WillisBack/dataset-financial-user-claim huggingface dataset:
The lender, Select Portfolio Servicing sent a letter out to me after I was denied a loan modification. The letter was dated XX/XX/2018 and had options in which I choose to short sale my home. The letter also stated to have the requested documents back to SPS no later then XX/XX/2018. I sent the signed documents to my agent XXXX XXXX and she sent all of signed docs and listing agreement to the lender on XX/XX/XXXX and XX/XX/2018. My agent then called SPS to make sure the docs had been received and she was told we longer were eligible for a short sale, that my only options were cash for keys or a reinstatement of the account. The letter SPS sent and it is attached, clearly states we had until XX/XX/2018 to get the requested documents in for the process of the short sale. My agent was also told by the reps that the letter is generalized and the options offered expired. How would any consumer know that? Where on this letter does it state my options would be expired before the date they gave me to have all of my documentation in? The letter states to reach out to the lender within 30 days of the date of the letter whish is dated XX/XX/2018, that's not 30 days, we just received the letter last week. I would like for upper management to review this file and letter that they sent to me and I am requesting that I would be allowed to short sale my property to avoid the set foreclosure date they have set. This is a bate and switch for sure, I have never seen any kind of trickery like this ever and it can not possibly be legal, I am seeking legal representation on this matter.
XX/XX/2018 restructured life of loan to extend. Cancelled auto pay of $ XXXX month to new payment of $ 175 month. Confirmed this was completed. New payment on XX/XX/18 would be implemented. 
XX/XX/2018 inform Navient not to make an error with charge XX/XX/18 get charged with {$470.00}. Call Navient to let them know of mistake. State 3 days for refund. 
XX/XX/18 no refund. Call Navient. They claim this will happen 10 business days afterwards Being overcharged and unapproved amounts taken from.
XXXX XXXX continuously sends me bills in the mail saying I owe {$800.00} from a paypal credit line to which I have never had. I have already told them on the phone this is not from me and to stop contacting me but they continue to send bills multiple times a month. I have never had a paypal credit line and you dont even have my correct name on the bill.
I had worked with XXXX and XXXX XXXX from Delta Management Associates who were handling collections on behalf of American Student Assistance regarding defaulted Federal Stafford Loans. I had provided a payment of {$7800.00} to be applied to loan XXXX which would be paid off in full. The XXXX remaining loans of XXXX, XXXX, XXXX would be entered into rehabilitation with a monthly payment of {$230.00}. The loan ending XXXX had an interest rate of 6.8 % while the other XXXX had interest rates of 2.32 %. Delta Management Associates misappropriated my payment across all XXXX loans instead of applying payment as agreed upon and paying XXXX completely off. I view this misappropriation as a deliberate action of the loan servicing company, Delta Management Associates, and believe that their practices should not be tolerated by the US Government or the CFPB and that their license to service Student Loans should be revoked.
the credit reporting is refusing to reinvesitage past paid in full accouts and update or remove inaccurate imformation on my report its still showing derogatory or collection made 5 disputes and no effort to make chaneges was paid to orignal creditor before transferring to different collection agency
On XXXX XXXX, 2015, I made an on-line purchase for pillows totaling {$49.00}. I charged this to my Macy's/XXXX XXXX Credit Card , which was recently sent to me as a replacement for my original Macy 's issued card. Following this, I awaited receipt of a bill from Macy 's so that I could pay the correct amount owed on time as I have consistently done in the past. HOWEVER, I NEVER RECEIVED A BILL FROM MACY 'S. I would have gladly paid the amount I owed in XXXX, but since I never received a bill as I had in the past, I was unaware of the fact that this bill was outstanding. I have subsequently learned that Macy 's made " recent upgrades with their online payment system '' on XXXX XXXX, 2015. The result was that I never again received any statement, invoice or notice about the outstanding charges either by email or paper statements, from XXXX through XXXX 2015. To clarify, I HAVE NEVER RECEIVED ANY EMAIL MESSAGES OR E-STATEMENTS OR PAPER ACCOUNT STATEMENT FROM MACY 'S INDICATING THAT I HAD ANY OUTSTANDING CHARGES OR LATE FEES SINCE THE ORIGINAL PURCHASE IN XXXX. 

On XXXX XXXX, almost five months later, I finally received a bill from Macy 's for {$190.00} [ {$140.00} of this being late charges ] and was told my account was now in collection. I called to inquire about this outrageous bill ; the customer service representative was less than helpful. She told me that even though Macy 's never sent me any bills or notices, that this was somehow my fault and that there was nothing she could do to help sort out this problem. I asked to speak to a manager and she said she would note that and ask that someone call me. She also stated that I had agreed to receive notices via email, which I do not recall doing. In fact, there is nothing on the Macy 's online account website that allows customers to make this choice. 

On XXXX XXXX, I made a payment over the phone for the total balance I originally owed -- {$51.00} -- and a different CS rep agreed to waive two months of late fees, which was the limit of her authority. 

