WillisBack/dataset-financial-user-claim huggingface dataset:
Was contacted on XXXX XXXX @ XXXX CST &  XXXX XXXX @ XXXX CST. 
Has not given me an amount owed. 

This company has contacted me now twice regarding a debt. I 've spoken to their manager XXXX & asked both times for a validation of the debt. Both times I was spoken to extremely rudely, called a " XXXX XXXX '', told it 's my job to call the original creditor to validate, was told they are in a " process ''. When I asked what this process was, like court? I was told that no, not court, just a process. 
I told them that under law, they have to give me verification of the debt within 5 days. Was then told that I 've owed this debt since XX/XX/XXXX, that I 'm a " XXXX debtor who never paid my bills ''. I informed them that my identity was stolen & that I have never had a credit card with the company they 're " colleting '' for. Was told by first debt collector that they have a copy of my credit report & that I owe everyone. I also told them that the statute of limitations had expired after 5 years ( Missouri law regarding credit card debt ), I have zero clue who the original creditor was, and that I need validation. All this XXXX person does is over talk & try to use scare tactics without giving me any proof what so ever. 
I just called them to inquire about their mailing address & they refused to give it to me & were again, extremely abusive. 

They are also calling my boyfriend 's cell phone ( not my number ) even though I 've told them that was not my number & to stop calling him. 

This company is scamming people & trying to collect on extremely old debts that they 're refusing to verify.
I was sent approval for a loan. Without any notice or any reasoning, the lender refused to return phone calls or e-mails after charging over {$600.00} for an appraisal fee and taking over six-months.
In  XXXX    XXXX   my daughter,  XXXX   XXXX  applied for and received from Navient Income-Driven Repayment Plan. She was instructed to pay {$200.00}, up from the {$110.00} that she had been paying. She made the {$200.00} payments in  XXXX  and  XXXX , confirmed by Navient via email. NOW, my daughter is receiving  " Past Due '' statements!! This is HORRIBLE!    Back in early  XXXX  I was told by Navient customer service that she could get a 60 day courtesy hold on her account, only to find out when she called to get the hold placed, she could n't!!   I want to see  Navient stay with the the monthly payment amount that they set when the application for repayment was processed and stop this constant setting of past due on the account. Navient  has all the contact information to communicate any changes and yet they choose not to use them until after the fact. There should n't BE any changes, it 's ridiculous!   My daughter is making good on her part to get payments made to keep her account in good standing and it 's lik e Navient is doing all they can to sabotage her.
Our loan has been mismanaged from the beginning. The loan was acquired XX/XX/XXXX as a XXXX XXXX Pick a Pay mortgage through Wachovia Bank. At the signing of the mortgage they said our mortgage was wrong and need to be fixed ... they never fixed it ... we called and they were n't available, would n't return phone called, etc. XX/XX/XXXX-XX/XX/XXXX our mortgage company even though they held the escrow said they did not collect and came to us XX/XX/XXXX demanding a XXXX +escrow payment..our loan then spiraled out of control and we have been try to fix from the beginning. We were part of the Wachovia pick a payment class action lawsuit XX/XX/XXXX Class XXXX and they where suppose to dissolve our loan but that has set to happen even those they were ordered by a US district court judge to do so.There are tons of others in this same situation. We have been trying to refinance our loan since XX/XX/XXXX to no success due to no one wanting to touch our loan because of how messed up it is. We have never missed a payment, but every year our mortgage is always short and the bank cant explain why or where the money goes. We have tried and tried to work with them but they are unwilling to do so. We do n't want to loose our home due to the bank being at fault. Our loan is in its current state because of their negligence and we are asking for your help in this matter.
My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed.
Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.
When we bought our home, we received a letter from National Biweekly Administration promising that if we let them service us, we will be able to pay off our 30 year mortgage in 20 years. We decided to accept their offer. Now a year and a half later we received a letter saying that they can no longer hold up to their side of the deal. We had already paid all the necessary fees for their services, and each month, they charge us a fee for their services. We tried to contact them, but can not get through their phone system. They just simply tell us to call back later and hang up on us.
Soon after making my payment to this company, I received multiple daily calls to my landline and cellphone asking to contact them. Upon my contact, it was discovered that I was erroneously assessed a late fee on the account. The representative was neither apologetic or very willing to remove the fee and was insisting I pay three times the amount of my payment due. I advised her that I would not be paying for a late fee I did not owe nor was it in my budget to pay the amount fee she asked. Then she said that it would be able to pay {$27.00} for the next month. Soon after I made this month 's payment, I started receiving calls again so I contacted them again. The late fee still had not been reversed and they were still expecting me to pay 3x the payment amount. The rep was apologetic but did nothing to speed up the reversal of the late fee. I told him that I was being harassed by the company and did not want to receive and further calls. I was able to block them on my cell phone though they still have continued to call my landline. Their customer service is non existent and their business is run unethically. I would like all late fees reversed and the balance to be correctly adjusted. In addition, would like a letter of apology for the unnecessary harassment and afterwards would appreciate their ceasing any further communications with me. I am absolutely appalled at the treatment I have received from this company despite my long time business and excellent credit history.
There is a remark on my business credit file from this company. It is unknown to me, I would like full validation. I did go through some financial hardships but that was more than 7 years ago and nothing should be listed on the credit file at all. Please help me as I requested
I made a purchase of {$110.00} in XX/XX/XXXX. I inadvertently missed the payment and spoke with a representative that advised me to send in the balance due plus interest ( XXXX + XXXX interest accrued on XX/XX/XXXX + XXXX interest accrued on XX/XX/XXXX ) and the late fees could be waived. I sent in a payment of {$120.00}, which was applied on XX/XX/XXXX. The outstanding late fee of {$62.00} was not waived and has been COMPOUNDING and accruing interest ever since. The practice of charging late fees on late fees until the balance is out of hand seems abusive. I have since submitted a dispute ( XX/XX/XXXX ), however, XXXX XXXX appears dismiss disputes filed on late fees. They keep harassing me with collection calls 7 days a week. 

