WillisBack/dataset-financial-user-claim huggingface dataset:
The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.
I have reach out to the a preventive or executive regarding a collection accounts on XXXX that are not mine I have requested verification and validation debt about it have not hear or receive anything I have in addition send verification of my My identification and social security number to match what they have still to this date have not receive anything it 's been months
This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide.
I have been slightly overpaying on my SLS mortgage ( just a few dollars a month ) since it was sold from XXXX to SLS. For quite sometime SLS could not give me access to my account online ( I filed an official complaint with them last month, to which they finally " fixed it '' ). But now when I can see my transaction history, instead of crediting my " extra principal '' to pay down my loan, they have been allocating these extra payments to " late fee '' -- not at all reducing my principal. I am sending them a complaint as well, but they are horribly non-responsive and I believe this could be a systemic issue given it appears to be done automatically all the time.
On XXXX XXXX, 2013, I went into my local Huntington Bank Branch to close my account. The banker told me he would be sad to see me go as a customer and asked why I wanted to close the accounts. I explained that I had accounts elsewhere and wanted to keep the accounts at XXXX bank. He then wrote me a check for the balance of my account and told me that the account would be closed. Without my knowledge or consent, an automatic payment came through on the account on XXXX XXXX, 2013 for {$14.00}. This re-opened the account and pulled money from a savings account that I had at the bank at the time. I was receiving my statements electronically and was denied access after I closed the account on XXXX/XXXX/13, so I did not see this happening and had no knowledge of the activity. I was not contacted or informed that my account was re-opened. I did not authorize these transactions or the re-opening of the account. Recently, I decided to close out the savings accounts that I had huntington bank. When I went into the branch, I was told that I had XXXX accounts and that other accounts were never closed. In speaking with XXXX XXXX from the branch, we discovered that a fraudulent ACH charge was occurring every month on the account that I closed on XXXX/XXXX/13. This forced the account back open without my consent or knowledge. I explained that I did not authorize any of this and had no knowledge of any of this happening. XXXX completed paperwork to have the money refunded since the account was opened with a fraudulent charge. Huntington determined that an error occurred but that they are only responsible to pay me back {$44.00} or three months worth of charges. They admit it 's an error but only want to refund a very small amount. If I had been notified that the account had been re-opened, none of this would have happened as I could have told them at that point it was fraud. I tried to resolve this with a customer service agent, XXXX. I explained that I was told the account was closed. I XXXX out the account. I was denied access online to the savings accounts. XXXX was rude and unkind and later XXXX from the branch helped me file a complaint against him through huntington.
u s dept of education sent a letter dated XX/XX/XXXX stating my loan is in defalt status due to non payment. i told them i had been hospitalized sice XX/XX/XXXX that i am putting applications in for ft employment. 

i had my mother to set up a paymentplant to take out automatic withdrawls from her credit card XX/XX/XXXX. they received the payment and did not remove the money every month. 

i have applied to a XXXX XXXX XXXX position to assist me in my loan repayment but i will not be hired untill this is resolved. 

i called the and was told it was sent to the immediate credit recovery, XXXX XXXX only getting voiice mail. and i complaind to the dept of education default resolution group, XXXX TX, XXXX XXXX XXXX i was told the phones mut be down due to BAD weather???? 

i will not be hired if this is not resolved.
We have XXXX loans through Navient. One is a consolidated loan ( XXXX ) and another is a XXXX ( XXXX ). They both have different interest rates with one substantially higher. We pay monthly online and never miss any payments. For several months we have been trying to make extra payments to the loan with the higher interest rate ( Stafford loan ) so we can pay this off quicker. They will not apply the extra payment to the loan. They evenly distribute this money across both loans. There is no way to allocate this extra payment to pay off the loan quicker online. When you call they give you the run around and say that your promissory note allocates this. This is so unethical. This is not true. We pay the normal payment allocations already that the promissory agreement requires. You should be able to make extra payments to the principle of a loan that you choose. There is absolutely no way to do this online or over the phone. Additionally, I have called several times over the last several years to make sure that I still qualify for the public service loan forgiveness program ( XXXX in public service for 10 years ) and are on track with my payments. They have always said my loans qualify and that I am on track with the right loan ( the consolidated loan ) and today I called they said I would have to re-consolidate this loan again and the 120 payments and 10 years of service would start from the date of re-consolidation? I already consolidated! This is complete fraud! If you consolidate again, then this would disqualify you from the 120 payments you have already been making toward that loan..Since I was upset they routed me to another number that would give me more information and I sat on hold for 1 hour and 13 minutes and was never re-directed. While on hold for 1 hour and 13 minutes the automated recordings said to set up a specialist appointment you need to visit their " change payment page '' on Navient.com. I searched for this page to set up an appointment and it does not exist. I used their search engines and could never find the page they are describing. They give you the run around .. Do not give correct information about your loan and seem to be scamming the system so that students are paying more on a loan.. Now we are stuck in a loan and keep getting the wrong information.I ca n't trust anything this company says. Every person we talk to says a different thing from their scripted book. You ca n't even make an appointment with a " specialist '' to discuss your loans. This is a truly unethical company misguiding and scamming students.
On both my transunion and XXXX report XXXX has my account listed as charged off or repossesed. My car was stolen and I have the police report to prove it
Had a USAA credit card for approximately 17 years, never delinquent, late, etc. Yet, TWICE in as much time - USAA sent me VERY OFFENSIVE correspondence - so on the last one, in XX/XX/XXXX - I demanded that they close my account. Even requested they " negotiate '' a " payoff '' of my account - but was discriminated against because USAA informed me that " USAA only negotiates a smaller amount of a payoff with people whose accounts are delinquent. '' What-the-XXXX?!? Since the closing of my account - I have made monthly payments OVER the amount due ( I also did so during the 17 years it was kept current ) - except for XX/XX/XXXX, wherein I forgot my payment. It was due on XX/XX/XXXX. Today is XX/XX/XXXX - not even an entire MONTH past due - and I have received a letter AND TWO debt collection phone calls from USAA. What-the-XXXX?!?! I sent USAA an email - put in writing - that I DEMAND THEY STOP CALLING ME - yet, again, today I receive another call from USAA! UNREAL and very discriminatory to say the least!!! I am now contemplating BANKRUPTCY. 

