WillisBack/dataset-financial-user-claim huggingface dataset:
Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.
Money Management international did not disclose requested conversations with HAMP, as per debt validation, and it caused me financial harm
I would mail my money order in but the loan branch manager would hold it and tell me before she would credit my account I needed to bring in another payment. Which was confusing to me. I would call and cancel a verbal payment and they would put through the payment anyway in order for me not to have the account paid. They would keep changing staff and no one knew what was going on. I had an uncle XXXX in my family explained to them that I was in the middle of XXXX and as of today 's date no one would work with me due to the devastating loss. I tried to get my account current but with no assistance from management. They continue to change staff and no one is ever available to keep proper records nor work with their clients as they should. Management is deliberately putting accounts in default in order to ruin clients that have been paying customers for years. I have had several accounts with this company and they have worked with me in the past but when they changed staff no one seemed to care about the customer and continue to run payments when they wanted and not when they were to hold payments as agreed they continued not to assist causing customers to be frustrated always. The company has been a very good company in the past but as they changed staff things became more of a problem when trying to resolve things.
Ive mailed Progressive Management Systems for them to validate this alleged debt. They have sent me a letter that looks like it was generaded using XXXX XXXX. Nothing on this letter validated that it is indeed myself and that I owed them any money. Anyone could of easly generated this letter, obtained my name and say that I owe them money. It contains no contract agreement, no signatures or anything saying that I owe this XXXX   company money. This does not seem like a valid form of Validation. Ive also tired to contact them to just settle this amount even though they didnt properly validate so I can move on from this but XXXX failed to respond.
I am a victim of Identity Theft. Someone has placed things on my  XXXX  credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all  XXXX  credit bureaus along with multiple attachments as proof. By law, the  XXXX  bureaus had 4 days to block the information relating to the identity theft. Out of the  XXXX , only  XXXX  has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All  XXXX  of these bureaus should have blocked this information immediately and they have not.
Since XX/XX/XXXX Navient has incorrectly applied my payments and continues to do so. They are applying my payments to a consolidate loan rather than across all of my loans despite being noted on my payment. then each month they call and harass me about being delinquent each month I have to argue about how they applied the payment to the same loan over and over again and not to all of the loans. Here is my recent communication about the matter. " Why in the XXXX do you keep applying my payments to the same loan, then you send me a past due notice or call me for additional payments. Please apply ALL payments across ALL loans. You need to adjust my payments applied to loan XXXX and XXXX and spread across ALL. I paid a total of {$840.00} the month of XXXX before the due dates. They are applying my payments to the Consolidated loan through Navient, and leaving my federal student loans as unpaid and past due. <P/>I am pending a response from XXXX this has been ongoing since XX/XX/XXXX. <P/>In addition I have been paying on my loans since coming out of deferment during school attendance- XX/XX/XXXX and XX/XX/XXXX. My interest rate is 6.8, why have my balances gone up, I have paid nothing on the principle and very little in interest- the balance just keeps growing. I know they never want you to pay them off but after paying for 10 years my XXXX should be almost paid in full. And my graduate should be paid in full in XX/XX/XXXX. Not going to happen at this rate. This system really needs to be fixed.
I requested a modification due to falling behind two pmts and have been dragging 60 days late when started a buisness, my property taxes increased created a big shortage, loan due to be adjust in   XXXX   to a higher rate. I received a modification package offer is ridiculous 2 % 1-5 then afterwards keeps adjust higher up until 10 years w/ a Balloon note of $  XXXX  at the end of term and to top it off they added more years to my note when what I am looking for is less years roll my shortage and payments and reduce years fix rate ... this would put us @ 78 years of age and still have to pay $  XXXX  Balloon note at the end of the term. from a loan of  XXXX  balance to pay off an average of $  XXXX  which includes the  XXXX  I Honestly do think they are trying to help us? No I do not thinks so! we owe approximately 27 %  XXXX .     I DONT CARE IF MY LOAN PAYMENT IS {$2500.00} A MONTH BUT I WANT A FIX RATE  XXXX  OR 15 YEARS DONT WANT MORE YEARS TO MY NOTE. ***THEY HAVE ALL THE DOCUMENTATION THEY NEED FROM ME.     YOUR ASSISTANCE IS MUCH APPRECIATED.      XXXX   XXXX   XXXX   XXXX
I received a reimbursement check from PayMap. The envelope that contained the check was stuck between other documents. Yesterday, XX/XX/XXXX, I found the envelope and the check. However, the check says that it is to be voided after XX/XX/XXXX. I contacted the number reflected in the paperwork, XXXX and was told that they could not assist and directed me to the Consumer Financial Protection Bureau.
