WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of " there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with.
I RECEIVED A CERTIFIED LETTER HAVING A CIVIL JUDGEMENT AGAINST. I HAVE SPOKE WITH A XXXX XXXX BACK IN XXXX AND MADE PAYMENT ARRANGEMENTS WITH HER A $ XXXX FOR XXXX THE BALANCE OWED WHICH WOULD BE XXXX AND SHE SAID THAT WE COULD DO THAT IF THAT WAS ACCEPTABLE WITH ME AND I SAID YES THAT WOULD BE ACCEPTABLE WITH ME. I SAID CAN I MAKE MY PAYMENT ONLINE AND SHE SAID THAT I WOULD GET A STATEMENT EITHER BY MAIL OR EMAIL. I SAID BY MAIL WOULD BE BETTER AND SHE OK SHE WOULD GET IT SET UP. I SAID SO I ONLY HAVE TO PAY {$1500.00}. SHE SAID YES THAT WOULD BE XXXX OF WHAT I OWE AND THE BILL WOULD BE SETTLED. AS OF THIS DATE XX/XX/2018 I HAVE NOT RECEIVED ANYTHING BUT A CERTIFIED LETTER THAT CAME XX/XX/2018. SO HOW I CAN I HAVE A CIVIL JUDGEMENT AGAINST ME TO PAY SOMETHING WHEN I HAVE NEVER RECEIVED ANYTHING IN ORDER TO PAY. XXXX SAID SHE WOULD GET EVERYTHING SET UP FOR ME AND I WOULD RECEIVE MY STATEMENTS BY MAIL. HAVE NEVER GOTTEN ANYTHING.
I have been laid off and unemployed for a little over 2 weeks now and was unable to make my {$72.00} payment with Fast Bucks, located on XXXX XXXX in XXXX Idaho, with whom I have an installment loan with. As of today, My loan is three calendar days late. I called Fast bucks at XXXX this morning, XXXX. XXXX, to let them know my situation with my employment, unemployment insurance, and that i will be in sometime this week to make a payment. That is when I was informed that my account " has '' to be put into bad debt. The store also told me my account will still accumulate interest while in bad debt and that they will still accept payments from me. 

Now is this very confusing to me because i thought " bad debt '' only occur after all attempts are made to collect on the debt. And if they are saying that my account is going into " bad debt '', which means the debt to them is not collectible, then why are they still threatening to racking up interest on my account? When i asked the store if it is normal and recognized in state law to continue applying interest in this situation that they informed me about, they said " yes ''. The store also explicitly told me that the CFPB knew about it and approves it. 

When I called the CFPB, i was informed that they could n't find anything in relation to the store practices when it came to interest and bad debt practices. I also was informed by the CFPB that they could n't give me any legal advice with my matter - understandable. They did tell me I could write a complaint on the matter. 

Still wanting answers i tried to call back the Fast Bucks store and got no answer, but the call did get forwarded to the Fast Bucks corporate office. I told corporate about my situation and asked about the " bad debt '' and what steps are taken before a account in put into bad debt. Corporate was VERY vague and told me multiple times " its all depends on the customer ''. " everyone situation is different ''. This too i thought was very strange that the representative could n't give me any details on how long a debt that is unpaid goes before being put into bad debt. The representative exclusively told me that there were no such time frames implemented within the company. When asked to speak to a manager, he told me " he will tell you the same thing ''. I terminated the call after that. 

I feel Fast Bucks as a whole is treating my unfairly. I feel that they are threatening me with false information about putting my account in bad debt. I feel Fast Bucks purposely with holding information on the debt collecting process including : grace periods, time frames and legal steps when collect debts and putting accounts into " bad debt ''. I feel its fraudulent to put someone account into " bad debt '', to write off as a business expense, and still collect interest and payments from the persons whom holds the debt. 


