WillisBack/dataset-financial-user-claim huggingface dataset:
Last month the fly-by-night outfit ( Nationstar ) that bought my mortgage tried to charge me late payments dating back a over a year to XX/XX/XXXX, which of course would be illegal. However, since Nationstar acquired my mortgage my payment has gone up and down considerably without notice, so I looked at my statements. I 've owned my house since XX/XX/XXXX, and the purchase price at that time was {$23000.00} plus closing costs and my current mortgage statement with Nationstar states that I still owe more than {$20000.00} on my house -even though there were times ( since XX/XX/XXXX ) that I made double mortgage payments on the principal loan. I would like the CFPB to investigate the entire life of my mortgage loan, looking for irregularities of which I believe there are several. My Nationstar Mortgage reflects nothing from my previous loan/mortgage with XXXX XXXX XXXX so it appears as though my mortgage began in XX/XX/XXXX instead of XX/XX/XXXX when I bought my house. Nationstar wants to charge me {$15.00} because they updated their website ; they also have {$5.00} and {$10.00} 'fees ' added to my account indiscriminately from XX/XX/XXXX onward so it appears that I never paid my mortgage on time. They also want to charge me {$25.00} to see a payoff amount or the entire terms of my mortgage. This was never the case when XXXX XXXX XXXX held my mortgage, I could see my entire loan at any time. I 've asked Nationstar about all of this but they refused to send me any information, is there anything you can do to help me? Thank you, XXXX XXXX
I was trying to get a consolidation loan due to too many loans and credit cards maxed out from the divorce I am in the middle of. On the evening of XX/XX/XXXX I got a call back from the loan place and they asked me to buy a card to give them the number I could only assume to get their money back and then cancel payment so they make a profit. Well I then call capital one and tell them I think that payment was a scam and I dont want to be in trouble for it. Fraud depo said of course no worries we will help you. I ask them to verify the account or just stop payment and they said they could stop it or verify the account due to it being the weekend now. I was advised to call back on mon XX/XX/XXXX. Well I did and I was told there is nothing that can be done and he couldnt verify the account but assured me I was not going to be held accountable. Well they then froze my cards and the next day closed both my accounts. I have been a good customer for almost 2 years and always paid on time and usually was always at least twice the minimum payment. I asked why they closed my account and they said because i had 4 returned payments during the life of the acct and I said how is the last one my fault I even told you it was fake then you punish me even after I pay extra to make an XXXX   payment to make sure I still get my bill paid on time cuz I didnt know if I was gon na get a late payment charge since I knew it was gon na bounce back. I read the entire terms and conditions and I did not read anywhere that if I had 4 returned payments that I was in acct default and my accts would be closed. I feel treated unfair due to I told them about the bad payment and made the right one thr next day and they still closed me and I can not get them reopened. Now my oldest credit card accts are closed for no good reason with 100 % on time payments and its hurting my credit score now. Not right I did everything I was supposed to do.
I get calls from different people stating to call the plantiff. They have called my ex mother in law XXXX times stating they are looking for me to take me to jail. the latest they called my home and said they were going to my job between XXXX and XXXX yesterday. Stating I could call the attorney at XXXX to stop it. They have also called my elderly sick parent stating the same. They are calling for XXXX XXXX ( My former married name )
I have filled out a complaint with American Express for a charge made that I never received. I submitted the dispute on XX/XX/XXXX and the customer service agent from Amex said that contacted the merchant the day I made the dispute. It has been over 20 days and absolutley no progress has been made. I have submitted the documents they asked for and everything. Amex says on their own website that the merchant has 20 days to respond. It has been over 24 days and STILL they have not issued a chargeback. 

I have complained to Amex customer service, managers on the phone and NONE of them have even looked at anything I sent. The last person I spoke to said she was just now seeing the documents and the dispute itself. Then when I brought up the issue of it being over 20 days with no response from the merchant ... .she claimed they just contacted the merchant a day earlier ... .THREE WEEKS AFTER I MADE THE DISPUTE. This is contrary to what every other customer service agent stated. 

I also received a letter from Amex that said I had until XX/XX/XXXX to write a letter explaining my dispute. The letter was datedXX/XX/XXXX but only arrived at my house onXX/XX/XXXX ... .three weeks after it was supposedley mailed. I see no reason to have to mail anything when I have been on the phone for the better part of two weeks explaining and repeating myself to whoever I speak to from Amex. I have provided the documentation, XXXX is not responding to anyone, and I have to have close to {$10000.00} sitting idle for two months? This is extremely unprofessional.
