WillisBack/dataset-financial-user-claim huggingface dataset:
Planet Home Lending continuing to give me a hard time about the mortgage. I called recently, and asked about how much it would be to do a PAYOFF. As I had a buyer interested in the property. They had already begun preforeclosure. 
I was told I simply had to fax them a letter stating I would like a PAYOFF quotation. That was on Friday. Today, I called to get the quote. They said it takes 3 to SEVEN business days to get a quotation. We go to court on the XXXX for the foreclosure hearing. 
Ever since I became the administrator of the estate, Planet Home Lending has tried to foreclose on the house. 
One time, they took money out of my account and put it back in the next day so they could later say I was behind on my payment. Also I got behind on payments, they said they would work with me. They sent me a form to fill out, but DOUBLED the monthly premium. saying I had to pay that amount BY LAW, to cover lawyer fees. I asked them to extend the payment out, but they said BY LAW they could not, I tried to pay the DOUBLED amount but could not. They began the foreclosure process.
Checking account with Bank of America was debited for XXXX transactions that came from an expired billing agreement with a fitness center. The billing agreement lapsed and the company has no right to bill me. Bank of America has tacked on numerous fees after I was unable to reach anyone at Bank of America to dispute the transactions. The transactions which caused these issues are not valid and as such, the penalty fees are not either. I dispute the validity of the negative balance and challenge the debt as invalid.
I assume the calls are coming for a collection company overseas. When they initially contacted me it was during hours I was working and I asked them to send me something in writing and after that they continued to call me the same day after I had identified myself. I will speak with an agent and after hanging up they will flood my phone with calls after calls all day long and when I pick up there will be dead air. This is annoying and harassing because I am not avoiding them. The agents refused to hear me out I have asked them to stop calling me and even blocked their number and they contacted me from a different numbers. Today I decided to speak with someone and try this again. The guy kept talking over me wouldn't let me explain to him why I hadn't responded which was because I had moved and I hadn't gotten the letters but he kept cutting me off and started getting very agitated asking me do I intend to rectify this debt I have had long enough.. I tried to ask him what address he had but he continued to talk over me wouldn't verify the address they had on file for me. I told him I won't continue this call he is being rude and to not call my phone again or I will report him to the XXXX he said go right ahead and I ended the call. Because I realize that I possibly do owe this debt I called the company back and got someone else who also became with defensive and talked over me. I asked her to email me the bill and within 1 hour got another call from the company and it was just dead air. I feel like they can't understand me when I am talking, that maybe they have been trained to be aggressive. I don't want to deal or give money to anyone that treats me that way I would rather deal with the hospital. At the time I went I was in a financial crisis but situations are better now.
My credit report is not right and old accounts are still there and I want it off my report even old inquiries I want off of there need to be removed time is of the essence
I have reached out to XXXX XXXX several times asking them to provide me with Validation of this item belonging to me. After making a complaint they sent me this XXXX XXXX Customer Agreement. I have also disputed this account several times with the Credit Reporting Agencies. Please contact the credit reporting agencies and remove this from my credit reports, It is affecting my credit score and hindering me from purchasing a home. 
Look at the .signature this isn't my signature, Address, or correct name as appeared on my license The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX XXXX also Put this account back in collections on my credit report. XXXX XXXX XXXX
I have had my student loans through XXXX and now Navient since 2006! My loans have collected interest over time at an alarming rate, due to my inability to pay them, despite several attempts to get on some sort of affordable payment plan. Despite my attempts at paying something affordable, I have never been told my options for affordable repayment. Navient/XXXX has harassed me by repeatedly making phone calls to me regarding my loans, repeated phone calls daily to my cell phone during working hours, calling relatives, even going as far as to contact my brother 's wife 's mother- whom I do n't even have her phone number!!! Navient told her information about my account being past due and even continued to call after being asked to stop. I have no idea how they obtained her phone number! I have asked repeatedly for help on these loans but am only given the option of forbearance, or told if I wanted to get on a repayment plan I had to pay over {$1000.00} right away in order to do so! I have also been forced to pay the. " Right away '' in order to get my into forbearance. They have also asked if I wished to place my accounts into forbearance through automated text messaging, without first validating any personal information about me or my account. This company has prevented me to ability to purchase a home for my family, leaving the XXXX of us stuck in a XXXX bedroom apartment. I am sick of the unprofessionalism, the impossibility to be able to ever pay back these loans, the unwillingness to work with me to lower payments and the constant harrassment!!!! I will likely never own my own home just because I wanted to get an education and have been lied to and coerced and mislead by a company I had trusted with what is now {$80000.00} of debt!!!
On XX/XX/2015, I received a collection notice from RMS ( Receivables Management Systems ) for XXXX : Account:XXXX stating that my account was delinquent and XXXX placed the account with RMS for immediate attention. RMS claimed that despite XXXX numerous requests for paymennt that I allowed my account to become seriously past due and payment of this balance will allow RMS ( collection representative : XXXX XXXX, extension XXXX. XXXX or XXXX ) to cease further collection action. XXXX XXXX never contacted me by either mail or telephone stating that I had an outstanding balance of {$46.00}.
On XXXX AscensionPoint Recovery Services, LLC. sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XXXX and requested that they conduct an investigation and to send me the results. 

