WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery Associates claims it purchased an old debt from XXXX XXXX. Despite request, it has not provided legally sufficient documentation that it owns my debt. It has provided some documentation concerning my account, but has not provided any documentation of ITS OWN OWNERSHIP of my account, and therefore, it can not show that it has any right to put a negative entry on my credit report. I've requested that this entry be deleted. It refuses to delete the entry.
I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.
I let my ex Husband keep the house in our divorce. I had to sign over the deed to him so he could put the mortgage in his name only per the divorce agreement. He was able to do this and the mortgage went to OCWEN. Somehow they put the mortgage back into my name and the new note does not have my signature. I have asked numerous times for a copy of the mortgage agreement and they have not given me one because I do not live at that address anymore. I never signed anything authorizing them to increase my debt. Please help me in fixing this situation.
I have called in several times to Equifax and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in  XXXX  of  2017
I have inquiries on my file that do not belong to be- XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX, XXXX and XXXX
Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.

I too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments. 

Next, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.

I tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.
XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$760.00} XXXX/XXXX/2016 Debit OVERDRAFT FEE BB & T ONLINE BILLONLINE PMT XXXX BB & T CHECK CARD XXXX *XXXX. 
BB & T CHECK CARD PURCXX/XX/2016 XXXX XXXX {$100.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BB & T CHECK CARD PURCHASE-PIN {$230.00} XXXX/XXXX/2016 POS XXXX XXXX. XXXX XXXX MN XXXX BB & T CHECK CARD RECURRING PYMT {$41.00} XXXX/XXXX/2016 Debit ONLINE PMT XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00} XXXX/XXXX/2016 Credit COUNTER DEPOSIT View {$270.00} ''BB & T BANK '' ... ... charged me for payments that I had scheduled to be taken out on XX/XX/2016 .... ( I.E., XXXX XXXX ... .for : {$170.00} ) ... .took this out on XXXX XXXX, 2016. I called ONLINE BILL PAY ... XXXX @ XXXX ... ..they put on hold, & did nothing to resolve this even thou my Veteran 's Check, of over {$XXXX}, ( that was already at my Bank ), as they HOLD IT TIL XXXX ... ..THE MORNING OF XX/XX/XXXX. PROCESSING THE ABOVE ITEMS EARLY, THUS CHARGING ME XXXX-EACH TIMES LATE FEES OF $ XXXX-DOLLARS! 

Then when I schedule something Monthly ... .. ( if any month has 31-days in it ), they move my payment BACK ... ... .BEFORE XX/XX/XXXX ... ..KNOWING THAT I PAY EVERYTHING OUT VIA MY BILL PAY ONLINE, ... ... .THAT SHOULD BE PAID ON THE XXXX or XXXX of each Month ... ..STOP MOVING MY PAYMENTS BACK, SO ''BB & T BANK '', CAN LET ME GO INTO THE RED, THUS CHARGING ME OR CHEATING ME OUT OF MY HARD EARNED MONEY ). 

**HERE IS THE SAME PAYMENT I SCHEDULED A MONTH EARLIER ( BELOW ), THAT WHEN I SCHEDULED THIS PAYMENT, WAS TAKEN OUT OR SENT OUT A CHECK, AND PROCESSED SEVERAL DAYS LATER, ONCE MY VA CHECK HAD ARRIVED TO COVER ALL BILL PAYS ON THE XXXX of each Month. 
XXXX/XXXX/2016 Debit ONLINE XXXX XXXX XXXX XXXX BB & T ONLINE BILL PAYMENT {$170.00}
Since XX/XX/XXXX, I have not received any of my paper billing statement for my Bank of America Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent Bank of America letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). Bank of America has failed to send me paper statements for the month of XX/XX/XXXXto XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that Bank of America is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXXI contacted Bank of America by phone and Bank of America acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXXand that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per Bank of America, my minimum payment due changed on or aboutXX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent Bank of America a written notice stating that I have not received the statement for the month I mailed out each notice.

-- -- -- -- -- -- -XX/XX/XXXX UPDATE -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA FAILED TO RESPOND TO CFPB CASE # XXXX AND # XXXX BANK OF AMERICA HAS FAILED TO INVESTIGATE MY DISPUTE AND FAILED TO CONTACT WITH A RESOLUTION. BANK OF AMERICA STATED THAT THEIR REASON TO NOT RESPOND TO THE CASE WAS BECAUSE OF A SUPPOSED UNAUTHORIZED THIRD PARTY. BANK OF AMERICA USED THIS EXCUSE TO BUY MORE TIME. BANK OF AMERICA DOES NOT HAVE PROOF THAT THEY SENT ME BILLING STATEMENTS. BANK OF AMERICA NEEDS TO CONDUCT A REINVESTIGATION AND PROVIDE ME WITH DESCRIPTION OF THE PROCEDURES USED IN THE REINVESTIGATION WITHIN 15 BUSINESS DAYS OF COMPLETION OF THE REINVESTIGATION. INCLUDED WITH THIS CASE ARE THE SAME DOCUMENTS THAT WERE INCLUDED IN BOTH CASES MENTIONED ABOVE. IN ADDITION TO THIS, I HAVE INCLUDED A COPY OF A LETTER I MAILED OUT TO BANK OF AMERICA ON XX/XX/XXXXAS BANK OF AMERICA HAS FAILED TO RETURN MY CALLS REGARDING THIS MATTER.
This company was used by two different apartment buildings to conduct a background check for screening purposes, the first on XX/XX/XXXX and the seconds on XX/XX/XXXX. Both times resulted in me being declined as a result of the results provided by Screening Reports , Inc .

