WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card debt with U.S.Bank for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX DBA XXXX XXXX XXXX with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by U.S. bank. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my girlfriend to call him for me because she works in the XXXX XXXX and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is XXXX XXXX XXXX XXXX. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.
The company will not work with me. I asked to work with them on a settlement. Company was extremely rude and inappropriate.
My family has owned our home in XXXX, Arizona for over 30 years. I have had some major health issues the last few years and due to a XXXX and XXXX XXXX was forced to retire. I had a lapse in income after retiring while waiting for my XXXX checks to begin and as a result fell behind on my mortgage with Nationstar. Now that I am receiving a regular check from XXXX and with my wife 's income we can resume making our mortgage payments. The problem is that Nationstar will not accept our payment. They will not communicate with us or assign a point of contact. We have asked to be reviewed for modification programs through the federal or state government but they have not even opened a review. As a result we now have a foreclosure sale date set for XXXX XXXX, XXXX. This should not be happening because we can afford a fair payment if Nationstar just gave us a chance at a modification. 

My wife and I refinanced our home in XXXX. When I began having XXXX XXXX in XXXX and was unable to work we were allowed to apply for a loan modification and were approved. We made these payments without any problems until I XXXX in XXXX which left me unable to work. At this time the loan had been transferred to Nationstar. I do n't know why Nationstar is not even considering our current financial situation and working with us towards a restructured loan. I think it would be better for everyone and more money for Nationstar if they worked with us and allowed us to stay in the house instead of foreclosing on us. We are not that far behind on the loan and our balance is low as well. I definitely believe if Nationstar took the time to review our information we would qualify for help.
I closed my credit card account with Capital One over 2 years ago. Despite that, they renewed the card and issued a new XXXX. They then proceeded to bill me and charge late fees for the new card. Hours upon hours on hold and unreturned calls from " supervisors '' failed to resolve the problem. These " fake '' renewals seems to have strong similarities with the recent XXXX XXXX scandal.
I had a XXXX XXXX in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX running my credit TD Auto Finance XXXX XXXX XXXX XXXX XXXX MI XXXX also ran my credit without my consent.
I made a purchase to XXXX XXXX via XXXX XXXX XXXX. Retail Card with deferred interest. I paid the account in full before the 6-month term expired. TD added a late charge of {$37.00} towards the end of the term leaving a {$37.00} balance. I complained several times and they claimed to remove it. They did not, and instead added the compiled deferred interest and now claims that I owe {$370.00} and continue to add late fees.
I have made several attempts on XXXX/XXXX/2017 and XXXX/XXXX/2017 to contact this company because they are reporting negative information on all my credit reports about a debt that is not mine. They have failed to proved me with viable evidence of ownership of the debt they are claiming is mine.
We purchased our home in XX/XX/2016. In XX/XX/2016 our mortgage was transferred to another bank. In XX/XX/2016 it was transferred yet again to another bank. Our last payment to the second bank was misapplied onto principal instead of to our monthly payment. Since XX/XX/XXXX we have been in continual contact with the second and the third mortgage company trying to get the XXXX payment put back onto having been XX/XX/XXXX payment instead of some random payment to principal. We were worried about our credit looking bad and finally made a payment to the newest lender with their assurance it would be applied to XX/XX/XXXX ( not reapplied to XX/XX/XXXX, as that payment was trying to get fixed ) but it was n't and we are now repeatedly coming up as weeks behind on our mortgage. The chain of our mortgage was : XXXX then XXXX and now Loancare. We have done all that we could and decided to reach out to you for help.
The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal.
In the late XXXX, my then-husband and I took out a Sallie Mae consolidated student loan. The amount was between $ XXXX. We have been paying on average $ XXXX for the time since, with the exception of a short deferment after our son was born and needed XXXX. Because we divorced in 2001 and we were not permitted to separate the loan we for a few years sent our payments in separately and on time. We did n't realize for a few years that we were being charged late fees. Why? We were n't late on payments during that time. It affected both our credit. This loan payment has been an extreme burden, and we currently, almost 20 years later, owe about $ XXXX. How could we possibly still owe that much after making payments all these years? It 's mind boggling. It 's because they 're corrupt. What they 're doing is a scam, and I feel like it we went to court, we would win. We 've even asked them to provide documentation of our account activity and charges. They will not. We have applied with a payment reduction program, and more than once they 've tried to RAISE our payment to a {$1000.00}! We ca n't afford that. It is not legal. It ca n't be. Who is going to hold them accountable? I know of other people who consolidated with them and are in the same insane boat! Please help!!!!!!
I received a call from XXXX XXXX XXXX XXXX, regarding a student loan that is owed by my daughter. The collector was screaming at me, telling me I am a loser and I should have never procreated children if they ca n't pay their bills. That my children are clearly losers like myself.
I reached out to my bankruptcy attorney worried that I was falling behind with my payments he told me to start making the payments & if I needed to include the mortgage in my bankruptcy then we would do that we just had to wait for Flagstar I started sending the money orders and last month I got them back with a letter telling me that my loan is not active with Flagstar Bank - I then received a call from my attorney at the XXXX XXXX in Wisconsin on XX/XX/19 they stated that Flagstar told them that I stopped sending the payments in XXXX, also my attorney verified that I was sending the payments to the correct address that was listed on the bill which I have also included here. Around this time I also got a manilla folder from there attorneys XXXX XXXX XXXXXXXX which I have included in this complaint.
They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.
