WillisBack/dataset-financial-user-claim huggingface dataset:
I was under the impression that XXXX XXXX, XXXX was a Student Loan Forgiveness program. Since my enrollment last year, XX/XX/XXXX, the company has changed from XXXX XXXX to Equitable Acceptance Corporation to now XXXX XXXX! I received details on the change in a timely manner, however, when trying to get in contact with XXXX XXXX for at least a month, they informed me that Equitable Acceptance is NOT a Student Loan Forgiveness program! This is an issue as I have been making automatic monthly payments of {$49.00} since XX/XX/XXXX. This company did contact me during this time claiming they will assist with my student loan. When I called the company back in XX/XX/XXXX, as my re-certification for the income driven plan was due, the agent connected with the FAFSA, with me still on the line and proceeded to tell the FAFSA agent to place my account on forbearance. When they finished, I questioned why would there be any reason for putting my account under forbearance as I was paying a monthly fees. I was told that this will help reduce my current loan amount when my consolidation is over. I now owe Equitable Acceptance {$980.00} in order to cancel my account with them and to make ACTUAL payments towards my loan. I never wanted forbearance! The XXXX XXXX agent had me on the phone for nearly 1 hour, taking down all of my details AGAIN. All I want is to cancel this account and the XXXX XXXX agent said I had to continue my payments with Equitable Acceptance. I am very confused because supposedly Equitable Acceptance is no longer my representative as they connected me with XXXX XXXX. One of these companies is taking my payments, however, my student loans remain the same. I am afraid that these companies continue use the forbearance. Currently, I put a stop to the automatic payments for Equitable Acceptance and I am running the chance of the payments going to collection. I really need assistance to resolve this matter, even if it is at the very least the best advice you can give will be greatly appreciated.
XXXX is a fraud account. I never opened an account with XXXX. Please remove and delete immediately from my Equifax credit report.
I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise
This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX
My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint.
They " NEVER '' say who this company is, they say it 's on a " recorded line '' and DEMAND your personnel info. I have never once given my info out over then phone, and never will! They have called me in 1-day over 9 times, which immediately throws red flags up that it 's a scam. I did my own search on the internet, and there are 429 complaints against this phone number!! Can you say SCAM? I sure hope the FCC runs them up the flag pole, or I will have no choice but to change my number! Scam ... scam ... .scam ... .scam!
I set up a monthly payment of XXXX dollars due the XXXX of each month ability recovery solutions has been taking a payment twice a month after XXXX calls to the company asking them to change the date to the XXXX only they have never verified that they are speaking with the correct individual that owes the debt and are extremely hard to get in touch with i was enrolled for 60 a month after 1 month they said i owed XXXX as i had completed 60 % of the course
On XXXX I was approved for a forbearance with select portfolio servicing. However, I was under the impression it was a modification which I later found out to be the forbearance. In XXXX of XXXX I was told my new payments were going to be roughly {$1500.00} a month. At that point I made my monthly payment in XXXX and XXXX. In the end of XXXX I was told I had the forbearance and I was behind in payments by the amount of {$4700.00}. At that time I considered refinancing my home, but was unsuccessful because the housing market had crashed. XXXX XXXX my payment amount begin to fluctuate around the amount of $ XXXX {$1700.00}. I contacted XXXX in XXXX of XXXX to start the modification process to save my home. I submitted all of the required documentation that was need in XXXX and again in XXXX. I was told by XXXX that my modification was approved and all my documentation was sufficient. I was placed on a trial payment plan in XXXX of XXXX in the amount of {$1400.00} ; I made all the required payments in XXXX, XXXX and XXXX ( all payments were automatically withdrawn from my bank account. ) On XXXX XXXX, XXXX I received a letter from XXXX stating that my modification was approved and new payments were to begin on XXXX XXXX. I just needed to sign the loan modification agreement by XXXX XXXX XXXX ; which I did on XXXX XXXX. I submitted the signed documentation by fax on XXXX and originals by FedEx on XXXX. On XXXX XXXX I was contacted by XXXX and was told that my divorce decree was not sufficient. This is the part that I am confused on, because in XXXX and XXXX my divorce decree was used at that time but now I am being told that it is not sufficient to complete my modification ( which was already approved ) and they have now stated they will denied my modification and start the foreclosure process on my property. I have tried to contact them to see what is the issue with my divorce decree and have spoke with several managers and was told " there is nothing we can do '' and then have been hung up on. I asked if I may file a complaint, I was told they do not do compliant. I spoke with XXXX XXXX XXXX and XXXX XXXX. XXXX has stated my past due amount is {$6900.00} as of XXXX XXXX.
