WillisBack/dataset-financial-user-claim huggingface dataset:
We received a letter in the mail regarding a debt with HSBC Bank from XXXX XXXX XXXX XXXX. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.
XXXX cable company requested their equipment after my account was closed and it was returned they never posted it nor updated my credit files.
I was contacted by this agency this morning and they advised me that I had an outstanding balance in their office, I notified them of my bankruptcy filing over a year ago, gave attorney info as well. 10 minutes ago I received another call from the agency, the person said they never called again, I advised was on my caller ID, and look at my notes from earlier in the day, she said I see you filed bankruptcy when was it, I advised all info including attorney name and phone were provided, the representative then said, you must be a welfare XXXX and hung up on me. I called back and the rep said it was n't me who called but we wo n't call again.
There are 2 complaints. 
Complaint 1 : I have XXXX students loans with Navient. When I make additional payments to try and pay the loans off faster, they 1st apply the payment to interest rather than principal as I hoped and then restructure the monthly payment rather than keep it. So not only am I not reducing the principal, I end up paying more in interest. Since I am trying to pay off the higher interest rate loans 1st, this defeats the purpose. 
Complaint 2 : When I applied for automatic deduction of my loan payment, I was told I would get a discount on my interest rate. It was granted and then several months later they retracted it saying I was late. When I called concerning this, the rep said he could n't understand as I was never late. Come to find out, because I had a 3 month deferral ( which was before I applied for the automatic payment ), they then claimed I should not have been granted the discount. Why when I did not apply for the auto deduct payment until after the deferral which was when they gave me the notification that I was eligible for the discount. They not only increased the loan rate, they also charged me back the interest. Also, at no time was I told that a deferral would change my status to being late or behind.
I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.
I purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.
I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : XXXX XXXX XXXX XXXX  XXXX.
XXXX XXXX XXXX submitted the claim without going undergoing the prerequisite legal procedure. I have since obtained a release for the garnishment on this case the case is in trial stage. Attached is a copy of the 'release of garnishment or attachment '
Hello, I am XXXX XXXX and thank you for reading my story. 
My husband and I are trying to save our home from being escalated out from under us by our mortgage holder. We finally got a modification in XXXX of XXXX & the 3 month trial was up XXXX XXXX, XXXX. 
Through the magic of escrow & intrest our $ XXXX mortgage is now $ XXXX and today I was informed my monthly payment was going up another {$200.00}. The lender claims that this is necessary because I 'm in arrears on the escrow {$4000.00}. This is XXXX! If there was an arrearage it should have been handled within the modification. 
We built this home ourselves in XXXX and it 's located next door to my XXXX year old mothers home whom I care for. My parents bought the property in XXXX Our home loan was with XXXX Mortgage for {$1900.00} a month and we had never missed a payment. I paid my own taxes and insurance. 
In XX/XX/XXXX my husband 's XXXX. XXXX was denied so he began XXXX work as often as possible but he earns much less than he did before. 
I am a XXXX. My employment has been off & on since the economic turndown. I have had several very good jobs just disappear due to mergers, takeovers, and closings. We have used up all our savings, sold our stocks, cashed in our IRA 's and my pension from XXXX. 
We have nothing left but our home. 
When XXXX XXXX XXXX bought XXXX 's mortgages in XXXX or XXXX they took over our mortgage. I continued paying my regular payment until one day XXXX refused to accept my payment. They said I was n't paying my full payment. When questioned they told me they had added two escrow accounts to my mortgage that brought the payment up to {$2600.00} per month. 
I asked them to remove them as I had not given them permission to add them but they refused citing that they had to protect the Bank in case I did n't pay my taxes. 
I got an Attorney ; XXXX XXXX XXXX. out of XXXX XXXX, FL ; and paid them {$2500.00} to help me get a modification. ( They turned out to be crooks and were indicted by the Florida Attorney General for Mortgage Fraud. ) As soon as XXXX heard 'lawyer ' they transferred my loan to Specialized Loan Service . 
It took me from XXXX to XXXX of XXXX, hundreds of personal hours faxing and copying, checkstubs, tax returns, IRS permissions and hundreds of miscellaneous documents to finally get a modification. BUT : The only modification offer they made was based NOT on my actual mortgage payment of {$1900.00} but on XXXX {$2600.00}. 
To keep our home we had to agree to pay {$2000.00} per month. Right after this went through my company closed in XXXX XXXX. 
For the last year we have taken every job offered. I worked at XXXX XXXX so we could keep the utilities on through the holidays. My mother, children and other relatives help.It means so much to us to be able to live without fear of losing our home, without having to choose which Bill to pay or how much food we can afford to buy. With your help we could finally be solvent again. 
We have lived with this sword of XXXX hanging over us for five years now. I can not express the gratitude we would have for all your help us to get out from under it. Thank you in advance for sharing our story.
These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the Equifax Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 All Banks
The compagny is discriminating against me by refusing to discuss my loan.with me they discriminate by taking my name of the note and the mortgage i m on the deed i het letters from their lawyer biut yet they wont discuss my loan with me i want my name on my mortgage please i m the owner and i need to ne able to kniw the status of my house.
Reference Toyota Financial : Loan number XXXX question is, I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest, and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest, I would have to send them via mail to a XXXX, IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains, is the way they are doing there books correct or is it incorrect in terms of applying payment and interest, and letting the extra money set in there acct until eventually there will be enough accumulated to pay off the car ahead of time? Please advise and if you have any questions and do n't understand please email me at XXXXXXXXXXXX or call me and leave a message. Thanks.
