WillisBack/dataset-financial-user-claim huggingface dataset:
I had a lot of debt prior to my student loans and I was trying to get that under control so that I was able to pay back my student loans when the deferment period was over. I was scammed by a lawyer company that promised to help reduce and eliminate credit card debt to avoid bankruptcy. I lost over {$7000.00} in the process. I canceled my account with them and they only returned {$780.00} to me and did not help me handle my debt. I ended up filing bankruptcy in  XXXX .      Well ti me was coming where I had to deal with my student loans both private and federal. The private len der  XXXX  sent my d ebt to a debt collector  XXXX  and  XXXX . This debt collector contacted me and wanted me to pay {$2000.00} per month to clear the debt. I told them I could not pay that much. They proceeded to send me court papers to initiate wage garnishment. I made several attempts to go to the court and ask for lower payments. I was unable to talk to and person in the courtroom. I attempted to get a lawyer to help me with this situation and I could not find an attorney that would even touch the case.     Garnishments started in   XX/XX/XXXX   and continued til   XX/XX/XXXX ,  where the payments being taken out of my paycheck were being returned to me because  XXXX  filed bankruptcy. I believe I go t 6 of t he payments made, returned to me. The garnishment finally stopped around   XX/XX/XXXX .  No other mention of the garnishment was made until   XX/XX/XXXX   where the garnishments were reinstated and money again was being taken out of my paychecks.     At this point, the garnishments put me back into poverty. I lived in subsidized housing and was barely making ends meet just to pay my rent. I to ok two more  jobs to help me pay my rent. I even canceled my landline and my cable to help reduce my monthly expenses. I already use coupons and recycle to save money. Well, since I lived in subsidized housing, there were income limits to follow. In   XX/XX/XXXX , I  received a letter from my housing management that HUD was going to have residents that earned more than the income limits, move out. Even though I was above the income limits, I was being garnished so much that I would not be able to afford to live outside of subsidized housing. I was having a hard tim  e paying for rent as it was.
I had depleted most of my 401K account j  ust to get by and be able to buy food. I did n't even qualify for free food because I made too much money. Now I not only owe on the student loans, but now owe the IRS more than {$24000.00} (  XX/XX/XXXX   )  and roughly {$7000.00} (  XX/XX/XXXX   )  because of the money I have taken out prior to me turning  XXXX .     I have had to move back in with my mother and take a job that only pays $  XXXX /hour. This hourly wage, according to HR, is recommended for the 30 years of experience that I have in   XXXX  . At this point, I do n't know how I am even going to get started with regards to paying back these loans.
Roughly nine months ago I began seeking a short sale approval on sale of a XXXX family home that I own. Its a XXXX XXXX backed mortgage with Wells Fargo. Wells Fargo dragged out the approval process for about nine months. They would ask for single documents every three weeks instead of asking for everything they needed. The requests were often cryptic to the point that Wells Representative assigned to me did not understand the request by the processor, or in some cases they would request the same document multiple times. Finally 4 weeks ago they send they would do an appraisal, the XXXX one, since the XXXX one was done so long ago. Instead though I received a rejection notice with a reason that makes no sens, and nobody else can or is willing to explain to me. 

I feel they purposefully strung us along during the process. As does my realtor/lawyer in the attempts to get us to pay as much money as possible. I am not in a position where I can default so my only option is short sale. 

