WillisBack/dataset-financial-user-claim huggingface dataset:
Between the years of XX/XX/XXXX and XX/XX/XXXX, the college I attended ( XXXX  University ) offered a direct private student loan to bridge the tuition gap that my Federal Student Loans did not cover. After XXXX  in XX/XX/XXXX, I was suprised when I received a letter in the mail that the private student loan portion was due immediately, instead of the usual 6 months until AFTER XXXX. I was unable to pay as I was unemployed for nearly a year after XXXX. By the time I eventually did get employement and had the ability to pay, it was too late - the school had sold the debt to a third party collection agency, damaging my credit. The main problem is I have received minimal to NO communication from this third party collection agency other than a single notice in the mail that the entire balance was due. I reached out to my school directly if I could come to an agreement with them, but they simply told me there is nothing else they can do and I have to deal now with the third party collector instead. Now I don't know who currently owns this private student loan debt as I have not received any communication on it for almost 2 years and don't know who to reach out to, and the school offers no additional help. This account is still on my credit report as a derogatory and has prevented me from being able to request any kind of credit, even things as simple as a credit line increase, much less a loan for a dependable car.
In XXXX of 2013, I suffered a XXXX attack and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, SC. I was treated and told to contact a provider who would perform XXXX surgery. I received the attached statement after my treatment and assumed an insurance claim had been sent to XXXX XXXX XXXX XXXX as well. I knew that I would be responsible for payment as my deductible and out of pocket maximum had not been met. However, I did not notice that for some reason, my insurance was never billed for services received at XXXX XXXX XXXX. I was unable to pay the balance until XXXX of that year, due to the fact that my husband was laid off earlier in the year. In the mean time, my bill had been sold to Central Financial Control ( CFC ), a debt Collector. After I sent the balance to XXXX XXXX XXXX XXXX, they, in turn sent it to CFC. 

I did have my XXXX removed in the XXXX of 2013 and claims were sent to my insurance company ( XXXX XXXX XXXX ) but were denied. XXXX stated that my deductible and out of pocket maximum had not been met. It was then I discovered that the initial emergency room visit claim had never been made and BC/BS had no record of the {$1400.00} medical bill I had paid. 

I contacted XXXX XXXX XXXX XXXX after finding out that they had not sent my claim in to BC/BS properly. They refused to talk to me because they had already sent my account to Central Financial Control ( CFC ), their Debt Collector. Every time I called, they transferred me to CFC. CFC refused to send in the claim as they had already been paid. I was told that it was not their responsibility. So, I contacted XXXX myself and sent in all the paperwork. They reviewed the hospital bills and other claims from later medical procedures and determined that XXXX XXXX XXXX XXXX was due {$2400.00}. They sent the check to XXXX who in turn sent it to CFC. The original delinquent amount that CFC was due was only {$1400.00}. They issued a refund check to me for the original amount and kept the extra {$910.00}. This was not their money to keep, so they have literally stolen this money from me which I need to pay off other outstanding medical debt. I still have the original refund check. I have not cashed it because I am afraid doing so will mean the account is settled. I called CFC and asked a representative why I was not paid the entire amount and they said they did n't have to. I spoke with a representative at XXXX and an attorney who said what CFC did was illegal. I told the CFC representative that I was going to hire an attorney and they laughed at me. Most of the representatives I spoke with were rude and XXXX even burped on the phone when I was speaking with him.
I was unknowingly enrolled in discover cards payment protection service since XX/XX/2009. I kept seeing the charge randomly on my bill and thought it had been a required service since I 'm positive I had never signed up for it. I researched it today and found out that they had a lawsuit against them for this service. I called discover and voiced my concern about feeling taken advantage of because I 'm fairly poor. They kept telling me the best they could do was reimburse me for six months. I 'm not satisfied with six months because they 've been charging me for this service for eight years now. They kept insistining that 's the best they could do. I feel really taken as a tale of at this point and hope there is something I can do.
Approved for funding to cure back payments on mortgage thru Step Forward Michigan. Nationstar does not reply to settle issue and continues to push forward a foreclosure.
Multiple FDCPA Violations by Collection Agency and  lawfirm Suttell & Hammer. This agency is attempting to collect charges for a fraudulent account opened with XXXX XXXX XXXX. This is identity theft yet they claim this account is verified by XXXX XXXX. I dont see how that is possible since XXXX XXXX deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : Suttell sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

