WillisBack/dataset-financial-user-claim huggingface dataset:
I feel that I was directed to utilize the " forbearance '' option instead of discussing other alternatives/options. I had a $ XXXX loan which has now ballooned to $ XXXX as a result of the forebearance option. I was approved for so many forbearance 's every single time that I do not believe there was a limit or that I had other payment options. I have utilized my entire XXXX funds in order to pay for my loans and to be current on my loan. I currently pay {$1300.00} per month and I ca n't afford to pay this any longer. I need a reduction in my payment and I can only afford to pay {$300.00} per month without having to borrow from my XXXX or even take hardship withdrawals. Please help me!
XXXX XXXX this late payment is incorrect, I always made on time payments for this account. the record shows I have a clean history with chase for the past 6 and a half years, and there is this one late payment that should be cleared from my account from back in XXXX.
We have been receiving multiple phone calls daily from a debt collector trying to collect a debt I do not owe. They call my number looking for someone with my name but the other identifiable information they have is not mine. They ask me if the last four of my social matches their system and I tell them it does not. Today, I was asked if I lived at a certain address but I do not nor have I ever. I have advised them to remove my number from their list and that if they do not, that I would report them. I received a second call today and asked for their information. The caller said his name was XXXX XXXX. He works for XXXX XXXX XXXX. His phone number is XXXX ext. XXXX.
Using PayPal in attempt to send money to a friend for a purchase, I typed in the incorrect paypal email and sent {$120.00} according to PayPal he 'll receive it XXXX/XXXX/18 but there 's nothing I can do but ask him to send it back. If he declines to send it back
Since 2009 Equifax has reported XXXX XXXX XXXX for XXXX and XXXX but they also are reporting XXXX and XXXX so I have XXXX different reports each XXXX for XXXX and XXXX for XXXX. I have sent letters, disputing constantly for years and still it shows on my credit twice for each. Also the last payment amount is inaccurrate and I have asked for the original paperwork with my signature since 2009 and still nothing. I will be mailing notarized certified letters to Equifax this week. This is also the second time I have reported this to you also. I will be attaining an attorney in 30 days from the date of my certified letter. 
Against Equifax and you.
I want my loan to be look into because I just do not agree with how much I am paying for this loan Program Principal Interest Penalty/Fees Total Debt Balance XXXX {$13000.00} {$690.00} {$0.00} {$14000.00} Total {$13000.00} {$690.00} {$0.00} {$14000.00} Payment History Payments that have been made towards paying off your defaulted federal education debt are listed below. This information is listed in chronological order with the most recent payments near the top of the table, and oldest payments near the bottom. 

To view the remaining balance outstanding on your defaulted federal education debt, click here. 

NOTE : Only payments made directly to the XXXX Default Resolution Group are listed here and not any payments sent to guaranty agencies or to the Department prior to when the debt entered default. 

