WillisBack/dataset-financial-user-claim huggingface dataset:
A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.
Last year an agreement between XXXX XXXX/Navient and NES payment services was met for me to pay back on outstanding loans. As of XXXX of last year I could not access my account. I sent numerous letters with no response. I sent a certified, signature confirmation letter XXXX weeks ago with proof of delivery being XXXX again notifying NES of said situation. I even faxed Navient the same issue with an offer to close out the debit with a lump sum payment of {$2000.00} ; This would have been what I had left of a balance if I was allowed access to my account. As of XXXX XXXX 2015 I have not received a response from Navient or NES in regards to this matter. If neither party wants to communicate with me either via email or mail, then following the FDCPA this debit is not valid and should be removed from my credit profile.
XX/XX/XXXX  at  XXXX   XXXX  from phone number  XXXX   (   XXXX  )  XXXX  Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  services. This is starting up I feel because I have in placed a formal review with  XXXX  for the negitive reporting done by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past  XXXX  (  XXXX   ) Federal t ax returns. These payment are made directly through EFT to this company out of my  XXXX  check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.
I received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.
Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.
FedLoan Help : Nonprofit Organization is a scam, do not give these awful human beings your information. This 3rd party company mislead me to believe that they were affiliated with my student loan agency and the Department of Education. They informed me that I would be entering into the Public Service Loan Forgiveness program, Income Based Repayment Plan, and loan co nsolidation. They charged me {$150.00} a month leading me to believe I was paying off my student loans. Once I found out the payments were not going to my student loans, I tried to reach out to the FedLoan Help for clarification, they refused to answer the phone and never returned my phone calls. Shame on you FedLoan Help you guys are frauds!
I have been working with Ditech for over 3 months on a review for Loss mitigation to try to get my account current. IN the midst of my review Ditech decided to place a sale date for XX/XX/XXXX. A week before my sale date they denied my review stating that there was not enough time to review my case with an upcoming sale date, as they state I am not eligible for another modification until XX/XX/XXXX being that I received one in XXXX. 

When they began the review process 3 months ago, they had told me that I was not eligible until XXXX but that I could start applying now as the review would take a few months and that the investor allowed a review within 6 months of the 24 months deadline for a program eligibility under FHA guidelines and that if need be they would postpone the sale date to allow me time to be eligible. 

We are 2 months away from being qualified, and I have been informed that FHA has actually allowed people to be approved within 18 month of their last approval, and in this case even though we are eligible and within the time frame, Ditech will not postpone the sale date to allow us to qualify. 

I feel this is predatory lending, as I fell on an unfortunate set of circumstances when I go severely sick last year and my significant other lost her employment. 

I have since then been trying to do everything under my power to make amends on the loan and be able to get back on track now that my finances have gotten better, and Ditech stated they would try to help me and work with me only, to turn around and deny me a week before the sale date and try to say my only option is to come up with a total amount of over 15,000 $  which is impossible for me at the moment. 

I would like Ditech to postpone the sale date and allow me to be able to get back on track through the FHA Modification which I will be eligible for in a little over a month. 

Please help as I have been in my home for a very long time and would like to do everything possible to keep it and my family there.
I was completely dismayed when I saw all these tradelines on my credit report.. I disputed the accounts asking XXXX what is going on why the accounts are verified when in fact, they are not accurate.. That tells me that they did not take appropriate measures to investigate each one of them.. CFPB please handle this issue and remove the accounts asap XXXX XXXX ( multiple entries ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX   XXXX ( duplicate reporting ), and XXXX XXXX ( duplicate reporting )
Upon entering required information into the web form on Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) in order to determine if my personal information ( including my birth date, social security number, etc. ) was stolen by the massive hack that allowed the stealing of about 143 million U.S. customers of the credit reporting agency, the below message was displayed : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I am extremely worried about what will be done with my personal information that was stolen. 

