WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted all necessary documents for a forbearance/deferment to be processed for my student loans, instead of processing paperwork someone in my borrowers office sent my paperwork to the Dept of Ed for default status, ( they did this behind my back even after telling me all my documentation had been submitted on time and they reassured me my loan would not be defaulted, ) I was told by the Dept. of Ed to contact my service provider to have them recall the loan but when I tried to contact them repeatedly I was stonewalled told a supervisor was reviewing my request but, there was not going to be an issue with them recalling the loan, then after calling repeatedly calling the Dept. of Ed. I found out they had turned my loan over to a collection agency unbeknownst to me, I immediately attempted to get a resolution, I am still waiting, I feel I Am the victim of predatory lending not only from the financial institution but, the Dept. of Education, To add insult to injury it has been 10 I repeat 10 years since I graduated and I am working XXXX part time retail jobs barely making ends meet, I am not even working in a position of my field of study. Now I have this over my head? Because someone in the XXXX Office turned my paperwork over with little regard to the consequences it would bring. I can not even further my education because of this. And my life is at a stand still until I can get this resolved. The entire time I have had this loan I have made sure it was on deferment until now, because of the irresponsibility of one or more people working in collusion. I always did that because I could not afford the payment and I did not want to have an adverse stain on my credit report and I always intended to pay it off someday. I still strive to get to an employment position that will allow me to satisfy my financial obligation.
Dear Sirs : I am XXXX XXXX XXXX. I am trying to pay my Walmart credit card bill from 2013 and I called and was transferred to 10 different numbers. No one could find this account but it is in my credit and is preventing me from buying a house. I can't understand this?!?! If they can not find it then how am I supposed to pay it? This is ridiculous. Please help me. Either they have it and I can pay it or they don't and I don't owe it. Please contact me or them and let me know what I can do.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
My complain is against the Banco Santander of XXXX XXXX, Puerto Rico. The Bank made a mistake in their systems and sent incorrect information to the credit bureau 's agencies, XXXX, XXXX, XXXX and XXXX. Since XXXX XXXX 2004 I have a mortgage loan with Banco Santander from which I was and I 'm the primary loan owner. All my credit history was reflected in my credit reports for the past eleven years until a recently. A change was made in the mortgage loan account to remove my ex-husband from the account ( as agreed on the divorce settlements and court ). " Apparently '', a mistake was made by the bank were their systems sent the incorrect information to the credit agencies and all my eleven years of credit history were eliminated and transferred to someone else. During the process to open a dispute with XXXX and XXXX to correct the error made by the bank, I learned that they transferred my credit history to someone else ( apparently my ex-husband ) by the instructions or information received from the bank. I contacted the back to inform them about the error and to open a dispute to restore my credit history and to reflect my current balance due in the credit reports. Today, the bank has not yet contacted any credit agency to correct the error. All my credit history was deleted from the Transunion data systems and even do I sent them evidence to prove that I 'm the owner of the account they ca n't restore the data until the bank resubmit my credit history. My mortgage loan payments and history are now reflecting in someone else report and since the error occurred ( close to 2 months ago ) every payment I made to my loan y going thrust someone else credit account. I need your help to restored my eleven years or credit history in my credit report and to reflect accurate data which includes current amount due and the payments history. I have all the necessary evidence to prove that I 'm the owner or the loan and the property in question. I 'm afraid this could be a security breach or something done intentionally to favor someone else that has not rights over the loan, the credit history or the property purchased with this loan. I 'm concern that the bank is not taking the necessary measure to contact the credit agencies and fix the issue. None of the process issues to report listed in your first question of this complain is applicable to the issue that I 'm complaining about.
XX/XX/XXXX and XX/XX/XXXX is showing late on my Equifax report. I disputed those two months with XXXX XXXX. XXXX XXXX waived the months of XX/XX/XXXX and XX/XX/XXXX per a good will letter due to my health to paid as agreed. The updated letter was sent to all three credit bureaus. XXXX and XXXX followed suit and updated my credit report. However, Equifax did not as they normally do not update accurately again.
This company PARKED a medical collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA XXXX ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA XXXX ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. If they sent anything out, I did not receive it or I would have sent a DV letter! 

