WillisBack/dataset-financial-user-claim huggingface dataset:
I am extremely frustrated with Ditech. We have been faithful on our home mortgage for over 10 years now. We have never been late. Ditech has misplaced our payments causing me to go through grueling straints to prove we paid the amount and for them to find the payment. They have ceaced applying my monthly payments to our account and are repeatidly sending me loss mitigation paperwork. But, I have never been late on our payment. At current it shows I am almost {$9000.00} in the hole, yet when I contact them they state they have received my payments every month! They are not applying the payments to my account though. I contact our " account representative '' only to have to leave a message that is never returned. I am forced to make phone calls to them on a monthly, if not more frequent, basis. I am afraid my excellent credit score is being damaged by their mishandeling. I am past frustration and feel stuck. I do not know what to do and they ca n't seem to get their business straight.
Bank of America has just cancelled my credit card. I received no notice whatsoever and they will not give details to why other than it being a " business decision ''. My account had close to XXXX reward points that I have been accumulating for years and was counting on which will now be lost. I had an {$80000.00} credit line spending approximately XXXX monthly. I have spent over XXXX dollars over the last 11 years with them. I have never been late and always pay my bill in full. I have an excellent credit rating. There is no recourse nor contact to discuss this. It will eventually hit my credit report. Please help me.
My father was a XXXX Veteran. He purchased a home using a FHA loan in XX/XX/XXXX. In XX/XX/XXXX he passed away. None of the heirs are in a good enough financial position to assume the loan. I am the youngest son and I am actually living in the house right now but I am unemployed and do not qualify for a loss mitigation program. The house was put up for sale with no success. My father 's sister ( my aunt ) was interested in buying the house through the short sale program but I am told relatives do not qualify for this program. I find this rule discriminates against the relatives because it essentially allows non-relatives to purchase the home for a lower price than a true relative can. I, as a son would basically lose a home and the family would lose an inheritance if relatives are not allowed to use the short sale program to save the property.
My checking account was charged fees of XXXX for XXXX overdraft for 7 business day ( 9 calendar days ). On XXXX my checking was assessed an overdraft fee of XXXX for a check presented against my account ( XXXX ) for {$200.00}. My balance was XXXX after submittal. I received no notice in the mail on this item and was assessed XXXX sustained overdraft fees during this period. The first was on XXXX and the second sustained overdraft fee on XXXX both for {$30.00}. I understand the initial overdraft fee being assessed of XXXX. However, I find the sustained overdraft fees to be abusive and predatory in nature. Not long ago, sustained overdraft fees were generally applied after 10 business days. This time of 10 days allowed for the notification time that may occur for when a client may not be aware of this event. In my case, XXXX were applied before 10 calendar days occurred. Out of curiosity, I used an interest rate calculator to determine what this interest rate might be if I were to convert this small matter to a loan situation and I was told that the calculator could not estimate the rate because it was too large. So I adjusted the amount I was negative to XXXX ( but in reality XXXX ) against the total amount I would pay to rectify the matter of XXXX and the interest rate amounted to 192 %, which I believe is above predatory. I feel that 1 ) this matter is very abusive, borderline criminal. 2 ) the policy does not allow for sufficient communication time to allow for rectification IF it was determined that the abusive extra charges should be allowed to continue. Again, I do not believe Citizens bank should be allowed to pile on these types of fees with this level of ferocity. I do understand that Citizens bank is a business and that profit is their motive but this policy and practice is a pure money grab with little or no notification to it valued client/fellow citizen. Please feel free to contact me at XXXX, thank you XXXX XXXX
In  XXXX    XXXX   we contacted  XXXX   XXXX  to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager  of the local office,  XXXX   XXXX  got involved he personally had technicians come out and get our services up and running. This took a total  of 7-8 wee ks of frustration and consistent calling on our behalf to get it done.      XXXX  gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all.     They are attempting to collect the " outstanding balance '' and uses  XXXX  to come after us for it. After we detailed the trouble we had the first two months with  XXXX  they refused to continue collection efforts.  XXXX  now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.
XXXX XXXX XXXX placed a collection on my XXXX, XXXX credit report and Transunion credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
It took many, many attempts to find out how much our daughter owed on her student loan that was first issued through XXXX XXXX and then was sold to Navient. I as her father co-signed on the loan. They absolutely would not give us the payout amount. We finally had to have a three way conversation with the Navient rep, our daughter and us to get them to give us the pay off amount. Once that finally happened we paid it off as the interest rate was so high and we were able to refinance through our own bank at a much lower interest rate. We paid them what was quoted as the payoff thinking we were done with them. The next month they sent us another statement taking that payoff amount and stretching it out over two or three years worth of payments and said we still owed over {$700.00} dollars on top of that. We could n't get any answers so we then talked to a " supervisor '' who said it must have been a mistake and had no other explanation. We had to then go take out more money to finally be done with them. Navient was dishonest, thieving liars!! A terrible experience.
Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that the  Collection Agency & Creditor  have also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) : " Up on the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but may file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of   X/XX/2016    . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX   of 2016. Hen ce, if the creditor had indeed fulfilled its obligations under Florida  Statutes  to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in m y USPS change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.
Company is trying to collect a debt that is not mine. Company is showing a debt for a XXXX electric bill from XXXX XXXX. I have not had an account with this company since XXXX XXXX, and account was paid in full. I also have not lived at this address since XXXX XXXX. It was an apartment I was renting.
they all every hour I talk to each person telling them I have paid my det and to stop calling. but they will call back this has been going on for weeks now.
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XX/XX/2018. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XX/XX/18bat XXXX XXXX. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. XXXX XXXX XXXX  sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.
They call between XXXX times a day from multiple numbers and never leave a call back number or voice mail. Previously I 've spoken with a representative who refused to tell me any information about the nature of the call without me giving my social security number which I 'm not comfortable with. Prior to the constant phone calls I 've never received any communications from them by mail or otherwise.
I am writing in reference to a Released XXXX XXXXn that is reporting on my XXXX and Experian credit report as Serial No. # XXXX. The XXXX has been released since XX/XX/XXXX. I have filed numerous investigations in efforts to having this public record removed by phone, letter and online, the most recent was XX/XX/XXXX and it came back updated XX/XX/XXXX. This the same released XXXX XXXX was immediately removed by XX/XX/XXXX after 1 investigation. 
Under the New Law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN and DOB in order for it to appear in your credit file. XXXX or Experian has not updated their information and PER the New Law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit reports.
CIT Bank is denying access to my new online savings account. CIT Bank is heavily advertising its online savings accounts, especially on the internet. It is offering incentives for new accounts ( {$100.00}, if {$15000.00} or more deposited for three months ). I opened an online savings account on Saturday, XX/XX/XXXX and deposited {$100.00}. I received an e-mail on XX/XX/XXXX stating, " Your new CIT Bank account has been approved and is now activated. '' That same e-mail said, " To view your account online, click here. When prompted for your Online Banking ID and password, please use the same information that you created during the application process. '' However, when I click on the link, I end up in the endless of error messages, " Either your Username and/or Password do n't match our records or your account is locked. 