Thank you.
I am trying to get a mortgage for a new home, I sent a letter to Experian over 45 days ago and I still have n't heard anything back from them!! I am really XXXX by this, I need to move as soon as possible. And I do n't have time to sit and wait for them. My main concerns have been addressed in the letter I have attached!
Someone named " XXXX '' called a few days in a row. 
I called her back to be told they were hired to collect on a judgment for " XXXX XXXX '' to see if they could collect " before he attaches my wages. '' I asked her to send me proof of whatever judgment she is speaking of, proof that they were hired by this person, contact info of " XXXX XXXX '' and copy of XXXX license for XXXX. 
She told me, " This is not customer service, it 's debt collection. '' So I hung up. 
I received the enclosed letter after her phone calls. 
She did not send any of the info I asked for and the letter does not even list address, phone number etc. of creditor. 
I have had problems in the past with fake debt collectors attempting to extort money from me for judgments that do not exist and this may be another such place.
The problem I am having is because Ocwen my loan servicer made mistakes on my escrow account. I even talk with the company about the mistake and was told that I did not know what I was talking about. Then in XXXX they told me a mistake was made and they took out a loan to cover it and I now have a extra XXXX monthly on to my mortgage. I 'm XXXX since XXXX. I am on a fixed income XXXX is a lot for me in my budget as I stated in complaint with Illinois XXXX I feel they should eat their mistake when I called and made them aware. As I began to asked question. A lot of home owner have the same problem my mother has Ocwen and had the exact same incident. I would ask the you please look in to this because I very well may lose my home. Please help I 'm missing my left hand in a work accident in XXXX which also damage my XXXX which cause me to have XXXX pump and the XXXX pump malfunction which cased aneurysm. I hate share my story because it looks like I begging but I have worked all my life sometimes 2 jobs to make ends meet with my XXXX frustrating when trying to do the right thing
I had a loan with XXXX Bank. The loan was serviced by GMAC. They foreclosed illegally through a local attorney. I plied for a loan modification. They said I qualified. I just had to pay the {$17000.00} in missed payments to activate the modification. They then proceeded with the foreclosure process. They collected insurance, collected money from the sale of the property and got Federal Bailout money. Eight years ago when few people realized yet the extent of the mortgage meltdown and the extent of wrong doing by many banks it was difficult to get a fair shake. I had to leave my home of 16 years. Can anything be done now?
I was reported to ews over a year ago for a fraudulent activity that took place on a XXXX XXXX XXXX account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting ews but the account i requested to be resolved have been bypassed. I am seeking immediate results.
I was approved for a {$5200.00} loan after submitting my bank statements and proof of income. I signed the online agreement and received my terms ( I had originally requested {$6500.00} but lowered the amount during the approval process ) .Then, citing a system glitch, I was asked to resign the online agreement, which I did, and the following day received confirmation the loan was approved. 

However, this loan was for the difference of the original amount requested ( {$6500.00} ) and the first approved amount ( {$5200.00} ) and {$1300.00} was what I received. I have all the paperwork proving they approved {$5200.00} and the payment schedule was set. I contacted Avant regarding the error and asked them to correct the mistake. I was told the original loan documents were sent in error and, upon review of my account, they can not approve {$5200.00}. 

While I understand terms and conditions may change during the approval process, my terms were changed AFTER approval and an agreement between the company and myself was signed for the agreed upon amount of {$5200.00}. 

The approval document for {$5200.00} was issued AFTER review and confirmation of my employment, income and credit history, not before, so any claim of an error that resulted in a review of my account finding me unworthy of approval is questionable, if not outright deceptive. 

I believe an error was made, however, I believe it was human error. Instead of acknowledging this, a " system glitch '' was cited rendering the original contract for {$5200.00} invalid and now the company will not rectify the situation to provide the funds originally promised.
XXXX has reluctantly failed to remove what appears on a credit report as the following : XXXX XXXX XXXX XXXX first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at XXXX as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX telephone the originator of the complaint immediately.
I signed up for the TD Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as " not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a " merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined.
I am attaching a letter that my husband and I sent to Equifax and XXXX   on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to Equifax and XXXX  a couple weeks ago, and those letters have also been ignored.
I refinanced m y   XXXX   XXXX   XXXX   XXXX  .T hat was financed with  Automotive Credit Corp  in     XX/XX/XXXX .In  XX/XX/XXXX , I fell  on some hardship after maki ng 26 current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I ma de a payment in   XX/XX/XXXX .T hat was n't updated to the Credit Bureaus that Automotive Credit Corp . reports to.One  of the criteria for Automotive Credit Corp.agreeing to refinance my payment agreement.I had to   make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .Automotive  Credit  Corp.is  reporting my account as a 120 days past due in   XX/XX/XXXX .W hen I made a payment  in  XX/XX/XXXX  as  instructed by Automotive Credit  Corp.which t ook my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual in which the curr  ent st atus is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.Automotive Credit Corp has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as  to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and  XXXX .
My husband and I refinanced our home with Chase Mortgage in XX/XX/XXXX. We were told after we signed the first refinancing that the paperwork was inaccurate and we would need to resign a second set. We are now selling our home and have been told by the underwriter and have copies of XXXX security deeds on our home issued by Chase Bank. Each was issued for the XXXX refinancing sets of paperwork. I have gone to a Chase Branch on two separate occasions XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and on both occasions have worked with bank customer service reps and those they have reached within Chase Mortgage and their legal department to fax these documents with a formal request that the first security deed dated XXXX/XXXX/XXXX be released. Chase Bank agrees that this should have been voided at the time of the XXXX issuance of the security deed of XXXX/XXXX/XXXX. On both XXXX and XXXX I was assured by as Chase employee that a release letter would be sent to me and faxed to my closing attorney forthwith. This has not occurred. I am returning to a Chase Branch tomorrow. My expectations are not high.
Tax Lien still showing on my credit report. It 's been over 7 years. The tax lien was showing a property in another county that I have never lived in.
A call was recieved concerning collecting a debt on behalf of cashnetusa. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of Cashnet. 