I am requesting that 1 ) the [ compounded ] Late Fees that have been assessed, became principal, accrued interest and charged late fees [ repeat ] for a total of {$350.00} as of XX/XX/XXXX be reversed/waived ; 2 ) my account be closed ; and 3 ) my credit be updated to reflect paid in full on XX/XX/XXXX with no late payments since. 

This practice is not fair and can put a consumer in financial hardship quickly. 
Thank you!
Equi fax , Inc.  is not reporting the correct i nformation from the employer in that on the amount paid not showing Historical Account Information whi ch is incorrect. I told Equifax this on several occasions but still doing it. The information show that on  XXXX /2017 no data available but at the top the last payment was on  XXXX / XXXX / 17  for {$90.00}. The historical account information is what Equifax is adding to the account which is incorrect. On  XXXX /2017 showing no payment but show amount past due as {$0.00}. I need for Equifax to stop using historical account information because it is sending the wrong message and this is what Equifax is doing on its own and need to stop because this is hurting my credit report Instead of putting down date of payment, balance, amount of payment, schedule payment and etc.
Continued Harrasment By Daily Phone Calls & Daily E-Mails Received by Different Prestige Financial Services " Employees '' After I Filed A Complaint With CFPB in XXXX or XXXX of XXXX and Set-Up a Payment Plan With Prestige Please See " All '' E-Mails Received To Date.
Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix.
I received several calls and a final letter from a collection agency on behalf of XXXX medical organizations in regards to a supposely pending account that was paid XXXX months ago and charge to my bank account. 
When I call to clarify the customer service representative was really improper in her answer to me saying that the only way for me to do it was sending proof of payment ( which I completely understand and was ready to send ) I addressed that I have apply to a store credit a week ago and it was denied and it may be because they may report to XXXX and that they have damage my credit report with a false issue. she said that it was not her problem and that they will try to fixed if I send proof of payment. 
I felt so mistreated at this point and I want to voice my most strong complaint to these entities and organizations that do not have any type of courtesy and understanding of the wrong behavior and consequences.
Both of the collection accounts with Equifax have been previously disputed and removed form my report. Now they are back on the credit report. These need to be permanently removed.
On XX/XX/2018 I submitted a written request for Navy Federal Credit Union to remove negative information from my credit report. Navy Federal Credit Union agreed to remove this information in a contract with me on XX/XX/2018. Failure to honor this contract is considered wire fraud and breech of contract. 

