WillisBack/dataset-financial-user-claim huggingface dataset:
15 years ago I went to school when my wife and I had gotten married and we had our XXXX child. I decided to take a step further and a passion that I love and went to a place called XXXX XXXX which was a one-year course. The amount of money was for the course and I took XXXX Stafford Loans out along with the federal student loan for the college that I would have to repay after graduating. College was non-transferable to actual college credits and upon graduating found out the counselor was not doing their job and actually throwing away our resumes and never did job placement. I denied wanting to pay for the college because they did n't follow through with their end of the bargain which they told me they never had to find me a job. I accrued roughly about {$14000.00} worth the debt give or take. I will submit documents to you showing how much money I 've actually paid in. While I did not pay I went into default after going into default I tried to regain structure of the loan it 's been passed off to several different lenders and ended up in the Department of Education hands and they put it in the hands of progressive Financial Services. I paid on it for one year and got myself out of default and then I became ill and was not bringing in very much money at the time therefore I stopped paying on the loan. Times got hard and it caught up with me then became a garnishment and they take up to 26 % sometimes out of my check also income tax garnishment over the years this has created a serious financial hardship amongst our family while we struggled to make ends meet it put a lot of stress on the marriage. I am now in the process of a divorce with XXXX kids and no longer make it on the amount of money that I received for just myself with the deductions out of my check.
XXXX XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that XXXX has posted to my report. They have allowed XXXXXXXX XXXX to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.
I received a phone call from phone number XXXX XXXX XXXX XXXX. the lady said they were sending the police out to serve papers on my wife. I asked what it was about and she said I would need to speak with the attorney handling the case. I was transferred over to a XXXX XXXX who was not a lawyer. He said it was for an old debt that my wife had. He told me that with court costs that it was around XXXX dollars but the would take less. This is after he tried telling me his life story about his XXXX kids, ice fishing which I did not care about. He gave me his number which is XXXX. My wife called and ask them to send the information to our address. With who the loan was with, when it was taken out, what they were willing to take as a settlement. She was transferred to a XXXX XXXX XXXX who refused to do any of that and threatened her with legal action. XXXX XXXX XXXX told her that it was XXXX dollars that she owed with court costs. We have never received any thing on this bill before. The number XXXX has called me since then. I feel this is a scam and that they are very unprofessional. There should be no reason the information shouldn't have been mailed to us. When I looked them up on line the adr lawgroup is out of the west coast. So I looked them up as adr group and found them on several sites like ripoff.com. Which states they are a scam group. there is no mention of this bill on any of my wife credit reports.
Money Recovery Nationwide  is collecting for  XXXX   XXXX   XXXX . in the amount of {$800.00}. I informed them I was disputing it because they were incorrect and I was unaware of this debt on my credit report. The response I received was threatening to garnish wages, said they sent it to their lawyers office already because i was n't able to settle it that day, then the next person I spoke with said they did n't send it to the lawyer. I was also inquiring about a settlement offer and she said sarcastically {$20.00} or so less than the full amount. They refused to give me a print out of what I 'm being billed for, and had contacted my employer which was highly embarrassing, considering my boss answered the phone. When I was speaking with the second individual I let her know that the first woman I spoke with was very unprofessional and spoke with a threatening manor. In the background you could hear the first individual laughing hysterically, and the second woman did n't apologize or even acknowledge it, and just asked what she can do for me. I was crying, and felt like there was nothing I could do. I 'm very scared they will take my money and I 'm currently fighting this debt. I just need help and I 'm unsure who can help me.
I applied for an online payday loan from a company called bluechip financial dba XXXX. This is a tribal lender governed by the XXXX XXXX XXXX of the XXXX XXXX XXXX. 

Borrowed XXXX back on XX/XX/2018 and got approved. I was also on the brink of being evicted and needed to pay my rent plus a late fee. My payment terms for this XXXX dollar loan ... XXXX a month for 8 months and a final payment of XXXX. I agreed thinking to myself that as soon as the principal balance became low enough, I would pay the loan in full to save on interest. I said yes to automatic ACH debits from my account. I didnt realize that after making my payments faithfully for 6 months, I would have to still pay more than I borrowed tp pay in full ... XXXX I have paid XXXX on this XXXX loan so far and can't afford to pay them anymore. I also contacted the dept. Of financial institutions in my state and was emailed that they dont have a license to operate in my state. This loan is therefore ILLEGAL.

