WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX I received a call at work from a process server stating he would be there that day to serve me. He gave me contact information to MidLand Funding since I had no idea what this debt was for. When I called them they said an online loan taken out in XXXX XXXX was due today in the amount of {$1500.00} or they were suing me for {$4900.00}. They also stated I could not make payments, and when I told them I never remembered taking this debt and asked if they had paperwork they said no, and called XXXX to " verify '' the debt even though all they did was verify my SSN and name was listed on a sold debt. When I asked why I had never been contacted about this before hand they said they did not send any notice because they were swamped with these cases and needed to try and get judgment on all of them so people 's tax returns could be taken in XXXX. I let him know I may be able to borrow money from someone but I did not remember this debt and would like some kind of paperwork. After I made it clear on XXXX XXXX that I could not pay the {$1500.00} today either way ( because I did n't have that much money right now and I could not verify this was my debt ) he was angry and said he did n't know what kind of proof I expected and I did n't have a days notice to pay I had over 3 years to pay! I informed him no one had contacted me about this from his office and he said they did n't have to because I breached a contract 3 years ago and I should have already known about it? The fact that he also said I would have my payroll garnished ( which is against KS state law when the debt is sold to a third party collector ), and that he was filing that I refused to pay with malicious intent and that I was going to lose before hanging up sealed the deal. All I wanted was some kind of information to verify this debt ( which he gave me some basic information i.e. when it was supposedly taken out, my SSN, bank account, and that several payments were made before it went bad ) but said there was no actual paperwork and I would have to go to my old bank and try to get the records to prove it. He asked if I expected them to have a video of me in front of a computer taking out this loan?! Anyone with access to XXXX paycheck stub would have had all of my information and anyone I ever wrote a check to at that time had my KS DL number!? All I wanted was some kind of information sent to me, maybe a listing of dates taken out and payments made to verify with my bank although I never remembered this or a chance to make payments and be called in advance, and I am threatened and talked to rudely instead.
Guild Mortgage took two payments out of my checking account for my house payment due XX/XX/2018. One payment was taken out XX/XX/2018, and a second payment was taken out XX/XX/2018. Because I had two house payments taken out of my checking account, my account became overdrawn with a negative cash balance. This resulted in 3 overdraft charges of {$35.00} each from my bank for a total of {$100.00} in overdraft fees. 

I sent a letter to Guild Mortgage asking for a refund on my second house payment, and at the time two overdraft fees of {$35.00} each. The third overdraft fee came in after I had sent them the letter. They sent me a check in the amount of the house payment, but ignored my request for reimbursement of the overdraft fees. 

I believe they should send me a check for {$100.00} to reimburse me for the 3 overdraft fees, since they caused the problem by deducting 2 house payments.
Dear Staff, I am unable to keep my home that is secured by mortgage with Wells Fargo. I bought the home years ago, but lost same due to the down turn in the economy/financial industry in XX/XX/XXXX and for personal health reasons. Briefly, with the help of then President Obamas making home affordable, I was successful with a mortgage modification. I accept all conceivable excuses as to why the loan is in default. 

For the past six months plus, I have been working with Wells Fargo to remodify the mortgage once again, or commence with a deed in lieu or short sale of the home. During the re-modification process, I mentioned to Wells Fargo that I would move back to XXXX as nothing is holding me in XXXX. The re-modification attempt failed. Wells Fargo told me that their rules would not allow for re-modifications, thereafter, Wells Fargo changed their denial to you do not live in the property. Of course I asked why didnt Wells Fargo mention in place rules before commencement of re-modification. I mentioned to Wells Fargo that I was moving to XXXX. I took my time, effort and money to go to XXXX  to accomplish all tasked needed to move into the house. I then agreed to with Wells Fargo that I would short sale the property. I specifically asked how much time do I have to short sale the property and was told, on more than one occasion, there is no time limit on short sales. I thought that was odd, and mentioned to WF that I would quickly commence with a short sale. 

Two weeks ago, WF called me to tell me that they would not consider a short sale due to the fact that as of XX/XX/XXXX, your agency, CFPB, changed rules regarding mortgage foreclosures, and insisted that it was the consumers responsibility to have known that fact. I dont believe what Wells Fargo told me. I asked why didnt you, ( Wells Fargo ) tell me that a month ago about CFPBs ruling. 

