WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I was contacted by phone by a collection agency seeking payment of a debt owed to A XXXX for counseling services. The agency would not identify themselves by name - only the fact that were attempting to collect a debt on behalf of A XXXX XXXX. The caller stated that I owed {$140.00} and requested immediate payment by phone. On XX/XX/2017, I was contacted by phone yet again by a representative of a collection agency who failed to state the name of the agency but were asking for immediate payment of {$140.00} on behalf of XXXX XXXX XXXX. XXXX of all, the amount owed to A XXXX is {$75.00}, not {$140.00} and I stated that I disputed the amount of payment that was being requested. A Beautiful Mind did not give me any written notice, such as a 10 day letter, advising that the debt was going to be turned over to a collection agency. The collection agency can not collect an amount greater than what is actually owed. Despite the fact that I was first contacted by phone on XX/XX/2017, the collection agency failed to " within XXXX days after contacting a debtor '' provide any written notice or the opportunity to dispute the debt. In fact, the collection agency would not even give their agency name - only the information that they were attempting to collect {$140.00} for A XXXX. The only way the collection was tracked was by the phone number that appeared on my phone. Not only is the collection agency being deceptive, but on their second contact of XX/XX/2017, they once again failed to send written notice of the debt within the required 5 days. The original creditor and the collection agency are both in violation of the FDCPA.
My late Father executed a Security Deed for a residential property. Now which was duly recorded. Upon my Fathers passing his longtime female companion remained in occupancy of the home and continued payment of the mortgage to cover her permitted occupancy. We were informed that the mortgage was sold. As Executor of my Father 's Estate, I established contact with the Mortgage Company. They refused to provide a status of the mortgage account despite my presentation of a probated Will, proof of Executors authority and all other pertinent instruments to confirm Plaintiffs authorization. A Check for the mortgage which was cashed and not accounted. Additionally, another Check was returned by the mortgage company refusing to accept payment. They have subsequently sued the Estate to begin foreclosure proceedings one year ago. Recently, I received a letter and a check from the mortgage company for a refund of Escrow claiming that I requested it. That is a confirmation of their inaccurate accounting and wrongful actions as I nor anyone authorized requested a refund. The mortgage company 's actions violate the right of myself and siblings who are beneficiaries of the Estate for that reason I ask for your immediate investigation.
This second loan was included in our Chapter XXXX. The court documents show that this loan is to be avoided upon completion of Chapter XXXX. We have completed and received our discharge on XXXX 2015. The loan servicing company America 's Servicing Company which I believe is a Wells Fargo company has been sending me statements and bills up to this date. They have been reporting this account as a charge off to credit bureaus. This is clearly a violation of the bankruptcy discharge injunction.
I had a Ch  XXXX  bankruptcy discharge on  XX/XX/15   .  Continental Finance c redit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts m y credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They co ntinue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  bureaus  )  states differently. I 've also disputed through the credit bureaus and  XXXX  -Continental Finance sen ds them false bank account information.
I have Barclays Credit Card that I regularly make payment to through my bank 's bill payer service. I have made regular payments for the last 2 years without a hitch. However, in XX/XX/XXXXof this year, I started receiving telephone calls from the customer service department of Barclays demanding payment. I explained to the individual that my payment was sent via my bank as I have done for the past 2 years. Every 2 weeks since I have received calls asking me to pay the minimum due. I explain to the rep that I have made the payment as I have previously done, so please check you records. I have submitted information from my bank showing that payments were sent and cashed. My bank also sent Barclays a copy showing the checks sent were cash. On XX/XX/XXXX I  received a letter in the mail stating that my account is delinquent and my account was canceled. I called Barclays immediately and after explaining my issue was left on hold until there was no dial tone on the line. I called back and in an effort to minimize the conversation, I asked the new rep to review the notes. She was able to locate the prior notes but notice no movements on the case. I have made 4 payments since the beginning of the year totaling {$3000.00}. There 4 payments in total but they have only credited one to my account. They have cashed all 4 checks and both I and my paying bank have provided proof the payments were sent and cashed. I called again today, XX/XX/XXXX, and went over the entire experience with the CSR yet again. After the phone call, I called my bank to confirm once again that the latest payment was sent and cashed. When I called Barclays back, they couldn't even locate any notes from my prior call. I am concerned that they have misappropriated {$2600.00} of my money and are reporting negative information to the credit bureaus.
