WillisBack/dataset-financial-user-claim huggingface dataset:
Selene, asserts that my loan delinquency first began on the date of XX/XX/2016. 
However they received payments from me in the amount of {$1500.00}, which posted on XX/XX/2016. This payment would have covered XX/XX/XXXX and XX/XX/2016. I also posted a payment with Selene in the amount of {$900.00} on XX/XX/2016 and I have the receipt to prove it. I was then instructed by a supervisor named XXXX at the time, to make double payments again in the amount of {$1500.00}, and this " plan '' would bring my account current XX/XX/XXXX. The payment of {$1500.00}, posted on XX/XX/2016. I had even made my payment for XX/XX/XXXX, on XX/XX/2016, via money gram this payment was returned with the others to my surprise. 
However something strange happened during the time I was completing the payment plan. I received a notice that my loan ownership was being transferred to XXXX and the next thing you know ; all of the payments that I had made to Selene were sent back to me. My arrangement was likely broken by XXXX, the alleged new owner which only has interests in foreclosure to my home rather than working with me. The fact that I had a previously outlined agreement in which to bring the loan current shows gross negligence on the part of not only Selene, but also the alleged new owner XXXX. XXXX and Selene, is and has attempted strip my property of all its positive equity and foreclose on my home, illegally. This type of greed and deception has been identified on multiple levels with this matter as well as past case law will provide against Selene and its constituents of cronies. 
Furthermore, per the non-judicial foreclosure process in Texas, it is required that there be a " power of sale clause '' within A paragraph in the mortgage that authorizes the non-judicial foreclosure process is be used. 
There is no " power of sale clause '' within any paragraph of my mortgage, allowing for a non-judicial sale in the event of my default. 
My loan was not 120 days delinquent at the time it was remanded to foreclosure review which is in violation to Texas non-judicial foreclosure procedures. Selene had not applied payments properly which in turn distorted my payment accounting ledger in Selene 's system. 

Furthermore, my loan was referred to a foreclosure attorney on XX/XX/2016, during my regular communication with Selene. I received no default notice of any kind from the alleged foreclosing attorney XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I have not received a 30 day breach letter in pursuant to the terms of the deed of trust and XXXX XXXX XXXX, has violated all forms of precursory events required by law, prior to auction sale can occur. 
I demand and implore your agency to place an " automatic stay of execution of sale '' to my home based on the violations outlined within. I 'm prepared to file federal civil litigation action as well as a temporary injunction order, to fight this heinous abusive behavior of my predators. Selene, XXXX and XXXX XXXX XXXX, will pay for their transgressions and will be held accountable for what they 've done.
I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.
XXXX XXXX has been very difficult to deal with! My dad took loans out on himself and paid off two of my three student loans. The second loan we paid off, XXXX XXXX added a charge of {$5.00}. We paid that amount just so we can clear the loan. After I contacted XXXX XXXX and they claimed that the amount was a mistake and will put that amount paid towards the loan that still has a balance. I also got an email saying the loan is paid in full. One week after, instead of removing the balance from the loan as they were supposed too, they added the {$5.00} to the loan that was paid off again! Also, they still haven't sent us a statement once we paid off two loans ; which we requested about three weeks ago. Please help us, we are beyond frustrated by dealing with XXXX XXXX and their customer representatives.
Received official letter XX/XX/XXXX calls repeating to my number, husband number, sister, and son number. Attempted to set up a payment arrangement on XX/XX/XXXX due to XXXX check comes once a month, spouse has no job due to both of us in car accident XX/XX/XXXX. Company refused to set up payment plan and said it will go to credit report with or without payments made.
I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''
The company is taking extra interest on the loan every month, I have never been 30 days late on any payment. They send me a bill of what the interest and principal are suppose to be, but when I get the statement the following month, there is always more interest taken out as a penalty, and the balance due does not always match what the principal was suppose to be. I took this loan out over 10 years ago for I believe was around 14,000 and over 10 years later it is only down to about {$9000.00}. My payment is {$190.00} a month so even if they took half that in interest, I should have paid over {$12000.00} on my principal. Something is definitely wrong here and they are taking advantage of me. I called a couple times and the last time I spook to a guy and ask him about this and the only thing he could do is change my due date, what does that have to do with this extra interest coming out every month and he said he couldnt do anything about that. I sometimes would send a little extra to put toward the principal, but I see now that it goes into a fund they call deferred interest. What the heck is that? This is my last attempt with the company and then I go further into a law suite .
