WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX  XXXX Left a voice message that it was urgent they speak to me. I called them on XX/XX/XXXX and they told me I had a debt of {$18.00} for a returned check payable to XXXX XXXX from XX/XX/XXXX. They gave ma their website info and a loginid and password. It showed an image of the supposedly returned check. It required payment of the {$18.00} " debt '' + a processing fee of {$16.00}. I called XXXX XXXX and they said they had no record that I owed them this amount or any amount, and also that they use a different company for debt collection. So this is a sham.
PNC changed the order of transactions to allow a pending charge of $ XXXX XX/XX/XXXX to pull from the avail account balance before two charges {$2.00} & {$1.00} that were pending 1-2 days prior to the {$20.00} charge and have already posted to the account. Therefore causing two unnecessary overdraft fees of {$36.00} each to be charged to my account on XX/XX/XXXX
Enhanced recovery collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.
To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts &   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with  XXXX   XXXX   XXXX  to ensure my financial responsibility moving forward.  <P/> As a courtesy, I am requesting that you send a letter to  XXXX  and   XXXX   in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e  XX/XX/XXXX  and that  has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act.   The credit reports state X unknown since   XX/XX/XXXX  b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years.   OK on the credit report mean what? I never paid for those months so where is the proof?   Missed payments? I never made payments at all. The balance remained the same until I consolidated to  XXXX  balances. In actuality I still never paid anything and still on  XXXX  a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything.      42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed.  <P/> I have consolidated all my loans   XX/XX/XXXX   with  Nelnet  and recently  XXXX   XXXX   XXXX  has my loans. The only people that should be on my credit report should be  XXXX   XXXX   XXXX  and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence.  <P/> Thanks in advance.
My husband and I submitted a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. They were supposed to respond within 30 days, but have not. Our follow-up letters have also gone ignored.
I was told to Contact you, by the office of State Senator " XXXX '' XXXX, New jersey XXXX. 

I applied for a home mortgage in XXXX XXXX, at that time and repeated times after that I had asked the loan officer XXXX lender Representative of XXXX, if I would be able to pay off the loan at anytime with no penalties or fees associated with the loan, his response was " I can pay off the loan at anytime without penalties or fees ''. 
Then, in XXXX XXXX, I was notified by a supervisor from " XXXX ' That I could NOT pay off the loan until XXXX XXXX! 
I asked why, his response was " how can we ( the mortgage company ) make any money if I pay off my loan? 
Then they made me go to a Notary and sign a statement that said as per telephone call, I will not pay off the loan until XXXX, I said what would happen if I do not sign it, they said " Then the Settlement will not take place ''. 
Under undue pressure I was forced to agree, and then signed the paper on XXXX XXXX XXXX, That I will NOT pay off the mortgage loan until XXXX XXXX. 

I feel that for some reason it is Illegal for them to pressure me to sign a paper that protects the Greedy mortgage company to make more money, taken it from me, after telling me I multiple times that I could pay it off at anytime in XXXX XXXX. 

I am ready, willing and able to pay off the Mortgage at anytime, and was willing to do so 1 week after settlement on XXXX XXXX XXXX. 

