WillisBack/dataset-financial-user-claim huggingface dataset:
I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.
Ditech collects escrow monthly ( {$240.00} ) as part of my mortgage. On XXXX XXXX, 2016 I received a letter from my county stating I was deliquent in paying my taxes. I immediately called Ditech and their process for verifying that they in fact collect money for an escrow account was obsurd. They said to verify this it would take 14 business days and they would need to submit and review this by " research ''. Fast forward a week, and quite a few phone calls on my part, there was a resolution. The would in fact lay my {$2400.00} tax bill from my escrow account and they would charge me {$66.00} in interest because I was not an escrow consumer and, as per my request on XXXX XXXX, became XXXX. This is untrue. They have collected escrow since I bought my home in XXXX. These people are liars, sneaks, and impossible to deal with. They sent the issue back to " research ''.
XXXX XXXX XXXX They have repeatedly ignored me. This isnt my debt and theyve ignored requests for additional information, proof and removal of information.
XXXX-Quicken ran an inquiry on my XXXX XXXX and XXXX credit report without my permission
Over the last 2 years, it has become next to impossible to obtain any detailed information regarding my loan. 

I have been instructed by customer service to not go by the Navient.com Loan Details web page, as it isn't up to date. When I request a detailed breakdown, they state that they are not allowed to provide that information. 

In XX/XX/XXXX I reapplied for Income Based payments, I listened to the terms & conditions and pressed pound to accept. I come to find out in late XX/XX/XXXX that the payment plan was never set up by an employee error & I was several months past due. 

This has happened multiple times, I am in a automatic debit withdrawal program, yet the interest fluctuates or money is misapplied to the loan. 

All the while- I haven't received any correspondence or breakdown. 

I have to check my credit report every few days, to see if my loan amounts are up to date. 

Today, XX/XX/XXXX, I run my credit report & my student loans have gone up {$47.00}. Yet, I made my scheduled payment on XX/XX/XXXX, with the next one scheduled for XX/XX/XXXX. 

Overall : 1 ) The principal amount is wrong 2 ) The interest calculated is wrong 3 ) The company refuses to provide a detailed explanation of the amount 4 ) The company charged interest and penalties while I was enrolled in school full time.

5 ) The company refuses to provide an address to a written dispute.
XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( Komyatte & Cabson P.C with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.
My husband purchased a XXXX XXXX XXXX XXXX XXXX and financed it through BMW Financial. 

The vehicle was paid off in XX/XX/XXXX. We never received the title or lien release letter. 

My husband passed away XX/XX/XXXX. When I went to change the title and license it, the court house told me it still shows a lien on the vehicle. 

I called BMWXX/XX/XXXX and sent the will and death certificate attn : XX/XX/XXXX to customerdocuments@bmwfs.com. XXXX promised to call me back. NOTHING On XX/XX/XXXX I sent another email, and all I got was a response I could not use that email for correspondence. 
XX/XX/XXXX I called again, and was told that because the will wasn't stamped, XXXX couldn't call me back. She meant through probate court. 
XX/XX/XXXX I spoke to XXXX and explained to him that when I got in touch with XXXX County Probate Court Cordinator, she refused to put me on the docket for a lien release letter. There is nothing about my husband 's estate that warrants probate. This is the ONLY issue we have. XXXX asked me to send him the email from probate and he would call me by the end of the day. NO CALL. 
XX/XX/XXXX I spoke to XXXX, who told me that the way I fwd the email was not acceptable and that is why XXXX could not call me back. I then printed the email and attached it and sent it attn. to XXXX and XXXX. Again, no call back from either one of them. 
Today,XX/XX/XXXX, I have spoke to XXXX who stated that XXXX told him that this is at a supervisor 's desk, XXXX, and when she gets through reviewing it, they will get back to me. 
I asked to speak to another supervisor, and was told no, because it is in XXXX 's hands. NO ONE CAN HELP ME. I ONLY WANT THE LIEN RELEASE LETTER. I HAVE PROVIDED DOCUMENTATION THAT IS VALID TO RELEASE LIFE INSURANCE, 401 K FUNDS, BUT BMW IS REFUSING TO GIVE ME A LETTER WE SHOULD HAVE HAD OVER A YEAR AGO. 

