WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX DCI credit services was recovered a Judgement against me for collections. I had paid {$180.00} at that time. I was then XXXX from XXXX in various XXXX, XXXX and XXXX until my release in XX/XX/XXXX. During that time I had no real income or contact from DCI credit services nor have I received any contact from them prior to the wage garnishment. I have been living in XXXX since my release and attending college and during the off time have been filing for deferment on my college loans. I have not received any contact from DCI credit Services until I received the letter stating that my checks will be garnished in the amount of XXXX % to pay off a remaining balance of {$3600.00} for debts owed to XXXX College and XXXX in XXXX XXXX. Student loans are not in collection or in repayment while in school or is under a deferment which I have been consistently registered and attending XXXX College and XXXX College, the times I was not enrolled I was under deferment. DCI Credit Services did not contact me at any time between XXXX and the time of the Garnishment. They said they sent XXXX letter out in XXXX ( never specified which ) in which I did not receive. The supposed debt form XXXX care show up as closed in my credit history report as of XXXX of XXXX. Yet they are trying to collect on a closed debt. I had no contact from XXXX until the present garnishment was put into place. I had contacted DCI credit services to see about having the percentage lowered from the max of XXXX % per paycheck and was told they can and will not lower it.
I closed my XXXX account because they refused to remove incorrect charges from my account. Ie phones I paid for in full with cash. At the time I closed it. 3 years ago there should have not been a balance. This is a lame attempt to collect something never owed.
Good Afternoon, I am having trouble getting a feasible repayment plan for 4 of my private student loans through Navient. I had filed for bankruptcy in XX/XX/XXXX, however my loans were not discharged although I was, and still am, experiencing financial hardship. These particular loans are in default and were sent to XXXX  XXXX by Navient for collection. I had tried to set up a repayment plan with Navient back in XX/XX/XXXXand the only options given were very unreasonable! Who can afford to pay $ XXXX $ XXXX/month. I offered to pay $ XXXX/month until I was financially stable enough to pay more. That was denied and the Navient customer service representative YELLED at me and very rudely told me that that would be my only option unless I put at least {$1000.00} down first to then be able to apply for a repayment plan. I told him I could not afford to do that, but could definitely do the $ XXXX/month. After he told me once more that they would not accept that amount. I told him I really didn't have anything more to give. He told me my loans would then be in default. Since then, I have been paying $ XXXX/month to XXXX XXXX ( not a lot, I know, but I also pay Navient about $ XXXX/month for two other loans ). I called Navient, who then transferred me to XXXX XXXX yesterday, and the only options given for repayment were to settle the loan for roughly {$21000.00}, which I can not do, or put down 10 % of the loan ( {$8300.00} ) to qualify for their repayment option of $ XXXX/month. I am just stuck and am really trying to work on my credit and get some of these loans paid down. I currently owe Navient {$180000.00}, which is mostly just the interest. I just need a reasonable repayment plan and someone to just work with me! I can barely afford to support myself and daughter and all of these loans spiraled out of control over the years. I would love to be able to go back to school to finish my degree, but am unable to affrod to pay out of pocket and clearly can not get another loan to do so. please help!
I took out a loan with XXXX in XX/XX/XXXX. I made a payment of {$180.00} in XX/XX/XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing me.
In XX/XX/XXXX, my wife and I purchased XXXX XXXX XXXX at in XXXX Ca, and I worked with XXXX from US Bank to obtain a lot loan. XXXX with XXXX XXXX XXXX performed the appraisal of my property for U.S. Bank. After the appraisal results were obtained I disagreed with XXXX findings and expressed my feelings to XXXX and US Bank via telephone. I told XXXX with US Bank that I did n't want to conduct business with XXXX or XXXX XXXX XXXX in the future. XXXX said XXXX would not be conducting future appraisals on my property. 

In the beginning of XX/XX/XXXX I applied for a new construction loan from US Bank for my property. I provided the new construction documents and building plans to US Bank and once again my documents and lot were appraised by XXXX XXXX against my wishes. I submitted a complaint to US Bank representative XXXX XXXX advising that I had a conflict with using XXXX XXXX as an XXXX and did not agree with his conclusion. My complaint was never resolved and US Bank proceeded with XXXX XXXX 's appraisal. 

