WillisBack/dataset-financial-user-claim huggingface dataset:
I have my loans through Great Lakes, and for the 2nd year in a row, they have taken too long to update my Income Driven Repayment ( specifically, PAYE ) after receiving my application. My student loans are for XXXX ( located in XXXX ). Last year, they had my application approximately 1 month before my current PAYE plan would expire, and they failed to update my status so I had to go into forbearance for 1 month until they updated my account. This year, they 'll have had my application for more than 3 months before my next payment is due in XXXX, and again they did not update my account so my XX/XX/XXXX payment is set to increase by more than 10x, which I can not afford. I feel their delays at this point are intentional in order to get more money out of me, which is dishonest at best and more likely criminal. I called them today and was told I 'll be getting an updated payment schedule after XX/XX/XXXX or XX/XX/XXXX, and my payment will only more than triple due to my wife and I filing together and the associated increased income, and yet I had NO information for the last 2.5 months from Great Lakes that my payment would be increasing by that much. Right now, I 'm stuck waiting until after XX/XX/XXXX or XX/XX/XXXX to see if I receive my updated pay schedule like I 'm supposed to, and if I do n't, I guess I 'll conveniently ( for them ) have to go into forbearance again while they fix it ... again. This is ridiculous.
I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. 
I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.
I received a paper bill from XXXX XXXX for a balance of XXXX. I attempted to log into my account, but received an error message that i would need to reset my password. A link was provided for updating my password, but when I went to the link, it advised me that they would send me an email with instructions on resetting the password. After numerous attempts, I never received the email. I finally gave up and mailed a check for {$50.00}. This was on Sunday. On Wednesday I received a call ( XXXX XXXX  ) regarding a past due on my account. I was told my balance was {$100.00} ( apparently they charged me late fees ) and my payment should have been {$58.00} ( for a balance of {$75.00}? ). When I complained about the inability to access my account online, I was advised that this was a known issue and they were trying to fix the problem, but were unable to provide a timeline when it would be fixed. When I attempted to pay another {$58.00} on the account using a credit card, they said they could only accept payment from my bank account ( they asked for my bank pin number for the payment ). This is unacceptable, and a basic security violation for bank accounts. When I am able to get back home I will be sending another check and closing this account.
I have always paid all of my bills in full and on time, I monitor my credit report almost daily and have 0 past due accounts with any company. The letter they sent says it's for some company called XXXX XXXX which I can't find any real information about except they deal with debt collections as well. More than likely this is a scam to collect a debt that doesn't exist or somehow got me mixed up with someone else. I receive non stop calls from some scam number which I can't answer on my phone and it's getting almost abusive. Since they never leave voicemail I can't verify this is the same company but the calls started around a month ago which is close to the date of this letter.
In XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX. for the amount {$410000.00}. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX, there was a assignment of mortgage filed with XXXX County Clerks office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX  XXXX. A New York XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/XXXX XXXX XXXX XXXX XXXX stated a foreclosure action against me for the amount of {$450000.00} which is about {$41000.00} more from the original mortgage two years earlier. How is it possible that I am owing more than the original loan amount. I was making payments 1 year prior to defaulting.
I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from XXXX XXXX XXXX, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times.