Based on the Statement of Rental policy that both apartments provides online I should not have been declined and as a result have requested the consumer report that Screening Reports, Inc provided these companies so that I can verify its accuracy. 

I sent two faxes to their provided fax number they list on their website to request such report and both have gone unanswered and therefore have no choice but to file a complaint.
This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
First I received an email from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX XXXX. Then I started receiving calls from a XXXX from Alliant Capital Management they started saying if I did not pay {$13000.00} and set up payment arrangements that they were going to pursue a judgment on me and garnish my wages and I need to lock in with them right then and right there. I was scared and frightened. I did research and no such company exists. I do not know if it is a legitimate company and do not want to make payment arrangement unless I am certain and I do n't like being threatened. The original amount of my loan was {$600.00}.
I filed paperwork for the Public Service Loan Forgiveness program because I have been working for a XXXX for over 10 years. In the paperwork, it states my loan would be transferred to a new servicer ( FedLoan Servicing ) which happened. Well, once they received my information they changed my loan program and repayment plan without my authorization which dramatically increased my payments. They are only to be servicing loan under my previous terms which I was paying on time with no problems. I called them regarding and I keep getting 2 stories. One stating they are sending it back to my other servicer and the other stating they ca n't do anything. Had I known this was going to happen, I never would 've changed servicers because I do n't qualify for the program because of how my old loan was set up which NO ONE told me even when I asked prior to filing the paperwork. Besides the unauthorized changes, I was mislead. Things need to revert back to how I was prior to submitting the paperwork. Apparently, FedLoan Servicing does n't have the same programs as my previous servicer, XXXX. If they ca n't service it the same then they never should 've accepted it. I have attached a copy of the paperwork that must be submitted by someone requesting public loan forgiveness for your referral which is the only paperwork I completed.
Paid off my XXXX XXXX XXXX bill last year in XXXX, but I continue to receive phone calls asking for me to pay off a debt that I do not owe. It has also shown up in a credit report that I requested, please help.
I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.
Continue to have issues with Equifax credit reporting service removing and then replacing collections on my report. XXXX XXXX removed both collections from XXXX and XXXX from all XXXX credit reports. Equifax removed the accounts, then placed them back. Each time they do this, it hurts my credit score. Equifax continues to not fix errors on reports, and when they do, they turn around and place the information back on the report.
Well? It seems like American Express Bluebird and American Express itself not only are stupid 's ; they are so nasty that their nastiness fill up their air in XXXX all the way to above XXXX and XXXX and on the east XXXX XXXX, XXXX, XXXX and etc., etc., etc., helping me to realize from where were those disgusting NAUSEAS I had lately! ... FROM THEM!!. 
Attach to this new claim goes the letter ; in WHERE they 'think ' WILL APOLOGIZE TO ME WITH MY OWN MONEY!! HA! HAAAA! HAAAAAAAA!!!. 
I WANT MY MONEY!! ; and?? American Express YOU ARE A LAWLESS group of thieves ; I DON'T WANT OTHER ACCOUNT!! I WANT MY MONEY IN A CASHIER CHECK!!.
UNAUTHORIZED THIRD-PARTY ACCOUNT ACCESS AND CONDUCT CONCERNS Bank of America has been providing my home loan mortgage account information to unauthorized third parties for years. During this time, XXXX the mortgage and service records associated with and related to my home loan mortgage account, the borrower Home Loan Modification Status iportal, the MHA HAMP, and the MHA HAMP TPP process have been mishandled, destroyed, withheld, and otherwise altered to my detriment. This conduct has been intentional on the part of Bank of America and is designed and implemented to coerce and harass through the use and employment of poor and deceptive practices as a matter of standard policy in and during the ordinary course of business with the intention to defraud borrowers of their home while violating written agreements including, but not limited to, the Deed of Trust. 
While Bank of America may hide behind the built-in, go to, standby, default excuse of individual representatives misconduct and their lack of knowledge and skills during and throughout any modification, workout, and loss mitigation processes, Bank of America has no excuses for allowing such conduct to continue and such open disregard for the various and applicable laws, regulations, guidelines, timelines, agreements and their own stated policies, procedures, and code of ethics ( assuming those ethics are in line with those regulated and governed by state and federal laws ). 
I have uploaded XXXX documents submitted with this complaint. I will submit at least XXXX additional documents to the CFPB under this complaint number once assigned later this date.
Fraudulent. Transactions on  my. Wells Fargo.   XXXX   ( as per uploaded picture ). Police are treating it as a stolen card. But Wells Fargo think I  used it even though The Person in question is on  XXXX . Fraudulently using my card in the  XXXX .  XXXX .
Hello, I requested a loan modification to Wells Fargo Bank because my husband had XXXX XXXX and needed XXXX and XXXX, so our income was going to drop. Wells Fargo Bank reviewed my case and stated that because the investor, XXXX, only allows XXXX loan modification every five years, they denied my request. I appealed this decision citing this court case ruling, " Other courts have also ruled that HAMP gives homeowners contractual rights to sue their bank when they fail to establish permanent loan modifications for eligible borrowers. See XXXX v Wells Fargo Bank , N.A . XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank N.A., XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). '' Wells Fargo Bank denied my appeal. This ruling states that that Wells Fargo Bank must approve a loan modification when I qualify for one. Please help. Thank you. 

