WillisBack/dataset-financial-user-claim huggingface dataset:
College Assist contracts with the XXXX XXXX XXXX , XXXX ( XXXX ), for the collection of outstanding student loans. Apparently, College Assist does not screen its contractors, nor does it maintain any quality control over its contractor 's work. 

Recently I received a letter from XXXX stating that it was attempting to collect {$58.00} on an outstanding student loan that it claims I have with College Assist. The correspondence indicated that I could dispute the alleged debt, which I did. 

On XXXX XXXX, 2016, XXXX responded to the dispute with a letter stating that it was attaching " additional documents related to your account. '' When I reviewed the documents, it became apparent that XXXX mixed up my documents with that of another borrower, and that XXXX gave me documents that contained that borrower 's personal identifying information, including social security number, driver 's license number, date of birth, and financial history. Due to the sensitive nature of the documents received, I will not attach them to this complaint, but will provide them only in response to follow-up communication with this Bureau. 

Because my documents were not included in the correspondence, and because it appears that XXXX intentionally/recklessly sent personal identifying information to the wrong person, I can only assume that XXXX also provided my documents, containing my personal identifying information, to another person not authorized to receive it. Such behavior demonstrates that lack of any quality control on the part of XXXX and upon College Assists in the supervision of its contactors.
My mortgage was moved to Seterus in XXXX 2014. I am currently in a chapter XXXX bankruptcy that will be paid off in XXXX. I have filled out paperwork with my attorney 's approval so I may talk about information regarding my loan and sent it twice to the address I was notified by Seterus. My attorney also faxed the information twice to the phone number Seterus instructed twice. When I call about my loan, I am told this information has never been received. I am angry that my rights to my mortgage have been violated. I see several mistakes on the Seterus periodic loan notice but can do nothing to dispute this information. Furthermore, Seterus sends any information to my attorney annd I have yet to get a statement from Seterus. I want my account updated so I may have access to dispute any problems. I also am requesting an audit of my loan as I see there are mistakes on my loan. If you do not handle the auditing procedures, I appreciate any referrals you can provide. I want to thank you in advance for your help in this matter. Sincerely yours, XXXX XXXX
In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. 
I subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. 
My mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. 
Approximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. 
My husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. 
I feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction.
On the same day debits were presented for payment a deposit for double that amount was made ; but somehow TD Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account.
I tried to put 1000 XXXX dollars in a crypto currency company called coinbase. They said that my money would come in three days. But I waited a month and I still havent gotten my money.But they just took the money from my account and have yet to give me my money on my basecoin account. So I went to the bank and somehow they thought that I was hacked so they went to the criminal department and they said that the money was correctly charged from my account. So I went on XXXX and found out I was the only one with my problem. They gave me a phone number to call but there was no one on they other end and I was on hold for one hour, then I finally hanged up. I even tried to file a complaint to their website on the complaint section and I have waited for over two weeks  for an answer and I got none even though I supplied them with all the information needed.
Sears Card. Sears did not answer when I disputed the account as I sent them several letters which there was no response. Sears sold the account in which they faulted to my dispute in several issues as well as phone calls in which they never return after talking to me. I also was told every time some would get back in which they never did it was just the run around and then they sold the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is my old address in which I updated in the dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
I went into forclosure in XXXX with bank of america and received a loan modification in XXXX. I paid on it for almost XXXX years on time and correct amount. Bank of america did not apply the funds correctly to my account even though they had the correct loan number address and my phone number and lawyers number. They sent my payment back to me in XXXX XXXX claiming i had not been paying the full amount on the contract when I did follow their contract they wrote.. They put me again in forclosure. I got another lawyer and bank of america forced me under duress of losing my house into another modify with terms unlivable. They also charged me {$28000.00} in interest penalties late charges etc. I found out that they resended the XXXX modify because they claim they were not the investors in the XXXX modify. I have a hard time believing that because I have payed my mortgage to them since XXXX. I need help they are ripping me off.
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for Chase Bank, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.
On or about XX/XX/XXXX/XX/XX/XXXX A call was placed to Wells Fargo stating a reduction and inevitably a loss of job occurred, the associate took my information ask for a couple of documents that was submitted immediately and approved ( unemployment ) a memoriam forbearance agreement. I had to pay a reduced amount for XXXX months and at the completion of the forbearance I would be able to resume my regular monthly payments and the difference would go the the end of the loan. At the end of receiving my memoriam payments they stopped accepting payments. 

