WillisBack/dataset-financial-user-claim huggingface dataset:
I already have a complaint with CFPB under XXXX # XXXX. If you google the company XXXX there are reports of scams matching this company and they have provided no source of the company they claim that they are collecting for, if you look them up in the better business bureau there are over XXXX complaints of this being a fradulent company. Now they are reporting on my credit under another name demanding that I pay something that is not even mine. Now they are going under this information for the same information saying that I owe a payday loan from XX/XX/XXXX 

XXXX # : XXXX Current Creditor : XXXX - XXXX Original Creditor : XXXX Account # : XXXX Account Balance : {$760.00} XXXX XXXX XXXX, XXXX. 
XXXX XXXX, MO XXXX Toll-Free # : XXXX Fax # : XXXX Website : XXXX My information is being passed along repeatedly to DIFFERENT companies buying my old information and saying that I owe a debt that I never took out, it is getting ridiculous that now it is on my credit report displaying the name XXXX XXXX and also that the debt was opened on XX/XX/XXXX. I am totally being scammed, I want this off of my XXXX, XXXX, and XXXX report IMMEDIATELY because I am being scammed, none of these companies can provide debt validation so I can investigate this properly to the authorities. No company would decide to go on trying to collect a debt that is supposed to be from XX/XX/XXXX and it is almost XX/XX/XXXX. That is how I know this is FAKE! If I took out a loan that should be able to provide documents, electronic signatures if it was done on line and also provide the XXXX address of the computer it came from, they put it on my credit report before even notifying me, total scammers. Please rectify this issue IMMEDIATELY
I spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.
Hello, I am XXXX years old and have a decent job working for XXXX XXXX XXXX XXXX XXXX. For work, I help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In order to get to this position, it took 1 year of prerequisite XXXX XXXX XXXX at XXXX XXXX XXXX University and then 2.5 years in a XXXX program at XXXX University in DC. This was unbelievably expensive and after 5 years of payment, almost all of my principal balances exceed the loan original balances. This is mostly due to " Private '' student loans. My federal loan debt is {$100000.00} and my payments are $ XXXX/month ( which is very reasonable ). My private loans are another story. I owe {$53000.00} and my payments are $ XXXX/month. ( This amounts to about 1/3rd of my monthly income. ) I repeatedly asked the private loan companies ( XXXX and Nelnet ) to reduce my minimum payment due to meet my income and they have repeatedly refused to work with me on this. My interest rates on the private loans range from 6 % -8 %  and they consistently treat me ( their customer ) like it 's my fault that I can not afford the payments. My credit has suffered when I made late payments while trying to make rent. I am not alone. Many of my friends and professional colleagues are in a similar position. Ideally, I would like to see private student companies be required to offer income-based repayment just like federal loans. It seems like a very reasonable way to allow young professionals to be able to be more financially stable. I would like to see private student loan interest rates also capped at 5 % or lower. This is one of the main reasons for me and many others being stuck in this endless debt cycle. I would also like to see a much larger student loan interest deduction. In 2016, I paid {$5700.00} in interest on my private student loans however ; I was only eligible for a {$2500.00} deduction. If you could push for private student loan reform and an increase in the student loan interest deduction, I would guarantee you would find overwhelming support from the majority of the students and folks who have a ton of student loan debt. I live in XXXX ( XXXX XXXX XXXX XXXX XXXX ) and would be glad to meet and chat about this request anytime. Many thanks in advance, XXXX XXXX XXXXXXXXXXXX XXXX
Rushcard system is down my balance is not accurate they keep telling me it will be fixed soon. I ca n't even pay my bills because my funds are n't available due to their system outage. They keep putting me on hold and transferring me. The longest I 've been on hold was 50 minutes. Never had any issues before with them but now this is ridiculous
I have been attempting to obtain a loan modification on a mortgage at 6.8 % with XXXX XXXX XXXX for several years. I submitted complete applications by mail to XXXX on several occasions and attended a workshop held by the bank at the XXXX XXXX XXXX XXXX. With the representative assisting me, another completed application was made and all supporting detail was given directly to the bank representative. Over the course of this time, I was assigned several primary contacts with the bank, all of whom were extreme difficult to reach and did not return messages. Ultimately, I was informed directly by the bank that I had failed to submit all documents on a timely basis and therefore a modification could not be rendered. A few days after my last conversation with the XXXX, no resolution in hand, I received notification that my loan had been transferred to Green Tree Servicing. That was two years ago. Until XXXX 2015, Greentree has been oblivious to Harp or Hamp regulations and has consistently referred me to their refinance department where I was told they could not help me because they are not licensed to write loans in New York state. In XX/XX/XXXX I was given the name of my new primary contact at Greentree to whom I sent all required detail via Registered return receipt mail. I was then notified that I had failed to return necessary detail and therefor consideration for a modification was terminated. 
I have verified on the XXXX web site that the loan is one of there 's and eligible for modification. The house is in a nice suburban residential neighborhood. It is in good condition but attempts to sell at or below its appraised value have been unsuccessful due to the substantial number of foreclosures currently available at distress pricing. I 'm left in the untenable position of paying extraordinary interest on a property that can not be sold at sufficient enough price to satisfy the loan principle closeout let alone closing costs.
Dear Sir 's or Madam : ( XX/XX/XXXX ) Several Months ago I received a letter from, Wells Fargo Home Mortgage, that I qualify for a rate reduction on my 6 % {$50000.00} Outstanding Mortgage of {$50000.00}, which I obtained from Wachovia Bank several years ago on my Co-Op Apartment, ( XXXX Bedroom/XXXX Bath's/etc ) ... 
I went to my local Branch Office of Wells-Fargo, and filled out papers asking for an Option to reduce my interest payments from 6 % to under 2.6 % on my outstanding mortgage andduring my several visits to different Wells-Fargo branches throughout XXXX, N.Y., I asked for information regarding my request to reduce the interest payments, which wouldhave saved me enough interest, to start paying down my principle ... 

