WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.
I purchased the house in 2005 for {$30000.00} on a 30 year loan. I have paid on this for over 20 years now. The mortgage has been sold a few times but when this bank purchased the loan, I asked them to send me paperwork showing my balance. They told me to keep paying from the coupon book I had. I asked them several times to send me something showing what I owe. Over the last 4 years they increased my payment. This year I asked them why. They said it was to cover the cost of insurance and property tax increase so I called the county and they said they are not raising taxes this year. I then called my insurance agent and he said he has not raised my insurance in the last 5 years. I am now receiving monthly bills for the house and it shows a balance of {$60000.00}. I have called several times to ask them why there is still so much due when it should be about paid off. They hang up on me or transfer me and I am on hold several minutes. 
I have had XXXX eye XXXX 's this year and am now going to lose my job as a XXXX XXXX   driver as I have lost the sight in my eye. My husband has been XXXX for the last 3 years and so has no income. Every time I call the bank to see what we can do they threaten me with foreclosure and my credit. I am in an XXXX mortgage. 
I called HOPE and talked with a man named XXXX from XXXX. He called the bank and tried to get them to answer questions for me and he found that they did the same thing with him. First they hung up on us, then they put us on hold for XXXX minutes, they came back on the line to say they are transferring us, we were again on hold for XXXX minutes before the phone was disconnected. XXXX from XXXX suggested I fill out this complaint. I have a PIF receipt for an old balloon payment that I believe they may have added on to my balance. But again when I bring that up to them, they transfer me before they end the call without anyone talking to me. They are also charging me for not having a local bank in my area. I told them they should not charge me when they not having a local in my area is not my fault since they bought my mortgage.
Collector IC Systems is committing FRAUD. Debt collector attempting to collect old debt that was never owed - services were paid for at the time rendered. Collector FRAUDENTLY alleges that medical services provider recently engaged them to collect debt that was paid at the time services were provided over 4 years ago - collector was rude, attempted to employ confusing tactics to dissuade me from questioning them on the debt, and ultimately failed to provide any real information - collector attempted to hide behind medical privacy reasons for failure to disclose nature of the debt IC SYSTEMS IS COMMITTING FRAUD
Did not receive any correspondence of my right to dispute this debt prior to it being place on my credit report. Continued attempts to collect debt not owed.
I received a wells Fargo credit card that I never applied for. Credit line XXXX dollars. I am in the process of trying to pay off all my debt I sure did n't ask, or need this.
We applied for a mortgage loan with Wells Fargo Home Mortgage through XXXX XXXX ( XXXX ID # XXXX to purchase a condominium at XXXX XXXX XXXX XXXX. Wells Fargo issued a mortgage commitment letter during the preconstruction phase of the building, which was required to be reissued after a period of time. As a result of the commitment letter issued by Wells Fargo we made a substantial deposit to purchase a condominium unit at XXXX XXXX XXXX XXXX. We made many attempts to contact XXXX XXXX to reissue the commitment letter but she did not return calls or email. Wells Fargo through its agent XXXX XXXX was the preferred lender for the building and we were required to seek the initial mortgage commitment through Wells Fargo. When XXXX XXXX finally responded to our many requests, she advised us that Wells Fargo would not issue a mortgage loan. However, XXXX XXXX and Wells Fargo have refused to issue a denial letter for the mortgage application with specific reasons, which is required by law, as to why Wells Fargo would not issue a mortgage loan. 
Wells Fargo and XXXX XXXX intentionally deceived and misled us by issuing a commitment letter which we relied on to submit a very substantial deposit to the builder to purchase a unit at XXXX XXXX XXXX XXXX and then refused to issue a mortgage loan. We believe that Wells Fargo, XXXX XXXX and the builder of XXXX XXXX XXXX XXXX have engaged in a conspiracy to write commitment letters to prospective buyers to then revoke the commitment, so that the builder/seller can retain the deposit money ( which should still be in escrow ) even when the unit is sold at the same or higher price. 
According to the XXXX Consumer Access Site, XXXX XXXX goes under XXXX names : XXXX XXXX XXXX and XXXX XXXX XXXX. Her address and phone number at work is : Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX - XXXX XXXX, New York XXXX XXXX Given the foregoing, we have requested that the builder return our deposit since they have placed the apartment up for sale and we believe is currently in contract.
Experian has negative account information listed XXXX and XXXX. These are not my accounts. I do not owe these companies any money.
This was a call from a debt collector agency, left a vmail on my office phone. They pretend to be calling from XXXX XXXX XXXX with a delivery and they need to verify the address. HOWEVER they are Hewitt Capital. 
This company Hewitt Capital LLC, has been calling office threatening me. A representative of the company calling himself XXXX at a XXXX phone said he tried to deliver me a summons to my home but was unable to deliver. He would not provide any information other than the sender of this mystery package is H.C & Associates ; another acronym for Hewitt Capital. He was extremely rude and pretended to transfer the call to another department, however he actually hung up. I tried to call back several times, to which there was no answer. He refused to provide me any documentation or information on the summons they are delivering to me. I informed XXXX, I am not permitted to take personal calls at work and to stop harassing me I was not going to deal with them and hung up. They have continued to call my office and leaving voice mails on multiple mail boxes that they are going to issue me papers for summons, none of the voice mail boxes are private so they are sharing private information with staff at my work. 

