WillisBack/dataset-financial-user-claim huggingface dataset:
recieved a voice mail around XXXX am XXXX/XXXX/XXXX Some lady said i had been issued a claim by a office booked agsist me. 
She just gave me here name that she had paper work for me to sign and she would come to my home for my signatjres. 
Let the same voicemail to my spouses phone about this. 
The end of the voicemail she gave me a XXXX area code saying to reach the booking party personally for more unforamtion on the legal actions being made. 
I called back twice before XXXX and lady answered ask my purpose told lady i was told to call for mor info. 
She asked my name then to verify my D.O.B. 
From there said the loan company name is pressing a summons for what i owed. After she said i can either make some payment o r proceed to that action. After i told her i wan na speak with my lawyer for how her approach was made
My student loan was with Wells Fargo starting in XX/XX/XXXX. My story about dealing with Wells Fargo is long and troublesome, but in short, suffice it to say I could never get the same answer. 

At the time I was working full time ( and part time in the XXXX XXXX reserves ). In XX/XX/XXXX I lost 33 % of my income and had just discovered I owed back taxes. When deferment ran out I was unable to make full payments. Wells Fargo refused anything but full payment. The IRS and XXXX warned their payments take priority. 

Wells Fargo finally charged off the account, offering settlements. Since I gave ever last XXXX of savings to the IRS, I told them I just want to make partial payments for now and then payments in full when I can. Again, they refused and did so each time after. They demanded payment in full, around $ XXXX. 

Before I XXXX in XXXX and knowing I would have my security clearance renewal, which this would jam me up for, I contacted Wells Fargo and offered again to set up payments and told them I will seek tort relief if I lose my reserves job because they refused to set up a payment plan. They again refused. 

When I returned from XXXX I was one more tax return away from paying the IRS in full. Before I could call them they called me back and offered settlement. I told them all I ever wanted to do is meet my obligation to my original contract. I couldn't do that at first but then I could. It was early in XX/XX/XXXX. 

They accepted and I've been making those payments monthly ever since.However, my credit report doesn't show I'm making payments and merely continues to show charge off each month. Every time I do anything requiring a credit check - including employment ( which I was denied consequently ), I have to explain this. 

I contacted an attorney ( XXXX, XXXX and XXXX, XXXX ) and sent them a letter, and also challenged their reporting at the credit bureau. 

All I want is for my credit report to show I have been making payments never late since XX/XX/XXXX. Wells Fargo refuses.
There is a collection account being reported to each of the three major credit bureaus on my credit file by XXXX XXXX XXXX in the amount of {$7800.00}. This company has continuously called me regarding this debt after I have requested that they communicate with me in writing regarding this alleged debt. After two months I have not received anything in writing from this company. Upon further research of this company, I found XXXX XXXX XXXX is not licensed in the state of Georgia to collect. I contacted the Georgia Secretary of State, XXXX XXXX office and verified that this company is not licensed to collect in Georgia. I also hired an attorney who also verified this company is not licensed to collect in Georgia and advised me to pursue legal actions.
I applied for a kohl 's credit card back in XX/XX/XXXX. My information was entered correctly when applying ( I use a form filling application that enters my personal information on websites ). But I was declined for the credit card because my " social security number was incorrect ''. It still resulted in a hard pull on my credit report, which I called capital one and XXXX to try to correct, and capital one stated that they would get it removed from my credit report, which I also received a letter about. This has still not been removed from my XXXX credit report as ofXX/XX/2018.
MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my XXXX XXXX, XXXX request for escalation. They have refused, in writing, to communicate with me since XX/XX/XXXX, because I authorized them to talk to my law firm at that time. In XXXX XXXX, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my XXXX XXXX fax. They remained silent. 

Finally, on the afternoon of Friday, XXXX XXXX, XXXX, I faxed them the attached letter, which once again lays out the mistakes they made in determining my eligibility for HAMP. It repeats what I faxed on XXXX XXXX, and again XX/XX/XXXX. I am hoping this third try will work, and making this complaint to CFPB at the same time to improve my odds. 

I request that CFPB take note of their HAMP-application-processing mistakes because they are systemic, as near as I can tell, and will have affected thousands of borrowers. The servicer is the rock-bottom least likely to approve HAMPs of those tracked by US Treasury at XXXX I have tried to modify this loan since XX/XX/XXXX. XXXX XXXX XXXX got away with fraudulent handling by handing the loan off to RCS. RCS should have done a lot better than what I report in the attached letter. 

