WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint concerns  XXXX  student loan servicing and  ACS-Education  XXXX   XXXX  loan servicing. My federal loan servicing provider,  XXXX , has given me a deferrment and understands my situation and is helping me.  XXXX  and  XXXX   XXXX   XXXX  are being completely unreasonable and I am sincerely afraid they are violating my consumer rights and threatening my credit, which affects my ability to improve my situation and pay more towards my student loans. I have tried everything and I really need your help. Thank you.      1 )  Since  XXXX    XXXX  , I have consistently, repeatedly and regularly advised these companies of a drastic change in my financial and economic circumstances. I have basically had to start all over in the  XXXX  after having worked overseas for several years. This is harder than expected and the economic climate in the  XXXX  is still not the best. I sent these companies my income/expense calculations for over a year to try and come to a reasonable payment plan and additional forbearance so I can improve my situation.      2 )  The payments they requested are those I simply can not afford because I do not make enough to pay that and pay normal monthly living expenses including rent, food, utilities, transportation for work etc. given that the cost of living increases but my pay checks do not! I have tried over and over again to ask them to accept a monthly payment that I can afford and they refuse to cooperate and understand.      3 )  This month, I promised to pay {$100.00} per month each month to each of the  XXXX  student loan providers. I made the payments on  XXXX .      4 )  I have tried to get student loan consolidation/refinance but the companies I talked to are either not able to help or will not help because of the total amount and the debt-to-income ratio, something I can not control right now. I can not simply quit my job when I have bills to pay!      4 )  What I need from you and CFPB : a ) to reach out to these companies and make sure they do not impact my credit rating, which would or could basically ruin the chance for me to improve my financial situation and be able to get a house, a car, a better position, or anything else where I could make more payments : b ) to reach  out to these companies and ask them to grant me additional forbearance because I desperately need it ; and c ) any other help you can provide to help me with this situat ion. It is causing major  XXXX ,  XXXX , and suffering because of worrying about the balance. PLEASE HELP IN SOME CONSTRUCTIVE WAY!     Thank you and sincerely, -- -  XXXX
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
I have an unverified account from AD ASTRA RECOVERY SERVICES I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3.  Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
When I originally signed my mortgage agreement ( a 30 year fixed rate FHA loan XXXX, I was given an estimated monthly payment of {$1400.00}. Of this amount, about {$820.00} was principal and interest and the rest was escrow XXXX property taxes, insurance, mortgage insurance, etc. ). Both my mortgage agent and the mortgage originator were aware that my property taxes would be adjusted based on the selling price and I was told that the {$1400.00} was an accurate estimate based on all available information at the time of closing. As it turns out, this estimate was very far from being accurate. 

After being in the house for approximately 1 year, I was told that my monthly payment would be going up by {$30.00} per month. I was not happy about this, however, I understand that it is not always possible to accurately estimate expenses so I paid it without complaint. Then about 1 1/2 years after closing ( which was about a month ago ) I received a letter saying my monthly payment would be going from {$1400.00} to {$1700.00} per month, primarily due to higher property taxes. 

This was upsetting for several reasons. First, I can not afford to pay an extra {$240.00} per month for home. Secondly, the property taxes due for 2015 were based on the selling price of my house XXXX not a higher value ) and this was known when my original escrow was calculated. Third, when I called my mortgage service noone ( not even the " operations manager who I waited on hold for 30 minutes to talk to ) could explain how this outrageously higher escrow amount was calculated. All he could say is " Well, it looks like your property taxes went up. '' When I explained that my mortgage company knew they would go up and by how much when my original monthly payment was given to me he had nothing to say. 

To me, this seem like a classic " bait and switch '' tactic by the mortgage agent, the mortgage originator or both. I say this because all of the information needed to give me an accurate estimate of my monthly payment was available when I closed on my home. Instead of providing accurate information, they ( apparently ) estimated my escrow based on property taxes that they knew were lower then those that I would have to pay. I am shocked and want to know if this is legal and XXXX if so ) how it could be so. After all, all other types of installment payments ( that I am aware of ) require an accurate disclosure to the consumer of their monthly payment obligation. After all, if this is not provided how can the consumer determine if the home is affordable or not when they make a 30 year debt obligation. 