The vehicle was XXXX XXXX in a XXXX XXXX at XXXX XXXX on XX/XX/XXXX.  XXXX totaled the car and called Santander to request a payoff quote that was 15 days out. My son and I where advised that our account would be documented and the car company would deal with the insurance company once I provided them with the policy and claim information. We signed over the title to XXXX and received our check portion to go and obtain another car. The day we signed over the title POA was on XX/XX/XXXX. It was our understanding that the check would be sent to Santander and XXXX would receive a salvage title. I have had no additional communications with Santander until today when one representative called me to inquire if I had receive any funds from the insurance company. I advised I had weeks ago and that XXXX told me they would send out there check. They stated they had been calling XXXX for weeks and needed a status. I advised I would call XXXX and obtain some information. I received the check information. The check number is XXXX for {$3200.00}. I processed to call Santander back with the information I obtained. I then spoke to XXXX who advised me that my credit report would be damaged because the check had not been received. She also proceeded to tell me that they had already been in communication with XXXX and they did not send out their authorization until XX/XX/XXXX or XX/XX/XXXX, which was well after I signed my documents releasing us from the title. The payment becomes 30 days late as of XX/XX/XXXX. However, this is the first call and conversation I had with Santander and felt harassed to provide a payment I did not know I owed as I did not receive any mail, voice mail or email concerning a delay in the payment. My portion was done. We took the funds we got put 97 % towards the car and paid over {$350.00} for insurance. Now, I am being told I need to make a payment for a loan that should have already been paid off. But due to Santander 's delay in getting the necessary docs out, I am being called to collect. I am confused. When is it my fault that you did not send the paperwork off until 5/6 days later. How am I suppose to come up with money I did not know I owed? At no time did any advise me to continue to pay until the check was received. I feel like I am being bullied after an accident that we are still receiving medical treatment for. I am bringing this up to my attorney as well because I feel XXXX  XXXX and XXXX from this whole experience. I do n't understand that if they had already spoke to XXXX why did I receive the call. If they already knew the check was in the mail what were they expecting from me. The last I talked to this company was around XX/XX/XXXX or XX/XX/XXXX. I provided with the information they requested concerning the claim. It has been almost a month and now you want to call. There has been no letter in the mail explaining our next steps, what we should continue to do or follow up with the insurance company. I feel like this company believes I should read their mind.
In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget.
WESTERN SHAMROCK CORP {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
I originally had federal student loans ( all of my loans are federal ) from obtaining my XXXX XXXX from XXXX XXXX in XXXX and XXXX. I was approved for the XXXX grant but after sending in paperwork several to verify my 5years of XXXX  service at a title 1school I never received the {$5000.00} I was eligible for. I then in XXXX and XXXX was enrolled at XXXX XXXX  seeking a XXXX XXXX in XXXX XXXX. I have approximately $ XXXXfrom my first degree and {$30000.00} from the other schooling and although I tried repeatedly to get the loan forgiveness and even thought they had enrolled me, it was brought to my attention finally that no I had not been enrolled and Navient transferred my loans to XXXX XXXX XXXX. I am now not eligible due to the fact that over the last 13 years my salary has increased making me no longer eligible to get any assistance. Although Ive been making payments since XXXX ( occasionally taking deferments or forebearanceor being enrolled in school ) I have never been in default and i owe near the same amount as my original loans in XXXX and XXXX and XXXX. I am very distraught over all of this.
Sallie Mae is trying to keep me from being able to pay my loans. I have been a borrower since XX/XX/XXXX  Due to their unfair interests rates I am now owing XXXX. Since XXXX I have tried to work with them for some way to lower my payments. With my job, I was not making enough to make a payment of ovwr a grand a month. Sallie Mae lies. Numerous times, I have tried to forebear my loans. Somehow, they always fprget one to three loans ( I have 8 ) and I end up getting markes for a late payment ( when the loans are suppose to be forebeared ). I have talked to the agents numerous times about repayment options. I was told to let my loans go into default, then their will be better options! By the customer advocate department! So even the employees know Sallie Mae is full of XXXX. I also realized how I was connected in the XXXX situation. They tried to hide that too! I am over Sallie Mae not giving their borrowers better repayment options.
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT GOLD KEY CREDIT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX   XXXX DOBXX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
I have called and mailed letters on several occasions regarding accounts opened fraudulently in my name and I included the Official Affidavit form, Federal Trade Commission Identity Theft Report and Local Police Report. The company keeps on responding with a denial letter which changes each time. One denial letter will state that Merchandise was shipped to customer 's verified address which nothing was ever delivered to my address and I have asked for signatures to prove who was signing for these items which they never would provide. I also asked for a copy of the application in my name which they refuse to provide and also the information used to open the account does not match my information along with the security questions do not match my answers. I never applied for any credit card and there have been several opened with Synchrony Bank and they refuse to accept that this is Identity Theft. The other denial letter states that the account opened greater than 1 year with verifiable payment history which they say was made using a XXXX XXXX  account. I have never had a XXXX XXXX  account and have definitely not made any payments to this company. They also state that customer benefited from use of card/participated in the purchases. I have never even received a credit card from this company and have definitely not participated nor benefited from any purchases. Synchrony Bank is a Fraudulent company who refuses do accept that I am a victim of Identity Theft.
I attended XXXX, which this school has since been CLOSED DOWN, and Navient keeps contacting me to repay my loan, but after reading all of the complaints about Navient I am hesitant about starting a payment plan with this company. I feel as though I should not have to pay off a bogus student loan when the school I attended was not a legit school
In 2014 I was contacted by a company named XXXX and offered the opportunity to make money online with their XXXX online business. I paid them {$4600.00} for one years XXXX program and XXXX affiliate pages. I only received XXXX pages and a virtual XXXX download that disappeared from my computer. When I noticed that my XXXX was missing I contacted the company was told that they were relocating out of the country but would still honor their contract. Needless to say, they did not honor their contract. The services were not provided. I was ripped off.