I received a call on XX/XX/XXXX from XXXX XXXX XXXX telling me that my loan was delinquent. I logged into my account and noticed I made a payment for {$260.00} on XX/XX/XXXX. My account showed a past due of {$56.00} ( see attachment ), however the representative on the phone told me my past due balance was {$72.00}. I called back to inquire why it was not showing my past due balance as the correct amount, explaining that if I went by what the website was saying and made the payment for what was past due, I would still be delinquent. This inaccurate display of balances due was the reason the XX/XX/XXXX payment was not for the full amount, as I always pay the balance in full by selecting what is due. I spoke with customer service for XXXX XXXX XXXX ( on the line for over 35 minutes ) and I was told that there was an issue with their billing. I have four loans and only three loans were showing up on my bill ; the fourth was showing up on a different bill. They told me that they are working on resolving the issue. They also told me that I will not be negatively credit reported.
Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report
XXXX bank/XXXX  is showing an open account on my experian with incorrect balances and wrong dates.
I Am having A Problem With Experience Credit Report Agency With Something About XXXX Showing On My Experience Consumer Report please help me with this problem XXXX XXXX  Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My Experian Report Please Help me with this
received call from " Credit Management Control '' who left a voicemail for someone other than myself. As you can see from the contents, the information provided violates federal law. 

" Hi, we have a message from Credit Management Control. This is a call from a debt collector. Please call XXXX between the office hours of XXXX and XXXX Monday through Wednesday and XXXX to XXXX Thursday and Friday. Thank you. ''
I am very tired of the way my loan is being ha ndle by Chase. I have submit numerous application to Chase to be review for a modification, since my intentions are to kee p my home with an affordable payment. Therefore ; I have provided all the docum ents needed to Chase so I can be evaluated for a modification. However they have purposely prolonging my case making fall further  behind. They are forcing me to provide  a   XXXX   XXXX  -fo rm with the  XX/XX/XXXX year on it, I explain to them that I only have file for   XX/XX/XXXX and  XX/XX/XXXX  tha t is why I did not write on the application   XX/XX/XXXX . I have fax  them many letters of explanation why I am not presenting records for   XX/XX/XXXX . Since I get paid in cash I will be filling next year. I dont understand why Chase kept stating I dont make enough if  my monthly income is {$1900.00} and my current expenses are {$1400.00}. these expenses include my current mortgage payment. That leaves me with a surplus of {$470.00}. after covering all my expenses. I have attended workshops and have learn to create a monthly budget to make sure I save money for my trial payment. Please help me I am very over whelmed with all the excuses  Chase keeps bringin g up in order to prolong my case, I am ready to start making my trial payments and become current once again.
I have sent Portfolio Recovery Associates, LLC a letter on XX/XX/2018 asking them to VALIDATE this debt they claim I owe them or XXXX XXXX. PRA, LLC only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX  then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX  and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX  saying that PRA, LLC owns the account and that it is not an attempt of XXXX XXXX  trying to collect a debt. I am going to need VALIDATION THAT I OWE PRA, LLC {$260.00} if they can not produce these documents I demand them to remove it immediately.
When the debt first appeared on my credit report it was for XXXX XXXX XXXX orginal collection date was XX/XX/2016 balance was XXXX. I substituted a dispute letter for this debt in XXXX of 2016 with all 3 credit bureaus and it was removed. I had noticed it back on my report with a different collection agency XXXX XXXX with a new balance and a new original collection date. I then called the credit bureaus and informed them that this is not my debt and also of the change of collection date as well I was told it was going to be removed due to that matter and it's still there. I gave them the file number of the first dispute letter so they could see that the dates were changed the guy verified it was and assured it would be handled when speaking with XXXX and the same assurance when speaking with transunion. I explained how this affects one credit and they spoke as if the understood but apparently lied. I have sent out another set of letters concerning a inquiry from XXXX XXXX XXXX, and XXXX  and they have yet removed them from my report. I have asked to remove willow trace with the copy of the letter that was sent once I paid the debt that is was to be removed from my credit as well. I have not yet received correspondence from any parties yet that it will be remove. I'm completely over writing these letters and calling at this point and I'm starting to feel there is some truth about what I hear in the news about the bureaus because of this matter.
