WillisBack/dataset-financial-user-claim huggingface dataset:
I had explored debt consolidation options from Great Lakes, according to them, XX/XX/2016. What I did n't know was that it triggered an automatic forebearance that kicked in for XX/XX/XXXX and XX/XX/XXXX. That meant that my automatic payments of {$660.00} were not payed for those two months, that no payment was made at all, and when it expired a recalculation to my account was made that dropped my automatic payments to {$160.00} and I actually saw my debt increase by {$220.00} due to the accrued interest. ( Debt XX/XX/2016 = XXXX, XX/XX/2016 = {$14000.00} ) I never even completed the process for the consolidation, as I was just doing research to investigate the process. I have no record of any notification of this forebearance and the impending recalculation. Compounding the issue was that these changes took place just as my XXXX email had expired since I had graduated a year prior, which they had as my primary contact. It would have helped for them to have a backup email, or to understand the school policies regarding emails, as this ca n't be a unique issue. When I spoke to them on the phone they said it was n't their fault and that there was nothing they could do about my accrued interest during the forebearance.
ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I submitted and FDCPA debt validation request to PayPal Credit for debt validation on XX/XX/XXXX. The request had a 30 day time window on it, and was completely ignored by PayPal. I submitted the second letter requesting debt validation to XXXX on XX/XX/XXXX, and once again the request was willfully ignored. The agents in customer service are obviously outsourced and have no idea in the slightest what FDCPA even is. My requests have been willfully ignored and violated. I understand that I need to report these violations to the proper federal venues. Thank you.
received a letter from XXXX XXXX XXXX XXXX concerning a debt from sun trust bank for XXXX i spoke to them on XXXX occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from sun trust but received nothing from them. they have ignored my request to dispute this debt.
Account shows late payments for both XX/XX/XXXX and XX/XX/XXXX. This information is incorrect
on XX/XX/2016 my Social Security Number was used to apply for payday and quick cash loans online. Multiple attempts were made, some were successful and others were not. I have submitted all of the required information to the quick cash lenders and all but XXXX have accepted them and are working with me to clean up this identity theft. Cash Central of Ohio is denying my fraud application even though I have sent them all of the required documentation. their only response is I need to work with my local police. I have obtained a police report and there is nothing else the police department can do because this was an online fraud.
Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me.
On XXXX XXXX, I initiated a sell of XXXX BCH to USD. The equivalent USD amount of {$540.00} was to be deposited to my linked bank account. 

The XXXX XXXX account that was linked to my Coinbase account had become inactive at that time, so the result was that I had inadvertently had the {$540.00} ACH transfer sent to an inactive account.

Though the Coinbase website states the transfer was fulfilled and complete, it was not. I received a call from my prior bank informing me that an ACH transfer had been attempted on my inactive account but was denied. 

Neither the XXXX BCH nor the {$540.00} amount were refunded to my Coinbase account. Multiple attempts have been made to reach Customer Service with no response.

In summary, Coinbase is currently holding funds that should be refunded to my account but will not respond to attempts to reach Customer Service to rectify this issue.

The Coinbase reference code for this transaction is XXXX.
I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.
Equifax and XXXX should remove this account until a judgement is entered against me that I owe the debt.
I ca n't remember when I even took a XXXX XXXX loan ( before XXXX ) but I had n't gotten any request for payment for years and in XXXX I filed a chapter XXXX and a XXXX XXXX amount of about $ XXXX was included. In XXXX I was diagnosed with XXXX and went through XXXX and 6 months of XXXX. I successfully completed my 5 years of chapter XXXX payments in XXXX of XXXX and all of a sudden today I received 6 emails from a company called Navient saying I owe $ XXXX to someone. I will not pay this ... .I did n't owe it to begin with and I completed XXXX and chapter XXXX. Please STOP these people ... .they are evil.
XXXX sent me to collections for my final bill that i never received. i paid it as soon as i found out and they will not remove from my credit. it is paid in full
I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from TransUnion. 2Nd XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. Therefore, the 2Nd XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion.. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX data breach and am therefore requiring TransUnion to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, a fraud alert was also placed on my XXXX credit file. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
Called XX/XX/18, XX/XX/18, XX/XX/18 and other previous dates Told them to only communicate with me via mail They have in their notes not to call me and still do Debt Company : financial corporation
This debt collection agency called me earlier and I informed the person that I spoke with that they had the wrong number, instead of removing my number, they continue to call.
We just completed and discharged our Chapter XXXX bankruptcy officially on XXXX XXXX, XXXX. 
ALL of our payments had been paid on time, along with {$24000.00} roughly, of interest arrearage paid to the XXXX mortgage holder/servicer Gregory Funding prior to discharge. ( see attached documents ) .To our shock and surprise we received a " Notice of Intent to Foreclose '' from Gregory Funding XXXX dated XXXX/XXXX/XXXX stating that we were delinquent 6 payments back to XXXX XXXX, along with nearly {$28000.00} past due amount, late fees included. The notice also showed that our payment would go up nearly doubling, as of XX/XX/XXXX.
I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
XXXX has serviced some of my federal student loans since around XXXX. I have experienced little else but obstruction and unproffessionalism since the beginning. Below are three primary aspects of the problem, which all interact variously but together represent a dysfucntional financial institution of the like I have not seen since working as a consumer debt attorney and member of XXXX. Had they fallen under the FDCPA, they would have long since fallen under the weight of litigation and liabilities. 