XXXX XXXX XXXX XXXX
I am a XXXX and Power of Attorney for my sister-in-law who is XXXX years old and suffering from XXXX XXXX XXXX XXXX making it necessary to have me participate in her affairs. 
Effective XXXX XXXX, XXXX. The care service started acquiring her Social Security check before her mortgages could be paid. The bank holding her XXXX and XXXX mortgages is Bank of Albuquerque ( owned by Bank of Oklahoma ) was notified of the situation by me as POA and stayed in constant communication ( XXXX or XXXX phones calls fielded per week ). I found out from running a title binder, that there was also an IRS Lien so I had to submit POA to IRS and get that amount before pricing the house for sale in order to liquidate the mortgages. I informed both of the branches ( XXXX and XXXX mortgages are serviced by different branches of the same bank but communicate as separate entities ) when I finally got the IRS remaining lien amount, assign a price to the house and begin marketing. I received the lien amount from the IRS on XXXX XXXX, received a couple workable offers on the property XXXX XXXX and XXXX based on IRS update received on XXXX XXXX, 2016 ( good until XXXX XXXX, 2016 ). When I attempted to contact Bank of Albuquerque, they refused to discuss the mortgages anymore because at some point since the last statement dated XXXX XXXX, 2016, they had turned them over to their legal department ( a law firm that only takes messages ) and referred me to them. After leaving multiple messages with no return calls, I again contacted Bank of Oklahoma Loss Mitigation and customer service who told me " too bad '' you need to contact our foreclosure department even though they do not answer the phone and are hard to get hold of. Their advice was consistently the same, my only hope was to keep trying. Even though I have XXXX qualified offers for purchase they would not assist in contacting or discussing the foreclosure. My sister-in-law has not been served any foreclosure papers nor have I, even though I am on their ( Bank of Albuquerque and Oklahoma 's ) forwarding list and phone list, and yet they refuse to allow a sale that would pay off the debts. Instead, they will hold up any sale until the IRS lien can grow and they can tack on sufficient legal fees to force a foreclosure or short sale and the ruination of the home.
Amazon Chase Visa. They default charge me instead of my own card, I never opened the card, and I ca n't close it.
XXXX XXXX/Navient made up a fraudulent Tuition Answer loan application for {$15000.00} for the semester of XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX , XXXX NY. XXXX. Supposed applicant was a XXXX. Old XXXX working part time at XXXX XXXX. Stated income ( {$7800.00} ) was based on work experience of 2 months. No co-signer or co-borrower information was entered on loan application. Supposed loan application was received by XXXX XXXX on XX/XX/XXXX and  funds were released to college on XX/XX/XXXX. Check was supposedly mailed to college but they have no record of it. Also, student expenses for this semester were under {$500.00} because no tuition was paid ( father worked at college/no tuition for attending child ), student lived at home and commuted, book costs were very little. The college verbally stated that they would never have okayed a loan based on these costs for any student.
*XX/XX/XXXX- Spoke to XXXX about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Spoke to Nelnet Loan Services XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from Nelnet stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.
Hello on  XXXX  2017, I ma de an international transfer of {$2300.00} to my friend with moneygram ( ref id :  XXXX  ). I used my  XXXX  debit card and for some reason my bank has declined that transaction.so I taught the receiver never received that amount and I have informed my friend about the same.     to my suprise, today morning (  XX/XX/2017    ) I got a call from  XXXX  saying that you have an amount to pay for moneygram of $  XXXX + {$30.00} ( check returned fee ) .I explained  XXXX  representative that the amount never deposited in receiver 's account then why I need to pay that amount to moneygram. first I contacted them using live chat and they said we did n't process that transaction as your bank declined to pay that amount.then I called  XXXX  representative he advised me to call moneygram corporate office.then I called them the person who took my call ( at moneygram corporate office ) is very rude at me and refused to say any details and asked me to call  XXXX  for further details.I really disappointed with their behavior and no one has told me what 's going on exactly and the  XXXX  guy threatened me to pay that amount as today is the final day.so I paid that total amount of $  XXXX .here are my questions for moneygram.     1.why did you block my account and I am not able to see any transactions so how can I believe that the money deposited in receiver 's account?   2.on  XXXX  2017 I  made a transaction you have my email and phone number on file why do n't you call me or email me about the issue?   3.please provide me the proof showing that the receiver got that amount as I am not able to login into my account.     I have attached the screenshot of your representative who said that the transaction is not processed and if you fail to show that the amount deposited in receiver 's account.I will proceed legally and the way they approached about this issue is not at all good.