I need to license the vehicle so I can drive it. I need it to work. 

I hope you can help me, I can not afford an attorney for this. 

XXXX XXXX XXXX XXXX
I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.
My wife,   XXXX   XXXX   has two mortgages with Ocwen Mortgage. One is on our residence,   XXXX   XXXX   XXXX  .   XXXX   XXXX  , NV  XXXX  ( loan #  XXXX  ) and the second is on a rental property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NV  XXXX  ( loan #   XXXX   ). My wife is current on both mortgages, never having even been late. In  XX/XX/XXXX , we learned of a judgement settlement from  XX/XX/XXXX  in which Ocwen was required to provide principal reductions to underwater homeowners and that Ocwen was required to contact those borrowers. Both of my wife 's mortgages were underwater, but Ocwen never contacted us. We wrote to Ocwen in  XX/XX/XXXX , and have had a plenitude of exchanges with them since then. We have saved all the paperwork, and have taken contemporaneous notes during telephone exchanges. We have cc 'd many of our letters to the Office of Consumer Ombudsman, the U.S. District Court for the District of Columbia, the Nevada Attorney General 's Office and you, the Consumer Financial Protection Bureau..
We jumped through all the refinancing/modification hoops with Ocwen, and, in the end, the only solutions they offered us were short sale or foreclosure. The primary residence is currently valued at about 420K, while the outstanding mortgage is   XXXX   ; the rental property is similarly underwater.
I received a copy of my credit report and I notice I have fraudulent hard inquiries in my credit report. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
My insurance company at the time paid the debt owed to a hospital. 

The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. 

When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. 

I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.
I received an alert on my credit file from XXXX  today XX/XX/2018 stating that my score had dropped due to an increase balance on my Capital One credit card. My XXXX  credit report stated that my Capital One Card Balance went from {$0.00} to {$210.00}. I called Capital One and confirmed that I paid my credit card balance on XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the Capital One Representative when was this balance reported and was advised by the Capital One representative that it was reported on XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.
It was {$350.00} when I borrowed {$300.00} for a payday loan and I also have a XXXX title loan from the same place for XXXX
We, I am hoping that, the Attorney General 's Office will take a 2nd look at the business landing practice to see if is in line with the state and federal law. 
I applied for a Mortgage loan through my loan, officer XXXX XXXX from Veritas Funding and I was approved for the loan and got through all the process to the closing and while I was waiting for the bank a date that I will be closing on the house. I have got a call from my loan officer stated that, you wo n't be able to buy the house any more. I was in shock and when I asked why because I have done everything they asked of me and signed all the paper from accepting the loan to the appraisal. He said that, the Veritas just did n't want to do business with me anymore, I have tried to contact the company and my loan office, none of them wanted to talk to me, they refused to take my calls and until now I have never heard from Veritas Funding or my loan officer. 
I felt discriminated and I want to State Attorney 's office to investigate of what really happy back then.
I just completed a 5 year bankruptcy plan. I successfully repaid my plan as of  XXXX    XXXX  . I am divorced and a single mom with full legal and physical custody of  XXXX  children. I want to pay my loans back however the monthly allocation of  XXXX  is high. I would like to negotiate taking off the interest that accrued during my bankruptcy to make the payments easier. I am currently throug h ACS and  their communication is only to manage through deferment or forebearance which I am not interested in. I have asked for the lender and discovered it is   XXXX   XXXX   XXXX   XXXX   XXXX   . Yet I call and email them and they do n't have me as a customer. Can you help me as I do n't know how t o reach out and try to resolve this with the lenders?
Citibank has closed my credit card, XXXX 's card as well as my wife 's credit card. 
They refuse to advise me for the reason they closed them and state they have the right to close any account for any reason or for no reason. 
They also forfeited all thank you points and cash rewards earned which is totally unacceptable. 
My wife and I have never been late in paying our accounts and.we did not experience such a situation with any other bank.
I am currently going through XXXX. XXXX XXXX sent emails on Portal about completing Income Base Driven forms. Due to my health, XXXX, and XXXX I was not able to fill out the forms. Fed loans substracted {$1200.00} from my banking account, even though I have never had to pay before because of my income. I have trying calling to get assistance and they rush me off the phone. I am at a lost and don't know what to do. They won't give me the information about getting a refund.
I have been receiving paper statements for my Discover personal loan, even though I had signed up for electronic statements when I received the loan. For over a year I had no issues, and received electronic statements and no paper statements in the mail, which is what I want. I contacted Discover right away after receiving the first mailed statement and I was assured that it was a system update error and it would not happen again. I have contacted them about this issue 4 months in a row. I have explained to them that I have had mail stolen from my mailbox and I 'm concerned about identity theft, but they will not stop the paper statements.
I sent XXXX XXXX XXXX a creditors validation letter in which the are suppose to respond back to me accordingly to the FDCPA. In which, they failed to do in the allotted time frame of 30 days.
I was contacted in or around XX/XX/XXXX by a collection agency claiming to have a judgment against me and demanding payment. The judgment was supposed to have been imposed in XX/XX/XXXX for a debt that I knew nothing about. I never knew about the judgment until XX/XX/XXXX when I received the first communication. I have written to the collection agency and both of it 's " attorney 's '' stating the debt is not mine and they must have the wrong person. I have asked for validation of the debt and all I received was the judgment order from XX/XX/XXXX. I was threatened with wage garnishment and now a subpoena to show all of my financial assets for the last 3 years. I have contacted the original creditor they claim I owed and they have no record of me owing this debt. I have relayed that to all parties involved and I am still getting threatened with legal action. I have overwhelming proof that this debt is not mine and since I never knew that this judgment was filed against me. It has cost me a lot more than what I have spent trying to get this cleared up in the recent months.
CAPITALONE CANCELLED CAPITAL ONE DEBT PROTECTION PROGRAMS WITHOUT PERMISSION AND NOW MUST FORCE ARBITRATION ON SAID ACCOUNT. 

