WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm having a serious issue resolving a collections account with a balance of {$810.00}, reported by XXXX. The outstanding balance was reported on XX/XX/2011 and last reported on XX/XX/2011. During this time, I was still in XXXX, Texas where I was stationed for XXXX, and still covered by XXXX. I am not responsible for this debt, nor do I recollect ever being at a XXXX or receiving a bill for this amount for any XXXX treatment. This was falsely and unfairly reported and wish for this to be removed. The Debt was sent to be collected by COLLECTION CONSULTANTS OF CALI.
I had a card with citi closed acct to open a citi rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. Citi sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and XXXX said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to citi for proof of debt and I get nothing, I paid anything I owed citi and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo in an effort to assume, modify or refinance a loan so I can keep my home. I have submitted documents as requested yet the lender is stating that they have not received the documents and or it has not been processed. My aunt recently passed away and I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland.
XXXX has possibly made an account that was not requested by me that showed up as a hard inquiry on my XXXX XXXX report. I just got XXXX XXXX  a few days ago and it showed this XXXX account was created on XX/XX/2018 which I did not initiate.
Not sure if I selected correct description. I contacted this company to see if they would offer a settlement offer on XXXX/XXXX/2016 the offered to settle for 50 % of debt that must be made with in four payments I did make all my payments online making what the box for payment amount asked me to make. I made my last payment on XXXX/XXXX/16. Here is payments and amounts I made according to bank statements XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$60.00} XXXX/XXXX/16 {$54.00} XXXX/XXXX/16 {$43.00} I will attach copies of what I got from their website on XXXX XXXX, 2016. Their payment state different dates than what my back states as payments. I contacted credit bearus cause this account is n't showing paid and also called first national collection bureau, inc and they are telling me that I did n't make all payment to clear this account and I told her according to records and their website all is paid. so that is why I am filing this complaint I would like this to be settled.
XXXX XXXX failed to take themselves off of title with the DMV when they received a payoff on the vessel of {$26000.00} for my XX/XX/1999XXXX XXXX when Bank of America purxhased the installmemt loan from XXXX XXXX. See attachment document as to the specifics of the damage that was caused by this oversight.
Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.
i went to pep boys and applied for a membership credit and asked for services as they did a terrible job and dismantled performance to my XXXX. i had complaint to supervisors as they refunded and i had to return to a different pep boys as they couldnt fix the issues. i had to as well complaint to the XXXX of the services as well had to complaint to head quarters of pep boys as they said they would take care of issue. they did but now they put a collection on my credit report as they said they took care of issue which is a strong slander as they never sent letters and breached my data and persnoal information. the damge to the vehicle was bad they had to lease a new vehicle as the performance was not working proper.
I need to give some personal financial / health background information previous to this auto loan with Capital One.
 XX/XX/XXXX  filed BK/discharged  XX/XX/XXXX  During process of BK I voluntarily surrendered my car I had at the time. Also during this time I was on CA SDI ( XX/XX/XXXX  ) - made the choice to surrender my car - I was out of work, could n't keep up with payments In  XX/XX/XXXX  I attempted to return to work. I then needed a car this is when I obtained the auto loan from Capital One  XX/XX/XXXX  I was I was placed on total and   XXXX   XXXX   (   XXXX   XXXX   ) through Social Security. Unfortunately this was one month after I received this auto financing through Capital One. I have been struggling since then with my payments.  XX/XX/XXXX  I placed my payments to Cap One on an automatic payment schedule.
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I am on reduced income causing me to have very little money after I have taken care of my basic necessities I have organized my finances in order to be able to continue with my payments to Cap One ( as stated above ) however the issue now is I am 4 months behind with additional late fees accruing, etc. as well as receiving collection letters informing me they might tack action to repossess. All of this causes additional mental and emotional stress to me which is not healthy for my condition.
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I will provide any documentation needed to the best of my ability.
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Thank you.
I was contacted my a member of Richard Sokoloff 's office who threatened to sue me regarding XXXX outstanding debts ( less than a year old, less than {$300.00} each ). I was not notified via written mail details of the debts they were collecting to attempt, or over the phone. Due to the fact I was caught off guard by her phone call and scare tactics, I provided my credit card information to her over the phone. After researching the XXXX name, Richard Sokoloff, I realized that there are many outstanding complaints on him and that he was in fact censured and has been been disciplined by a state licensing authority. This office needs to be shut down, before more consumers are hurt and taken advantage of.
