WillisBack/dataset-financial-user-claim huggingface dataset:
I am being garnished by a collection agency identified as Account Control Technology. XXXX, CA. XXXX. The above listed company failed to notify me regarding the intent to garnish my wages. As a result this garnishment has caused financial hardship leading to an intent to evict from my apartment and loss of medical benefits. I have a medical condition that could cost me loss of vision and have been greatly stressed over this financial hardship. The company has failed and refused to send me legal documentation regarding the nature of the loan. The company initially identified itself as part of an Obama program and in association with Federal loan servicing, after doing much research this company is not a part of either program. They did not identify themselves as a collection agency. I am facing the loss of my home and XXXX because the garnishment is causing a financial hardship. They keep trying to get me to agree to a verbal contract. I have requested written documentation and as of this date have not received any legal documentation from this company. I do not understand how anyone could expect me to agree to a phone contract when they have been deceptive in their approach and are refusing to send legal documentation. I realize that their only concern is to make a profit for themselves but this should not cause me to become homeless or loose my XXXX. My housing and XXXX are very important. I have been on the XXXX because I can not understand how a company could garnish wages to cause homelessness and XXXX. There are many options regarding students loans that could have been utilized had I been given the chance. Your consideration in this matter is greatly appreciated.
i fell behind and asked for a hard ship plan due to lost of income i am working the hard ship plan im on is XXXX dollars a month wit 4.9 apr for 60 months but this is NOT being honored by the bank i went to XXXX XXXX XXXX   and seen the manger we called the credit card part of the band thy stated im XXXX dollars behind im not thy also told the manger thy expect me to pay double and triple payments this in not in my agreement with them thy also rported me now 4 months late i am not also thy said you might have made a payment in XXXX but this is not this months payment when it was ive hade nothing but problems with is bank and something needs to be done also was told to bring on a law suet by this company by one of there supervisor and said to BRING IT ON SHE STATED thy also sent me a letter saying im seriously past due i have all paper work and i ask for the CEO to contact me but thy will not have any one contact me with my concerns i even offerd then a XXXX to settle the account got told to call some number and the computer will state what i need to pay and that was a supervisior this is a lot going on here that needs to be looked in to thy are in the rong and im asking for your help
My laws have accrued a large amount of interest. I asked about consolidating my loans and the loan servicer said consolidation would make me ineligible for PSLF. I have since found out that this is not necessarily true. I dont believe that XXXX XXXX XXXX is providing honest information about how to handle my loan.
This particular phone number called five times yesterday and four times already today ( XXXX/XXXX/15 ), but will not leave a voice mail. When i searched the phone number, it shows repeated complaints about this being a debt collection agency called GE Money Bank that makes repeated calls to individuals on the same day or even just one day after a payment is due on a debt. I am not late on any debt payments and do not have an account affiliated with this group that I am aware of. And, it appears I will have to block them to get them to stop calling my cell phone.
I had a student loan that went into collection with Immediate Credit Recovery twenty or more years ago. The original loan amount was {$10000.00} and the interest rate 10 %. I set up automatic payments of {$250.00} a month that were deducted twice a month for at least ten of these years. I believe it was XX/XX/XXXX when they disclosed to me they could no longer make automatic deductions, so they began calling me to authorize payment. The original servicer was extremely rude and nasty and I had to speak to a supervisor in order to get someone humane. I also reduced my payments to once monthly, or {$120.00}. In XX/XX/XXXX I asked to settle the account for {$5000.00}. I was told that amount would never be authorized and I needed to make a payment of at least {$6200.00} to reflect 50 % of the remaining balance ( {$12000.00} on a {$10000.00} loan ). 

I called the school directly ( XXXX University ) and after several back and forth conversations between ICR, XXXX and myself the school authorized {$5000.00}. By this time however I had discovered that my payments to ICR had reached nearly {$30000.00} -- three times the amount borrowed. ICR could not explain to me why on-going payments were needed or even a lump sum to pay off the loan. In addition the school agreed that a 10 % interest rate on a student loan was now considered exorbitant ; however the school only communicated with me through ICR, which told me the offer to settle would expire within three business days. 

I called the CFPB three times for advice on whether or not to settle the account but was told there was no representative who could listen to my situation and guide me, and that I could only file a complaint. I did not want the collection agency to make my life any harder so I made the payment. 

After the payment was made, the servicer called to ask me to put in writing that i authorized each and every payment made on the account, which is in fact untrue. This is evidenced by the fact that i immediately cut my monthly payments in half when i was contacted by a live representative in XX/XX/XXXX. 

