WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 at XXXX XXXX on saturday I received a voicemail from XXXX XXXX from orion management group. They said it was urgent and to call as asap. So XXXX I called back and spoke with the agent. He then proceeded on about a collection I have through XXXX  credit card. He told me that he has on file that they tried to call me about the debt and that I replyed bavk " just sue me '' I told him that I never received a phone call from them nor did I ever say to just sue me. He then proceeded on to me that I am going to recieve a court summons on Monday. He told me that he is working on behalf of there companies lawyer. He then went on to tell me that if I settle this debt for {$500.00} then they will stop the summons. I then told them that i can pay the {$500.00} on the XXXX, but he wanted my debit card information right now so he can put a ach debit for the XXXX. I then told him I can not do that because I've done that in the past and they illegally tried to withdrawal {$5000.00} in my account, and that I had to hand my account t over to fraud and close it. He then went on to tell me that that isnt his problem and that I have no other option. He then threatened to contact my employer in which I told him that I don't take personal calls at work. He then said again that he will be contacting my employer and that if I'm not willing to give my debit card information right then and there then I will be getting a summons on Monday. I am currently trying to get this all situated as this is a collection account t I don't recognize. I have documentation stated that my information from my background investigation for the military has been hacked into and stolen. I have a letter from OPM amd the federal government. I'm just very careful as I want to make sure this is truly mine and if it is this gives them no excuse to treat people like this and try to harass and intimidate people by misleading them and having very shady collection practices.
I started receiving calls on Monday, XX/XX/2018 from XXXX XXXX regarding a debt owed to XXXX XXXX. I spoke with XXXX XXXX and explained to him that I had a medical debt from a sick child that caused the account to become delinquent and my bank will no longer allow them to debit funds from my account because of overdrafts. He was very professional and empathetic. He offered me 24 payments of roughly $ XXXXmo or a settlement of {$2500.00}. We agreed that I would make 2 payments of {$1200.00}. The XXXX in XXXX and XXXX in XXXX, however I was out of town and would call him back this week to set up the payment. 

Today, I received 3 calls from XXXX within 5 minutes. The first @ XXXX XXXX, the second at XXXX XXXX, and the third at XXXX. I called back and was transferred to XXXX XXXX, who stated that he was the General Manager. I told him that I had already spoken with XXXX and was at work so I did not have time to speak. However, I did ask him to slow down so that I could take his information and call him back with the details because I was in the process of pulling the fund to make payment from my 401K to pay the settlement in full. He immediately started yelling that they did not have time to wait on me, either I was going to pay now or he was suing me for {$6000.00}. When I asked why the amount changed, he became very aggressive and continued to yell at me and used abusive language. 

I suspect this is the same person that has been calling family member although I requested that they not.
I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX  XXXX XXXX regarding a credit card account that was filed in XXXX  Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from XXXX/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from Hayt Hayt and Landau regarding in XXXX as referenced in XXXX letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to Hayt Hayt Landau and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with XXXX if Hayt Hayt Landau does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call Hayt Hayt Landau as I would like to establish an arrangement as soon as possible. Please Advise.
Attempt to resolve with Nelnet ( " NN '' ) unsuccessful. All dates in XX/XX/2017. Complaint pertains to all NN-serviced loans. I retain complete audio recordings of calls with NN on XX/XX/XXXX ( " XX/XX/XXXX calls '' ) and on XX/XX/XXXX ( " XX/XX/XXXX calls '' ). I retain copies of all apps submitted to NN on XX/XX/XXXX ( " XX/XX/XXXXREPAYE, '' " XX/XX/XXXXPAYE '' ), emails submitting such apps ( " REPAYE Email, '' " PAYE Email '' ), and emails from NN to me on XX/XX/XXXX ( " XX/XX/XXXX emails '' ). There are 8 SEPARATE complaints which I request be addressed SEPARATELY. All sentences below are followed by citation of supporting evidence. 

1 ) NN canceled XX/XX/XXXXPAYE without authorization. XX/XX/XXXX calls ( NN admits ). On XX/XX/XXXX, clearly and explicitly, I requested verbally and in writing that REPAYE app be canceled but subsequent PAYE app be processed. XX/XX/XXXX calls ; XX/XX/XXXXPAYE ; PAYE Email. NN stated this would occur as requested. XX/XX/XXXX calls. Cancelation occurred ON XXXX XXXX with no attempt to notify me until my XX/XX/XXXX call requesting app status. XX/XX/XXXX calls ( NN admits ). 

2 ) NN refused to process XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

3 ) NN failed to place me into ANY IDR after XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

4 ) NN declines to offer adjustment for time between XX/XX/XXXX and XX/XX/XXXX ( " Lost Time '' ). XX/XX/XXXX calls. 

5 ) NN refuses to place me into PAYE, citing inaccurate Dep't of Edu. rule. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

6 ) NN stated to me that I am eligible for PAYE. XX/XX/XXXX calls. 