Sincerely, [ name withheld ]
XXXX/XXXX/16 reported XXXX XXXX as central finl control XXXX, next day reported as syndicated office systems same address. They go back and forth to tank my credit score. on XXXX, my report shows account closed from central finl control on XXXX and XXXX, XXXX does n't even show name. now again on XXXX, if the acct is closed, which why are these people reporting when I am paying original debt. why do they keep sending this negative info. to lower my score and no calls, no letters from them.
I recent purchased a car from XXXX toyota and gave my permission to have my credit ran ONCE on XXXX/XXXX/2015. This report came back on XXXX to be a XXXX. Since my application was approved by credit has been ran a total of XXXX other times since without my permission. this has significantly brought down my credit score due to hard inquires which were made fraudulently and without my permission, I would like these hard inquires removed from my XXXX. Since XXXX/XXXX/15 due to these other fraudulent inquires my credit score has when from XXXX to XXXX. Please look into this asap. Attach is the document to show the XXXX report i gave permission at the deal and the other attachment i the hard inquires i did not approve. please feel free to contact me directly. XXXX XXXX XXXX or XXXXXXXXXXXX refer to Case number : XXXX ( this is closed because i didnt reply back in time ) i have reached out the credit bureau but have had no resolution. and want my credit corrected and these hard inquires removed.
To whom it may concern : I initiated a checking account with BBVA Compass Bank sometime near the middle of XXXX ( oldest statement I could find begins in XX/XX/XXXX to XX/XX/XXXX ) Early on into this relationship, I began having difficulties with the relationship with this institution. I had some fraudulent activity on this account, attempted to inform the bank, essentially my efforts to get resolution/help went without any sort of resolution. There is gymnasium near my home, to which I cancelled my membership in full compliance with the membership agreement. Unfortunately, the gym ( XXXX XXXX in XXXX, CA ) would continue to send in debits against my checking account which at {$32.00} was extremely expensive, inconvenient..you name it. One of the NSF ( after I decided to not continue a relationship with the bank ) was for more money than the amount in dispute, and subsequent to my request to close my account. Additionally when I opened the account, I was informed ( as I knew this was not an institution with extensive branches ) that the " closest branch was in XXXX, CA ) I went to the address as showing on the website, only to find that the branch was long since closed ... even thought there was a sign posted near the street, as well as on their website. 

My final PHONE call to customer service was the epitome of POOR service, as the person on the phone had little to no interest in helping me, and went as far to say " that she had other calls to answer '' ... apparently she was in that department with little/ few/ no other customer service agents?? 

Finally after several requests to CLOSE my account, and additional nsf charges accrued since I determine that putting funds in the account would be extremely imprudent/expensive, I received a letter from BBVA Compass that they were closing my account. 

Lastly, they sent this ( alleged money they stated I owed them in NSF charges ) to a collection agency ( XXXX XXXXXXXX XXXX  ) On XX/XX/XXXX, I sent via certified mail ( see attachments ) a letter to the bank as well as the collection agency, both of which were not responded to in any manner. 

( I will address the collection agency matter involved in a separate complaint ) Thank you in advance for your consideration. 