I have put a stop payment order with my bank and even though I have three months left on this loan, I refuse to give anymore " free '' money to an illegal and predatory lender who only cares aboit lining their pockets. 

I am also a XXXX XXXXXXXX XXXX patient and need to buy XXXX XXXX meds to manage my condition. I want to enjoy my money, not shovel it to these predators. XXXX for a XXXX dollar loan is ENOUGH. Also, since I put in a stop order for future payments, access to my XXXX account is unavailable. IDK
i have 2 accounts reporting on my credit with Equifax that show a balance. I have provided letters to equifax showing the accounts were paid and ARE to be DELETED from thier reporting. Per Equifax Supervisor XXXX employee ID # XXXX, she stated even though they have received the letters they will NOT CORRECT THE REPORTING. I have contacted the Creditor 's Directly and they have told me that the Reporting was already completed and Equifax was told to Delete the Accounts. XXXX and XXXX  Deleted the accounts on the Same day XX/XX/26, Equifax REFUSES to DELETE or even show its paid off!!!!
Dear Sir or Madam, On or about XX/XX/XXXX, I spoke with an M & T Bank representatives about unknown charges that were being added to my mortgage payments. These other charges are shown on the M & T Bank mortgage statements in section explanation of amount due. I notice that these unknown " other '' charges were being included in my mortgage payments from XX/XX/XXXX- year to date. 

The M & T Bank representative mentioned that the extra charges could be a result of attorney fees being added to my mortgage payments from XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ). 

If these statements are true for any reasons, it is unlawful for a loan servicer to add attorney fees to a homebuyer mortgage payment. Furthermore, My loan was transferred from ( " XXXX  '' ) to M & T Bank in the year XX/XX/XXXX. ( " XXXX '' ) became the first loan servicer of my loan on XX/XX/XXXX.
This debt was included in a Chapter XXXX Bankruptcy and the loan was not reaffirmed nor would the Judge of the Bankruptcy grant a reaffirmation because of the balance. They tried to do a loan modification with me and put me on trial payments, I have {$4800.00} sitting in a Suspense account that they have not applied to my account that i had with them. I have asked that funds be returned to me from U.S. Bank Home Mortgage and they are refusing to return the funds to me. This debt was discharged in my Bankruptcy back in 2012. I spoke with a guy named XXXX I was told that they call him XXXX, who was very rude about the situation, and point blank told me that I was n't going to get the funds back from U.S. Bank and they I should have never sent them in. U.S.Bank is in litigation in the United States District Court for the XXXX District of Florida Case No. XXXX, for charging people for placing Hazard, Flood, Flood Gap, or Wind place Insurance policies on Consumer 's residential property.
I purchased an automobile through XXXX XXXX buyer protection plan, in which I was instructed. to purchase gift cards to cover the cost of the car plus insurance and Oklahoma border fees to ship the car from California. All of this totaled {$3500.00}. The car never arrived so I attempted to get my money back from XXXX and PayPal, because PayPal are the managers of funds. I contacted XXXX XXXX  customer. Service and found that the funds had been spent all except about {$230.00}. Since I did n't spend it and I did n't receive the item that I purchased I am due a refund.
I have disputed it XXXX times and also called the collection card company and they refuse to take it off my report. They said that someone called in saying they were me and they had an attorney. I did n't sign for anything, this is n't my debt, something was bought online.
This matter is pertaining to our Mortgage Company Guild Mortgage who has declined to remove our mortgage  insurance even though we have met the required specifications provided to us by Guild when we signed our opening mortgage documents. The conditions were as follows : Two year payment period with no late payments, the 75 % LTV for which I have described the scenario below : On XX/XX/XXXX, I reached out to Guild Mortgage to inquire about removing our PMI as we were previously told that this is something that would be feasible after two years of making monthly payments. Guild requested an email requesting the PMI be removed for which I sent the request on XX/XX/XXXX. On XX/XX/XXXX they requested another email stating that we were requesting an appraisal to be performed on our property for which they received on XX/XX/XXXX. Guild sent a request to XXXX XXXX for the appraisal to be completed. XXXX XXXX charged us a fee of {$600.00} which is more than the usual {$350.00} - {$400.00} that we usually pay. They did the appraisal on XX/XX/XXXX for which I have attached a copy. They denied our request on XX/XX/XXXX ( attached copy of denial ). We sent in a dispute because it is evident that the appraiser of choice used the lowest comps in our area and do not support the current and true value of subject property. Supporting copy of CMA is also attached for your review. 
Once Guild performed a review of our dispute, they were able to raise our property value from {$370000.00} to {$370000.00} which shows that they are in agreement with the dispute of the appraisal, however ; they only lowered the value enough to be able to deny us again on XX/XX/XXXX. I have also attached a copy of the denial letter for your review. 
I have been a homeowner for over 20 years and have never been late on any of my mortgage payments one single time. I am not saying I have never been in a rough spot, but I do what I can to always make ends meet, and make my mortgage a priority. I have paid thousands of dollars in interest to these mortgage companies, not to mention the $  XXXX I had to come up with out of pocket in XXXX so my Condo would not sell as a short sale to keep my impeccable credit history. It is unfortunate that not until now, I realize that these companies are not to take further advantage and abuse people who have worked so hard to keep up with the ever-changing mortgage industry. 
It is why I ask that you respectfully look in to this matter and find out why Guild Mortgage is refusing to remove my mortgage insurance by using mortgage appraisal fraud tactics to lower my property value and charge the extra interest if the MI is not removed. I have XXXX XXXX coming up and my husband will be the only one working for at least a year. Any assistance from you will be greatly appreciated.
My Social Security number was attacked by XXXX XXXX XXXX for a fraudulent charge of {$930.00} on XX/XX/XXXX. I did n't know charge was on my credit report until I tried to get a loan, then contacted Experian on XX/XX/XXXX. A little research showed they are a fraudulent company, and being sued for these practices. ( " XXXX XXXX XXXX " ) I contacted the credit reporting agency to fix this problem, and they did not remove the charge.
In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.
I refinanced with XXXX XXXX and received notification from then that my loan was transfered back to Seterus for my XXXX XXXX, 2015 payment. When I called Seterus to find out about payment options they had no information regarding my loan. To save myself the headache of not knowing what to do I paid my XXXX payment early to XXXX XXXX. 