Upon reading my credit reports a collection for this alleged debt has already been listed by another collector on the credit reports and the collection was removed in XXXX 2016. 

I request that they verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed number to collect in the state of Louisiana!
TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing  about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.
Disputes XX/XX/XXXX. Got run around and gave up. 
This year realized it is affecting my credit report. XX/XX/XXXX opened an investigation/inquiry for payment history prior to XX/XX/XXXX and disputed with credit bureaus. 
XXXX XXXX started to investigate again. Sent a letter to XXXX complaint # XXXX filed XXXX/XXXX/XXXX hoping they would respond. 
I received a letter from XXXX XXXX, VP Loan operations at AES dated XXXX XXXX in response to the complaint with XXXX. 
XXXX XXXX recommended in the letter I call XXXX XXXX XXXX at XXXX, which I did. XXXX than directed me to National Student Loan System at XXXX - XXXX than directed me to XXXX XXXX XXXX at XXXX - they directed me bank to to NSLDS at XXXX. XXXX directed me to Student Loan Support at XXXX. 
I called XXXX and disputed it several times with the XXXX credit bureaus. Each time the reply is " Information has been verified with NO DETAILS ''. 
I redisposed XX/XX/XXXX & AES wrote me a letter XXXX XXXX XXXX - just XXXX replied they sent me a mailed me a formal response. 
Follow up on XXXX XXXX, XXXX - Spoke with XXXX regarding conference call - She sent a request for XXXX ( they work on behalf of XXXX ) for a settlement offer - put in on XXXX XXXX, XXXX. XXXX XXXX they still have n't come to a decision. 
Client relations is once again talking to XXXX. 
XXXX XXXX is checking with Client relations and Lender Representative team. XXXX XXXX, XXXX is required complete date. 
Account is in forebearnace until XXXX XXXX, XXXX
A Debt Collector called 'National Judgement Recovery Center , L.P ' has levied several of my accounts including my children 's checking and savings. However the XXXX XXXX for a debt is not mine, it belongs to another person with a similar name ( except that I am a XXXX. ). The XXXX XXXX was rendered in county where I currently reside in XXXX, and I was not a resident of this county until XXXX, and did not have any financial dealings in this county prior to moving here. This has caused me great distress, as I am not able to pay my bills or go to my doctors appointments.
I am a XXXX American I have been treated wrongly be Ally auto loans I have made XXXX payments to this company and they have added XXXX of extra fees amd late charges the currently have my vehicle out for repossession and say that I have only made XXXX payments and the rest of my money goes to there extra finance charges they sent people to my residence at XXXX and beat on my garage doors and make threats to me and my wife this company is very unprofessional and greedy I call in and no one can explain all these extra charges I can never get my account current because of everything they add in the charges get more and more
Based on the my review, I notice that Ocwen loan servicing is alleged unlicensed servicing activity in Maryland not license or have consent order file with Maryland Commissioner XXXX XXXX and no longer eligible to collect a debt form the homeowners in the state of Maryland. I 'm facing preditory lending and respa, Truth n lending violations, In violation of escrow agreement, Ocwen licensing was suspended under unfair business practices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Therefore I request for Ocwen to show proof of claim/debt and all my payments be returned, I 'm going to continue to pay my taxes and insurance without escrow.
I owed XXXX debts to Portfolio Recovery Associates INC. In my attempts to clear my credit to get a mortgage, I settled those accounts. However, those accounts were still being reported on my credit report as the difference between the original amounts and the settlement amounts that I paid. I contacted Portfolio Recovery Associates by phone and they said they would rectify the situation, but at least one account is still showing as of XX/XX/2017. I disputed the account and the dispute was denied. After the dispute, Portfolio Recovery Associates sent me a letter explaining why the dispute was denied and included the original proof of the debt. I am not disputing the original debt. The debt has been settled and I have a letter from them stating that, so it should not be on my credit report.
HSBC to provide CFPB and me with copies of papers where I cancelled the said ACH authorization. I want this paper only, and I do not want HSBC to submit to CFPB a lot of irrelevant documents ( which it always does ) to confuse the staff and obfuscate the case. 