Suttell advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and XXXX XXXX as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with Suttell & Hammer Collection Agency and listed on their website.
I have notified Suttell & Hammer as well as XXXX XXXX via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.
My complaint below is with XXXX XXXX NOT Walmart - Just checked my Walmart accountI mailed a payment in XXXX. It was cashed by your bank on XX/XX/XXXX. I faxed a copy of the cashed check, front and back on XX/XX/XXXX. The funds have still not been applied to my Walmart account. I expect the funds to be correctly applied to MY account, all late fees and interest assessed to my account be credited and this to be done immediately. I work for a bank. With a copy of the front and back of a cashed check we credit funds to our customers within 1-2 business days. The time-frame given to me when I called about this was 30 days. That is utterly unacceptable when you have my money. There was no research you had to do. I did all the work in finding when the check was cashed and getting a copy of it before contacting you.
On XX/XX/XXXX, Me and my husband were reviewing our account and there was a withdraw from my business account in the amount of {$1900.00} posted on XX/XX/2018 stating " Debit for {$1900.00} a withdraw Misc.  debit did not post on XX/XX/2018. Reference # XXXX. '' We never withdraw that amount at all at any branch or at any ATM or it would state the location, and we keep records and always check our accounts. We spoke with multiple agents on the costumer service phone number and the first agent mentioned that this was a Chase error, and that the funds were taken out of my account on mistake by the system and she started a research request that same day. On XX/XX/XXXX, Another agent, which I have his extension number and have been more in contact with, stated that on the withdraw slip shows a different signature that don't match mine or my husbands. We do not have any other authorized people in the account. Clearly this transaction was made by an unauthorized person. And why would the transaction be posted 2 weeks after? Then he transferred me again to someone that would further assist me and this last agent said that my funds would be available within 4 days. Today is XX/XX/XXXX and my funds have never been credited. Called the same agent and transferred me to another. He stated that the research was closed because they said that the funds were withdrawn on XX/XX/XXXX. I told them, you have on your notes that we never withdraw that money at all. We repeated many times in multiple calls and the signatures don't match according to one of their own agents. My money is being stolen right in front of me and I need help from someone that cares. I might have to hire a lawyer to help me out and set this right. {$1900.00} can't just disappear. This is my most reliable contact from chase XXXX ext.XXXX the only agent that seems to know what is going on.
A company named EMS continually calls me regarding a payday loan that I never took out. They are stating that I took the loan out in XXXX of XXXX and it was deposited into a XXXX XXXX account. I have had a XXXX XXXX account since XXXX and I have n't taken a payday loan out since XXXX. I do not recognize the loan company that I supposedly took the loan out with. This company has gone as far as contacting my direct family and my in laws. If I did take a loan out I would not have put my family members phones numbers on the loan as contacts. They refuse to stop calling me unless I submit a form to they mailing address to stop and desist on the phone calls. They are threating me with taking me to court for the full amount owed plus legal fees the have accrued.
My cell phone is registered on the do not call list. I received a call from someone who asked for a relative. I told him he was calling a cell phone and it was not the number of the relative. He told me my number was listed as an alternate contact number, which it is not. He asked if I could get in contact with the relative and I told him I have no communication with the relative and hung up. He did not identify himself or his company name. However, I looked up the phone number on the Internet to find out what the call may have been about.
XXXX/17 ATTN : I have evidence, ( see attached files. ) to believe CITI GROUP could possibly, have some discriminatory, practices CITI CARD., offers Free FICO SCORES ..to there Card Members, Over the past 3 months, the scores that they provided me over this time.have reflected, at least 35 Point Lower credit score, The key issue is I inquired with CITI, they stated the draw from XXXX.for member Scores However my other Financial Institutes ..relayed to me they Use the indentical Credit reporting Agency as CITI GROUP. ( XXXX ) Issue would be if all are getting same XXXX reports why would CITI GROUP 35 plus lower. If all Creditors I 'm am a Member of have express they are using XXXX to offer my score free monthly they should reflect the same score Those score represent.A Good vs a Excellent Borrower. 
I am of protected class. Over XXXX ..XXXX XXXX Female. An XXXX classification, If during investigation it can be shown a pattern .of discriminatory practice In reporting I would seek .Legal action referal in this matter, to include action if warranted Thank You for you attention XXXX XXXX XXXX XXXX
I sent a debt validation letter to XXXX XXXX for a second   time demanding validation of this debt. The original creditor is XXXX and the account was opened in Pennsylvania. I have never had a residence in Pennsylvania nor have I, or anyone that I know, ever resided at the address on the bill that the collection agency has sent me. I have never been associated with any of the phone numbers listed on the bill either. I also have never had cell service with XXXX. The collection agency keeps sending me copies of bills and to my knowledge, that is not an acceptable form of validation. I believe this account was opened in my name without my knowledge or permission. I am in the process of attempting to purchase my first home and need this issue resolved ASAP.
This is a long story, I do not know where to start. In XX/XX/XXXX I started the loss mitigation process with my insurance company, XXXX XXXX. They than sold my mortgage to Loan care which is the worst insurance company I have ever had to deal with! So from XX/XX/XXXX all the way until XX/XX/XXXX, I have submitted a loss mitigation packet every month. Every week I would call to follow up on the progress and they would tell me its with the underwriter and everything is just waiting to go through and than when that 30 days is up they would deny as missing paperwork that was previously sent and now they need all updated information. I have done this now for the past 11 months now. It is like the mortgage company just shuffles my paper work around and than denies it for missing information that had been previously sent. I have tried to contact my point of contact that never returns my calls. I would get reps that seem like they want to help and than they would disapper and/or not open my email. I had to end up claiming bankrputy because of this company! I could not afford the amount because of a lay off and I ended up getting so behind that I had to file chapter XXXX so I could save my house and now I am paying my mortgage and than some and can't even afford food for my family. I would recommend for someone to never use this company and they should be looked into.
I am a XXXX and have been for 32 years. I am now forced to use Key Bank, as they took over from XXXX XXXX. My account has lots of O/D CHARGES, due to the way they process the checks and deposits. I have a on line account so that I can see everyday the account balance. I have not had a negitive balance at all. They have bounced several checks from XX/XX/18 and on. 
I was never notified and did not receive any checks back. The employees at the branch don't know any information and can not help me. At this point I feel helpless and do not know where to turn. Many people in this area have left the bank due to confusion on their accounts. I would appreciate your looking into this bank and it's practices.
I called XXXX XXXX XXXX 's collection agency ( XXXX XXXX XXXX ) in XX/XX/XXXX to start the resolution process. I requested that XXXX XXXX XXXX provide a  documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information. 