I received an XXXX mail package from Seterus around the XXXX of XXXX with information on avoiding foreclosure and a packet to fill out. My mortgage was not late nor in a position for foreclosure so I was confused. When I called Seterus the representative insisted that it was a welcome packet and nothing to do with foreclosure. I insisted that it was not a welcome packet and was basically told that I did not understand what I was looking at. 

The welcome packet came the next day. I called back next day and was told there was nothing they could do about the way my call was handled the previously but that the XXXX mail package I received was something they send to everyone and that I should just ignore it. 

On the XXXX of XXXX I activated my Seterus account with my new loan number and signed up for Auto wthdrawals. The information on the auto withdrawal page said my XXXX payment would be withdrawn on XXXX XXXX. 

Today, XXXX XXXX, I checked my account information online to confirm that my XXXX XXXX payment will be processed and I could not confirm so I called customer service. I was told that they did n't show any pending ACH but that I should call back after XXXX XXXX to followup. I voiced my concern that is after my payment is due and was offered other payment options, none of which would guarantee that my ACH might not hit as well. 

I could not get any response on who processes the ACH requests, whether or not my ACH was received and just in process or how to prevent the possibility of double payments for XXXX if I used any of the other paymen options since they could not find any confirmation of what was going on with my ACH request. I spoke with XXXX XXXX, Customer Service located in XXXX, NC. today XXXX XXXX, at around XXXX. 