I am convinced that Wells Fargo intentionally misled me during the process from re-modification to short sale efforts. It is very clear that Wells Fargo obfuscated every aspect of my efforts to avoid a foreclosure that would negatively impact my credit rating. 

Several times I have asked Wells Fargo its explain its arrangements/agreements with FDIC regarding failed mortgage loans as a result of bad/fraudulent loans funded by XXXX XXXX, XXXX XXXX, aka XXXX XXXX. Wells Fargo purchased these companies along with failed loan reimbursement rights sponsored by the FDIC. These agreements are not in the interest of mortgage consumers, but rather in the interest of banks like Wells Fargo.
I made a purchase from Nordstrom.com on XX/XX/XXXX and they sent the merchandise to my old address. The merchandise was delivered XX/XX/XXXX and was stolen before I could retrieve the items. I contacted Nordstrom multiple times and they refused to help me. It was even confirmed by a Nordstrom Customer Service Rep that the package was signed for by someone else. Now they are holding me accountable for the charges and I never got the merchandise I ordered. I also filed a police report regarding this incident.
Opened Bank account with {$15000.00} in funding split between Savings and Checking for {$400.00} bonus as seen here. 

XXXX XXXX XXXX XXXX XXXX XXXX Account was opened on XX/XX/XXXX.  Bonus terms said money had to be in account for 60 days. No bonus was posted after. Contacted Citi multiple times and still no resolution
Hello, My student loans were originally serviced by XXXX but were sold to Discover Student Loans a few years ago. On my original promissory note, it states that I could have my cosigners removed for loans XXXX and XXXX after 48 on time payments. Today, I am beyond the 48 payments. I contacted Discover a few months ago and they sent me the cosigner release form. I filled it out and set it back to them over 30 days ago. On their letter, one of there statements says, you should hear something within 30 days. Well, it has been beyond 30 days and I still have n't heard anything. I contacted them a week ago, and they said, just give it the time that is needed. There was no mention when I would receive official word or even if my cosigners are released. 

Two years ago, I had XXXX loan out with them and successfully got my cosigners released after XXXX payments. But, they were doing the same thing like they are now, and I had to file a complaint to inquire what they were doing and why they were stalling. 

For the year of 2015, I have paid discover a total of XXXX dollars. On top of that, I have paid XXXX dollars in interest. My gross income for the year of 2015 is XXXX. My credit score as of today is XXXX. I could come to XXXX instances why it is taking beyond 30 days to respond to my submission of the cosigner release form, it is either because someone is being lazy over there or it is being done purposely, so that they can continue to stretch this out, like they did two years ago and hope that I will give up on my cosigner release. However, they are violating the stipulations in the promissory note. By the way, when I submitted the cosigner release form, I included several pay stubs, so they have all the information they need.
On XX/XX/ there was a fraudulent charge on my account for XXXX, then on XX/XX/ another charge for XXXX. They are claiming that since the original charge was more than 60 days they are not responsible for the 2nd. They refunded the 1st charge. Using their own logic, they would not be responsible for the {$1.00}, they reversed that which means it is all covered.
Was contacted by a XXXX party collector trying to collect {$830.00} and the loan was for {$600.00} and finance charges for a total of {$730.00} sent documents to them showing loan was paid and they contacted us stating documents were false and they were going to press charges for presenting false documents and then tried to settle the amount to {$500.00}. Asked for verification documents and were denied the documents. Very rude when told not to contact me or my husband and they stated they would contact my husband anytime they felt.
on XXXX XXXX XXXX I refinanced my home equity line with XXXX XXXX, They sent out a check and on XXXX XXXX Huntington deposited it. I had an account at Huntington that I had money saved and did n't touch so I was unaware that monthly Huntington was now taking a minimum monthly payment from that account, I went into the local branch to closet that account to find it was drained and found out why. The local branch was no help and the XXXX was no help. They essentially deposited that check and stole that money, they said since there was not an account number on the check they would not have known what to do with the check. XXXX XXXX sent a payoff letter with the check that had the account number and all my information that Huntington conveniently misplaced. I need this taken care ASAP because I 'm refinance my home with XXXX XXXX and that line is still showing open so I now technically have XXXX liens on my home and Huntington 's should have been closed & released over 2 years ago.
I normally pay and monitor my account online. The last 2 months I have been unable to log on and it has been incredibly difficult to navigate their customer service system to get a live person to help me, when all I'm trying to do is pay my bill and check my balance. Last month they had to force a log in, in order for me to log in and it worked, but I was unable to log in a second time or since then. this month I have tried to reach someone to help me with this issue but keep getting routed to bots that are unhelpful. this issue has created an undue burden against me that has made it harder to make my payment on time, affecting my credit score.
Global client solutions of XXXX XXXX has been taking automatic payments from my checking account to pay towards 2 payday loans. To date nothing has been paid towards my accounts & I can not reach GCS to either get my money refunded or see why they are not establishing a payment program with these 2 payday loan companies. I think theyve collected about XXXX dollars.
I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information.
On XX/XX/XXXX, I received a voicemail from a " unidentified '' debt collector but the representative left the name of XXXX XXXX  who told me that I had a payday loan that I did not pay and they were going to file charges in XXXX   County on Monday and the call was to make me aware of that because they were not able to get in contact with me but, that I can call the legal department at XXXX  to discuss the matter with a case # XXXX. They were going to locate me and contact my employer if I did not call back so it was imperative to call immediately.

