WillisBack/dataset-financial-user-claim huggingface dataset:
I have a consolidated FFEL Loan through XXXX XXXX XXXX, XXXX, doing business as ACS Education Services ( " ACS '' ). ( Lender - XXXX XXXX XXXX ). The original loan in XXXX XXXX was for {$23000.00}. I have defaulted 3 times and enrolled in their " Rehabilitation Program '' every time to bring my loan back into good standing. I have never went into forbearance but it is listed that I did in XXXX/XXXX/XXXX. It is now XXXX and my current outstanding loan is listed at {$35000.00}. I understand that XXXX XXXX XXXX is under Federal Investigation for Loan Servicing Practices and it appears that I may be one the borrowers that have been affected. I wish I could afford an Attorney, but at this time is not feasible. Looking for any help and guidance possible. Thanks!
Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX  credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. 
Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. 
I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. 
After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. 
I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.
My information was stolen in the Equifax security breach that occurred XXXX-XXXX 2017. I was not informed of this breach until early XX/XX/XXXX, and had to find out via website set up by Equifax rather than being notified of this directly ( www.equifaxsecurity2017.com ). Having to check via the website would not be as much of an issue if the website ITSELF was n't unsecured. It is a stock XXXX  installation ( definitely not high enough grade of security ) with a TLS certificate that did not provide proper revocation checks. The domain name was n't even originally registered to Equifax. The website was even flagged by XXXX ( owned by XXXX ) as being a suspected phishing threat because it is so insecure! 

So in order to find out if my information was stolen, I have to supply personal information to an insecure website set up by the very company whose insecure practices led to my information being stolen in the first place. 

Finally -- I have set up security freezes on all my credit reports. But I had to pay Equifax for the security freeze I need due to Equifax ITSELF losing my information. Furthermore, while I was issued the PIN, anyone who has my stolen information could call Equifax and claim they lost it because one can get the security freeze on my Equifax report lifted without the PIN using the very information stolen from Equifax. 