It is now XX/XX/2018 and Navy Federal Credit Union has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). 

I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process.
Dear CFPB, I am extremely frustrated with my student loan servicer, Navient. I graduated with a XXXX in XXXX and a lot of debt. I went into repayment in XXXX with Sallie Mae. In XXXX, I received the option to consolidate my loans when I received a letter announcing that Navient would be buying out my loans. At that time, I had been working XXXX years ( full-time ) for a XXXX XXXX  organization and I had just learned about the Public Service Loan Forgiveness. I called Sallie Mae and specifically asked if the consolidation would impact my eligibility for PSLF. I was told by Sallie Mae that I would still be eligible but to wait until after split between Sallie Mae and Navient took place to apply. 

In the summer of XXXX, I took a new job with a different XXXX organization that also meets the requirements for an employer in Public Service Loan Forgiveness program. I sent in the required documents to Navient in late XXXX and was told I did not qualify. I asked " why? '' and that I had spoken to Sallie Mae and they had indicated otherwise. The representative said I would have to increase my payments to an " astronomical level '' and that " the loan repayment plan I was currently on '' did not qualify for PSLF. This phone call left me deeply shaken as I was already paying XXXX a month and could not begin to think what an " astronomical level '' would be. 

I have now accumulated 10 years of employment in a qualifying non-profit or government institutions and have made 10 years of monthly student loan payments via automatic payments ( auto-pay ) tied to my bank account. I have been in repayment for a total of 15 years. Navient shows that I am only 36 % of the way to my repayment date of XXXX/XXXX/XXXX. I will be XXXX years old. 

I feel 100 % cheated. As a first generation college student and XXXX student, I was repeatedly counseled that student loan debt was " good debt. '' While I am grateful to have received the loans to aid my scholarship money, my XXXX XXXX  tuition waivers and part-time jobs, I am deeply disappointed and frankly, angry, that I can not get on top of this debt despite years of faithful repayment and being told I could qualify for PSLF. 

I recently read in XXXX and in other sources that I am far from alone in this predicament. Instead of feeling any consolation, I feel enraged. 2 % of applicants actually qualify for PSLF? Please. I am surrounded by XXXX professionals who make far more income than I do who were also deeply in student loan debt, but their loans are being forgiven by other loan servicers who actually help up their end of the deal. 

Having my Federally guaranteed loans bought out by Navient was not my choice. But now I have no choice but to deal with a company that seems not to care one bit about what student loan debt is doing to people who are trying to contribute to a cause larger than themselves. 

Sincerely, XXXX XXXX ( formerly, XXXX XXXX )
I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month.
Select portfolios are attempting to foreclose on my property with fraudulent assignments that have been robo signed they have failed to respond to my QWR and my debt validation notices dated XXXX  of XXXXthey offered a preditory modification which gave me a XXXX balloon payment and a mortgage payment that went from XXXX to nearly 1900also XX/XX/XXXX I filed an affidavit of notice in XXXX county due to various elements of fraud misrepresentation and deceptive practices I revoked the power of attorney from XXXX XXXX and the home equity asset tust XX/XX/XXXX-5 holders for it is unconstitutional everyone has a right to due process of law.I stand on the 14th amendment and Article V. I don't want my home to be sold on the courthouse steps with do process of law. I demand a jury of my peers to make the decision. 
I want a judicial foreclosure because of all of the fraudulent assignments and other deceptive practices
TransUnion ha d two glitc hes in their system where inquiries were removed from the credit report betwee n  XX/XX/XXXX  and  XX/XX/XXXX  and again in  XX/XX/XXXX  . They did not notify me about adding them back onto my credit report within 5 days which is required by The FCRA rules. I called and requested to speak to United States Representative and I spoke to  XXXX  who claims to be a supervisor in special handling. They have been known to say that consumers were not affected by the glitches and that is exactly what she told me. I know that I was affected by the glitches in the system and there are inquiries on my credit report that should not be there.
Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report. 