Desired Settlement : Stop the harassment and provide me with all documentation for me to research if I truly have this debt they claim as the company they claim I owed is not licensed to issue loans in Virginia and Hewitt is not licensed as a bill collector in Virginia.
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX are improperly reporting on XXXX experian and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX policy ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by experian and XXXX.these debts should not be on any credit file as they are insured and the result of error.
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my XXXX XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.
Bankruptcy final XX/XX/XXXX, at that point, was not including the home. We never did reaffirm the debt with CitiMortgage. After MANY months of trying to work out a payment arrangement with CitiMortgage, filling out the same paperwork multiple times, sending and having to resend requested paperwork to them multiple times and getting nowhere we decided to give up and let the foreclosure take place. Sheriffs auction was XXXX XXXX and Confirmation of sale was XXXX XXXX. Beginning XXXX XXXX we started receiving Statements from Citi, when I called CitiMortgage they informed me that we still had a mortgage on file with them. So I called their attorney XXXX and inquired with them, and they told me they show it as final that we no longer have a mortgage with Citi, I had to take it up with Citi. In the meantime I received paperwork from Foremost Insurance telling me I need to take out Hazard Insurance on this home, which may I add I no longer own according to CitiMortgage attorney XXXX, and if I do not do so they will get Insurance for me. So I contacted my attorney. When I spoke with him, he informed me that technically the home was discharged in the Bankruptcy because we never reaffirmed the loan. Today, XXXX/XXXX/XXXX, I received a XXXX Form from CitiMortgage for XXXX taxes. Im not sure what our next steps need to be as I am waiting to hear from our attorney used for bankruptcy.
I have been working with National Collegiate Trust 's collection agency XXXX XXXX XXXX, and through my bankruptcy XXXX and XXXX agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and XXXX lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with XXXX XXXX. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. 

XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. 

XXXX has never answered the complaint or contacted me. 

XXXX has disappeared and seems to not be honoring the agreement. 

I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. 

My income can not support these payments. 

I have filed multiple complaints and I need XXXXXXXX and XXXX to respond NOT XXXX They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
My Identity information has previously been compromised and used to open several accounts and inquiries without my permission. These are just some if the accounts that were opened in which I do n't recognize. 

