WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I received a notice from Portfolio Recovery Associates that " unless payment or satisfactory arrangements for payment are made with our office no later than XX/XX/XXXX, we intend to file suit in the proper venue and court within California ''. 
On XX/XX/XXXX, I contacted Portfolio Recovery Associates and spoke to both XXXX XXXX and also XXXX XXXX ( operations manager ). I established a monthly Repayment Agreement of {$75.00} per month, due on the XXXX of each month, starting on XX/XX/XXXX. 
On XX/XX/XXXX, I made my first payment of {$75.00}.

On XX/XX/XXXX, at XXXX, a man knocked on my door and served me summons papers that I was being sued by Portfolio Recovery Associates .

This was after I had already established a Repayment Agreement with the company. I immediately contacted the company to ask why this had happened. I spoke to both XXXX XXXX and XXXX XXXX. I was told the lawsuit has already been in process when I set-up the payment arrangements even though their letter said to contact them by XX/XX/XXXX.I confirmed that the attorneys who filed the suit worked for them. I fail to understand why, after I set-up a payment arrangement, the suit was not dropped, even though 3 weeks had passed from the time I set-up the arrangements and the suit was filed.
Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note '', with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP , LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP , LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP , LLC responded by sending a copy of the " Note '' and Deed of Trust on XXXX XXXX, XXXX. The copy of the " Note '' had been countersigned by the Vice President, of GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, " Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864, Section 27. Also in this XXXX XXXX, XXXX communication from GATEWAY MORTGAGE GROUP , LLC, XXXX XXXX, Director of Operational Compliance stated " XXXX XXXX is the holder of your loan and Gateway Mortgage Group , LLC is servicing your loan. '' This is a breech of the contract signed on XXXX XXXX, XXXX with GATEWAY MORTGAGE GROUP , LLC, being the Lender. There was no agreement in the contract to sell, assign, or transfer the " Note ''. Neither was this disclosed to the borrower at the time of closing. GATEWAY MORTGAGE GROUP , LLC is also in violation of the National Currency Act 1863/1864 Section 28 and Section 53.
I was under the impression, based on comments by reps I spoke to and chatted with online that I would be credited the XXXX interest charge of {$85.00} from XX/XX/XXXX, then again the interest charged on {$78.00} onXX/XX/XXXX. Now, multiple times, when I brought this to multiple reps attention, I got a corporate cookie cutter response and they acted like they never even looked deep enough to find this promise. I got the standard " Fees are charged '' .. Blah, response. I want this promise fulfilled as I expected this
I am appalled at your notification CFPB announced a {$35.00} XXXX fine for Citibank. In addition, it has ordered the bank to reimburse {$700.00} XXXX to consumers who were victims of deceptive marketing, unfair billing practices and deceptive collection practices. 
Citibank was also charged with over-billing consumers and extracting excessive fees from consumers in collections. '' Citibank sent me a check for {$50.00}. How do I know that this is a fair amount? 
Is there a class action suit against the bank because of their fraudulent practices? 
If there is, I would like to join. 

