WillisBack/dataset-financial-user-claim huggingface dataset:
I received a {$200.00} loan from XXXX XXXX XXXX on XX/XX/XXXX. I made {$60.00} payments bi-weekly that applied towards the interest, until I could no longer afford to. On XX/XX/XXXX, I entered a debt settlement program with XXXX XXXX XXXX, to help pay off all of my outstanding debts. The balance on the account at the time was {$350.00} by XX/XX/XXXX ( it included the principle, {$90.00} past due, and {$60.00} finance charge ). The account was sold to a debt collection company : National Credit Adjusters. XXXX XXXX XXXX negotiated a settlement amount of {$150.00} with NCA. The settled balance was paid in full and I received a debt settlement letter on XX/XX/XXXX. 
Today, XX/XX/XXXX, I received two calls and voicemails from a XXXX XXXX. The message stated : This is XXXX XXXX contacting ( my name ). You are being notified of a claim in our office that is being filed against you, we will be verifying your current address as well as place of employment for delivery of documentation. At this time it is your legal right to contact our office directly at XXXX again XXXX or press one to be connected immediately this will serve as an official notification by phone. 

I returned the call and spoke with a XXXX XXXX, who stated that he is with a mediation company called XXXX and XXXX has sent my account to them for an outstanding balance of {$450.00}. I informed him that they are attempting to collect on a debt that is past the staute of limitations, amd more important the account had been paid off. I offered to mail them a letter showing that the account had been settled and paid. He then said that the statute of limitations does not apply to them, because of my attempt to defraud and scheme XXXX. I informed him, that there was no fraud or scheme, because I paid the debt off in XXXX and would mail them a letter proving this. He then began asking me for my account number for XXXX, so I asked for the mailing address to send the PIF letter. He said the mailing address is XXXX. XXXX XXXX, XXXX, AZ XXXX. After that, he asked for the account number again. I asked him to give me moment to look for it. He told me I was stalling ( I was actually looking through my email for the account number ) and since I could not provide the account number, I would now be charged {$2500.00} which included the past due fee of {$450.00}, late fees, and legal fees. I disconnected the call once I felt suspicious.
We were scammed into purchase of Time share sold by XXXX XXXX of New York XXXX. We paid about $ XXXX in down payment, mortgage and maintenance fees. The NY attorney General Office came to know about the illegal practices employed by XXXX XXXX for selling Timeshare to hundreds of thousands of people and then the Attorney General Office started investigation against XXXX XXXX and have Barred them form selling and purchasing back the Timeshare units that were sold under fraudulent contracts. Attached please find documents that support our complaint against XXXX XXXX. After learning about the investigation by the New York Attorney General office we contacted XXXX XXXX and they stopped send bills to us and then after a year all of a sudden we are getting bills for past dues and late fees charges. XXXX have now listed us with XXXX XXXX XXXX XXXX Bank as delinquent past or present credit obligations as such we were denied the loan for lease of a car. Furthermore the reporting agency that provided report to XXXX XXXX is EXPERIAN, Experian XXXX, XXXX XXXX 2002, XXXX, TX XXXX, XXXX. We approached Federal Reserve, Consumer Help Center for our Credit Protection and they referred us to your Agency for filing the complaint against XXXX XXXX XXXX XXXX for misleading financial institution about our credit standings. 
We are asking to remove our names from the list of consumers that are delinquent in payments to any financial institution so that we can protect our credit standings. We have never missed any payment to any institution that we have dealt with in our entire life.
A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Bank of America to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, " that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair.
I made all monthly installments along with any late charges that accrued. At maturity of the loan the lender says that there is still a large balance outstanding. I have been unable to get any explaination or resolution from this company by phone.
I was drugged and my credit cards were stolen. I am currently fighting via litigation the vendor and bank involved in the situation. Due to my attorney advising me to stop paying the fraudulent charges to keep my cards current, my credit score has suffered. My Discover credit card was cancelled with the previous credit limit {$18000.00} with no balance present. I escalated and so far no one will do anything given my situation with evidence. I do not think this is fair given the situation and should be reviewed in a manner taking into account all other facts ( no other card issues ever, never had a late payment, customer of XXXX ).
