WillisBack/dataset-financial-user-claim huggingface dataset:
I ca n't negotiate a payment that I can afford Navient keeps pushing me to use the forbearance option as I do not qualify for deferments or other payment options. Last week they told me to consider consolidation and it would give me more forbearance options. I also blame the college because instead of offering me enough money to pay for tuition and associated costs they always said you can take up to such and such an amount. I always accepted the higher amounts because I was broke and saw this money as a way to breath easier. However now I realize it was irresponsible of them for tempting me and also on my part for falling for it.
USAA WAS PAID FOR BALANCE DUE, ON MY XXXX XXXX XXXX. THE VEHICLE WAS INVOLVED IN A TOTAL LOSS COLLISION, XX/XX/2012. A CHECK TO USAA WAS ISSUED BY MY INSURANCE COMPANY, XXXX XXXX. THIS LOAN WAS NOT WRITTEN OFF!
The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called Zenco and they are based out of XXXX Texas calling regarding a debt from XXXX XXXX XXXX, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with XXXX XXXX XXXX , XXXX , years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas Attorney General and Texas Secretary of State, this bogus company is calling ALL of my relatives. Based on Attorney General 's office and Secretary of State, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against one 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.
Your case ID is : XXXX My name is XXXX XXXX and my account has been limited with {$430.00}. I was advised money held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I tried withdrawing funds and it wouldn't allow the transfer
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
To Whom It May Concern, I am writing to you again in hopes of seeking assistance and/or direction. I have not been successful in trying to workout a plan in getting my mortgage current or modified. I have REPEATEDLY sent in the docs requested via fax and email ( using XXXX different fax machines ) and EVERY follow up call I make to SPS the response is the same, " we did n't receive your docs or we received your docs but not all of them. '' I am seeking some direction. I have done exactly what was asked and I I still seem to get no where. My concerns is I will be served with a foreclosure notice and I in the process I am accruing fees and penalties. 

I have not been able to ever speak with my 'SPOC ' as she is never available. I did receive XXXX messages from a XXXX XXXX ' in the Consumer Dept. but when I return the call the office is always closed. 

Thank you for your time. 
Sincerely XXXX XXXX Dear Sirs, My mortgage is serviced by Select Portfolio Servicing, at the end of ... 












We 've sent your complaint to the company for a response. 



We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 



You should receive a status update within the next 15 days. 



You can track the status of your complaint at : XXXX. 