I also believe they are calling my place of employment pretending to be somebody else.
XXXX XXXX  XXXX in XXXX, XXXX overcharged me {$160.00} on check out. Breakfast was included in room rate up to XXXX daily. However, I was inadvertently charge for breakfast separate from the room rate. Documentation has been provide to Citibank on 2 different occasions. Recently on XX/XX/18 but on XX/XX/18 they stated they did not get what they wanted. All items will be uploaded on this complaint so they have them for a third time.
My mortgage account with Wells Fargo Home Mortgage should be showing closed with a balance of XXXX, because a settlement agreement was reached. On XX/XX/2018 a consent judgement was finalized with a " waiver of deficiency '' in the XXXX Circuit Court of XXXX County Florida ( Court Document Attached - item # 7 - Waiver of Deficiency ). 

In spite of the court ruling, Wells Fargo continues to report my account as delinquent with a deficiency of over {$70000.00}. This report by Wells Fargo is fraudulent and contrary to the courts ' ruling.
Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. 
if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX XXXX
I have a daily interest mortgage loan. This loan has changed financial institutions several times since I took out the mortgage loan in XXXX. I have had problems paying my mortgage in the past due to an identity theft and the haulting of my Social Security Benifits. I sought help with getting the then mortgage holder at the time to defer my payments. I have since had to file Chapter XXXX bankruptcy. I filed my bankruptcy case in XX/XX/XXXX. During my bankruptcy filing the mortgage changed hands again. A company called Bayview Servicing is now handling my payments for whom ever has my mortgage. My payments of XXXX I often rounded off and was sending XXXX dollars or XXXX.The original mortgage company was applying the overpayment to my principal. This new company is holding my over payment for over a year as unapplied funds. I have ask them several times to apply the funds to my principal. This company is holding my money and it is not benefiting me by lowering my principal. I was told they are holding my money because it is not a payment, I repeat this is a daily interest mortgage. If my payment was a day past the due date the company would not hesitate to take the additional interest from my payment. Bayview has been holding XXXX of my money for over a year. I want these funds and the annual interest it would have saved me had it been applied to my mortgage applied to my mortgage.
On XXXX XXXX, XXXX I received an alert from XXXX indicating a new collection account was added to my credit report. After logging in, I learned XXXX XXXX had placed a collections account, in the amount of {$690.00} from XXXX, on my report. This same account was previously with XXXX XXXX and on XXXX XXXX, XXXX it was disputed. Between XXXX XXXX, XXXX, the account was found not to be valid and removed from my credit reports. Now within a week, XXXX XXXX has placed this account back on my credit report. In addition, I have not received any type of correspondence from XXXX XXXX in regards to this " alleged '' debt -- no letter, phone call, etc. According to the Fair Debt Collections Practices Act, I should have been made aware about this debt and their pre-meditated actions, and since I was not, this is a violation of the FDCPA. 

My research on this collection agency yielded a slew of reviews of their unethical collection practices. I would like this remedied immediately, and I would like for XXXX XXXX to remove this account from my credit report and have an updated copy sent to me. This is a violation and I was this fixed immediately.
I have a " FlexLoan '' from XXXX XXXXXXXX XXXX beginning in XX/XX/2017 when I had several unexpected expenses. I had to use one transaction to even pay my rent. I understand this is not meant to be inexpensive credit and there are warnings about not borrowing too much, but I never saw the interest rate charged until I logged in and pulled up statements. Way at the bottom the rate is shown to be 279.50 %! No wonder I can not get ahead! On the original {$3800.00} borrowed, I am paying {$900.00} per month. The terrible thing is my balanced owed is going up each month due to compounding interest! 

I contacted XXXX asking for a way to lower my interest rate - they say that is not possible. I asked to close the account and setup a reduced repayment plan and they refuse. What is my recourse? I want to honor this debt but the outrageous interest rate and compounding is making this very difficult! 

Thank you for your assistance. 
XXXX XXXX XXXX