Online Account Management - Online logins are inconsistently available, and new accounts must be set up, which is not always possible. 

- The online portal can not locate personal information attached to accounts, such as SSN, names, or emails, in order to locate passwords or to setup new accounts. 

- The online portal appears to frequently change, causing access issues. 

Loan Servicing - Initially, in XXXX or XXXX, the agents refused to provide information on income based/contingent repayment plans that were made available to students. This is assumedly so that students could not take advantage of lower payments, and my account has accrued interest and penalties for their refusal. When I escalated it to a PHEAA attorney, the response was that they are not limited by typical consumer protection laws, but the harassment stopped for several years. 

- Refusal to update communication preferences. I have been living overseas for several years and repeatedly inform PHEAA that there is no domestic phone number to reach me and that all communications must be via email. Nevertheless, the first communications I do get are that once every few years, I will get a default notice by email that says they have been taking all reasonable steps to reach me by phone. This certainly translates to penatlies and fees on my account. 

- Refusal to correct errors. During XXXX, I finally managed to convert my account repayment but PHEAA refused to make that retroacive to the time when I first demanded the conversion. This means penalties, interest and fees. 

Communication - When communication is intermittently achieved, the contact points will change in each response, which means that a new explanation is required and unhelpful responses are repeated. 

- When reponding to a request, vague and unhelpful boilerplate is offered as a standalone and not further assistance is given. 

- Regular communication on account deadlines or requirements are provided, only urgent default notices issue every few years. in the interim, PHEAA completely disappears. Certainly this means that penalties and fees accrue each time. 

I am completely sick of this. I did not enter into an agreement with this servicer and did not choose their model. Their complete mishandling of the case is either reflective of systemic negligence in their business practices, or deliberate abuse in order increase portfolios. I saw both in my time in the debt collection industry, so I do n't feel I am overreacting. All I am after is assistance with correcting the course of over 6 years of mismanagement whose cost is likely to be in the XXXX of dollars.
I went to make my mortgage payment on XX/XX/XXXX online and was unable. I called and Ocwen and was advised I was behind over {$9000.00}, which was not true as I had made, and Ocwen accepted all, of my payments to date. Upon further research, Ocwen indicated I had entered into two modification offers, which I never consented to accept ( one was for hurricane relief post hurricane in XX/XX/XXXX and was adamant that I did not want to accept any loan modification as a result of the storm nor any other loan modification agreement as I was continually making my monthly payments. This was ulimately confirmed on Ocwen 's end because they did not have a signed consent nor verbal acceptance of either offer ) After calling them three times to get the unapplied/suspense account ( balance over {$9000.00} ) properly applied to my principal balance, I was then told that all of those payments that were applied brought me current through XX/XX/XXXX! ( Keep in mind, Ocwen accepted all of my payments TO DATE through XX/XX/XXXX! ). I am gravely concerned my payments are not being credited properly and late fees and penalties are being accumulated when they should not be since I am technically current according to my records. OUt of desperation and because honestly Ocwen 's system breaks you down, on XX/XX/XXXX, I received a loan modification agreement dated XX/XX/XXXX, advising my payments had slightly increased. I spoke to an agent to inquire about modification terms, and they advised I was already denied for that loan modification ( I have in hand a loan modification agreement dated on that date, inviting me to enter into the loan modification agreement ). I am frightened and concerned and Ocwen is of no assistance on getting this matter corrected. This is impacting my credit and causing harm to my other responsibilites and above all stressful.
Sunrise Collection Services out of XXXX XXXX continues to contact me for debt collection. I received a letter on XX/XX/2018, a phone call on XX/XX/2018, and another phone call on XX/XX/2018. Amount owed is {$17000.00}. I explained for the third time that in XXXX, the Statute of Limitations on the collection of a non-collateralized debt is 36 months from the date of my late payment. I explained they were illegally attempting to collect a debt because 1 ) I asked them to stop calling, and 2 ) my last payment to their client, XXXX XXXX XXXX was over 60 months ago, and the Statute for collection has expired. 