Payment Effective Date Payment Type Payment Amount Applied to Principal Applied to Interest Applied to Fees & Charges XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$32.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$190.00} {$0.00} {$150.00} {$37.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$26.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$170.00} {$35.00} I have not pay any on the principal yet
I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.
My mortgage loan servicer, NationStar, has repeatedly failed to process my mortgage modification requests. I have submitted EVERY requested or required document, in the time frame and manner requested by NationStar. Each time, NationStar has " denied '' my request stating that I did not submit the requested or required documents. However, this is false, and NationStar has never once identified any document that was missing or incomplete. Further, I appealed ( using the NationStar internal appeal " process '' ), and the appeal was denied, but the denial letter appeared to have been form-generated and contained no specifics about what information was missing or incomplete. NationStar has now filed a notice of default. I have told NationStar in writing on numerous occassions that I wish to resume payments to bring my loan current. NationStar appears to intentionally and deceitfully deny mortgage modification requests on the grounds of " incomplete information '' when in reality they have no intention of processing the request in good faith.
My complaint is inregards to business with Western Union, as a customer I truly feel they practice Deceptive business practices and I feel I am a victim to these practices. 
I purchased three money orders to pay my rent. I made them payable to XXXX XXXX and mailed them, XXXX XXXX informed me that they never recieved them. The money orders have not been cashed so I considered them lost. 
I followed instructions on reciepts in regards to get a refund. Around XX/XX/XXXX I called wester union customer service and stated that the money orders were lost and I needed a refund. Western Union customer service told me to wait 15 days then mail in original copies filled out signed and make photo copies for my own records. 
I felt odd that western union customer service wanted originals, and I literally asked twice if it was nessasary to send originals and not a photo copy, the customer service rep stated Yes, then stated I must send in {$15.00} dollar per money order processing fee for refund request then wait 30 days for refund. 
I did not feel comfortable sending in fee so I asked if western union could deduct it from the refund, the customer service rep said yes. I mailed money order reciepts in on XX/XX/2018 to a post office box that the western union receipt states, and was confident that I would recieve refund in 30 days minus processing fee. 
30 days passed and I didnt recieve anything. I called western union customer service on wendsday the XXXX of XXXX and western union service rep told me western union havent recieved Any Reciepts from me, this upset me and made me fill very uncomfortable. The western union representative seemed to just keep reading a script that ran me in circles, the service rep Literally told me I had to mail the reciepts again and wait 30 days. I told the rep I dont have physical copies because I was clearly told that it was Procedure that I mail Original Copies to them. 
I then asked if western union had an email address I could scan the copies I have to western union,  they said Yes scan them too XXXX. 
I then asked why the service rep did not have me scan copies to that address originally instead of stating it was procedure to mail original copies, and the rep would not answer directly, and that made me fill uncomfortable and truly felt their business practices were deceptive. She stated I should scan the reciepts, and call back in 5 business days. 
I feel the customer service is terrible, and I still have not recieved a refund after I followed the procedures stated to me over a month ago. 
I could not imagine the frustration an elderly person or mentally disabled person would have with the business.
My mortgage was sold to nation star mortgage lending from XXXX XXXX. Nation star has regularly stated that my escrows and payments were off so I paid thousands of dollars and my mortgage has increased from {$600.00} to now {$860.00} and I am on a fixed rate with FHA and continuously and paying money to nation star. I have talked to numerous people and nation star and keep getting the runaround even though they know it is messed up they still say I owe money and and am in fear of losing my home due to their shoddy financing practices
Capital one is blocking me from being able to continue being attached to XXXX. XXXX is an app that does " round up your change '' functions and daily transfers from your main bank to a online savings account so that i do not spend the money. 
It was working wonderfully for weeks and now its unable to connect. I have contacted both XXXX  and capital one 360 and the situation still hasn't been fixed. As per XXXX, capital one is the reason I can not connect.
It seems that my credit score is predetermined. Whether I pay my bills on time, pay off old accounts or rebuild my credit. My score has not been what it should be according to similar credit patterns. I have not been treated, or dealt with fairly.
This account is reporting on my XXXX credit report for {$96.00} contract date X/2014. I have never been notified of this debt and I have never entered into a contract for services with CCS Collections. I have requested this debt to be verified and validated and I have never received either.
Uber charged me twice for a ride. They currently have my money on hold ( pending ) {$24.00} which has overdrawn my account and I'm being charged overdraft fees for a pending charge that has not been taking out of my account so technically I have enough money in my account to resolve this issue! When I call the number they list online and on their website, it's a fake number directing you to use their app for complaints. They have my sensitive bank information and access to my account, but doesn't have the decency to provide person to person customer service for it's customers. What they are doing is criminal!!
XXXX XXXX XXXX has been placing monthly phone calls to my home about a balance due on a flexible spending credit card that was fraudulently opened in my name since XXXX of XXXX.The balance of the account was in the amount of $ XXXX.They have never sent a bill to my home, thus I assumed the calls were phishing calls.XXXX has now turned the account over to a debt collector and has reported the debt to the credit reporting companies. I called XXXX on XX/XX/2018 and wrote them in the mail on XX/XX/2018 to ask them to send me written confirmation that I am not responsible for charges on this account and to take steps to remove information about this account from my credit files.I sent them an Identity Theft Report and proof of my identity. During my phone conversation with XXXX XXXX I was told that they could not give me any information about the account because the account was turned over to XXXX XXXX XXXX. They connected me with XXXX XXXX XXXX and the person I spoke with said that any information I gave them would be used to attempt to collect the amount past due.I told them that I did not open or authorize this account. I also told them that my credit reports listed a fraudulent prior address. I have not yet heard back from them about this matter.
I have autopay set up on my Gm Financial Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my GM financial autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails GM ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call GM financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the GM account was showing 30 days late on two consecutive months. Either way, I call Gm financial to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call  the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the GM financial statement showing where the late charge had been credited. Thank you
Afni Collections sent a notice dated XX/XX/2016 saying I owed XXXX XXXX XXXX after I already paid a settlement with XXXX XXXX XXXX.
We have a home mortgage with Wells Fargo. We put into escrow each month money for tax and home insurance. We received a phone call the last week of XXXX from our insurance provider stating that our policy was in the cancellation process due to lack of payment. This payment was to be made by Wells Fargo, they had reached out to the bank to try to get payment and were unsuccessful. My husband and I reached out to Wells Fargo ourselves and with several phone calls, they assured us the payment was made and our insurance would be reinstated. They also told our insurance company that they overnighted a check. It has been well over a week and still no check for the coverage. We now have NO insurance on our home and yet we are still putting into escrow the monthly amount. I am not sure what Wells Fargo is doing with the money. Wells is not showing us confirmation of anything and will not pay the amount to get us back our insurance.
For the last 2 years, I have been making payments to them and when I tried to get my payments lowered they told me they could not do it. I was making my payments on time for 6 months plus on time then they decide to change my payment after I called them to tell them not to change my payments because I was going back to school. Then they tried to charge a late fee and add an extra payment at the end of my loan after I talked to one of their customer service representatives and told her not to change my payments. This year has been challenging because I know I signed up for fixed interest rates but they said I did not and now my payments keep going up because of that incident I just explain.I am so ready to pay them off it took me 1 1/2 years to get my payments under {$10.00}, XXXX. I signed up for interest only payments because after reading the instructions that were misleading I thought I paying off the a set interest rate that was accumulated on the principal of the loan but I was not. Now my payments are going up a {$1.00} it seems like every month. I was at {$210.00} now I am at {$210.00}. I just hope it stays there because I can not afford to go any higher and they are not willing to help with getting my payments decreased.
Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.
Related : Case number : XXXX and XXXX ( Note : It is important to have independent documentation so Wells Fargo ca n't come back later and make further questionable statements. ) I filed case XXXX this morning and would have updated it if I could have. 

