WillisBack/dataset-financial-user-claim huggingface dataset:
I have paid this account by phone for XXXX years without incident. However, the payment made by phone on XX/XX/2017 was not posted to my account. I called on XX/XX/2017 to make another payment, and was told my account was delinquent. I have tried diligently to get this straightened out with Wells Fargo. Wells Fargo 's system shows the payment was called in on the XX/XX/XXXX but not posted to the account until the XX/XX/XXXX. This is some type of system error. On XX/XX/XXXX, I spoke with several different representatives. XX/XX/XXXX XXXX at XXXX stated that an electronic correction had been sent to XXXX , XXXX, and XXXX. After numerous calls to try and get the issue resolved, XXXX in the XXXX Office claimed that she researched the problem, and that although the payment was submitted to Wells Fargo on XX/XX/XXXX, the system showed that the payment would not post until XX/XX/XXXX This is some type of error. I have never post dated a payment, and was absolutely SHOCKED to find out the payment had not posted on XX/XX/XXXX, when I called on XX/XX/XXXX to make another payment. I am a Mortgage XXXX, and am very diligent in keeping all of my accounts paid on time. The reporting of this late payment has prevented me from getting a mortgage license in the XXXX of XXXX. I have pleaded with Wells Fargo to correct this error. I get a run around from XXXX person to the next, with a different story from each person I speak with. PLEASE help me get this XXXX day late payment removed from my credit report. I paid the account ON TIME.
I have a Macy 's AmEx. Yesterday I received an unsolicited issue of XXXX magazine. The mailing label said " Macys American Ex '' and listed my address ( not my name ). Immediately preceding " Macys American Ex '' was the password to my Macy 's account ( which has since been changed )! So not only did Macy 's not keep my password private within the company, it sent it to the magazine publisher and through the USPS!
Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated.
I have a federal student loan with Navient. I have come into a situation in where i am on XXXX due to and injury. i expressed this had ship to Navient and asked to defer my payments and they placed me on forbearance instead.
Portfolio Recovery is the debt collection place and they havent stopped blowing up my phone since XXXX, even after changing my number, blocking every number they call from. Last phone call was on XXXX XXXX, XXXX at XXXX. They know I have had my identity stolen and am going through the XXXX process and they still wont stop.
In XX/XX/XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the XXXX late finding would be removed. I made the payments and then the loan went back to the regular lender. However the XXXX  late fee was never removed after many requests. Finally in XX/XX/XXXX the loan was consolidated by XXXX. However XXXX still will not remove the XXXX late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
I bank with Bank of America. There are two transactions made on my account without my authorization. On XX/XX/XXXX {$420.00} and XX/XX/XXXX {$450.00} at a United States Post Office. I submitted a fraud claim with BOFAXX/XX/XXXX I also filed a police report on XX/XX/XXXX case number # XXXX. Later I was contacted by detective XXXX XXXX that since the purchase 's were made at a Government agency he could no longer assist me. He would forward this to the USPS inspector. BOFA gave me a provisional credit of {$870.00} on XX/XX/XXXX. However, on Friday XX/XX/XXXX I was informed they are unable to pay and all credit 's given to me would be withdrawn from my account on XX/XX/XXXX. I was told by the bank that my card and pin number was used for both purchases. I gave them the police report number and told them I can prove I was at work ( time card/human resources ) at the time and date of transactions. I initially asked to retrieve video because it was at a Government facility. I called the bank again this morning XXXX I was given the reason of denial to be " after reviewing a pattern of my account this did not fit to be a fraudulent purchase ''. I'm at an utter shock after I told them I have proof that I was at work, I filed a police report so I can press charges and asked them to pull video. After all that it was still denied! It may not seem like a lot, but {$870.00} is a lot of money to lose. This has caused a major stress. Please help me.
I continue to receive calls from XXXX that will not leave a message but if I pick up the phone it is an automated message stating they have attempted numerous times to reach me with no luck and if I do not respond they will advise their " client '' on further legal action. They provide the number of XXXX to call and give my statement so they can provide back to their client. 

First of all, I have NOT received ANY written correspondence from this so called scam artist business that claims to be " XXXX '' I want this company to stop harassing me when they are obviously a scam debt collection company.
This is the THIRD complaint I am filling against Campus Partners within the last couple of months. 

The last complaint ( Case # XXXX ) was sent on XX/XX/XXXX. It has yet to be responded to within the Consumer Financial Protection portal. The most recent response was to the first complaint in which they claim that I had not sent necessary paper work over the past year. They neglected to mention that I have been calling them to check the status of my account and faxing completed paperwork for the past year. 