Thru a company  called    XXXX   XXXX   XXXX  , the y negotiated an amount that was smaller than what was owed to  XXXX  or  XXXX   XXXX   XXXX  and I was able to pay off the agreed u pon amount in 4  payments in  XXXX  in the time stipulated. I also received new credit cards from   XXXX   XXXX   XXXX   with the account numbers that were never activated or used that I still have in my possession attached to the  XXXX   XXXX  package that indicate previous account ending  XXXX  new account ending in  XXXX  valid thru  XX/XXXX . Payments were received, no new transactions took place an no payments were returned unpaid. This was clearly an entrapment to void the agreement and when this did not occur they decided to wait in hopes that I would not have documents to prove what actually took place.   I received a summons in  XXXX   XXXX  indicating that the balance of the original amount was due thru the law company of  Blatt, Hasenmiller, Leibsker &amp; Moore LLC  representing    XXXX   XXXX   XXXX    who apparently bought the loan from  XXXX . I believe under FDCPA my rights have been violated by deceptive and false misrepresentation with regards to modifying the card number to collect a debt that was agreed upon previously. I have provided the relevant information in the allotted time and the above mentioned lawyers are still pursing this thru the court system despite the fact that I received a letter from    XXXX   XXXX   XXXX    indicating that they may report the account as charged off to reporting agencies. Ho w can one com pany accept a payment, then a second company buys the debt and comes after you again. I believed that this debt was paid in full and should not have to go thru this anguish with these large corporations with  XXXX  behind them.
Experian is reporting a alleged mortgage on my credit profile for something I 've never had. I do not have nor have I ever had a mortgage with XXXX XXXX. No other credit report is showing this information and after investigation Experian says it is accurate. That is impossible because I 've never had that mortgage. Do n't they have to provide me with proof that that debt belongs to me?
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. XXXX. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then XXXX since I have had credit and I am in my XXXX 's
XX/XX/2018 : Company sent an invoice seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : Company called seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : There is no judgment authorizing the Company to collect the alleged debt.
I received XXXX loans, XXXX unsubsidized and XXXX subsidized, through XXXX. On XX/XX/XXXX I processed a payment for the full amount of my unsubsidized student loan through XXXX, with specific instructions to apply it to my unsubsidized loan. When I checked on my loan on XX/XX/XXXX I noticed that the payment had not been applied, and called customer service. After a lengthy conversation with their representative, the payment was accepted and showed as such through the XXXX payment system. Before completing the call I confirmed with the representative that any extra interest accrued since the XXXX would be written off and the money would be applied to my unsubsidized loan. On XX/XX/XXXX, after receiving another loan disbursement, I checked my account and found that, although the payment had been accepted on the XXXX, it had not been applied until XX/XX/XXXX, almost a full month after I initiated the payment. Additionally, the money had been divided between my unsubsidized and subsidized loans, against my express instructions and despite the assurance I had received from their representative. On XX/XX/XXXX I sent an email to Cornerstone detailing these issues and received an email saying I would hear back within two business days. After two full business days I have still not received a response.
since XX/XX/XXXX I was working with freedom mortgage to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX XXXX # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX  who mis reported and read things that are not true as reported and recorded by athree way call with XXXX and alady name XXXX who was in XXXX XXXX and could barely speak English it is now XX/XX/XXXXand no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX  and XXXX and suffer from XXXX and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste freedom mortgage say one thing do another
From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.
To whom it may concern : This is to let you know that TransUnion has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is XXXX to XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( TransUnion , XXXX & XXXX ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
TransUnion should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, TransUnion is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. TransUnion has failed to do so. TransUnion has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, TransUnion should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against TransUnion for FCRA violation and character defamation ( all of which have materially damaged my life including increased insurance charges and inability to secure a job ). 
I have attached a document that includes commentary directly from XXXX XXXX XXXX XXXX XXXX confirming that they have misrepresented the first date of delinquency.
I had taken out a free trial for XXXX $ with experian two different memberships I was charged for {$29.00} which came to XXXX  $ per month. I called in an cancelled both memberships it was never cancelled and I was charged forXX/XX/XXXXand XX/XX/XXXX. I just noticed on my credit card billing the lady I spoke with onXX/XX/XXXX was never cancelled they just told me again onXX/XX/XXXX that it was cancelled and only refunded me one month when I was charged for 4 payments of {$29.00} on both memeberships I want my refund for XXXX $ to be reimbursed. I called in I know calls are recorded and experian did not do their part of cancelling the service and giving my credit like she told me in XX/XX/XXXX. my confirmation number they just gave me is XXXX and I had a confirmation from XX/XX/XXXX but didnt keep it the ID # XXXX and XXXX
The following account is a fraudulent account : XXXX XXXX  XXXX Mastercard : XXXX. I never applied for this account. Its a fraudulent and unauthorized account.
