WillisBack/dataset-financial-user-claim huggingface dataset:
I am reaching out to you because I can not afford to take legal action. I 'm hoping that you can help me resolve this matter that is in foreclosure status as I 'm a new father. I do n't want my family to lose our home. I have been faithfully paying our mortgage on time ever since we received our second chance which is a Loan modification approval on XXXX XXXX, XXXX from our original mortgage lender/servicer, XXXX XXXX XXXX. I completed my Making Home Affordable loan modification with XXXX XXXX XXXX on XXXX XXXX stating that my loan modification is now a permanent loan modification. I have sent my payment on time and have complied with all the terms of my permanent loan modification with XXXX XXXX XXXX, which is a fixed interest rate of 2 % and a payment of {$3200.00}. Then on XXXX XXXX, my account was sold or transferred to Nationstar. By law, All of my terms agreed upon with XXXX XXXX XXXX were supposed to remain the same after the transfer to Nationstar but Nationstar has changed my payment schedules and has put me on a foreclosure status because I continued to send them the same amount of {$3200.00} as per the fixed rate permanent loan modification agreed upon with XXXX XXXX XXXX. I do n't know what else to do but to file a complaint under your office and hope that I can get a resolution to the situation I am currently facing. All I want to do is for Nationstar to honor the permanent loan modification that I agreed upon with XXXX XXXX XXXX. Your response is greatly appreciated.
They are calling my relatives asking about my debt and requesting I call them back. They have no right to do this. Also, the company keeps calling and with different numbers over and over!!! Enough already ... I know I owe debt, give me a break ... stop with the calls and don't call my family!!!!
I received an Email from PNC Bank my Mortgage Company Acct # ( XXXX ) about refinancing, I called and was going to refinance but after I hung up I check and found out that the fees they were charging were not fully disclosed so I cancelled the refinancing within 10 minutes.
A week or so after I received a letter from PNC with all the Refinance Information as well as a credit report which i did not order. Everytime someone runs a credit report on you it lowers your score. In the past XXXX XXXX issued my girlfriend a Credit Card without her knowledge and it cost her points on her score. I dont know how PNC can fix my credit score but something has to be done with these Banks doing whatever they want
I noticed that WF is charging me a {$12.00} a month fee for Identity Theft Protection - I just recently noticed this charge - and completed research that shows I have been charged this fee since  XXXX   2012 . I know I was not provided clear verbal or written information regarding this fee. I sent a message through the online website and was advised that they will not provide evidence that I was aware of these charges. Considering the recent settlement s of WF sig ning up customers for products they do n't want/need/are unaware of, it appears that I am in the same boat. Please Help.
On XX/XX/XXXX I called during business hours early in the day to get a new debit card because my old one was lost I also lost another card the same day and called for replacement. The one card netspend when I called they said no problem to the replacement but if I wanted it in the next 5 days they would have to XXXX for a price of {$50.00} I declined it so they said my card would come within 7-10 business days. On XX/XX/XXXX they texted me to say my card is on it's way. Today it is the XXXX and still no card I called to find out what happened they said that if I don't get my card by XXXX XXXX I should call back. My complaint is they force you to get your card XXXX XXXX   because they don't make any money on mailing you out a new card through regular mail. I have prescriptions to be filled and rent to be paid my monthly pension check comes on this card so I have no money until I get the new card. I called Social Security right after I called netspend and XXXX XXXX told me the card should be to me in 7-10 business days I received the card on XXXX. I know the FTC has won a settlement against netspend but it seems like they did not learn any lessons from that nor did they change any practices. I am not sure what can be done but I am trying to find an alternative from my pension plan but I know I am not alone. As charging extreme amounts to get your card sooner and make you suffer to get your card by mail take super long. Right now they are holding my pension hostage until I get my card.
I have had a student loan with ACS for years and I have always applied for a deferment or forbearance every year. I applied for one in XX/XX/XXXX because I am unemployed and receive government assistance I recently found out that the deferment/forbearance was not completed by ACS and that my loan has been in default since XX/XX/XXXX. I have called ACS several times for approximately 4 to 5 months trying to get help with this matter first I could n't verify what address they have on file and was told that they could not help me if I could n't verify it. I finally spoke to someone who told me that the last deferment was in XX/XX/XXXX I told her that was not correct that I called in XX/XX/XXXX to verify that they had got the paperwork was told that it was being processed. Evidently it was never processed. I was told to contact XXXX I have contacted them and was told by them that they have nothing to do with my loan being deferred that they get it once it is in default. ACS sent my student loan in saying that it was in default when it should not have been in default but in deferment/forbearance all of my loans thru XXXX have been and are currently in forbearance except for the one being serviced by ACS and I have completed a complaint via email several times and has also asked for a supervisor to contact me I submitted another complaint and request for management to contact me again today
I disputed the following accounts on XX/XX/XXXX7 with Equifax. On XX/XX/XXXXafter accessing my account online, it shows that betweenXX/XX/XXXX-XX/XX/XXXX, the following items XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX were deleted from my credit file. On the same date it was showing said items were removed from my credit report, it also shows that between XX/XX/XXXX-XX/XX/XXXX the same items were reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
In XX/XX/XXXX, I noticed that my credit score had dropped dramatically due to a derogatory mark from North American Recovery for an account balance of {$730.00}. The debt was from the XXXX XXXX XXXX ( XXXX Hospital ). On XX/XX/XXXX, I submitted a dispute with XXXX  because the account was not mine. The dispute resolution did not take the derogatory mark off my credit report as the the collection agency insisted the debt was mine, but they did not provide me any proof of debt. The balance continued to climb and pulled my credit score even lower. On XX/XX/XXXX I visited the original creditor to try and obtain more information about this account. XXXX Hospital said that they had no record of me ever being seen or treated at their facility. On XX/XX/XXXX, I called North American Recovery to try and resolve this. The first person I spoke with, a woman, said they could n't find any information based on the date of birth or social security and that I had to call XXXX to obtain the account number. I called XXXX and they were able to provide me with the account number and helped me file a second dispute. I called North American Recovery again. This time I spoke with a man who kept repeating that this call would be recorded. I gave him the account number and he said it belonged to someone with a birth year of XX/XX/XXXX. I am XXXX years old, I was born in XX/XX/XXXX. The address also did not match. He stated that the original creditor did not have to keep medical records because they had been transferred to them. I requested that he send me all the information that they had on file for proof of debt and provided them my current address. He proceeded to ask my place of employment and best contact number. I did not disclose my employer because I did not feel comfortable releasing that information. He stated that they could only hold the account until the end of the month at which point they would file a lawsuit against me. I am currently waiting for the file they are going to send me and for the results of the second dispute.
My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??
Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. 

