WillisBack/dataset-financial-user-claim huggingface dataset:
I have a loan from XXXX, I 've made payments along the way, I 've filed for forbearance and economic hardship back in XXXX and XXXX. I received a call at work last week from a collection agency, I have no idea how they got my work number, I gave them my cell number, I had a talked to a young lady who asked about my income and wanted to know my family size. I received a letter stating that I need to give them a copy of my prior year tax return, IRS transcript or an authorization for IRS transcript. They are not the originator of the loan. I requested a copy of the original loan and was told it would take 6-8 weeks to receive a copy. I do not feel comfortable giving this information to them. The young lady told me that she could have called my payroll office to get the information to begin garnishment, but she wanted to talk to me first to see if I could provide her with the information. At this time I am just getting by with what I make, I can not afford to pay anything right now. They want to get me enrolled in a " 15 % rehabilitation program '' only to have someone else purchase the loan after I make " 9 qualifying payments. '' The company is out of Texas, but they call from a local number, they also an OH address on the letter. They are giving me 30 days to give them this information. There is a note at the bottom that states the amount owed, but because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. That statement makes no sense, how can a payment plan be calculated if the charges may vary day to day? Please Help! Is this legal? Do I have to give them this information? 
Can they garnish my paycheck?
My mother had a capital one 360 account. She passed away in XX/XX/XXXX. I started the process of trying to liquidate her account and get it transferred to her estate account in the beginning of XXXX. there have been various back and fourth. of them wanting more or different paper work but I believe the bank had all of the required forms and instruction as of Tuesday a week ago. XX/XX/XXXX. I called and confirmed and they stated that it would take 5-7 days to process. I called today XX/XX/XXXX and they confirmed they had all the right paper work but it would take 40-50 days to process.the manger also refused to let me talk to her boss and stated that he doesn't take calls. XXXX employee number XXXX
I would like to submit a complaint regarding the unfair and abusive fees assessed to make a payment on the debt owed. The company is charging a {$5.00} fee to make a payment via debit or credit card. This fee is also assessed if making the payment for a medical debt via a health savings account. The fee is unreasonable as it does not reflect the cost to process a single credit card transaction, is not a fee associated with making the payment over the phone or for an expedited payment, and it is much higher than other merchants charge. I was only provided with an alternative to avoid the fee after I questioned why it would cost {$5.00} to pay my debt. After I refused to pay via credit card and accept the fee, the representative indicated that I could also pay by check to avoid the fee. I could still make the payment by phone but needed to provide full bank account details. Additionally, I would like to note when I was first contacted by the debt collector I was pressured to make a payment even though I stated multiple times that I did not know what the debt was and would like a debt validation letter.
Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX
My home is being sold TODAY XX/XX/2017 AT XXXX ... .JP MORGAN CHASE purchased my mortgage I got behind on my mortgag they started foreclosure proceedings I then they came to a modification agreement with me and sent me a letter on 3 different occasions stating they withdrew the foreclosure complaint and to disregard the foreclosure papers then my loan was sold to XXXX I had to begin the modification all over meanwhile my foreclosure which has JP Morgan Chase as plaintiff continued despite the fact they said to disregard it because JP Morgan Chase led me to believe the foreclosure was withdrawn by them and TOLD ME TO DISREGARD COURT PROCEEDINGS I didnt appear in court JP Morgan was awarded judgement I have been trying to get JP Morgan Chase to stop the foreclosure since they are the only named plaintiff not realizing tmy new servicer XXXX was some how the one really moving ahead with the foreclosure sale so they should have been who I was working with but I did not know because JP Morgan Chase is the Plaintiff on all the court documents and XXXX never sent me any information that i requested they lied said they did offered proof of mailing which clearly shows only a XX/XX/XXXX mailing date and two letters stating they were researching the information I requested regarding my modification with XXXX and where the payments went and if they were honoring the modification instead they just stalled and used the fact that JP Morgan was the listed plaintiff and that I thought I was supposed to be working with them as a stalling tactic ... the fact I thought JP Morgan Chase was who I had to work with is evident in the amount of complaints I have filed with you against JP Morgan Chase
The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.
The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 10 yrs, 5 mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times 30/60/90 days late XX/XX/XXXX Closed
I was never given IBR option in the beginning i was just put into forbarence and then i tried the ibr plan and i have moved and didnt get information regarding reapplying which caused me to lapse in payments and then i went from XXXX to navient and thats when scams were going around and i wasnt sure navient was real and was scared to give info. I would like my credit fixed regarding the bad remarks
We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX   Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )
Wells Fargo is my mortgage holder. I have been trying to modify my loan through the home preservation program since XX/XX/XXXX. It is always the same thing, " we have all the documents we need, they will be sent to underwriting ''. Without fail I am then contacted ( sometimes ) by email or letter that additional documents are needed ; as well as the original documents which now ( according to them ) has expired. My " specialist '' never returns my calls or emails.
I have not received a resolution.. I have been in contact with CMRE Financial ( XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company placed information for my ex husband of 16 years on my credit report. I was told I had to provide divorce papers to have this taken care. The Notice of Entry of Judgement was emailed to them on XXXX/XXXX/16. I have been in contact with them numerous times and this still appears on my credit report. I did not received a letter stating they were taking it off, as they stated I would. Upon calling I was told it was mailed. I have now received a bill from them in my ex-husbands name at my adddress! They changed his address to mine. Now the CMRE states I MUST give them my SS # in order to get the letter sent to me. It was never mailed out. They do not need my SS # according to my attorney. They did not need my SS # in order to put this on my credit report. I want this removed from my credit report from all three reporting agencies immediately and I want the bill changed back to his address. I am getting no where with them and then when you become upset, they just disconnect you. I have called them six times and can not get a straight answer. A supervisor will not get on the phone and will not return the call. I do not know where else to turn short of taking them to court. I do not understand how they can just put something on my credit report, they did not ask for proof of marriage when they did. I have been re-married for almost 12 years now. My name is even different on my credit report. It should not be this hard to have incorrect information removed. I have filed disputes with the XXXX major companies as well. However it seems that I am doing all the work and getting no where. It was not my mistake and it should definately not be this difficult to fix it. I have no way to upload documents but I can email them to you upon request. I would appreciate any help you can provide.
Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00}
For two years creditors nor myself have been able to access my credit report which has cause multiple issues with obtaining credit, these were not because of what is in the report but a lack of access. I have tried numerous times to get this resolved with Equifax to no avail. As a recently XXXX person this is affecting my life in negative manner and I need help as Equifax just does n't seem to care. also I have no issues with XXXX or XXXX
Hello my name is XXXX XXXX I just recentaly opened a checking and savings account with chase bank. after 2 days of me doing so and depositing a big sum of XXXX XXXX dollars they randomly without no reason or sort of any answere just decided to close down my account, without at least a notice. Now they closed down my account and they are holding my money that belongs to me and will not release it to me. fine if my account has been closed there should be no reason why I have to wait for any reason to have my money given back to me. This has been the worse experience I have ever had with a financial institution. It has made me feel like if I have commited a crime or if I was a criminal. Now I need to request for my money to be refunded back to me asap. I am a good citizen and have good credit and this what chase is doing to me not even the brach where my account was opened has never been seen or heard of. I need immediate action on this situation.
Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX and Transunion. Transunion and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.
I have XXXX tax lien via the state of Georgia on my TransUnion credit report. I have attached documents that provide proof that the following should be deleted from my report.
I am the executrix of my mother 's estate. She died 18 months ago. She has XXXX accounts at XXXX. I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent XXXX hours and XXXX minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the XXXX hours and XXXX minutes I had contact with XXXX people and total conversation with each was about XXXX minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information.
I was a victim of identity theft XX/XX/2014. I reported this to the credit monitoring service and they assisted me in placing an initial 90-day alert, and then an extended ( 7 year ) alert on my credit file. XXXX and XXXX placed the alert and included a consumer statement regarding the fraud. Equifax should have received the information and also implemented the fraud alert, but I later found out it was not implemented. I initially worked with a monitoring service to place the extended fraud alert, but Equifax only placed a 90-day alert. I became aware of this in XX/XX/XXXX when I received communication from Equifax. I contacted Equifax directly to place the extended alert, and provided them with the supporting information for the alert. Since then I 've received more requests for information, and when I provide the information I get another request. Some of the requests are for information I 've already provided. Talking with the Equifax staff is no help. It is a repeat of me providing information and nothing happening. 
I need for Equifax to implement the extended ( 7 year ) fraud alert with the consumer statement I 've requested. One reason is that there have been fraudulent attempts to get my credit file, so I need the protection from the potential fraud. XXXX and XXXX have handled this very efficiently, but Equifax has something seriously wrong in their process. At this point I 've received another request for information from Equifax that is for information I provided in XX/XX/XXXX. 
Any help you can provide in getting Equifax to meet the requirements of what they are required to do in cases of identity theft would be greatly appreciated. 
One additional thing to report. Equifax sent a letter by mail to my home but addressed to another individual that does not reside or have any ties to my address. I put the letter back in the mail without opening and marked it return to sender.
Hi, I had an auto loan from Valley National bank when I was living XXXX when I moved XXXX, since there are no branch locations and no online payments, I had to make payments over the phone ( for a fee ). I never recieved a statement and had limited access to online banking ( my online banking just showed balance and payment, no interest information, payoff statements etc ). When I finally decided to sell my car, the car dearshipb asked for a payoff amount with my loan account number. The bank sent me the wrong account number which delayed the sale of the car, cost me interest and on top of that I was charged a late fee. I have asked to be given a refund for the late fee or at least be given a statement, to no avail. What 's more, my online access has been terminated. The bank refuses to communicate via email, so I have a scant record of my correspondence. I have been told I need to pay in order to recieve a stement but I have n't been referred to the correct department. I feel like the bank is stonewalling me untill I give up. There are also a lot of discrepancies in the amount of interest I was charged, for example I was told my interest is XXXX per diem but I was charged XXXX dollars interest in a single month. I took this loan three years ago as a six year loan and I have made all the payments but my principle is basically unchanged from three years ago eventbough I 've been paying interest and balance simultaneously.
Both XXXX  and Transunion are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.
OnXX/XX/XXXX, I went into Chapter XXXX Bankruptcy. My School loans which was then serviced by XXXX XXXX, had a balance of {$12000.00}. During the 5 year Backruptcy, the trustee made monthly payments totaling {$7300.00}. I received a notice on XX/XX/XXXX from Navient, that I still owed a balance of {$10000.00}. My interest rate is 8.25 %.
This is the information from the National Data Center 's Claim Summary. I will attach these documents as well.
CREDITOR INFORMATION Creditor Name XXXX XXXX XXXX
Mailing Address ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Contact Name EXT # XXXX Phone Number ( XXXX ) XXXX CLAIM AMOUNTS Claim Amount {$12000.00} Scheduled Amount {$12000.00} Monthly Payment {$0.00} Principal Paid {$7300.00} Principal Owed {$8.00} Principal Due Amount {$0.00}
Bank of America has failed to comply with repeated requests for a loan pay-off statement. 

Bank of America has blocked me from their website for information regarding my mortgage status. 

Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.
XXXX  is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.