Sincerely, XXXX XXXX XXXX
I went to get a check cashed for services I performed. They refused to cash it. Instead of calling the account holder, they told me to return it to them. This was at XXXX locations. They told me to put it on my back account, although it was a Chasemail account.
I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}. 
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle. 
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes? 
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.
I purchased a XXXX on XXXX XXXX using my Synchrony Bank, XXXX store card. The camera was defective and I returned it via XXXX on XX/XX/XXXX. I have a receipt from XXXX reflecting this and it clearly shows on their website when searched using the tracking number XXXX. A credit was posted when XXXX received the shipment. In XXXX the credit was reversed. I reached out to XXXX twice and both times the rep stated that the item would be researched. I never received an email back or any form of response. Frustrated with XXXX, I then disputed with the credit card company. I provided copies of the XXXX shipping receipt that I received when I dropped the package off in XXXX. They placed a provisional credit. Then around XX/XX/XXXX they reversed the credit and sent me a letter stating that XXXX said that they did not receive a shipment back with the tracking number listed above and that I need to send proof that it was shipped. I have no other proof that the XXXX receipt and the evidence of the shipment back being received by XXXX warehouse in XXXX, KY. I am being defrauded of XXXX, I believe someone in the warehouse stole the contents of the package. I should not be paying for XXXX shrink. XXXX arranged for the return and has a relationship with the carrier therefore shipping terms should be FOB shipping point. In XXXX I placed a total of XXXX orders and XXXX XXXX orders. I am not financially hurting, I have paid little to no interest to Synchrony because I am financially secure enough to pay off my balance and capitalize on 5 % discount when using their card. I do not need to steal or lie from XXXX or anyone. But apparently XXXX needs to rob customer when items go missing between XXXX and the return dock and Synchrony assists since they blindly accepts XXXX word and not take the time to review evidence of check tracking number.Lesson has been learned to not buy electronics or items costing over {$50.00} from XXXX.
I have a student loan from XX/XX/XXXX ( from 20 years ago ) and have paid many XXXX of dollars towards it. This past year alone, I paid nearly {$4000.00}. Last year I paid over {$5000.00}. The servicer is American Education Services. The principal balance is almost exactly the same since it was originally issued. This means that all that I have paid ( $ XXXX ) has gone towards interest and not the principal balance. The interest rate is quite high, 7.625 %, and with a large principal balance ( $ XXXX ), the monthly payments are high and I have done my best to pay them every month. However, sometimes I might miss a payment, or need to go on forbearance for a while ( after losing a job, etc ). This has resulted in any headway I made to be lost ... I have another student loan with a different servicer ( Navient ) that is from XX/XX/XXXX. The interest rate is much lower. The principal balance is about half of the original amount now, after 10 years of making payments. It was easier to keep up with those payments because of the lower interest rate ( 2.5 % ) and smaller principal balance ( $ XXXX ). In summary, I do n't think students should have to pay such high interest rates. In cases like mine, it can make it nearly IMPOSSIBLE to pay off the principal balance. Also, I do n't think in times of financial hardship, the interest rate should be allowed to accrue. Hopefully student loans can adopt these ideas in the future so other students wo n't have to suffer like me. 
Thanks, XXXX XXXX. I love XXXX XXXX!
WHILE MAKING AN ELECTRONIC PAYMENT ON XXXX/XXXX/15 GREEN TREE DOUBLE CHARGED ON THE SAME DAY AT THE SAME TIME MY XXXX XXXX XXXX ACCOUNT # XXXX FOR MY LOAN # XXXX. 
I DISCOVERED IT THE NEXT DAY AND PROMPTLY NOTIFIED GREEN TREE THEY HAD INCORRECTLY CHARGED ME TWICE FOR THE LOAN PAYMENT. 
INSTEAD OF SIMPLY LOOKING AND VERIFYING THE DOUBLE CHARGE IN THEIR RECORDS AND CORRECTING THE OBVIOUS MISTAKE THEY DEMANDED I PROVIDE THEM WITH BANK STATEMENTS AND ABOUT XXXX OTHER TIME AND EFFORT CONSUMING ACTIONS BEFORE THEY WOULD REIMBURSE ME THE MONIES. THIS UNNECESSARY WORK AND DOCUMENTATION WOULD RESULT IN A SIGNIFICANT DELAY WHILE THEY WRONGFULLY HELD MY MONEY. TO RESOLVE THE MATTER THEY AGREED TO SEND AN EMAIL DOCUMENTING THE REQUIRED ACTIONS BY ME BEFORE THEY WOULD RETURN MY MONEY. TO DATE THEY HAVE NOT DONE SO FURTHER DELAYING RETURN OF MY MONEY.THIS HAS CAUSED A HARDSHIP PAYING OTHER BILL BECAUSE OF THE LARGE AMOUNT OF MONEY.
XX/XX/2017 I called Wells Fargo Card Services to ask for a credit card increase. During this time I also applied with other banks and credit union. Those other company gave me credit and a personal credit. Wells Fargo declined my application. I have been customer of Wells Fargo for over 2 years only had one late payment have been paying my credit card on time. I ask for a XXXX increase because my credit score is way higher than two years ago. That how I know I can get the credit increase.
1. On XXXX/XXXX/15 I sent $ XXXX Western Union XXXX XXXX XXXX my son in college there. Apparently it was not picked up. 
2. Western Union kindly sent me an email stating that funds were not picked they included the last digits on the trucking number see attached. 
3. i Responded by telephone : requesting to send it to the agnt through which I 'd wired it. Not acceptable unless I presented a proof of trucking number. I was not able to locate the receipt. I conitnued to meet their requirements to recover the funds. I faced more demands of requirements last requirement to provide oicture ID, Address, see attached.No+ results
I had XXXX XX/XX/XXXX. I called them before and after XXXX to ask what we could do. I am self employed and would have no income for about 6 weeks. They kept telling me they could n't help me until I was 2 months behind in payments. But I called in XX/XX/XXXX and XX/XX/XXXX to see if we could do anything. So we got 2 months behind so they could help us. So we started a loan modification process. In XX/XX/XXXX I tried to make a payment and they would not take less than 3 months worth of payments!! I ca n't understand that! But they said I assure you there is no need to worry we will add it to the modification and it will be fine. I asked them about it every time we talked. Same answer and they would n't let us pay anything! I also got concerned because they kept stalling on getting modification complete. They needed this then that and some things they ask for over and over until time ran out! No worry ma'am we will start a new process just turn everything in again!! And again no worries about payments. Well I should 've trusted my gut because they called XX/XX/XXXX and said we are sorry your modification has been denied because you have too much equity in your home. This loan is too small for a modification!!! We had just received a foreclosure letter from a company saying Ocwen had turned us over to them. I asked about it and he said again I assure you it will not go into forclosure! ( That was before we were denied ) and now after working hard to pay off our house for 25 years they have put us in foreclosure!! I just ca n't believe it. And I ca n't believe they wo n't do anything to help us get current. 7 months of them not taking any money!! We do n't have that kind of money! I forgot to say this is our XXXX mortgage. First mortgage is current and with XXXX. We wanted to try to consolidate the XXXX loans but no bank can give us a loan because of damage of not making payments for 7 months!! There has to be something to help us save our house. This is so unfair!
my best buy credit card was charged with thing I did not purchase when I spoke to customer service they did not want to remove charges and this was going on for months
Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies
Pacific Union Financial handles my account. While I have, supposedly, authorized them to make my escrow payments, they failed to notify me that said escrow was paid on XXXX/XXXX/XXXX. 

