WillisBack/dataset-financial-user-claim huggingface dataset:
Nelnet and XXXX have garnished my wages even though I submitted multiple complaints with CFPB and Department of Education. I properly filed my forbearance request and provided detailed documentation to the service provider Nelnet. I also filed a complaint with Department of Education on XXXX XXXX, 2015 related to numerous internal and CFPB complaints with Nelnet and XXXX. As a consumer, student-loan borrowers have a right to set their monthly loan payments as a share of income. It 's known as " income-driven '' repayment and is touted by the Education Department as a way to keep those borrowers out of default. Nelnet made it difficult for me to arrange any type income-based payment and continued to steer me only into forbearance arrangements and eventually turned into costly payment instead of affordable long-term repayment options that were more beneficial to Nelnet. Nelnet failed to disclose their annual deadline to renew or obscured its renewal notice and recently is the center of a lawsuit filed in U.S. District Court. Nelnet quickly defaulted the loans and inserted a 3rd party collection company to garnish my wages even after a cease and desist complaint was sent due to an open complaint with both the CFPB and Department of Education.
I attended XXXX University from XXXX as an XXXX. I was under the impression that my student loans were federally owned. After I graduated, it came to my attention that a portion of the loan was owned by National Collegiate Trust. I had not made any payments between XXXX and XXXX, and the loan was in danger of default. I began making regular payments and have done so, in full and every month since late XXXX-early XXXX. Unfortunately, not only has the loan balance not decreased, it has increased. According to my most recent statement, the original principal loan amounts were for {$4200.00} and {$120000.00}. I have paid {$2100.00} and {$10000.00} in interest, respectively. Yes, it seems that the interest amount is nearly the same amount of the loan. Only {$1700.00} and {$3900.00} have been applied to the loan principal. As of XXXX/XXXX/XXXX, I still owe a balance of {$4300.00} and {$15000.00}. In sum, the original loan was for {$16000.00}. I have paid an aggregate amount of {$18000.00}. I still owe {$19000.00}. After 8 years of consistent payments, how is it possible that I still owe more than the original loan balance? What kind of interest rate gauging and manipulation is in practice in order for this to happen? How is it possible to be charged nearly 100 % interest for a loan?
Original account/debt was with XXXX. 
XXXX wrote off account. XXXX had the account with two inaccurate amounts {$160.00} and {$100.00} appearing on my Transunion credit report even though the account was assigned to XXXX XXXX XXXX Client Account # XXXX for only the amount of {$100.00}. XXXX then sold account to XXXX XXXX, XXXX account # XXXX. XXXX   offered me an opportunity of a lump sum reduction of {$36.00} which I paid should be reported as " satisfied in full '' on Transunion report and a letter stating the account was satisfied. 
The paymentTrace number Is XXXX XXXX XXXX. The name of the person who accepted and processed the payment at XXXX was XXXX XXXX XXXX XXXX Ext XXXX. 
I AM asking for help to remove two derogatory and inaccurate marks on my Transunion Credit Report. 
Thank you.
Re : Shellpoint Mortgage Servicing We have recently completed a Chapter XXXX bankruptcy and have notice from the Chapter XXXX  Trustee, that we/they have paid our Mortgage payments as required and we were current upon closing of the case, XXXX 2017. We have made the payments required by Shellpoint since the closing and have canceled checks to confirm receipt by Shellpoint. They continue to insist that we owe additional funds that seem to be attributed to amounts they had not posted properly during the bankruptcy. According to our records, the bankruptcy trustee made final payments in the amount {$56000.00} on XXXX XXXX, 2017. They also made a payment in the amount of {$56000.00} on XXXX XXXX, 2017. We received a letter from Shellpoint of Notice of Default and Intent to Accelerate dated X/X/2017. We have contacted them and talked with several employees without resolution. We have asked them for an audit and a full explanation of the amount they feel is owing. They have sent us an account summary but we have not received an adequate explanation of the full postings in the bankruptcy. We have been working with them since XXXX 2017 and feel that they are not diligently pursuing resolution. We have had no control over the selection of mortgage holders since our contract was sold by XXXX XXXX XXXX ( XXXX XXXX ) several years ago, we wish to refinance with a reputable firm as we have no confidence in Shellpoint. We are unable to do that until this matter is settled. We would appreciate any help you can provide.
This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review. 
I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.
I am disputing this debt with Medical Data Systems Inc. 
Account # XXXX {$340.00} Account # XXXX {$1800.00} Account # XXXX {$470.00} Account # XXXX {$270.00} Account # XXXX {$230.00} I have contacted Medical Data Systems and they were unable to verify this account as mine. They have failed to properly validate this debt. I originally disputed this debt about 60 days ago which is more than the outlined period time in the FDCPA. The collection agency Medical data systems has sent me an invoice from the original creditor XXXX XXXX Hospital which is a violation of HIPPA laws and did not protect my privacy and medical record from a third parties. I did not recall giving XXXX Hospital permission to release my medical information to a third party. they have sent an invoice but no documentation as a written contract or anything bearing my signature. I am disputing this debt and absent of such proof they must terminate this collection action and correct any erroneous reports of this debt as mine. The continued silence is unacceptable and they need to provide the proof or correct the record to remove the invalid debt from my credit files with the 3 primary credit reporting agencies.
To Whom It  May  Concern ; I received notification through my   XXXX   XXXX   app that an account that was on my credit report was removed. This was on   XXXX   XXXX    2017 w ith the Equifax credit bureau. I waited a few days, called the bureau to request a free, detailed credit report. After reviewing the report, I noticed that the account in question (  XXXX   XXXX   XXXX   XXXX  ) remained on my credit report. I know   XXXX   XXXX    works very closely with the bureaus and they would not send me false information and or updates, as their information comes directly from the bureaus. I am submitting this complaint due to the lack of compliance from Equifax. This is an unfair practice by a credit reporting agency.
