WillisBack/dataset-financial-user-claim huggingface dataset:
I was approved by my current mortgage company for a home modification. I accepted the offer and began to arrange my payment amount and monthly budget. I went to my mortgage company 's website and found an option that allows a payment plan that would automatically deduct payments from my checking account. I signed up and the payments began to be deducted automatically. After multiple payments were applied to my account the next few payments changed, not by myself and to this day I do not who changed the amount and why. I called my mortgage company to ask questions, a few payments were reversed from being suspended and applied to my account. This changed caused the wrong amount to be deducted from my checking account in turn resulted in the delay of payments. I received a letter from my mortgage company stating that the trial payment plan is no longer accepted due to lack of payment amount. If the amount of the payments were not changed the correct amount would have been deducted. I am requesting help in this matter. I do not want to be forced out of my home. 

Thank you
When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with national apartment complex holdings. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from XXXX XXXX, another collection agency. Subsequently and for a long period of time, XXXX XXXX ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency Alpha Recovery Corporation ( ARC ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to XXXX XXXX correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested.
Hello, The following is a continuation of complaint # XXXX. In XXXX XXXX and American Express ' response they noted that I called in and represented myself as my father ( customer ). I clearly remember identifying myself as XXXX,   and never once stated that this was my loan. In an effort to address this matter, I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX  called back again on XX/XX/XXXXand again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.
Today I learned that Seterus had started foreclosure on my home. I did not receive a phone or letter. 

I only found out by calling on a status of a payment that had not been credited to my account. 

I had paid this loan late but always made consistent payments. I sent in two payments in early XXXX, on XX/XX/XXXX, but the company returned them. 

I have until XX/XX/XXXX to bring the loan current. My concern is the failure to be notified. I did receive some mail from the company, but not an official notice telling me the property was in foreclosure. 

This is wrong. It doesn't matter what the company has done to help, or my loan is modified. It's just wrong, and it is not ethical.
I had a car that was repossessed by the credit union I financed it through, XXXX XXXX XXXX. They sold the car at an auction. They did not notify me of the intent to sell. They then sold my full loan balance without giving my balance credit for the sale to a collection agency, XXXX. 

I have filed multiple disputes with the credit bureaus XXXX and Equifax as well as contacted XXXX for years regarding the account. It is reflecting as charge off with a balance of {$8400.00} and reported every month by XXXX. In addition it is reflecting as a collection account on my credit report for the same balance. 

Finally based on my Equifax credit report the account was reported delinquent XX/XX/XXXX and never was reflected as current after that. They told me the first date of delinquency was in XX/XX/XXXX.
I am on the phone on hold for over 1 hour and 20 minutes waiting for Experian to answer a question about my account charges. I have been a customer since XX/XX/2009 and this is how they treat you when you have a questions about their charges. I'll bet this is not the way they treat someone who wants to sign a new contract. 

The call took a total of 2 hours and 2 minutes of my time. 

While I intend to leave Experian because of this treatment, Experian needs to be investigated about how they respond to their customers.
During the period of XXXX, I had numerous telephone conversations with Navient regarding my signature student loans by talking to managers and collections department and education department. I also sent a letter to Navient credit department requesting to remove all late pay during the forbearance period of XXXX. They did not respond to any of my calls in writing or by phone. I had to call them and they said they did n't receive the letter which was sent Priority USPS. A couple days later they admitted to getting the letter and said legally they could not remove the late pays. I am on XXXX Social Security. The repayment loan they requested was not in the means of my income up until XXXX/XXXX/XXXX. They lower the payment to {$160.00} per month over a 20-year period. They take this amount out of my checking monthly. In XXXX, they did not sending any correspondence regarding the loans. In XXXX, I was dealing with the inadequate training of their personnel telling me the loans would be discharged. I had to resend all paperwork in XXXX regarding my XXXX and work on a payment plan sufficient to my income. 
They have reported late pays on my credit report. During the above period I am requesting that all late pays be removed so I can get a home loan which is already in process but being held up do to Navient.
I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.
XXXX XXXX sent my credit information to various banks without my consent giving me more than XXXX hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
In XXXX, I owed a little more XXXX $ to XXXX but PRA says I owe XXXX . I don't think so! In XXXX, I owed a little more XXXX . I tried to work with XXXX XXXX XXXX directly to prevent collection. Unfortunately, I worked for more than 2 years under contracts which was not even providing for my basic needs. I requested a Debt Validation letter from XXXX XXXX XXXX and the billing statements for XXXX to XXXX. Portfolio Recovery Associates says I owe XXXX . I don't recall owing this amount to XXXX XXXX XXXX and would like to see the validation of the amount owed. Plus, remove my account from Portfolio Recovery Associates. I tried to go online to get my billing statements from XXXX XXXX, but my account is closed, I can't access them. 