Does n't sound like a legitimate debt collection agency at all!!!! 

Also I have received no notices for debt collection. Nothing absolutely nothing in writing. 

Made several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? 

This must be a total scam and a fraud. 

This morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. 

The lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? 

This is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX
I called the collection agency and when attempting to work out a deal with them, they refused to accept an offer less than the principal balance and directed me to contact the originator of the debt to work out a settlement offer. Upon contacting the originator they said that they don't develop those sort of deals, but that I could pay the balance owed. I paid the balance owed to the originator. On XX/XX/2019 I saw the collection balance increased and called both offices to see what the issue was. For the originator, I am in good standing, and they sent the notice of payment to the collections office. Upon calling the collections office they accused me of avoiding paying the interest due to their office. I was misinformed by their office as to what my options actually are and the person I talked to on the phone was unhelpful and accusatory and threatened that the interest would not be written off despite me fulfilling my obligation to the originator, whom I believe still owned the debt.
On XX/XX/XXXX I paid the full balance off My XXXX XXXX account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it was n't.  After weeks I re-contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XX/XX/XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
I filed a dispute with XXXX XXXX XXXX XXXX. file complaint after complaint with no reply. They turn the account over to Portfolio recovery Associates and they never responded to my letter to them as to the account was in dispute and I wrote them 4 times to put this account in dispute.
I forgot that I had autopay set up and accidently made an extra payment and Nationstar Mortgage would not issue a refund without a bank statement or having a XXXX bank customer service representative on the other line. XXXX even stated this was unusual and they should have just issued the refund. This causes me to be short on money for groceries, and utility bills for a longer than necessary amount of time as well as causing XXXX
On XX/XX/2018, at XXXX XXXX, XXXX XXXX with Southwest Recovery contacted me from phone number XXXX, stating that I owed a debt in the amount of {$4800.00}. He provided the original creditor information, and even talked to me about settling the entire account for {$3600.00}. However, I have never received anything in writing from Southwest Recovery stating the original creditor, the amount, or my right to dispute the debt. I have been unable to verify the debt, obtain an account number, or that Southwest is in deed authorized to collect on the debt. I requested from Southwest a notice in writing during the conversation on XX/XX/2018. When I did not received a validation notice after 5 days as required by law, or anything else in writing, I called on XX/XX/2018, at XXXX XXXX, and again on XX/XX/2018 at XXXX XXXX. I still have not received any sort of validation notice, nor anything in writing from Southwest Recovery.
I was contacted by a " Locating Service '' who gave me a claim number and telephone number to call. I called and was informed that XXXX and XXXX was attempting to collect a debt from HSBC Auto. I asked for more info on the debt, including the date of the last activity on the account. After getting info I realized that the date was well beyond the statute of limitations for this debt. The call person informed me that it was not, and that they could get a judgement against me, where it would report negative on my credit report and attach a 10 year wage garnishment. I was then informed of a settlement offer, which she didnt know the details of and would have to speak with her legal dept. I asked for verification of the debt, but apparently they didnt have to provide that. This company is using threatening tactics to try to scare people into paying back a debt they may or may not owe.
