WillisBack/dataset-financial-user-claim huggingface dataset:
I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.
Like many young college students, I fell for the temptation of federal loan programs and the allure of instant assistance with education expenses. I was always told as a child that education was the best investment and I wanted the best education I could get. I really didn't appreciate consequences at the time. Over the years, I have made every effort to work with first XXXX XXXX and now Navient to repay these loans as responsibly as possible. In the past 13 years, since Navient has had my account, I have paid {$36000.00} on an original principal of {$73000.00}, yet somehow my current balance is {$73000.00}. I have literally given them almost half of the loan amount and ended up only moving my total debt by less than {$300.00}. That is INSANE! And criminal. I have called so many times over the years, been on hold, argued, cried. I've felt deeply depressed and hopeless. Every time I ask for help getting this loan paid ( advice on payment plans, adjustments to my payment arrangement et ) I end up with another, more hopeless arrangement with Navient. At this rate, I will literally die before this loan is paid which makes me think " what's the point ''? I am so discouraged. I am not wealthy and I don't qualify for hardship loans, but I am furious that having paid so much, I have gotten so very little in return.
I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau Experian Credit Report : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX  Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XXXX  Account # XXXX Date Opened:XX/XX/XXXX Account Closed Experian fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX  GA XXXX   XXXX has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX  Date Opened:XX/XX/XXXXAccount Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX
Hello, My house has a primary loan with Bank of America and my checking account is also with Bank of America. I have a payment which goes primarily through bill pay from my checking account to pay my mortgage. It has been this way for years and there has never been an incident where the payment does not post. XX/XX/2015, for some reason which is still unknown, my payment did not process. The check was issued and it was sent from my account. The funds were drawn from the account as well. Upon noticing that it was not credited to my mortgage, I contacted Bank of America and they suggested that I request a cancellation of the check and a reissuance. Let me say that throughout the whole process, my actions were carried out to whatever the customer representative suggested. Whatever they told me to do, I did without question. 

Once they told me to cancel the check and authorize a reissuance of the payment, I agreed. I expressed my concern about being late on the payment and they assured me that my account was notated and it would not be an issue. After several days I once again checked with my mortgage and found that the reissued check was not posted. I immediately brought this to the attention Bank of America and it was suggested that I consider taking a second payment out to cover the mortgage payment which would mean that I would have to draw funds to cover a payment which was already debited from my account and I did not have the funds to do so. I was once again assured by the customer representative that this was not a concern I should have and that my credit rating was not in jeopardy. 
I walked into my local branch and met with one of the bankers inside a small office to see what I needed to do. Once again I followed the suggestions of the bank and took the necessary steps to send in the payment. I was assured that everything was going to be ok and that there was enough time to get the payment in without any damage to my credit rating. 

The payment posted finally but it was after the 30 day window and I was assessed a 30 day delinquency mark on my account. 
For the record let me state that the scheduled billpay payment prior to this incident and the scheduled billpay payment AFTER this incident both posted without issues. I did not and have not changed any information on the Billpay online page and the fact that the payments prior and after this incident shows that this was in no fault of my own. This is entirely on the bank and its processors. 

I wrote directly to Bank of America to dispute this problem and after a few weeks I was sent a letter stating that Bank of America researched the complaint and decided in my favor and the mark would be removed. To this day it has not been removed and I am angry at their lack of response to my inquiries since then. 