On the Escrow Account History ( attached to that case ), the bank shows XXXX payments, XXXX to XXXX XXXX and XXXX to XXXX XXXX. 

I changed my homeowner 's policy in XXXX 2016. I was able to obtain better coverage at a lower rate from XXXX XXXX. I canceled the XXXX policy. 

The bank paid both companies. The bank paid twice for the same thing - insurance. 

The bank should not have paid XXXX XXXX. 
Either the insurance company issued a refund to the bank and the bank FAILED TO RECORD it to my account or the bank received the cancellation notice and ignored it. 

The bank has played similar sneaky tricks in the past. When my former insurance company went out of business, the bank initially FORCED me to pay for their own overpriced insurance company, despite my obtaining coverage from XXXX XXXX. 

If the bank had not mistakenly paid both insurance companies and then " mistakenly '' not recorded a refund to my account, there would be a substantial OVERAGE in my escrow account. 

Wells Fargo has once again, deliberately created a problem for this old woman.
XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with XXXX, on XXXX I disputed this reporting, in writing, directly to Experian, XXXX. XXXX. XXXX investigated and deleted both the original and XXXX accounts. I waited for 3o days and resubmitted online disputes to both XXXX and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both XXXX and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.
I closed my XXXX XXXX accounts on XX/XX/2018 and they mailed me a check for XXXX which was the remaining balance. I had to scream at 3 different people cause they tried to keep my savings open without my permission. An inside source says they did keep it open and transferred money out of there after I closed my account. I sent my VA pension payments direct deposit to a new account at a new bank and todays the money should have been kicked back from NAVY Federal credit union and sent to my new banking institution. I called the VA and they said it was never kicked back to the treasury and they thought it was strange giving the circumstances that the account has been closed for more than 2 weeks. I'm writing that the bank is committing fraud against me for closing my account in retribution for reporting them so many times to the cfpb for stealing my money that they never gave back. I suspect they waited till it was closed and someone fraudulently transferred it over to a fake account and stole it.
Have asked HSBC for a Discharge of mortgage for the previous owner of my house. When previous owner paid their mortgage off XXXX years ago during the sale to me, the bank never recorded that Discharge of mortgage with county of record. My lawyer has now been working on getting that discharge since XXXX 2015, a process that should have taken no longer than 90 days per HSBC.
Applied for a modification was denied as a XXXX lien and since XXXX lien had some monies forgiven couldnt do anything for this one.
I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n't owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they 've added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.