Do I have any legal rights???? Or do just the Mortgage company 's have legal rights to do and say what every they want, to make money at the expense of the consumer???????
In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.
During XX/XX/XXXXwas out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 
Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency
We fell behind on our mortgage because I had XXXX. I started the loan modificaiton process about a year ago. I submitted everything that was asked and was denied at first, then offered a repayment plan way beyond our budget, reapplied and was finally approved for about {$100.00} less than my original mortgage payment. I entered into the 90 day trial and made my first two payments on time. Right after I made the second trial payment with about 31 days left in my trial payment period I was called by my bank which is M & T Bank and advised that there was an issue with my title. They advised there were liens that needed to be cleared within the next 30 days in order for my trial period to be made permanent. We were unaware of these judgement 's but immediately reach out to clear. My single point of contact said that I was entitled to dispute them but given the short amount of time before my trial expired he did n't suggest it, he suggested I satisfy them. I was able to satisfy XXXX out of the XXXX immediately. However the attorneys for the debt collectors took almost 2 months to file the paper work with the courts and remove the judgements. The third judgement when I called I was played a recording by the debt collector stating that the judgement had expired and that if I spoke to them I would be assuming the debt and it would start over as if it was day 1. They also sent me a letter stating the same. I sent all of this information to M & T. I was advised by s supervisor names XXXX that due to the great documentation that I sent that she would stall the modification,, her exact words and that I should continue as I had been and keep making my payments which I did. I made my XXXX payment on time again and three days later they withdrew my trial modification and are attempting to put my house into foreclosure. I purchased my home in XX/XX/XXXX. I have only 5 years left on my mortgage and only approximately a XXXX balance on home that has been appraised at XXXX. I am no longer ill, both my husband and myself are working and we are trying to do EVERYTHING we can, everything we ask to keep our home that we have paid for for 25 years. I have been lied to by M & T, I have been railroaded and they are not willing to help me retain my home in anyway. I asked for them to add the balance to the end of the loan, refinance, a permanent modification, anything that will help and they absolutely refuse after I have done everything within my power to become back in good standing. Next week I will be going to the XXXX county court to try to get the XXXX EXPIRED judgement removed. That judgement is so old there is no attorney on file and I cant speak to the debt collector or else the debt becomes active again and its from XX/XX/XXXX. I do not even know that it is mine because I can not obtain proof of debt from the debt collector. I feel M & T is not helping me because of the large amount of equity in my home and that they are trying to sabotage me every way possible to take my home. Please help me and guide me in the direction I can take to try and get M & T to work with me and help me save my home.
I have spoken with the actual owner on more than one occasion, and have filed previous complaint here. Theses people will not stop calling my phone. We do not have any loans with them at all. They are continuing to call my phone. I want them to stop harassing me. I will obtain an attorney and sue for harassment if this is not stopped. The owner has assured me on more than one occasion that they would never call again, but they are still calling.
FTC Ref No. XXXX. I have sent letters, faxes and emails to Fedloan servicing. They have denied me access to their website. They can not provide a XXXX form for tax year XX/XX/XXXX, XX/XX/XXXX. I sent them information that the XXXX refunded my credit card and returned all money. I received no money from FedLoan servicing. I did not need a loan from them because I was in a certificate program.
I had a private student loan with XXXX, now known as navient after I stop attending college cause lack of funding and health issues. I started making payment on my loan which was very high. I contact their rate reduction department trying to get them to lower the payment. I had no luck. I currently unemployed living in Michigan and have XXXX school age kids to care for I receiving social security XXXX due to XXXX XXXX. Which make it difficult to walk and stand for period of time. I am not trying to get out of paying the loan back but, trying to get them to lower the payment from XXXX to XXXX each month is it anyway you can help me with this issues with them. I would appreciate this very much.
My husband incurred a {$160.00} debt for ambulance service on XXXX XXXX, 2015. I called the debt collection agency XXXX Northwest Collectors XXXX to inform them of his untimely death. They responded by saying his debt now becomes my debt since I 'm his surviving wife. I informed the agency that Illinois is not a common law state and my spouse 's debt does not become my debt. I wrote them letters disputing the debt but to no avail. Northwest Collectors has since transferred the debt to my name and reported it the credit reporting agencies and the debt is now on my credit report.
Well, I have already submitted a complaint through this medium against XXXX XXXX, but I have received yet another troubling letter from them, along with information stating that I will have funds directly debited out of my bank account. I have already cancelled my direct debit agreement, as stated in my previous complaint. If they directly debit money out of my account, I will pursue IMMEDIATE LEGAL ACTION ( already in the works ). Even more troubling, I received a letter just this morning stating that my deferment date was changed to XX/XX/2018. This bill was postmarked XX/XX/2018. This is an example of an ex post facto violation of a contract between lender and student, one which is highly unorthodox and illegal. I refuse to pay this loan company, XXXX XXXX, any more of my loans, and I demand that they immediately cease and desist any and all communications with me, and forgive the entirety of my debt because of their unfair, illegal, and unethical practices towards a consumer. I will forward any and all communications from XXXX XXXX  directly to the CFPB and directly to my lawyer, who is preparing a legal case on my behalf.
I have informed Tranunion that the following addresses are not mine or never was mine : XXXX XXXX and XXXX Please have these addresses removed from my credit file.
Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. 