On XX/XX/XXXX, I called the number back only to be asked for the last four digits of my social to verify that it is actually the person who owns the debt. I was then told that the account was locked and that they needed to get a paralegal to unlock the account because it was going to be filed on Monday so he had to place me on a brief hold. ( Already Suspicious The guy gets back on the phone to ask me if I remembered taking out a loan out with Ace Check Cashing in XX/XX/XXXX and that I failed to pay the balance of {$440.00} and the amount now that will be filed for in court is {$1400.00} if I could not pay the original amount today. I also will be charged with defrauding a business and using a financial institution to do that. I honestly do not remember the loan as I took out a few of them and my account was closed due to fraud ironically but, that if I owed this amount I would want to settle the debt, just in installments because I could not pay the entire amount today. The gentleman asked me about my pay dates and if I had a bond trace that I could secure via credit card or debit card with a visa logo on it.

I agreed and I told him that as soon as he sends me documentation of what I owe and who this is going to then I would be more than happy to set up a payment plan. He told me that they do not do this and that they could only send me a dismissal of debt letter when I have completed the payment. I told him that I can not give out my bank information without knowing where it is going and he told me that he would notate the account with my concerns and why I could not pay and told me " good luck in court ''.

This to me is a scam or something because it is not a legit business practice to ask for financial information and not supply you with who they are. This company needs to be investigated for fraud and I plan on reaching out to Ace Check Cashing because if I owe them money then I want to pay.
my mortage is serviced by select portfolio servicing aka investor   XXXX   XXXX   XXXX   XXXX   I have not received acall in 4 months fore a loss mitigation option first house was foreclosed then bank resinded the sale of house I received aphone call thatit was resinded and a letter from bank but the house was never put back to my name like sps promised 5 months later house goes up for foreclosure on  XXXX  now imhere crying fowl feel like sps committed a violation and wants toforeclose on my home withnot giving me the opportunity to keep my home pleaseinvestigate and help with my issue losing home with nohelp offerd thanks  XXXX   XXXX   is my nam e thanks
I received a letter stating I owe a total or {$650.00} ( {$620.00} + {$25.00} returned check fee ) to XXXX # XXXX authorized on XXXX/XXXX/14 TRS Recovery Services , Inc.. I do not write checks at stores and this XXXX in question is located in XXXX. I live in XXXX and I have never been to XXXX. 