The property is under water by XXXX. We have tried to make the property work by renting it but the neighborhood has gone down hill so much it is impossible to keep good tenants or even find them. The property needs repairs but being XXXX underwater it makes no sense to fix anything. We desperately need relief on this property.
I keep getting hounded by a local debt agency that ask for sensitive information such as my social security, and credit card information to pay the debt on the phone.
on XXXX/XXXX/16 i got a missed call from a unknown number of a gentelmen saying hes a private investigator investigating a larceny by check agains me left me a case number and a phone number to call. i called the number and a guy named XXXX XXXX told me he was the guy on my case told me i owe XXXX and change to a company called XXXX i said no i owe XXXX he said the rest is our fees so you have the option to pay for it now or ill have to file a lawsuit against you for a larceny by check and have you arrested and suspend your license and company Dot number so you can no longer do busines i said to him thank you very much sir but i never wrote a check to beguin with he said you did when you signed the contract u gived them a voided check i said yes i did but they were taking money from my account i never wrote them a check for the debt i owe them so he said well that larceny by check i said sir ive to contact my attorney for this he said ok call me back. after a 40min i called him back and i told him my attorney will give him a call he said well ill file a criminal charges agains you tomorow i told him ive attorney hes taking the case over. the next day i had missed call from what appeared to be my home town PD XXXX NJ i called them back give them my info they said we never contacted you or noone from our department did. later that day i got another call from someone from the PD said he recieved a papers for me under a criminal charges i said ok he asked me if i still leave in garfield i told him yes and i went to the PD to see whats going on. they check all the detectives and everyone that has access of the number noone called so i went to my attorney he called them with me pressent same day the XXXX XXXX wasnt there they said call tomorow. 
Next day he called them and told me they broke so many rules and told me to dont worry if they call to tell them to call him. 
20min later XXXX XXXX XXXX called me saying this is your last chance and i made bad decision hiring a lawyer he was so bad he didnt know the laws and that ive the last chance to pay XXXX up front and another XXXX next week including his charge. i told him i pay the lawyer for a reason to call him if anything he said well dont be surprised if i have you arrested or shot down in a weight station ( meaning ill suspend your lic or dot number ) he said remember XXXX XXXX XXXX i said fine no problem I NEED THIS XXXX FINED ILL CONTACT THE LOCAL NEWS AS WELL
On more than XXXX occasion, I was called at work and on my cell phone by an Account Manager XXXX. An account manager left several messages for me through the office manager at my job. This has caused complete embarrassment and anxiety for me at work. More recently I've received numerous threatening emails. This ordeal has given me anxiety and stress. I communicated that I do want to work to clear my debt and that I'm currently under dire financial constraints. When I didn't reply as quickly as the Account Manager, XXXX XXXX expected, I was harassed.
My student loan was in default and went into wage garnishment. I ma trying to start a payment plan to get out of default and NO one will call me back. I have called over 120 times in the last month and left over 47 voicemails. I have called all government departments that had anything to do with my loan and the only thing they tell me is that I have to speak to someone at Immediate Credit Recovery. At this point they are stealing from me. They are collecting a fee when I am actually trying to get out of default. They wont call me back because after I get out of default they will not be able to collect their fee.
I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.
Equifax has mishandled the sensitive information of 143 million Americans. Then, they failed to inform the public until a month after it had happened. They have only offered us 1 year of free credit monitoring, which also waives our right to take legal action against them. 

Companies that handle sensitive information like this should be held to a higher standard and disciplined accordingly when things like this occur.
I HAVE HAD NUMEROUS CALLS FROM PORTFOLIO RECOVERY ON A DEBT THAT I AM NOT SURE I OWE. WHEN ASKED MULTIPLE TIMES TO SEND ME IN WRITING THE ORIGINAL FACTS THEY REFUSE AND THREATEN ME WITH JAIL. THEY HAVE CURSED AT ME AND SAID I HAVE COURT DATES AND SUBPEONAS THAT IVE NEVER SEEN.
Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX  XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. 

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.
I am a XXXX XXXX customer at Bank of America 13+ years customer. 

Today BofA slapped me with a XXXX hold and told me that my account is being closed. BofA requires you to have XXXX deposit with them in order to maintain the status - and I was transferring my money from various bank account I have into BofA so that I can maintain my status. I suspect this abnormal high amount of transfers triggered their system and I was told that they are closing my account. 

I have no issue with BofA closing my account except they locked up all my savings in the account. The amount is a bit more than XXXX. They have refused to let me withdraw the money and they said they have submitted a request to " re-open '' my account so I can pick it up at a local branch. 

I am going out of country, and I need access to the money. Because that I was pooling all my money to maintain the status, now I might default on various payments unless I get access to the money. 

This practice isn't right - at least BofA should give access to my own money.
Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.SLS put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.
I have a credit report from XXXX XXXX 2016 where Transunion shows that there are XXXX inquiries on my credit report. Then, on XXXX XXXX, I pulled another credit report and Transunion has placed XXXX inquiries on my credit report. They claim it was a glitch, but when I called, the representatives lie and say my credit report was not affected, but I have the proof. I was hung up on by XXXX representatives who refused to transfer me to a manager, or anyone in the USA. 
The violated the Fair Credit Reporting Act, Section 611 ( B ) ii which states any deleted information ca n't be re-inserted unless they notify a consumer in writing within 5 business days. I was never notified. They just blatantly broke the law. 
These are the inquiries that were deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have written about this dispute SEVERAL times and neither Equifax nor CFPB has taken proper action. 