I was told I had XXXX hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact infoXXXX XXXX XXXX
hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.
My interest rate has increased from 6.00 % to 7.4 % in a matter of a year an a half. Navient also continues to decrease my autopay amount making this a never ending repayment process. I have approximately {$10000.00} taken out from a different servicer and have only {$2800.00} left on the loan and my Navient loan which was {$5000.00} principal is only down to {$4100.00}. How is this possible if I started paying back the loans at the same time. It seems Navient is going to continue to bump up my interest rates so I am never able to pay off this loan. I believe this in unfair business tactics in order to continue to receive money from me,.
I purchased a XXXX XXXX XXXX on XX/XX/XXXX and begin monthly payments of {$480.00} on XX/XX/XXXX thru XX/XX/XXXX timely with no late payments. I had financial difficulties and had trouble making the payment. On XX/XX/XXXX my husband had a car accident in the vehicle ( to no fault of his own ) but it took three months for the repairs to complete and caused additional financial strain because car rental costs that exceeded the coverage had to be paid. The vehicle was released from the auto body shop and two days later XX/XX/XXXX the vehicle was repossessed for having past due payments of {$1700.00}. On Monday, XX/XX/XXXX the {$1700.00} was paid in full by my mother in law via checking & routing but Bridgecrest will not release the vehicle. Instead, they are holding it for an additional 14 days in order to collect more fees and transfer the vehicle to the state of Nevada and charge me transportation costs, repo fees and redemption fee for the auction place in Nevada. My mother in law confirmed with the bank that monies have been deducted from her account yet Bridgecrest will not honor this transaction. My other issue is that Bridgecrest will not confirm any cost in writing, I spoke to XXXX once, XXXX once and XXXX twice whom all said that if I pay {$1500.00} I can receive my vehicle and work out an arrangement for any additional costs, instead I received a Notice of Intent ( NOI ) letter that request {$2800.00}. Over the phone I'm being told that the NOI is standard and those fees aren't guaranteed either and to accept their verbal agreement but since the past due was paid via checking & routing instead of debit/credit I'm being penalized. I need for this vehicle to be released immediately because all of the past due is current and I have a new payment coming up next week. This is a great cheat and the finance charges are extremely high and overwhelming. I want to add that I also have a second loan with the company with a perfect payment history but it doesn't matter to them, all they want is to make people with credit challenges worse when they have a hiccup in payments.
M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.
Based on the below facts, Simon 's Agency 's claim is fraudulent. This account needs to be completely removed from any credit bureaus. <P/>Simon 's Agency has failed to provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Verification that this debt was assigned or sold to collector. 5. Complete accounting of alleged debt. 6. Commission for debt collector if collection efforts are successful. 7. FAILED TO PROVIDE LEGAL RIGHT OF SUBROGATION OF DEBT Simons Agency has not provided the legal right of subrogation of debt. A subrogation will not be allowed to the third party as it is only entitled to the insurance company. <P/>The insurance company would have the right of subrogation. A debt collector here Simons Agency can not have the right of subrogation because they are " a mere volunteer '' to the situation. SIMON 'S AGENCY had no loss. This is a case of insurance fraud by the original creditor because they got paid by the insurance company and sold a paid debt to a 3rd party. <P/>If XXXX XXXX XXXX ( XXXX )., charged it off, it means they wrote it off on their tax returns and received a tax credit so they got paid twice and then sold the debt. This is a case of INSURANCE FRAUD and TAX FRAUD. N.J.S.A. 12A:3-305 Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( Federal Debt Collectors Protection Act ) which says " nothing in this title ( FDCPA ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). N.J.S.A. XXXX XXXX, XXXX XXXX without information or knowledge sufficient to form an opinion as to the truth or accuracy of SIMONS AGENCYS claim , and based on that denies generally and specifically SIMONS AGENCYS claim. <P/>ANY FURTHER MAILS OR THREATS OF THIS ALLEGED INVALID DEBT WILL BE SENT TO MY ATTORNEY FOR SUIT.
This complaint is an extension of Complaint Number XXXX. While communication in general was good throughout the last complaint, our issues were never resolved. We still don't know what the Trial Period Plan actually means. How the trial period payment amounts were calculated, what happens if we make the 3 trial payments, what exactly will our principal balance be if we make the 3 trial payments, and what the proposed plan options will be if we make the 3 trial payments. No disclosure of exact details provided. Prior to XXXX at B of A, each B of A rep gave us different info. XXXX provided some clarity but no real details. What are our accrued and unpaid interest, out of pocket servicing expenses, what will the unpaid principal balance be if we make the 3 trial payments? Extended the term of our loan to what? XXXX also stated on the phone that once the 3 trial payments were made, we would be offered a different type of agreement / modification. Their offer stated we were either ineligible for various programs because we are'nt late enough or because it's a primary residence or because it's a HELOC. What does that leave??!! We are in Chapter XXXX. We were assured by B of A counsel at our Chapter XXXX hearing that B of A would put us into a better position in terms of our monthly payment. Please follow through on this assurance. Each day that passes more equity is lost in our home. Every month our late fees and interest accrue.