Finally, on XXXX/XXXX/XXXX, I was able to reach a knowledgeable customer service representative, XXXX -- employee # XXXX, who researched the correspondence and discovered that I HAD initially sent the CORRECTLY completed paperwork in XXXX XXXX. As a result, she in turn apologized, corrected the issue, but unfortunately only sent correspondence to XXXX. Shortly after, I noted the one-sided correction, I filed another complaint requesting Campus Partners to correct the issue by sending CORRECTLY UPDATED information to ALL XXXX credit bureaus. 

Since, I had not received a correspondence through your portal from them, I checked my credit report today XXXX/XXXX/XXXX at XXXX ( I hand't done so during the weekend ). 

I was INFURIATED to see that rather than correcting the issue by sending the properly updated records to ALL XXXX credit bureaus, they, AGAIN, sent derogatory information to XXXX stating that I have defaulted. 

NOW my credit report states that I am defaulted on the same loan that XXXX, employee # XXXX, told me was originally misfiled in XXXX of XXXX, and shortly thereafter on XX/XX/XXXX she sent updated information to XXXX. 

After seeing this, I called Campus Partners today, XXXX/XXXX/XXXX, at XXXX XXXX. and spoke to XXXX, employee # XXXX. Initially, XXXX stated that my account information was unavailable because the information was being transferred. After I demanded an explanation to the recent errors on their behalf, she was able to locate a screen shot of my account and claimed that she would correct the issue by sending the proper update to XXXX, XXXX and XXXX. 

Unfortunately, I do not have faith that matters will be properly handled, as this has been an issue for an entire year. It took an ENTIRE year for them to ADMIT to THEIR error, which caused ME to be seen as an unworthy credit applicant.
A number of months ago I paid off a {$11000.00} balance on my XXXX XXXX XXXX. Transunion never reported the payment on my credit report. I submitted a request to Transunion to inquire/correct the balance. Instead, Transunion improperly deleted the entire account, adversely affecting my credit history by deleting the longest open account. They told me to ask the creditor to report the account to them. I did that and was told it was reported to Transunion, but the account remains unlisted. 
Also, XXXX sold all of it 's XXXX credit card accounts to XXXX XXXX XXXX, transferring balances. ALL the credit reporting agencies incorrectly report account history starting from date account was transferred from XXXX to XXXX instead of from start of XXXX account. In my case, XXXX was opened in XX/XX/XXXX and XXXX replaced it in XX/XX/XXXX, incorrectly deleting 7 years of open account history and adversely affecting credit scores.
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor Experian reports reflect this information. In fact, both show that as recently as  XXXX   XXXX  , 2017, the accou nt was still reporting a {$360.00} balance owed and is still in collection status.     This account does not appear on my  XXXX  file.
Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.
Also involves the phone number XXXX. 
I have already made payment arrangements with the collector and their website shows the payment arrangement. Even after making an arrangement they still continue to call me. They continue to call me multiple times per day and 1/2 of the time their automated system just hangs up when you answer. The rest of the times the automated dialer tells you to hold for an important message and then you sit on the phone waiting for a representative who tells you that you need to make a payment even if you've already made an arrangement. they still continue to call me anywhere from 4- 8 times a day.

phone calls begin at exactly XXXX XXXX and continue throughout the day even if you've already spoken to somebody.

Also, I just made a payment two days ago and I am not even past due anymore but they still keep calling me
My mortgage was transferred from XXXX to JPMorganChase beginning XX/XX/2015. When I went to pay Chase, I did not have an account number. I contacted phone number given and was told to pay to XXXX as transfer was n't set up yet. I paid XX/XX/XXXX payment to XXXX. I received account number and paid XX/XX/XXXX payment to Chase. Chase returned payment. I called and automated message said my first payment was due XX/XX/XXXX. By not accepting my payment Chase has increased my interest. I was concerned that no payment XX/XX/XXXX would effect my credit so I checked my credit report and learned that I was shown as owing mortgage amount to both XXXX and Chase -- doubling my debt. Details for XXXX did not include my XX/XX/XXXX payment.
I received a letter from Ocwen dated XXXX XXXX, 2016 stating the property address in their records does not match our property. The property address listed in the letter is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and our property address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen also has lender paid mortgage insurance and the property address on the policy is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''
I have received a " Monthly Loan Statement '' from Clear Spring Loan Services each month for several months stating I have an outstanding principle balance of {$70000.00}. This supposed debt/loan is not identified in any way and is addressed with an incorrect middle initial. I have absolutely no outstanding debts that are not current and that I am not fully aware of. Therefore, this loan either belongs to someone else, is a fraud/scam, or is an attempt to collect a debt that has been paid/discharge. 

