WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XXXX XXXX XXXX, XX/XX/XXXX for XXXX, XXXX -- XXXX payments. My credit was not good at the time so I ended up with Santander with their 24.99 % interest rate. My payments are XXXX a month and as of today, I still owe XXXX with a buyout for XXXX. How is this Ok and how is this legal? Seems to me that I will never pay it off. Though the interest was high, I was not having trouble making my monthly payments at that time. Then there were times when money was tight where I missed payments, I called Santander, and they approved 8 extensions different times ( moving that particular months payment to the end of the loan therefore extending time to maturity ). Which brings it to XXXX payments. This worked for the months that I needed the extra money to pay off medical bills. I owe more than the car is worth. Something is not right. I checked the XXXX XXXX XXXX, which is attached, along with my statements. I would like to settle with what the XXXX XXXX XXXX is offering. 

XXXX XXXX XXXX XXXX MILES XXXX MONTHLY PAYMENTS XXXX OWE XXXX, XXXX BUY OUT
I have been receiving numerous phone calls from PHEAA. I am already under wage garnishment so there is nothing further to gain from these calls. I received a call last night which I answer and immediately put on hold. I was at work and could n't stay on the length they deemed neccassary after calling me. They called again this morning. I called back and was met with a woman with a terrible attitude. Hung up called back a second time and spoke with another woman and asked for this to stop. Was just called again the person straight told me he had nothing to say to me and nothing to resolve. Spoke to the supervisor and asked for the calls to stop. Was told they were automatic and no way to promise the calls would stop. I was also told this was not harassment. I do n't understand how not? They call me several times a day and when I do speak to them it gets nothing resolved. They call late at night and early in the morning. It is making sleep and work difficult to have so many phone calls coming at any hour.
XXXX XXXX XXXX Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Select Portfolio Servicing : Fraudulent loan modification application from Mortgage Servicer. Loss of documentation. Incomplete response to QWR. Dual Tracking during loss mitigation.
I paid the XXXX bill from XXXX and transunion is reporting this debt which is not valid by XXXX. XXXX acknowledged this debt is not valid and is paid off trasnunion has not removed this debt so I have to submit a complaint to remove it permanently
Equifax was hacked and personal identifiable information including credit card details and social security numbers were accessed for 143 million consumers, including myself, according to Equifax 's own checker site. 

This complaint is in response to that incident. So far, I appear to be unaffected by any sort of crime, but I 'm keeping a close eye on my accounts and credit and want to make sure that should anything occur, that Equifax is held responsible.
I am writing in regards to a private student I obtained from Bank of America in XX/XX/XXXX in the amount of {$7000.00}. 

I began making payments on the loan but the payments became too much and I started receiving harassing collection calls. My last payment was in or around XX/XX/XXXX. The calls continued but I wasnt able to make payments. 

In XX/XX/XXXX, I was served by XXXX XXXX, a collection agency/law office in XXXX XXXX, MN representing a company called XXXX XXXX XXXX XXXX XXXX, who had apparently purchased the loan in a bundle with many others. Other than requesting supporting documentation, I did ignore the issue and as a result they obtained a default judgement against me. 

In early XX/XX/XXXX they levied my bank account and got about {$60.00}. It was after this that I started consulting bankruptcy attorneys because I wasnt even certain this was an actual student loan and in XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I received my discharge on XX/XX/XXXX. 

Several months after my discharge I started receiving communications from XXXX XXXX again. I consulted my bankruptcy attorney who referred me to another attorney in the XXXX XXXX. Upon consulting with her she guided me on what to ask for in terms of the paperwork pertaining to my loan. I requested it several times and each time, it was incomplete. ( Due to a house fire, I no longer have my original documents. ) I was contacted again by XXXX XXXX last year with regards to their intention to garnish my wages. On top of that, another collection agency, XXXX XXXX, contacted me regarding collection of this debt but it was for a totally different amount. I again sought advice from my bankruptcy attorney who was unable, or perhaps unwilling, to assist. 