If there is no such paper, HSBC must submit a letter of apology, compensate me for the pain and suffering it has inflicted on me for almost a year, and for ruining my credit. 

Separately, I request that CFPB review my complaints, confirm that HSBC bluntly violates the letter and the spirit of the Consent Decree it signed with the government ( below ), and ( AA-EC-11-14 ) where HSBC was ordered to and HSBC accepted to : 1- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' 2- '' Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' 3- '' Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' 4- '' Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers and report HSBC to the proper regulatory authority for further investigation.
In an attempt to place a protected consumer freeze on a minors account, my son, I sent required documents to Transunion on XXXX XXXX, XXXX. Received a letter stating they had received all required documents, not including {$5.00} fee. I sent a check with all those documents. Attempted, 3 phone calls on Monday, XXXX XXXX, XXXX, none of the documents can be located. This is such sensitive information and should be a way to contact the United States Office of Transunion. I kept getting disconnected every time they transferred me. Three numbers I called were, XXXX, XXXX and XXXX to no avail. Now with my sons information and mine floating somewhere at TRansunion ( or not, since no-one can locate it ) it is a security risk. Such poor handling of sensitive information.
XXXX XXXX XXXX  this show information it have payment same XXXX XXXX XXXX   and XXXX XXXX XXXX
I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.
I received a letter from Debt Recovery solutions dated  XXXX / XXXX /   17  stating that i owed them, however, the current creditor is  XXXX   XXXX   XXXX   XXXX , and the original creditor is  XXXX   XXXX    XXXX   XXXX  .   On  XXXX / XXXX / 17 , I sent  Debt Recovery  Solutions a certified letter requesting that they validate this alleged debt, however they have failed to do so and they continue to report this alleged debt to the credit reporting agencies.   On  XXXX / XXXX / 17 , I received a letter from  Debt Recovery Solutions d ated  XXXX / XXXX / 17  with a bill from  XXXX   XXXX   XXXX   XXXX  showing a balance {$0.00}. They have not provided me with any legal documents about this alleged debt.
I have several Medical bills from this company, and I never seen these people in my life. I 've been an ID Theft victim for a long time, and I 'm very upset. These need to come off of my credit too!
I was contacted by Capitol Accounts stating that they owned the rights to a medical debt not covered by my insurance and that had caused a derogatory mark on my credit report. 
Having an agreement with the representative to pay the amount in full and in return have the collection removed from my report, I paid the balance. Not only was the derogatory remark not removed as agreed, it still reflects the original balance that was already paid. I contacted capitol accounts via phone to rectify the issue but kept getting place on hold indefinitely, which I believe is intentional. I also tried communicating via mail but to no avail. I do have proof of the payment via my bank statement if they want to challenge this dispute..
Please find the payoff statement reflecting the recording charges listed in the payoff ( recording fees ). We received the original unrecorded documents and see that the lender is keeping these fees and sent out the documents to be recorded with the recording fees expected to be paid again by the seller. 

This appears to be they are overcharging and may be happening to a significant degree. 

We hope to find some resolution to this over charge and why did they keep the recording fees if they did not intend to record the documents removing the lien. 