Despite the fact that I expressed this to Clear Spring in writing one month ago, I just received another Loan Statement dated XX/XX/2017 and have received absolutely no response to my concerns. I would like this practice to stop immediately.
I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information.
Two accounts on my report were determined invalid previously in the amount of {$310.00} and {$310.00}. They have been reinserted illegally without written or any form of notice.
I was repaying my student loan to navient in which it was  XXXX  intereste. I ended up with  XXXX  and had a  XXXX . I needed to call them to reschedule and keep the  XXXX  interest with the payments I was making, I unfortunately was unable to call them so they now have raised it to 10 % and over {$15000.00} and interest was added. I borrowed  XXXX  and I know all them  XXXX . The cosigner is my husband we are willing to make payments I am on  XXXX  but they will not lower back down to 4.0 % interest
In XX/XX/XXXX I purchased a home in XXXX XXXX with my VA loan financed through XXXX and serviced by Dovenmuehle Mortgage. I purchased Flood Insurance from XXXX with {$170000.00} Building & XXXX contents and a premium of {$1900.00} per year. On XX/XX/XXXX XXXX mailed a renewal notice to my lender. My lender, at its sole discretion, chose option B on the bill and purchased additional coverage without my consent. I did not catch this until XXXX when they tried to raise my mortgage payments. 
XXXX said they are required to provide XXXX options by XXXX. I think this is unethical. 
When I called XXXX the XXXX time they just told me the premium increased. They did not tell me they purchased additional coverage instead of renewing the policy I already had. They chose option B which is {$190000.00} building, {$26000.00} Contents with a {$2100.00} premium. I NEVER Authorized them to add coverage. When I questioned them more they told me it is their standard operating procedure to " pay the highest premium on the bill ''. Again, this is unethical. The way I see this is XXXX is mandating bill 's to be sent with an option to increase coverage, mortgage companies are " automatically '' purchasing the increased coverage, and the Insurance companies are getting rich off unsuspecting customers that trust their mortgage company is doing the right thing instead of padding their books and policies. This was not a force placed policy. It was only a renewal.
I have personally contacted XXXX, Experian , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and  others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.
Ocwen received XXXX payments inadvertently in XXXX. XXXX on XXXX XXXX and the other on XXXX XXXX. XXXX reps on two different days said they would reverse the payment back to my credit union. They reversed the payment on the accout but never sent the money back to the credit union. They put it in a suspense account! As of today, the payment has NOT been sent back to the credit union NOR has it been reapplied back to my mortgage. They have charged a late fee and sent me a past due notice!! THEY HAVE THE MONEY!!! I needed the payment back to pay on my son 's remaining hospital bills as well as my utilities and other bills. I explained that when I called on XXXX XXXX. A while back, they had me to fax a statement to them about my paying them at the end of the month due to the hospital bills so they would stop calling my home. It was very upsetting, as is this situation! They purposely kept both payments and the second payment is just sitting somewhere!
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point. 

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX
On XX/XX/XXXX I received a notice that PNC had flagged my account for a payment being 30 days late. Here is the issue, over the last 4 years I've never had a late payment. This apparently occurred because I traded in my car at XXXX XXXX on XX/XX/2018 and the dealership didn't pay off the loan for 30 days. I reached out PNC customer service to which I was told by the agent that she agreed the account was settled, had no idea why a late flag was made to the credit bureaus. However, she said there was no way she could correct it and that I had to write a letter to PNC. I wrote the letter and called the executive care team to which I was told it can't be fixed since the dealer paid the loan late. 


The other part of this situation that is considerably frustrating is that on XX/XX/2018 I received a call from PNC in which they were asking if I was making a payment this month to which I replied the vehicle was traded in on XX/XX/2018 to which she replied she would make a note. She did not mention anything in regards to sending a note to the credit bureau for a late payment. I would have made the payment over the phone and just waited for PNC to refund me the overage. 

In the end, I just want my credit report fixed. I have never had a late payment on my report my entire life. This late payment has dropped my credit from a XXXX to a XXXX.
Received letters from XXXX attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX GE Money Bank ( Statute Account ) Letter received is dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Hello, I am asking the Consumer Financial Protection Bureau for assistance with reference to my mortgage/home loan. 
I am a victim of predatory lending and now my home is in jeopardy of Foreclosure. I am trying to resolved this matter with the current loan servicer, Ocwen Loan Servicing LLC, and XXXX Solutions. 
I have made multiple attempts to secure an affordable mortgage payment based on my outstanding loan value which exceeds the current value of my home. 
Due to multiple service handlers, lack of proper communication, XXXX servicer inconsistencies, excessive fees and other circumstances, which has forced me into this position of mortgage/loan arrears. 
As a consumer, i feel that my rights have been violated and I am seeking some assistance with this matter. 
Attached is a full letter explaining the details of my complaint. Thanks for your help.