WillisBack/dataset-financial-user-claim huggingface dataset:
I was working a full time job and decided to start taking classes with money out of my own pockets. I called Navient to see if I could be placed on in school deferment, and was told I could. There was always an issue and I would get calls every once and awhile, but after I explained they would look into my account and would say I should n't have been called and its taken care of. A week before I finished my classes my department at work was outsourced and we were laid off after 6 years. I then called Navient to see were I could go from there and was informed that my particular loan could n't be put on complete deferment and I was suppose to make interest payments. The $ XXXX interest payment seems unduly harsh but I may have been able to struggle it although even while fully employed I still lived check to check scraping bills by, but to be told that I owe 4-5 months in back pay is impossible. This seems unexceptable due to the amount of conversations we had, and their lack of record keeping or knowledge of their systems, for them to not know about the loan they are instructing me on seems ridiculous. I attempted to file a complaint and they said they could do nothing and it was on me, and not their employees who were instructing me. I tried to keep filing more complaints, and was told a manager would call me to address my concerns, none did. I got the calls from the employees who knew nothing of my account just telling me I was past due by 4-5 months. They informed me they would not release to me the recorded calls of our conversation unless I legally got a supoena. This has tanked my credit and has effected me financially, as well as XXXX. When I was employed it was almost impossible to make all my loan payments because and they could n't do anything to lower it, now that my income is unemployment I ca n't pay them anything.
FORECLOSURE FRAUD against our HOME - PLEASE HELP INTERVENE!!! 

Nationstar Mortgage LLC - the subject of XXXX ' Foreclosure Fraud Complaint with CFPB, recent file # XXXX submitted in XXXX XXXX, now proceeds to cause a Notice of Trustee Sale to be recorded against the XXXX 's home on XXXX ... based on.. 

FORGED Foreclosure INSTRUMENTs ... and based on an UNLAWFUL Notice of Default -- DEFAULTED Debt Validation Request ( attached ), False Servicer Declaration, as explained in referenced Complaint File, False " current owner of Debt '',, and FALSE Trustee Quality Loan Service Corp who recorded the NOD and NOTS -- with claims that are based on a FORGED Substitution of Trustee ( CFPB File XXXX ) ... 

This all started with Nationstar 's FALSE CLaim as Assignee, with its " self-executing and manufactured assignment instrument '' which it caused to be recorded XXXX XXXX ... purportedly from original lender Homecomings ( via MERS ) -- which could NOT BE POSSIBLE because Homecomings filed for Ch XXXX bankruptcy in XXXX XXXX, hence no asset to transfer to Nationstar in XXXX. XXXX XXXX. Sections XXXX, XXXX, reference : XXXX XXXX XXXX XXXX XXXX, case # XXXX, XXXX Bankruptcy Court, XXXX XXXX XXXX New York. 

With only FORGED INSTRUMENTS, and NO PROOF as required by the foreclosure laws in XXXX XXXX XXXX XXXX - we appeal to CFPB 's authority to HELP STOP this ILLEGAL TAKING AWAY of Our home. 

Thank you for your URGENT HELP!
Complaint Information : The mortgage payments on my loan serviced by Capital One, N.A. account are paid through XX/XX/XXXX. I am due for the XX/XX/XXXX payment. However, servicer is reporting payment is due for XX/XX/XXXX. Misapplied payment on my mortgage account which the servicer refuses to
research & correct. Background Information : I
filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX which was discharged on XX/XX/XXXX ; full PITI mortgage payments were made every month. Capital One, NA failed to record payments made on the date ( s ) received, but placed them in an escrow account resulting in an account history that is incorrect and useless. Capital One, N/A would allow the account to appear severely delinquent then post a lump sum to the balance ( after 3-4 months of holding the payments in suspense ) resulting in the payments being misapplied. I received no monthly statements during the 5 years in bankruptcy therefore I was not aware of this issue. During the reconciliation of my bankruptcy case prior to discharge, Capital One [ XXXX XXXX, XXXX  XXXX ] falsely reported my mortgage loan was severely delinquent in the amount of {$4400.00} to the bankruptcy trustees office on XX/XX/XXXX. 