7 ) NN claims it can not review XX/XX/XXXX calls. XX/XX/XXXX calls. 

8 ) NN hangs up on me and promises follow-up communication that does not occur. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

I may apply for non-PAYE IDR to the extent NN refuses to place me into PAYE. I continue to demand placement into PAYE through processing of XX/XX/XXXXPAYE, even if placed into non-PAYE IDR through app for such made after this complaint form is submitted. I demand adjustment for Lost Time.
XXXX / XXXX / XXXX  We purchased a product called  XXXX  off a direct marketing infomercial. On  XXXX / XXXX / XXXX  they claimed it was for  XXXX  with 100 % money back guaranty. So we ordered it it wa s a 4 week  supply. We tried it  for two weeks.  It made my wife  XXXX .   We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved.  <P/> Now I have received letter from transworld system inc collections on  XXXX / XXXX / XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX  contact #  XXXX .   Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter  XXXX  and  XXXX   XXXX   XXXX  cell  XXXX
In 2007 I purchased a a home through sovereign bank. Sovereign was later purchased by Santander. When I purchased my home it was at a time in our country when very shady lending practices were n't just going on, they were status quo. The interest rate on the loan is 7 % for a first time home buyer. I have my finances well in order and have never missed a payment. The loan is the exact description of a predatory loan. I had a subpar credit rating, low income, and a small down payment. I have scratched and clawed to be able to stop foreclosure, improve my credit and keep my home. Post mortgage meltdown the same regulations that would have stopped me from having a loan like this in the first place are stopping me from moving on from the predatory lending practice. I have been denied a loan modification on two occasions, and been denied a refinance once. I have been told from lenders " You need to start missing payments to qualify. '' Imagine the hypocrisy, a loan that I have been struggling to pay ca n't be changed unless I begin missing payments, but If I start missing payments I run the risk of foreclosure if I do n't get approved for the modification. I fail to see how my income, which I higher now then when I originally obtained the loan, and my credit which is higher now then when I originally obtained the loan, are n't enough to get me a lower rate. I currently have a loan with an obscene rate generated from a predatory lending practice, and the very stipulations that are in place to stop the predatory lending are stopping me from getting a fair mortgage. How can this be allowed to go on, am I just the one person caught in limbo who did n't default, but also ca n't qualify for any resolution because I put payment of my home a top priority. Predatory lending is obscene and the fact that it went on is abhorrent, but to not correct a rate more then double the current status quo is unconscionable. Santander the lending institution has denied all my attempts at resolution. Other lending institutions wo n't refinance my loan because I do n't make enough money, even though I am currently paying, and have almost 10 yrs of on time payments at a higher rate. What is going on how can this be ok, or even remotely possible, what does America stand for anymore.
I recently filed a complaint against Midland Funding and since they responded to the complaint with their normal copy and paste response they have increased the amount they are trying to collect by almost 50 %. Last week their website and my credit report showed a balance of {$660.00}. Since I filed a complaint they removed balance information from their website ( screenshot provided ) and later disabled my ability to view my balance. They also updated my credit report showing a past due amount of {$960.00}. I have attached a screenshot of this also. They added {$300.00} to the balance in one day. In their response to my previous complaint they told me to contact a law firm and appear to be adding on additional charges. Something needs to be done about the tactics this company uses.
I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.
I discovered that someone unknown to me opened a credit card acct with XXXX XXXX XXXX. They used my name and address of my business office, which I had vacated 2 years earlier due to retirement. 
I filed a credit fraud form with XXXX XXXX XXXX. They claimed that they checked and that this account was not fraudulent because they had a name and address on the account, which is not mine.The XXXX, but not XXXX  and XXXX, listed this fraudulent name and address as : XXXX XXXX, DOB XX/XX/XXXX and as the authorized user on this account. It further lists his address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. They claim that this account was opened XX/XX/XXXX, via the Internet at IP address XXXX, referencing e-mail, XXXX. 
The account was activated on XX/XX/XXXX from phone number XXXX. 

While my name is used with the last 4 digits of my SS number and my home phone and my old address XXXX XXXX XXXX XXXX, none of this is me and all of this info could have been easily found on line. 

I filed a police report and spoke with XXXX XXXX on the phone and by e-mail to no avail. 

XXXX XXXX sent a list of charges to this account : XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX in XXXX XXXX , FL XX/XX/XXXX {$2300.00} XXXX XXXX XXXX Acct. Balance. 