Equifax continues to report INACCURATE information even though I 've complained directly to them, and via CFPB. I have sent documents via CFPB to support my claim, but NOTHING has been done to correct the error. Why does CFPB exist if they FAIL to uphold the law that requires them to penalize the CRB 's for inaccurate information when PROOF of the errors has been submitted?
My husband and I went to a company called USA discounters back in 2009 when we were XXXX with our XXXX child and just getting settled right off base. We were both in the Military. Everything was fine, until my husband was suddenly XXXX three days after I XXXX and I moved home to be closer to my family. Money was extremely tight, things were getting worse, and we started missing payments. The payments were around XXXX a month. USA discounters started calling us threatening legal action, and finally started sending letters talking about taking us to court ... in XXXX. I lived in XXXX at that point and my husband was in XXXX. There was no way we could have ever gotten there. Now, this debt sits on my credit score. It gets updated every year, and it has prevented us from getting a house. We have XXXX small children. I still do n't know what to do. I 'm hesitant to even try and pay it, because of how terrifying these people were in the past to us. Now it is with a credit reporting agency, the same one who USA discounters was sending these horrible notices through. I need help.
The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.
Planet Home Lending is currently servicing my loan they got a transfer from XXXX XXXX. During the transfer I was in the final stages of a modification with XXXX XXXX. When XXXX transferred my loan, I was behind on my mortgage and the modification would put my past due payments to the back of the loan. There was some confusion about how much I was behind because I had paid Planet Home Lending my monthly payments before the loan was officially transferred over. XXXX XXXX said they transferred my loan XX/XX/XXXX and I began making payments to Planet home Lending XX/XX/XXXX. Planet Lending did not accurately access how much my loan was in the back because XXXX had told them 5 months but it was only supposed to be three. I am attaching XXXX XXXX response to a complaint filed here with the explanation of what they transferred to Planet home lending. I had escrow overage, {$2200.00} in a suspense account. Neither Planet Home Lending nor XXXX XXXX credited my account for the suspense amount which was in excess of XXXX mortgage payment. This was the first RESPA and CFPB violation. Second Planet Home Lending refused to honor the modification agreement with myself and XXXX, instead of picking up from the final stages they made me start over the process and calculated the incorrect amount in the process. This is another violation of RESPA and CFPB 's XX/XX/XXXX regulation which states that a mortgage servicer is supposed to honor the prior servicer 's modification, which Planet Home Lending failed. Third, Planet Home represented to me that I was not able to get credit from them for my escrow overage I had to get that from XXXX XXXX this was not true and I had to consistently call them for them to credit me some of my escrow overage. I have filed a complaint on Planet Home and XXXX XXXX and XXXX responded and I received additional information to substantiate my claim against Planet Home Lending which is why I am filing this second one. I am attaching all proof and information hereto. Planet Home Lending is being deceptive and not following guidelines and causing stress and hardship on homeowners and this must stop. Planet Home Lending instead of trying to fix the problem they continue to hound me for extra money. They have not given me the proper credits for my escrow and suspense accounts yet they want me to pay them more money. I do not trust them and I want them to do a full accounting to make sure they are not further taking more of my money wrongfully. I tried to pay my payment for XX/XX/XXXX while Planet Home investigates the accounting. They have refused and this refusal is going to cause me extra more problems in the future. If Planet Home Lending thinks its accounting is correct they should happily do this so that they could show they are not trying to hide anything. They have threatened to foreclose. I had an agreement with them to pay what they were claiming I owed and they still sent me a default letter which they claim has begun my 30 day notice of foreclosure. This company needs investigation into their deceptive practices.
I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.
2016 MidLand Agency for XXXX XXXX, is claiming I owe but I paid them in full
On XX/XX/2018 I went in to the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Ma XXXX I walk up to the teller swipe my card and then enter my code. After the teller look at me and then look at my three accounts the teller then asks me for my ID I said even though I swipe my debit card and put in my code. After telling her Im just checking my balance Im going to transfer {$200.00} from one account to anther account and them she/teller said I still need to see your ID I said you need my id just to check my account balance and she/teller said yes. 
So I go over to customer service and tell him the same story and then he ask do I have my debit card with my code and I said yes and then we both go back to the same teller the customer service man ask me to swipe my card I did. And then he said put in your code. I did. And then the teller checks all 3 balance and did transaction and I'm still asking both of them why she needed to see my id NO ONE COULD SAY ANYTHING TO ME .... but I know why I never felt humiliated and embarrassed like that in my life On Monday morning I call that same branch to speak to the manager and he made up so many excuses on why I need an id and got all out of his professionalism and started acting immature over the phone so I told him I will just report it to the XXXX and the Manager / XXXX said he dont care an then I hung up.
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california
I have paid ditech XXXX $ To bring my account current and pay off negative escrow. I followed the instructions on contacting XXXX and he told me to first pay XXXX to bring my account current which I did. I then called back and was told if I paid XXXX that I would be current and my payments would be XXXX. I did that as well. I called for my XXXX payment and was told I have to pay XXXX and then XXXX payment would be XXXX because I am still short. I do n't understand how when I have done everything they asked me to. They are not working with me at all and keep giving me misleading information. I am now being told that the payment was not enough to cover what is owed but I have spoken to them numerous times and they paynents they told me to send is what I did. I did exactly what I was instructed to do and am still being told I am deficient.