I am in the process of selling my home and have moved the closing date twice due to Ditech not having the title on my home. I have a little over XXXX acres and a doublewide and they are showing it as real property and have a deed of trust. The title company attempting to handle the purchase for the buyers and myself have attempted to speak with someone from Ditech since XXXX to explain the situation but they will not let us past customer service. They keep saying they will do a work order and send it in but when I call back as they will not return calls I am informed there is nothing they can do as they are not required to have a title. Here is the background. We purchased the doublewide and had it set up on property we also purchased and done the mortgage through XXXX who went out of business. XXXX XXXX XXXX took over the loans to my understanding. At a later date, Green Tree purchased my loan from XXXX XXXX XXXX and Green Tree later changed its name to Ditech. The title never exchanged hands from XXXX apparently as when I called XXXX XXXX XXXX they stated that they also showed the home as having a deed of trust as Ditech does. The XXXX company however has found an active title on file in the state of TN and it has XXXX listed as lienholder. I went to my local county clerk 's office and they were able to pull it up and show it to me with no problem so the title company is correct. Now the problem is, I 'm blocked from apparently selling my home because my current lender ( Ditech ) refuses to accept the fact that there is a title out there and all that is needed is for them to simply apply for and {$11.00} duplicate title!! Customer Service is not allowed to transfer calls to anyone we can explain this to that will understand what we are talking about. Even if I was to keep the home and pay it off I would not own it without the title!! I am about to loose the sell of my home over a senseless disrespect of customer service and {$11.00}. Please help ... Ditech is treating their customers wrong by not answering questions correcting, returning phone calls, nor assisting in matters that are their responsibilities.
To whom it may concern, I am a victim of identity theft which in the process i have fradulent and wrong, personal information in the transunion credit file that belongs to me. I am going through a finiancial burden and i am unable to get a loan of any sort due to the fact that infromation on the transunion credit file is not mine. My transunion credit score and my fico score are to low and will be able to be evenhigher and better if these wong and fradulent, personall information can be corrected to the best to the best of my knowledge. The information is incorrect and i am trying to fix and make sure that all my personal information is corrected and passed on to all the credit bureau agencies. i have been denied credit in the past 10 to 60 days. I know it is a crime to give false information to any local, state, or federal instuiton or agency therfore i am giving transunion the opurtunitty to help me resolve these problem as soon as possible. So to my best intrest all the information that i have and will give to transunion and the cfpb is correct and can be and will be able to be prooved with any or all legal documents to be provided by me. 
Please Help me i do not know what else to do. Please advice. Thanks
Diversified Consultants has been trying to collect a debt of {$320.00}, which on XX/XX/2018 I sent a letter disputing this debt. 
The Letter was delivered certified mail and signed for on XX/XX/2018. The credit report was never listed as disputed. I have retained a copy of the signature and date of receipt, as well as a time stamped copy of my credit reports. 
I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Diversified Consultants. Diversified Consultants had 30 days to comply or remove this from my credit report. As of this date XXXXXX/XX/2018 I have not received any such evidence.
I transferred a XXXX phone line to another individual a few years ago. I was told on a recorded line that the bill had to be paid in full before I could transfer. A few hours later the person whom I was transferring the line to paid the bill and we went ahead with the transfer. Now XXXX is saying that I owe them {$360.00} ( XXXX XXXX ). I should not be charged anything I did what I needed to do on my behalf. The transfer should not have been completed if there was still a balance. I have tried to dispute this a few times.
I sold XXXX rental homes, on XXXX/XXXX/2016, I believe, and part of the proceeds went to payoff all loans. I was owed escrow money and principal back from XXXX and XXXX mortgages. I received all of that in a timely manner from XXXX or the XXXX carriers. However, a company called Ditech is trying to steal escrow money from me. They owe approx {$1700.00} to me. They said their original check went to the wrong address even though I never requested it be changed. They, after a long delay, they said they mailed a new check on XXXX/XXXX/2016. It 's still not here. I do n't know if they a liars are just amazingly incompetent, but I need help.
Overall I have too many hard inquiries on my credit. 19 hard inquiries is too much. This happened while applying for a car loan at the dealership.
In XXXX of XXXX I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX  paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of XXXX XXXX California Sheriff 's  department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. Experian, XXXX and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
On XX/XX/XXXX Chase sent me a notice stating the FDIC sold them my mortgage loan. They have yet to show any proof of this transaction. In this letter Chase states ( MERS ) Mortgage Electronic Registration Systems sold and assigned all rights to WAMU Washington Mutual Bank on XX/XX/XXXX. There are no records found of this assignment on file in the XXXX County records. 

It does show where Chase forged a fake assignement from ( MERS ) on dated XX/XX/XXXX five years after they claim that ( MERS ) had already signed over its rights to Washington Mutual Bank. How is this possible? That there is NO assignemnt to ( WAMU ) but one straight directly to CHASE. 