I've emailed the company ( XXXX XXXX ) without response. I've also filed requestes with transunion/XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so.
This is on my credit report. I do not know what it is for exactly. I need to be provided with documentation to prove the debt as per The Fair Debt Collection Practices Act.
I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.
In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by Ocwen Loan Servicing LLC under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. Ocwen rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got Ocwen to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XXXX of XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from Ocwen which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( Ocwen ) and the credit reporting agencies. Ocwen has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by Ocwen. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from Ocwen claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
this account was disputed with XXXX and was removed from credit report. few months went by and XXXX as sold the account to a collection agency who as reported that I owe them money when I've never been in business with said company which is CREDIT MANAGEMENT LP
Navient 's  ( formerly  XXXX   XXXX   XXXX   XXXX   ) webpage incorrectly told me that my loans were approved and successfully submitted for automatic debit payments every month. However, each time I submitted my banking information through the website, it would n't process automatically as it was supposed to. As  a result, Navient  harassed me every month with automated phone calls informing me that my payments were delinquent. I called them and had the issue corrected. This issue happened TWO OTHER TIMES while I was still in school a nd the six mon th grace period after receiving new loans ended. On the third and final time, I did not call them and continued to receive the automated phone calls. I wrote them an angry letter explaining that their website confirmed my banking information was submitted and approved, but the money was n't coming out. They wrote me back and told me the opposite - that my banking information was never put in. Also, they 're probably guilty of overcharging people too (   XXXX   XXXX   XXXX   XXXX
In XX/XX/XXXX, I disputed an account on my credit report directly with XXXX, XXXX  and XXXX   concerning an account with Account Control Bureau. At that time, Account Control Bureau sent me a handwritten letter stating charges from an apartment complex. This document did not contain my signature or any way showed any evidence that I agreed to take responsibility for this account. On XX/XX/XXXX, I sent Account Control Bureau a certified letter asking for debt validation of the account including a contract with my signature from the original creditor and proof that they are legally able to collect this debt. The certified letter was received by the company on XX/XX/XXXX. I have not received any response from the company concerning my request.
On XX/XX/XXXX a payment for my Citibank credit card was requested by the over the phone automated system, requesting that {$8700.00} be paid to my Citibank credit card using the bank account and routing number I had on file ( my checking account via XXXX XXXX XXXX  ). I did not make this request, there is no call in my call history on my phone showing that I called Citibank to allow this payment to go through. I did not receive an email confirmation of this payment going through or being accepted so I had no knowledge of it. On XX/XX/XXXX, the check cleared for XXXX, draining my bank account of almost all of my cash ( and some overdraw from savings ). When I called Citibank to inquire, they told me that the payment was valid. I asked for a call log to be pulled, and they were able to confirm that the phone number that called to make the payment was NOT my phone number on record. After many frustrating calls, they told me they would reverse the payment and refund my bank account within 3-5 business days. After the fifth day, I called Citibank to inquire about my refund, they told me that it was not being processed and that it could take up to 30 days. I asked why and they said they needed XXXX XXXX XXXX to confirm they were not planning on retracting the check. I asked when they would be able to call XXXX XXXX XXXX and they told me within 30 days. After a lot of pushing, I was able to get Citi on the phone with XXXX XXXX XXXX  to confirm the check wouldn't be retracted. They then told me now it would be another 3-5 business days to get my cash back into my account. It's theXX/XX/XXXX and I still do not have my {$8700.00} back into my account. I did not make the payment, clearly that is the case since Citi confirmed that it was not my phone number that made the call. I'm owed my money back and the fact that I'm out of that much cash, is unnerving. Citi has provided me no resolution or assurance that they have the right checks and balances in place for over the phone payments. Since no one from Citi is helping me, I've decided that I needed to contact you. Thank you for your time.
Good Afternoon, I graduated from  XXXX   XXXX  in      XXXX   2 011    . About 6 months to a year afterwards I start receiving calls from a company called  XXXX  ' who at the time I thought was a branch of  XXXX  or  XXXX   XXXX   . I   may  have given them some  XXXX  which led me to call the  XXXX  all to be advised that they were a separate entity.     I need support due to the fact that I never authorized  XXXX   XXXX  to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private.      XXXX   XXXX  reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process.     I would have Never taken out private loans.  XXXX   XXXX  as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.
Hello -- I have a student loan that is being serviced by Navient. I have a subsidized loan and an unsubsidized loan. On Thursday, XX/XX/XXXX I called Navient to payoff my subsidized loan of {$3500.00}. The customer service rep told me that this was possible and proceeded with the payment of the subsidized loan and even congratulated me on paying this loan off. I went to check my account online on Saturday, XX/XX/XXXX and the payment was posted to both my loans versus just my subsidized loan. They paid {$540.00} to my subsidized loan and {$2700.00} to my unsubsidized loan. I called on Monday,XX/XX/XXXX to fix this and I was told that I was given wrong information on Thursday and they ca n't pay off the subsidized loan. They told me that Navient only views it as one lump sum and not two separate loans and federal law states that they ca n't pay off the one loan. The federal governement views it as two loans only. However online under my account details, on the Navient website it states : Ready to pay off this loan today? Here are the amounts : Online {$2900.00} By U.S. Mail {$2900.00} This is misleading the consumer. I was told by phone that I could pay off my account and it even states this on the Navient website. However when I made the payment, they then tell me that I ca n't. <P/>Please contact me with any further questions you have. Thank you.
I CONTACTED A-1 COLLECTIONS IN XXXX NJ AFTER DISCOVERING A DEBT I OWED THROUGH MY CREDIT REPORT. THE REPRESENTATIVE I SPOKE TO ( XXXX XXXX ) IMMEDIATELY SHOWED AGGRESSIVE BEHAVIOR OVER THE PHONE. I FREELY SUBMITTED ALL THE INFO THAT I HAD BUT HE CONTINUED TO ACT IN THIS MANNER AND FINALLY ACCUSED ME OF NOT COOPERATING TO HANDEL THE MATTER AND PROCEEDED TO HANG UP ON ME. LET ME NOTE THAT I CALLED THEM NOT THE OTHER WAY AROUND. I FIND IT FRUSTRATING THAT I WAS BEING ACCUSED AND TREATED POORLY WHEN I WAS THE ONE TRYING TO CLEAR THE MATTER UP. THIS INDIVIDUAL SHOWED BULLING TACTICS TO EXERCISE HIS POSITION. AND SHOULD NOT BE IN A POSITION THAT DEALS WITH THESE VERY IMPORTANT MATTERS WITH THE PUBLIC. I GAVE HIM MY PERSONAL INFO AND FEAR HE MAY TAKE MEASURES TO MAKE MY LIFE AND FINANCIAL POSITION DIFFICULT IN THE FUTURE.
I contact the creditor numerous times that the debt is not mine. The creditor has not validated the account but yet still placed the account on my credit report
I have sent repeated disputes and request to verify information. They fail to do so. I sent another request on   XX/XX/XXXX  and  XX/XX/XXXX  and  have yet to hear anything This is a predatory collection agency who updates my credit report monthly with derogatory information. I never entered into any contract or agreement with this business. I never received any notification of any form of this alleged debt before it was attached to my credit reports. This has caused me severe financial hardship and has made it extremely difficult for me to obtain credit. There are several complaints of this company online with similar situations. I truly believe they have violated the FDCPA numerous times.
I have disputed this bankruptcy with Transunion and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. Not the bankruptcy courts. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to the bureaus and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account. A third party is hear say and is not validation. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid.
I disputed the account as it does not belong to me. Experian deleted said account after investigating my account and then put it back into my credit without contacting me. Because it was deleted from my file, it should have never been placed back on. Also they did not send me a letter notifying me of the intent to reinsert this account that does not belong to me into my credit file.
I opened a Citibank banking account package because there is a promotion running. It said I could get {$500.00} bonus if I opened the package and transfer {$25000.00} to the account and keep it till XX/XX/XXXX. I tried to open through the link provided, but it said system could not verify information and asked me to call and apply. So did I, and the agent over the phone confirmed that I successfully opened the package and enrolled in the offer. I did all the requirements afterwards, but I do not receive the bonus as of yet. I called on XX/XX/XXXX and the agent said she would transfer me to personal banking department, but actually disconnected me. So I feel the only way is to complain through CFPB.
Dear Sir, SOFI LENDING CORP did not address and properly answer CFPB complaints on fraudulent inquiries ( disputed fraudulent inquiries of SOFI LENDING CORP ( SOFI LENDING CORP ,XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, Inquired on XX/XX/2017, XX/XX/2017 and XX/XX/2017 ). I have asked 'SOFI LENDING CORP ' only send the letter over USPS with full name, complete address, all CFPB numbers so that I could submit those letters to State of Michigan and Honorable Courts. But, " SOFI LENDING CORP '' did not do and sent fraudulent letters without direct signatures, incorrect last names, not mentioning complete name, not mentioned all the CFPB numbers in the responses and various incorrect information. I am attaching all the letters with incorrect information, unlawful and fraudulent signatures. 
Could CFPB kindly store this complaint, unlawful acknowledgements and attached documents in Fraud, Identity Theft, crime and law enforcement records.