New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance XXXX be available to military members or veterans. You can find more information on mortgages at : XXXX Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX ) On Monday, XXXX XXXX, 2016 XXXX XXXX, Consumer Financial Protection Bureau XXXXXXXXXXXX XXXX wrote :
This complaint is connected to a previous answer to a complaint from TD AUTO FINANCE LLC., XXXX XXXX XXXX, XXXX , XXXX , XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX. I contacted TD AUTO FINANCE LLC. on Monday, XX/XX/XXXX, and alerted TD Auto Finance that I believed I had been a victim of a bait and switch scheme and asked if they had funded the loan and they said " no '' it was pending and they would make a note in the file about the situation. I contacted them again on XX/XX/XXXX, and they said the contract was still pending so, I suggested they hold the funding until I was satisfied with my complaint with the Better Business Bureau and the Consumer Financial Protection Bureau. I received a notice today XX/XX/XXXX, that TD Auto Finance LLC had rejected my complaint and funded the vehicle anyway. Since I am the Consumer I should have a say as to whether I want TD Auto Finance to fund the vehicle or not. Since TD Finance chooses to go ahead with the financing I have no choice but to defer the first car note until the matter is litigated.
XXXX XXXX XXXX & Citi Bank are using their significant market power to discriminate against customers based on lawful firearm related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. Lawful activities in accordance with U.S. Constitutional rights should not be discriminated against!
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
I was attending school at   XXXX   XXXX   XXXX  , when they abruptly closed in    XXXX   XXXX     . I have tried contacting the lender and third party lender about the situation. I never completed my program of study, nor received any credits from the year I was attending school. All they can tell me is that since it 's a private loan, there 's nothing they can do. While attending, I made payments towards the loans. I have  XXXX  loans opened in my name when I should have only had  XXXX . So now I 'm stuck with about {$15000.00} debt for something I will never see. It is very discouraging and I have n't had a chance to even start school anywhere else yet because I 'm still dealing with this problem. I 'm almost   XXXX   XXXX   XXXX   and I can not have this. It 's hard enough knowing that I might have to be a   XXXX   for the rest of my life. I really wish someone could help me instead of transferring me to someone who might be able to help or giving me another number to call that does n't even pan out. I 'm at the end of my rope. Please help!!
Bank put a retroactive 60 day freeze on account. Said freeze would be lifted if I submitted statement from bank the funds came from to the fraud deaprtment whhich I did several weeks ago but the freeze was never lifted. After the 60 day freeze was up they still will not let me transfer money. They say the fraud department is still working on it but will not say why. They will not call back. They will not answer e-mails. I have called several times over the last 4 days ( XX/XX/XXXX-XX/XX/XXXX ) with the same zero results.
I have three federal student loans currently in default status. I was contacted by National Recoveries collections agency in XX/XX/XXXX stating that their office had received my loans and would like to offer their rehabilitation program to get my loans back in good standing. The program involved me making 10 consecutive monthly payments, after which my loans would be turned over to a new lender. From there i would be in good standing and begin making payments to that lender. I was told that in order to get started I would need to provide my income information to determine the amount my payments would be. I did so, and was given the amount of {$98.00}. This amount would be auto drafted from my checking account on the XX/XX/XXXX of each month. I provided all of this information over the phone, never receiving or provided anything in writing. I was informed that this program would be validated with an official agreement, in which i would receive by delivery service, then sign and returned to their office. I never received any such agreement from the collections agency. However, in XX/XX/XXXX the first payment of {$98.00} was drafted from my account. I did not contact the agency at that time because I thought that at some point I would received the agreement, and I was enrolled in the rehabilitation being that money was taken out of my account. The payments of {$98.00} was then also drafted from my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a call from a rep with the agency stating that I needed to provide some additional financial information to determine my monthly payments for the rehabilitation program and to sign an agreement. I asked for a further explanation for this request. I was told by the rep that i was not currently enrolled in the rehabilitation program because I only provided one check stub for income verification and I had not signed an agreement. I first asked the rep why it took this long for someone to contact me if there was additional information needed. I then also asked why has money been drafted from my account for 5 months if I am not currently enrolled in the program. He replied by saying the 5 payments of {$98.00} that have been made were going towards my principal balance, and my 10 month program would start once I provide two of my most recent check stubs and sign the agreement letter. I informed the rep that this is some completely different information than what I had received initially. I was only told that my payments of {$98.00} would be for the rehab program. I had no knowledge of my payments going to a principal balance and that I was not actually enrolled in the program. The agency clearly made no efforts to send me the agreement letter, nor make me aware that I was not previously enrolled in the rehab program. However, they were consistently drafting money from my account. It is only now that I am being informed that my payments are going towards something other than what I was told in the beginning. This is a dishonest attempt to collect a debt.
CapitalOne won't let me connect my personal finance service/benefit to my CapitalOne account to help me track my spending. 

As a consumer, I have every right to access that information using services I deem appropriate.
Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance. 
Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}. 
Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX. 
I have contacted XXXX and they have no knowledge of a past due account.
I have a credit card under my name and there has been purchases made in New York and other states for the amount of {$31.00}. I called the company to file a complaint and canceled my card. I was told that I will receive a new card shortly and that they would open an investigation. Today I entered my account and found that other transactions are still being made. East bay for the amount of me {$210.00}, XXXX XXXX XXXX amount {$13.00}, XXXX XXXX XXXX {$13.00} these transactions were placed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX another transaction took place for the amount of dream chasers for the {$150.00}. Transaction on XXXX XXXX, XXXX for the amount of {$31.00} in XXXX XXXX in newyork. I believe I am a victim of identity theft because I reside in XXXX XXXX and all these transactions took place in the united States. And I havent authorized these purchases.
Being a XXXX man I pay all my bills on time and have no bad lien against me and trans union kept giving me poor credit score.
Washington Federal bank closed my Simple Checking accounts last week on XX/XX/2016 without any warning and gave no reason for doing so. The biggest problem is they have around {$5500.00} of my money that is XXXX % of all that I had leaving me and my family in financial trouble as we have bills as well as property taxes to pay that we now do not have the money to pay. Also I had deposits setup to go into my bank accounts that were rejected and I 'm having problems getting those funds as they are in cyberspace right now and I 'm not even sure I will be able to get them at all! I have never had something so ridiculous happen to me with a financial institution as this and I have been a member of many other banks..
This is an issue with Santander Consumer ( auto lender ) who is constantly reporting a negative balance of XXXX that has been charged off. I 've paid the full principle balance of the loan. There was a dispute concerning late fee, but Santander never provided any documentation justifying any fee 's
My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/XXXX, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/XXXX ; however, XXXX is refusing to remove the delinquent status from my credit report.
On the evening of XXXX I received a text from XXXX XXXX advising a hard credit inquiry had been made on my XXXX report by XXXX XXXX, ID XXXX with contact of XXXX. They further inquired if I had in fact had applied for credit with XXXX on XXXX. I have NOT made any credit application on the date of XXXX with XXXX
The Owners/Parents both XXXX XXXX within the last year. Probate court just finalized and the children are now the new owners ( XXXX kids, 25 % each ) OCWEN will not allow any of them to discuss the matter of the property because the now XXXX parents did NOT give them proper authorization. The sale date is today X/XX/217 at XXXX. Ocwen will NOT allow probate paperwork to be provided. 