Thank you for your attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX
Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere.
I applied for and received a mortgage through XXXX XXXX, a company in Utah. After receiving my loan, they sold my mortgage off to XXXX with the stipulation that I paid my first months mortgage ( Due XX/XX/XXXX ) directly to XXXX. I wrote and sent my check on XX/XX/XXXX for the amount of XXXX. It was processed and went out of my account on XX/XX/XXXX. There was also another payment that went out on the same Check number for the amount of XXXX. I did not authorize this amount and never wrote a check for this amount, nor is it possible to write a check for a different amount using the same check number. After contacting my Bank and XXXX XXXX on XX/XX/XXXX, It was made known to me that Wells fargo, the lending company 's bank, was the one in error. It was said that they possibly paid someone else 's mortgage with my Check information. My bank said there is nothing they can do, such as a stop payment, because the check went through. I am not sure why this is possible that that same check number was used twice. I was told to be patient and that Wells Fargo would fix the matter. I contacted my bank and again was told that there is nothing that can be done on their end, meanwhile my account is overdrawn and I am missing XXXX $ from my account. I called XXXX on XX/XX/XXXX and am told that they can do nothing unless the mortgage company calls in. I am still without my money, that I did not authorize to be taken from my account, and I am unable to pay bills or even deposit money into my account since it is in the negative.
I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never heard of this company until they filed a debt in the amount of {$1400.00} on my credit reports. This company has listed a XXXX XXXX XXXX as the original creditor. Again a company I have never heard of or had any contract or business with. I requested validation of debt via credit bureau dispute on XX/XX/2018 when I first learned of this account reporting on my credit report. This company returned the results on XX/XX/2018 as " accurate '' still with no verification. I do not have or never had any debt with this company or a XXXX XXXX XXXX. I have never received a phone call or any written correspondence from either company. I have sent a request via certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting validation of alleged debts including amounts and for what product.
They called my number looking for XXXX XXXX I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for XXXX. They will take send it to collections and come after me and they will call back again.
I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.
I purchased XXXX XXXX cards in the amount of XXXX.This took place from XX/XX/XXXX to XX/XX/XXXX.I contacted my credit card company to dispute these charges and was told there was nothing they could do.I did this for XXXX XXXX XXXX, phone number XXXX.XXXX promised to pay off my credit card balance, which he started to do but the funds were no good.There were no funds to back the scheduled payment, therefore it left a gap in time and led me to believe the funds were good.Why would Chase not back me up with this type of fraud.The funds never became available.I have been a victim of a very deceitful scam and my bank has abandoned me.
I arrived at a money gram location to pick up a wire transfer that was not available as promised. The money was tracked as available for pickup prior to my arrival at XXXX on XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD / ( XXXX ) XXXX.
This morning,  X/XX/17    i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have  XXXX  accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all  XXXX  accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.
I am a victim of the illegal practices conducted by Navient. I was contacted by phone by an automated system letting me know I can request forbearance of my loan and then I was emailed and was asked to reply with a simple " Yes '' in the email if I wanted to participate in forbearance. I have done this 3 times because now I am in a cycle of increasing the interest on my loan and not earning enough money to pay it. I thought the emails were too simple a solution to my problem but I had trust in Navient and their solutions and debt managing. I do n't know what to do but I am glad that they are being sued by the Federal government.
Someone keeps trying to apply for credit cards in my name. XXXX card was applied for again yesterday while I was at work! This has happened several times and Ive already reported it but Im not sure if the other inquiries got taken off either. I have been building my credit score back up and this keeps pulling it down. I have not applied for a credit card at all.
once again Equifax reported reporting an account as current all last year and then this year they are reporting it late for a whole year. My XXXX XXXX account was reported as current all year in 2017 and now they are reporting it as late the whole year.
I live in an area affected by hurricane XXXX. I had an open claim for XXXX double billing my account when I had canceled XXXX and switched insurance companies. Bank of America wanted me to complete and affidavit but I was unable to return it due to evacuating XXXX Florida. XXXX they reversed my credit for {$530.00} which overdrew my account. I then called BOA and they sent me the affidavit which I immediately faxed it same day ... I have called BOA 6 times since then in last XXXX weeks. My account is still negative and I do not owe allstate any money. I was out of work and unable to access the little bit of money I had in that account. I even offered to call XXXX on XXXX way and they would n't.
Received a trial modification payment plan to begin on the XXXX of XXXX for 3 months. The payments would be XXXX, XXXX and XXXX. Once I processed the final trial payment to pay on the XXXX of XXXX I called. BofA talked with XXXX call center staff and both informed me I would just continue in XXXX XXXX period and there would be no change to my loan. Other then my loan would be extended 10 years. No change in interest rate, no change in the amount of the loan, just that my loan would have a additional 10 years. I missed 3 payments during my husband 's emergency XXXX XXXX. BofA is now placing 10 years to my loan for missing 3 months of payments. The only modification that i have received is 10 additional years to my loan. Made numerous calls to XXXX XXXX at XXXX. With no return call.
To whom it may concern, I am writing you because XXXX XXXX XXXX has giving me a hard time trying to apply for a loan modification. It is more than 6 months trying to get help save my home. 
I called XXXX XXXX XXXX who is my lender asking for help because the 3rd income that I had moved out and that cause a big hardship on our income. 

Now we are 4 month behind and XXXX XXXX XXXX trying to get a loan modification, XXXX XXXX XXXX keeps telling me that they are not going to help me because the Investor of my loan is out on vacation and returning until XXXX. 

This is ridiculous to me since its almost 1 year seeking help and still no results. 

Please help. 