FILE A CLIAM THAT WOULD PAY OFF BALANCE OR CANCELL DEBT.
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with Experian, XXXX   and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
I was recently denied a refinance on my present mortgage by Bank of America. 
They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called XXXX made XXXX separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!
I recently discovered my Old Navy account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or Old Navy Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or Old navy Card. I am a XXXX XXXX  trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.
I have a few not authorized or fraudulent inquiries on my EQUIFAX credit report. I have tried on many occasions to have the inquiries investigated and removed online and in less than 30 minutes get the response from Equifax that they have investigated the fraudulent and or not authorized inquiries and that they will remain because they are true record. I happen to call EQUIFAX on XXXX XXXX, 2016 and explained my situation to a Customer Service Rep ( CSR ) Named XXXX. She claimed that EQUIFAX do not dispute inquiries at all and that I should call the bank that placed the inquiry to have them remove it. I explained to XXXX that I had already called the bank and that they no longer had the account application and that I needed to file a dispute with EQUIFAX. XXXX CSR then called a supervisor named XXXX to try to help. After explaining the situation to the supervisor she said she could n't help me in disputing the inquiries because EQUIFAX new policy is to not dispute inquiries. So i explained to XXXX how does EQUIFAX protect the consumer from fraudulent inquiries. She then stated that I can put a Fraud alert on my file, but in my case how did she know that I am just calling in to try to remove inquiries I had placed on my own file as being fraudulent, implying that I was applying for credit and then calling EQUIFAX to have them disputed. At that point i decided to end the call and file a complaint with CFPB for further assistance. Attached is a pdf of most recent credit report from all XXXX credit bureaus showing the inquiries listed. The ones circled in red are the inquiries I am disputing as being fraudulent and not authorized.
On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.
Previous filed complaint, Wells Fargo denied, mislead and increased my mortgage paper on a modification where I had to sue them in court. They made my payments where I could not afford to pay it back while changing the term of my loan to an unreasonable remaining term.This was fraudulent and deceptive practice on an FHA loan that was government insured with mortgage insurance. They actually profitted by illegally foreclsosing on my home and breaking the law on loan modifications. 

This sled to me filing bankruptcy which ruined my credit and denied me jobs, lost of my children, lost of my home and ruin my life.