WillisBack/dataset-financial-user-claim huggingface dataset:
opened : XX/XX/2018 Balance : XXXX I called to see where the bill came from and was told it was from me last apartment. I spoke to a representative befor I moved to make sure all my bills were pay in full and accounts closed.
My husband wrote a check out to Fifth Third Bank from his XXXX account to pay our mortgage. The check was solely intended to pay for the mortgage and is clearly noted in the memo (lower left corner of the check with my name and the Mortgage account number). Fifth Third Bank is holding these funds in my checking account, which is unfair! It is making my mortgage accrue interest and late charges that I should not be responsible for! Fifth Third Bank falsely (XXXX from the XXXX, Ohio branch) informed me today via telephone that the funds from XXXX were not available and if she made them available, I would be charged an additional fee. She ended the call with me shortly after that stating that she has "other customers waiting". I waited for service, too... My end result was getting hung up on. My husband called his bank and was told the funds were already cleared as of XX/XX/XXXX17. I want this resolved immediately and feel like I'm being taken advantage of.
Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about XXXX years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with XXXX different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.
1 ) I have Different balance amounts that are on my credit report.
2 ) Also I have late payments of 90+days being reported when they should 've been covered under forbearance or deferments I always applied for those when I was unable to pay.
3 ) I do n't know if the interest rate is changing but I can never   catch up to paying my balance off yet alone down.
Ca n't include exact dates from years ago, however the collection company known as IQ Data had  constantly called me between the hours of XXXX and XXXX for 3 weeks straight back around late XXXX, early XXXX. They had never sent an original letter/notice of collections. When asked to submit said letter as well as further proof that the debt was mine, they stated that they could not until the debt had been paid. When asked if they could provide proof that the debt is mine, they stated they could not until the debt was paid. When told that they are to no longer contact me if they could not prove that the debt was mine, they threatened to have me arrested for not paying. They constantly were rude over the phone, and used profanities. When I moved into my new apartment, they contacted my landlord asking for my information. My landlord disclosed the fact that I 'm in XXXX XXXX XXXX due to the fact that I 'm on XXXX but no other info was given. IQ data then attempted to contact me by phone further demanding that I contact my local social security office and have the SSA send documents to IQ data to allow them to collect from my benefits. I once again asked them to provide written proof in the mail that showed the debt was mine, they once again became rude with me, cursing at me, and hung up. Recently I recieved a few more calls from IQ data through the use of blocked numbers around XXXX in the morning. They also sent letters in the mail to my mother demanding she have me contact them and that if she does not, then she will inherit the debt. I am assuming this is due to the fact that the statute of limitations is nearing.
Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX because of the holidays. Synchrony did not credit my payment for XX/XX/XXXX, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. 

From my perspective, this is a bookkeeping problem on their end and I have lived up to my end of the bargain. I was apprehensive about this arrangement from the start for fear of being tricked into paying them fees and finance charges. My suspicions unfortunately are confirmed. 

Can you please help me with this? This anti consumer rip off type of practice should not be permitted by this awful financial institution.
Hello, I have spoken to XXXX people at Navient now over the past month. They tell you to not call back until about a week before your first payment is due in order to establish a payment plan. SO, one calls a week before to set up their payment plan and are given the amount. I watch my account online for it to reflect the amount and it does not. Not wanting to default on my first ever student loan payment, I pay the full amount. 
I then call back to Navient to try and set up my other loan payments only to finally find out that they will set up the payment plan BUT you have to make the first payment in full and THEN the Payment Plan will take effect on the next billing cycle. Is this not the point of a Payment Plan? You ca n't afford that payment as is! 

Thank you.
My original loan was $ XXXX in XXXX with XXXX XXXX. After graduation I was not making enough to repay the loans so I deferred and had many forbarences, continuing to grow interest. Fast forward to XXXX, my loans have doubled. I went back to school in XXXX because I was still not making enough to repay the loans, {$600.00} per month is what was required. I am no longer able to defer or go into forbearance. 
XXXX XXXX XXXX claimed they would consolidate/refinance my federal loan and had this GREAT offer for me! Income driven repayment {$54.00} per month the first year, it would gradually increase over the years, and by the XXXX year the rest of the loan would be forgiven. They sold my loan to XXXX, turns out it was a 20 year loan and nothing will be forgiven. The person who set this up, XXXX is his name, lied to me, and I trusted them. 

Now, I still have $ XXXX with Navient. I am currently on income driven repayment at {$240.00} per month. Next year that will go up. I am still barely able to make these payments. 
I tried looking into the lawsuit against XXXX XXXX XXXX, and tried to get in on that class action lawsuit because I fit right in with that group of students who were promised a large salary job and it never happened. 

Any help or advise I can get will be greatly appreciated! 

