WillisBack/dataset-financial-user-claim huggingface dataset:
Hello! I am still struggling with XXXX  XXXX. this is in reference to an earlier case as well. XXXX  XXXX  XXXX  struggles to accurately track payments towards PLSF and upon certifying payments frequently changes they payments to count towards PLSF.

At one point, they did send me a letter stating they would credit me 23 payments ( great! ) based on earlier struggles and the difficulties I had  experienced, but this has not happened. I have a copy of the letter. Though on 10 year standard repayment, no payments since XXXX have been added to my account. documentation available. At the time of selecting the 10 year standard plan in XX/XX/XXXX, I was told it would count towards PLSF without the fluctuating payments and need to re-certify each year. I selected this payment as it would eliminate the 1-2 month delay in payments each year while they calculated my payment options, and the small difference in payments on XXXX did not warrant the delay. This option was available as a option to choose on the web site at that time, though it no longer can be found ( and no one notified me if this is true ). When you re-certify each year, they is a delay in payments and I wished to finish paying my loans as quickly as possible. Additionally, in XX/XX/XXXX, I had 85 payments ( I have documentation ). Yet in XXXX I had 75 ( documation available ) I currently have 76 payments, in spite of making 11 payments that were not counted and the indication 23 payments would be added to my account by XXXX towards PLSF. I believe I should have 119 payments. XXXX believes I have 76 payments, and need to make 44 more, and MAYBE could then apply to PLSF ; though one advised this would ONLY count if I now switched to a different payment plan such as REPAYE, but this MIGHT not count as all the payments would not be REPAYE. 

I am extremely frustrated as I am genuinely attempting to make 120 on time payments within a predictable payment plan- and seem to move either backwards or hold still. though maybe this is the intent : for me to make payments forever.
Paypal charged me {$20.00} for a fraudulent charge back initiated by a 3rd party, i which I do nothing to do with.
StartingXX/XX/XXXX, the three major credit reporting agencies, Experian, XXXX, and XXXX were to enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address, and either their Social Security Number or Date of Birth. As of XX/XX/XXXX, the inaccurate information is still reporting on my XXXX, XXXX, and Experian credit report. 

Furthermore, the told me to contact XXXX XXXX XXXX 

When I go to the link XXXX states : you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match public record data to consumer credit files for XXXX. XXXX performs this matching themselves. 


XXXX, Experian, and XXXX refuses the follow the new standards that are apart of the National Consumer Assistance Plan, which is an initiative of the 3 nationwide consumer reporting agencies, Experian, XXXX, and XXXX to enhance the accuracy of credit reporting information. 

There is no public records that contain my name, address, social security number OR date of birth.
On XX/XX/2018. My brother and I went to M & T bank in downtown XXXX  NY to open detect deposit accounts to receive a XXXX bonus like the ad we brought said. Well a lot more than 500.00 has been deposited. And the bank is now telling me after two days of email and calling that the wrong promo code was entered. The person who can fix it is unavailable. We would have never opened the accounts. Except for the offer of the bonus.we are both XXXX  and the bank is further away than the previous bank.
Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.
I have contacted Discover Bank numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.
So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose.
Received and alert from XXXX credit bureaus in XXXX XXXX of a collection from XXXX. I disputed this debt with the credit bureau to only send a response back in three days that this debt was valid as they verified my Name, Social and Address. 

XXXX XXXX Phone Number : XXXX Phone Call Date : XXXX/XXXX/XXXX Phone Call Time : XXXX EST After receiving the feedback from XXXX I reached out to Enhanced Recovery to receive some verbal information/confirmation since XXXX only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red : 1. What is the Account Name : XXXX XXXX 2. What is the information from the debt collection agency? 
Name : Enhanced Recovery Address : XXXX XXXX XXXX. 
XXXX, XXXX XXXX Business Phone Number : XXXX Professional License Number : I do not have one What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XXXX of XXXX. 

6. How long have you had this debt? This debt has been in our office since XXXX XXXX, XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old one on file ) then that means the credit agency also provided my phone number and social security number too. XXXX verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XXXX XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. 