I have done my own extensive research on whats going on here. I, along with the Minnesota Attorney General 's Office, have continually asked for ALL documents pertaining to my loan including proof of  XXXX XXXX 's ownership, which has never been provided to me. It is my belief that XXXX XXXX XXXX XXXX XXXX does not have the right to collect on this loan because they can not prove ownership of it. There are several articles regarding this exact issue from reputable sources including the XXXX XXXX  XXXX which I can provide if necessary. 

One more thing I should mention with this situation is I received a XXXX from Bank of America but I can not determine which loan it is associated with ( I had a total of 3 ) and no one from Bank of America could provide me with that information. No amounts or loan numbers correspond to any information I have. If that form is associated with the loan XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX, then I don't see how they can continue to collect. 

As I mentioned I did work with the Minnesota Office of the Attorney General and XXXX XXXX, the person assigned to my case, did a fantastic job but he kept getting the runaround from XXXX XXXX. About a month ago he reached out and suggested I reach out to your office for additional assistance. 

Please feel free to contact me at any of the above contact information provided. Any help will be greatly appreciated.
I have disputed an item from conns credit several times. The amount showing owed is {$1000.00} which has been on my credit now for 9 years. I called  XXXX  and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under   XXXX   and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE STILL REPORTING AS AN OPEN COLLECTION AN ACCOUNT THAT WAS FIRST PROCESSED UNDER CHAPTER XXXX BANKRUPTCY PROTECTION AND ACCOUNT WAS LATER SETTLED AND PIAD THROUGH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEYS , XXXX, XXXX XXXX XXXX , XXXX, REF ( XXXX XXXX FORD MOTOR CREDIT V XXXX XXXX ) THIS ACCOUNT SHOULD NO LONGER BE REPORTED AS AN OPEN COLLECTION OR DERROGATORY ACCOUNT AS IT HAS BEEN DULLY SATISFIED. 

XXXX XXXX XXXX XXXX FORD MOTOR CREDIT ARE IN VIOLATION OF FCRA Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation.
I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.
I was approved for a personal loan for {$12000.00} with One Main Financial. I asked about a receiving a lesser amount and reduction of the term of the loan from 48 to 24 months. I was supposed used my car title as collateral which was fine. The loan officers for the local branches provided unsubstantiated information in regards to the exact amount they wanted me to agree to and pay debtors on my behalf. I questioned why they chose which debtors are paid without looking at my entire financial portfolio. Why ca n't I choose which debts to pay that will reduce my overall monthly bills? I am responsible for this loan and this will not help my financial situation, especially at 22 % interest and title to my car. I do n't believe the what the two loan officers said was true. When I called the main corporate office I was told the loan application and amount is at the discretion of the local branch who processes it. I declined their terms but I feel the advertising is very misleading to consumers and the corporation seem to employed untruthful, misinformed workers to represent them.
Consolidated my loans, ALL of them but they excluded one which they claim was not included but have repeatedly ask them to review as I believe it was included. While I was current on my consolidated payments when these problems began, they continued to contact 3rd parties - did not verify who they were talking to.. one 3rd party said he was me and they discussed the loan in detail with that 3rd party who then forwarded that information to me.

Served them with a Cease & Desist which is ON FILE on my account. As soon as they received it, my Account rep started calling me and leaving me voice mails saying they didn't receive any letter from me, but I had not contacted them period or communicated that to them in any other fashion.

They continue to contact 3rd parties, harass. 
here is the verbiage of the letter that I have sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX Navient XXXX XXXX   XXXX XXXX, PA XXXX XX/XX/XXXX CEASE & DESIST Under my federally protected rights that include the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing regulation, Regulation V, 12 C.F.R. part 1022 ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, in addition to my rights under the Telephone Consumer Protection Act 47 U.S.C. 227.

I hereby officially notify your agency to CEASE & DESIST with ALL CALLS to ANY AND ALL PARTIES not specifically authorized by me in writing and may only utilize my email, account inbox and/or US MAIL to communicate any concern in writing.