My balance according to Macy 's remains at {$73.00} in late fees. THIS IS STILL UNACCEPTABLE. Macy 's supposed " upgrades '' to its billing system appear to have caused the termination of any communications with me or issuance of any monthly statements. Instead, the new system initiated the assessment of late charges at an alarming rate, without any knowledge on my part. 

I believe it is totally deceptive and unfair for Macy 's to charge me such excessive fees due to Macy 's own failure to send me a bill or notify me until now. This new system appears to be designed to ensure that extravagant late charges are applied without the customer being notified of them. 

Further, several of the online guidance items entitled " How do I add my Macy 's Credit Card to my existing macys.com profile? And " How can I dispute a charge on my Macy 's Credit Card? '' which evidently are administered through yet a fourth corporation, Department Stores National Bank, do not work and did not allow me access to complete any of these functions online in the past few days.
They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.
We currently have a home equity balloon XXXX mortgage with BMO Harris Bank. We have paid this loan for 10 years and we have never been late or missed a payment until this point. XXXX XXXX lost his job XX/XX/XXXX and XXXX XXXX also is not working. As a result of our financial difficulties we could not pay the new balloon payment which went into effect XX/XX/XXXX. When we took out the home equity loan we were lead to believe that if we were unable to pay the balloon payment amount the loan would be re-set to interest only as long as we were current in our payments. 
BMO Harris purchased our loan from XXXX. We contacted the BMO Mortgage Dept. to see if the loan could be refinanced. BMO Mortgage informed us that because our credit had eroded due to our current financial difficulties that there was nothing they could do and referred us to the BMO Loss Mitigation Department. At the time our loan was not delinquent. The BMO Loss Mitigation Dept. informed us that there was nothing they could do because the loan was current. They went on to say that only after we were delinquent could they work with us on a solution and loan modification. They also went on to say that our credit score was going to be negatively impacted because they were going to report us as late to the credit reporting agencies. 
We have been working with the XXXX XXXX XXXX XXXX. They are a HUD certified mortgage housing counselor. ( Attachment ) XXXX advised us to first work out a plan with the XXXX mortgage holder and then work with the XXXX mortgage holder. XXXX recommended that approach based on the fact that we could not commit to a payment plan on the XXXX mortgage when we did not know what our XXXX mortgage payment would be. As a second mortgage holder we told BMO that we were first trying to work out something with the XXXX mortgage company before dealing with the BMO XXXX mortgage because until we knew what our first mortgage payment was going to be it was not possible to commit to a payment plan with BMO that we might not be able to maintain. ( Attachment ) However BMO has not been sincere in trying to help us with a XXXX mortgage modification. After we got a loan modification from our first mortgage holder we notified BMO and they filed a " Notice of Foreclosure ''. ( Attachment ) BMO is not working with us in an honest manner. They are continuing with a foreclosure while making unreasonable documentation requests within a limited time frame. ( Attachment ) The foreclosure notice was only sent to us and our condo association. Sending the foreclosure notification to our condo association was not a legal requirement on the part of BMO. They notified our condo association of the foreclosure in order to embarrass and intimidate us. We think BMO is using fear and intimidation toward us because we are XXXX, XXXX and have a large amount of equity in our home. BMO Harris wants to railroad us into foreclosure with a minimum amount of effort toward modifying our XXXX mortgage even though we had an excellent 10 year history in the past.
I bank will wells fargo. I only had a {$1.00} in my checking account. The company allowed a payment of XXXX from XXXX to come in. I ask wells fargo before to not allow debits to come in if the money is not available and the wells fargo did it again. I have {$35.00} NSF fee, because of it. I called and spoke with XXXX XXXX who did not want to help with this situation.
I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed.
On  XX/XX/XXXX  an account was reported as being opened by commonwealth financial with an amount being owed of {$920.00} I then sent a validation of debt letter via certified mail on  XX/XX/XXXX  which in return I received a letter back from them dated  XX/XX/XXXX  stating that commonwealth financial systems, inc. Has closed and returned the above referenced account to our client,   XXXX   XXXX   XXXX  . They also stated CFS will send a deletion update to the   XXXX   major credit reporting agencies in which they have not.
I have worked for a local government over ten years and have made 120 qualifying payments towards my student loans. 

My application is being unfairly denied because my loans were consolidated under duress by Sallie Mae in 2005. 

Sallie Mae has since sold my loans to Navient, and neither they, nor the U.S Department of Education will forgive these loans even though I meet all of the criteria for the program. 