In order to dispute this " debt '' I have to send them all my bank account information per their website.
Navient ( when they were XXXX XXXX ) tried to send me to collections while I was attending school full time, and when I graduated, they immediately sent me to collections without mailing me any info about repayment.
I received a call from Southwest Credit Systems about a XXXX debt in the amount of {$1800.00} that some XXXX opened in my name in XXXX, PA. and said that I owe.I told them I never lived at that address in PA. and I did not give any XXXX my permission to use my SSN to open an account.They mailed me a id theft form which took two weeks to receive.I filled the form out and sent the information requested and I mailed it back to them Priority Mail with signature required.I received a letter today from the debt collector wanting me to send more information.They have all the information that I have.
Im having a big problem with American Express platinum card. I made a purchase on paying it off I was in the hospital and theyre giving me a hard time and the cut off to my credit cards. I told him Ive been in the hospital on my deathbed and this is the way they treat their customers. Im off have a balance of reward and I cant use it towards my purchases. Theyre a bunch of con artists. The sad thing is they approve me for the American Express XXXX are activated it today and they blocked my card. They can not do that. I want whats the title to me I cant help that I was in the hospital. And the in-laws pick me up today because they put me through XXXX and I ended up having another XXXX. They are not responsible for mine condition. 
i will be giving them my hospital bill ffrom today.
Caine and Weiner have sent me a debt collection letter me regarding a non-existing debt for $ XXXX XXXX XXXX I contacted XXXX XXXX twice, on XXXX and XXXX XXXX, XXXX and they confirmed i did n't owe them any money. Caine and Weiner refuse to close the account, and insist that XXXX XXXX referred the debt to them.
I was scammed by XXXX when I ordered a sample of their product ; instead they charged my account {$87.00}. I called Chase right away and told them it was fraud, explained I ordered a sample and was only to be charged a small mailing fee. They canceled my card and sent me a new one ; however, they re-charged my account {$87.00}. When I called them again to explain this is fraud as I didn't order anything except a sample and shouldn't be charged, they would not assist me. They will not reverse this charge. When I called Chase I also called XXXX  and canceled any account they say I might have ; when I called them today, they said " you lost, good luck '' I feel scammed twice over ; once by XXXX and then by Chase. I do have a letter from Chase dated XX/XX/18 charging me again for the {$87.00}. I also still have the box the XXXX came in.
I worked as a XXXX until XX/XX/2006 I was forced to take an early retirement because I got XXXX which XXXX. I was sent to University XXXX. So, I am able to XXXX, I have been plagued with complications since XX/XX/2006. XXXX. 
This is just on going with this XXXX. I am not a XXXX either. XXXX is undifferentiated XXXX is awful. 
I was a single mother of XXXX kids in my early XXXX when this hit me. I am still on XXXX I do not even drive and have n't since XX/XX/2006. 
I was n't able to pay off this credit card HSBC Bank, Nevada, NA I sent them a letter with XXXX and explained that I could not repay the debt. 
I lost everything financially, but because I work so my XXXX kicked in to cover my insurance and living expenses. But, because I always worked I am not eligible for state or federal aid just HUD. 
Its been 10 yrs but this guys called me and has started sending me collection letters and phone calls. 
I do n't have anymore money then I had then I have to pay for my own meds, co-pays, XXXX pays most, but I have a gap policy to pay, its a spend down on my XXXX XXXX it is all I live on. 
My kids moved me here from XXXX area to XXXX so I can be close to my grandkids. 
I do n't believe that if they got a Judgement I was in a XXXX and never got served. You had to be in a XXXX for months with every XXXX this has been on going for 10 yrs. I have a XXXX now and donated my XXXX for military. My XXXX is ok. I have had XXXX in hospital for 10 days on XXXX for weeks 24/7 going into my XXXX me 6 weeks each time. I just live with these troubles. 
I am not on XXXX because I have XXXX or XXXX, I am XXXX. 
I ca n't imagine how these people sleep at night. But, there should be laws to stop them after 7 years or 10 yrs. 
Please help me I am prepared to show evidence of my condition. 
I always paid my bills before this so I understand, but they should have just written it off. 
Please help me I sold my car years ago to pay off the debts I could I do n't even own a car or drive. 
Please help me stop this, really there should be better laws they know I am on XXXX XXXX is n't there laws to help me?
Threatened to send police to get me. Refused to mail me documents stating what debts I owed. Wo n't stop calling me or my family. 
( XXXX ) XXXX
Comenity Bank charged late fees after I closed my account and paid my remaining balance by the due date.
I had a Chapter XXXX bankruptcy XXXX years ago. I received a loan modification with Chase and kept my house. They increased my mortgage to cover the payments I could n't make, so they are recouping every penny owed them. I noticed that they stopped reporting my on time payments for the last XXXX years to the Credit Bureaus. I 've made every payment since the loan modification on time and in full. They say I have to reopen my bankruptcy and reaffirm. I 've read up on this and that is not in my best interests and there is no legal basis for them requiring this of me. I wish to lodge a complaint against Chase for this. I was part of the huge lay off in XXXX XXXX and applied for over XXXX jobs and could not find anything for XXXX months. The banks caused this and now they continue to hurt us. Can something be done about this as it seems I am hardly alone in this. Thanks.