You may REASONABLY communicate with me in WRITING only! 
I am aware of the numerous CLASS ACTIONS against your organization I will be joining those actions, or filing my own action and/or complaints with appropriate agencies. 
This will additionally show yet another attempt at mitigating the damages for the above cited concerns. 
Sincerely, XXXX XXXX XXXX
My situation is solely related to the XXXX XXXX Rush Card glitch. For almost a week now I have either not been able to access my account and or funds I have loaded funds to my account that have not posted to my account there has been funds taken out of my account without my permission for almost three days my balance said zero when I definitely had sufficient funds I have sent several emails tweets called several time only to be disconnected if this was any other prepaid card without a celebrity at its head this would be considered fraud.
My information was leaked in the recent Equifax hack. I was listed as one of the potential victims on their reporting tool. A sufficient amount of my data may have been captured which would give an attacker enough tools to damage my credit by accessing accounts which only require a date of birth with social security number.
I am writing on behalf of our business, an auto dealership, regarding harassment by a collection agency which arose out of billing errors on old invoice for transport services. Accounting needed to verify appropriateness of old debt invoices that were sent almost 2 years after the fact and paid all old invoices directly to the company. A balance remained that was being investigated and company referred the matter to collection agency with no notice to our company. Debt collection company claims entire amount assigned to them by other company including amounts already paid directly. Refused to investigate actual amount in dispute, threatened and harassed comptroller and contacted the undersigned using the foulest of language, screaming and repeated calls after written notification that the amounts were in dispute, to return the debt to the maker, and to cease all harassment.
I settled a {$1200.00} balance for {$600.00} with XXXX in XXXX. I have attached a copy of that payment from my checking account. In XXXX I disputed the {$1200.00} balance still showing on the file and Equifax 's response was " disputed meets FCRA requirements ''. How can it meet requirements if I settled it? They either did n't bother to send it to XXXX to verify XXXX XXXX XXXX XXXX took my money and left the balance. This is a violation of my rights under the Fair Credit Reporting Act.
InXX/XX/XXXX I received a letter from XXXX a debt collector about a XXXX account in the amount of {$510.00}. I made arrangement with that company and paid the debt off inXX/XX/XXXX. XXXX XX/XX/XXXX I received a letter from another debt collector XXXX XXXX for the same XXXX account. I informed them that the account has been paid and they asked me to send them proof. I called the company XXXX and asked if they could send me a copy of the letter sent that my balance for XXXX was XXXX and they did. I emailed the letter to XXXX as instructed proving that the account had been paid in full. 

A few days later a change had been made on my credit report where I had gained points because XXXX zeroed my balance. I was satisfied until a few days after that my account was deducted some points and when I checked it was the same company ( XXXX XXXX ) had put the debt back on my account. 