On XX/XX/XXXX a claim was submitted to the Underwriter : XXXX XXXX XXXX that handles XXXX XXXX for apartment communities. The coverage was XXXX but I was responsible upon move in for a non- refundable premium of {$170.00}. I was scheduled to be evicted in XXXX of XXXX. The rental office XXXX XXXX, who is managed by XXXX and XXXX, gave me a call the next month XXXX XXXX XXXX to ask why did I move and that eviction was canceled. Her name was Ms XXXX. My monthly rent was XXXX monthly. The unpaid rent charges that were submitted by XXXX and XXXX were {$3.00}, XXXX and damages of XXXX. = to {$4700.00} and the the XXXX should have covered {$1000.00} leaving me with a balance of XXXX to owe to the community. Hunter Warfield which is the collection agency is charging interest, totaling {$460.00} as of XX/XX/XXXX.
They automatically set me up for forbearance when I did n't know I had an option for and  Income  Based  Repayment  Plan. This caused an enormous burden of interest that has accumulated over the years. I have taken on over {$40000.00} of credit card debt because     XXXX   XXXX   aka    Navient A LSO advised me to use a 0 % interest credit card to pay off my student loan, which I am now paying over 29 % interest on these credit cards. I still have over {$90000.00} of student loans and unable to pay the thousands per month payment. I need help, I was lied to and given poor advice and I was denied better options that i was eligible for.
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.
I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that XXXX XXXX  would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX ( the collection agency they sold the debt to ). So I filed a dispute with Experian, the status of my account went from " delinquent '' to " late 120 days ''. I called Experian and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.
On XXXX/XXXX/16, I purchased XXXX moneygram money orders from Walmart on XXXX XXXX in XXXX, XXXX for {$1000.00} each ( Money Order # 's : XXXX & XXXX ). After purchasing the money orders, I scanned both money orders to my XXXX XXXX XXXX account. I then tore the money orders up and discarded them at money services area at that Walmart ( A requirement that my bank XXXX requires ). In XXXX of this year ( 2016 ), XXXX pulled both of the {$1000.00} deposits for each money order from my account, stating that they had been contacted by MoneyGram stating that someone has deposited the physical money orders into an account at XXXX XXXX XXXX on XXXX/XXXX/16 and that MoneyGram would be pulling the funds from XXXX. I contacted XXXX XXXX XXXX and they informed me that a claim would have to be filed through MoneyGram to recover my funds. I contacted moneygram about this situation and on XXXX XXXX XXXX, I was contacted by XXXX XXXX XXXX of Monergram 's Resolution Assurance Dept ( XXXX ) who informed me that a credit had been issued by MoneyGram on XXXX/XXXX/16 for each money order and that my bank ( XXXX ) would need to contact the Federal Reserve and provide these reference numbers : XXXX - XXXX ref # XXXX on XXXX/XXXX/16 ; XXXX - XXXX ref # XXXX on XXXX/XXXX/16. XXXX contacted the Federal Reserve on XXXX XXXX XXXX and was informed that no funds were tied to these reference numbers and that the reference numbers provided were from the initial correspondence with XXXX XXXX XXXX and MoneyGram. This has been a very long and aggravating process that I would like to get resolved as soon as possible. I contacted XXXX and asked how could this happen when I endorsed each money order on the back by signing each of them with my name, and putting for deposit only, XXXX XXXX XXXX Bank ( see attached money orders that I had to pay moneygram {$24.00} each to get a copy of ). I also informed XXXX that I had never banked at XXXX XXXX XXXX, I knew no one that did and that this was a fraudulent case. MoneyGram provided a case number ( Case # : XXXX ) were they stated they opened up a claim of endorsement not as strong with XXXX XXXX XXXX ; a but to this date ( XXXX/XXXX/16 ), no resolution has occurred and I have not received my money back.
I recently had several unauthorized ATM transactions show on my Santander Bank account. There are still 2 transactions that have not been refunded. {$800.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. Now, I contacted them by phone via relay service ( Im XXXX  ), and the call got locked up near the end. So Im not sure if my dispute was actually filed or not. I decided to communicate through the CFPB instead of relay service so that its on record.
In XXXX, I received a letter in the mail from Barclays Bank XXXX. The letter included a check that was for balance transfer. The offer was 0 % interest rate for XXXXmonth with a 4 % fee. I used the check to reduce my interest rate. The card I had had a 10 % interest rate. In XXXX, the bank mysteriously called me about a fraud case. I told tem that I had done the balance transfer. They charged the 4 % transfer fee. In my XXXX statement I get an interest charge. I called them and now the interest rate is over 27 %. They keep firm that there was no introductory rate. Well why would I transfer a blane from a lower rate card to a higher rate. This is a scam and they need to be stopped,. I wonder how may other customers got the deal ( scam ) to transfer funds. 