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
Wells Fargo is the servicer on my mortgage loan, but it is clear that the only services they are providing is servicing their best interests and keeping me from obtaining mortgage assistance. I was given a loan modification that only dropped my payment about {$100.00} per month and did absolutely nothing to help my circumstances. I was able to make my first two mortgage payments on a trial basis and only did so because Wells Fargo gave me the impression that they would work with me to lower my payment once I was out of the trial period. I was still struggling since the modification payments really didnt help and I was kicked out of the trial program for being one day late on my final trial payment.

After I missed that payment they refused to work with me on any type of assistance. They would not have any constructive discussions with me and held my final trial check for over a year and a half and left me in limbo. Now that this has gone on for another two years, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road and now I will more than likely lose my home through foreclosure. 
Also, they have been serving my family members foreclosure documents at their home address! This is an extreme case of violation of privacy and I believe they have broken laws in the process. I definitely want this looked into as they have not only failed to work with me, but now have cause extreme embarrassment to me and my family. I have done a lot of research on the way they treat homeowners and it appears that Wells Fargo is now in the business of taking homes away instead of providing help for homeowners. We gave them {$35.00} XXXX to bail them out and they have turned their backs on me and apparently a lot of other homeowners. I read that they recently admitted to allowing over 500 homes to be lost through foreclosure due to their defective process. We should have never bailed them out and would have been better off if they failed. I make plenty of money now and can afford my payment, but there is a serious disconnect with how Wells Fargo believes how things should happen and reality. They still send me form letters all the time advising they can help, but never do. I hope your agency can go after them on my behalf and get them to correct my loan issues.
This debt to consumer portfolio services is not mine! I requested documentation showing my valid license and signature and the company sent me a signature that isnt mine! I have not been able to drive since the age of XXXX because a illness I have. I have never had a valid license to purchase a vehicle! Something needs to be done! A police report is on file
I had XXXX mortgage which XXXX XXXX XXXX took over. SLS then took XXXX XXXX XXXX. From the day they got control. They have been adding extra fees to my bill. I have talked to them and they would never give me the proper answer. and the finally they started to show that they were late fees and that I was not paying my bill on time. When they called me they were always rude and did n't want to listen to me. Please ask to stop unacceptably calling me.
I have filed a complaint about this bank account earlier today and the confusion and lack of transparency and predatory practices. I have charges that are on XXXX/XXXX/2016 how can a charge post in advance?
Received a letter requesting my SSN to be given to Bank of America or else my accounts with them will be closed. I went to a branch on XX/XX/18 showed them my SSN and personal information. Spoke with XXXX a bank phone representative, and XXXX XXXX ( manager ) on XX/XX/18 but they're still indicating my accounts will be closed by Bank of America. 