I believe that given that my conversations on the phone were most likely recorded, Bank of America can certainly find that those recordings support my claims and I would like for them to formally open a case and research this further.
Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.
bank of America is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help
Consumers have a right to opt out/limit sharing by credit card companies so they do not market our information at our expense. I received a notice from Macy's/Bloomingdale 's in the mail today telling me that I had the ability to opt out by calling an XXXX number listed on the notice ( XXXX ). Although it is unfair to expect the consumer to opt out ( they should ask us if we want to opt in ), I did so by calling the number as directed. I subsequently got passed around to XXXX different people and after 25 minutes on the phone I was connected to someone who could help ( XXXX, Macy 's customer service ). This is a deceptive trade practice. It creates a barrier for consumers to exercise their rights by having them spend 25 minutes on the phone. Most people would have simply given up and the credit card company would have gone on sharing my information at my expense. The law needs to change so that consumers, not corporations, have their privacy protected by default. I eventually was successful, but it is unreasonable and a deceptive practice by Macy 's to prevent consumers from limiting the sharing of our protected information.
XXXX XXXX XXXX sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from XX/XX/2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.
This debt has been sold and therefore the original debtor holds no contract with me. This debt is held without my knowledge or consent and I have never entered into any contract with united revenue corporation.
XXXX, CHARGE MY ACCOUNT OFF BY CLOSING IT. CLOSED IN 60 DAYS LATE XXXX 2016, SEE CREDIT REPORT, SENT TO XXXX XXXX FOR PAYMENT. THEY SAW THE MISTAKE AND SENT IT BACK, XXXX SENT IT BACK TO THEM BECAUSE THEY WAS PAID. I TALKED TO THE XXXX XXXX SUPERVISOR, HE CLOSED MY ACCOUNT AND SENT IT BACK. BOTH AGENCIES REFUSED MY LAST PAYMENT AGREEMENT TO BECOME CURRENT XXXX, XXXX, XXXX, I WAS CURRENT PAID EVERY MONTH FROM XXXX TO XXXX XXXX WHEN THEY REFUSED MY PAYMENTS. NOW I WROTE TO XXXX TO RESOLVE MY ISSUES. BY FRAC LAW. THEY REFUSED TO RESPOND THEY NOW OWE ME AND MY DEBT IS TO BE O ACCORDING TO THE LAW WITH COMPENSATION DAMAGES TO BE PAID. PLEASE HELP, I WILL WAIT YOUR RESPONSE, I HAD AN AGREEMENT TO PAY WHAT WAS PAID, THE MINIMUM FOR 3 YEARS XXXX, IF I HAD A SHORT PAYMENT, WHY DID THEY TAKE MY MINIMUM PAYMENT AS WE AGREED EVERY MONTH. SAID NOTHING AND CLOSED MY ACCOUNT IN 60 DAYS LATE VIOLATING ALL KINDS OF LAWS. PLEASE HELP THANK YOU FOR YOUR TIME. they say i owe it, it was paid i think because i was told XXXX had to pay them for the debit! or XXXX had to pay them for XXXX. which make them guilty and i owe them nothing.
We filed a bankruptcy over 15 years ago, and a XXXX XXXX card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ( XXXX ) they sent us a letter for collections purpose, I sent them a Drop Dead Letter soon thereafter, we had never heard from them until today XXXX ( Portfolio Recovery ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
I have an AAdvantage credit card with citibank. They offered XXXX American airline points bonus after I spent {$3000.00} ( I do not remember exactly the number, but either {$2500.00} or {$3000.00} in the first three months of account opening ). I have spent {$5000.00} on this citi card. I just chatted with a citibank representative, on XX/XX/2019, and was told that I am not eligible for the bonus as I had this type of credit card in the past. Since I applied and was approved for the new card, citibank never told me this information. If am not eligible for the bonus, which is the main reason I applied for the card, I should be notified in writing. And I never received a letter indicating that I am not eligible for the point bonus.
An account with XXXX was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus 2 times, once as XXXX, once as their in-house collection division called Asset Acceptance. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.
Wells Fargo opened an account in my name and has had someone named " XXXX '' send XXXX of dollars in the last year. The account ends in XXXX and over the past year, I have received no less than 20 notifications that XXXX of dollars had been sent to me. I have called and walked in to a branch to complain about the account that was opened in my name and no one from Wells Fargo will close this fraudulent account. Closing my all of my accounts with them did not help. As of today XX/XX/2017, I am still getting notified of XXXX sending me money through Wells Fargo XXXX to an account that I never opened.
This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( 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 809 ( 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. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
XXXX. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
Currently, NCC Business Services of XXXX, FL is reporting twice on my credit report for {$740.00} and {$500.00} to all 3 credit bureaus since XX/XX/XXXX. NCC Business Services is  collecting on behalf of XXXX XXXX XXXX in XXXX, MI. I have been disputing the information as inaccurate since it was first placed on my credit. I lived at XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I moved in XX/XX/XXXX, on an agreement with the property manager that I would be let out of my lease with an intent to surrender notice. At that time, I owed NO money to XXXX XXXX XXXX. Prior to me moving out, I had a court settlement with XXXX XXXX. The court ordered me to pay all of the money I owed minus the erroneous fees that they charged or I would be evicted. I was ordered to pay XXXX XXXX in full for the back rent I owed and XXXX, in full by XX/XX/XXXX or I would be evicted. There was money that I also placed in Escrow with XXXX County 8th district court until a settlement had been reached. I moved out of XXXX XXXX XX/XX/XXXX with a {$0.00} balance. {$0.00} minus the late fees and including the money that would have been payed to them out of the Escrow account. I have a ledger to prove the payments I made as well. In XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to see what exactly the details of these amounts were. I was asked to put together a dispute and send it to them via email and they would investigate it. I composed a dispute to XXXX XXXX XXXX via email, including a ledger and documentation from the courts to prove that I owed no money to this landlord. I asked for NCC or XXXX XXXX to produce an updated ledger through XX/XX/XXXX. I provided my record with XXXX XXXX district court to show that they mailed the money from Escrow as well. XXXX XXXX is aware that money was being mailed to them from the Escrow account because it was determined in court. I also provided the court documents to NCC Business Services as well. NCC Business Services told me back in XX/XX/XXXX that they would send over my response to XXXX XXXX and follow-up with me within 2 weeks. It is now XX/XX/XXXX and I have not received a response from NCC Business Services or XXXX XXXX and the inaccurate information is still being reported on my credit. This inaccurate has kept me from being approved for apartments because it seems as if I left owing a balance which is false. It is unfair for a company to say I owe them money and send it to a collection agency to retrieve the money but have no proof of how I owe the money or where the amounts came from specifically. They also can not prove that I damaged the property in any way. It is unfair to me that my credit is suffering for inaccurate information and there's nothing that I can do to rectify the situation. I refuse to pay money that I do not owe.
The company refused to provide verification of debt nor any details about the debt. We made a good faith effort to find out what this debt even was. " XXXX, '' the first agent was given the account number and was able to pull up my name. We asked several times to disclose to us what this debt was for. She insisted on acquiring personal information which we stated from the start - we would not disclose ANY personal information until we were able to verify the validity of the debt and the authenticity of the " collection agency. '' She already had an account number and my name. 