I sent an e-mail to CIT Bank that said, " I am trying to verify my account with the micro deposits placed in another bank account. Your computer system will not let me access my CIT account. '' I am dissatisfied with CIT Bank 's reply, " Thank you for contacting CIT Bank. For assistance with Online Banking information please call our Customer Contact Center at ( XXXX ) XXXX Mon-Fri XXXX ET, Sat XXXX ET and Sunday XXXX ET. We are here to help! Please let us know if we can be of further assistance. Thank you for choosing CIT Bank. '' I do not have time to phone CIT Bank during workdays. I am not home by XXXX XXXX. PT ( XXXX XXXX. ET ).
On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and TranUnion, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.
On XXXX XXXX 2017 I checked my PO Box and there was a notice there from a collection agency to the name of " XXXX XXXX XXXX '' I instantly called ( XXXX ) the number on the front of the letter and got a lady named " XXXX '' ( I think I really do n't remember her name. She asked me did I know the debt I told her I did n't and asked what this was about. She asked me to verify my last of my social or she would n't be able to provide me any information. I told her I didnt feel comfortable and she said she did n't know what else to tell me. I verified the last 4 digits of my social and she said I owed this bill. I told her I didnt know what the bill was and may I speak to a manager. She stated that I knew what it was and that I would need to pay it. She said it was in my name. I explained to her thats not even my correct name yes my name is XXXX but my last name is n't XXXX. I asked for a manager again and she then hung up. 

