WillisBack/dataset-financial-user-claim huggingface dataset:
I am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with XXXX XXXX XXXX due to negligence from XXXX XXXX, title company and XXXX XXXX XXXX. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the XXXX to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, Book XXXX, Page XXXX mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX was not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.
The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.
These items appear on my credit report. Theses items were   discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED I  N Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  mil es away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as   XXXX   OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
I called XXXX  American Express friday XX/XX/2018 to  report charges on my card from XXXX that I didnt make. It was a total of 26 charges. XXXX told me to call back when the charges were no longer pending, well I did that on Monday XX/XX/2018 and the company asked me why I didnt call the police or did my husband make the charges. Basically I was told that I am not going to receive my money back.
This company XXXX XXXX filed a debt on my credit report after I disputed debt with them. They have even sent me letter showing proof I am disputing because they have requested more info. 
Also they have now sent me a letter offering me to pay half the debt, which makes no sense. It is not mines and should never have been put on my credit report. 
Under the law I have a right to dispute a debt.
On XX/XX/XXXX 2017 I purchased a car from XXXX XXXX in XXXX La. I found out that the dealer listed my income as {$85000.00} to get the loan approved. I only make {$36000.00}. I thought the loan company would not approve a loan out of my payment ability. The loan was approved by Chrysler capital. The dealer claims I had income I did not report to IRS. I am a XXXX XXXX XXXX veteran. I now have to let the car go. This is going against me. They did this on two cars in one day. The dealer new I was a vet drawing XXXX. They do n't even require proof of income, this seems to be standard practice for them. The second car through XXXX XXXX XXXX.
I Requested from the credit bureau experian on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file report # XXXX and Acct # XXXX.

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and it still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.
Entered into monthly payment arrangement to have all Private Sallie Mae tuition answer loans payed. Payments were not allocated across all accounts as agreed to and accounts were defaulted to do servicing error by Sallie Mae who is now Navient. Was unable to rectify over an 18 month period.
During sometime around XX/XX/XXXX or XX/XX/XXXX,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
My interest is being capitalized on my student loans unlawfully and because of XXXX 's unlawful practices. I pay my student loans based on an income based repayment plan. I received a notice on XX/XX/XXXX, that I would need to recertify my income in about two months and if the recertification was not received by XX/XX/XXXX, my payment would go up. On or about within 72 hours of receiving the notice to complete the recertification, I uploaded my application on the XXXX website on XX/XX/XXXX, and on XX/XX/XXXX, I received a notification that the application was incomplete and needed additional information. I uploaded the requested information to XXXX on XX/XX/XXXX, two weeks before the XX/XX/XXXX, deadline from the XX/XX/XXXX, letter. Pursuant to the letter dated XX/XX/XXXX, my correct application was received two weeks prior to XX/XX/XXXX, and my application should have been processed and not resulted in an escalated payment in XX/XX/XXXX. I realized I had not had a response on my income based repayment application and called XXXX as well as resubmitted my income based repayment application again just to be double sure it was received. I requested my new payment amount and was told that my application had not been processed due to a backlog of unprocessed recertifications on XXXX 's part. I asked that my payment be recalculated so I could make my XXXX payment. I was told that could not be done and a new bill could not be issued for XX/XX/XXXX and once mentioned I would be filing a complaint with the CFPB, which I have done, the call was escalated and I was told by the representative that they would go ahead and immediately process my income based request and would try to have the XXXX payment corrected, but they could not guarantee that would happen. I called at the end of XX/XX/XXXX when I noticed I had no automatic debit for XX/XX/XXXX scheduled on my account and the representative told me XXXX had placed my loans on a forbearance without my permission and the type of forbearance was a status that signified that it was due to a servicer issue. I specifically noted how that would affect me by extending when my loans will be ultimately forgiven and how this was done through no fault of my own. I also specifically asked about interest capitalization and was told that would NOT happen because the status of the forbearance was due to a servicer issue. I received an email tonight, XX/XX/XXXX, at XXXX XXXX stating that if the interest was not paid by XX/XX/XXXX, outstanding interest in the amount of {$18000.00} is going to be capitalized. I did not request a forbearance, change in repayment plan, etc. XXXX did not process my recertification application in time and placed me into a forbearance I did not request and is now going to capitalize {$18000.00} in interest on my student loans. This is unlawful and an abuse of power. I am looking for someone to assist in correcting XXXX 's egregious wrongs. PLEASE HELP!