I have since placed an initial 90 day fraud alert on my file, today ( X/X/2017 at approximately XXXX XXXX  MST.
Ditech.com misapplied a payment of mine months ago ( XXXX ) and has failed to fix it. I have called them multiple times, and they have continued to promise that they are " researching the problem ''. However, they continue to send me collection notices and threatening letters, even though they have admitted that they see where the misapplied payment occurred. 

This has gone on for more than 60 days, and I have been unable to get anything more out of them than " we've escalated it to the VP of our department ''. 

Meanwhile, they are sending me letters that sound more and more like they are trying to take legal action against me, even though this is not my error. 

I'm concerned now that they are reporting this to my credit, but they are " unable to confirm '' that as well.
Northern Alliance Management with telephone numbers XXXX and XXXX constantly calls my cell phone repeatedly When I returned the to XXXX XXXX she transferred me to some who was rude, threatening and hung the phone up on me. I called back to speak with the employee but then they just kept me on hold for a long period of time. When asked if they could send me something in writing that 's when the employee became rude. He quoted me owing XXXX different amounts that I supposedly owe, so I asked for something in writing and that 's when the employee became rude and hung up the phone on me.
There has been addresses that I never lived at being put on my credit report. I have been disputing this for over 4 years now. I filed a complaint with CFPB and you contacted Equifax. One of the things your website suggests is that I contact the company, or persons submitting the wrong information to get this corrected. I contacted Equifax and they gave me the run around. I contacted CFPB again, about being given the run around, and that Equifax will not give me the information, and another letter was sent to Equifax. Today I received a letter in the mail from Equifax stating that the information that I provided does not match their records. Again they want a copy of my birth certificate, pay stub with SS # on it, SS card, driver 's license, mortgage statement and utility bill. This is just a game they are playing and giving me the run around again. I am not giving them this information. They have all my information and I want the information as to who is giving them the incorrect addresses for me so I can contact them to correct it and put a stop to it. If I don't receive this information in 2 weeks I am contacting my lawyer to take this further.
XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.
Prestige Financial Services debited {$440.00} out of my XXXX Bank Checking Account in ending # XXXX on XXXX XXXX, a arrangement and agreement was made between me and Prestige in writing about the XXXX XXXX auto loan payment to be included on the agreement Extension. 
Payments of {$440.00} was supposed to be implemented on XXXX XXXX and continuing payments on time. 
On XXXX XXXX around XXXX as I received a email alert from XXXX on issues and I made contact to XXXX bank and explained to XXXX  Rep on issues and filed a claim. 

Also on arrangement contract on my Auto Loan with Prestige I respectfully requested that Prestige remove and delete the 30-60-80-90 days late and Deliquency on my credit report from XXXX, XXXX and XXXX so my credit can be in prosperity. 
Prestige Account Vice President stated that she was going to remove and delete the negatives from credit report once the agreement is signed on XXXX XXXX and on XXXX XXXX the negatives will be deleted from my credit file from Credit Reporting Agencies. 
I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military XXXX and I am on my XXXX I am protected under the ADA Disability Civil Rights Act under Department of Justice.
The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX  Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ 700.00+ a month.
Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this
Constant phone calls and messages left by Premier Portfolio group to my phone, my wife 's phone and my XXXX young sons. They claim I have an unpaid debt from a payday loan or some nonsense. They threaten to call my employer, take legal action, etc .... 
I 've asked they stop many times. Today I received a call from a young lady named XXXX. Phone number called from XXXX. Callback number was XXXX. I called back because I need these calls to stop and XXXX hung up on me when I said I would report them to the FTC. I called back and said it was unprofessional to hang up on me and asked if the calls would stop. She said that she was n't going to argue with me and she would mark my file. I asked for her full name and she hung up on me again.
Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX/XXXX/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number.
SLS continues to send people to my home with unsolicited information. I've asked them ( via email ), to STOP this behavior because of my illness, and it makes me extremely PARANOID when folks come to my home without an invitation. 