The attachment shows I currently have XXXX and the account number is different. The 2nd attachment documents a call I had with an agent from Enhanced Recovery.
The company, XXXX, refuses to update my Transunion account correctly. XXXX of my old school loans from XX/XX/XXXX, that were both consolidated and transferred to another lender in XX/XX/XXXX, are still showing as OPEN on my credit report. These loans are from XX/XX/XXXX AND XX/XX/XXXX. I have called XXXX and Transunion, but they do nothing. It is getting reported correctly on XXXX, so, XXXX needs to call and fix it with Transunion. I have already didputed it before, and XXXX did nothing more than add a remark on my account saying payment deferred, Which is incorrect and illegal.
On XX/XX/XXXX, a fork of Bitcoin called Bitcoin Cash occurred. Coinbase.com promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of Bitcoin Cash when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in Coinbase on XX/XX/XXXX. But Coinbase has not credited my account as they promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. My second support ticket ( Case # XXXX ) is two weeks old with no response. I have XXXX to the XXXX Coinbase support account ( not to mention the CEO XXXX XXXX ) on multiple occasions with no response. At today 's price, my XXXX Bitcoin Cash would be worth more than {$11000.00}. As Coinbase refuses to respond or acknowledge the issue, I can only assume they have no intention of paying what is owed. 
Dates : I purchase XXXX BTC on XX/XX/XXXX, another BTC on XX/XX/XXXX, and XXXX BTC XX/XX/XXXX. These assets were held in Coinbase Vault during the time of the fork.
This debt has been settled for over a year now. Pinnacle Credit XXXX -- an old XXXX bill that I did not owe, yet I paid it.
On XX/XX/XXXX, I submitted an online dispute at XXXX  regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
I received notice of right to dispute a debt. I sent the collection agency to give me more information about the debt being in question. I sent the letter by registered mail via USPS ( XXXX ) and never got a response from the collection agency, the information i requested for. Per USPS, the collection agency did receive the letter on Monday XXXX XXXX, 2016. But the collection agency acted as if they did n't get any response from me. After a month or so I received another letter to pay the debt since it is delinquent. The communication tactic they are using is very subtle to force me pay the debt i am disputing and requested for more information. 
For your information I did n't have any information about this debt until i received a notice of right to dispute. The Company who thinks that they have money from me supposed to contact me before they send me to the collection agency.
I went through a bad divorce and my former spouse, who I ran from, stopped paying all joint debts. The truck he drove was repossessed and he would not pay the mortgage for the house we built that he lives in. We were also joint on a house his mother lives in. I obtained a divorce in XX/XX/XXXX. I went back to Court to try to get him to sell the house, but he has ignored all Court Orders. I could not afford to spend any more money on going back to Court when it did nothing. I was advised by counsel to file for Chapter XXXX bankruptcy because I could not afford to pay for my son and I to live and my former husband too. I completed a five year Chapter XXXX Bankruptcy starting XX/XX/XXXX and was discharged in XX/XX/XXXX. In an effort to have a fresh start, I disputed and cleaned up my credit report which had some discharged debts as owing. The only creditor who would not recoginize the discharge and still has me owing a discharged loan is XXXX XXXX XXXX. The loan was originally XXXX and XXXX XXXX XXXX even kept the same account number. I have disputed this loan several times and the loan showed a XXXX balance at one time, but XXXX XXXX XXXX reported it as open with a balance after that. I do not pay this debt and I did not reaffirm it. I recently disputed it again with XXXX who deleted the account. I recently applied for credit and it still shows up on XXXX and Equifax. This is impairing my credit and ability to make a fresh start. Some days I wonder what I went through the Bankruptcy for.
For the record, sufficient bank account funds were available for every incident outlined in this consumer complaint. 

Bank records are available for review upon request. 

XXXX XXXX XXXX, XXXX is using the Fair Credit Reporting Act as a crutch/an out/scapegoat to justify their deceitful/deceptive business operations ( See attached " Exhibit D '' and XXXX : XXXX ) which include, but are not limited to, collusion, fraud, negligence and malicious intent against consumers of XXXX XXXX XXXX, XXXX 's products and services. 

1. I DID NOT and I NEVER cancelled my mortgage payment on XX/XX/XXXX ( see attached file/Exhibit A as well as the XXXX Payment Receipt and Confirmation electronic document attached ). XXXX XXXX XXXX, XXXX  PAYMENT SYSTEM ( S ) failed to properly process and apply my XX/XX/XXXX payment to my account and kicked it out of their system ( 1ST malicious incident in XX/XX/XXXX ). I received the attached BOGUS email ( attached file name " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) stating a consumer act that NEVER TOOK PLACE. I resubmitted a payment on XX/XX/XXXX ( See attached file/Exhibit B ) after receiving the attached BOGUS email ( attached and titled " I NEVER Made A Request To Cancel My Automatic Payment -This Is Fraud and Malicious Intent ... '' ) from XXXX XXXX XXXX XXXX . 

2. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX failed to process/apply my 2nd XX/XX/XXXX payment AGAIN on XX/XX/XXXX ( See attached file/Exhibit C ). This time they claimed that I entered the wrong number of digits. I entered the SAME NUMBER of digits that were used as always ( I.e. : See attached file/Exhibit B ) and XXXX XXXX XXXX XXXX PAYMENT SYSTEM ( S ) failed to process and apply my XX/XX/XXXX, payment/kicked it out of their system AGAIN ( 2ND malicious incident in XX/XX/XXXX ). 