Phoenix Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have been trying to modify my mortgage for  six mont  hs with Shellpoint Mortgage Servicing, everytime they tell me I ha ve all the documents submitted and it will go to underwriting it never happens, I would call back and they would say they need new or updated documents. It would take me to call them to get that answer. On  X/XX/2017   I  called and spoke to  XXXX   XXXX  and she told me the documents I needed and I faxed them over. On  X/XX/2017   I d id call again to see the status on the loan and they said they were procesing it. They did send out  one lette r back on    XXXX   XXXX  , 2017  stating the package was incomplete. On  X/XX/2017    I did fax over the information that they had requested with a cover page stating to please call me immediately if any further documentation was needed. No call back, when I called in early  XX/XX/XXXX  they said I needed additional documentation, so on   X/X/2017  I   f axed over the items requested. No call back.  Early   XX/XX/XXXX  I called to see the status and they said they needed additional documentation. On  X/XX/2017   I fax ed over items requested. No call back.    X/XX/2017   I s poke to   XXXX   XXXX    and he told me i needed to send additional documents I did so on    X/XX/2017  . N o call back. In early  XX/XX/XXXX  I finally was able to speak to the person in charge of my loan  XXXX   XXXX  and he told me the information his representatives was telling me was not true, and began to tell me the documents he needed for it to go to underwriting. ( I have left numerous messages for  XXXX   XXXX  and he never returned the call. ) O n   X/X/2017   I s ent over all the information that  XXXX   XXXX  requested with a cover letter stating to please call me if he needed any additional information, and left my cell number. No call back. On    X/X/2017   I spo ke to a representative named and  XXXX  and she said I needed to send additional documentation which I did with a cover letter to  XXXX  and no call back. Every time I sent over the documentation that was requested I felt the package was complete and going to underwriting and when I would call to see the status, it always resulted in wanting additional documents.I have called and sent documents over other times in the past 5 months but did not document them. I have called and asked for  XXXX   XXXX  supervisor and left messages but no return calls and never any letters from  Shellpoint e xcept for the  one i n  XXXX  , 2017
I had been approved for the Xchange Leasing company 's Access program through Uber for a reassigned vehicle lease. The terms were to place a {$250.00} Security deposit, and have active insurance and the car is yours for a weekly lease fee based upon the year make and model to be extracted automatically from your Uber earnings. As someone with damaged credit, and having a small income, the program was a great idea for me to quickly begin to generate a substantial amount of income given the immense demand for uber drivers in XXXX county. I also had previously been commuting via public transport to and from an existing job. So I leased the car to both save money on transport and make more money with the car itself as an XXXX. I paid all the deposits on insurance on last Monday, picked the car up on Wednesday of the same week, and now today is the following Monday. My car is gone. I woke up, walked outside to leave for work at XXXX, and my car is nowhere to be found. I stood there with my keys, started to call the cops and report it stolen when my neighbor tells me it was towed. So I called around to all the tow yards in the city and no one has it. I called the cops back and reported it stolen only to be met with that it could not be reported stolen as it was marked as repossessed. I was then given the number to the repossession agency, who informed me I 'd have to call back at XXXX to find out who ordered the repossession. So as time ticks by I got on call with Xchange Leasing to see if there were any answers to be found and After a 40 minute hold I was told my first payment is n't even due for another two weeks, and that everything was fine but to call back in a few hours and see if someone made a mistake. So XXXX rolls around and I call back the repossession company, to find out that Xchange Leasing had ordered the repossession! So I got right back on the phone and waited another 40 minutes to be told I was wrongfully repossessed, and that I would get a call back so they could try and arrange for me to get my car back which is currently 2 hours away from where I live, with no vehicle. I still have not received a call back, it 's now almost XXXX. I 've missed my day of work, and the time I could have been XXXX for Uber this evening. I could n't even take transport because of the security deposits and not having disposable income. To top it off I suffer from an XXXX and my XXXX is still racing just from those two hours of not knowing what just happened to my new car, source of income, and thinking it was stolen!
On XX/XX/XXXXi submitted some disputes through Equifax. it has now been 32 days. i have not gotten a response or letter within the time frame that the FCRA gives the credit bureau to respond back to the consumer. I am requesting that all negative items of inaccurate information be removed from all three credit reports! following Equifax first please i have been calling and emailing. sent disputes this has been on going for a while since XX/XX/2016. If not i will be reporting to the Federal Trade Commission to  see if any legal action can be taken
I have requested verification of a loan reflected on my credit report by ACS. The dispute results come back verified, but the letter sent from ACS states " We have received the material requesting to validate your debt. Unfortunately, Conduent Education Services does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact ACS/XXXX.
XXXXCARE CREDIT never verified the status of the account post Hurricane Matthew. In XXXX 2016, a  payment was made after a negative call. Following this the account was to be on a hold. The account was marked as 120+ days passed due and is now reflecting as a charge-off. The company was negligent in following up with the letter and updates regarding the account.
IN REFERENCE TO THE COMPLAINT XXXX The Citi had responded with a letter that is not clear and didn't mention the result of the claim Credit Protection Membership for XXXX Account Claim Number : XXXX ; Instead the letter indicates that I was qualified for a hardship program with no details, balance or breakdown information in regards. 