My advocate asked to speak with her supervisor, we were on hold for some time ; when " XXXX '' did finally come to the phone, we explained in detail what happened with XXXX. XXXX argued with us that we were required to provide personal information to her. Under the Fair Consumer Protection Act I know this is indeed not true. It is my right to protect myself and request validity of their identity and supporting documentation proving their claims. XXXX refused and argued, she would not provide verification of the debt, she became aggressive, she threatened me with a judgement ... again without any verification of the debt and the call was abruptly ended.
The company Prestige Financial is the company in whom I have a vehicle loan with. The loan is due on the XXXX of each month with a 10day grace period, which then will accrue a late fee after the XXXX of each month. I get text messages from them 2 days prior to the due day and every day 2 and sometimes 3 text  message a day inquiring about when can they expect payment. If I have ever been in a financial situations I have always communicated with them but to send message after message and say things like I don't know why you will not communicate and I have not even completed the grace period. I has just become overwhelming at this point.
On XXXX XXXX, 2015 I CLOSED my Bank of America credit card account. On XXXX XXXX, 2015, and XXXX XXXX, 2015, Bank of America accepted and posted charges to the CLOSED ( statement attached ). I called Bank of America on XXXX XXXX, 2015 and spoke with XXXX XXXX who identified himself as a supervisor in the dispute department. I informed XXXX XXXX the account is closed and I also informed him that no company is authorized to post charges to the account. XXXX XXXX refused to accept a dispute of the charges and advised Bank of America will continue to post these charges to my CLOSED account. He further advised that it my responsibility to work with the vendor to have the charges stopped. I repeated my statement to XXXX XXXX that the account is closed and as of XXXX on XXXX XXXX, 2015, Bank of America has been informed that no company is authorized to bill the this CLOSED account. XXXX XXXX again refused to accept the dispute and again repeated that Bank of America will continue refusing to honor the closing of the account and will continue accepting these charges and posting them to my CLOSED account in spite of being advised the charges are not authorized.
In XXXX of 2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. XXXX XXXX is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by XXXX XXXX to all 3 credit agencies. Trans union, XXXX  and XXXX.
A former employer ( XXXX XXXX ) failed to pay the entirety of medical bills for a worker 's compensation related injury. The former employer did not disputed the bills and they paid some lost wages. The hospital ( XXXX XXXX XXXX XXXX XXXX NJ ) is attempting to collect the debt through Midwest Recovery Systems. I believe that the hospital and XXXX XXXX are breaking various laws. My former employer has a legal responsibility to pay the medical bills under state laws. The hospital was aware that this was a workers comp claim, and that in NJ employers are legally responsible for paying medical bills for workers comp cases. 

The account is in collections and might effect my eligibility for a mortgage. I have documents and emails which support my case Please Help!
On XX/XX/XXXX I went into a Bank of America Branch in XXXX, XXXX  and reported my card missing and had my card closed and was issued a temporary card. I started using my temporary card right away and didn't know my card that I was told was inactive/closed was still being used as well. While I was living in XXXX and have proof of me not being in the areas of my stolen card being used. The total amount was XXXX that I deserve to be credited as I went in and closed the card before any of these transactions had happened. They are telling me I might of given my card to someone but that makes zero sense since I went in and closed the card right away before any of the transactions even happened. I have plenty of bank statements anything that needs to be supported. If this doesn't get resolved now the next step will a lawsuit.