment processing.
I have spoken with their customer service, they would not help and take care of the negative inquiries reporting on my credit report. Keep, in mind that I have a fraud alert/ identity theft alert on my account and they did nothing to resolve these fraudulent inquiries. 
Also, I disputed these fraudulent accounts because of identity theft multiple times and also sent in multiple police reports/ documentation. The company decided to not take my disputes serious and did not provide valid reasoning for not removing these fraudulent accounts. 

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