Please help me with the short sale on my home I did try doing a modification and was turned down since than things have gotten worst with my Daughter at school and in this neighborhood. After my divorce and my wife left I am now a single farther and with all the expenses and my daughter having bad personal problems we can no longer afford to pay for the house or live in the neighborhood. I have tried selling the house but with all the house needs to be livable I dont have the money to make that happen Please help stop the sale so there is time to make this happen.
XXXX XXXX XXXXCardmember services (see attachment)Above company received my dispute on or about X/X/2017 (XXXX).XXXX advised she would pursue the dispute and at the end of 90 days sent a letter (attached) indicating I requested "to cancel the dispute as you no longer dispute the transaction" which is absolutely false.Upon discussion with XXXX I learned her actions were grossly negligent and had no intention of pursuing  the dispute.XXXX XXXX
I have contacted professional debt mediation several times concerning a debt in the amount of {$1000.00} that is not owed to  XXXX   XXXX . This debt was paid on  XXXX   XXXX ,  2016 . I have provided all the proof required via email to both PDM and  XXXX   XXXX , but both companies refuses to take action and cancel out the debt.
I do not know this company nor did I ever enter into a contract with them. Through researching them on this website, I see that I am not the only victim this company has tried to collect a false debt from. 
They have also done the same to my wife and at the time XXXX-year-old son who was still in XXXX XXXX, again they never heard of them nor did they sign any contract with this company. 

XX/XX/XXXX ( 5 yrs, 6 mos ) {$3300.00} CAPSTONE CREDIT & COLLEC   XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX
Ive received several called over the last few months from this company. They never revealed their name, address or number. I never received any correspondence via US postal service. After asking them to stop calling my ex husband they called him again. After telling them they were supposed to give me written notice of this debt, I was sent an email that went into my junk mail that I just found. Therefore I just found out the name of the company. Ive tried on several occasions to contact at the numbers left, left voicemails with different names yet no company name on the voicemail. No return call. Today I received another voicemail stating they were coming to my job. I called back, got another voicemail no call back. They have never stated the company nor what the debt is for. Nor have they stated I have the right to dispute it. I have also not received anything in writing to show I owe this debt.
TO : Department of Education RE : 2nd Round Dispute XXXX Grants XXXX XXXX Date : XX/XX/XXXX After raising XXXX kids, working in the XXXX  and XXXX XXXX, I decided to work on my goal of getting a college degree. I pursued a degree in XXXX and currently work as a XXXX in a XXXX XXXX in Idaho. I financed my education through XXXX grants and student loans. In XX/XX/XXXX, I received {$3500.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In total I received {$7500.00} in XXXX grants. I graduated   from XXXX XXXXXXXX University on XX/XX/XXXX. 
To receive the grants, I participated in the XXXX XXXX XXXX. I read and signed the service obligation agreement. Part 2 of the service obligation states that, I must confirm to my XXXX grant servicer in writing within 120 days after I have completed or otherwise ceased to be enrolled in a program for which I received a XXXX grant that 1. I am employed as a full time XXXX in accordance with the terms and conditions. 
2. I am not yet employed as a full time XXXX, but I intend to meet the terms and conditions of my service obligation as described above in item 1 of this section.

Also, every year requires an annual certification form signed by the school administrator. 
