WillisBack/dataset-financial-user-claim huggingface dataset:
I been experiencing s financial hardship right now this is been going on for quite a while now but discover was aware of my situation they accepted to work things out before and than after I made a few payments and they assisted me by lowering my payments for 6 months or 3 months it brought me current at some point that I once again fall behind on the payments.

Than my grandmother health situation started getting worse and as she had more recently XXXX I was past due for several months I ask discover for help and they rejected me I told them I wanted to get a payment plan or get enrolled in a a program like the one they offered me before they stated that they could not give me the same plan. So I fought for them to give me any type of assistance and they refused to help and the past due payments were increasing and increase month to month.

Couple months after discover closed my account without my consent and it has nothing do do with the late payment I was told my an agent that they closed it because they want it to verify documents such as my ID or driver liscence and social security number in another words they accused me for fraud like if I was doing fraud they closed my account with my consent and I told them why they decided to treat me like garbage. After about a 8 year relationship.

It is not fair that after I hAd establish credit with them they decide y to close my account permanently without letting me know and without calling me or putting me aware of the situation I never received any letters or mail by them I chated with an agent online and I saw my activity on my mobile app wen than I realized that discover had closed my account for no reasons. They accused me of lying and possibly of fraud after I had a great relationship with them. Now they are threatening me by suing me with an unknown attorney they want to do a law suit against me and threatened me to pay my account in full.

If discover would have help me wen I need it their assistance upon me struggling to pay and by them charging me a late fee charge for not making the big monthly payments every month.

The past due has accumulated for several months and so did the late payment fees And interested charges. I would have been in so much debt if they would have help me while they were aware about my grandmother health situation.
VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX.
XX/XX/2018 - received a call from XXXX XXXX XXXX in an attempt to collect {$120.00} in a past due medical bill. The agent asked how I would like to take care of the debt today, and I told her that I did not have any money to pay today. She then asked when would I be able to pay the debt, and I said within a month I should be able to pay. She then made the comment of " It is going to take you a month to pay {$120.00}? '' in a very rude and demeaning tone. I then asked the agent if she had {$120.00} I could borrow to pay the debt and she returned with a question " You pay your cell phone bill right ''. I took that question to mean, if I am able to pay my cell phone to keep the collection calls coming in then I should be able to pay the {$120.00} amount that is owed. I asked to speak with her supervisor. The supervisor came on the line and very rudely stating the agent advised her of the situation. I explained to the supervisor how I felt that the agent was making fun of my financial situation and asked the supervisor what business is it of the agents if I pay my cell phone bill. The supervisor explained that financial information is asked to determine if a person can actually pay the debt that is owed. I told the supervisor that I understood but that should've been a statement made prior to asking about my cell phone bill. The supervisor became very rude and dismissive as if my complaint was not worth her time. I then asked to speak to her manager and advised that I did not want to speak to no one other than a Manager. She placed me on hold, and a man by the name of XXXX who addressed himself as the supervisor of the previous supervisor. We discussed the entire situation and I advised that had the agent told me financial information is needed to determine the eligibility of payment question would been taken differently. I began to asked what their processing in these situations were he stated that he would listen to the call and speak with the agent and return my call. I told him I would appreciate that but I would like his manager to return my call. Then he stated " Instead of trying to figure out our process, you should be trying to figure out how you will come up with the money to pay the {$120.00} that you owe. '' and he disconnected the call. 

How can debt collecting agents call people and treat them as if we personally owe THAT agent money. 