XXXX XXXX
I am a victim of identity theft and I am disputing the following unauthorized and fraudulent inquiries : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX. The unauthorized and fraudulent inquiries do not belong to me.
I continue to be charged interest on purchases even though I am still within the 0 % promotional period on purchases until XX/XX/XXXX. I contacted American Express after I noticed this on my first statement in the amount of {$21.00} The customer service representative reversed the interest and credited my account. He said that it was a known issue and it was now fixed and I would no longer have a problem. So, when I received my XX/XX/XXXX statement, I had the same issue. I was charged {$41.00} in interest on purchases. I contacted customer service and again was told that this was a known issue for some customers and they were working on a solution. I was informed that it would be resolved. This time I was not issued a credit back to the account. Please see attached documentation. Thank you so much in helping to resolve this matter.
I have tried two times to get ALS/XXXX XXXX XXXX XXXX to correct my payment history which shows the following incorrect status : XX/XX/XXXX - 180 XX/XX/XXXX - FS The home with which this loan was associated sold on XX/XX/XXXX. As part of my attempt to resolve the incorrect payment history, I sent copies of the settlement statement and the XXXX I received from them showing the date of disposition. Despite the above, no change to my payment history has been made. I also had a second with XXXX XXXX on the same property and that history is accurate.
This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.
I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against Experian, XXXX, and XXXX and have them take them fix these issues.
I 'm not accepting calls from creditors. I am unemployed. I have no real property and we are seeking a Chapter XXXX bankruptcy. I want these calls to stop on my personal cell phone.
We have previous complaints regarding this mortgage with PHH. I saw a response from PHH that listed a XXXX as a contact person. We had never been referred to XXXX through this process. Icalled XXXX on XX/XX/2016 and explained our situation. He toild me he was the supervisor in charge of all of PHH 's loan modifications. He said he would look into our issues and get back to me in a few days. I had not heard from XXXX so I called him on @ XXXX PST XX/XX/2016 and he told me that he was working on our loan modification and would have it finalized in a couple of days. He said he would reinstate our loan modifications and that we would have to bring the payments current from XX/XX/2016 to present. I said that would be fine. XXXX is when PHH stopped accepting our payments. XXXX would have been the first regular payment after the trial period. They had accepted two trial payments and the first was accepted by XXXX the previous servicer. XXXX told me that he would get back to us with the paperwork soon to get this resolved. 
Not hearing from him I called on XX/XX/2016 and left him a message asking about our loan. After no response I called XX/XX/2016 @ XXXX PST and left him a message asking about our loan and asked for a call back again. I called XX/XX/2016 again left a message to call me back please. After no response I called again XX/XX/2016 @ XXXX PST and again left a message to please call. With again no response I called this morning XX/XX/2016 and left a message to please call me. We feel we have no choice but to make another complaint. After the encouragement we we received from XXXX from our initial contact with him we are very distressed in the fact that we have not heard from him again for over 3 weeks. 
Phh should have stopped reporting negatively to credit agencies as of XX/XX/2016. They are still reporting negatively to credit agencies and this is negatively affecting our life in many ways other than economic.
An auto-dialer operated by or on behalf of Capital One Bank calls my home XXXX to XXXX times a day looking to speak to my mother, XXXX XXXX. She no longer is reachable at this number and I called Cap One XXXX to ask that they stop the calls to XXXX. Both times I asked to speak to a member of their Compliance Department and both times the request was denied. All I get is their standard " talk off '' along the lines of " it could take XXXX hours for your number to get removed from our auto dialer ''. The calls keep coming and this bank is stalking and harassing me. For the CFPB 's reference, please note that the callback number that their robocaller " XXXX '' asks for a return call at is XXXX. This is the number I called XXXX to ask that they calls stop.
You can pick your method of payment allocation, but they rarely follow your instructions. You have to call and call and call to get your credit card payments allocated correctly. On their 0 % promotions, they do everything they can to retain a balance so they can charge you 26.99 % interest. They have almost stressed us totally out. We are cutting up our card and taking our business elsewhere. They are not truthful with their credit card business.
I attended college from XX/XX/XXXX - XX/XX/XXXX. I borrowed money to attend. I was told by Navient when I requested the loans that as long as I repayed my loans after I graduated, then this would not be applied to my credit until after 13 months of graduation. I have never seen the actual statements that I signed to borrow money and do not know the actual amount that I borrowed. I never received any statements while attending college but see that my credit has been negatively affected due to this money since XX/XX/XXXX ( when I originally applied for the loans ). Now I am receiving statements from the department of education stating my loans were turned over to them and that I still owe $ XXXX. I do not know the exact number her I borrow but I do know that I never would borrow that much money.
Summit financial says I was late on car payments XXXX/XXXX/XXXX days when I ws under a chapter XXXX since XXXX/XXXX/XXXX. They we 're paid through the trustee so there 's no way try were payoff late.
The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last  Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.