My official graduation date was XX/XX/XXXX. The date to certify should have been XX/XX/XXXX ( 120 days after graduation ). However, somehow the certification date was changed to XX/XX/XXXX. Also, the annual certification date should have been XX/XX/XXXX. On XXXX XXXX XXXX, my XXXX  grants were converted to loans. I questioned this conversion, the timing of it, and wrote a 1st round dispute requesting the newly converted loans be returned to XXXX grants. This request was denied. 
I am requesting a second time that the {$7500.00} in XXXX grants plus interest that was converted to loans be returned to the XXXX  grant status.
I signed up for a care credit card which was offered through my doctor office for the use of my visits. At first, they charged me {$2.00} for interest in the first 1-2 years and there after the interest spiked to an exorbitant amount. Below, are the excessive fees that are applied to this card. 

Interest charges are the following : XXXX/XXXX/XXXX {$790.00} XXXX/XXXX/XXXX {$340.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$63.00} Balance in XXXX XXXX ( prior to these large interest charges ) : {$2200.00} Current Balance as of XXXX XXXX : {$3000.00}
We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor acknowledges receipt of the letter requesting no further communication, the creditor asserts its right to continue to send " servicing correspondence '' such as monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.
I purchased item # XXXX ( MacBook pro 15.4 '' ) from EBay for {$890.00}, USPS misplaced the item ( not the seller fault ) For 9 days after filling missing item with them, I filed claim with Ebay for not receiving the item, after two weeks the item returned to seller my money {$890.00} was n't refunded to my account EBay charges a percentage from the seller for selling the item, if I did n't follow up with EBay even I filed the case, all service calls Handle XXXX, to trick USA customers Ebay forcing XXXX to lie about their name and make things up and from one rep to another their procedures and regulation are different and EBay or their service provider ( XXXX ) selling or profile credit cards, social Securty number and etc, every year I find charges on my credit card even I have the credit cards on my Wallets and after 3 weeks Ebay did n't refund due to already charged their percentage from seller, now they saying call Paypal, Paypal using Indians for their service too, we are going to refund your money within 72 hrs, if the charge was n't {$890.00} probebly I will forget to follow up, anytime I win a bit and if the price is lower than actual price, EBAY AND PAYPAL screwed me for some reason and takes weeks to get the money back, the questions are does the seller exist, is it possible EBAY and PayPal screwing people from their money they might doing it at regular bases in USA because or laws are thougher but CFPB must look to this issue maybe something going on, CFPB does n't have to believe me but you be the judge! thanks
I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all three agencies.
I have been a BANK OF AMERICA customer for over 10 years and never had any problem till recently when i had lost my card at a XXXX gas station in month of XX/XX/XXXX. This is what happened i went on line on XX/XX/2018 to make a payment on my credit card that was issued by BANK OF AMERICA and noticed many transaction on my statement that was not authorized by me nor anyone i know, i immediately contacted bank of america and notified them about these unauthorized charges and the gentleman that was helping me asked me if i have my card on me and told them let me check and told him i can not find my card i think it is lost. Right after that he told me he is going to block that card and he is going to issue me a new card also told me that i am not going to be responsible for any of these unauthorized charges and we went on list of the transaction that was done fraudulently and they give me a case number and that was the end of conversation. A day later i git an e mail that my new cards on the way and i looked at my  statement and noticed that my account was credited {$1200.00} which that was not the correct amount the correct amount was over {$13000.00}, i immediately contacted bank of america and this time i spoke to a lady that we had to do the same thing go over all the charges and they said that they are sorry and they credited my account for the difference. I assumed everything was final because i never got a fraud package from them but i got an email that said the money was credited to my account they are taking back because there was three charges that i disputed originally and the person was taking the note from me forgot to put those charges in their notes and base on that they are telling me all the other charges are mine. which is the reason i am here to solve this issue because no one needs to go through what i am going through. Please HELP ME.