I called back ( XXXX ) and got a different lady. I immediately asked for a manager and she stated she was a manager and her name was XXXX. I verified the last of my social and information. She then stated that the debt was to A XXXX XXXX and that I lived at XXXX XXXX XXXX XXXX in XXXX XXXX MO. I explained to her I do not know that address and that is it possible for her to share the information on the application. She stated that application states " XXXX XXXX '' and a social of XXXX I told her thats not even my information she said yes it is they just misspelled the information on the application by accident. I told her you ca n't misspell any information. If it says XXXX thats not XXXX! I then told her again that was n't me and she said well get a police report XXXX XXXX or its going to stay in our office. I asked her why am I getting a police report when its not even in my name nor social but you put it on as if it was. I also explained thats not my last name and she stated well XXXX XXXX its going on your credit and and your job will know and we 'll see you soon and hung up. 

I called the company listed at XXXX and they could find any information with my name. The last stated it did n't make sense for a collection company to call me if its not in my name and I agreed and we hung up. 

I called the collection agency back and recorded the call.I go XXXX again and asked her could she send me a copy of the contract she said she could mail that out but was n't able to email the information. I asked her t verify all the information again and she complied and again none of the information on he contract is my correct information. I have attached the recording. 

They changed the name from XXXX to XXXX and that is totally ILLEGAL. You ca n't assume its someone else just because you feel as thou that is correct.
In accordance to FCRA Section 609, these accounts was further disputed in XXXX XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/XXXX/XXXX. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they deleted the items from XXXX report but not from the other XXXX credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why did they remove them from XXXX credit report ( XXXX ) and not from XXXX or XXXX? This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
Too many HARD PULL inquires .... I applied for a VA refinance their should have only been ONE Hard pull not Eight as it appears ....

This complaint -- inquiry is only about the refinance on my VA mortgage ... .. and no other credit ( Hard Pulls ) for other mortgage or credit cards ... ..
a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX
I XXXX XXXX XXXX, continue to be harassed by phone and email concerning my school loan. The call my home early in the morning and late in the evenings, repeatedly, causing me to change my number. My mother, XXXX XXXX, is being harassed also via phone and email on her job causing problems, which she plans to report to her agency 's police department. On XXXX XXXX, XXXX, I paid {$150.00} by credit card to XXXX of Navient, for a 3 month forbearance because I am having a hard time finding a full-time job and receiving public assistance for health insurance. I did n't have the {$150.00} to pay for the forbearance but Navient would only do it if I pay. The confirmation number for the transaction is XXXX. My next scheduled payment was not due until XX/XX/XXXX. I and my mother have been continuously harassed for payment since then. On XXXX XXXX, XXXX, ( XXXX XXXX est ) my mother spoke to a XXXX ( ID # XXXX ) of Navient and made him aware of my forbearance state in order to remind them and make them stop calling and emailing me. He had called my mother at work, again, that day to harass her. He said the harassment would stop but it never did. I am planning to file harassment charges with the police or other government agency if this does not stop. 

I would like for you to make them stop harassing me, clear my record in their records because I have not missed any payments, never contact my mother 's job again, and work with me to stall payments until I get a job or reduce the payments. 

PLEASE DO NOT SHARE MY EMAIL ADDRESS WITH NAVIENT.
XXXX XXXX is reporting a debt on my credit report for {$980.00} with due date of last report XX/XX/2018, last payment date is XX/XX/2018 and date of last activity is XX/XX/2018. I do not have or ever have knowledge of this debt they are reporting to the credit bureau. they report the creditor as N/A in the credit file. I called and mail the company many dispute letters to no avail. No original creditor is listed on their filling