On XXXX I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX the FDCPA and the Texas XXXX XXXX.
I get a letter in the mail roughly around X/17 saying that I had a {$510.00} balance that was sent to collections for a medical bill I do not recall ever hearing about. This is now showing on my credit report as " placed for collection '' when I had only received 1 letter and zero phone calls about.
I have a XXXX and an XXXX, and I have accumulated about {$150000.00} in federal and private student loans, of which {$45000.00} in private student loans have become a big problem to repay. I am unemployed and have very minimal income. I have exhausted my deferment, and I was refused to get on the income-based repayment plan or MGRS- modified graduated repayment schedule. 

My servicer is XXXX and the holder of my student loans is Access Group. Both refused to provide me with an income-based repayment plan, and here is why- I was on the income-based repayment plan but still had a hard time making payments. XXXX ' representative offered me a deferment for three months ( which would exhaust my deferment ) and then get back on MGRS. My three-month-deferment just ended. To my surprise, following the deferment period, XXXX advised me that the MGRS is not an option for me anymore because I can not go on and off it, and there is no other repayment option. 

Had XXXX associates been properly trained and provided accurate student loan advice to me in the first instance, I certainly would not have canceled the MGRS just for 3 months. I would have stayed on the MGRS. Clearly, my choices have been made based on false information provided to me by their servicing center. 

Now, I am without income and in a worse repayment position than I was prior to deferment. It seems nonsensical to me that I can not use an income-based repayment plan. I do not believe that XXXX and Access Group are providing me with accurate information. 

Please help me get back on the income-based repayment plan. 

Thank you, XXXX
I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.
I have fallen behind in my payments to Americash loans due to pay shortages. I have faithfully made payments until recently when the ultra high payments have been too much to handle ( approx. {$380.00} every 2 weeks total of $ XXXX monthly ). 

They have been calling my workplace from XXXX and demanding call backs. I will attach photos of my phone for your viewing. This has caused me much embarrassment with my staff, and has disclosed the fact that I am behind on my payments and being collected on.
I have disputed  XXXX   XXXX  with the balance of  XXXX  several times thisd is not my account I was not in lease I was an occupant only it needs to be removed
On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.
I had a hospital bill that I disputed with the hospital. I was told to resubmitt the bill to my insurance company, my insurance company paid the bill with leaving me a smaller balance. I started making monthly payments on the bill, when I was contact by this debt collector attempting to collocet the orignal full amount. I explainded to them that the amount was trying to collect was incorrect.
On XX/XX/XXXX a letter I sent to Capital One requesting validation of an account was signed for and received. Capital One did respond on time however, they failed to provide to me proper evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to them. In addition I have proof Capital One did not furnish the credit bureaus with the required disclosure, within the period required by law. Capital One is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. I  sent a follow up letter to Capital One notifying them that they had not complied with state and federal laws and it was signed for on XX/XX/XXXX. Capital One 's response was a letter to me asking me for more information such as an account number and full social security number thus proving that they can not validate the account they are reporting. Since Capital One has not been able to furnish orginal signed contracts with my name and has been in violation of state laws I am asking they remove the trade line from all 3 credit bureaus. I have attached copies of letters and receipts from Capital One.
I purchased  XXXX  gift cards issued by USBank from a  XXXX  on  X/XX/2017    at  XXXX   XXXX  CST. I loaded each with a value of {$500.00}. I have receipts and activation status receipts. I attempted to use the cards on the same evening at approximately  XXXX   XXXX  CST. None of the cards worked. I called USBank on  X/XX/2017    and was informed these cards were registered to a company I had never heard of. The cards were frozen with the original {$500.00} each. I was asked to fax my receipts, SSN, driver 's license, and card numbers to USBank and was promised a response i n four ho urs. After no response, I called and was told to call the next day. I called on  X/XX/2017   , and was told not to call again. They will call me later that day. I never received a call. On  X/XX/2017    I called and was disconnected. On   XXXX     2017 I ca lled and was told the matter would be resolved in  10 bu siness days. I called afte r 10 busi ness days and was told the matter would be resolved in 90 days, and that I should not call again. I called on  X/XX/2017    and was told the matter is under review, and they can not help me. So I 'm filing this complaint.
Receivables Performance Management LLC ( RPM ), a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to collections with RPM. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on, all of which were in use at the time of loss. XXXX XXXX has sold the debt associated with my account to RPM for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by RPM I would like full forgiveness of the debt by both RPM and XXXX XXXX along with updated credit reporting data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to the California Public Utilities Commission ( CPUC ).
The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and Experian. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans
After several weeks of submitting more and more information to Bank of America to secure a conventional loan, with one-third down, we were denied the loan - the reason, insufficient cash to close. At the time we needed {$45000.00} to close and we had {$60000.00} in a savings account at XXXX XXXX. We paid cash for the house 6 days after we were denied loan. We feel that there other reasons for denying the loan and would like to know what they are. We are XXXX and XXXX years of age and are wondering if any age discrimination was involved, or if we were denied because our savings account was at a different bank.
On XXXX XXXX 2016, I had XXXX fraudulent charges to my credit card. That card was cancelled, and the credit card company applied the appropriate credits. But after the card was cancelled, I received four other credits from XXXX merchants. Those credits were not automatically applied to my new credit card. I 've now called 5 times, and only one credit has been applied. The other XXXX credits were applied as CHARGES to my new card, which still has n't been resolved.
Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!
This debt collector has been assigned to collect a debt for XXXX/XXXX that is involved in an FBI fraud investigation for a year and half now. I have sent this complaint to you about XXXX and you have DONE NOTHING. Now they have sent this to a debt collector. I wrote them back with supporting documention which includes my FBI Victims Letters and the XXXX banks that have released me from XXXX fraudulent accounts in my name. 