Essentially, Equifax has not only enabled my information to be stolen, but its procedures for dealing with the issue are themselves compromised by more examples of Equifax 's poor security practices.
These American Express accounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts are SETTLED AND paid in FULL.
Linebarger, Goggan, Blair & Sampson LLP have sent documents demanding {$290.00} for nonpayment of approximately {$15.00} ( as best I can tell ) of unpaid tolls. Tolls should have been paid through my toll tag account as per their billing police with XXXX XXXX XXXX XXXX Repeated attempts to resolve the issue have not been productive. I am continually told to call somebody else or put on hold. Asking to speak to supervisor does not work it appears they simply find a phone to pick up and lay on the desk with no answer ( I can hear voices speaking in the background but nobody on the phone. The agency refuses to give me a reason for why tolls were not billed or I was n't notified of the issue. Instead they try to shift responsibility to their client despite they themselves giving their own phone number for resolution. I 've stated repeatedly that my purpose is to find a reasonable accommodation that simply does not amount to extortion, but have not desire to do so.
I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.
Experian is still reporting my XXXX account as having two delinquent payments in XX/XX/XXXX. I had this matter resolved last year and contacted the CFPB last XX/XX/XXXX to get this matter resolved. They corrected my credit report, but now they have put it back on my credit and it is affecting my score.
Voicemail left on my cell phone stating I owed a debt to Direct Recovery Services, stating this was that last time they will contact me when it was the first XX/XX/18 @ XXXX. Didn't state what I owed or to whom. I have never dealt with that company before. AtXXXX my son 's father ( whom I hardly speak to ) texts me to let me know the same company called him stating I owed a debt and needed to call then and asked him to share my phone number. Again I do not speak to my son 's father and his number is fairly new, not sure how this company got his number. They left phone number XXXX on my cell vm and XXXX with my son 's father also left an acct # XXXX
On XXXX XXXX I sent a wire transfer on the amount of XXXX from our account on Bank of America, XXXX XXXX XXXX XXXX to a company in XXXX, XXXX XXXX, XXXX Bank, dollar account. The Supplier responded to me one week later that they have no receive the money. Since then I has been in contact with bank of America, wire transfer XXXX XXXX XXXX XXXX and they say they transfer the money to XXXX, but XXXX have not received. I ask for the money to be returned. Nothing have happening and they tell me that XXXX have answer.
My latest credit statement continues to show a debt from XXXX that is several years old of {$110.00}. I negotiated a settlement on the original bill of {$230.00}, that was incorrect, with a credit supervisor named " XXXX '' in XXXX of 2013. I sent the check - they lost it, I had to stop payment on it ( I have a copy of the bank stop payment order ) and sent another check by certified mail which they cashed. In the " for '' area of the check I put the account number and paid in full. However, XXXX has passed the balance onto XXXX or XXXX other debt collection companies. I am XXXX of this and have the letters to prove my claim that I do not owe this debt.
Dear RECEIVABLE MGMT GROUP After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
In XXXX XXXX XXXX and loans charged my American Express account {$450.00} without my approval they got my credit card information because I was trying to refinance my mortgage. I was going through another company called first rate mortgage who gave them my credit card information and told them to charge my card. I sent American Express the details but they kept taking quick and loan word over mine. You can check my credit report and see I pay my bills but I refuse to pay for charges I did not approve so I closed all my American Express accounts. Since than XXXX XXXX Mortgage went out of business I was approved for their loan but I cancelled it and went to another company for my mortgage. The report says American charged off {$670.00} in XXXX XXXX this was the charge {$450.00} that I disputed like 6 times and each time after about 3 months they kept putting it back on my card so i told them I was tired of dealing with them so do what you want I was not paying for something I did not charge to my card.
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.
This company called First Source Advanced has called my home. I do not know who what is their business purpose. I have never had a business relationship with this company.
I had a Shell credit card since 1998 I moved out of country and paid the card off they were in the process of issuing a new card which I also told them to cancel because they are no good here. They took the XXXX payment that I ask them to draft from my bank account, to pay the card in full, but credited it to the new card they had issued which was also cancelled and are still charging late fees and interest on the old card I have tried many times to get this resolved to no avail. I am out of country and can not sit on the phone for hours trying to explain to them what has happened I have spent several hundred dollars in phone charges to talk with them and still have bills coming to me about this I do n't know what to do any more my credit score has gone from high XXXX 's to the XXXX 's because of this they are ruining my credit and I do n't know what else to do. when I talk to them or try to get into the account they tell me it has been closed but they have XXXX maybe more of my money and are showing my bill as being unpaid this needs to be resolved.
I had my student loans via XXXX, then they were bought out by Navient. I started out with a total of about {$28000.00} total after graduation in XXXX. I had a hard time finding a job, so they advised to put it into forbearance without advising me of the interest that would accrue. This happened on a number of occasions. Summer of XXXX, my loan came due and the least they would make my payment was over {$400.00}. I could not afford to pay that much, so they approved me for a {$0.00} payment. AGAIN, they did not tell me interest would continue to accrue. I am now almost in the hole for double the amount I originally had borrowed. These people are crooked and will not help your situation.