XXXX XXXX
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
I have received ten phone calls today from XXXX at my home, place of employment, and my parents residence. An automated voicemail from XXXX XXXX has been left multiple times instructing me to call XXXX. When I call back I reach the voice mail of XXXX XXXX but their system will not allow me to leave a message. These phone calls are harassment of both myself and my parents.
Re : Medical Business Bureau : I have not received any notifications to validate the medical debt for date of service XX/XX/2014 by mail, telephone, or email. They have not been able to provide proof that I have signed and accepted responsibility for the debt they have placed on my credit report. I have requested that they remove this erroneous information from my credit report and they have not, instead they report back to the credit bureaus that I am responsible for this debt without explanation. Re : XXXX XXXX : I have also contacted the original creditor XXXX XXXX and ( XXXX ) advised that XXXX XXXX has dissolved and they no longer have any information in their system b/c they computer systems has been purged of any prior debts. They have also not been able to validate debt.
SYNCB.have report inaccurate information to credit bureaus in violation Of FCRA, damaging my ability to obtain credit, the Cfpb have the obligation to investigations THE SYNCB IN VIOLATIONS OF MY CONSTCONSTRUCTIONAL RIGHTS MY SOCIAL SECURITY # XXXX TO LOCATED AL XXXX ACCOUNTS, XXXX, WALMART, TOYURUST, AND CANCELED MY INSURANCE BECAUSE I BELIEVE IM XXXX, IN VIOLATION OF ADA
I have three ( 3 ) PLUS loans with a standard repayment term of ten ( 10 ) years. They were issued by the Dept. of Education in. The loans were later transferred to SallieMae in the year XXXX under the terms of the original promissory note. I then received a letter in XXXX from SallieMae and Navient stating they were now servicing the loan on behalf of the Dept. of Education. The letter stated there will be no changes to the terms, conditions and benefits of the existing loans.

I moved around a couple of times, retired, and I called Navient to discuss how I could repay my loans and get back on good repayment terms. The customer service representative ( csr ) recommended a forbearance or deferment period of one year. I agreed and understood my payments would resume as originally agreed upon. When I called back in a year, I was given more information about the forbearances and I eventually agreed to defer payments for a total of two ( 2 ) more forbearance years. 

I was informed that my payment of {$200.00} for 240 months would stay the same. I was also informed of income related plans but when I applied for them, I was denied. The csr then informed me that if I consolidated my loans, I would then be eligible for an income contingency repayment plan. I took the advice, consolidated my loans, applied, didn't qualify, and was denied again. I am now no longer eligible for forbearances and my repayment resumed in XXXX. 

Right before repayment, I received notice stating my payment amount had increased When I further delved into my repayment terms, I realized my payments had not only increased but an additional ten ( 10 ) years were added. 

My original loan in the amount of {$24000.00} for 240 months ( $ XXXX/monthly pymt ) has been updated to a pymt of $ XXXX/mo for 20 years ( XX/XX/XXXX ) for a total payoff of {$60000.00}!! When I called to voice a complaint, I was informed : " The 10 year Standard Level plan was the original repayment plan for your individual loans. When you Consolidate the Department of Education resets the Standard Level repayment terms based on the total balance of the loans being consolidated from anywhere between 12 and 35 years. The monthly payment is higher now because you have used 36 months of Voluntary Forbearance time. If you would like to pay your loan in 120 years, you can request that we increase your monthly payment to {$360.00} to pay the loan in full ''. 

I will be in my XXXX 's by the end of those repayment terms and would have paid double the amount owed. I was never informed of these changes when I talked to the csr. I would never have agreed to a forbearance or consolidation of my loans had I been told my loan terms would change to such a marked degree. I feel I was falsely coerced into these changes and also feel preyed upon as a trusting consumer. The phone conversations I had with Navient misled me into believing my payments and terms were still the same.