They have requested a lot of paperwork and I have spent a lot of money collecting the requested paperwork and certified email and they didn't respond yet. Attached the letter they sent and previous letters I have sent to them by mail and fax. Before that it was a lot of correspondence to another divisions they instructed me to sent the paperwork as well. 

The purpose of the insurance was to protect the balance of the credit card, then I was evicted and I had many financial and health struggles to this day and this company after charging {$100.00} per month in the insurance, is now avoiding the application of benefits, and did not provide a direct answer. This program and services are very deceptive. 
XXXX Previous COMPLAINT XXXX background details : I notified Macys Customer Services since XX/XX/2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having XXXX XXXX and XXXX   XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security XXXX ), leaving here and there without home and looking to move forward with my financial situation.
I have applied for modification for my home several time in last 1 year. My leader had largely ignored my request. This time ( after sitting on my application for 2 months ) they finally responded to my request by asking me for some more paperwork. Which i provided to them on time and they acknowledged that they received it. Then, to my surprise they posted a notice of sale on my door. I called and remained them that they are in violation of the California Homeowners bill of right which clearly states that lenders are not allowed to double track foreclosure and a review for a modification. They said they will look into it. Next day I called to check on the status and they told me that I need XXXX more form. They emailed me the hardship affidavit form to fill out. I immediately completed the form and returned it to them. ( must remind you that this form was a very old 2009 hardship affidavit from which is not required any longer since the new RMA includes it. But, nevertheless, in sprit of cooperating and not wasting time to fight with them, I did as I asked to do ). Next day again, I called to check the status and they told me that they have closed the file and are moving to foreclose on my home. I again reminded them that I have done as they have asked and why did they close the file without review. They told me that they do n't want to work with me or help me and are going to foreclose. 
How could they do that? I thought we lived in a country with laws. I feel that they are discriminating against me because I am XXXX and do not understating many financial matters and do not have financial ability to fight back. I fear that by filing this complaint thru you, they will further retaliate by pushing forward and foreclosing on my home making my children and I homeless. Please help me.
We have XXXX different loans with Tower Loan - XXXX with the office in XXXX, MO, the other with the XXXX, MO office. We are in financial trouble and I sent both a letter last month that we have hired an attorney to explore our options. It states to contact the attorney and not us. XXXX was the first month that we did not make a payment. The XXXX office sent us a right to cure letter, the XXXX office is calling us multiple times per day and threatening to take the collateral from us. The manager XXXX yelled at my husband.
In 2007 i filed for bankruptcy and went before the judge and discussed this particular loan ( NATIONAL COLLEGIATE STUDENT Loan ) and the judge granted the bankruptcy on this loan. I have sent this company several copies of this and yet they keep attacking me thru collections as well as taking funds from bank accounts and my tax refunds. They have also ruined my credit by refusing to take it off.
In my previous complaints ( XXXX ) to CFPB the issue is still not resolved. Please see all this information provided in the other complaints. This response from XXXX is outrageous and does not explain anything. XXXX only explains that they changed the account number for their own purposes and that they have provided information on my variable rate. However, what they actually provided is information showing they closed and reopened my loan without my authorization, gave me information on my fixed rate simple interest loan, and gave no explanation as to why they changed my loan from simple interest to compounding. 