My experiences with Seterus so far in regards to my loan so far makes it seem as if they are focusing on putting road blocks in my way to force me to make my payment late. First, not receiving notification of my loan transfer that was effective XXXX XXXX until XXXX XXXX. Secondly not giving me a clear answer on the status of my ACH processing and if my XXXX XXXX payment will be auto withdrawn as indicated on the online submission but instead telling me to call back after my payment is due. Per the representative there was no escalation process for additonal help and callig back or using XXXX of the other payment options with the chance of a double payment were my only options. I am very concerned about the timeliness with which Seterus has handled my mortgage information and that I am not getting correspondence from them until after the fact.
Equifax allowed my information to be stolen in their data breach. They have not contacted me to alert me about the breach, but I learned from the news and confirmed with their tool that my information was stolen - " we believe that your personal information may have been impacted by this incident ''. They sat on this information for 6 weeks, giving crooks plenty of time to sell or trade my stolen SSN, DOB, addresses, and other identifying information. An identity theft could ruin my credit for years to come.
For at least 6 months I have been trying to get a loan modification with SLS. It has been a very stressful situation as I keep getting asked for the same documentation over and over again. I have a foreclosure pending for XX/XX/XXXX and the fact that SLS has not postponed it is endemic of the problems I have endured with them to come to some resolution. What follows is a list of my contact with SLS ' representatives since XX/XX/XXXX : 1 ) XX/XX/2017- I spoke with " XXXX? '' SLS needs my son 's pay stubs. ; 2 ) XX/XX/2017 - I fax son 's pay stubs ; 3 ) XX/XX/2017 - I spoke with " XXXX '' at SLS, she claimed no record of son 's pay stubs ; 4 ) XX/XX/2017 - I spoke with " XXXX '' at SLS states that they have received my son 's pay stubs ; 5 ) XX/XX/2017- I called SLS and asked for " XXXX '' about a letter that I received from SLS on XX/XX/2017. XXXX later returned my phone and indicated that now I needed proof of residency for my son ; XX/XX/2017- I faxed to SLS XXXX of my son 's pay stubs, his driver 's license and XXXX form ; XX/XX/2017 - Spoke with XXXX at SLS and she confirmed that the documents that I faxed on XX/XX/2017 were received by SLS. My loan modification application is on review. 
XX/XX/2017 - XXXX at SLS called asking for son 's last XXXX pay stubs ; XX/XX/2017 - I faxed my son 's pay stubs per XXXX request of the day before ; XX/XX/2017 - I called SLS to check on the loan modification, I was told that I had a new point of contact " XXXX ''. The application was on review ; XX/XX/2017 - Spoke with XXXX at SLS - She indicated that review on modification takes 30 days ; XX/XX/2017 - Received several calls from SLS to my home and cell phones while I was at work. I later returned the message and spoke with a " XXXX '' at SLS. XXXX now wanted that I send a new Social Security award letter, XXXX recent bank statements showing a child support deposit ; food stamps letter. She also said that I should send a new modification application ; XX/XX/2017 - I spoke with " XXXX '' at SLS for a status. She said that my documents were received on XX/XX/2017, but I believe were not uploaded until XX/XX/2017. 
XX/XX/2017 - I received, incredibly, a letter form SLS, dated XX/XX/2017 ( attached ), that my application for " assistance '' is denied because my request ( presumably the application that I was instructed to submit by SLS ) was received too close to the pending foreclosure date. 
I think is unfair for SLS to continue the process of foreclosure based on the above facts. I have done everything asked and provided to SLS whatever document requested despite my duplication of effort.
I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX?
Via a letter dated, XX/XX/2018, Wells Fargo Home Mortgage accused me of a prohibited title transfer of my residential property at XXXX XXXX XXXX XXXX, XXXX, XXXX ( Lot # XXXX as specified in Schedule A of Open-End Mortgage Deed ) and threatening mortgage note acceleration and foreclosure. 

On XX/XX/2018, I provided to WFHM, XXXX XXXX XXXX, XXXX land and tax records certifying that title to XXXX XXXX XXXX XXXX , XXXX, Ct-Lot # XXXX had not been transferred. Further, in conversations with XXXX XXXX, Executive Resolution Specialist ( XXXX ext XXXX ), I requested a complete explanation of the errors identified in WFHM policies and procedures which resulted in the threatened foreclosure of my residential property. At this date, WFHM has acknowledged that a prohibited title transfer for Lot # XXXX has not taken place but has not provided any explanations for its errors or outlined steps to prevent future occurrences. 

Copies of all documents provided to WFHM can be provided.
There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX
I am writing presently in wish to receive your help. At the present time I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant role in this procedure. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.