I have been going back and forth with them about this issue and correcting the problem and it doesn't look like they are trying to resolve the issue.
Was referred to addvantageusa from my credit repair company XXXX XXXX. Was approved and ordered a laptop whichwas never shipped! Cancelled the laptop order. I am now receiving statements and collection calls from UAS, universal acoount servicing llc XXXX. It states right on the statement its for my acct with XXXX. I cancelled all orders in XXXX 2015 with addvantageusa. They have debitted money from my checking account for a laptop inhave never received. I have called every week since XXXX 2015. I have also tried to start a chat on their website- three separate times they stated that they were going to take care of this and nothing has happened. Niw, they dont respind to my chats and never answer their phone. UAS makes daily calls to my cell phone while i am at work harrassing me for a debt i do jot owe. When i call them back, no one EVER answers! I have been on hold in their que for over 45 minutes! Please help!!
My Mortgage was recently transferred from   XXXX   XXXX   to  XXXX   XXXX  Mortgage. I was told that starting  XXXX   XXXX  I was to set up an account to have my  XXXX  payments deducted.  XXXX  was no longer managing payments. I c alled Nation Star and  they said a packet would be sent by  XXXX . If I did not receive it by that time to call. I did not receive it by  XXXX  and I called in. The rep gave me my new loan #. I set up an account on  XXXX  my money was taken out. Then on  XXXX  another payment was taken out.   On  XXXX   XXXX , I called to find out wh y two pay ments were taken out the representative (  XXXX   XXXX   ) w ho gave me her phone number  XXXX   XXXX   XXXX   XXXX , told me that  XXXX   may  have taken it out as well. I confirmed that my account with  XXXX  was closed. The representative and I placed a conference call with  XXXX   XXXX   XXXX    XXXX     ( Spo ke with  XXXX ,  XXXX   XXXX   XXXX   Representative  ). He confi rmed all my payments were made until  XXXX . They did not take out  XXXX . I was issued a credit to my account. I went online to check the next day and there was a pending payment for  XXXX  still in my account. On  XXXX   XXXX ,  Nation Star too k out the amount again. I placed another call  to Nation Star about this and was told after 45 minutes that a manager named was informed and I would have the money refunded within 48 hours. That has not happened. Also, every representative I spoke with at Nation Star gave me their phone numbers but stated they usually can n ot be reached on these numbers. I tried to reach  XXXX  and phone rang o ver ten times. I trie d her phone number many times throughout the week and the phone just rang. I do not understand why no one can direct me to a phone number where calls can be returned. I find this highly unprofessional. Also anytime I asked a representative why this was happening with the payments they could not tell me. They also were unaware of the transfer issues. It seems that no training has happened to assist your representatives on how to handle these situations, which I find very disheartening. I do not have the time to spend on the phone at work or to have double payments taken out.
synchrony bank tried to collect on behalf of sam 's club on my account. we never received a bill because we found out later that they sent the bill to the wrong address somewhere XXXX miles away. 
they would not let me have the address corrected because they said i was not on the account. i have my sam 's club picture id. when i went to sam 's to pay the bill they would not let me for the same reason, i was not on the account. i have tried everything and had my wife call and the info is still wrong. enough is enough, i do not want to shop at sam 's club or walmart because they cant even get an address right. i have been a member since the late 80 's and now its all messed up. so much for my repeat business
I contacted XXXX about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX.
I have a credit card from XXXX. The card fee is $ XXXX/year and starts on XXXX. On XXXX I received notice of the renewal. I asked for a card with a lower fee. It was {$49.00}. They issued the card and I paid {$49.00}. They applied the {$49.00} to XXXX to XXXX but never cancelled the {$90.00} charged. They continued to bill me {$41.00} ( $ XXXX- {$49.00} ) and objected each time for 3 months. Then I found that they reported the past dues to the XXXX credit bureaus so I relunctantly paid them the {$41.00} plus XXXX late charges totalling {$4.00}. 
They refused to reduce the {$90.00} fee to {$49.00} because they think the contract permits them to charge {$90.00} if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with XXXX states " The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available ''. This statement is illegal in California pursuant to the California Automatic Renewal Law, California Business & Professional Code 17600. 
This law states " a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). 
I would like my {$45.00} refunded and more importantly, instructions given to each credit bureau that there was no past due. 
i am enclosing pages referring to XXXX, and the XXXX terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. 
In addition, in XXXX ( XXXX, XXXX was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.
I BEEN ASKING FOR HELP TO MODIFIED MY LOAN FOR THE LAST 9 YEARS AND INSTED TO BEEN ABLE TO HAVE THE OPPORTUNITY TO BEEN REVIEWED I BEEN TRANSFERED TO A LIST 3 DIFERENT SERVICING COLLECTION AGENCIES UNDER THE SAME MANAGMENT WHO THEY WORK ALL TOGETHER IN CONSPIRANCY TO LET THE TIME GOES BY AND HAD ME UNDER A DUAL TRACK PROCESS IGNORING ALL MY CERTIFIED MAIL REQUEST FOR HELP I BEEN ALSO MADE A DIFERENT COMPLAINTS TO THIS AGENCY AND THE LETTERS THEY PROVIDE YOU ARE BACKDATED MAIL THAT I EVER HAD AFTHER THIS IS EXPIRED AND
My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.