They don't understand my current life situation, to call me first thing in the morning and make fun of my financial situation and be so demeaning to someone they don't know. To make people feel as though they have nothing else to live for but to pay them. Do they realize some people can be on the verge of a XXXX XXXX or even XXXX and one call like this can push that person over the edge?
I have sent dispute letters to XXXX, Experian, and XXXX since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Hello, Please accept this as a formal complaint against TD Bank , NA. Reason being, I have made several deposits leaving my account in a positive status. I even check my bank account before I use my debit card. As of today, I have been charged XXXX in overdraft charges in XXXX and an additional XXXX in overdraft charges in XXXX. 
I believe that this is a bank error based on the following : 1 ) my check deposits are now taking 2 business days to clear when they use to take 1 business day. Also, I have not received any notification regarding changes to their clearing house. 
2 ) the first {$100.00} available per deposit is NOT being honored by the bank. I would like the XXXX refunded to my business account XXXX as soon as possible.
The company that had my debt for XXXX is EOS CCA. I paid the amount of {$1100.00} on XX/XX/2018. When I paid the amount agreed upon. I asked the representative if the account would be removed from my credit report and was told yes by the representative. It has been 150 days and they have not removed the account from XXXX XXXX or XXXX. I called EOS CCA on Friday XX/XX/2018 and again on Wednesday XX/XX/2018 to resolve this. I was told that they would not remove it, and I informed them that they werent in compliance with the fair consumer reporting act. I then notified them that I would be reporting them to the consumer commission.
This has been going on since   XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on  XX/XX/XXXX  w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at  XXXX  now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.
Approximately XX/XX/XXXX - XX/XX/XXXX, I had left XXXX as a customer. I had contacted them and on a recorded line, their people agreed to a payment plan where I would pay $ XXXX- {$80.00} a month on the amount of my cancellation fee and the remainder owed. I proceeded to make the first payment that was agreed upon of {$50.00}. <P/>The following month, I went to make another payment of the agreed upon amount, I checked my mail and found they had sent me to collections via Diversified Consultants, for the amount of {$230.00}. Upon contacting XXXX to ask about what had occurred to nullify the agreement that was made ( and after being hung up on multiple times ), they had said that I would not have been sent to collections if I had paying what was owed ( even though I was told we had an agreement to a payment plan. ) Upon calling Diversified Consultants to try to remedy the debt, I offered 65 % the sum of that was owed. They refused to accept it. Upon asking if they were refusing to accept any payment on a recorded line, they said yes. <P/>XXXX then continued to send notices of the debt via other collection agencies and contacting my family to where I had to tell them to cease and desist contact to my family. I disputed the validity of all the notices of the debt when I received them, As well I was still receiving email statements from XXXX asking me to pay that amount to them. <P/>In XX/XX/XXXX, I had received another collections notice. Upon dispute of the collections notice, I received correspondence from XXXX about disputing the debt that was owed. Upon filling out and sending the information they requested via mail, I received no further notices about the debt. <P/>Approximately XX/XX/XXXX, I went to review my credit information, and found that Diversified Consultants had reported on the XXXX XXXX XXXX XXXX, the sum of {$230.00} as being delinquent. <P/>Written proof available upon request. Due to account numbers on statements.
Myself and my business were devastated after the federal flood disaster in XXXX. My business was forced to nearly close it 's doors, and my personal finances were completely liquidated. We were unable to catch back up and missed payments up to the time I returned my vehicle at the end of XXXX. I attempted several times to ask for deferred payments during the disaster and they denied all request. I asked to settle the matter and the denied the request. This company is Chrysler Captial www.chryslercapital.com
XXXX XXXX and XXXXXXXX XXXX  sold XXXXXXXX XXXX fraud, corrupted and scandal VA Loan to Round Point to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which XXXX XXXX was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First Round Point investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like Round Point. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX homes builders, XXXX XXXXXXXX XXXX and now new Va lender Round Point Mortgage are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
Beginning XX/XX/XXXX I began to request that XXXX XXXX   provide me the original contract of the student loan agreement, because the amount that is recorded as the balance due on this account is inaccurate and not mine. Therefore, I requested to verify the debt because according to my records, my total amount owed is {$3500.00} that was transferred from other lenders to consolidate around XXXX of XXXX. I have attached a copy of my credit report posting this accurate balance. 

I also requested the original contracted that I physically signed, however XXXX sent an electronic signature with a name that is spelled similar to my name, but is not my name ( SSN Card Attached ) and did not provide competent evidence bearing my signature ( see social security card attached ). This information is unverifiable and inaccurate. The balance incorrect, and is stating an amount that is higher than I owe. I also, contested late payments that were posting on the account due to the fact that it was placed in forbearance until this investigation was to be resolved. The itemized printout that they sent me was wrong, and as a result of other inaccurate dealings with my credit, I had to file identity theft.
After receiving XXXX pay day loans with incredibly high interest rates in the XXXX 's, it has been brought to my attention that these loans are prohibited in my state of NJ, where there is an annual cap on interest of 30 %. after paying off my first loan I was promised a lower interest rate for being a returning customer but it has actually raised by about 53 %. I have reached out to Silver Cloud with a cease and desist letter revoking their right to charge my bank account or contact my employer, as well as closing my bank account outright for extra protection. I have reached out to the company multiple times via phone and email with no reply regarding the topic of closing my account. My loan information is as follows : Silver Cloud : Amount Borrowed = {$1100.00} Interest = 871.844 % ( *as a returning customer I was promised lowered interest rates ) Paid ( as of XX/XX/2017 ) = {$750.00} Amount of principle paid = {$110.00} Principle Remaining = {$990.00} Amount Borrowed = {$800.00} Interest = 818.124 % Paid ( in full on XX/XX/2017 ) = {$2100.00} Amount paid on interest = {$1300.00} Shortly after my C & D letter, I started receiving emails from " collection agencies ' threatening to take me to court for loans with companies I 've never had as well as phone calls and texts for " get out of payday loan debt '' companies. 

