WillisBack/dataset-financial-user-claim huggingface dataset:
I qualify for a loan forgiveness program because I work for a XXXX. FedLoan got my loans, and did not inform me they were my loanholders- or that I had my first payment- until three days after that first payment was due. They then informed me via mail, email, and on my account info that my payment date was the XXXX of each month, but they 've been charging me TWICE a month ( the XXXX and XXXX ) and refused to change the loan due date until I was current, which is difficult to do with my finances and the fact that they 're asking for over {$300.00} a month from me. I just managed to do it days ago, and informed them of such ( they asked me to tell them when I was current so they could help ), and they still have n't changed my due date to a singular date on the XXXX, which means that they " ca n't '' change it until I pay them another {$150.00} because that extra payment was due today. From talking with friends and family who use FedLoan, this sort of theft seems to be common with them, and of course no one reports it because only " a few hundred '' gets swindled. I 'll happily pay back my loans, but I ca n't pay them back if the money does n't physically exist to do so. At no point did FedLoan EVER inform me that I was on any sort of " twice a month '' payment plan, and even looking at my account info right now it says I pay on the XXXX. Not the XXXX AND the XXXX.
In XX/XX/2016 Experian incorrectly reported late payment for XXXX.
On several occasions, Portfolio Recovery Assoc. and Portfolio Recovery called my cell phone after I told them several times that they did not have my permission to contact me. They called while I was at work, at home, traveling and at church. I told them every time for months that I did n't want to be contacted any more unless by mail. They called on many occasions telling me that they were process servers and they told me to stay where I was and do n't leave because they were on the way to serve me legal papers. They even described the other places close to where I worked. I have had anxiety attacks and panic attacks over the phone calls they have made to me. I requested that they send me information verifying that the debt was mine and I never received any letters from them. I also asked them to close the account and they told me that was n't possible.
I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card  until it was received and could not use it for the $ XXXX/night reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Chase wants to state that " if used properly '' the account number would have auto-populated, it did not and my husband is witness to that. I would not have called Marriott OR Chase had it populated. When I was on the line with Marriott AND Chase, the approval page was still up on my computer and I told both representatives this information and neither one knew what was happening.
I am a XXXX XXXX XXXX and qualified for XXXX loan forgiveness. In XX/XX/2017I submitted my loan verification form to navient. They did not fill out the form correctly. They did not put the right amount I owed on my student loan. I was told by XXXX to have them fill out the paperwork again and resend. In the last 10 months I have called monthly and sometimes even every two weeks to get them to fill out the paper work. They have told me it was resent when I call XXXX they have not received. Ive asked for it to be sent to me multiple times. After ten months they finally sent me the paperwork but it was not filled out. I am having to fax the documents to them again to try and get them to put the correct balance. Meanwhile my loan would have been paid off last year by XXXX but since the did not fill out correctly I still have a balance and they are collecting interest daily.
My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different " supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment, loan transfer or a loan pay off. I demand that the loan is closed out immediately.
This is honestly so overwhelming I have about {$74000.00} in debt and I paid over {$500.00} a month for about 10 years and its over {$20000.00} more than originally XXXX I got shoot probably more than that every time I go into some kind of a forbearance or something because Ive been in and out of jobs when it goes back and repayment its always like oh you owe XXXX dollars your first payment is over 1000 and your payments are over 500 a month ill submit them on my paperwork and my income and then I think Im getting on a payment plan and Im getting forgiveness I paid over three other service companies money only to resend that because now then it gets involved again and then they just end up consolidating me and sending me paperwork I never signed for your eye think Im getting student loan forgiveness and I was in a consolidating my loans again with knobby aunt never what I want to do I keep thinking Im getting steam get forgiveness through the government but Im still with knobby aunts after like four times My loans go from XX/XX/XXXX to XX/XX/XXXX with consolidation dates all the way up to XX/XX/XXXX
I received notification that a $ XXXX balance was posted to my credit report from a company called Penn Credit Corp , attempting to collect for XXXX XXXX XXXX. This was surprising, since I have not even lived in XXXX for 5 years and had always paid my XXXX bills on time. 

Penn Credit Corp and XXXX have not been able to prove to me how I incurred these charges. My account on XXXX 's website doesn't even work anymore, so I have no way of checking myself.
This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid XXXX of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
I have been a long time customer with US Bank, I have a checking account, a debit card and a savings account along with two credit cards with USBANK. 

Since XXXX of 2018, US Bank 's Debit Card chip stopped functioning. 

I called and had a replacement sent out, it did not work -- every place I use it gets an error. So I called and they sent another card. 

THAT card chip doesn't work. 

So every time I use it, I get a decline notice, I have to have the cashier try again and again and again until the system allows them to bypass the chip. 