At this point I decided to make a complaint.
I 've been trying for at least a month, to update my online password after it " expired '', but nothing I enter that would fit their criteria works. I 've made up passwords I 've never used before, made sure a person 's name on the account was n't used, the capital letter, small letter, special character, numeric, and at least XXXX characters long. Nothing works. I 've been trying to pay my loan and now there is a recording saying they are having technical difficulties and higher than expected call volume and to " call back later '' then click. I am not sure why XXXX sold my loan to them, but they have been nothing but a problem to make a simple payment online. There is no other phone number for technical difficulty. This all looks like a scam to charge a late charge or XXXX XXXX charge to me. I do not know why they think they need to decide for me, that I need to change my password, as long as it fit their criteria once.
To whom it may concern : I am writing this complaint due to Midland Credit Management is trying to collect a debt that is past the FL Statue of limitations to collect ( 4 years ) as well as the 7 years that it should be showing on my credit report. 

The account number to the original account is XXXX- XXXX XXXX XXXX . The MCM account number is XXXX. 

The last payment was made XX/XX/2009. I have taken care of this matter and closed my account from XXXX XXXX XXXX. However I am now receiving these statements from MCM stating that they are seeking payment for over {$9000.00}. 

With the Florida Collection Limitations and FCRA, MCM is no longer legally allowed to contact me about this matter, let alone collect a debt that has been paid.
XX/XX/XXXX / XX/XX/XXXX, I had XXXX Bank of America ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. Thank You.
I received a bill for {$2100.00} from XXXX XXXX XXXX, XXXX a bill at XXXX : J.C.Penny Consumer. 
Original Creditor : XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
XXXX XXXX XXXX XXXX XXXX were threatening when I called their toll free number XXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.
I have a public records listed in my credit reports that are inaccurate and incomplete such as a bankruptcy that Equifax is reporting. The Federal laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me only yo return stating it has been verified without any proof. I have a letter from Federal Bankruptcy Courts and XXXX stating that they Do Not report to the credit reporting agencies but yet they come back saying they have verified it with them.
Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
XX/XX/XXXX I notified XXXX that Diversified Consultants in the amount of {$850.00} and XXXX XXXX  in the amount of {$7600.00}, XXXX  in the amount of {$57.00}, XXXX XXXX  in the amount of {$76.00} and XXXX XXXX in the amount of {$180.00} was being reported on to the credit file that they maintain under my social. I have also previously informed XXXX that I was a victim of identity theft. XXXX fail to investigate this manner as Fair Credit Reporting Act Section 605B describes that they do. These accounts do not belong to me and have not given proper documentation to me validating these accounts nor did they inform me that they were being place anatomy credit file. There are NO CONTRACTS AND nothing bearing my signatures that they can provide so how in the heck is XXXX   validating these accounts. These accounts were open as a result of identity theft and needs to be deleted.
New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XXXX XXXX, XXXX. Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the XXXX website part of the data breach that took place betweenXX/XX/XXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.
It 's been more than 90 days since I have completed the requirement for the {$300.00} checking account sign up bonus yet it has not posted yet. The original offer was Open a qualifying KeyBank checking account with the promotional code XXXX and receive a direct deposit of at least {$500.00} or more within 60 days of account opening and receive a sign up bonus of {$300.00}.
i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, Equifax, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( Equifax ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX
BOA, Bank of America, deducted money from my checking account in XXXX XXXX and in XXXX XXXX for a credit card that was not in my name, without my ss number, without any application from me, without my signature, and with no charges authorized or made by me. BOA simply had access to my BOA checking account and deducted {$300.00} in XXXX, then {$2300.00} on XXXX XXXX. 
My husband and I bought a XXXX in XXXX, called XXXX XXXX XXXX. The business ended and the corporate name was XXXX XXXX. XX/XX/XXXX, I began to receive calls about a credit card for XXXX XXXX XXXX ; it was the first time I knew about that card. I gave the company my address so that person could forward any information showing where and when I authorized the card. At that time, BOA did not have anything except my name and telephone number. I never received any information I requested. However, on XXXX XXXX, I noticed a debit from my checking account of {$300.00}, with the explanation- '' bankcard debit business/commercial card-right to set off. Those dollars were part of my SSI. And, when I asked the next person I spoke to, he told me the bank would not make that debit. 
Upon the advice of an attorney, I stopped using that account, except for a few online bill pays. ( Again I wish to note that several requests then and later in the year, for any documentation of my card application, my signature on the application, were never fulfilled. I have never even had an actual credit card or made any charges on the card. ) Then in XXXX of this year, my husband transferred some of his SSI ( he 's XXXX ) via check into my personal BOA checking acct and I too transferred $ $ $ from my SSI into the BOA checking account for XXXX expenses. Within one week, on XXXX XXXX, when I checked my checking account, BOA, had deducted {$2300.00} from my account. The explanation was " debit for charges on account ''. So, I am initiating a complaint ... .never any documentation for this Credit Card, which is not in my name.
I called customer after applying for 2 XXXX cards and the representative stated that it is not approved as I have bad relationship with XXXX as my cards got closed in the past. However, none of my cards EVER gotten cancelled and in fact I have 4 credit cards with XXXX 

They sent me in a circle and I talked to 5 representative up to the Manager 's manager.  And even then they would not help as they assumed the worst in me. My payments and everything are in perfect standing.
I have been in contact with Equifax for the last few months attempting to get this inaccurate first commerce Account off my credit. 