Thank you for your time and I look forward to your response.
I have been reaching out to XXXX over the past year about a {$3300.00} debt they claim that I owe. I have responding to them via mail as well as phone in regard to the about of phone calls I have received as well. 

They debt is currently with an in house collection they use named XXXX XXXX XXXX and they have been contacting me via phone since XX/XX/17 prior to then it was XXXX calling ... .. 

Upon calling I am always informed that this debt will continuously report on my credit file and that handling it would clear up any negatives. The inital debt was {$2500.00} ; however, it is now, {$3300.00} and they have stated it will continue to increase the longer I go without paying them. 

I have exhausted all options and everytime I request verification or validation I am sent a phone bill and they always state they will no longer communicate with me until I am willing to make payment.. 

This negative account is really affecting my credit rating and ability to obtain employment.
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Commonwealth Financial Systems is reporting false and misleading information to XXXX. I have never heard of nor have I ever contracted with Commonwealth Financial Systems. On Tuesday, XX/XX/2018 I mailed out certified letters to both Commonwealth Financial Systems and XXXX seeking validation, not verification of this allege debt under the Fair Debt Collection Practices Act. As of Sunday, XX/XX/2018 both Commonwealth Financial Systems and XXXX have failed to provide me with a response and they have also failed to provide me with a release that releases my medical information to them, therefore by providing ( Commonwealth Financial Systems ) and furnishing ( XXXX  ) such information they are in clear VIOLATION of my HIPPA rights. I will now seek every legal remedy available to me and file suit against all parties responsible for reporting this violation.
Im seriously frustrated with both Portfolio Recovery and Experian because i feel like they violated many of my rights, and are working together to damage my character. They 're making it hard for me to become credit worthy by not following the FCRA & FCDPA guidelines. First they kept calling everyday, to the point i had to change my number, ive been disputing this account since XX/XX/2015, ive asked for them to validate the debt they claimed i owed, which they failed to do that three times, sending me identity theft forms instead of proof of validation. They continue to report the debt hurting my credit after i sent them XXXX letters, & disputed it with the credit bureaus. I want those XXXX accounts removed! They failed to validate the debt a long time ago, and continue to report it knowing that they 're violating the FCDPA. Remove these items now, or i will escalate all matters with my attorney!
Equifax gave me incorrect info when checking to see if I was impacted by their 2017 security breach. First I 'm told I 've been impacted, then I 'm told I have n't.
Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( XXXX ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
XX/XX/2017 I have an inquiry from XXXX National credit cards airline, and I never did any business with this company. I would like it off my credit.
Loan number XXXX XXXX XXXX I have been disputing this organizations errors sinceXX/XX/XXXX. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement datedXX/XX/XXXX showing my payment were up to date and that my next payment was due on XX/XX/XXXX. This corresponds to my records. On XX/XX/XXXX XXXX reversed TWO months of payments resulting in my payments forXX/XX/XXXX and XX/XX/XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them.