I called in XXXX twice, XXXX, XXXX and XXXX. 

US bank only offers to replace the card which requires me to update all my billers, only to get the same result of the card not working. 

Clearly a pattern has been established after 3-4 cards now that there is an issue with the chip manufacturer or technology and rather than address it US bank just keeps sending out bad cards. 

I've asked that they investigate, but I've been told its not something they can fix, investigate etc. 

At this point my money is not available to me. I can not use self service stations. I have to beg cashiers to run my card until they can bypass the chip technology. THis has to be addressed.
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX TransUnion Consumer Solutions, XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX CHARGE OFF XXXX/TU XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX and XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Portfolio Recovery Associates Says That They Purchased A debt From Someone That 's Mine From 2008 And Is Trying To make Me Pay a For It. They Have Been Harrassing Me Consistantly And Their Staff Used Intimidation Tactics On Me And purposely Put Derogatory Marks On My Credit Report. They Are Absolutly Aweful People And I Want This Harassment Of An Expired Debt To stop.
I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.
We had a 2nd mortgage discharge thru chapter XXXX bankruptcy in XX/XX/XXXX. 
we were not aware that after our property gain equity they could come back traying to collect the debt. in XX/XX/XXXX we received a letter that look suspicious with a company name that we didnt recognized as the lien holder we open the mail and they send us a past due notice for the full amount of {$280000.00}. 
After checking with the BK lawyer to see what we had to do we contacted Trinity Finacial services, llc. for the firt time trying to see how we can work this issue. they say they obtained the loan and wiil work with us refinancing the loan thru them they send us an application and we returned it to them XX/XX/XXXX. after that it was obvious that they were not trying to work with us it was either accept our terms or we will proceed to accelerate forclosure. we ask them if we could work a payoff amount and they said for XXXX they will settle. thru all this proces we keep asking them for copy of the note or documentation in how they obtained our loan and they never provide anything to us. they continue with the forclosure processed and we couldnt hire a lawyer due to lack of funds we pretty much continue making payments to our first mortgage and the foreclosure sale date from Trinity financial services was sent to as to be executed on XX/XX/XXXX. we do n't know how Trinity financial services, LLc. put their name on the trust deed of sale. we received a copy from the county of XXXX as a courtesy. Right after that we received an unlawful detainer from Trinity Financial Services, LLc. Lawyer, we went to court and the judge ask for as to request 30 days from Trinity Financial so we could leave the property and we did we obey the law and get out of the property by XX/XX/XXXX. 
we continue checking with the first mortgage to find out if Trinity Financial send them the payoff and they never received any information from them. second week of XX/XX/XXXX I received information from an ex neighboard letting us know Trinity Financial Services, LLC. accepted an offer on the property and I decided to contact our XXXX to find out if they requested a payoff and they informed me that no the only request was the one I submitted, i told them I did n't request any payoff to please email the information to me and they did to our surprise Trinity Financial Services, LLC. was requesting the payoff with the authorization to release information that we give them 2 years ago for the only purpose of refinancing our loan. Is this shady or what after all we being going thru we tought for our peace of mind we have to submit this complaint to this office the sense of failure by loosing our house is bad enough and if all possible we would like to know if this is legal. And maybe if other people read the complaints that will help them.
-Monday XXXX XXXX - Pre-printed sheet of paper was taped to my door ; no name no signature, printed text said to " contact your mortgage servicer '' and a hand written toll free number. 
Spoke to Bayview, to asset manager XXXX XXXX. 
XXXX XXXX explained that after the one year of the forbearance term, the mortgage was behind {$11000.00} and that it had to be modified. 
XXXX XXXX explained that in a few days I would receive a packet of forms from XXXX, to contact them when I got these forms. 
-Tuesday XXXX XXXX - ( No forms have arrived yet ) Found a blank envelope taped to my door, inside found a pre-printed note saying " contact your mortgage servicer '' with a handwritten toll free number. 
-Wednesday XXXX XXXX - On XXXX XXXX, XXXX I received a letter from Bayview informing me my mortgage had been sold. According to the latest MERS record I received from Bayview in XXXX, the mortgage owner was XXXX Bank ; the new owner is " Mortgage Fund XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX XXXX, MN XXXX, phone listed as XXXX. 
This address and phone number belong to XXXX Bank. 
I searched the web for " Mortgage XXXX XXXX XXXX XXXX '' and its variations : no results. 
Spoke to the XXXX State : no records Spoke to the XXXX : no records for " Mortgage Fund XXXX XXXX XXXX '' -Thursday XXXX XXXX - Visited the above address to find a corporate office building belonging to XXXX Bank XXXX Inside spoke to an information representative who searched their database using my driver 's license ; the representative ( XXXX ) found no records with my name. 
-Friday, XXXX XXXX, XXXX - Called the Foreclosure Dept. at XXXX ; this number was given to me by XXXX at the information desk in the hopes they might have more info. 
Spoke to XXXX who transferred me to " XXXX XXXX ''. XXXX explained they have no access to mortgage records of mortgages sold to other creditors, she suggested I talk to The Consumer Protection Bureau at XXXX. 
Spoke to XXXX at Consumer Financial Protection to whom I relayed my situation ; XXXX explained the complaint submission process and how long it would take. 
I have not attempted to contact Bayview Loan Servicing regarding this issue of creditor transfer because they will ONLY respond to a lawyer and I have already incurred {$2300.00} in legal fees trying to get information from Bayview in XXXX.
This company needs to stop harassment immediately. They should stop making false claims. They need to seize all contact. They need to stop stalking me.
On XXXX XXXX I paid off my wife car over the telephone with Capital one auto finance and they ACH the payment from my bank account. 4 months later I was checking my credit history on my capital one phone app and it showed me owing a balance {$270.00} I immediately contacted capital one cutover service and after 3 hours of them hanging up the phone on me I finally was able to reach XXXX ID # XXXX and he was the only one who showed me respect and was sincere in trying to help me. He gave me his extension number of XXXX he also connected to the president hotline and I talked with XXXX ID # XXXX and she said they would look into it and contact me back before XXXX and she did. She told me that a supervisor listen to the recording of my payoff from XXXX and that I was XXXX correct and the issue would be handle ASAP and the negative remarks would be removed from my credit report and that I would not owe anymore money for my car since I paid it off in XXXX. I asked why was I never notified and it took me calling four months later and she could not answer that question. I also asked if I would receive my title she said yes. Today I received and letter from capital one auto finance that said notice of strict enforcement of contract rights defending {$270.00} from me or my car will be repossess. I think this serious abuse of Captial one trying to bully me and it 's not fair. Please look into this matter for me. 