NCC Business Services from Florida called me on XXXX/XXXX/15 XXXX times and asked for my mother ( I am her guardian and have POA ) but they would not tell me anything about why a debt collection company was calling her. They asked me to fax over my POA papers but I refused since I did not know who they were or what they were referring to. I thought it was over and then on XXXX/XXXX/15 the same fellow called me back. I had my mother call them and give them permission to talk to me. I called the company back later in the day and he mentioned the amount was {$2000.00} for repair of an apartment my mother had moved out of in XXXX. I thought I had paid this and told him I would look into it and call him back. When I contacted my bank, it was confirmed that I actually did pay this same amount for apartment repairs in XXXX and the bank is sending me a copy of the cleared check. So I called the company back and told them that they have the wrong information, the bill was paid and I was told to hang on. They had not asked for my name at this time or any information. It was a girl this time on the line and she came back on after a couple of minutes, apologized for the delay, and then the call was terminated. I called directly back, had the same girl, and the same termination of the call from their end. 

I reported this to the FBI and they suggested I report it to you as well. 

The name of the company they gave over the phone is NCC Business Services Debt CollectionPhone # XXXXThey were trying to get me to pay a bill which was already paid a few months ago. They are attempting to take money from the elderly. This is a scam.
check n ' Go payday loan made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email check n ' Go on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to XXXX XXXX and stop payment on check n ; Go payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. XXXX XXXX will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let checkn ' Go get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. XXXX vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with XXXX  mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
I AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XXXX XXXX AND TRANSUNION WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.
so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill
On XXXX XXXX I deposited {$630.00} into an ATM XXXX. The machine malfunction and it spit out a receipt with a number to call. I called the number reported the incident. Chase put a provisional credit of {$630.00} on my account. I went to another ATM at he bank and was able to deposit funds with no issue. On XXXX XXXX Chase reversed the provisonal credit. So they withdrew {$630.00} from my account which put it in the negative. When I called the claims department they told me that the ATM technician did not find the money in the machine. I asked the representive to play the video tapes at the ATM, I put money in the machine, and I knew the exact amount because I deposit my money like this every month, also I went to another ATM and was able to deposit the rest of my funds. I went to the bank with {$1000.00} between XXXX ATM deposits, XXXX receipt shows my {$400.00} deposit and the other receipt has a customer service number to call. When asked to play video footage at the ATM the representive said the ATM video is only facial recognition. I want to know what chase bank did with my {$630.00}. Further more chase has had my account in the red and I have not had access to my funds for over 24 hours. I believe this is untimely way to fix the situation. Chase made the error yet I suffer and my funds are gone. I feel robbed and I feel like I ca n't call the police about. Chase needs to give a direct answer to where my money went. They stole {$630.00} from me twice now, and I want answers.
I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner
My account with Chase XXXX has been closed for 6 years. I would like it dropped of my credit report.
Unauthorized charges on my account disputing but netspend is keeping me in thebdark with no info poor communication and customer service
I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.
ecmc sent me some paperwork however I 's disputing the fees and interest because they are making impossible to repay for example a loan disbursement of XXXX with a repayment amount of $ XXXX. This to me is unacceptable and doesn't see LEGAL. I also have always questioned the pay back amount and XXXX would never provide info I asked for like how is my repayment at $ XXXX oh actually within the last 2 months it was jacked up to $ XXXX. This is just for almost 2 years of schooling. There is definitely something wrong here with the accounting with ECMC and/or XXXX XXXX University which was in control of the disbursements. I have been asking for the last decade about these overcharges and can't get any help as to my options with disputing these loan charges/fees. I am starting to think that someone in the XXXX XXXX Financial aid office took in money that I didn't know about.
I am attempting a XXXX XXXX Exempted assumption as part of a divorce settlement. I received the property as part of the divorce settlement. The property was quit claimed to me, was made a defendant in foreclosure, even though he was not on the mortgage note. During the mediation process, the servicer, Seterus had to set up an exempted XXXX XXXX assumption process, since they had none, even though it has been the law since XXXX. Over the many months it took for the servicer to set up a process, I was laid off from my XXXX position. I still want to retain the property, maintaining that the I should have been treated as if I was the original borrower, given an unemployment forbearance, with a modification when/if needed post forbearance, consistent with the law, CFPB-2014-0016 12CFR Part 1026 " Application of Regulation Z Ability to Repay Rules to Certain Situations involving Successors in Interest and XXXX XXXX Guidelines The Servicer maintained that the " Ability to Repay '' precludes me, from the exempt assumption. I attempted to clarify with XXXX XXXX   itself. The person reviewing the case did not return multiple calls and made an incorrect determination based on me not being on the original mortgage note. During a subsequent discussion with a supervisor, on XX/XX/XXXX, still seeking clarification, I explained that the note was sold on XX/XX/XXXX ( I was notified XX/XX/XXXX ) to the XXXX   XXXX  supervisor, who was unaware. She then said, during the ensuing conversation, that she was not able to do anything else, since XXXX XXXX did not own the loan any more. This still leaves the XXXX XXXX and the Serterus believing of relevance of " ability to repay '' as a valid reason or not for not allowing an exempted Garn St Germain assumption. 
I am in the process of fighting this pro se, getting it back into mediation in CT. The mediation result should transfer through to new note owner. XXXX XXXX and Serterus need to know they are not processing these transaction correctly however.
XXXX was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX 's Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold XXXX responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.
I had a good working relationship with chase bank for years and suddenly when i applied for a new account, they closed all my accounts without explanation and sent me a letter saying i have no more active accounts with the ... they wont give me an explanation what i did wrong!