My husband and I lived in an apartment XXXX XXXX. We were told our lease would not be renewed. We had a {$450.00} dollar deposit and when we checked out the leasing agent went through apartment and said she had never seen a cleaner apartment. When we moved in we did not get any new paint or anything as we were only on a 3 month lease. Our last month as the leasing agent XXXX told us that we would have the remainder of our deposit mailed to us which we only owed 9 days on rent. They put me in collections for over XXXX $ which we did not Owe! I tried to contact the apt manager and she would never call me back and just put me in collections on my credit bureau! They even put our water bill which is not affiliated with them.
About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. <P/>I 've yet to receive anything.
My sister passed away in 2009 with a loan on a property that is now in my name but the loan is in her name .B of A over the last 5 years has not let me assume the 6.35 % loan there fore unable refi. Property was under water and over the last five years B of A has made it very difficult. I short sold a piece of property trying to refi and that has lowered my credit score.
They ca n't prove I ever took out XXXX student loans in XX/XX/XXXX to XX/XX/XXXX and refuse to provide original copies ...
For several months I have been attempting to retrieve a refund from XXXX  XXXX XXXX ( XXXX ) for {$100.00} as a result of the final payment on my account ( on XX/XX/2018 ) being greater than the balance at the time. In XXXX I was told that the refund would be sent to me in 45-60 business days. Then on XX/XX/XXXX, after 60 working days had passed, I was told that the refund would not be sent to me but would rather be sent to the financial institution that refinanced the loan. After contacting the financial institution that refinanced the loan, I informed XXXX  that they never received such a refund and XXXX responded on XX/XX/XXXX saying that a request would be sent to an account specialist to obtain a reference number or any information regarding the refund. 46 calendar days ( 30 working days ) later I have yet to receive any information regarding the refund. On XX/XX/XXXX I called XXXX to once again inquire about the refund and was told that the check just happened to be mailed that day and that I would receive the check by mail at my home address in 1-3 weeks but " definitely '' by 3 weeks ( though I was told that there was no reference/confirmation number for the check being mailed ). After 3 weeks ( on XX/XX/XXXX ) the check had still not yet arrived. After sending another email on XX/XX/XXXX saying that I never received the check I was told that XXXX had " sent a follow up request to ( their ) Accounting Department '' and will let me know once they have an update. 

It has now been 133 calendar days ( 91 working days ) since the last payment was made on my XXXX account and the difference between the last payment and remaining balance has still not been returned to me.
I had a credit card account with a credit union which later was charged off and turned over to their representing law firm. I had an agreement with the credit union 's representing law firm to pay them off, which I did in XXXX. The law firm supplied me with my paid in full and satisfied letter in XXXX XXXX. I promptly sent the letter to the XXXX credit bureaus to update the status of the account. Experian contacted the credit union and was told not to update my credit information and stated that it REMAIN. I am asking the credit union to honor their representing law firm 's paid in full letter as close out of that account. Experian refuses to accept the firm 's letter as proof of payment because of the credit union 's remark. What can I do to correct this denial of my updated information?
I was erroneously issued a traffic citation with a {$40.00} fine. I appealed this citation, and the fine was dismissed. 3 months later, PennCredit Corporation contacted me to collect a debt of {$120.00}.
I completed what was supposed to be an easy refinance of my current student loan with this company. Another company issued the payoff check of {$13000.00} and Discover confirmed receipt of the check on XX/XX/2017. However, they never credited the check to my account so my account became past due and subsequently reported to the credit agencies. I called in XX/XX/XXXX have this rectified, I was told it would be taken care of. I called again in XX/XX/XXXX once I discovered it had not been taken care of and they escalated my issue and told me they would charge off the unearned interest outstanding of XXXX. Checking again in XX/XX/XXXX, Discover Student Loans STILL had not charged off the amount and I escalated my matter once again. I received written confirmation that the amount of interest had been charged in error and that they had advised the three credit bureaus of the mistake to remove the delinquency. I checked my credit score today and it had dropped 100 points. Upon running my credit report, low and behold, there was the delinquent account from Discover student loans listed on all three reports. I have filed a dispute to all three bureaus, but I want Discover to be  reprimanded for their inability to follow through with basic financial customer service and borderline fraudulent activity.