Wells Fargo then asked for additional documents as is they were going to do another modification although the agreement was to put the difference at the end of the loan. I supplied the information requested, that started years of additional documents requested almost every XXXX days. Forcing the home to go into Foreclosure status. 

I believe they are in violation of truth in lending practices as well as ethical procedures. Approving me of a In Memoriam and converting it to a modification. 

Since then I have requested numerous modifications ( although I should have been in Memoriam per agreement ) Ive also request the HAMP and HAMP XXXX programs and have not been successful to date. I believe Wells Fargo and its investors intentionally tried to block my payments and force a foreclosure procedure on my property. This home is not upside down like the rest of the homes and they have not tried to help " the homeowner '' since the " homeowner thru taxpayers have bailed XXXX out '' of the financial crises.
I filled out online form for my free credit report with Equifax it did not go through they said they needed more information, I mailed them the information they requested and still no Free annual Credit Report from them or any other Credit Report. This is causing me a problem if there are items I may need to dispute as found in other reports. 
I would like this resolved
Hi. I primarily work in the zone where Hurricane Michael hit. I had an interuption in income for a few months as I am 100 % commission in Real Estate/Mortgage sales. 
Getting back on my feet but asked for the 3 month Hurricane Relief. 
My other car loan with XXXX XXXX granted me relief ; but Honda Financial after multiple attempts not only did not grant ; but then marked my account 30 days late. 
After multiple complaints to management with many sales folks ; they finally agreed to modify 1 month and continued to mark me 1 month late.

# 1 : I would like the 30 day late removed as they modified me one month for the Hurricane Relief.

# 2 : I would like them to reconsider the 3 month abatement.

# 3 : Remove late fees Again, my mortgage company and other car loan readily helped ; however, Honda Financial maybe helped a little ; but also penalized my credit report with the late. 

Thank you. 

XXXX
EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Nationstar ( mr.cooper has been marking me late from XX/XX/XXXX thru XX/XX/XXXX.The error occurred when they allowed me to defer one payment they did approve. They have refused to correct the errors they made do my account. The Attorney General Office has asked me to make XXXX XXXX, XXXX aware of what is happening to my credit score. Nationstar has marked me late over 8 months over the past year. I have enclosed all my payment records and correspondence with Nationstar ( mr.cooper ).
I have solo professional practice. On  XXXX   XXXX ,    2016 I o pened a new account with the same processor as required through the new Credit card processing machine and program I enrolled in.     The Credit card processor  " Elavon ''  opened my new account as I requested, however they did not close my original account as I requested on     XX/XX/XXXX  and   XXXX   XXXX  2016 .      Now I have found out that they have charged me a total of {$1000.00} in minimum fees on the dormant original account even though I had requested such account be closed and was told it was closed. These fees were improperly taken from my " new '' active account.   Thank you.
XXXX insurance company is charging me an extra month of coverage that I did not used. The collection agency asked me for proof I had insurance coverage through another company to discard the claim, and I sent it to them XXXX. The agent said that if I did n't hear from them in the following two weeks it would have been cleared and two months later they started harassing me again. They once again asked me for proof, I sent it, they confirmed that they had received it and now they started calling me again.
XX/XX/XXXX / XXXX XXXX XXXX Made a hard inquiry that brought my score down -4 pts im trying to build my credit here! .I dont understand why theres this hard inquiry And i have not applied for no kind of credit. 
I did not Authorize to make this. 