I signed up for a Citibank gold checking promotion that offered XXXX miles XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I called citigold service once and talked through online chat to Citi twice to confirm that I had successfully completed the Citigold checking promotion. And the citi representatives had confirmed that I 've got the offer and need to file further investigation in order to reply the details, but I never got the reply since the representatives said they had replied me, and they filed a investigation again. My account has fully completed the requirements for the XXXX XXXX miles from the promotion I signed up for the citigold checking account. With the XXXX bill pays and {$1000.00} debit transactions completed. The airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account.
Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '
Navient recently took over servicing my loans from XXXX. XXXX has always handled my loans as XXXX separate loans with different payment schedules. The prior servicing company, XXXX Bank, did the same. XXXX of the loans is subsidized and XXXX of the loans is not subsidized. I have always paid the XXXX loans at different paydown rates, paying down the principal on XXXX loan much faster than the other loan so that someday I would have a reduced payment by only having XXXX of the XXXX loans to pay. Navient 's new payment scheme will combine the loans into XXXX and make it impossible for me to accelerate the payments on XXXX of the loans by itself. Since I am XXXX years old and owe {$100000.00} total, I had always planned to pay off the loan that is now smaller ( due to my accelerated principal payments ) before I retired and started collecting social security. At that time I will not have enough money to pay both loans at the current payment if both loans still exist. This is dishonest, unethical, and I think it is a violation of the original terms of the loan, but Navient so far has refused to send me a copy of the original promissory notes ( I signed XXXX each year I was in school ) and instead insists there is only XXXX promissory note. That is not true.
I have made numerous attempts to have the company give me service provided, dates of service, patient, etc. No information has been given to me and now I am facing a judgment XXXX XXXX, 2016 for this.
I filed a complaint on account # XXXX XXXX XXXX XXXX XXXX with M & T bank with you the beginning of XXXX, XXXX. M & T replied concerning my wife 's HELOC account with M & T. This is part of the problem. This bank is unable to keep records straight. They do not know what they are doing. I have been paying {$300.00} a month for around XXXX years. I dealt with XXXX XXXX. My payments went to him at XXXX XXXX XXXX, XXXX, NY XXXX EVERY month for years. I received a letter from XXXX XXXX Attorneys concerning this account stating M & T has not received any payments since XXXXXXXX XXXX on my account. I never received any statements from M & T regarding this or that an attorney was involved. I found out XXXX XXXX is no longer with M & T. I was not notified about any of this until I was contacted by these attorneys. I received a letter from M & T on XXXX XXXX, XXXX stating my payoff was {$38000.00}. The letter dated XXXX XXXX, XXXX from the attorney States a payoff of {$40000.00}? How can that be? This is how M & T works. Something needs done. Now their response does n't even address my account!!! Since this is so dishonest please make sure M & T addresses the CORRECT account!!!!
My loan is with Colorado Housing and Financial Authority. I was approved for a loan modification XX/XX/XXXX and although I had late payment my loan was brought current XX/XX/XXXX. I made my XX/XX/XXXX on time. I filed Chapter XXXX bankruptcy XX/XX/XXXX and although it is my understanding my attorney did not file a reaffirmation, the modification was completed after the discharge of the bankruptcy. I have continued to make payment on my XXXX mortgage, however, despite repeated attempts to get an accounting of my payments I am told due to my bankruptcy they can not send any documentation. 
I received a Notice of Breach on XX/XX/XXXX even though the post mark was 10 days later. I paid the amount of the breach before the deadline and also made my XX/XX/XXXX payment before the delinquent date, as well as applying " unapplied balance to my escrow account. 