I do not have a variable rate and compounding interest loan!!! I have a fixed, simple interest loan and XXXX fraudulently changed my loan conditions in order to increase my payment and amount of interest I pay. 

Their response is not a response to the complaint I have made!!! I need the CFPB to investigated the information they provided in the response because it explains nothing!!!
I had a federal tax lien of {$42000.00} filed on XXXX at the XXXX XXXX County County Recorder.The case # is XXXX.the lien was then paid in full and released on XXXX. I sent the IRS my request to have the lien withdrawn and received a form XXXX withdrawal. I contacted all XXXX credit bureaus to remove the lien from my public record. XXXX and XXXX did it promptly. Equifax did not. I disputed it with Equifax and sent in all the documents they required. They sent me back a final notice that the lien is still in my public record, However they are using the public record from XXXX, NOT the final XXXX from XXXX showing it is '' XXXX Withdrawl '' from the IRS . The final document number on file is XXXX dated XXXX/XXXX/XXXX
Equifax keeps, stores, and tracks my personal information without my consent and then used insecure computer information technology systems to store this information. This led to the unauthorized disclosure of my personally identifying information to hackers. 

It is unacceptable that I should have to pay to place credit freezes on my reports at all three credit monitoring companies. 

Equifax needs to be held accountable, provide free LIFETIME protection, and pay a significant fine to every affected individual.
Previous complaint sent regarding issues with equifax and having my credit card closed due to equifax contacting credit company to have my account closed due to an error on equifax end with my social security last 4 digits being incorrect. I submitted all forms requested by equifax and received a credit report in the mail ( finally as i was never able to receive a credit report prior ). However i am still unable to access my report online even with using the confirmation number from their own report mailed to me. I am unsure if the company has my correct full social security at this point and questions asked to identify myself is not correct and do not belong to me. 

I contacted equifax by phone a few days ago and no help was offered. I want to open a credit card but fear it will be closed again due to equifax and destroying my credit once again.
FROM : XXXX XXXX XXXX XXXX/XXXX/XXXX TO WHOM IT MAY CONCERN : I DISPUTE THE COLLECTION ACCOUNT BY PUGET SOUND COLLECTIONS ON BEHALF OF XXXX THE CORRECT AMOUNT IS {$1400.00} NOT {$2100.00}. 

During the past 12 calendar months, XXXX billed my health insurance, XXXX XXXX XXXX, for XXXX different service dates. The total amount XXXX XXXX has been paid to date in XXXX is {$6600.00}. A total of {$7100.00} was billed. I am not responsible for the charges that total {$1400.00} from XXXX XXXX, XXXX. Attempts to collect any amount from me should be ceased and this account immediately canceled. 

I have paid the maximum out of pocket amount for my XXXX XXXX XXXX XXXX XXXX XXXX insurance plan. XXXX claims, including this one from XXXX, are still being processed by XXXX XXXX XXXX. I have never received any bills or notices from XXXX. I became aware of this account from my XXXX credit report. 

My health insurance carrier, XXXX XXXX XXXX, is still processing this claim for services on XXXX XXXX, XXXX. XXXX XXXX XXXX thought that my auto insurance carrier, XXXX, was financially responsible for this claim. This is simply not true. I had a policy limit of {$10000.00} for XXXX XXXX Protection. That amount was exhausted quickly by other claims. XXXX XXXX XXXX is responsible per the terms of my health insurance policy. Ultimately, they will have to pay this claim. 


Sincerely, XXXX XXXX XXXX, XXXX.