WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Wal-Mart credit account with Synchrony Bank. I went on an unpaid medical leave from work in XXXX, 2017, and lost my job in XXXX. I have filed an XXXX claim that is currently in appeal, and I have no income. I 've been making small payments here and there when I can, but with no income, that 's not very frequently. I 've answered their calls and explained my circumstances several times. They 've gone back over old account notes and confirmed my information and situation numerous times. Recently the calls have become harassing and accusatory. They ask why I do n't have a new job, when do I think I might be able to become a productive member of the workforce again, do I have friends or family I can hit up to pay my bills, etc. I 've made it clear that I will resume normal payments as soon as I can, and if they look back over my account they can see I never missed payments while I was employed. They have threatened to send the account to collectors hoping to scare some money out of me. I explain that I understand it 's their job to try to get me to pay, but I ca n't pay with no money and I understand if they have to send the account to collectors. For about a week now, I 've been getting calls from them every few hours every day.
After a lengthy divorce, I had fallen behind on my mortgage with XXXX XXXX XXXX and was forced to file Chapter XXXX bankruptcy. During the bankruptcy process, XXXX sold my loan to XXXX. I emerged from bankruptcy in XX/XX/XXXX with XXXX agreeing with the court that my mortgage was current. I made my XXXX post petition payment to XXXX in XX/XX/XXXX. XXXX applied the payment to XX/XX/XXXX. I was still in active bankruptcy XX/XX/XXXX. My XX/XX/XXXX payment was misapplied to XX/XX/XXXX. I continued making payments, and never missed a payment, but the payments continued to be applied to an arrearage that did not exist. XXXX continued to assure me the matter was under review, but at one point went so far as to put me into pre-foreclosure. XXXX also never updated my status to show I had emerged from bankruptcy. I made monthly payments to XXXX until XX/XX/XXXX, at which point the sold my loan to Nationstar without having resolved the issue. Nationstar now shows me roughly {$8000.00} behind in payments and wants me to agree to a loan modification, which I have not agreed to do. Nationstar says they continue to investigate, but now they have people taking pictures of my house. I have not missed a single post-petition payment with either XXXX or Nationstar since I emerged from bankruptcy in XX/XX/XXXX.
I am currently working with XXXX XXXX Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. 
They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least XXXX over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. 
We have submitted paystubs again because they can not read what was sent. 
This time we have faxed again and submitted a hard copy priority mail. 
With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents and they can read them on a XXXX way call. 
They change the point of contact and say they need more and now thethe point of contact can not communicate with my HUD agent. 
Which is really confusing when she has a XXXX party approval. She is myHUD representative. They even had us fill out XXXX party forms XXXX because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with XXXX part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. 
Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. 
My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. 
I work anywhere from XXXX to XXXX hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help
Received a garnishment notice from my employer. I was working with the finance company and trying to set up a payment plan. The loan amount was {$3500.00} and I had paid approximately $ 400- {$500.00} towards the balance and they submitted the garnishment to my employer. They have already taken {$1900.00} in garnishments to date. I NEVER received a demand letter or notice of garnishment from them. Please help
My bankruptcy is showing as " Dismissed with XXXX  and Experian. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy
A total of XXXX fraudulent accounts opened with Synchrony Bank including Lowes, Home Design, Walmart DC, Old Navy, PayPal, and Amazon. The Lowes account was finally removed from my XXXX report. The Paypal and Amazon accounts were sold XXXX, and they are harassing me for payment. These accounts are not mine!
Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX
The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.
I have collections on my credit report that does not belong to me, I disputed these items and they were removed from my credit report, Transunion has now put those same collection, derogatory reports back on my credit report, after having relentless conversations with them and them asssuring me that they would be removed once again, they are still on there and still remains
I contacted XXXX around XX/XX/2017 concerning my spending ability increase. XXXX XXXX stated that my spending ability is set to {$5000.00}. I just checked my account today and that not the case.
I disputed a charge for {$1900.00} in XX/XX/XXXX. I went through the proper channels with Chase and received a credit. The vendor then charged me {$1900.00} again two days later, and I disputed that charge as well. I waited two billing cycles, and received assurance that the disputes were ruled in my favor. The vendor then charged my credit card for {$1900.00} again. I went through the dispute process again, received a credit again, and again was told the dispute was ruled in my favor. The charge for {$1900.00} then reappeared again in XX/XX/XXXX and Chase told me they needed 30 more days to research the situation and I 'd receive notice in the mail. Since that time, my contact at the Chase executive office has stopped returning my calls and I have n't received anything in the mail. The charge for {$1900.00} is still on my credit card and no one at Chase can explain to me why it reappeared. It 's now been over 5 months since I disputed the original charge, which I believe is in violation of the Fair Credit Billing Act.
Repeated attempt to collect a debt that is not mine. Claims to be looking for XXXX XXXX. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : XXXX XXXX XXXX
In XX/XX/2018 someone at my previous address opened a XXXX XXXX   service in my name. The bill came to my current address and I called direct tv to tel them know it wasnt opened by me. It was a fraudulent account made by the new tenants at my previous address. I got a police report and a verification letter from XXXX XXXX and they closed the account. I sent the letter and police report and letter from XXXX XXXX but equifax did not dilete hard inquire and Ive disputed this over 4 times. My wife didnt have a proble getting it removed off here credit from Equifax but they are not working with me.
On multiple occasions I have spoken with Navient in regards to my student loans. They kept differing and putting my payments into forebearance instead of giving me other options or helping me.