Please assist as I 'm currently paying $ 1200+ a month in fees for these outrages loans!
I just received a notice from Zwicker & Associates, P.C, a debt collector of XXXX XXXX. This communication is to dispute owed of {$5700.00} from XXXX XXXX. My card was used without my permission by my ex husband and charges were incurred by him and other persons. I have always paid my debt timely and XXXX XXXX refused to take disputed charges off. As a result, my credit has been impacted and the debt was charged off and they refused to even file a claim. XXXX behavior violates consumer protection laws and the law firm is engaging in predatory debt collection practices. This is ridiculous, I want this deft off my credit ASAP. SO THIS IS MY FORMAL DISPUTE WITHIN 30 days.
Hire Right Inc. XXXX/XXXX/XXXX case number XXXXHire Right will not correct dates of employment for XXXX XXXX XXXX. Dates of employment was XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I never worked one day in XXXX XXXX and they will not correct it on my employment history. This error will effect my chances for employment. Instead of making information right or wrong they decide to take the side of the paying customer. I would like to see any proof that I worked one day for XXXX XXXX XXXX in XXXX XXXX, just because the pay period ended on XXXX not mean I worked in XXXX XXXX.
Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other  Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX  XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX  numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.
Obtained a Home Loan and gave a Mortgage to XXXX XXXX XXXX as nominee for Quicken Loans, XXXX on XXXX XXXX, XXXX. The servicing of this loan was turned over to XXXX. On XXXX XXXX, XXXX I refinanced my loan with XXXX XXXX Bank and it wired the payment to XXXX on the same day. However, no Mortgage discharge was prepared or filed. Quicken Loans said they ca n't provide a Discharge. XXXX ca n't provide a Discharge and XXXX is not in business. XXXX is servicing XXXX loans that are still active, but are unable to provide discharges for loans that were paid off in XXXX. 
My wife and I sold the home on land contract and the purchasers are ready to pay off the contract and close on the purchase, but title work requires a Discharge be filed on the Quicken Mortgage. 
Since the Quicken Mortgage was never assigned, it should provide the Discharge.
This account below is not mines. i have disputed this more than 4 times over the past XXXX years. I have also file complaints with the State of Florida AG. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX {$4000.00} Original creditor : XXXX XXXX XXXX XXXX These inquiries I didnt not authoirze. I can provide proof. I only asked dealer to go through one bank and they sent application to 8 banks. 

Inquiry details XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in XXXX, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.
Re case #  XXXX  &  XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  and as of today    XXXX   I  received a call from a collector representing the  XXXX   XXXX , the agency is  Brett Borland Law Office.      First the  XXXX   XXXX  attempted to collect over {$4000.00} from me by falsely stating that I failed to give them proper notice to vacate the apartment. They went so far as to write it in my file and put the fee on my credit report and hired  XXXX   XXXX   XXXX  to collect.     I wrote several letters asking the   XXXX   credit bureaus for validation of debt and verification of debt. After several attempts and finally receiving my file from the  XXXX  I reviewed it thoroughly. The discrepancies I discovered made me wonder if  XXXX  had really reviewed/verified/validated, or did they just want money?, I wrote and told  XXXX  that if  XXXX  claims they evicted me, why in my notes from the  XXXX  file is it stating that I owe {$500.00} plus fee for insufficient notice to vacate the premises. The answer is because I vacated the premises and was never evicted.  XXXX  merely deducted the {$500.00} plus dollars and readjusted the amount owed to the credit bureau 's, by fair credit reporting law they were supposed to delete it - or so I thought?     Then the  XXXX  claimed they got a court order from a judge and had a sheriff put me out. I asked  XXXX  months ago to produce the documents because they are making additional false statements and representations. I called  XXXX   XXXX  Courts and no such record exists is what I was told. Also, The  XXXX  released me from my lease due a tenant breaking in my place. I have a document signed by a  XXXX   XXXX   XXXX  and the police report - both of which I submitted to  XXXX  several times, each time they claimed it was not legible after they scanned it in their system. I asked  XXXX  if it were possible to look at the release and police report before they scan it in, then it would be undeniably visible ; they said they would not.     Now ,    XXXX    I go t a call from the law offices of  Brett Borland . The collector said they are collecting for their client the  XXXX  Apartments. Is yet another agency trying to collect on an account for which their is no legal proof of their allegations of a court ordered eviction? And why are   XXXX   agencies collecting for the same account. Just last week  XXXX  was the collector of record?
I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.