On or about XX/XX/XXXX, I worked with US Bank to consolidate my new construction and lot loan for my property. Once again my property was submitted to be appraised by XXXX XXXX against my wishes. I spoke to XXXX and XXXX with US Bank on the telephone and via email to reiterate my disappointment with them using XXXX XXXX for my appraisal. I specifically told them that there was a conflict with using XXXX as an XXXX because I was already disputing the last appraisal that XXXX XXXX submitted. Initially XXXX said he would have another company conduct the appraisal and suggested that I work with XXXX of US Bank to resolve my appraisal dispute. I explain my dispute with XXXX and he stated that he spoke XXXX about my conflict and also agreed to have another company perform my appraisal. After several weeks of working with XXXX and XXXX they both later recanted their statements saying they were not allowed to move forward with another appraisal company. 

XX/XX/XXXX, I worked with XXXX to apply for a home equity line of credit with US Bank. On XXXX I received a call from a representative from XXXX XXXX XXXX, asking, " When would it be a good time to have XXXX appraise your residence ''. I stated to the representative that I did not require their services. Once again I contacted XXXX and told him that that XXXX was recommended by US Bank to appraise my residence. I told XXXX that I was submitting a formal complaint and XXXX asked me to send him an email and he would resolve this issue and have another company complete the appraisal. XXXX subsequently scheduled another company which is now scheduled to complete the appraisal XX/XX/XXXX 