Sincerely XXXX XXXX
Fact that Wells Fargo Bank thousands of Borrower denials for Mortgage Loan Modifications on otherwise eligible Borrowers is with clear documentation. Class Action Suits are pending. Wells Fargo denial in my case, was because they claimed my income was from Social Security only, ignoring the self-employment that qualified me for the XXXX in the first place. After denial of an Appeal, Wells Fargo Claims, due to a different address on my Tax Returns and fact I live and work out of the XXXX, with utility Bills paid by others, I had no proof I lived in the Home. Final denial was because I resided in the XXXX using it as XXXX, and made transfer property into " Charitable Trust '' thus, I did not pay property Tax, Wells Fargo said Balance on the Loan would be do because I sold the House, which again they were in error, as I retain ownership when XXXX is in that " Charitable Revocable Trust. ". As an ex-employee of Wells Fargo I 'm aware that any government insured loan, this Bank forces recourse option with any loan in default to collect from the government, lies about possibility of approval of a modification, using the Scammer Tactic, I.e., claiming " from initial information on your application '' wait for an underwriter approval prior to making further payments as your modification will be approved, while at the same time processing the XXXX for foreclosure to collect from the government.
About 2 years ago I reached out to you twice for some assistance dealing with Bank of America as they refused to work with me on several of thier options to prevent foreclosure for which i qualified. I lost the property but just received a check from them for XXXX dollars because they wrote that they may not have provided me with the level of service I deserved.
I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check.
The complaint relates to unsavory practices on behalf of the mortgage lender. The applicant only has social security benefits as declared income and it alone will not suffice. The processors have recommended that I make a " distribution '' for a period of 3 months only of {$2900.00} from my IRA to satisfy Federal Agencies Requirements. It appears fraudulent on it 's face and deceptive in its action. I can not morally do this.
A processor, in order to secure a document, asked that I log into my Bank account using her computer so she could use the URL to secure a deposit of mine made to my bank.
I have never been told that I have a mortgage commitment without contingencies, but one day ago I received an attorneys missive telling me about a closing.
XXXX XXXX has broken several laws and has ignored all consumer debt collection rights. I have received several calls after the set time of statute of limitations as well as trying to reach out in regards to XXXX XXXX robo signing my name for some agreement that I am unaware of terms. Please see cases 1 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County District Court XXXX ) XXXX XXXX XXXX vs. Our ClientXXXX ; XXXX County Justice Court XXXX, 2 ) XXXX XXXX XXXX vs. Our Client XXXX ; XXXX County Justice Court XXXX. Ive tried to dispute the collection as they are not my creditor and since ive been harrased by them so many times I would like the collection removed. A dispute took over 35 days and still not removed.