XXXX XXXX
The following account listed on my Equifax credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX.
We have a equity loan with Citibank and they sent us a letter that is was in repayment and we had XXXX options to choose from. to put it all in a fixed rate which would double our payment half in fixed and half in a variable. ( which we chose ) or all in a variable. Well by choosing to split it, it assigned XXXX accounts numbers to the loan. I called to see if we could just put the accounts together and they said no, we would have to refinance. When I called to refinance they said that we could n't refinance. We are planning on moving in the next couple of years so it would not benefit us to shop around for a new loan. We I sent the payments in they keep misapplying them to the wrong account. I keep getting past due notices, I call and they say they are correcting it but then the next month the same thing happens. I made the payments on line and they told me that was causing the problem. so I said should I just make them at the bank and then they told me I cant make the payments at the bank because they wont process correctly, so they told me to call in.I called in and they said I need to mail it in or it wont process correctly. How can you give me a loan and not be able to process the payments correctly. When I asked if they are reporting me late to the credit agencys that said they do n't know I will need to check my credit report. Every person I speak to give me a different answer, and then they are calling me for collections when they are still researching my payments. I want them to process my payments correctly, this is getting very frustrating.
I have been trying for several years to access my HSBC account. First, I tried to withdraw my money from an ATM, only to learn that my ATM card did not work. I went inside and was told I could only be assisted over the phone because I had opened my account online. Once I called, I was told that my account was locked because I had not accessed it. I asked for it to be unlocked and was told that I would have to submit a letter with photo ID. I sent this in but never heard back and, to be honest, forgot about the account. Then, in XXXX of this year, I received a form that my account was in dormancy status and would be turned over to abandoned property if I did not complete the form, have it notarized and return it. I did this step and mailed it on XXXX XXXX. Today, after receiving an email from the bank that my statement was available, I tried to login, but can not do so. I called and spoke to XXXX ( employee ID XXXX ) who verified all of my information and then told me that my account was still in dormancy status and that there was no record of the form I had returned. He further said that there was nothing that he could do other than send me another copy of the form I had already completed and returned. I know that my balance in this account is {$310.00} and all that I am trying to do is retrieve my money.
i have been getting repeat calls from this company for a XXXX   membership that i closed while i was in the club. I was never notify of any bills due after i submitted the cancellation form to the club and the club has never communicated with me as far as balance being owe. I need this debt to be validated.
Creditors cant pull my credit report and i cant pull it myself. I am also unable to modify my credit freeze. I have had this problem twice before and the only way to get it fixed is to file a complaint. When I call equifax everyone is beyond useless. I understand from the last XXXX complaints that my credit report is too long and needs to be cleared out. No one at equifax will believe that when I call. They say it is because of the freeze, but I can still pull my own credit with the freeze through equifax.com. I even offered to remove the freeze, but of course that causes an error and wont work because my report is messed up. I need this fixed and I need the contact information of someone who can fix it if it happens in the future. 
When I try to pull my credit report on equifax.com and i get : We are unable to complete your order at this time. Please contact our Customer Care department at XXXX XXXX XXXX XXXX 24 hours a day, 7 days a week for immediate assistance. Please record the following information and have it available when you call : Eval Code : XXXX Status Code : XXXX, Reason Code : XXXX
on XX/XX/XXXX at XXXX XXXX I ( XXXX XXXX ) received on my cell phone a call from XXXX ( which is a local call out of XXXX XXXX, OK ). The recording stated " there is a complaint against you and we want to rectify the complaint, please press 1 to take care of the complaint before it goes any further. 
I pressed 1, then a lady came on the phone and asked for XXXX XXXX ( which is my husband ) she stated there was a collection from City Bank  that has gone into collection ( this has nothing to do with a complaint ) it was a collection call. This was very misleading. I know my husband has not had a citi bank credit card since XX/XX/XXXX. she stated the last payment that as made was in XX/XX/XXXX, which I know is incorrect, because he was very ill then and was not taking care of his debts, he has XXXX and has not control over any credit cards. I myself filed bk on all the credit cards in XX/XX/XXXX. And all the credit cards were destroyed in XX/XX/XXXX. No additional payments were made on the card by him I know and I had not paid any payments on the account. I ask for proof that the card had payments on it and she just stated that she was going to collect on this debt and she would damage his credit and sue or we would have to provide her information on our property. First off the call was misleading stating there was a complaint, 2nd she had no business talking to me about his debt when I was not on the card and I advised her he was in a XXXX XXXX ( he is XXXX yrs old ) she would not provide me with any documentation, claim number or their address. She just made threats and stated she would be collecting on this account, I stated Good Luck and she hung up.
My mortage was recently sold to a financial institution that I nothing about and I had no say in the matter as a consumer. My mortage was initially with Bank of America. My mortgage was with them for 10 years and in good standing. To my knowledge, I did not miss a payment in those 10 years. I have a checking, saving, money market, and credit card with Bank of America, so it came as a shocked that my mortgage was being sold to another financial institution without any choice in the matter.
I have been receiving automated calls all throughout the day, including evening after XXXX with no agent, just recordings, This is NOT by debt
XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.
I submitted a letter on XXXX/XXXX/16 to all three Credit bureaus asking them to verify and validate debts listed on my credit report not only did they not verify some of the accounts updated on my report as if they are still active. Portfolio recovery keeps falling off my reports then reappearing saying I owe XXXX dollars to XXXX XXXX but they have not responded to my request for validation.
We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX  2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.