The next step without resolution will be to make a federal case here on behalf of fellow plaintiffs in a similar position in a Class Action lawsuit brought against the federal government.
When I first graduated, I was not notified of any payment plans I was eligible for. Due to my significantly lower initial income at the time, an Income-driven payment plan would have significantly lowered my monthly payment.
Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
In XXXX I filed bankruptcy after my husband and I separated. PHEAA claimed they were awarded a judgment against me while I was in bankruptcy however I never received notification and neither did my lawyer. In XXXX XXXX, I started contacting my student loan servers as advised by my lawyer once my bankruptcy was discharged. I was advised by PHEAA that I was I default and would have to go through a 9 month program. I advised the individual that I was recently discharged at which it had not been 30 days yet so how could I be in default already. I requested information about notification of this default in which he gave an address that was a year old. My lawyers updated my phone and address information once my bankruptcy began. The notification of default was sent a month after my bankruptcy was filed. I agreed to sign up for the program, faxed over my paperwork and then told it could take up to 6 weeks for approval. On XXXX XXXX a month later I was approved. I was told to go ahead and make my first payment and my direct debit would be in place for the payments going forward. Since then I have talked to XXXX other representatives because my direct debit was never set up. Today I received a report of default on my credit from PHEAA. They are closed of course and I am sure this is because no direct debit from them has processed through my account. This is tremendously disheartening I feel like they are intentionally doing this to ruin my credit and garnish my paycheck. I wish there was another way to make my payments through anyone but PHEAA and XXXX they are the worse with customer service. XXXX is even more difficult because everytime I talk to someone there I 'm told something totally different. I wish the retail market never crashed back in XXXX. I would enough income by now to pay them off
Account/Product Type : Mortgage Loan Complaint My mortgage loan has been sold for a 2nd time since XX/XX/XXXX of XX/XX/XXXX, Original loan holder was XXXX, the principal balance prior to the loan modification was XXXX after the loan modification was completed the loan went to XXXX with adding Escrow fees. Then in the process of closing the deal for the loan modification with XXXX the loan was sold to Caliber Home Loans after talking with them about the loan modification with XXXX they honor it and I started paying them the mortgage, Now I get a letter saying the loan was sold again to XXXX XXXX XXXX  as of XX/XX/XXXX received that letter on XX/XX/XXXX mortgage has been sold again to XXXX but the balance was is XXXX what the heck! 
But Caliber Home Loan is still the servicer.
By law Equifax has XXXX to provide valid signatures on all accounts being disputed. they failed to do so. they now are in violation and will be sued
I do not recognize nor did I authorize the following inquiries to be made : XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
my house was set for a deed in lieu. The mortgage company asked the judge to cancel the foreclosure but the motion was denied. The house was foreclosed on. I cooperated fully with XXXX XXXX and vacated the home as agreed. 
I recently got a letter in the mail from Dyck-'Oneal Inc. stating that they were assigned this debt from XXXX XXXX and that I owed {$44000.00}. They reported to XXXX and XXXX already. I was never given any details on this amount other than them listing XXXX XXXX as the original creditor, no account number was listed. I have not had a XXXX mortgage for over 10 years. I have sent them a request for validation according to the Fair Credit Reporting Act. It is a violation for them to automatically place this item on my credit report without any documentation or proof. These are the items I am requesting : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Identify the original creditor and loan number Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legally entitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) Copy of the original signed loan agreement. ( My contract with the original creditor establishing the debt between us. )
XXXX/XXXX/XXXX, I faxed Equifax my Identity Theft Report, with copies of my identifying documents, with a list of the accounts that were opened in my name without my knowledge or permission. XXXX/XXXX/XXXX, I faxed another copy of my Identity theft report to Equifax, due to them not blocking information that was opened in my name without knowledge or permission, because they said that they could not verify my identity ( Although they did block/delete several accounts after the initial fax on XXXX/XXXX/XXXX ). XXXX/XXXX/XXXX " XXXX '' days later I r'cvd an email ( I requested notice to be sent in writing of their findings ) that my investigation was complete, but unfortunately I am unable to view the results of this investigation, because I can not answer identification questions based on items on the report that I did n't authorize to open so their system is unable to verify me. 
I have asked Equifax multiple times since XXXX to correct the information, but to no avail. I have asked to have PO Box XXXX removed from my credit report, because it does n't belong to me, they remove it and place it back the next month and ca n't tell me who is reporting it on MY credit file. There is a message on my Equifax credit file that says they verified a public record through XXXX, but upon calling XXXX I have found this to be untrue, especially since all of my credit reports and consumer credit profiles have been frozen upon my finding the identity theft, so who or are they really taking the time to properly verify accounts that consumers questions as being inaccurate? 

Equifax is in violation of my consumer rights and I advised them of this on XXXX/XXXX/XXXX, that they are treating my file as if I am asking for a dispute instead of being a victim of ID theft. Below is an excerpt of my request to them : " You are in violation of my consumer rights according to the FCRA. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 
Please do not send me documentation stating that you have verified an item only, I am requesting the name, address and telephone number, of who you contacted in order to verify the information. Please inform me with whom did you speak to? Did you write to them? Was a XXXX form used or was this through electronic automatic dispute verification? Were you able to reach them at the same address/phone number listed on my report? 
The FCRA states that you have to tell me this in XXXX days upon my request. Provide me documentation that this is my account or delete it? Please do n't provide the generic response of how you use various methods, I need to know exactly how you verified them and I am requesting that you include the full name of the person you actually spoke to regarding this matter. '' I have attached a copy of the entire letter that was sent to equifax, I also sent them each item in the letter that under the attached column for ID verification, and I was till asked to verify my identity, which is very confusing being that I sent all of the required documents.