I started to file bankrupcy but decided not to so i never went to court and it was dismissed. I looked up each credit agency and followed the steps to dispute it several times, but never got to the submit! I have tried for a couple of months now. if the bankrupcy was dismissed it should not show that i went to it.
When I first diputed the account XXXX XXXX I get the reply that I have no obligation letter towards the debt. And when I disputed the debt with written letter I got the reply from them stating to dispute provide docs ..and again I disputed I got no obligation letter this is confusing unable to understand I have any obligation towards the debt or not
I have received phone calls from I.C. System. I explained to them plenty of times that they have the wrong person. They asked me to verify my personal information which I responded with a " NO ''. I also said unless they tell me the nature of the debt I will not disclose any personal information. Now I see I.C. System on my credit report with a address I never lived at my entire life. Which is XXXX XXXX XXXX XXXX, XXXX, Ny. I never lived there in my life. I want this debt and address removed from my credit report immediately.
TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my credit file and it was reinserted without my knowledge. The information still has not been validated or verified by the credit reporting agency, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX and XXXX XXXX XXXX are both operating illegally because they are not licensed in the State of Texas as a Collection Agency. I have contacted my State Secretary with the names and addresses of the collection agencies that are reporting this information and they are not licensed. I have attached proof. Despite all of these things, this credit reporting agency still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting
paypal is charging my paypal credit instead of the preferred payment settings, which is my checking account, they started doing this once I got the credit card and the preferrerd payment is set to checking account, they stated so internal security would let it go through my checking account so they choose to use the credit card, started back in XXXX of this year, my checking account has been confirmed and used before I got their credit card, they doing this to make me pay interest on the card
Our mortgage is with PHH mortgage company. Our house payment decreased yet the mortgage company refuses to take out the correct amount from our checking account. We have it set up as automatic drafting which they control. I noticed the amount in XXXX and contacted them at that time. I was assured that the problem was corrected yet twice a month they continue taking out the old payment which equals to an overpayment of {$240.00}. 
I have requested the automatic drafting be stopped and I will pay it myself but that also has not been done. 
I finally contacted my bank and for a {$36.00} fee they will stop the payment but only for 6 months. My bank hopes this will force them to make the requested changes. 
I am not able to speak to anyone in a position or to that specific department that controls such matters. I feel as if my bank account is being held hostage.
I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.
XXXX XXXX XXXX, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX, XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with First USA Bank, which is now owned by Chase. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX  XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the XXXX XXXX and she was very rude and would not provide any information on rectifying this situation.
I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX. 
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ). 
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds.
I have incurred reoccurring charges on my account for overdraft fees, extended late fees for over thirty-days. The bank claims to have sent letters, which we do not have record of receiving. No phone calls were made to me, nor emails. If finding this out today, they advise me the account will be charged off in 8 days, and they refuse to put a no debt hold on the account.
First, XXXX XXXX XXXX XXXX. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, XXXX XXXX XXXX XXXX. attached a copy of a letter they " supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, Synchrony Bank clearly states that the account was " CHARGED OFF '' ( see letter " Letter from Synchrony Bank stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, XXXX XXXX XXXX XXXX CAN NOT sue me on behalf of someone who was " charged off '' my account. I also do not appreciate that XXXX XXXX XXXX response attached below, referencing that I ever acknowledged that Synchrony is being represented on their behalf. AGAIN, Synchrony stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked XXXX XXXX XXXX XXXX to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX.N.Y. XXXX ) - See XXXX v XXXX XXXX XXXX , XXXX, XXXX Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( XXXX XXXX XXXX Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are " Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. XXXX XXXX XXXX XXXX. has stated many lies, are deceptive, and bully people, all of which while they can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my " Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.
My name is XXXX XXXX my contact number is XXXX. Ultimately in the last 6 months every time I make pymnts and get a few hundred available to spend or less the Walmart Company decreases my credit limit and I have nothing that I can use. I always make my pymnts I'm a good customer I have made a previous complaint and the customer service said there was no reason for this to be happening she said she would report it and have someone call me or contact me and nothing. I was embarresed at Walmart when I went to pay with my card and it was declined because now whenever there is a little bit they drop the limit. I am a good payer and I'm sick of this treatment for no good reason and I don't understand why. You would think if you have a customer that always pays you would treat them right. I want a response please to this complaint and to stop this because frankly I have had enough.
I graduated with an XXXX in XXXX. I learned about the Public Service Loan Forgiveness program around XXXX and spent time researching about the program. I continued to research online over the past 10 years, as there were many forms and changing web pages to read through. I began working with low income families in a XXXX XXXX   in XXXX. As a single mom, I was counting on the PSLF as part of my career of service and retirement plan. On XX/XX/XXXX, my employer submitted an Employment Certification Form at my request and by the end of the month I received a letter from XXXX detailing that I had no eligible loan types for the loan forgiveness program. Unfortunately, through all the research and loan repayment plan applications I had completed over the years, I did not get the correct information to qualify for PSLF. Apparently, my loan types, FFEL, were phased out around XXXX and replaced by XXXX   XXXX. The only option I had was to consolidate my loans into XXXX XXXX. Now my ten years of service starts over and I don't even know if the loan forgiveness program will still exist in XXXX. Both my loan servicer and PSLF Program were not looking out for me. Maybe I could have gotten the correct information about qualifying for loan forgiveness if I would have known what specific question to ask, as I am a resourceful person ( I find information about community resources for a living ). I feel tricked by fine print.
This agency still has my wife 's account listed on my credit file. Enough is enough XXXX states they verified through Chase this account belongs to me which is FALSE information and has hurt my credit rating. Please help me