I would like CHASE to provide all legal documents showing the FDIC gave them receivership of my specific loan and what date.

I would like CHASE to provide all legal documents showing the FDIC sold them my mortgage loan I would like CHASE to provide documents proving the had legal rights to collect payments on my home loan in the State of OHIO as a loan servicer.
In fall of XXXX I accepted a XXXX interest balance transfer offer from Chase bank on XXXX XXXX credit card. There was also a PREPAYMENT FEE. 
There were multiple late billing statements and some never received. When I attempted to get resolution on this by contacting customer service in summer and early fall of XXXX, no apparent credit was given for at least XXXX late fees, even when billing statements were not received. 
Some billing statements continued to be missing thru fall and holiday season of XXXX, and when I finally became aware that billings had not been delivered, I attempted to payoff loan in XXXX XXXX, minus around {$180.00} in disputed interest charges. 
As I continued to dispute interest charges, I was told that no department or individuals existed in Chase Bank System to deal with this issue, other than regular customer service staff and supervisors. This past week however I was told that " escalation '' units and individuals did exist. 
Multiple contacts over this issue with customer service, also experienced rude, hostile supervisor representatives, who often seemed to give lectures on how I as the customer was fully responsible for additional charges and late fees ; even when billing statements were consistently absent or weeks late. 
Ironically, monthly offers for additional balance transfers consistently arrived in the mail. 
Ultimately, my credit rating has dropped over the past 6 months, many documentable hours have been spent in often hostile conversation with customer service reps., some late fees have been removed after at least two months of existence on billing statement, but no attempt has been made by Chase to deal with Disputed interest charges ; by adjudication or any process accept to lay full responsibility on me. 
Finally, the current billing statement seen online indicates around {$240.00} due, while yesterday I was assured by a customer service supervisor, that all " late fees '' have now been removed, and all that actually exists as due is around {$180.00} ; which is the amount of the originally disputed interest charge of 14 ( plus ) percent.
To whom it may concern, Once again Ocwen has still not settled any of my complaints. Ocwen is supposed to be banned from foreclosing on anyone until they correct of the wrong doing they have done to not just me but othersas well. Once again Ocewen is attempting to foreclose on me. Ocwen has been doing wrong just about as long as they have been in bbusiness. Once again I am suing Ocwen for a XXXX dollars and before I even get to court Ocwen may be able to illegally foreclose on me. I have had about XXXX XXXX because of Ocwen and now my wife just had a XXXX XXXX and XXXX because of Ocwens illegal activities. 
Ocwen has to be stopped. 
I believe also the SEC needs to be looking into possible stock manipulation.
School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.
I have a mortgage loan with Seterus , Inc . In approx XXXX of 2015, my workload ( XXXX ) was decreased by more than half. This decrease took my paychecks from approx {$1300.00} down to approx {$400.00}. I fell behind on my mortgage payments. I called Seterus and explained the situation and was told that they would work with me to keep from foreclosure. I received a delinquency notice dated XXXX XXXX, 2015, which listed the months for which I owed and the status. The letter showed that the XXXX 2015 payment had been made on XXXX XXXX, 2015. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. I secured a full-time job and, on XXXX XXXX, 2015, made the payment for XXXX. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. My plan was to make a payment XXXX a month until the loan was brought current. On XXXX XXXX, 2015, I made the payment for XXXX. This WOULD HAVE made me delinquent XXXX months XXXX XXXX, XXXX and XXXX XXXX. That payment was returned to my bank because of " the status of my loan. '' When I called to discuss the matter with Seterus, I was told that they did not accept partial payments. I was told that the only payment that would be accepted on a delinquent loan would be the full amount owed. The payment made on XXXX XXXX for XXXX would have been considered a partial payment and they accepted that payment ... .why not the XXXX XXXX payment?? Today, I received foreclosure papers.
Hello, I contacted Transunion and XXXX on XX/XX/XXXX to alert the fact that I had multiple credit inquiries that I did not authorize. The customer service representative would not assist in investigating or helping remove the unauthorized inquiries. 
Below is the list ( by company, inquiry date, etc ) : Transunion : XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX-XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Some years ago, I had my purse stolen. I reported it to the police department when I resided  in Florida  but  whomever  the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Complaint consumer finance is currently checking into to problems with Ally Auto Financial. Since reaching out to you with this problem, more issues have occurred. I paid {$800.00} on XX/XX/XXXX and my payment is still in pending process and wont be taken until XX/XX/XXXX. This in conflict with their practices in the past where my payment was taken out immediately. They took out another payment on XX/XX/XXXX, but not for the amount of {$800.00}, but for {$590.00}. They were billing {$320.00} every two months prior to your investigation even though I paid {$800.00} every month. 
Thank you for your services. 
Best regards XXXX XXXX