Thank you, XXXX XXXX-Owner XXXX
I divorced my now ex-wife XXXX yrs ago, she is a XXXX for the now XXXX XXXX, formally XXXX. During the divorce the court order gave her sole responsibility for the jointly held XXXX card. I tried to have statements mailed to me, but my ex-wife in her position as XXXX had those requests cancelled. I went into another branch and had them print out copies monthly to make sure she was paying on time. Until the manager at the other branch told me there was n't any accounts in my name, social security number, or address, apparently she lied. Not knowing the other manager I assumed my ex-wife did a balance transfer to get my name off the debt, I was glad and thought it was all over now. I was wrong, fast forward 13 years. I applied for a mortgage and was told there was a charge off for approximately {$500.00} for that XXXX card. My ex-wife claimed bankruptcy. Regions said I was liable because my name was on the original documents. In an effort to clear my credit, remove the charge off and derogatory report I paid the balance off. In paying it off it was also discovered that my ex-wife in her position as XXXX and XXXX XXXX, had opened 2 checking accounts in my name without my knowledge. I finally got those 2 checking accounts cleared up after I filed identity theft charges. Regions still refuses to remove the derogatory report from my credit report even after I presented them with my divorce papers showing the debt was assigned to her. I had asked them to show me any correspondence relating to this that was sent to me, they said they would look into it. I believe that if any correspondence was sent, it was not sent to me, it was sent to my ex-wife, their employee. Now 4 months later, they have not responded, not replied to my emailed requests or my phone calls to XXXX XXXX Operations manager. Regions will not take responsibility for the illegal actions of their XXXX XXXX, will not honor the court order, will not provide any documentation, and cite the FTC regulations requires them to report it as a bad debt to the credit bureaus. XXXX XXXX wrongfully represented the credit bureau as a quasi government agency. Where in reality they are private companies and reporting is voluntary. I have made them whole as soon as I was made aware, provided the documentation, reported the identity theft. I believe this is nothing more than continued harassment, misleading information, and ineptness.
I have been in prison for to years i just got out XXXX XXXX XXXX i just recieved a letter from Dynamac Recovery Solutions saying that i have a current balance of {$990.00} they say i may resolve my account for {$690.00} if the payment is received by XXXX XXXX XXXX i have been locked up for 2 years and have no idea what this collection is for or why they are sending this to me late if you can please help me dispute this and just get it off my credit please i jist dont want to be bothered by this especially not knowing what it is for
The Receivable Management Services LLC ( RMS ) is attempting to collect the amount of {$200.00} from me on behalf of XXXX, XXXX XXXX   XXXX, for washing machine repair services rendered by XXXX. I do not dispute that XXXX rendered these services. However, they failed to correctly diagnose and repair the problem. 

In XX/XX/XXXX, I realized that my XXXX-brand washing machine was no longer draining properly, leaving my clothes soaking wet at the end of every wash cycle. A XXXX repairman came to my house on XXXX, took a look at the machine, ran some repairs, and stated that the problem was fixed. However, it soon became apparent that the machine was not working significantly better than it had been before the repairs. After doing some research and running some diagnostics, I concluded that the machine had a problem that the repairman had failed to notice, let alone resolve. Repairing this problem would have required some expensive spare parts, and since it was a very old machine, I decided to get rid of it and purchase a new one. 

Over the course of the following months, XXXX sent me a number of bills for the amount of {$200.00}. After each bill, I contacted XXXX, and explained that they had failed to resolve my problem, and therefore I should not be obliged to pay. I contacted them by phone ( XXXX ) on XXXX after the first bill, by email ( XXXX ) on XXXX after the second bill, and by physical mail several months later ( I do not recall the exact date ) after the third bill. After this, they send me a letter acknowledging my appeal, and requested that I send a statement to XXXX, which I did on XXXX. In each one of these communications, I gave a detailed explanation of why I was not satisfied with their services, and why I should not be obliged to pay. After sending this final email, I did not hear anything more about the matter until XX/XX/XXXX, when I received a letter from RMS, stating that XXXX had placed them in charge of collecting this debt. I immediately sent RMS both an email and a physical letter explaining why I considered the debt invalid. Earlier today ( XX/XX/XXXX ), I received a second letter from RMS, stating that they did not consider my appeal valid, and that I was still expected to pay {$200.00}. 

I am attaching the emails that I have sent to XXXX and to RMS, in order to demonstrate that I have made every effort to resolve this issue. Neither XXXX nor RMS has responded to these messages in any meaningful way -- they have simply repeated their requests that I pay for the service, without acknowledging the reason why I do not feel obliged to do so.
My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. 
I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX   and I found a balance of {$1500.00} plus I did not understand. XXXX  told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.