I paid XXXX XXXX what they asked for in exchange that it will be reported as paid in full it is being reported on transunion paid in full charge off of which is doing damage to my credit when it has a XXXX balance it is also being reported on XXXX charge off XXXX balance the same on XXXX as well credit acceptance is being reported as settled for less than balance paid repossession on transunion with a XXXX balance and on XXXX repossession XXXX balance and the same is being reported on XXXX as well
To Whom It Might Concern, I am a XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. After about 1 year battle with Nationstar, we finally received a letter for an approved trail payments for the three months XXXX, XXXX and XXXX, XXXX. We immediately sent in the months Trial payments for XXXX and XXXX payments to Nationstar from my XXXX account in the amount of {$2900.00} ( please see the attached evidence ). On XXXX XXXX, XXXX, I wired the XXXX 's Trial payment in the amount of {$1400.00}. As you can see, I paid all three of my payments trail on time or before it was due. Therefore, I received the Loan Modification Agreement in late XXXX. I then Signed document in front of the Notary and sent it back to Nationstar, with Fed Ex tracking XXXX showed Nationstar received it on XXXX XXXX, XXXX at XXXX XXXX. On XXXX XXXX, XXXX, I called Nationstar to make a XXXX 's Payment but XXXX, a Nationstar Rep Said she can not accept the XXXX 's payment due to Nationstar did not receive XXXX Payment. I was surprised and request her open the case for searching XXXX Trial Payment. XXXX said to Email and fax in the evidence of XXXX wire for XXXX Trial Payment to XXXXXXXXXXXX and I did. XXXX XXXX, XXXX, I received letters dated XXXX XXXX, XXXX from Nationstar confirming the receipt of XXXX 's Trial payment but the payment was applied to XXXX 2015 monthly contractual payment. I was confused of what the heck Nationstar is doing, that trial payment of {$1400.00} was never meant for XXXX XXXX payment, I called in right away to ask them to apply the payment to the right month : XXXX 's Trial Payment. On XXXX XXXX, XXXX, I did not see Sale date move back so I called Trustee to move it back and they asked me to send in the evidence of XXXX Wiring. After emailed XXXX the same docs that I have send to Nationstar research dept, they moved the Sale date from XXXX XXXX Sale Date to XXXX XXXX Sale Date. Nationstar made it as difficult as much as possible for an old lady like me to keep my own home and it is non-compliant of how they do it. Begin of XXXX, I certify mail the XXXX 's and XXXX 's payment while waiting for the correction. Recently, I just received a denial letter from Nationstar dated XXXX XXXX, XXXX that the reason of denial is I did not make the required Trial Period Plan payment. I professionally request the help of Consumer Finance Protection Bureau to please request Nationstar to be compliant. They have received all 3 months of trail payments and sent us the Loan Modification Agreement to sign and notarized and sent back to them and then they reject our mortgage payment and put the subject property in foreclosure sale date. How is this possible? Please review all the documents attached evidently proof that Nationstar Mortgage wrongfully foreclosing my property. They received mortgage payments and signed Loan Mod Agreement and then reject mortgage payments for XXXX. This is such a contrary.
I have an ongoing billing dispute with XXXX XXXX, that they have never actually acknowledged. XXXX has reported the account in question as a collection record to all three credit bureaus, blatantly disregarding the XXXX. With that matter still under investigation and my lawyer currently pursuing the deletion of this record from my credit reports, I received a collection notice from a XXXX party collection agency on XXXX/XXXX/2015, demanding payment for this same account in the amount of said {$780.00}. It 's essentially 'double jeopardy ' in the credit realm. Considering the express fact that I do NOT owe XXXX XXXX any money at all and the ongoing FTC and legal complaints, it is highly inappropriate for XXXX XXXX to assign this account to yet another third party collection agency. NOT TO MENTION that XXXX XXXX is still attempting to harass me to collect on this same account. This is the XXXX time XXXX has " sold '' this account to another collection agency. This is absurd.
I have a Homeowner association company that has set me up with the automatic withdraw for the association fees. When Equifax was breached on the data, I decided to check on my credit since I have credit monitor account with Equifax. That was when I noticed that the score has droped. I was at XXXX and it dropped down to XXXX. The reason was the association has reported negative information. First, I was never notified about having a past due on the account. The account is set up as automatic withdraw so I would not think there is past due.
Company information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX is the company information.
I contacted Equifax first because I did not know who reported the negative information first. Then I found out that it was my association company so I contacted them and I was being reasonable. Even though I was upset, I decided to pay the account since now I was informed that I had past due amount. I did let them know that I was never informed through mail or phone call.
Move forward, I paid the account in full and Equifax disputed and the account information was corrected and the account became no past balance.
One month later, now. I have a notification from Equifax that my score has dropped again. I have check the reason and now the same company has made another negative information on my credit file with different company name.
Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca-XXXX XXXX
Same address and same phone number with same past due amount.
I did let go the first issue since it can happen even though I felt it was not fair since they did not attempt to notify me with past due. But, this time I can not let it go since it has affected my score again with same information. I have contact the association company XXXX XXXX  but no response. I am filling the BBB complain also and I would like to see what I can do to make this correction and make sure I have fair credit score without abuse from this management company.
Thank you.
I was given a visa gift card for my birthday, with a balance of {$100.00}. The card says it was issued by US Bank. 