Too make a long story short, nothing has happened, and every month that went by Iasked them for a decision ... When will Wells-Fargo reduce my interest of my Loan # XXXX, outstanding {$50000.00} Morgtgage Loan Originally from Wachovia Bank? 
I also complained, that I was now constantly being called by several money-lender 's whoare offering me to " Refinance '' my mortgage and frankly I honestly believe that my namewas given to these money-lender 's by the people at Wells-Fargo and I generally just hangup and tell them that I am not interested in refinancing at their rate of 3.6 % + fee 's, etc. 
In my opinion, after having received, several letter 's, from : a XXXX XXXX XXXX, Executive Mortgage Specialist, Customer Care and Recovery Group, XXXX Ext. XXXX, telling me that my " concerns '' are very important to Wells-Fargo, and promising that theywill provide me an update on their research into my inquiry ... which is nothing but a ploy topush me into XX/XX/XXXX which will end my right 's to ask for a interest reduction of 6 % to under 2.6 % that was originally made available for, XXXX Citizen 's such as my self, with a good credit rating, who also happens to be an XXXX XXXX XXXX Veteran, thatsimply wanted to take advantage of this benefit that will expire shortly ... .this disruptivebehavior, on the part of attempting to continue extorting 6 % interest, and not making alogical decision to get into compliance with The Consumer Finance Rules and Regulations in regards to aiding and assisting, " XXXX Citizens and Veterans '', to afford their homes, is one of the reasons that there are so many " Homeless Citizens and Veterans '' in our great nation ... In addition, I think it 's criminal that they are obviously in league with severalmoney lenders, for their own selfish reasons, to give our names for refinancing with XXXX XXXX, etc. etc. 