Please explain how XXXX XXXX can legally get the business to appraise the same property XXXX times in a XXXX year period? Please explain why this is not a conflict of interest. So much for a " XXXX pick of appraisers '' from banking industries.
Transunion is listing an account from XXXX XXXX XXXX. I disputed the account as invalid. I owe no money to anyone. Please delete this account ASAP.
On or about 2006 it 's been a long time now my wife and I financed a car through prestige financial services Inc a XXXX during this time we were residents of XXXX az. When the economy tanked we lost everything as many did including XXXX in 401k and this car our home everything even our job. We moved back XXXX lived with family and began the painstaking process of rebuilding this company has never let us rebuild they have haunted tortured threatened cost me a job where I was working a couple years back. And after well over ten years and not hearing from them for three of those they out of the blue send a garnishment to my new employer.in XXXX where garnishment for a car is not allowed! I spoke with the state attorney General today they are stopping this garnishment but the damage this has done with my employer is done. I was up for promotion now?
Hi, I obtained my XXXX XXXX XXXX, and subsequently accrued over XXXX in student loan debt with XXXX/Navient as my servicer. I took out the loans in XX/XX/XXXX, and I graduated in XX/XX/XXXX. Immediately after graduating I was unemployed so I was not able to make the incredibley high payment of almost XXXX a month. XXXX/Navient pushed me into forbearance and offered me no other options. I had a difficult time making payments for a full year and they pushed me into a bigger hole with higher interest rates and more debt because of constant forbearance. Since, I have a good job and make decent money, but my payments are still almost XXXX a month. I am able to make my payments, but I am now a home owner with a baby on the way. Navient will not work with me in any way. I have noticed that even after paying my student loans on time, every month, for years, my student loan Balance is pretty much the same as it was in XX/XX/XXXX. It appears as if some of my payments were n't applied to their respective loans, and suddenly vanished, on several occasions as well. Navient is a bunch of crooks and I do not know what I can do at this point. I have tried to consolidate to other companies but I have been turned down. Probably because Navient ruined my credit, and I have had a XXXX XXXX to build it to a decent score. Please help me
I am continually harassed by a company stating that I owe on a lease to own. Over 8 calls a day for 3 weeks now. I paid for the item on XX/XX/2016. I finally called back and I was told I was a liar and was repeatedly yelled at on the phone by a " XXXX ''. I will not be bullied for something I do not owe. I contacted the original creditor and they confirmed it was purchased.
BBVA Compass has failed to honor a Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Between XXXX XXXX & XXXX XXXX 2017, BBVA Compass has deflected, obscured, obfuscated, delayed, and been generally non-responsive when presented with the Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Whether through negligence or willful & malicious intent, BBVA Compass and their representatives, agents & /or assigns have failed their fiduciary responsibilities related to the account of XXXX XXXX XXXX XXXX
Convergent Debt Collectors is reporting a debt of {$1500.00} dollars on my credit that is not my debit. I did not have any service at the time.
UMB Bank is the banking institution that administers my XXXX Savings account. I have been getting charged for monthly fees that I was not aware of and the money in my XXXX account has dwindled down going to the bank. UMB representative said i could have avoid the fees by optioning for the paperless statement. UMB has it mention on the statement but never put a website or link on the statements. The statements does n't the UMB address and the phone number is very inconspicuous. The statement is very nebulous. The account is setup to not give you any detail information and to drain your account with frivolous fees.
To whom it may concern at CFPB, ( please attach to last complaint of XX/XX/XXXX ) Bank of America is now stating that they need 60 more days to respond, on top of the first 30 days? These questions are very simple : 1 ) Why did the XXXX separateflood and hazard dwelling values show {$10000.00} differences for yearswith no change but after the hurricane the flood premium increased and then years later after thatthe hazard premium decreased? Where is the information or documentation supporting these changes coming from? 2 ) How are these changesof growing differences ( on our bankforced mandatory policies ) of dwelling values affecting our New York Rising grants for repair and elevationwhere the true value of the dwelling is beingscrutinized continuously after the storm, and why has our grant determination held continuously at the hazard premium 's dwelling value level ( the lesser value of the XXXX premiums ) when it should be more in-line with the flood premium 's dwelling value ( because the damage was flood related, not fire related )? 3 ) Why did the hazard dwelling value change for XX/XX/XXXX and not change back in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, whichfollowed the first years after the hurricane damage, and caused us great distress at the higher premium fees, while trying to survive in a damaged home? 4 ) Why is the telephone number at the bottom ofour bankforcedhazard insurance declaration page answered by a Bank of America employee and not get answered by the company holding the hazard insurance policy? 5 ) Why was Bank of America able to change insurance companies for us while the home is still with damages when every insurance company we spoke to in hopes of getting a lower policy told us we could not change companies/policies until the damage is fully repaired? 6 ) If Bank of America truly wanted to assist this homeowner with regaining a healthy, elevated home that would decrease their mandatory policy premiumsplaced onus, then why do they refuse to endorse our FEMA Review damages check? Where does Bank of America get the power to decide our total losses - even the ones covered under their forced flood dwelling policythat arenon-attached items covered under the policy within the house and not part of the structure of the house? Who told them what was damaged? Where didBank of Americaget their info/data, total damages list from ( to the point where they think they have right to hold our damage repair check and hold up our progress? 7 ) Has Bank of America decided to repay us for offsite temporary residence rental feeswhile the house and projectsits in mid-state of project work until they decide to release and endorse the FEMA Review check? Do they understand our temporary residence rental fees are twice what our mortgage fee is every month? Are they purposefully determined to cause us to live on the street and lose our home too while they claim FEMA Reviewcheck sent to us? Do they even know what FEMA Review dollars represent? If they did, they would not have refused to endorse the FEMA Review check at their branch last week.
Received a note in the mail from Transworld Systems , Inc. They claimed that they sent me a letter in the mail about a toll charge that was not paid in XXXX. I never received the letter because they sent the violation letter to the wrong address. I offered to pay the toll charge and they insist in charging me XXXX over the XXXX for not responding on the letter that they mailed to the wrong address. They don't seem to want to accept their mistake. My account with them has been put under dispute. I would pay the toll with no problem but a XXXX violation for not receiving a letter or knowing that my XXXX didn't ready when crossed the toll bridge is unacceptable. When you can them to try to solve the issue they are rude and disrespectful on the phone.
My loan has been under 78 % LTV and I have requested in writing twice for Wells Fargo to drop my PMI coverage as the Homeowners Protection Act of 1998 states. They refuse and state I have to have it for 5 years. I have been under 78 % for more than 3 years. They state I have to be under 78 % and seasoned 5 years.
XXXX : Capitalone credit card # XXXX I have had this card for approximately 2 years. Have never had a problem paying my bill on line. I have never been late with a payment. Actually I have never been late with any payments on any credit card, my credit report will reflect this. On Saturday XXXX XXXX, XXXX I went to my computer to pay my bill. It generally takes 1 to 2 minutes. I was short on time and was expecting my grandson. I went to Capitalone website, logged in, but site indicated a problem with ID or password. I tried several times. But was not successful. I called customer service, spent time discussing the situation. Finally customer service walked me through the process. We determined together that there was not an issue with ID or Password, BUT Capitalone put me through the procedure of claiming there was a problem in order to get information. Before I could access the site and pay my bill I had to answer 2 questions. # 1 What was my income? and # 2 Where was I employed? I asked to speak to a supervisor and we discussed this AGAIN! I was upset at the way Capitalone set out to obtain this information. The supervisor agreed. Capitalone lied to me, or at the very least misled me to believe there was a problem with ID or Password and prevent me from paying my bill and wasting my time. I can understand Capitalone wanting information and if they do not receive that information, they would have the right to cancel the credit card. My arguement was the rude, inconsiderate, phony and insensitive way they set out to obtain that information. I believe I should have been notified with a letter or email or on my paper statement, or when I went to pay my bill at the website, there could have been a note there requesting information they were seeking. Again, that was a very poor way to treat a customer/consumer. The supervisor wrote up a report and said she would discuss with a resolution person (??? XXXX. The supervisor put the resolution person on the phone and asked me to explain the situation to her. My XXXX XXXX was getting a workout!!! I had just spent a considerable amount of time discussing entire situation to customer service representative and supervisor! I was being asked to repeat that again??? I have removed their credit card from my wallet and will no longer use it until I receive a satisfactory explanation and apology. If I do n't receive that explanation or apology I want my accounts with Capitalone to be terminated.
On XX/XX/2018 I purchased a new vehicle from XXXX XXXX XXXX off XXXX XXXX in XXXX. The sales man called XXXX XXXX XXXX to get my payoff on that day which was {$12000.00}, but failed to inform me they did not process the payment until XX/XX/XXXX. Causing more interest to acrue on the loan making it that they left a balance of {$150.00}. That balance then continued to increase with late fees until they FINALLY paid the account down to {$0.00} on XX/XX/XXXX. Not to my knowledge until XXXX called me saying the payment was late in mid XXXX was I aware of this, I immediately text the sales agent and informed him, he said he would get right on the matter and assured me again the issue was handled and he would overnight a payment to XXXX. It was not till middle of XXXX that I reviewed the credit report and saw the late payment on my credit report. I have since called XXXX and XXXX XXXX XXXX multiple times. Some of the representatives say they are helping and will have it removed, while others have said that they can't resolve the issue and transfer me to another department, I have exhausted all other resources, as I would have liked them to resolve their mistakes. I have never had ANY late payments on this account.
Hi I live in XXXX XXXX California at a company called XXXX is advertising 100 % financing on purchasing a home the down payment will be from a personal loan up to {$100000.00} that they lend you plus the mortgage which is 100 % financing is that still legal I thought those loans were not legal anymore
I ran my free credit report today. It shows credit card, CBNA, with revolving terms, opened XXXX XXXX, 2016. I DID not authorize and suspect attempted ID theft. How do I get rid of this and prevent this from happening again?
The collection agency ( Seterus ), failed to advise me that my mortgage statement would be mailed to me late ( XX/XX/XXXX ). The mortgage payment is due XX/XX/XXXX. Late payment date is XX/XX/XXXX. 