Citibank who issues a card for Home Depot would continually issue late fees when payments were submitted on time. Would have to call regularly to get fees rescinded. Finally had it with this credit card company, called and cancelled card. Entire amount was paid off. Company continues to send statements with minimum late fees of {$2.00}. They have their robocaller calling me every day to collect the amount due. Called the company several times. They will not remove the fees, talked to a " manager '' he said he could only remove {$2.00} of the fees not the other fees they have charged to the " closed '' account. Am receiving monthly statements with the minimum fee added of {$2.00}. This is the worst credit card company ever in my experience.
I purchased my home in XXXX XXXX. In XXXX I experienced economic hardships which caused delay in mortgage payments and eventually my payments were not accepted as of XXXX XXXX. As a result, I received a letter around XXXX of XXXX for the foreclosure of my property. My mortgage was sold multiple times with XXXX being the initial lender in XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX did not give me a fair shot at a home modification. I believe I was treated unfairly with no regard to me losing my home despite of attending several mediations. The attorney for XXXX XXXX XXXX was adamant about pursuing a foreclosure. He was not willing to work with me. 

During mediation, I was given an option to apply for a home modification. My application was denied several times. They denied my first application for making too much money. They denied my second application for making too little money. They denied my third application prior to the date in which they said it was due. As a result of their denials, my case went to trial for a foreclosure judgement against me. 

My house was sold in a judicial auction for $ XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suggested I pay $ XXXX. XXXX XXXX, XXXX are claiming to be the new owners of the property. I believe I was discriminated against at the onset of this process. I was told to submit paperwork over and over, I did and to no avail. I attended mediation with legal representation and made numerous efforts to save my home. I was gainfully employed and able to make payments. Despite all of this, they have not budged and continue to pursue foreclosure. This foreclosure process was fraudulent to begin with. The home modification suggestion offered to me was a scam to obtain more money. This has caused so much stress and health related issues. I am a working union tradesman with funds to save my home.
I had an overdrawn account with XXXX XXXX who left the account open and still overcharging me for hundreds of dollars for it. They called PNC Bank and told them not to give me a debit card which is catastrophic to me as I am going back to New York with {$5000.00} cash to live outside as I always did for 25 years facing XXXX at night as I was XXXX and XXXX at night in both XXXX XXXX as well as XXXX XXXX, my hometown as I was sleeping outside. I tried to sleep with my old father at the ATM in XXXX, just to survive when the wind chill was below zero and the police illegally XXXX me and my father in 1999 for XXXX XXXX. I still have a XXXX XXXX in XXXX County, but have to return there for survival. Now, since I have a criminal record I am being discriminated in both of the two banks PNC and XXXX XXXX who did this once before by keeping the account open make it impossible to get a debit card. It is dangerous for me to go to NY with {$5000.00} cash but I have no alternative to this and no bank will offer an immediate card for my traveling except XXXX XXXX in XXXX XXXX, NY but I am in XXXX hoping to go to XXXX so how will I do that as far as holding the money without a debit card where I pay for all my purchases.
Midwest Recovery Systems keeps renewing the debt. The last activity on the debt was in XXXX. At the time the debt should have cleared from my credit, Midwest Recovery renewed the debt and shows it as a new account that is in collections.
Cancelled XXXX XXXX account on XX/XX/18 at XXXX. Spoke with XXXX at XXXX XXXX to cancel services effective immediately and pay final amount of {$210.00}. Conf # : XXXX. 
XX/XX/18 : Received collection notice from Radius Global Solutions regarding an account balance of {$94.00}. I paid this to avoid this amount reporting to the credit bureaus. 
XX/XX/18 : Attempted to speak with XXXX XXXX. I spoke with Customer Service agent XXXX who stated this account balance was to pay for XXXX. She was unsure why no bill had been sent prior to the collection notice. Spoke with XXXX who stated that she would " notate '' my account. 

I have attached my final XXXX bill as well as the collection notice. I have also attached the XXXX bill showing that I have paid XXXX directly as cancelling with XXXX on XX/XX/18 " unbundled '' with XXXX.
I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and me.
On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer.
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.
XX/XX/2019 Experian PLC I have had problems with credit report abuses. I found I could put a freeze on my credit reports. Because of the problem I wanted to put a freeze as soon as possible on my reports. 
We are retired and are full time cruisers on a small yacht. We are currently cruising the XXXX until XXXX when we will return to the States. 
I had no problem setting up my freeze with XXXX. When I tried to set it up with Experion, It refused my request and told me that I had to send information in by land mail and they would review it. 