Attempts to resolve issue : I began attempting to work with Capital One, N.A in XX/XX/XXXX but they will not respond. During several calls to them, I was told my file was assigned to the research department, being handled by an individual by the name of XXXX, who has consistently stated he would get back to me but has never responded. On XX/XX/XXXX a qualified written response was sent to Capital One, N.A. ; which was delivered on XX/XX/XXXX ( according to the U.S. Postal Services tracking receipt ). As of today, XX/XX/XXXX, Capital One has failed to acknowledge receipt of my complaint or respond  under the RESPA and has violated my rights as a consumer under this act.
I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded.

Creditor 1 - 09 XXXX  XXXX Unverified Account, Creditor 2- XXXX XXXX XXXX XXXX , Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX & XXXX XXXX Unverified Account, Creditor 5 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 06 - XXXX XXXX Unverified Account, Creditor 7 - XXXX Unverified Account, Creditor 8 - XXXX XXXX Unverified Account, Creditor 9 - XXXX XXXX XXXX Unverified Account
I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}
Unfortunately, I did not take note of every statement I have received, nor did I take note of all contact with XXXX XXXX XXXX. We received a statement dated XX/XX/2016 for {$230.00} from XXXX XXXX XXXX. I called my health insurance company, XXXX, on XX/XX/2016 and asked them about the statement. XXXX informed me that XXXX XXXX XXXX has a contract with them and as part of their contract, XXXX XXXX XXXX should NOT be contacting me for payment. I called XXXX and let them know that and I told them that I just want to make sure that this does not go to collections and hurt our credit that we have worked so hard to build. The employee at XXXX XXXX XXXX would not confirm with me that our account would not go to collections when I asked. Since XXXX was unwilling to help me in any way, I decided to call XXXX back on XX/XX/2016 to let them know that XXXX would not confirm with me that my account would not go to collections. XXXX put me on hold and called XXXX XXXX XXXX. The representative at XXXX spoke with XXXX XXXX at XXXX. XXXX confirmed with me that they already payed XXXX {$230.00} for the services rendered and that the bill that XXXX sent me was a double charge. XXXX gave me a confirmation number of XXXX. I called XXXX back on XX/XX/2016 to confirm that everything was taken care of, given I had not received another statement in about a month 's time. XXXX told me that they sent XXXX XXXX the Explanation of Benefits and that I am not accountable for the payment and to stop worrying about it. I felt at ease until I received another bill from XXXX XXXX XXXX on XX/XX/2016. The statement read : ****FINAL NOTICE**** YOUR ACCOUNT IS SEVERELY DELINQUENT. IN ORDER TO AVOID FURTHER COLLECTION EFFORTS, PLEASE REMIT PAYMENT UPON RECEIPT OF THIS STATEMENT. Today, I received a bill from a collection agency ( Synerprise Cpnsulting Service, Inc ). I am just too busy to be dealing with this. My mother just passed away. I just do not know what to do or who to contact to resolve this and to prevent it from hurting our credit. Please help! Thank you so much.
I am writing to file a complaint regarding the Bloomingdales American Express credit card, which is issued by Department Stores National Bank and/or Citi N.A. On or about XXXX 2015, Bloomingdales transferred the administrative responsibilities for their American Express product to Citi NA. Since that time, I have been unable to access the website to pay this account in a timely manner. Furthermore, since I no longer receive a paper bill it makes it nearly impossible to pay the bill for this account unless I actually call the Department Stores national Bank customer service line. Bloomingdales has publicly noted that their payment website has been having issues since XXXX 2015 ( see attached email from XXXX XXXX, 2015 ), but has not done anything to remedy the problem in the intervening period ( see attached screenshot from XXXX XXXX, 2015, blocking access to the Department Stores National Bank/Citi website ). It is obvious at this point that the problem goes beyond mere technical problems, and may be an effort by Department Stores National Bank/Citi to increase late fees and other charges by denying consumers timely access to the credit card accounts and statements.
Upon moving from Oklahoma, I canceled my cable service with XXXX XXXX and returned the equipment to their local store location. I paid the final bill in full and all was to have been finished with the cable provider, XXXX XXXX. To my surprise, I receive a bill in the mail from the cable company saying I owe them for an unpaid balance on the account. After many phone calls it was settled as an oversight of payments due to XXXX files being created for my cable account. The amount was actually a credit of {$93.00} and was refunded to me in a check. However, XXXX XXXX sold the balance as a debt leading to issues with a collection company XXXX XXXX XXXX for a debt of {$93.00} from XXXX XXXX. After filing proof of the credit and pay off of the balance with CFPB that debt was to have been removed from both the debt collectors system on XX/XX/2015 at XXXX as well as XXXX XXXX XXXX. Recently, I received a collection notice in the mail from a new debt collector IC Systems trying to claim the same debt for XXXX XXXX in the amount of {$93.00} when there is no actual debt to collect. Enclosed is a copy of the refunded check from XXXX XXXX and a Copy of the Notice of Collection from IC Systems.
On XX/XX/2018 I was contacted by Premier Recovery regarding an account I am unaware of. When I called XXXX a gentleman answered the phone and said hello. He didn't say the company name. 
When I gave him the file number he called out another someone else 's name. I asked the guy if I could get validation of the debt & he replied that they would not do something that I could do myself. He also refused to give me any contact information to the original creditor when I asked repeatedly. He began to raise his voice at me and didn't assist me with my concerns. I am unaware of the debt and simply was requesting information since I don't recall having an account with XXXX XXXX XXXX. The gentleman was very rude and uncooperative. He was irate because I asked for proof of the account. The guy was very unprofessional.
I have tried numerous time to dispute the late payment information on my account with both the lender ( NavientXXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.
On XX/XX/XXXX, I contacted Bank of The West to apply for a mortgage for a 2nd home. All went well - I received a letter dated XX/XX/XXXX that my loan application had been approved. I was charged for an appraisal in the amount of {$490.00} on the XXXX. 
All paperwork they required from me was sent in - I received a call on XX/XX/XXXX from XXXX XXXX at Bank of the West that we could the close as early as XX/XX/XXXX. I contacted the seller and informed them of the information regarding the close. 