In XX/XX/2018, I received a letter from BOA indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether BOA states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to BOA because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed BOA account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
XXXX XXXX XXXX took over XXXX several years ago and began mailing payments back to consumers, including myself. In the process, I did a short sale of the property and FCC Finance, LLC agreed to a payoff balance along with releasing the lien on the property. The title company facilitated the payoff balance with a wire transfer being sent to FCC Finance, LLC. FCC Finance, LLC continues to harass and demand payment for the loan that they agreed to settle with payment wired on XXXX/XXXX/2013. They have submitted a bad debt report to XXXX and are continuing their attempts to collect what is not owed to them. I have spoken previously to FCC Finance, LLC and they insist that I owe them. This company has pretended to be the district attorney 's office on one instance that they called. On another instance, they pretended to be XXXX and was given my personal cell phone number to further harass me. They have called my work and harassed me over the last 3 1/2 years.
This debt has been re-aged and is illegal under the FDCPA and the FCRA. This is is illegal under the FDCPA and the FCRA. I did not have any procedure done in  XX/XX/XXXX . The procedure was completed  XX/XX/XXXX , which is passed the statute of limitations in Texas and uncollectable at this time.
This collection agency is reporting on my credit report. I do n't have any executed contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
XXXX XXXX XXXX closed and sold my account over to XXXX XXXX XXXX in XX/XX/XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXX XXXX XXXX   about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed
On XX/XX/2016 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please validate this debt as required by the Fair Debt Collection Practices ( FDCPA ) Act 803 definitions 15 USC 1692. I have sent them XXXX letters certified mail on XX/XX/2016 and XX/XX/2016 ( attached ), and disputed online with XXXX. This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me any proof that is a valid debt. I have an unverified account from # XXXX I have previously disputed this account. I have never done business with diversified consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters they signed for them on XX/XX/2016 @ XXXX and on XX/XX/2016 @ XXXX. I dispute the validity of the debt purposed that I owe. I have already requested that diversified consultants provide validation of this account with competent evidence bearing my signature showing that I have ever had a contractual obligation to pay them, and I also requested the following : 1.The original Application or contract to diversified consultants that states I owe them. Instead they have sent me a statement bill 2x this is unacceptable. And this is no form of validation. They also did not mark disputed within 30 days on my credit report pulled from XXXX on XX/XX/2016. They are reporting inaccurate information based on their bill that they sent to my address as a response. On my credit the total due is {$450.00}. and on their bill response the total due is $ XXXX is my last and final attempt to allow them to remove this account permanently from all credit bureaus before I file a claim in small claims court in Georgia where I live, for $ XXXX. I want this removed off my credit report at once! It is causing me great financial hardship. I will be attaching all documentation with complaint.
Please review the previous complaint and response from # XXXX. 
Not only did they mislead you in their response, claiming that the impound accounts don't get modified until a 6 month review, when they changed the amount immediately, in their first billing. They have also lied about providing an actual " Certified Copy '' of the original loan documents, and the Note itself. They sent another electronic file copy, which is not the same, but the last complaint was closed before they fulfilled anything they promised. 

I believe this is further proof that they are not in possession of the actual security documents, and as stated before, who then can return these documents upon payoff? Who actually has the documents, and at what point will they demand payment? 
Perhaps they no longer exist.
Escallate LLC is demanding that I pay {$450.00} for the doctor I saw while in the XXXX of XXXX XXXX XXXX Hospital ( XXXX ) on XXXX/XXXX/13. I could not afford healthcare at the time of service and as the attached documents show, all amounts due as a result of NECESSARY medical care were waived with a XXXX % charity discount by XXXX XXXX. I contacted the physician 's billing regarding this matter and was informed to forward my letter of acceptance from XXXX XXXX so that my account could be verified and the balance updated to {$0.00}. Despite providing this letter as requested, the account was not updated and Escallate insists that I owe {$450.00} for an amount that was written off by the physician. Not only is this incorrect, my credit has been seriously impacted as a result.