XX/XX/2018 at XXXX XXXX - I was finally able to get this Debt Collector, XXXX, on the phone. I had to XXXX this phone number to find out information on this company and it appears that the name of the company connect to this number is Account Discovery Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, https :  //accountdiscoverysystems.com/contact/. They were very rude to me on the phone. I asked them to send me information on this debt in the mail along with a validation of this debt as I no longer have this Kia Sportage they referenced in their voicemail message and that XXXX XXXX XXXX XXXX XXXX XXXX had recently sent me a check for about {$40.00} in the mail recently regarding this account. They claimed that they were not representing XXXX but another third-party collection agency. This left me confused. They also refused to send me anything in writing regarding what they claimed I owe. They said that I was refusing to pay a debt I owe because I was asking for information on a debt that they claim I owe to a third party that is not even XXXX whom had recently sent me a check and for which I have the legal right to request information. They also threatened me with legal action since they said that I am refusing to pay a debt that I don't have any information about. As far as I am concerned my business with XXXX should be completed with the sending of this check in the mail to me. Their refusal to send me any information in writing regarding this debt that they claim I owe, their refusal to send me a validation of this debt are all business practices that goes against the Fair Debt Collection Practices Act. Also a quick XXXX search of this number reveals that this company has been sued multiple times and has had several complaints placed against them for unfair debt collection practices : https : XXXX, https : XXXX XXXX & XXXX & XXXX & XXXX & XXXX, https : XXXX, https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX ... XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are even XXXX XXXX dedicated to this company due to all of the complaints and lawsuits that have been files against it : https : XXXX. Please help me to resolve this issue with this horrible company and let them I do have the legal right to ask for information in writing, I do have the legal right to request validation of the debt that they claim that I owe, not to them and not to XXXX but to some other third party. Thank you.
Sent  certified letters with signature required to credit reporting agency Equifax, received and signed for on   XX/XX/XXXX     @   XXXX  . This was for request of validation of said debt. Company response was " This item has been updated to report satisfied/released. '' Company did not mark disputed on reports according to Federal Law FCRA  623  ( A ) ( C ).
I applied online for a loan with this company on X/X/2017. I was approved for a loan of {$1500.00}. At the time that I accepted this loan, the Truth in Lending disclosure was not visable, and it shows an APR of 496.8091 % and that the total repayment amount for my {$1500.00} loan is {$7100.00}. I was not informed of this HUGE interest rate on the loan, I was told that there was a low finance charge. I was never able to view their " Truth in Lending '' disclosure until AFTER the loan had been processed and the funds delivered to my account, which from my research I have discovered is not legal. This company is predatory and their business practices are questionable. I have paid to date {$1100.00} and they are stating that I still owe them {$2200.00} at a minimum. This company should be investigated and stopped from taking advantage of consumers.
My loan servicer, Great Lakes Borrower Services, has engaged in practices that I believe to be deceptive, in bad faith, and of a harassing nature. I recently attempted to re-enroll in my income based payment plan. I received several notifications from Great lakes that my application was incomplete. Over the course or numerous telephone calls I rectified the " issues '' they highlighted with my application. During numerous telephone calls with Great Lakes, I was assured by their customer service staff that my application was complete and that I would not be required to provide any additional information. Shortly thereafter, I received an email from Great Lakes with my updated payment information for the upcoming year. Subsequent to receiving the updated payment information, I have received no less that XXXX emails from Great Lakes indicating that my application is not complete. Today I received a " final warning '' email. After receiving the first few warning emails, I called Great Lakes and, on a recorded line, was able to obtain verbal confirmation that my application was approved and that the emails I was receiving were sent in error. In fact, I received an inbound phone call from Great Lakes indicating the same. Never the less, I continue to receive emails from them on a weekly basis stating that my application is complete. I have given up on calling them to ask that they cease sending these emails as it takes at least XXXX minutes to get a live operator on the phone as every time I am required to re-confirm my address, contact details, etc. For less informed borrowers, these emails would create a great deal of distress and frustration. I think that Great Lakes should be warned that these practices are not consistent with their ultimate goal of servicing the loans of the XXXX of student loan borrowers across our country.