On XX/XX/XXXX I received a call from XXXX XXXX at Bank of the West stating that the Condo Safe Questionnare, which was not sent to the management company until XX/XX/XXXX, had come back stating the PROPERTY didn't qualify. Not that I didn't qualify - the property itself didn't qualify. 

I contacted Bank of the West and filed a complaint stating they should have vetted the property FIRST to make the sure the property qualified BEFORE ordering an appraisal. If the property didn't qualify, if they had done their due diligence, even if it caused the loan process to take longer, then that information would have saved me time and money. Now I have wasted the entire month, and also incurred a needless appraisal fee. 

I requested a refund of the appraisal fee from Bank of The West because they should have vetted the property and sent the Condo Safe Questionnaire IMMEDIATELY to the property manager. An appraisal should NOT have been ordered until they knew that the property would satisfy their requirements. 

Bank of the West is refusing to return any/all of the appraisal fee, which I think is totally unfair and inappropriate.
XXXX has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX   TX XXXX have never lived in TX XXXX XXXX XXXX XXXX  TX XXXX have never lived in TX Shows a collection account from : Hunter Warfeild, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX  

This does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX This account was never late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  This account was never late Shows an inquiry from : XXXX XXXX. I did not authorize this. XXXX. I did not authorize this. XXXX. I did not authorize this.

XXXX. I did not authorize this.

XXXX XXXX XXXX. I did not authorize this. XXXX XXXX XXXX. I did not authorize this.

XXXX/Pre-Owned. I did not authorize this.