National Credit Systems- XXXX XXXX Apartments Date Opened- XXXX/XXXX/XXXX amount owed- XXXX This a Fraudulent account and I want it removed from my credit file with all three credit bureaus XXXX XXXX XXXX XXXX XXXX
I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!
i am filing this complaint to report a false statement from BC Service inc, a collection agency. i just found it out when i received my credit report from XXXX this week .At my biggest surprise i saw this debt collection of {$850.00} reported on XXXX 2016 to the XXXX credit bureau which state that i have an account that was open on XXXX 2016 with BC Services incorporation located at XXXX XXXX XXXX XXXX co XXXX. 
Firstable this is a false statement, i have never opened an account or never do business with this company. but that was reported to the XXXX credit bureau that i open that account with them since XXXX 2016 that is a lie. 
Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the XXXX credit bureau. According to th e Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the XXXX credit bureau. but BC Service inc did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond. also i ask them to sent me a complement payment history starting with the original creditor they never respond
Recently I contacted my credit card Capital One to find out how much the minimum amount was due for payment and was told that {$120.00} would suffice. Once I paid the bill a few weeks later I had a family emergency where my dogs XXXX was XXXX and we raced to the hospital to tend to him. At the time I needed gas so that I could return back with the family and I had my sister and my XXXX mother in the car with me. Over the internet the credit card indicated that I had monies available. To our shock and surprise, the card was declined because I later found out that there was a hold on the credit card. I can not explain the weight of how embarrassed and mortified I was in front of my family and the gas station attendant. Why would the Capital One website indicate that monies were available? To add insult to injury, the customer service representatives were clearly unfazed by my plea and situation. They were rude, unprofessional, abrupt and quickly disconnected the call. Prior to the disconnect, I was also told that I had to pay an additional {$75.00} with no explanation. At this point, the responses I received were callus, rude and abrupt. No one ever explained where this amount came from however when I checked back and got a supervisor I was told that I did n't owe {$75.00} because the money was waived for some odd reason. I am still unaware why I was charged initially and why it was waived. Maybe it waived due to the cruel and horrible treatment I received. To date, I needed the monies for food for my family since the amount available had changed from gas money to {$59.00} being available. Realizing that this company communicates one thing and is not always forthcoming, I decided to contact them before I embarrass myself it I used the card and it was declined. Now I am being told that I need to pay {$24.00} because when I previously paid {$120.00} I needed to pay {$140.00}. Why was n't this information made available to me previously? Why was I charged {$75.00} and then it was waived? Why does it say that I have available credit over the internet and phone line when the card has a freeze/hold on it? This company is unethical, unprofessional and constantly misinforming me regarding my bill. I have no idea what is going on and they need to stop. What 's in my wallet is nothing because I am constantly being mislead by a heartless company that refuses to make any exceptions to life 's situations.
I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed
XX/XX/XXXX - Signed up to receive my credit information from XXXX with the offering of a {$1.00} credit score. Absolutely NO other obvious information informing me of additional charges or membership fees. 

XX/XX/XXXX - I realized that I had two charges on my credit card for the past two months for a {$39.00} monthly XXXX membership. I called the company to cancel my membership and receive a refund for the {$79.00} charged to me. The customer service representative on the phone assured me that my membership would be cancelled and that she would submit my request for a refund. She then proceeded to offer me a number of different options for continuing my membership with XXXX including discounted membership fees, additional services, etc. I refused all of the offerings and insisted that I only wanted to cancel my membership and receive my refund. The CS representative then told me that I could keep my account active for the remainder of the month at no charge but DID NOT inform me that I would have to call back at the end of the billing period to confirm the cancellation of my membership. She made it seem as though everything would be taken care of, I would not be charged further, and that as a concession I would be able to access their site for the remainder of the month. However, this was their way of keeping me on the hook and using deceptive means to keep me paying. 

XX/XX/XXXX - I receive an email from XXXX saying that my refund was not approved because it was outside the billing period. Even though the CS rep told me that I could have it refunded. 

XX/XX/XXXX - I check my credit card statement and realize that I have been charged every month of XX/XX/XXXX for the {$39.00} monthly XXXX membership even though I called and cancelled my account. 

- I then submit multiple requests demanding that I be refunded for all previous months that I was deceptively charged for services I did not agree to pay for and DID NOT USE. 

- I received a refund for 2 of the 7 months that I was incorrectly charged, but I received a denial of refund for the remainder of the months claiming that it was " outside the billing period ''. 


Total Amount Illegitimately Charged = {$270.00} Total Amount Refunded To Date = {$79.00} Total Outstanding Refund Due = {$190.00}
In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX. 

For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time. 

I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply. 

Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.
I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.
Portfolio Recovery : XXXX, continues to call family members divulging my personal information in attempt to collect a debt that I do not owe. Additionally, this company has received written notice to seize and desist all attempts to contact me. I previously submitted written complaints to your office regarding this company.
Originally obtained auto loan through XXXX in XX/XX/XXXX. I was unable to make the payments and gave the car back to XXXX. They auctioned the car, but never gave me notice about amount sold for or any deficit. 

XXXX XXXX purchased the debt in XX/XX/XXXX. The claim they sent me a letter to dispute the amount owed, but I never received any letter. In speaking with XXXX ( Mr. XXXX ), I was told they sent it to a specific address. However, I never used that address on my loan application, nor had I lived there in the past 10 + years. XXXX refused to answer questions. I sent an email with several questions, but they again refused to answer same. XXXX claims the car was sold for {$7600.00} However, my credit report shows XXXX. He refuses to explain the additional amount. he said he was will to negotiate. 
This should not be on my credit report, because I never had the opportunity to dispute anything, including the amount owed. 

Please see attachment with questions sent to Mr. XXXX.