Several months later I removed the card from its original packaging and tried to register it on the provider 's website. When I tried to register the card to verify the balance, I found it had already been used for the full amount on the card, leaving a XXXX-dollar balance. 

I called the customer service number as printed on the card and filed a claim. I was informed the transaction had taken place in a XXXX store in California on the day before my birthday. 

This week I was informed that my claim had been denied, because I had not filed it within 120 days of the gift card 's fraudulent use. 

As the card had remained in the original packaging until XX/XX/XXXX, and there were no instructions on the packaging indicating I was required to register it within a certain time period, I did n't have any information that I suggested registering the card and checking its balance was anything other than optional. 

Doing research online, this turns out to be a widespread problem, that has been going on for some time. There are a number of articles online describing others that have fallen victim to this scam. Some claim that hundreds of complaints are received each day. 

Unfortunately, the corporation selling these cards has yet to take any action to either prevent this fraud, or to warn customers of the risk of the fraud and what they must do to protect themselves should the card 's account be used for unauthorized purchases. No warning is given that if the card is not registered within a particular time frame that the card holder will not be reimbursed for the fraudulent activity.
I have a mortgage on my home with Caliber Home Loans, XXXX   XXXX, OK. I have been trying for several years to get a loan modification application approved to get my mortgage payments lowered and a better interest rate. The VA is also on the mortgage as my husband was a XXXX XXXX  veteran. Unfortunately, my husband passed away in XX/XX/XXXX and the mortgage is in his name ONLY. Caliber sent me a loan modification agreement with a letter dated XX/XX/XXXX. The agreement had signature lines for my husband 's name only. Caliber had already supposedly put the account in my name as " Successor of Interest '' for the mortgage. My husband passed away XXXX. I called Caliber to ask them about my husband 's name being on the signature line of the loan mod agreement. The representative I spoke to did NOT have a copy of the agreement on his computer, but told me to just cross out my husband 's name and sign my name on the agreement. I signed the agreement in front of a Notary Public and then mailed the agreement to Caliber in the overnight mail. I did not hear from Caliber and called them on XX/XX/XXXX. The Caliber representative informed me that the agreement was dated for XX/XX/XXXX and Caliber was NOT going to accept the agreement and they were proceeding with the Sheriff 's sale of my property. I spoke to a VA representative on XX/XX/XXXX in XXXX who is servicing this account. That rep informed me that she could see on her computer records that Caliber had APPROVED the loan modification application in XX/XX/XXXX and again in XX/XX/XXXX. I never received this approval from Caliber nor did I receive an agreement from Caliber. My husband was still living in XX/XX/XXXX so he would have been the one to sign the agreement, but we did NOT receive that agreement. This is a super mess and has been ever since we started doing business with Caliber Home Loans several years ago. I have submitted NUMEROUS loan mod applications over the years and Caliber holds onto the documents long enough for them to become outdated, and then they request new, updated documents so I have to start the loan mod application all over again. I have over twenty-five ( 25 ) years ' experience in the XXXX  field and am currently XXXX for XXXX XXXX. I keep very good records of everything which has taken place during this process. We had asked for a modification when my husband retired and I was not working. I have been XXXX for XXXX XXXX  for the last four ( 4 ) years and am able to make my mortgage payments on time each and every month. But Caliber has never been interested in that fact. They prefer to play games and keep me on a merry go round and in suspense as to whether or not I will be able to keep my home. I did a XXXX search on Caliber Home Loans and a large number of lawsuits and class action lawsuits popped up where customers have sued Caliber for many of the same issues I am having with them. The rep at the VA suggested I file a complaint with you so that maybe you can investigate this terrible mess and possibly help me to keep my home. Thank you for your assistance, have a great day and XXXX Bless You! XXXX XXXX XXXX, XXXX XXXX