You as the CFPB have done NOTHING to protect the consumer, you have done EVERYTHING to protect the credit card company. I 'm not sure what you people do n't understand, and it 's obvious I 'm a victim or the FBI would not be involved I expect you to do something this time and have this creditor along with XXXX quit harassing me and call the FBI which they have NEVER done and release this debt and take it off my credit report as a charge off They have ruin my once STELLAR credit.
this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017,  and that you were listed as a potential victim
DYCK O'NEAL, an unknown company to me. This company and I have have never communicated in any shape or form whatsoever, BUT yet, they have reported to the Credit Reporting Agencies ( CRAs ) that I have an outstanding debt of {$370.00}. As aforementioned, I am privy to NO communication whatsoever with this company. Accordingly, this company must immediately delete this negative account from my account.
CITI closed my Home Depot credit card without prior warning. The account was in good standing, payments were set on autopay. I 'd been a loyal customer for many years. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
The lender has refused to postpone the foreclosure sale to allow the client time to refinance her reverse mortgage loan - They have not provided the client any resolution options prior to the XXXX sale being active.
XXXX XXXX XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified.

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same.

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. 

XXXX XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
On  XXXX   XXXX ,    2017  I opened a citibank checking account under a promotion that required an opening deposit of {$15000.0 0} ( and keeping a balance of {$15000.00} for 30 days ) +  either  XXXX  direct deposit OR {$250.00} in debit card purchases within 45 days. On  XXXX   XXXX ,    2017  ( the last day of my 45 day s ), I made   XXXX   pu rchases with my debit card (  XXXX  ) receipts are attached. I went into a branch between those  XXXX  purchases to ask if that would be a method to fulfilling the promotion requirements. I was assured that I would qualify.     The promotion was NOT advertised as the purchases needing to post ( as stated in their investigation let ter ), I wa s assured by a branch representative at the  XXXX   XXXX   XXXX ,  XXXX   XXXX  branch that I would qualify ( there should be a record of my visit because I also came in to reset my password and they looked up my charges and told me to make the additional purchase before  XXXX  PST/ XXXX  EST, the purchases showed pending, I 've also attached a copy of an email with a citibank representative that acknowledges that at least the  XXXX  purchase was made on  XXXX / XXXX / 2017 .     The investigation letter is counter to the earlier email that acknowledges the {$140.00} purchase being counted as being made on  XXXX / XXXX / 2017 . The additional {$150.00} was made in the exact same manner, PLUS after getting confirmation from a citibank branch representative that the earlier charge was being shown.     The actions of citibank DO NOT line up with the terms advertised, contradict themselves and seem intentionally misleading.