I contacted XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX via their email at XXXX to have a Debt Validation letter, they refused. 

I contacted XXXX XXXX, XXXX  Office of the Customer : XXXX XXXX | XXXX XXXX at XXXX from XX/XX/XXXX to XX/XX/XXXX to get copies of my billing statements showing the amount I owed, they refused. 

Finally, I receive a letter that stipulates that the billings statements I needed to contact XXXX XXXX, that XXXX refused to purchase the debt nor giving me the billing statements.
XXXX  only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX  XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does XXXX, Transunion and XXXX  do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks XXXX
History of Complaint. 
In XXXX I opened a savings account with XXXX XXXX XXXX under a prgram with XXXX XXXX XXXX XXXX business program. The business program required a saving account to be opened and money deposited to it for a period of Ten Months. After ten months the dollar amount not exceeding {$2000.00} was used in connection with funds furnished by the XXXX XXXX XXXX to help open a business. The XXXX XXXX XXXX donated {$2.00} for each dollar saved not exceeding {$2000.00}. While in the program I was unable to start my business. I withdrew from the program and closed the saving account at XXXX XXXX XXXX. To close the savings account and withdraw funds I was required to provide an authorization letter from XXXX XXXX XXXX. In XXXX I obtained the authorization letter and withdrew and closed the savings account. From XXXX to XX/XX/XXXX I received letters from XXXX XXXX XXXX which I disregarded as I believed they were sent in error. In XX/XX/XXXX I opened one envelope and discovered the account was still open and contained {$200.00} and some dollars. 
I contaced XXXX XXXX XXXX to clarify if it was correct. I began depositing money into the account under the assumption that XXXX XXXX XXXX was no longer associated with the account. Between XX/XX/XXXX and XX/XX/XXXX I deposited over {$6000.00} into the savings account. In XX/XX/XXXX I began moving back to XXXX XXXX XXXX. 
As I became more established in XXXX XXXX I transfered and transported more property from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX XXXX to close my savings account. I was informed that the account could not be closed due to another party being listed on the account and authorization needed. I informed the bank that no other party was on the account. I remained at the bank for over 1 hour trying to resolve the issue. While waiting I informed the Branch Manager XXXX XXXX and an agent over the phone that I would be filing a complaint with the CFPB. After leaving the bank I was approached, detained, and arrested by XXXX XXXX Metropolitan Police Department for allegedly making Telephonic Threats. While in custody and before being transported to jail the charge of Telephonic threat was dropped as it was discovered that XXXX XXXX XXXX lied to Law enforcement. During my police encounter I had an issue with the police based on being approached and stopped. As a result of the lie and the police encounter I still was arrested and charged with misdemeanors. 