XXXX XXXX XXXX XXXXXXXXXXXX
this item is listed as " charged off '' and I would like the negative issue removed from my credit report please
Regarding FHA Loan of XXXX XXXX XXXX # XXXX, we are requesting a Federal Adjudication on the matter suggested issues and the legitimacy of their documentation presented and failure to supervise. From previously submitted letters and the many infractions that JP Morgan has committed, this letter is intended to respond to the letter dated XXXX XXXX, 2016 merely enumerate the instances that involves, specifically a failure to supervise.
Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information.
Basically, my father opened a credit card account with Chase Card Services, using my name and Social Security Number without my permission. After adding himself as an authorized user ( again, without my permission ) He proceeded to make charges on the card, max out the credit limit, and stop paying for it, which led to the account being reported as " charge-off/collection '' on my credit report. I had no knowledge of the account previously and had no idea he was doing such a thing. When I contacted Chase Card Services and explained the situation, even though I included evidence that clearly shows that he was the one maintaining the account, they refused to help unless I pursued criminal charges against my father. I requested that they merely transfer the account out of my name and put it in his name and on his credit report, and pursue collection efforts with him, but they have so far refused and will not delete the item off of my credit report.
Diversified Consultant is recently reporting a collection on my credit report for XXXX and it is not mine. I currently have XXXX! When I call XXXX  they say I do n't owe any extra. When I call the collection company they say there is no balance! I never got a notice from them, only them reporting to my credit one day. How can they just report to my credit for something I do n't owe! Then they do n't do anything to help you.
COMPANY CONTINUES TO CALL BUSINESSES AND RELATIVES TO COLLECT A DEBT I DO NOT OWE. CALLS UPWARDS OF FIVE TIMES A DAY, NOT INCLUDING T HOSE CALLS TO BUSINESSES AND RELATIVES. REGARDING A DEBT I DO NOT OWE. THESE CALLS NEED TO STOP. THEY ARE THREATENING AND RUDE. THIS BILL IS NOT MINE, AND IS YEARS OLD, NO LONGER COLLECTIBLE LEGALLY. THESE EFFORTS CONSTITUTE FRAUD AND ARE ILLEGAL AND MUST STOP.
XX/XX/XXXX I submitted a CFPB complaint # XXXX   about XXXX regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. XXXX  responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and XXXX to settle this account in full and to close this account out to a XXXX  balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted XXXX and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with Experian echoing all the above details and on XX/XX/XXXX Experian completed their dispute with a verification of the current reporting. Experian could not have researched the reference account and then verify the information because that is not correct. I believe Experian did an electronic XXXX  verification and did not research this in its entirety. If XXXX  did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. 

Thank you.
There was a dispute of a {$96.00} with XXXX company which I disputed with XXXX  and they decided in my favor showing the bill paid and account closed at my request. I started receiving correspondence from XXXX XXXX XXXX wanting payment and I sent a letter with copies of the XXXX decision and requested they not correspond with me further on XXXX. I tried to use my XXXX card today and it is being blocked along with any other card I have with XXXX. I feel this is retaliation as all other accounts are in good standing and there is no reason to block their use.
XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
I bought my first home in my early XXXX 's and was financed with XXXX. XXXX went out of business and I ended up with Ocwen. I recall during my application process an Ocwen representative coming to meet me in person. He was a XXXX  male with XXXX hair all combed backwards. I got a call once all my information was submitted to be financed and I was asked to change something on my bank statements by this individual so I could be financed. I said I didn't know how to do anything like that ; he then said he would do it. I get a call back days later that i'm approved and I signed for a 30 year term mortgage. I learn many years later that I'm in a 50 year term mortgage not a 30 year. Also my rate isn't fixed and I now pay over {$1000.00} more per month and the amount I'm paying per month is for a home double the cost of my home. I called Ocwen numerous times about this issue in past few years. I was referred to their affiliate XXXX to be refinanced but they will deny me over the phone and never provide written documentation of denial. I am the victim and fraud and predatory lending practices. I learned Ocwen has settled many of these claims but because I was living in other states in XX/XX/XXXX-XX/XX/XXXX I was never notified about this. Ocwen is presently giving me trouble with being paid for an insurance claim that I have sent them the check but they will not send me the money although all the repairs were completed. Presently I pay Ocwen about $ 4000/month for a home that was finance at XXXX. I would be willing to hire a forensic expert to review my documents to prove that fraud has been done.
Got a loan from XXXX Loans for {$800.00}. Over the phone I was told that I would have to pay back {$1000.00} total with {$280.00} installments every XXXX weeks. First payment was XX/XX/2016. When I checked the account online the payment of {$280.00} did not reflect on my account. Now the company is trying to charge a {$6000.00} interest on an {$800.00} loan
Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail.
The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item from my credit report.
On or about XXXX XXXX, XXXX I disputed items on my Experian Credit report ( XXXX and XXXX was to be next ). The items are XXXX XXXX XXXX 's reporting of two tradelines that are duplicated, both containing truncated account numbers that I 've never possessed. I specifically disputed the duplication and the account balance of {$8000.00}. 
In in re : XXXX, Chapter XXXX file XXXX XXXX, XXXX in the XXXX XXXX of XXXX. I was domiciled in XXXX however, I was and remained a resident of XXXX and XXXX exemptions were found not to apply in favor of XXXX. Therefore, Mississippi statutes were found to apply. I later returned to XXXX. Statute of Limitations ( XXXX XXXX When statute commences to run on open accounts ) ran on any alleged debts on or about XXXX XXXX, XXXX. XXXX also has a statute of repose ( XXXX XXXX. Completion of limitation extinguishes right ). During the stay, XXXX XXXX XXXX sold the alleged account to XXXX who forgave the alleged amount ( XXXX XXXX XXXX - having problem finding this document ; hence statute of limitations ). First noticed in XXXX XXXX, XXXX XXXX XXXX reported account tradeline and " Discharge in Bankruptcy, Bankruptcy Dismissed '' with a " XXXX '' balance. I have never seen XXXX XXXX XXXX 's tradeline but there was collection activity. Date of last activity was XXXX XXXX on XXXX XXXX XXXX 's tradeline. 