I have banked with then for more than 10 years, I had a mortgage account, credit cards so they do have my SSN number. It is not fair that they are closing my accounts even after I have provided them the required information they have requested.
I have been attempting to refinance my 1st position mortgage with Chase XXXX formerly Washington Mutual XXXX since XXXX of XXXX. Chase has been NON-responsive and refuses to remove an old lien item # XXXX on the preliminary title report that I DO NOT OWE them. 

Chase XXXX formerly WAMU XXXX gave me a Home Equity line of credit ( HELOC ) in the amount of {$95000.00} on XXXX XXXX, XXXX, as indicated on the attached title report. They then increased the SAME HELOC to {$420000.00} on XXXX XXXX, XXXX as indicated on the title report as item # XXXX. WAMU failed to REMOVE the original HELOC, item # XXXX on XXXX XXXX, XXXX. 

Now I am attempting to refinance and Chase is refusing to remove item # XXXX because both items # XXXX and XXXX ( XXXX recordings ) contain in their records the same loan number. Chase is afraid if the remove item # XXXX it will also clear item # XXXX. I do not owe on item # XXXX. I only owe on item # XXXX. 

Attached is my current loan of {$420000.00} and the preliminary tile report. Please let me know if you need additional information.
American Student Assistance ( ASA ) and the U.S. Department of Education have been attempting to collect on an alleged federal student loan in the amount of {$5500.00} ( XXXX ) with no valid promissory note. The law explicitly requires that any electronically signed notes are not acceptable unless there is proof that an electronic signature was affirmatively authorized. I have been attempting to obtain a valid note for years with no resolution. I have now written more than 20 letters since XXXX regarding the alleged loan requesting a copy of an actual signed promissory note or proof that I affirmatively authorized an electronic signature, but they have not been able to produce either. All they can provide is a note with the typed words Electronic Signature on File. No note - no debt. They are ignoring my repeated requests and have filed a garnishment with the Social Security office and funds are being deducted from my monthly Social Security check. They attempted to garnish an income tax refund, but it was denied. The alleged debt is invalid with no promissory note or proof that I affirmatively authorized an electronic signature. Also, the alleged debt has now grown considerably with interest over the years as ASA and the U.S. Department of Education are stalling and can not produce a valid note. Another rather suspicious problem is that the loan holders and loan numbers have continuously changed over the years making it very difficult to follow any accounting of the alleged loan. There is also an alleged loan with the Florida Department of Education for which they can not produce a valid note either. It would seem likely that this issue may have potential as a class-action lawsuit. I am probably not the only person dealing with invalid promissory notes from ASA and the U.S. Department of Education.
TD Bank has reported a late payment made on a credit card which is incorrect I requested to close the account and I was advised the account would be close immediately. This was false and I was still being billed for an active account I called multiple times to close the account in which TD bank has issued credits for late payment charges due to their error. Once he account was finally closed they reported me for making late payments  on an account that was n't closed due to their service issues. TD bank has acknowledged this information as incorrect and has filed a dispute to fix the error but due to multiple managers involved the dispute was submitted with incorrect information and the dispute was denied. I have been dealing with resolving this issue for over a year and my credit has been impacted negatively because of it.
Synchrony bank, Wal-Mart credit card.

When they upgraded my card, they changed the account. When my automatic bill pay sent the payments, they credited a " closed account '', while the " new account '' became delinquent. As I tried to buy a home at the end of 2017 .... I paid over {$1000.00} ( mostly late fees and interest ) just to close my escrow!

Now they came after me AGAIN for {$50.00} here and {$85.00} there ... .. I have complained, gone to escalations, have a stack of letters. I finally paid the small amount to shut them up, they credit the wrong account AGAIN .... and send me the $ $ back!!!! Now they are calling again. I have letters of them juggling between the 2 accounts. I get someone on the phone, and they try to help, just to get the check refunded to me over and over again!