None of these charges are mine. I have never been to XXXX, FL and do not use XXXX, or XXXX XXXX or XXXX XXXX or the XXXX in XXXX, FL.
THIS COMPLAINT IS ABOUT VERIFYING THE PAYEE OF CHECK CHASE BANK PAID OUT. Chase Bank is being very evasive. We have already discussed the issue of whose name was written on the front of the check. THAT IS ALREADY A MOOT POINT. Chase keeps AVOIDING THE MAIN ISSUE WHICH IS WHO CASHED THE CHECK. After several months, and complaints, they now say it was cashed at XXXX and not at Chase Bank. There are XXXX XXXX, and XXXX accounts. How does Chase Bank which has a fiduciary duty to its customers, expect them to resolve these types of fraudulent issues, if they do n't verify payees. If the person took the check to XXXX, where is the XXXX account number on the check. How does Chase know it was XXXX? What is the address of the bank? How was the person verified? Stop blaming the customer for your failure to VERIFY THE PAYEE. Please provide FULL INFORMATION about who cashed the check. How does Chase know that the person whose name on the front is the signer on the back. Chase has NO VERIFICATION of who cashed the check! If people can take Chase checks to any bank without being verified, they Chase is contributing to negligence and fraud. Chase is taking the position that they do not care who cashed their customers ' check by not verifying payee. In other words, it does n't matter who the check is payable to, Chase Bank does not have a way of VERIFYING who cashed the check. If someone walked into Chase Bank with a XXXX check, does Chase check ID or verify the person or do they let anyone cash a check? Chase needs to provide PROOF of person who cashed the check, and credit my funds for {$2800.00} if you ca n't do so. It is evident that they have not even contacted XXXX, to inform them of the fraud.
Freezing your credit should be free after the XXXX data breach. Step it up Congress!
westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.
I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Back in XX/XX/XXXX I made a payment to my XXXX XXXX credit card account. Well my primary checking account company took way too long to process the payment which is a first and the payment for my credit card ended up getting rejected and of course I ended up with a ton of fees. I called my checking account company and they apologized for it and handled the situation. Unfortunately I can't say the same happened for XXXX XXXX. I called them to explain what happened and the man I spoke to ensured me not to worry because he shows that the payment went through, but apparently it didn't because I ended up with around {$50.00} in charges. I continuously have issues with this credit card company. This is ridiculous and I want these charges taken off immediately.
Today, I applied as a co-signer for my daughters Sallie Mae Student Loan. I am XXXX and there fore my source of income comes from XXXX. The application was denied based on fraud. They made false claims against me in regards to my credit worthiness. I was also told by a supervisor that they do not base approval on the fico score. I was told credit scores have nothing to do with their decision making. But, in the denial they told me my credit score is adverse. I am accused of having delinquent accounts. And I am also told too few accounts get paid as agreed. These are lies. I feel like they just did not like the fact that my source of income comes from XXXX. Why would they have to lie about my credit report? The only reason would be if they had another reason as to why they wanted to deny me. And they could not find anything negative enough on my report to HONESTLY deny the loan. So, they MADE UP LIES. I bet there are many borrowers that receive employment income with a whole lot worse credit then myself that they have approved for loans. My daughter is devastated. She needed the loan to complete her schooling. I was also told that they only go by credit worthiness of showing ability to pay. I do n't have negative collections showing up on my report. How many other loans get approved for those who income is from XXXX? Probably none. After what they did to me today. I would not doubt that at all. Can anything be done about it?
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, they are not associated to any of my accounts. 
XXXX-entered twice XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.
XXXX XXXX Dear Consumer Financial Protection, I am filing a complaint about what Wells Fargo has done to me and many others like me. They set me up to be scammed. So here is the information and if you send me your email address, I can give you all other data of how it started with me consistently contacting American Servicing Company for months with no reply or answer to my issues even though I was not behind in my mortgage. 
All of a sudden each XXXX, I had to pay an extra XXXX. I called to get clarification ; they listened, but no reply. They required that I had to pay XXXX insurances on the property ; I questioned them about that because in all the years of living here this was the first time XXXX insurances on XXXX piece of property. Suddenly, a letter arrives telling me I had to pay for the second insurance monthly. I called asking for clarification ; nothing. I started calling for loan modification nonstop until I was told it was my fault that I did not keep after them, but I did. 
Suddenly, after I hung up on that last call, a XXXX named XXXX XXXX arrives at my home asking me did I need assistance on anything about my property. I told him how I contacted American Servicing Company with all my issues, with no results from them. He told me I can get loan modification if I get behind on my mortgage. In reflection, it seemed this was set up by American Servicing Company. 
From that moment the scam happened. All my issues were solved so I could trust the person to assist me that Wells Fargo did nothing to assist me. I got XXXX loan modifications and Wells Fargo dismissed them based upon XXXX lies : I did not pay my house taxes and I, a celibate man, was married and my wife put a XXXX lean on the property. I could not sue Wells Fargo because all was done by word of mouth ; however, I had to have a notary witness my signature to send to Wells Fargo that I spoke the truth. 
Wells Fargo is going after seniors, families and XXXX to make them homeless consistently. 
I am filing this complaint against them for what they have done to me XXXX for 50 years who served XXXX with all my heart and soul. 
Respectfully
I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me