Beginning in XXXX XXXX, I sought to refinance my house. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX reported to all XXXX credit reporting agencies with Experian reporting two tradelines with account numbers that I never possessed using a controversial debt collection technique known as " parking a debt '' ( and found to be a violation of the FDCPA by several courts ) This foreclosed the possibility of refinancing my house and has cost me thousands of dollars in savings over the course of my mortgage. 

As mentioned above, on or about XXXX XXXX, XXXX I disputed the two tradelines with Experian. On XXXX XXXX, XXXX they completed their re-investigation and doubled down on the amounts owed on both tradelines that is clearly a duplication with the amount owed as {$8000.00} or a total of {$16000.00} of alleged debt with two account numbers reported that I 've never had with XXXX XXXX XXXX. My credit scores ( reported by XXXX XXXX ) dropped from XXXX on XXXX XXXX, XXXX to XXXX today ( XXXX XXXX, XXXX ). There are two dates of last activity on the differing accounts with the same amount owed. XXXX XXXX XXXX and Experian are in violation of many federal laws ( FCRA, FDCPA ) and XXXX Law and now XXXX. However the cost of hiring an attorney and prosecuting a case is ridiculously high for two financial companies in which this is " normal business. ''
This is in reference to the " Expedited Funds Availability Act ''. On Friday, XX/XX/2018, I deposited a check at a Bank of America Branch. The check was in the amount of {$83000.00} and was drawn on my Retirement Bank `` XXXX XXXX XXXX XXXX XXXX ''. " XXXX XXXX XXXX  XXXX XXXX '' cleared on their end the check on XX/XX/2018. I called Bank of America this Morning and asked why the check is not showing yet and was told I won't get anything until 6 days from now XX/XX/XXXX because they have to process on their end. I then asked can I have {$5000.00} in reference to the " Expedited Funds Availability Act '' and that it is cleared from XXXX XXXX. I was told that there is no such Act. I then called back later to speak to another Customer Service Representative and she said Bank of America doesn't participate in that and I said : Why? No one is above the Law.
The XXXX XXXX debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX XXXX and medical and XXXX
XXXX of LoanDepot called me XX/XX/XXXX about refinancing my house with a VA loan. I sent them all of the requested paperwork, plus they charged my Visa credit card {$200.00} for an appraisal. A few days later, his supervisor XXXX called and told me a few things that XXXX never told me. XXXX also told me that I am NOT exempt from the VA Funding Fee. I have been XXXX XXXX with the VA since XX/XX/XXXX. I called the VA and they told me that I AM exempt from the VA Funding Fee, and the VA told me not to do business with LoanDepot. Five days before the appraisal was to be done, I called the appraisal company and cancelled the appraisal, so the appraisal never took place. Since then, I have requested twice that LoanDepot refund me the {$200.00} I paid for the appraisal that had been cancelled. To this day, LoanDepot has refused to issue me a refund.
Non authorized charges to my checking account using my debit card number. Called same day the charges happened and said will be two days to get the charges reversed. Fraud department has not called me and when I call in can not talk them directly always get will call you. Three days have gone by with no emails or phone calls. The money in my account was there to pay mortgage and electric which I did online before this happened. Have not heard from them yet. Do n't understand how the charges went thru with out any questions being from an Airline overseas.