Sofi kept on harassing me with fraudulent inquiries in my credit report, not sending the CFPB response with right details over the USPS. 
I am going to submit all these documents in the identity theft complaint and I never ever had any kind of business with CFPB at any point of time for last 12 years and I do not have any plan to have any kind of business with SOFI LENDING CORP for infinite period of time. If there is any, its fraud and identity theft. Please store all these responses and documents in the archive and law enforcement records. Its harassment and disgusting that sofi creating troubles to me one or another with incorrect details, unlawful signatures.
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed  because they were never authorized to look at my credit by me.
I have sent previous complaints regarding XXXX XXXX XXXX regarding them trying to collect the wrong debt amounts through XXXX. Now all of the loans, except one, have been referred to another collection agency ... XXXX XXXX XXXX in New Jersey. 

I sometimes could not directly contact XXXX XXXX XXXX, was given wrong phone # s, or given the name ( s ) of phony reps with wrong numbers. No one would return my calls, and the amount owed was/is always misrepresented. 

I have paid thousands of dollars dating back to XXXX, but was always sent statements reflecting the original amounts, as if nothing had been paid on behalf of or to XXXX XXXX XXXX. 

I sent you a complete file regarding XXXX on behalf of XXXX XXXX XXXX, but again, four of those five private loans have now been referred to XXXX XXXX. My original complaint should be XXXX. 

I hired a lawyer who arranged a " settlement '' of {$12000.00} payable @ {$510.00} per month payable to XXXX XXXX, which began XXXX XXXX and will continue through XXXX XXXX. Though on limited income, I have paid faithfully each month and continue to do so. Both my daughter, XXXX XXXX and I are to be released when the settlement to XXXX XXXX is paid. 

Perhaps there is nothing that can be done, or my situation may not be considered a complaint, since a " settlement '' was  reached, but I thought I should at least provide this information since your agency has filed suit against XXXX XXXX XXXX. 

I am still paying XXXX {$100.00} per month ( also on behalf of XXXX XXXX XXXX ) on one last loan of which the original amount of {$12000.00} has not never gone down. 

I am forwarding what I consider to be pertinent information. 

Thank you for your attention. 

Something has happened that I can not reset my password. I have tried several times. Please re-send that message to me so I wil be able to check the status of my complaint ( s ).
XXXX called me at work, since I am unable to take personal calls, I disconnected the call. They then called back and must of asked for a manager. I then got a call from him telling me this company called and gave him a phone number and case id and that I needed to call them because they were trying to serve me a court summons. I called them back after work, but since I had already paid the debt off. I informed them of this and told them to stop calling. No calls since then.