3. XXXX XXXX XXXX, XXXX consistently misapplied my bi-weekly mortgage payments throughout the tenure of my loan ( see attached file/Exhibit E ). 

4. XXXX XXXX XXXX, XXXX sent me " refund '' /suspense payment checks totaling {$1500.00} ( ~ {$500.00} from escrow ) in XX/XX/XXXX that WERE NOT cancelled by XXXX XXXX XXXX, XXXX 's accounting department which SHOULD HAVE BEEN APPLIED to my mortgage account before my account was closed by XXXX XXXX XXXX XXXX . 

XXXX XXXX XXXX, XXXX needs to correct ALL of my, and the joint account holder 's, consumer credit reports TODAY/IMMEDIATELY.
I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information
My personal information was stored by Equifax and compromised by hackers. I now must spend extra time and energy protecting my credit history, potentially freezing my credit during a period where it was increasing, thus doing long-term damage to me and my family. The financial insecurity aside, the emotional insecurity of knowing that this agency has utterly lost any credibility or trust in handling my personal data is damaging by itself.
I never bounced a check or had insufficient funds. I do all my banking and bill pay on line. I tried to transfer funds from my savings account to checking to pay a bill. I could not do it. So I went to the bank and they told me my account was closed, they called corporate and could not get a reason why they closed the account. I did not like the answer so I closed all my accounts with the bank. I opened a new bank account with a new bank. This happened on XX/XX/XXXXand it has been difficult for me to pay my bills on time. My wife and I are extremely disappointed with Chase Bank and will never do any Business with them.

I have been with Chase for over 10 years.
Shellpoint Mortgage Servicing W e received a payoff for  XXXX .   This amount included interest charged for several months.   One of the owners died and the daughter was paying the mortgage for this home and her primary residence. She stopped paying when she ran out of money.   The house was listed on  XXXX ,  XXXX  .We re ceived a contract on  XXXX   XXXX ,   XXXX  .   We are scheduled to close. There is not enough money to cover the interest that have accrued.   I have requested several times to delete the interest. The buyer is anxious to close.   Is this something you can help us with?
My prepaid skylight one card was stolen on XX/X/17. Using my card from {$1100.00} down to roughly {$100.00} using all signature purchases. I filed a dispute and they are refusing to give me my hard earn money back.
Open Date  :  XXXX /2016 {$3600.00}  Open Date  :  XXXX  2016  {$860.00} I was told that each contract was cancelled and after months it was not removed.
I requested help with Shellpoint mortgage 2 years ago. After they would not give me credit for {$13000.00} that was not applied when they purchased my loan from XXXX in XX/XX/XXXX. I was first told by XXXX XXXX to stop paying my mortgage until they applied my monies from the transfer fund. I now know that should not have happened, but she works for Shellpoint, so she should never had said that to me.i have had 3 modification offers but in each on the {$13000.00}. was never added to the modifications. 

In XX/XX/XXXX, I was given a trial modification, after Shellpoint put my house up for foreclosure, until I wrote a letter and spoke with XXXX XXXX who was later fired from the company. Put me in the trial modification from XX/XX/XXXX to XX/XX/XXXX. Every-time I made a payment the customer service representative would say I don't have to pay. But I paid anyway. Once I was complete I was told that I would be given a modification that was correct. I was called by XXXX stating that I owed another payment in XX/XX/XXXX and the modification was sent again in XX/XX/XXXX incorrect. Payments still being applied in XX/XX/XXXX.. 

In XX/XX/XXXX I was ask to send in my bank statements and income to start a modification again. I sent in my end of the year pay check, {$53000.00}. I was told that I did not make enough. I was told by XXXX that I only make {$2100.00} a month and that was not enough for a modification. The underwriter calculation was off, so I fax, mailed and XXXX XXXX my income. 

I was called in XX/XX/XXXX, to have a inside appraisal done, it was complete and posted on my ledger XX/XX/XXXX. I called XX/XX/XXXX and was told that I was approved for the modification and the underwriter was waiting on approval from the owner of the loan. XXXX XXXX. XX/XX/XXXX, i received a letter that stated XXXX XXXX disapproved the workout, and would not approve the modification.That I can sell my home or give it back to the Owner. 

My home appraisal was {$260000.00} and could be sold for {$250000.00} in 30 days. Shellpoint says I owed {$220000.00} and that i am in the arrears of {$29000.00}. Because I am not upside down on my loan and there is equity in my home the owner and Shellpoint is denying and have drag out for years and months a lot of simple mistakes and causing me to be further behind on my loan to take my home. I have emailed the CFO XXXX XXXX XXXX and asked for help. No response. Please look in to this situation for me and give me some advice on my next step. Thank you.
I am XXXX payment behind on my 2nd mortgage. I signed a payment workout authorization with them in XXXX since then they have got my account all messed up holding payments, calling and threatening to foreclose.