I called Seterus XX/XX/XXXX, to verify that they sent my mortgage statement to my address. According to the representive for Seterus ( XXXX XXXX ), Seterus discovered incorrect data on customers mortgage statements and that mailing would be delayed. I asked XXXX XXXX why Seterus did not advise it 's clients about this problem to avoid late fee 's and damage to credit scores. XXXX XXXX told me that Seterus is not responsible in advising clients of this issue. I than filed a complaint with Seterus on this issue and I asked to talk to a supervisor. 

The supervisor I talk to was, XXXX XXXX for Seterus. According to XXXX XXXX, " Seterus is not required to send mortgage statements to it 's clients. If the client has an account set up, the client can access account on-line and find out what thier payment is. " According to the Dodd-Frank Act, XX/XX/XXXX ; The new rules are designed to protect consumers by : providing borrowers with better information about their mortgage loans providing borrowers with assistance if they are having difficulty making mortgage payments, and protecting borrowers from wrongful actions by mortgage servicers. 

The new rules require mortgage services to : Send Periodic Billing Statements. 

The mortgage servicer must provide a written monthly mortgage statement to the borrower. 
-The statement must show : the amount currently due ( including how much will be applied to principal, interest, and escrow ). 

-The total of all payments received since the last statement-How prior payments were applied-Transaction activity-Partial payment information-Fees or other charges to the account-Account information ( such as the outstanding balance and interest rate ) -Contact information for the servicer and housing counselors, andinformation regarding delinquencies ( if you 're behind on payments ).
I cannot close my short sale without the Assignment of Mortgage from this lender after short sale has been approved on XX/XX/2015. Me, my realtor and law firm company called Green Tree Servicing and left several messages requesting this to be done but nobody is helping us. My bayer is telling that they will walk away from the house if don't close by XX/XX/2015.....Not sure what to do !
An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!