Complaint XXXX - was sent on this forum on XX/XX/2018 requesting that they be notified that Trespassing on my  property is considered unlawful and dangerous to all involved. At this time, I feel the FBI should be contacted, because I'm in fear for the Safety of my family and myself. 

They went to the neighbor 's house and told them that, I was late on my mortgage ; therefore, they were needing to take pictures from the neighbor 's yard. I'm not sure what can be done, but I owe SLS NOTHING!! and I can't help but feel that, this is not something a company should practice. Scare tactics never have a positive ending. I can't even open my Blinds, because I fell that someone is always outside my window. PLEASE HELP!!! SHOULD I REPORT THIS TO THE FBI?
I took out a private loan in XX/XX/XXXX with Navient. I have been a student for the majority of time between then and now. I have consistently had issues with Navient applying my student deferment in a timely manner, refusing to apply the deferment, and listing my account as past due when it was reported to them through the XXXX that I was a student. 
My most recent problem with this happened in XX/XX/XXXX. I had been enrolled as a student the prior semester, and the deferment was applied. I enrolled for the Summer term, but Navient refused to apply my student deferment. They ignored both my attempts to contact them and resolve the issue and the XXXX data reported to them. They also did not apply the deferment to my federal loans. I do know the XXXX reported my enrollment because another company I have a loan with applied my deferment without me needing to contact them. Instead of applying my deferment or working with me, they listed my account as past due and threatened late fees and negative credit information. 
After numerous attempts through XX/XX/XXXX and XX/XX/XXXX and a complaint with the XXXX XXXX XXXX, they had to admit they did receive the enrollment data and applied the deferment to my federal loans only ( which required no payment at this time as they are on income based repayment and my income is too low to require payment ). They still refused to apply any deferment to my private loan ( the only one requiring payment at this time ). The only reason I was given is that I can't have deferment any longer because they no longer offer NEW loans of this kind. That is ridiculous. Near the same time, I was also told that I have 12 months of forbearance available, which I repeatedly requested. That request has been ignored, with the same person ( XXXX XXXX ) responding to the email but completely ignoring my clear request to apply this available forbearance. I have made it clear repeatedly that I am unable to make the payments at this time. Not only am I a student, but I also do not make enough at my job to afford this payment above my basic expenses. In an effort to avoid the continued threat of negative information on my credit report as a result of Navient 's refusal to apply these payment postponements as agreed, I payed {$300.00} to bring my account current, having to short my rent and go without food to do so. Instead of working with me, Navient has continued to refuse to apply deferments, forbearance, or lower the payment amount. I believe they have reported negative information on my credit report, and are still attempting to strongarm me into payments I can not afford at this time with the threat of additional negative information on my credit report and added fees. I have been honest that I can not afford these payments and have tried to work with Navient, but they have made XXXX effort to work with me or honor the terms of the loan.
Experian is reporting inaccurate information on my credit report passed the 7 years statue of limitations ... ... why? ive tried to contact them in regards ... .its against the law to report items for 14 YEARS ....
The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. 

I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. 

I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. 

I have had no debt since I paid off my mortgage in XXXX.
To Whom It May Concern : When I try to access my prepaid rewards card account I am told that I must answer 4 security questions. First of all, none of the XXXX XXXX Q.s apply to me, and second, why would I share my personal info with a 3rd party, Fidelity National Information Services, which is not XXXX Bank where I have an account and earned the rewards?!! 

In any case, this is more security than I have been asked for by any bank, and it only makes it much harder to use the card, so Fidelity National Information Services can subtract more fees, or force me to call to find out my balance ( which I need to use the card! ), and then be charged even more fees. 

It is common knowledge that these prepaid " reward '' debit cards are a giant scam by the financial industry : I suspect that a large % of the value of these prepaid cards is lost by consumers due to these perverse tactics.