XXXX and XXXX  has removed this inaccurate account. I have sent Equifax a letter from the first commerce stating the account was incorrect and it was an error. I have asked Equifax for supporting documents such as permissible purpose and original contract with my signature on it. They have not provided me with anything. I sent Equifax an affidavit along with information from first commerce with the company heading and logo stating this account was inaccurate
To the Consumer Financial Protection Bureau, I own a home located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona XXXX and pay my XXXX fees to XXXX XXXX XXXX currently. 

In XXXX 2016 I made the assessment payment in the amount of {$250.00} In XXXX 2016 I received a letter from XXXX XXXX XXXX, regarding weeds in my front yard, and immediately corrected the problem. 

My next quarterly assessment to XXXX XXXX was due in XXXX 2016 of {$250.00} I unintentionally missed this payment, and proceeded online to attempt to make XXXX quarterly assessment payments at once. I was blocked from XXXX XXXX online bill pay. I called regarding my account and was sent to voicemail. Several days later I received a Notice of Lien filed against my home in XXXX XXXX, Arizona. After a couple of attempts, on XXXX/XXXX/16 I had the opportunity to speak with a specialist from XXXX XXXX, who was unable to give me any information regarding my account, and only advised me that this was sent to an attorney for collections, and that I needed to contact the attorney for any information. The attorney was XXXX, XXXX, XXXX XXXX XXXX in XXXX, Arizona. Their email address is XXXXXXXXXXXX. I spoke with a XXXX XXXX XXXX, who provided me with a list of fees that they claimed I owed, totally {$1500.00}!!! She could not tell me when any of the demand letters they charged me for were sent out, she could not advise me if any collection phone calls were made, and could not explain to me how XXXX missed {$250.00} quarterly assessment, turned into a lien on my home, and an outstanding balance {$1500.00}, that continue to create additional fees that I have to pay. I sent an email to XXXX ( that 's how I was advised to obtain information ) at XXXXXXXXXXXX. I received no response, nor have I ever been contacted via phone or letter for a payment, other than the XXXX I stated above. I also saw on the list of fees that I supposedly owe that I was being charged {$100.00} for weed fines. These have been kept up since the initial letter, and I do n't understand why I am being singled out for this. 

If anyone could kindly assist me, I feel taken advantage of as a consumer and home owner. I do n't understand why no one will help me or explain to me how to resolve this. I do n't understand how a missed assessment payment of {$250.00} has quickly compounded attorney 's fees, document fees and a lien on my home. I understand as a consumer, that if you have a late payment, a reasonable fee to be assessed would be expected. As a single, female home owner, who takes every precaution to pay my bills and protect my credit, I feel targeted by XXXX XXXX and am desperately seeking the assistance of the CFPB. 

XXXX XXXX
Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do.
My husband and I applied for a Loan Modification at XXXX XXXX XXXX because of health/medical bills, etc. We were never late or failed to make payments. After speaking with multiple supervisors they instructed us, against our wishes, to stop making payments 2 times in order for our Loan Modification to be approved. My attorney instincts kicked in and I said I did n't trust it because I did n't want to be reported negatively on my credit report. They repeatedly told me it would not affect my credit report and they would not negatively report us. I said I wanted that in writing, which I got the supervisor to write me via email stating that. I thought that should be good enough. Then I recently checked my credit report and of course one of the only negative ( and now my only negative reporting as my other one from a credit card have been fixed ). This makes me furious that they specifically told me not to pay which did not sound right but I listened to them because it had been over a year trying to get our Loan Modification approved. I then did a dispute with XXXX and they said they wo n't change it which is crazy since I gave them all the documentation including the email from XXXX XXXX XXXX. I will pursue this to the end as it is wrong and I consider it to be fraud.
As of XX/XX/2018, I have numerous credit checks placed as " hard credit inquiries '' on my transunion credit file. I have not permitted a large number of these checks on my account. There are approximately 4 of 16 that I authorized. I believe I am victim of the transunion data breach or deletion and re-entering of inquiries. I have sent certified mail to Transunion as well as the companies that placed the inquiries.
My XXXX student loan was in forbearance which has ended with my next payment due on XX/XX/2017 at {$820.00} I called to explain I can not afford this payment several times and was told I have to wait until after I miss payments to call Loan Science who handles the billing. I called Loan Science on XX/XX/2017 to question the payment amount and I was told that this includes late fees, I have not been late the loan was in forbearance but because this company does n't immediately put a loan into forbearance it accrues late fees. I find this absurd and question how this can be legal? The also informed me that they do not have any repayment plans available and I need to pay the {$820.00} on due date or I will be charged a late fee and next month my payment will be {$650.00} which is also an absurd amount to think someone can pay. I want to file a complaint against loan science for purposely and knowingly keeping me in debt by refusing to work with me based on what I can afford and also by tagging on late fees when a loan is under heir control for forbearance.