XXXX XXXX. I did not authorize this.
I have been battling with Keybank to close my account and other issues. I held the account for some time and when my bank card expired they did not send me a new one. Then they claimed that they must have sent it to the wrong address as I had moved recently. I tried to change my address with them multiple times over the phone. ( It took 2 months to get my bank card. ) They also repeatedly refused to send me any checks during this period whenever I asked for them over the phone. I also could not look up my account online because they closed my online account. When I asked to have the account closed they refused. Throughout the battle with them they have admitted that I do not owe them any money but they refuse to close the account. I needed money during this 2 month period and I was told to go into 1st Niagera Bank in XXXX because they were now servicing both Keybank costumers an 1st Niagera customers because Keybank now owned them both. They told me the wrong hours of operation and then someone from Keybank during another phone call admitted that 1st Niagera could n't have helped me until XX/XX/2016 anyway. I finally had to go to the nearest local branch of Keybank which was all the way in another state. I had to take a train almost all the way into XXXX ( I needed to pay for a car repair and I could n't get my car without paying first ) after taking a train I had to get an Uber to the Keybank branch wherein I had to argue with both the teller and the manager about withdrawing any money from my account. Finally they allowed me enough money to pay for the car and a few other expenses. As their customer service was terrible I asked for half of it as a bank cheque and then half in cash. The bank teller insisted that I needed to make the bank cheque out to my other banking institution which is not affiliated with Keybank. I actually had to get on the phone of XXXX customer service line and asked them to speak to the bank teller at Keybank about how to fill out a bank cheque. She reluctantly filled it out correctly. As for the cash, I believe that I was shorted {$20.00} from this same teller and when I called about it the manager who had the same Italian accent as the one I had just spoken to not 40 minutes beforehand promised to call me back about the issue and he never did. I have now withdrawn nearly every penny out of the account at Keybank and I have stopped all deposits from going there. I have maybe less than {$20.00} in the account and I just want it closed. I want the remaining money out and I want a full investigation as to where my money has been. I really do worry that some of it may have been stolen as my father used to have his account linked to mine while I was living overseas so he could transfer money to me easily. They apparently opened a fraudulent account in his name and refused to close it even after he changed banks. He was never notified of the other account which became delinquent and they said that he had been making some payments on it until recently which he says he never did. I think they may have been taking that money out of my account so that is why I want a full accounting of the money in there. Thank you.
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on XXXX is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.
In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.
They not only took loan payments from my mom and only applied them to XXXX loan instead of all the loans that were being covered so that she had to pay higher interest and kept calling and harassing us telling us loans were past due. And my loan went from XXXX to XXXX because of late fees and interest. They would n't let me initially put my loan on forbearance they would n't let me do any repayment plans they told me I was not eligible for any of them. And then I found out that they have sent {$5000.00} to a school I never attended and when I spoke to them about that they told me it was my problem and I had to get the money form the school back. I spoke to that school and received a letter stating that I was never a student there and they return the first XXXX that they sent because the loan was canceled then after all that navient sent them another XXXX even after they were told the loan was cancelled and wo n't tell me who they sent that money to you with any proof of who they sent it to. So what happened to that XXXX navient is trying to force me to pay or they will put me in default and ruin my credit and they have already done damage to my parent 's credit and that is only the tip of the iceberg I do n't even think I can fit everything they 've done to us on this. But then when my mom confronted them they lied to my mom and said I told them to give me the {$5000.00} they accused me of theft and slandered me to my own family I never once told them to do that. And now I received a bill from them stating I owed {$480.00} but my mom got one for the same loan stating she only owed {$280.00} and when I spoke to them on the phone they said only {$210.00} was passed due and would not give me a straight answer they just kept giving me the runaround on why they were different payment amounts this causing undue stress on me and my family causing family problems they are trying to tear my family apart apparently and destroy our credit and our life. I have XXXX different loans from XXXX to which I received private expense loans which I will gladly pay back and have almost completely paid back to the XXXX that I refuse to make payments for money sent to a school that magically disappeared that I never even attended. I only went to XXXX School the situation is very confusing but as a lending company they should be required to keep their loans straight and separated like they should be XXXX of those XXXX schools I ended up not attending due to financial situations and inability to move out of state.