They continue to contact me attempting to collect this debt.
I have tried to dispute this bankruptcy discharge on my credit because this is not mine because the address on the pacer website says it was sent to an address in north carolina and i never lived out there so i am asking for the credit bureau to get rid of this negative reporting on my credit report
I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal.
I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.
During the time period XX/XX/XXXX, through XX/XX/XXXX, XXXX XXXX XXXX credit card holder, an XXXX female XXXX XXXX, was in a XXXX XXXX recovering from XXXX XXXX XXXX XXXX. Due to this, the credit card holder was unable to make payments in a timely fashion. The credit card holder contacted the XXXX XXXX XXXX Customer Service onXX/XX/XXXX,  requesting to have the late fee reversed. The credit card company, XXXX XXXX XXXX, refused to reverse the {$38.00} late fee.
After filing a claim, I did not get reimbursed from one of 2 stolen checks ( payroll checks from the XXXX  I work with ) addressed to me but that got cashed by somebody else. I started the claim and submitted the required paperwork on XX/XX/XXXX of XXXX through the treasury department and the bank of my XXXX. I got a response on XX/XX/XXXX of XXXX that I would get reimbursed only for one of the checks but not the second. TD Bank, the bank of first deposit for the  stolen checks, has not reimbursed the XXXX XXXX XXXX XXXX account ( that had issued the checks for me ) to date despite repeated attempts. 
My XXXX XXXX XXXX XXXX was not reimbursed by TD Bank and the amount of the stolen check was : {$1000.00}. The signature on both checks was clearly forged and clearly does not match my previous signatures at all.
I have a Macys Credit Card. They have me on electronic statements. I usually go to their credit website once per month - see my statements, and current balances - and pay what is due. To avoid interest - if I purchased furniture - I pay off the minimum due in the length of time allowed for the special purchase. 

The problem is this : for the last week Macy 's credit website is not working. I ca n't see ANYTHING about my credit balance, statement, payments. I ca n't make or schedule a payment. I have a screen shot of the error that occurs. This is happening to everyone - yet Macy 's is NOT being forthright and honest and upfront about it. There is nothing whatsoever on their regular site indicating a problem with the credit site. In fact the error that occurs appears to blame the issue on the customer " an error has occurred - time to call customer service ''. Ridiculous. I finally went into the Macy 's store where I requested a Manager. She was unable to personally get into her Macy 's account on the website either. NO COMMUNICATION WAS SENT TO THE STORE MANAGERS THAT THERE WAS A CREDIT SITE ISSUE. She called Customer service on my behalf and got the runaround - and incorrect information - and what we all get when calling Macy 's customer service. They acted like " what, the credit site is down? ". She refused to give up and told them - YES, the credit site is down. They finally relented - and said - YES, the credit site is down. This is Macys Customer Service? Who the customer is directed to call when receiving the error that the credit site is down? AFTER XXXX DAYS OF BEING DOWN? And they act like it 's news to them? The Store Manager requested that I be put back on paper statements so I could avoid the hassle of the site being down. At first she got the run-around AGAIN from Macy 's Customer Service - they told her they could not do it - and that I had to do it ONLINE AT THE CREDIT SITE. Yes, the credit site that has been DOWN FOR XXXX days. She made it clear how absurd that was - and they finally relented and switched me to paper statements. But this will take several months. So, I have to make a blind payment - without knowing whether the amount is correct for me to avoid interest. I have no idea what I have been charged - what transactions posted to my credit card - nothing. What is the most frustrating is that Macys appears to be hiding this from consumers. Most legitimate banks and stores - post information about their website technical difficulties and downtimes on their site. Macy 's says nothing. After XXXX days - nothing on their site - and I still ca n't get into their credit site. I have gone online and found others who are having the exact same issue. I would not be surprised if Macy 's denies that there is even an issue. If this complaint allows me to attach documents I will show the error screens received when I try and login to the Macy 's credit site.
I recieved a check for {$550.00} dollars that was post dated XX/XX/2016. I deposited the check into a personal bank account on XX/XX/2016 with my bank, Commerce Bank . Funds were not available for the check when it was processed on XX/XX/2016. Commerce Bank proceeded to charge me {$10.00} for a returned check AND did not re-run the check. My account was never overdrawn and I was told that the check would be sent back to the originator by a Commerce employee on XX/XX/2016. It is improper for a bank to process a post dated check before the date on the check, charge an account holder for essentially doing nothing except mailing the check back to the originator, not re-posting the check on or after the date it was deposited and not communicating to me that the check would not be re-posted to my account.
I had a modification over 2 years ago. It was plagued with misapplied funds, inconsistent record keeping, and a price increase in violation of our signed modification agreement. After falling into a difficult financial period, Wells Fargo offered me the opportunity to submit another modification request, full well knowing I had a prior modification. After 2 months of gathering & submitting all documents to their satisfaction, I was told by preservation specialist XXXX XXXX that they can not even consider looking at my documents because my prior modification appears to have been less than 2 years ago. She would not provide actual dates, explanation as to why Wells Fargo went though the extensive document gathering process, or what the guideline is that I do not meet the qualification for. I was initially told there were various options, including allocating past-due payments to the back of the loan. My payment increased {$150.00}. per month above the agreed upon modification schedule after only 1 year, greater than the rate reduction I received per month. My interest rate went up, not down, during the initial modification process. I do not believe any of these manipulative tactics are legal according to XXXX guidelines. Please assist.
I am a public service employee with over 20 years of service. Navient failed to tell me that I could re-finance the student loan and receive public service forgiveness. I have paid on this loan for over 132 months.