My complaint under CFPB jurisdiction is that XXXX XXXX XXXX violated a federal regulation of record keeping and managing my savings account. The account that was opened in XXXX with XXXX XXXX XXXX Program   should have been closed or disassociated with XXXX XXXX XXXX. As a result of XXXX XXXX XXXX error I now have to fight a criminal case.
I looked into XXXX XXXX and noticed a deragotory comment on my credit file from midwest recovery. they claim I took a webloan from XXXXXXXX XXXX XXXX for XXXX I have never used any company to take a payday loan or any type of web loans in my life i called them to remove this immediately since I am buying a home they told me 60-90 days I said unacceptable since I should not have this in my report and its there error.
On XX/XX/XXXX I paid XXXX XXXX XXXX ( XXXX, Fl. ) {$7000.00} for a Patent Application for my invention. I found out in XX/XX/XXXX ( 1 month after they were charged ) that XXXX has been closed down and assets frozen because of " Fraud '' ( by the FTC & FBI ). They were supposed to market my invention for patent and have everything completed in 300 days from the initial transaction and they did not do this, failed entirely. {$7000.00} was paid to XXXX on my State Farm XXXX Credit Card and the remaining {$17000.00} was paid through my checking account via XXXX XXXX XXXX XXXX ( total : {$24000.00} ). I first contacted State Farm XXXX in an attempt to get my {$7000.00} refunded on XX/XX/XXXX. This was less than 60 days after I found out about XXXX being charged with fraud. State Farm Bank will not honor my protest yet I belong to a XXXX Website titled : XXXX XXXX XXXX Class Action Lawsuit and many members of this site ( who were also scammed by XXXX & CEO XXXX XXXX ) have already received refunds from their credit card companies, including XXXX card holders. All information about XXXX can be confirmed online by just XXXX  " XXXX XXXX XXXX ''.
XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too
Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it.
I need XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to stop adding these frivolous debts onto my reports. I dispute them and prove they are not mine, then it will be removed by the credit bur 's, then they pop back on my report the next month or two later. Stop! Also they break HIPPA laws by placing medical records on my report too! They are n't even my records and these debt company 's ca n't prove it, so they wait until next month then report again, after the bureaus remove them. Stop reporting inaccurate information it 's illegal! XXXX aka XXXX XXXX XXXX ( 4 debts aprx XXXX $ ), XXXX aka XXXX XXXX ( 1 debt XXXX $ ), XXXX XXXX XXXX ( 1 debt XXXX $ ) and XXXX XXXX XXXX ( 2 debts XXXX $ ) are reporting inaccuracies on my report. Total of 7 collections- I have had them removed several times, and then the next month they will pop back up to show on my report as a debt owed dropping my score down over 100 points. Transunion and XXXX have removed these from my reports in the past and are ALOT easier to deal with than XXXX, XXXX had removed only XXXX 4 debts from my report after several requests for disputes but they never sent any paperwork showing it and now it keep coming back on XXXX and Transunion and XXXX report. It 's like a never ending cycle- I 'll call the 3B and tell them these debts are not valid- the 3B may not remove them, or they will remove them and the next month these debtees will place them back on my 3 reports and it will take a month to have it removed again or it remains on my report. It is medical bills that I do n't owe and they have the name of the Dr 's and  clinics- is n't that illegal and violating Hippa ? I keep disputing, I 'll have a dispute opened and then another collection agency will add something totally new, and I 'll have to dispute it again. XXXX never gives me results of my disputes and takes the LONGEST. Stuff just disappears from there reports with no paperwork proving it was deleted officially. It 's a juggling act at this point. TU has been so much better at keeping these inaccuracies off my report. I am waiting on 3 more XXXX debts to be re-deleted form TU, the first one that popped up on TU they had it off the very same day it popped up when I called, the next day XXXX placed 3 more deleted debts back on TU report. We will see what happens. XXXX does n't do anything like the other two do. They are slow to respond, and never send proof they deleted, disputes go unheard unanswered and forgotten. That 's why I have no paperwork from results of disputes to submit on this complaint from XXXX because they never give me any! I called XXXX today and was hung up on after being placed on hold for half hour- While trying to dispute XXXX , XXXX and XXXX XXXX XXXX. Meanwhile at least the other two TU and XXXX are trying to help me I feel like XXXX  just does n't care. All these debts I am talking about has been deleted at one point, and re-added. Please somebody help make these many inaccuracies go away for GOOD, ONCE AND FOR ALL OFF ALL 3 REPORTS SIMULTANEOUSLY. It 's a juggling act and I 'm not going to stop until it is corrected!
I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.
Duplicate reporting of account and history by original creditor : XXXX XXXX XXXX and collection agency, original limit {$300.00}, did n't go over limit, collection agency showing now owe {$660.00} and orginal high was {$590.00}. XXXX XXXX XXXX shows c/o, w/o & sold on XX/XX/XXXX, but listed under negative accounts as closed and collection accounts, with history thru 2016.
I opened a MONEY account for my baby sister who was XXXX at the time to help her learn how to manage her money. She hasnt lived with me since XX/XX/XXXX. Recently the account went into a huge negative, {$4900.00}. Causing the bank to place all accounts on hold. My personal checking, savings, my XXXX old sons MONEY account, my XXXX old nephew savings and my husbands checking. I contacted Capital One the next day and asked to be removed from the acct and was told I couldnt be due to the balance. I explained to them that I shave no idea where my sister is and had been trying to get in contact with her to see how she intended to fix this and was told that Im responsible for repaying this debt. This account in particular has NEVER received a deposit for more than $ XXXX/mo but they allowed 4 FRAUDULENT checks to clear without making any contact with me but now want to hold me responsible for. I could have advised them to at least hold the checks to make sure they clear The young lady also explained that she had me on hold for soling to make sure I had NOTHING to do with wherever scam my sister was involved in. She advised me to file a police report but the officer said my sister would have to be the one to file it since the checks were written to and cashed by her. Bc my family last told me thst she wasnt working and was not looking to do so. Im a single mother, whos divorcing her husband and trying to continue to feed my son and keep my job. Ive made several attempts to reach out to her and its all been a dead end. Please help me!!!! I can not afford to pay for a debt I didnt make on my own. I also have the images provided by mail for all of these at home ... I can provide these as well if needed. Ive also been attempting to get in contact with their Customer Resilience Dept but due to my work schedule and their hours ... Ive had no luck.
ALL CREDIT AGENCIES LISTED FRAUD/ UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE ... REMOVE ALL FROM FILE ASAP