We do not have access to safe land mail out of the XXXX so I tried to contact them via email but they do not provide an email for that contact. 
Now, I can not secure my credit report from fraud and being that they are one of the top 3 reporting companies, we as consumers, are required to deal with them. Yet, they refuse to allow me to contact them via the only method I have available and refuse to allow me to freeze my account and make it safe. With an email contact, I could send them whatever information they need : ie. Drivers License copy. But, they refuse to do so. 
I consider this a violation of the Legal aspect that binds them and want to file this complaint.
I paid a medical debt on my credit directly to XXXX XXXX XXXX. I have informed both XXXX XXXX XXXX of the payment as well as the 3rd party company Eastern Account Systems. I was promised removal of debt from my credit reports XXXX, XXXX  and XXXX upon payment. I want the negative remark removed from my credit because its damaging my ability to purchase a home and obtain new credit.
It is with great regret that I must continue to complaint to you regarding the treatment I have received from XXXX and SPS servicing. Inc. 
I have submitted various loan modification packages to no success. I must explained that I have experienced a financial hardship for about five years ; as a result I defaulted on the mortgage for my primary residence. This was also due to the incompetency of XXXX XXXX XXXX and SPS servicing. I was also financially injured as a result of their incompetency and miss interpretation. They have ignore my packages and request for a resolution. They have provoke for me to incurred this debt. I had to file bankruptcy. I still presently occupied this property with my family. I fell apart with the economy including loosing rental income from my XXXX XXXX business. I have had quite a journey. 
I am now recovering and trying in the worse way to come to a resolution with SPS servicing. I am XXXX   XXXX  as a XXXX. I am fighting this economy and succeeding. SPS Servicing has claim that the Private investor on this account had recommended a payment plan that is ridiculous. It actually injures me more. They are not willing to a decent resolution. Please review my financials for I need to keep my home. 'This is affecting my family. 
I have gone as far as doing a forensic review through XXXX XXXX  XXXX XXXX. 
I have attached the report for your review.. It is my understanding that No mortgage assignment was recorded indicating the mortgage lien was ever assigned to XXXX XXXX. On 2009, XXXX XXXX filed a lis pendens and foreclosure lawsuit against me. XXXX XXXX. 
The lis Penden and foreclosure complaint indicates the mortgage assignment had not been recorded with XXXX county Clerk prior to commencement of ligation .XXXX XXXX, XXXX XXXX XXXX di not endorse the note. THERE ARE NO MORTGAGE ASSIGNMENTS RECORDED FROM THEM. 
I also understand that SpS Servicing can not foreclosed with out recorded assignments. I am in the process of trying to find a competent attorney to handle this matter.
I tried emailing and calling years ago to understand why my total payment was not going down. I did not receive any quality information. The same with my private loans. I have been struggling with my loans and when I have extra money I put it into the loans. I 've even called to tell them to put it towards principal which was ignored on both federal and private.
I sent a certified letter to Allied International Credit Corp in reference number to their debt ref number XXXX. The debt collector ( XXXX XXXX ) failed to validate the debt after 30 days. Debt collector is continuing to contact me and is in violation of the FDCRA. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
I opened a Wells Fargo checking account with an introductory bonus offer of {$250.00} for makin g 10 debi t transactions. The debit transactions were made, but there was no bonus offer to be seen. I feel that I was unfairly misled by Wells Fargo.
My State income tax refund was garnished and my bank accounts have been garnished. I do n't know what this is about. I have n't received information about this. To whom I supposedly owe money, how much, when etc ... I have tried to contact Hirshberg Acceptance repeatedly with no success.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX XXXX Account # XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? Thank you Sincerely,
I had an account with Bank of America, I was applying online for jobs and I received an interview for a customer service position ; I was told that I will get sent a check to purchase items for the job. Once I received the check I deposited and Bank of America informed me that the check was a fraudulent check I told them what happen and I received XXXX msg fees because XXXX pending transactions posted ; the rep informed me to write a letter exposing what happen and pay the fees and nothing would be reported to XXXX but I will not be able to open another account with them, I did What he told me and assumed I was told the truth years later while in the process of buying a home I 'm told that I was reported to XXXX as a fraudulent account this is not my fault I thought that this was a legit work from home job as I 've worked for XXXX for years ... and the representative at that time told me I would be okay ; it should not be okay to be lied to I do n't owe Bank of America any money and now I 'm being block from providing for my family because I thought my Bank would protect me but I was lied to did what I was told never committed any fraud ; all because I deposited a check that I received in the mail to to start a job that I thought was legit.