Today, XXXX/XXXX/XXXX, my wife went an made our escrow payment to the city of XXXX, WI, using our own funds. We were never notified by phone, mail, or email, that payment had been previously made. 

It will now take XXXX weeks for me to get refunded for my trouble
THEY REPEATEDLY CALLED MY PHONE THEY HAVE CALLED MY FAMILY AND FRIENDS AND ALSO MY NEW JOB. I AM SCARED TO EVEN ANSWER MY PHONE NOW.
I am a victim of the XXXX data breach. I now have 12 recent hard credit inquiries on my report. I have written, called and filed complaints. Today, I called and was able to get my credit report locked. Now I need these inquiries removed.
I recently obtained my consumer credit file and discovered SANTANDER CONSUMER USA, INC is reporting an alleged debt as a CHARGE OFF. Accordingly my records reflect SANTANDER CONSUMER USA, INC is not a known creditor of mine and I have not applied for, neither received any services or credit from this particular agency. SANTANDER CONSUMER USA, INC has not communicated with me to verify or validate any debt that I allegedly owe to them as of XXXX/XXXX/XXXX. Therefore I have respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, 15 USC1681, and ORC 1345.01 respectively on XXXX XXXX, XXXX and XXXX XXXX, XXXX light of the foregoing SANTANDER CONSUMER USA, INC is demanded to please provide the alleged original genuine executed agreement that memorializes the transaction between SANTANDER CONSUMER USA, INC and Myself that supports SANTANDER CONSUMER USA, INC alleged creditor status.
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX  went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.
THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.
I have a secured credit card with USAA. Secured by a Certificate of Deposit for {$3000.00}. For the past three months when attempting to pay on my account I have learned that even though the credit card account is secured, if I pay the the balance in full utilizing XXXX different checking accounts, the payments will be held for an additional 7 or eight days. I paid {$840.00} on XXXX XXXX, 2016, that payment was placed on a 7 to 8 day hold. I made another payment on XXXX XXXX for another {$800.00} plus and that payment is now on hold for XXXX to 8 days. 
When I first started to notice this happening I called and was told that one of payments was returned and that was the reason, the payments were being put on hold. I was also told that was to be for 3 months. Even though the credit is secured by a CD. 
Then I have an unsecured credit card and pay it the very same way and the payments are applied immediately to the account even though the payments may or may not be paid by XXXX different accounts. 
This is a major concern to me because we expected USAA to be Veteran friendly as it advertises. In addition, we have home owners insurance, flood insurance and vehicle insurance with this company.