Owen is working in poor faith to resolve this matter. They are requesting 3 Business days to review documents, but they are trying to foreclose within the hour.
The company, Alliant Capital Management LLC, harasses me by telephoning my cell and work numbers and my relatives continuously. The messages left on my phone has been " this is a courtesy call, documents are being filed today in court against you ''. I did not return their unwarranted calls after viewing the company 's reputation on the Internet. If was only after my relatives complained about the calls that I called them back. I insisted that the company needs to be send me a letter concerning any alleged debt to my home address via US Postmaster. Instead, I received an email stating that I had agreed to a payment plan and that they had my bank account information. The email mentioned the original creditor of " XXXX '' which I found out was a payday loan company which is illegal in my state of residence of Georgia. I am sending a certified letter today prohibiting further contact from this company by phone calls. Also, I clarified that I dispute the validity of the alleged debt. In addition, I notified my banking institution of possible fraudulent behavior.
I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying not to be forclosed on. I feel like this lack of communication between US Bank and I is being done to forclose on my home. Along with other unorthodox bussiness practices and procedures is unconscionable to people like me and my situation. I 'm sure others are going through these same hurdles as me with US Bank. I believe their business practices is done intentionally and widespread. Something needs to be done, because this is an injustice on people with hardships trying to save their home and because it is very time consuming
On friday XX/XX/XXXX i received a refund from XXXX of {$290.00} using Paypal as the way i pay for the service. Cause i had a opened request from XXXX. Paypal hold the payment for the amount of {$230.00} without my permission ; ask or way to solve the problem. Cause that money wont belong nobody but me i think like customer im naked without any protection. I tried to contact the parts but like u already know Paypal and XXXX had shadys ways to help u. Im very frustrated cause i lost the money and i want to help other people dont have to suffer this experience. We need like customers any kind or regulation of those websites, theyre work in completely free will.
I purchased a vehicle from Heritage Acceptance Corporation for XXXX. I was having a lot of problems with it so it gave it back to them and decided not to keep it. 
Heritage Accept. reported that I did give it right back to them, However, they immediately sold the vehicle for more than what I owe. Now they are reporting on my credit that I owe them XXXX. They also filed a XXXX in the amount of XXXX. That is not accurate. This is fraud. Now that make me have XXXX. 
unreported income. This is not right. Please help me with this matter of unjust fraud
They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name!
GMAC Mortgage company is reporting a bankruptcy write off in XXXX, XXXX. The bankruptcy was filed in XXXX XXXX, discharged in XXXX XXXX and paid in full in XXXX XXXX. GMAC sold the mortgage in XXXX XXXX and was not even a party in the discharge. XXXX XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XXXX XXXX.
I had a account with Bank of America and had checks written that I did n't write but everything was paid off but still red flagged me and I ca n't open account at any bank but account was closed and paid off. Just would like to open a checking account again. It has been 4 years since I had it. Thanks  XXXX   XXXX
This is a follow up to complaint XXXX. Yesterday, a full month after I submitted a complaint because Bank of America, among other things, sent a debt collector to my home and put correspondence on my front door, sent another person to my house and put the same correspondence on my door again. BofA referred the matter to their outside counsel who wrote me a response that does not address any of the issues raised. They need to stop sending people to my house. Doing it a second time, after I filed a complaint about it, constitutes harassment and intentional infliction of emotional distress. If the Bank does not address my issue ( and punting to outside counsel who send an unresponsive letter, and who fails to respond to me when I follow up with her ) I will file suit.
Speedy cash opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are XXXX  XXXX XXXX XXXX I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again. 

This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
On XX/XX/XXXX there was an unauthorized charge on my credit card for the amount of {$6000.00}. I opened a dispute with Capital One and they credited my account while the dispute was investigated. On XX/XX/XXXX they reverse the charge back to my credit card and didn't submit any supporting documents of my authorization to the charge. I requested the dispute to be reinvestigated in XX/XX/XXXX and till this day they still haven't provided a response.
Original dispute case number unwilling to correct Describe what happened so we can understand the issue ... 

all fraudulent inquiries : XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX BK XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXBANKXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXXBANK XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.