Please file this complaint with your grievance-department post haste, in order to grand-father, this request of a mortgage interest reduction, that they merged out of XXXX Bank, and have figured out a way to sell off all inquiries that are not profitable totheir continued plunder ... Please AdviseSincerely, XXXX " XXXX '' XXXX ( XXXX Citizen/Veteran XXXX ) XXXX XXXX XXXX, XXXX . XXXX, New York XXXXTele : XXXX Cell : XXXXE-mail : XXXXXXXXXXXX
I had initiated several disputes with Equifax on XX/XX/XXXX. The date the investigation was to be completed was XX/XX/XXXX. As of today, XX/XX/XXXX, the investigation is still pending and I have accounts still showing delinquent when, they dont belong to me or should have been paid by the third party involved.
These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.
I made an international wire with my bank Suntrust to a beneficiary with a bank call XXXX and the funds have not arrived. The wire was sent on XX/XX/XXXX and as of XX/XX/XXXX the funds have not been credited. I have done various TRACES through the banking system but as of yet nothing has happened.
When I opened my checking account with U.S. Bank, I never opted in for automatic overdraft protection. In reviewing old U.S. Bank statements, I learned that the fees in excess  of $ 200+  dollars originated from an unauthorized debit transaction that U.S. Bank  decided to pay, which caused my account to be overdrawn by  less tha n one d ollar ( {$1.00}   XXXX   ) ; I believe the exact amount was {$0.00} (   XXXX   XXXX   ).     U.S. Bank has charged numerous fees all as a result of this transaction. They charged overdraft fees, negative balance fees, and interest, I believe, was another fee that was posted to my account.     They 've since sold this debt at least twice now, and when I received the collection notice from each of the d ebt collectors to  whom U.S. Bank sold this account, I asserted my right under the Fair Debt Collection Practices Act to demand validation of the debt. As a result, b oth debt collectors returne d the debt back to U.S. Bank.     On  XXXX   XXXX ,    2017, I re ceived a correspondence from U.S. Bank in which they erroneously claimed that I sent a cease and desist letter to their debt collector, when, in fact, I demanded validation of the debt.     So far, I have had to spend approximately {$15.00} sending certified letters to U.S. Bank and their debt  collectors. I b elieve U.S. Bank will continue to try to collect on this invalid debt, continue to damage my credit, and they will never admit fault in this matter. This is why I have escalated this matter to the CFPB.
I have a direct debit scheduled for the XXXX of every month for 3 student loans. The debit is more than the minimum payment which I allocate the excess amount to each loan. On XX/XX/XXXX, I reallocated the excess payment to pay more towards the loan with the highest interest. I called the servicer on XX/XX/XXXX to ensure that my regularly scheduled direct debit would take place on XX/XX/XXXX. The representative assured me that the appropriate amount would be taken out. I informed him that when I logged online that it showed a lower amount than I normally pay and the direct debit amount did not necessarily look like it was scheduled. He assured me that there were two payment schedules and that it would total the full amount I typically pay. The following week, on XX/XX/XXXX, I noticed nothing took place and my account became delinquent. So I called on that day and was told that they would reschedule my payment and no action on my part was to be taken. On XX/XX/XXXX, I noticed nothing took place again. So I called and was told that it should be fixed within the next couple of business days and a note was made on my account. On XX/XX/XXXX, I noticed my account was still delinquent, no action or debit had taken place with my bank, and called again. Finally, I was told that the task scheduled would take an overpayment I made from XX/XX/XXXX and allocate it as my XX/XX/XXXX payment to remove the delinquent status. This task takes up to 10 business days. This representative communicated this information to me and was new information after speaking to XXXX other representatives over an almost 2 week period. While this does not affect my credit score, I do believe the servicer is responsible for having representatives who are capable of explaining to consumers the appropriate information to prevent situations where someone is delinquent on a loan. Had I known what the 4th representative told me on XX/XX/XXXX, I would have scheduled a payment to prevent a delinquent status on my loans.
Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. 

And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. 

Then for conclusion, an enrollment page in myscore.com and various other online services. 

Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. 

Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. 

The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. 

Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!
Bought XXXX XXXX XXXX cards ( XXXX transactions back to back {$1000.00} each for XXXX {$500.00} cards ) at a XXXX on XXXX. Used XXXX. Have done this many times in the past. Charge posted to XXXX. XXXX of XXXX cards failed to activate. XXXX card, although not used as of this time, appears active with access to the full {$500.00}. Called XXXX/Incomm cust service immediately, within one hour of purchase -- usually activated within ten minutes. 