My escrow account : I changed my homeowner 's insurance XX/XX/XXXX to save approximately {$700.00} per year. I requested my insurance agent send the invoice to CHAFA to pay. CHAFA paid ( overpaid ) the old insurance company for which it took me almost 7 weeks to locate ( I had been with them since I purchased my home in XXXX. I advised CHAFA of the change and was told I would be responsible to pay the new insurer ( Farmer 's ) and have to obtain a refund from the old insurance company. I received a notice from XXXX which was not the agreed upon cost of the policy and XXXX adjusted my account and I paid the premium to XXXX. In the meantime, CHAFA paid XXXX, again, for the inflated premium and NOT the correct amount. 
CHAFA refused to provide me any documentation as to the status of my loan and today I received a letter that they are continuing with acceleration and foreclosure despite my loan is current, as is my XXXX loan. The letter dated XX/XX/XXXX ( the day I made my XX/XX/XXXX payment ) is postmarked XX/XX/XXXX which is the usual mailing delay with any communication I receive. When contacting CHAFA I am transferred all around from customer service, to collections, to the bankruptcy department and all say the other is responsible for lifting the block for online access or correspondence. In fact, when I call and am given instructions regarding payment, when I actually call back to complete the directions ... they have changed ... In fact, my payment amount has increased 4 times in the past 4 months and I have yet to receive any documentation explaining WHY ... WHEN ... HOW LONG?? So I am making payments NOT the {$1700.00} in the loan modification from XX/XX/XXXX BUT {$2000.00}??!!
I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!
I was contacted by my bank institution ( key bank ) and I was informed that there were some activity within my account and wanted know if I knew or authorized. I told them no I did not and do not have any transactions recently that I made. I was instructed to come in to my parent banking institution to sign some papers stating my knowledge of the inscident and let them know I did not make that transaction. I failed to remember my ID and I was denied seeing the gentlemen who I spoke with from my branch and therefore I missed the ending time for gettin the papers signed and my account was canceled with an alert on my name. I work full time on a some of 50-70hrs a week so Its a conflict with me being free to situate this issue. I also stated that and I took a day off work. Only to be rejected. I asked the clerk at my branch if it would be a problem to make the gentlemen aware that I was present in hopes he would understand my issue of my ID, so that I could be given a grace period to straighten this out. Again, I was not accepted. I went back a couple later to fill out the papers anyway just because. I was contacted by the gentlemen who instructed me to come in and he told me he couldnt do anything now that the account had been closed. I was given the info about this site by XXXX XXXX  after an attempt to establish another account there. I was told theres a alert attached to my name. The issue was that an attempt to deposit a check for a some just under three thousand dollars on XX/XX/2018. Again I informed them that I had no knowledge of this activity. I cant recieve any of my work checks because of this. I have to support myself and family. Big hinder! Please help!!
I have contacted the company by phone, takes to the supervisor and asked them to stop calling me, and told her the company is constantly calling me and I consider it harassment.
Dear Sir/Madam, My original loan was XXXX of which I only received a portion of books back in XX/XX/1990. Since then I have paid thousands of dollars, reconsolidated and the loan was sold again to navient which have added thousands of accrued interest to it making it a whopping XXXX. My school also violated terms of agreement by ( closing and not providing services as lifetime course entitlement ). If they closed and I 'm not getting what was promised why should this loan continue? 
I am considering a lawsuit as this is unjust and unfair interest practices during deferment and hardships.
We were customers of  Greentree Lending.  In   XXXX  , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had  one  month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.
My Capital One account is a business account, but the account shows up on my personal credit report. I asked over the phone to delete the account from my personal credit. They agreed that this should not be on the personal credit report and said they would change it, but they never did for about six months. I only provided the company ID, but somehow they have reported to credit bureaus using my personal SSN. It is Capital One 's fault that this account is reported to credit bureaus as a personal account. 