I am very behind in my payments to my mortgage holder, Ditech Financial. Three weeks ago I spoke to my Account Representative who said she was sending me a  modification package. She added that I could always reach her by using her extension. I called the next day, and she no longer works in that capacity. Now I have a new Rep who, after calling and asking to speak to him, does n't return calls. And I have not received the modification package, though I 've called several times to demand it. Ditech sent me a Notice of Default and Intent to Accelerate on XXXX, and I believe they 're stalling so they can foreclose on my. I have gone to friends for a loan to cover the huge arrears ( {$33000.00} ) and I 'll have it by the end of XXXX. Ditech in any case would love to declare a foreclosure because then their lawyers, with the push of a button, charge several XXXX dollars to the paperwork, which is all boilerplate. Please help. I 'm attached everything I think you would need to approach them for a dispensation on the foreclosure.
I have contacted Portfolio Recovery Associates on numerous occasions by email and usps asking for then too verify that they legally bought accounts bearing my name. To date the only response is a copy of a statement that does not even show my legal name. I have asked 6-10 times for a contract showing that this company owns any account showing my legal name, they 've never showed me any sales agreement showing my legal name, account numbers, or my SS #. They have not provided any evidence that any accounts they purchased included my legal name or account numbers, this is in clear violation of Kentucky collection laws. 
Kentucky law states that a statement describing the complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer ; and records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part. 
This information needs to be completely removed from all credit reporting agencies since Portfolio Recovery Associates has not followed proper collection laws.
I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false
I tried to send {$2900.00} to my cousin brother through https : //www.xoom.comXXXX on XXXX XXXX 2015. 
According to the advertisement the money should be deposited instantly, so far they are saying the company is working on getting some status update from their partner. I am not receiving proper status update from them. I would like the money to be deposited in cousin 's account or refunded back to me ASAP.
COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency National Service, an XXXX agency licensed to collect debts in the state of XXXX from the state of XXXX ; In XXXX, I checked my credit report and discovered National Service tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XXXX XXXX, XXXX I received my credit report update from initial dispute, and National Service was update to XXXX and XXXX credit bureaus as a verified account ; National Service placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with National Service and XXXX ; I have never received any validation letter from National Service prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to Equifax and Experian ; This conduct is a direct violation of 15 USC 1692g ( a ) ; ( b ) Validation of debts ; ORC XXXX, and XXXX vs XXXX Case No. 2:14-CV-0054 ( S.D. Ohio XX/XX/XXXX ) This conduct is a direct violation of 15 USC 1692e ( 10 ) ; ( 2 ) ( a ) false and misleading representation ; ORC 1321.45 ( G ) ; XXXX v. XXXX, 970 F.2d 1516, ( 6th Cir.1992 ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with ORC 1335.05 XXXX Statutes of Frauds ; XXXX., XXXX. v. XXXX., Slip Opinion No. XXXX ; This Conduct violates 15 USC 1681g disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XXXX XXXX, XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of National Services ' actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, Fifth Circuit, Case No. 91-7142, XXXX vs. XXXX, XX/XX/XXXX ;
I am stating my upmost disgust for American Express Bank FSB. 
This company is ran by crooks and should be shut down. I recently had my Savings account closed for reasons unknown to me. I called and asked why, but they refused to tell me why my account was closed. I asked them what would happen to my XXXX dollars I had in the account, for which they also refused to give me an answer. This company has a plan to steal peoples hard earned money and they are getting away with it. I dont know what to do about my money but people need to be aware of American express savings shady business practices.
My complaint is regarding Discover Student Loans. I receive 6+ calls a day EVERY DAY from 2 different  numbers regarding being delinquent on payments to my loan. This starts as early as XXXX until as late as XXXX. These calls start even when I 'm only a day or two late on my payments. I have tried to speak with the company numerous times but they have all told me that they ca n't do anything about it because it is an auto-dialer. I have tried to work with the company to lower my payments but again, they told me beyond getting a forbearance, they are unable to lower my payments. I have had to block both numbers from my phone just to avoid being bothered by the calls while at work.
XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.