My wifes pursue was stolen before she could contact the card companies the theef had charged some things to the cards. Some how the collection agency was calling me looking for he I 'm her husband. I told the to stop calling me. They would n't stop calling. They laugh at me and said no I 'm not going to stop calling this mumber. I have them on recording.
INTENT TO DRFRAUD US GOVERNMENT / INSURANCE FRAUD AND CONSUMER FRAUD SPECIFICALLY PMI FRAUD IN A RECENT CFPB REPLY NATIONSTAR/ MR COOPER STATED MY HOME IS AT 87 % LTV WHEN IT IS ACTUALLY 57 % LOAN TO VALUE ... I AM A XXXX THESE LIARS NEVER DID AN APPRAISAL SO I KNOW FOR A FACT THEY ARE GUILTY OF SYSTEMATIC INSURANCE FRAUD. ***EVEN IF IT IS JUST THIS ONE CASE ... I WANT THEM REFERRED TO THE FBI FOR PROSECUTION AND FINED FOR LYING TO THE CFPB ON THEIR OFFICIAL RESPONSE****
On Sunday,  XXXX   XXXX ,    2017,  I,  XXXX   XXXX , received a telephone call from a debt-collection agent. The agents name was  XXXX   XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I,  XXXX   XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with  XXXX   XXXX  lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( #  **************** ). This account has been collect ed, [  unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.
The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX  data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.
Upon checking my credit report I noticed a new inquiry from a company called WILLIAMS AND FUDGE INC. The company is reporting negatively and I have no clue as to who or what this  company is as they have not mailed, emailed, or called me regarding the debt prior to reporting negatively on my report.
Approximately XXXXXXXX years ago when my student loans were with Chase Student Loans a " manager '' on a debt collection call threatened legal action to have a lien placed on my parents home and threatened further foreclosure action should the account not be kept current.
XXXX XXXX XXXX garshied my bank account for a time barred debt. 
Not properly served. 
Another account sent to XXXX XXXX.. this is not verified and is time barred as well.
there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all
I was sued by automobile Acceptance Corporation and they were represented by XXXX XXXX XXXX XXXX XXXX  XXXX. 
They garnished my wages for over a year until the balance was paid. Years later it is still showing on my credit as having a balance. XXXX XXXX XXXX and XXXX was closed down in 2015 and they were sued by the federal government for collecting debts from civilians that was not owed and I am sure that I am one of them. I want the balance to be removed from my credit report and I also want any money returned to me that was not owed or demanded in the original court document. I have not been contacted by the plaintiffs or by this law firm since the garnishment stopped.
This is a request to investigate the following entities : XXXX, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and Diversified Consultants, Inc. for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX XXXX alleged " {$850.00} '' debt reported by Diversified Consultants to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX XXXX debt was " reported correctly, '' by Diversified Consultants.

Diversified Consultants and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/Diversified. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and Diversified Consultants, Inc. have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
In attempt to repair my Credit I applied and obtained a XXXX and received a {$2500.00} credit limit which I was informed that this account would be reported to XXXX & Equifax on a monthly basis. After reviewing my XXXX & Equifax Credit Report for the past 5 months I have observed that XXXX XXXX has NOT reported my account to XXXX or Equifax. I called yesterday and was told that XXXX Credit Report does not report to XXXX anymore but does report to Equifax. I told the representative that on my Equifax Report that my XXXX XXXX has never been listed as an account in good standing on my Equifax Credit Report. Once I told the Representative that I was going to report this to The Consumer Financial Protection Bureau she quickly ask me to hold and speak to her Manager. When the Manager got on the phone she did not give a valid explanation of why my account is not being reported to Equifax. She requested me to sent her a copy of my Equifax Credit Report. Please note that obtaining my XXXX XXXX no credit check or inquiry was required. I feel uncomfortable of having to provide my credit report which obtains personal information that XXXX has no need to know. I believe that by me advising XXXX that my account is not reflecting on my Equifax Credit Report is all that is needed for them to ensure that this account that I have paid {$25.00} per month for the past 6 months be reported accurately to Equifax. The purpose of obtaining the credit is NOT for me to donate money to XXXX rather to help repair and rebuild my credit. The conversation ended that Equifax is at fault and I need to have them correct the issue.
I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.
I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks.
I was called put a place that is trying to collect on a auto loan when I answer my the collector did n't verified any info on me and just disclose everything about the passed due loan. I know this he was not aloud to do that. The number that keeps calling me is XXXX. He told me how much I owned and who I owned and how much a XXXX would be, but did n't know if he was talking to the right person or not because he never verified me at all
I want all information regarding a b/k over XXXX yrs ago removed from my credit reports from all three reporting agency and to be advised when done!
My husband has had a Chase Mileage Plus credit card for years. Now, he has XXXX and is in a XXXX XXXX XXXX. I am the spouse and have a XXXX. All is in order on our side. 
XXXX/XXXX/2016 Account is completely paid off, including a small amount of interest that somehow went into the next cycle. 
XXXX/XXXX/2016 I called XXXX ( published by their website for " closing the account ''. I spoke with XXXX who said they need the XXXX. 
XXXX/XXXX/2016 I faxed the XXXX from our landline ( XXXX ) successfully. 
XXXX/XXXX/2016 I called XXXX again and XXXX confirmed that they have the XXXX. XXXX " closed the account '' and said the Close Letter I requested should reach us in " 7-10 days ''. 
XXXX/XXXX/2016 I received an arrogant letter saying they " require more information '' specifically wanting my address and referring to me as an " agent '' on the account.
This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. 
My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.
In XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.