Capital One account # : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX, President
XX/XX/XXXX ANDXX/XX/XXXX EXPERIAN WAS INFORMED THAT I AM A VICTIM OF IDENTITY THEFT AND XXXX IN THE AMOUNT OF {$420.00} WAS NOT MINE AND SHOULD BE REMOVED. EXPERIAN WAS SENT SUPPORTING DOCUMENTS BUT DECIDED TO SEND STALL LETTERS INSTEAD OF ADDRESSING THE PROBLEM. EXPERIAN CONTINUES TO REPORT ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. XXXX CANT VERIFY PROVIDE SUPPORTING DOCUMENTATIONS SUCH AS A CONTRACT BEARING MY SIGNATURE. I HAVE NO DEALINGS WITH XXXX OR THE COMPANY XXXX THAT IT REPRESENTS. EXPERIAN IS IN COMPLETE VIOLATION. THERE IS NO CONTRACT PLUS THIS ACCOUNT IS A RESULT OF IDENTITY THEFT!! HOW IN THE XXXX   IS IT STILL BEING REPORTED WITH NO CONTRACT AND OBLIGATION BETWEEN THESE COMPANIES AND I.
Direct Deposit scheduled for XX/XX/15 and never received was told by company it would be fixed by XXXX and several people have gone days with no deposits after being promised it would be fixed
Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided. my last letter i send is attached to this complaint
On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.
Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.
in XX/XX/XXXX I had a unpaid ballance of XXXX dollars from a local utility company that I was unaware was unpaid. I called to transfer services to my new address and it was told to me by the representative that I had an unpaid ballance that needed to be paid before services could be transferred. I made the payment that day in full of XXXX dollars plus a XXXX dollar transfer fee totaling XXXX. 
in XX/XX/XXXX I had discovered on my credit report that the amount for XXXX was being reported and have reached out several times to the debt collector and the account holder, providing proof of payment and thus far both companies are refusing to remove this inaccuracy from my credit profile. I have hired credit repair companies and they have also been unsuccessful. I believe that this collector is violating the laws under the fair credit reporting act, & the privacy act, and they have no intention of complying with the law.
I am contacting because of the difficulty in paying off the auto balance. 

I initially fell behind on payments ever since I moved to my new address. This was my responsibility and my fault here for not following up. 

In XXXX, I called the Wells Fargo Dealer Service multiple times in an attempt to pay off the debt. A settlement bill was scheduled to be sent a total of three times. The first did not arrive, the second arrived however it was burnt from our house fire. A third was send on the date extension XX/XX/18, with the due date XX/XX/18. The bill arrived afterwards, however an extension was not given. 
We attempted to pay at a local Wells Fargo to no avail. Email was unavailable to pay the bill. There is now a charge-off negative remark on my credit report. 

I would like to address this by paying the debt by the original {$290.00} payments on the Wells Fargo Dealer Services payment portal or get the negative remark removed from my credit report. 

Thank you.
I am a XXXX employee who has consolidated and as an attempt to control my payment amounts as well as pay off my debt in 10 years to earn total forgiveness. However, I earn about XXXX a year and have additional responsibilities, like family, mortgage etc. My payments continue to increase so much so that i have begun to be geared toward forbearance over several years. This pushes back my XXXX plan, accrues extreme interest and does not allow me to make any progress on my approx. $ XXXX student loans. Student loans are bankrupting me. A huge portion of my loan was taken out at a college that was not even accredited at the time for the XXXX program I was in. There is no way to dig out from the burden of the student loans I was foolishly allowed to borrow as an unsuspecting college student. I am in a good job with a decent salary and I still can not afford my payments. There are few jobs that allow students to earn enough post graduation to afford to pay back student loans plus interest.
A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that occurred in XXXX XXXX. The billing should have been for my daughter XXXX XXXX who was not my dependent at the time and not living in my home. I have never received a bill for the debt. XXXX XXXX XXXX XXXX billed me by assigning my social to my daughters name XXXX is XXXX/XXXX/XXXX and last XXXX of social is XXXX. My name is XXXX XXXX and DOB XXXX/XXXX/XXXX. This has shown up on my XXXX credit report for the last 3 years and been cleared by disputing it. Now XXXX says that they have checked with Commonwealth financial systems and it is my debt. 
I called on XXXX/XXXX/XXXX and spoke with XXXX at Commonwealth and he assured me that the situation would be rectified. As of XXXX the dispute says that Commonwealth Financial Systems confirmed it is my debt. I did speak with XXXX XXXX at Commonwealth who wanted me to send copies of my social security card and drivers license to them to verify. I will not give out my information to them as they are the ones that made the error and I am concerned about them breeching my privacy again