XXXX XXXX XXXXXXXXXXXX XXXX
I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).
Account paid in FULL via phone with Ally Bank : Tuesday XX/XX/XXXX. 
Ally bank can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 Ally Bank representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with Ally Bank. Recently spoke to ally bank regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with Ally Bank to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will  work with me. 
Please note : Married Name : XXXX XXXX XXXX EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX
Equifax was breached due to negligence, I never authorized my information to Equifax as I do not have a contract with them. It took 46 days my information has been exposed and is now vulnerable.
XXXX offered me a plan which I agreed to and then all of the sudden changed back to way it originally was. I agreed to {$250.00} a month for XXXX in until pd off and the interest rate was to reduce to .001 after 3rd on time payment which I have made nearly 8 payments. I was paying just as they offered and I agreed to all the sudden they changed back to old interest rate and payment. I want it back the way I agreed to when they made an offer of {$250.00} locked in with my interest rate of .0001 until paid off and I want them to back date from when they pulled it out from under me. I help up my end of the deal and was paying as agreed. This in not fair they thing they can do what ever they want whenever they want when they made an agreement with me. The attorneys office that they placed the account back to will not return my calls or voicemails.
My credit card has a service whereby XXXX precheck services are reimbursed as one benefit of my {$450.00} annual fee. I obtained the XXXX recheck in XX/XX/2016. I have made 5 phone calls spanning the last 4 months and have yet to get a refund of that money. Every time I call, they are " going to look into it '' and " I should expect a credit any time now. '' This is absolutely unacceptable for a financial institution to be holding onto my money for this long with a promise of providing this reimbursement. I have spent no less than 2 hours on the phone which is very precious and another example of the " hoops '' consumers need to jump through to protect our own diminishing rights.
I was contacted by Coast Professional , Inc. company regarding my student loan payments being in collections in XXXX of XXXX. At that time, I tried unsuccessfully to fight their allegations. I had received a forbearance on my student loan accounts until XXXX. In XX/XX/XXXX, I received a notification from XXXX and XXXX ( XXXX XXXX ) informing me that my payments were coming due because of the forbearance had ended or was close to ending. 

I shared my concern regarding this situation with XXXX  because I have been plagued with a wage garnishment on my job. This was implemented through a collection agency named Coast Professionals , Inc. who claims that XXXX and XXXX XXXX placed my account in default with them. I have had my check garnished since XX/XX/XXXX. When I initially had a conversation with this company I assured them that my account was in forbearance and I could not be in default. To my dismay, Coast Professional , Inc. aggressively pursued activating the garnishment of my wages. Recently, I have learned that XXXX never placed my account in collections. In addition, the XXXX company does not issue wage garnishments as a practice to collect student loan debts. The student loan representative from XXXX made note of this in my account. XXXX also assured me that this was a scam. However, the representative that I spoke to assured me that I would receive a letter from XXXX explaining the status of my account to my employer which would eliminate the continuation of the garnishment. I have not received the letter as of today. 

The ultimate conclusion from the information that I have gathered is that Coast Professional , Inc. is a fraudulent/scam company falsely representing itself as an extension of the U.S. Department of Education, XXXX and XXXX XXXX. Consequently, I will not be able to pay both agencies if this criminal act is allowed to continue and persist to drain my finances. I also would like clarity about where the monies will be credited one this is resolved. If I will get credit for the monies collected during this time period. In the meantime, I am a victim suffering a horrendous loss of income, dignity, undo stress, and the possibility of losing my position at work. 

I urge CFPB to please, investigate this company in conjunction with my account and the tremendous threat it may present to other clients as well.
I received a notice from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, 2017. It was a bill for medical care in Florida for someone with the same last name but different first name. I called the medical group listed and confirmed that the bill was for an XXXX year old child in Florida. I am XXXX and live in California. The medical group said that they had not provided my name or address to the debt collection agency.
When I called the debt collector and explained to them that this was not my bill they first told me to 'just return the bill '. I 'm not sure how you return a bill. I was also very concerned that this would negatively impact my credit score.
I pushed further and the person on the phone supposedly went to talk to a supervisor. After about a minute she came back on telling me to ignore the bill.
This is either a scam or a very poorly run business. I 'm still concerned that this will impact my credit score. The company provided no information on how they got my address or information.