XX/XX/XXXX/Capital One Made a hard inquiry without consent of mines Ive tried disputing this multiple times already and still nothing.
PennyMac HAS engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac has failed to deliver required foreclosure protections. 

PennyMac is using faulty information in the servicing of this mortgage loan. 

Please see attached letter correspondence dated XX/XX/XXXX, from the mortgage servicer, PennyMac Loan Services. 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
I applied to care credit for assistance in financing some dental work I was having done. I was approved for an XXXX credit limit. For awhile I was making my payments monthly until I noticed that I had paid over XXXX and only XXXX was credited towards my account. I recently received a bill from a collection Agency stating that I now owe XXXX on a card with an XXXX dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these XXXX companies to have deceptive practices.
I 've sent several letter asking the company to send proof that the account belongs to me and I still have n't received anything from the company and they are still reporting to the credit bureaus
The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.
Chase Bank is charging unauthorized fees to my account, specifically contravening the account agreement. Chase Bank refuses to permit stop payment requests for 1 year. They will only accept stop payment requests that include automatic renewal for 6 years.
Trans Union is ignoring my numerous requests to investigate, verify and remove accounts from my credit file that do not belong to me.
The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.
I opened a checking account at Chase Bank in XXXX, NY with a coupon guaranteeing a {$200.00} rebate with direct deposit. I told the clerk I was a secondary name on another chase account to ask if I still qualified. She went to a manager to check and came back with an affirmative. I complied with the direct deposit stipulation but hadnt received the rebate months later. When I asked at the branch they said I didnt qualify. I wouldnt have opened the account if the bank representative said I didnt qualify at that time. Obvious misrepresentation to get me to open an account.
I bank with Bank of America using the paybill service. The checks were due for pay on the XXXX of each month. The bank took the moneys early and charged me overdraft fees on the XXXX of the month.
I purchased XXXX appliance and I submitted rebate forms to get {$200.00}. I received citi XXXX debit card. The card expired and I contacted the customer service and they told me they can not do anything about it. Prepaid debit of {$200.00} disappeared! Can they do that?
Experian has inquires that I did NOT authorize and I did NOT give anyone authorization. These are fraudulent inquiries. The following inquiries need to be deleted : XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, These inquires NEED to be deleted, I didn't sign ANY APPLICATIONS!
I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.
Dynamic Recovery Solutions is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house in XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. Dynamic Recovery Solutions is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX. I want these people stopped.
I do n't wan na to get bankruptcy never late payment i was payment on time but I went to my hometown last three months i have at that time i have a lot of payment. My wife she 's XXXX she needs XXXX more than two months. That 's XXXX come back everything was missed up. I have XXXX bank account but I have negative balance. I am trying to find new job to reduce my negative but I did n't get any job. My account is closed now. I am trying to report my situation but no body help me. Imagine my future baby wife .they can not give me option.
XXXX XXXX XXXX is mis reporting to Experian a collection that is 7 years old. It is a reporting a balance of {$500.00} with a date of last activity of XX/XX/XXXX in error.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX
I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX   Account # XXXX
On XX/XX/XXXX insurance company issued a check in my and my clients name. The check was sent to the client without my knowledge.

I found out that the check was cashed without my signature. The bank never called me to tell me that the signature was not mine. 

The bank cashed the check without my knowledge.
I became a XXXX XXXX in XXXX. I was told by Navient 's predecessor organization Sallie Mae that due to my unique circumstances, having had a loan in forbearance ( due to a military XXXX XXXX and XXXX ) I would never be able to take advantage of the Public Service Student Loan forgiveness program. After Navient was created in XXXX, it continued to tell this lie to me and similar lies to others. 
I have been a XXXX XXXX  for over 8 years at this point and I can not start taking advantage of the program now and have it actually pay off before my loan is paid off through the normal course of events.
XXXX assumed servicing of a loan that was cancelled with a XXXX from USAA, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from XXXX attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from USAA for this debt, acting as a substitute trustee, holding a lien.