After a very long hold to reach a human, got the run-around saying system error, problem will be fixed in 2 hours, we can not even access your card information. 

It has been three business days and again, only XXXX card shows a balance, the other XXXX are not recognized by their system. 

Their incident process is intolerable. 
I have notified the General Manager at the XXXX store before doing an XXXX charge back so she is aware this is not any attempt on my part at fraud.
My current mortgage is with Roundpoint Mortgage. Recently I lost my job and contacted them to find out what options I had, or what they could assist with to prevent me from defaulting on my loan. I was told to fill out " Hardship '' application and provide all documentation and then it would be a 30 day review. It has been over two months, and RoundPoint Mortgage ca n't seem to keep track of my paperwork. Every three weeks something is missing ( even though it was previously submitted ) or now.. some paperwork is starting to expire because they have sat on it so long. It takes then over a week just to process your paperwork from an email attachment into their system. They refuse to let you speak with managers and supervisors. I have called day after day after day, we did have a manager call us back once at XXXX when we called him back at XXXX he was gone for the day. Really helpful. RoundPoint mortgage has terrible customer service and is negligent in their customer service.
I purchased a US Bank XXXX prepaid card at a local grocery store on XX/XX/XXXX. Days later, when I tried to use the card, my transactions were getting declined. I went online to check the card status and its balance to make sure it was activated correctly and saw there were several unauthorized charges on the card already ( without my knowledge ). I immediately called US Bank customer service number on the back of the card ( XXXX ) to file and report and dispute the charges. I was asked to faxed in the following information : front & back of the card, my first and last name, my address, and my phone number. I included those info plus the purchase receipt as well as my photo ID and faxed them to ( XXXX ) XXXX as requested. The card was immediately locked and no further use was allowed. Afterward, I did not hear back from US Bank on when would I receive a resolution to the issue nor when I would receive a replacement card as promised by the phone representative. Several months later, on XX/XX/XXXX, I called US Bank customer service number again to inquire about the case. The customer representative at this time told me that they did not get a response from me so they closed the case. For the record, I was not contacted by US Bank either by phone or by mail even once after my faxing of the requested documents above. Then I was instructed to fax my info again to a different fax number ( XXXX ) XXXX, the Lost and Replacement Department I believe. I promptly did so on the same day. However, about a week later, I received a voice mail coming from US Bank saying that I'm not eligible for a replacement with no clear reason given. To date, more than 4 months after my purchase of the product, I still can't use it and I'm out of the original purchase price.
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
We filed a Chapter XXXX Bankruptcy and completed the restructure in XX/XX/2016. We are in the process of refinancing our loan and Wells Fargo is reporting the payments made in our Chapter XXXX as late payments. We have contacted them and tried to resolve the issue, however they have extended their investigation time for over a month. We received a latter today stating they have done an investigation and the reporting on this end is accurate. 

We also had a payment plan from Wells Fargo Bank, made the payments they asked for and they are also reporting the payments as late on our credit report.
I had a mortgage counselor to send Selene Finance a modification package about four months ago. When I contacted an attorney with XXXX to see if she could assist me with getting a QWR from Selene Finance stating why I was charged advertisement fees, title fees and other fees. When the attorney reached out to Selene regarding the QWR, they responded with a denial of my request for a modification. In the denial letter it states that I do not qualify for the mortgage program requirements which I know is not true. I do qualify and I do make enough money to afford my house. Selene took an extremely long time to respond to my modification request. They do not have rightful reasons to deny me and I feel they only did so to avoid giving me the QWR. I want to get my modification that I have been trying to get for almost three years now. From being transferred from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and now to Selene Finance. I have been jumping whatever hoops my mortgage company tells me to but then they still deny me a modification.
I received two collections letters from XXXX XXXX XXXX ( aka XXXX XXXX ) on behalf of U.S. Treasury. I promptly wrote to them and provided evidence of identity theft for data services. Instead of addressing the issue, they processed my information as a " inability to pay due to financial hardship '', and mailed me a 5-page financial statement form to complete.