Received letter from collection agency with incorrect amount. 

Copy of insurance included with the correct amount.
This is my second complaint to the CFPB, first complaint case # XXXX, regarding Navient Solutions Group. I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. It is now XXXX/XXXX/XXXX, and I am in complaint again about Navient. This company has reported me again to the credit bureaus, it was reported to XXXX Credit Bureau on the XXXX of XXXX. The information reported in error was that I was 60 days late with payment, which is totally incorrect. I filed a loan forgiveness with the federal student loan to discharge my federal student loans, which was granted more than a year ago. I filed a loan forgiveness with Navient and the request and application went unanswered. till this day I have not received the status of my student loan forgiveness application with Navient. I was told by a representative at Navient to continue to make my regular monthly payments until my application has been decided, so I did. the first I was reported to the credit bureaus it destroyed my credit. I was unable to refinance my home, I was stuck in a rut. The first time I was reported late to the credit bureaus I had made payments on those days. The damage that Navient caused was irreversible. XXXX of the credit bureaus XXXX initially removed the negative information from my credit report but XXXX never did. Since then XXXX is the only company that has kept the negative information off my credit report. Navient is detroying my credit report and I may never have the opportunity to refinance my home.
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Two to three months ago I contacted PennyMac to inform them that my income decreased and I would not be able to make a payment ( before the payment was due ), this is where is conflicting of information started. One representative told me I would have to be atleast 10 payments behind for any foreclosure procedures to start so I should be fine ( that sounded odd to me ). I called back a week later when I received an automated call from PennyMac, I spoke with a rep whom stated I would be mailed a mod packet. I was denied for the modification, we are now into the next month and I make a payment ( still one payment behind ). 

The mod rep calls me to let me know I am denied, I ask if there are any other payment options and she tells me to wait until collections commence ( which will happen after the mod denial ). I get another automated call and I call back the next rep I spoke to tells me I am eligible for forbearance, I told her no one contacted me and told me that so how was I supposed to know? She said if I accept the forbearance she would update my account and someone from PennyMac would call me in 3 business days. I am still wondering how was I to know about the forbearance if no one called, if I did not call I wouldn't have known. 

Three business days go by no call. I call PennyMac again, a rep then tells me someone should be calling me in 3-5 business. Five business days go by and no one calls. I call back to speak to a rep and she says a mod packet has been mailed to you???? A mod packet I ask, I am waiting for a call regarding something different. I don't tell her it for forbearance but I did ask her to review notes on my account and tell me what has been documented from the last 3 times I called. She said she didn't see anything noted on my account about forbearance. I'm agitated at this point and ask to speak with a supervisor, she ask me why-I TELL HER BECAUSE I KEEP GETTING CONFLICTING INFORMATION EVERYTIME I CALL!! 

Supervisor gets on the phone goes over my account and says he does see info about the forbearance being under review. He claims he called over to the forbearance department and someone will- '' WILL '' call me back early afternoon about my account. Well its the next day and I have not heard from anyone. This is ridiculous!
I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORP with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
I spoke with a man on XX/XX/2018 and asked him about this account, I told him I had no idea the account was in collections. He told me, they had the incorrect address and telephone number listed for me. I told him the telephone number has been the same for the last two years and I did not receive one phone call from the school or collection agency at all. I was told the account had been in their office since XX/XX/2018, and the only reason I knew about the account is because I went online to continue my classes and was directed to call the collection agency. I was shocked I had no notice prior to account being in collections nor after. I asked the representative if this account had been reported ( he told me No ) and did not tell me it will be reported in the future. I explained I needed to call back to speak wit my parents to try and borrow some money so this payment would not be a strain on me later. I called today once I make the payment on the account and told the representative ( lady ) that I was upset because the gentlemen did not disclose this account was due to be reported. I asked for the manger to pull the call and call back because I know calls should be recorded as well. I made the payment and told the representative a complaint will be filed because this is unfair practices. This should not be on my credit report, I did not have a chance to dispute it or make an arrangement prior to reporting this as well. I know collection agency did not make a fair attempt to contact me.