Since  XXXX / XXXX / XXXX , I have been Disputing fees charged by Nationstar Mortgage.     I was forced to Close escrow and pay disputed fees on  XXXX   XXXX ,  XXXX  or be subject to  Breach of Contract with the Buyer.      The amounts in Dispute on my Closing Statement with  XXXX   XXXX   XXXX , are Interest owed in amount of {$3900.00}. Amount of {$14000.00} for Escrow Advances. Legal fees in amount of {$420.00} and lender paid expenses in amount of {$440.00} ; assuming legal and lender paid expenses are a result of misapplying payments and charging for an Escrow account.
I spoke with bank of america corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that Bank of America would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about bank of america and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX just keeps updating it and not deleting it off my report along with XXXX it is still reporting.
I currently have a installment loan were I borrowed {$2900.00} and am being chared total of {$7000.00} and they are deducting every two weeks directly from my account {$290.00} it is becoming heavy and can not afford for this to continue so I have tried reaching out to them and emailed and called them to see if we can break it down to one payment a month for that amount and they refused. I really want to keep my end of the deal and pay them for allowing to borrow the money even though I am paying back more than what I borrowed. But I am almost being forced to stop paying them and file for Bankruptcy I cant afford it. They are not budging either to compromise
I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the XXXX  XXXX XXXX/ XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX/ XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve  this problem for me ... it would be greatly appreciated. Thank You
Experian is reporting XXXX student loans on my credit report that do not belong there and the other XXXX credit bureaus already removed them. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX
XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Checked   XXXX   XXXX   and there is a hard inquiry fr om Cbna ( R etail, Not Elsewhere Classified ) on    XXXX   XXXX   XXXX  .  I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report
My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXXthru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
I have 4 accounts on my credit report that should have a XXXX balance. 

1.XXXX $ XXXX Closed account switched to XXXX, provided them with policy numbers .... payments were automatically deducted from my account. Opened XX/XX/2016, XXXXXXXX XXXX Company 2XXXX XXXX XXXX {$420.00} Closed account when we moved to XXXX, paid balance in full, it had to be in good standings to transfer and start a new service. XXXX XXXX XXXX  3.XXXX XXXXXXXX XXXX XXXX {$690.00}, I submitted at the time of visit all my insurance information. The bill was covered in full with 100 % medicaid.XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX {$45.00}, again, should have been billed to medicaid.XXXX XXXX XXXXXXXX XXXX
My Complaint is against the Collection Bureau of Kansas who also goes by the possible alias? of XXXX XXXX XXXX Attorney at Law. I have been having trouble with that office for years ie complaints to XXXX, BBB, local courts and now have taken a step to contact the Missouri Attorney General as well as the Kansas Attorney General. The complaints are from a-z ie continuous and overwhelming phone calls from that office a few years ago to now having a judgement on my credit that has now effected my opportunity to get a lease on a townhome. I decided I would submit another complaint through here in hopes to help other families that he has had a negative impact on and to hopefully draw in an investigation on what goes on in his office. I have been in communication with his office too and have had very poor Customer Service as well as dishonesty and a hint of corruption. His office says they do not buy debt but XXXX XXXX XXXX ( XXXX ) who is now XXXX XXXX ( XXXX ) says he bought the debt when the hospital was bought out and it is out of their hands to help. I would like to see an investigation into this company and its practices. There are so many details I could share via documents, notes from conversations and emails that point to an office that is causing more questions than answers. His office has now garnished more than the original amount owed too. Is there not something that CPB can do to change how Medical Debt is handled and how collection agencies like the Collection Bureau of Kansas aka XXXX XXXX XXXX operates or if he can even legally operate in this way?
I sent 2 round of dispute letter to XXXX, Equifax, and XXXX  to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Around XX/XX/2017, my car was repossessed for non-payment. I was not notified of what would happen after the repossession as far as if my car was sold to an auction, if i had a remaining balance, but they were so eager to call me ten times a day harassing me for payment. I am sure that there is a law in Florida for this. My car was repossessed twice by these people, Santander/XXXX. I told them that I was having financial hardship. Customer service XXXX. They are reporting two different amounts due, which I will be showing proof of. It is making my credit score look terrible and this needs to be resolved.