WillisBack/dataset-financial-user-claim huggingface dataset:
Company contacted my wife and my mother and released information to them in regards to a student loan I have with XXXX XXXX. They contacted me and left me a voicemail as well stating they have contacted my girlfriend and my mother and that they are n't " playing games '' with me and that I needed to contact them as soon as possible before they file legal suit against me. Then my wife sent them an email asking for more time and the email she got back from them was completely out of line. This is what the email said " This is exactly why we do not do voluntary payments arrangements. I gave you a gift to pay {$50.00} per month, and the very first payment, you do not mail it. This is to be paid absolutely, positively ever month. Just like your rent. Your landlord is not concerned with medical bills and everyone with children deals with them being sick. But you still get the payment in no matter what. You owe our client {$3500.00}. I was trying to help you to accept your offer. Shame on me thinking you would do it. '' I am not happy with the way they are communicating with, XXXX and my wife. I do not know what to do. We are willing to pay but the service we are receiving is beyond me and comes off as harassing.
XXXX XXXX 2016 Consumer Financial Protection Bureau - CFPB Let 's start with : " Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by California law [ and U.S. Law ]. '' My complaint : This is in regard to my credit account CareCredit of which all payments were made to Synchrony Financial ; also, there was never a late payment. 
According to their most recent statement my 2016 totals of the years to date are as follows : Total Fees charges in 2016 {$0.00} Total Interest Charges in 2016 {$220.00} Total Interest Paid in 2016 {$810.00} No new charges have been applied to this account in over a year. Further, please note that I opened this account approximately two years ago with no interest paid during the promotional period to open the account. If not paid in full within the first year, the interest rate is now applied to the overall balance in the second year, thus, combining the XXXX balances creating the interest so stated ( {$810.00} ). I was never informed of the 'combination ' creating that interest in dollars and cents. Had I, my decision knowing what the interest and payments would be would have definitely changed my position regarding the continued relationship with CareCredit. 

I have no problem with the arrangements during the promotional year and no problem with the interest added after the first year. It is combining the interest from the first year and adding it in thereafter, thus, the total interest amount that I am paying of which I base the term -- usury. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, et al do not go back and charge the first year interest free if the balance is not paid. Again, I would have opened an account with a lending institution had I known they were going to charge me {$810.00} plus in interest cost for such a short time. 

The dentist office called in the information for me and then I was approved. When I signed the agreement, I had just had a root canal so the part that supposedly stated all has to be paid in full or you will pay over 50 % interest was not clear ; nonetheless, this should not be allowed. 

In addition, when XXXX XXXX took over the balance, they sent me a bill for {$32.00}. 

Sincerely,
First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX
To whom it may concern : I pulled an Experian credit report on XXXX18 and I noticed a name that does not belong on my report. Can you please remove : XXXX XXXX XXXX. 

Thank you XXXX
NEW CENTURY FINANCIAL SERVICES, INC. tried to garnish my wages   XXXX   within this letter it referenced a Docket Number   XXXX   XXXX   I researched NJ courts website and found that there was a Civil Judgment against me   XXXX   XXXX  . I had no knowledge of this judgment, I was never served, I had left the state of NJ   XXXX   XXXX   when I relocated to MI. I contacted several lawyers in   XXXX   to appeal the Judgement, and have it vacated. No lawyer would take my case " As it was n't worth it, as the alleged debt was {$460.00} and their fees would be in excess of {$2000.00} ''.   I wrote a lette  XXXX   XXXX   XXXX   XXXX   to the  XXXX  court to the presiding  XXXX  explaining my situation, I had this letter notarized and wrote a statement at the bottom stating that all the above was true etc. I submitted my  XXXX  form for  XXXX  from my employer in  XXXX  and a copy of my lease, reflecting my MI address.   The courts scheduled A WAGE EXECUTION Hearing   XXXX   XXXX   XXXX   XXXX  n front of   XXXX   XXXX   XXXX   XXXX  . I could not attend the court hearing and phone the judges clerk who advised me to submit a fax stating the reasons. I requested if I could attend via telephone, this request was denied. I believe the ruling was that the judge denied the wage garnishment, however when I contacted the courts, I was told that I had wavered my rights to know the outcome as I did not attend. I have looked on the   XXXX   courts website and as far as I can understand it was " Disposed ''??   I recently contacted the court and requested the case files, which I am waiting on.   Is there anything that I can do? I feel helpless, this has negativley impacted my  credit score . It will continue to be reported until  XXXX . I can not understand how this can go this far without my knowledge. I was never contacted regarding this debt prior to  XXXX . I have spent time and money trying to rectify this situation, all to no avail.   Thank you in advance for your kind attention regarding this matter I would like to state that during the  XXXX  years living at my  XXXX  address, my mail was always being mis-delivered as there was a similar address in the same city.
On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit.
I have several unauthorized inquiries on my equifax credit report ... XXXX XX/XX/XXXX,,, ,XXXX XX/XX/XXXX ... .XXXX XXXXXX/XX/XXXX andXX/XX/XXXX ... XXXX XXXX XXXX XXXXXX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... I have been a victim of identity theft per my fraud alert and I have not received proof by equifax I authorized a hard inquiry per frca..I was also affected by the equifax breach
on XX/XX/2016, I disputed a medical bill debt with Paragon Revevue Company with the XXXX credit bureaus and the debt was deleted.. I have recently received a copy of my credit report and Paragon has re inserted the debt back. Paragon is a third party collection agency and they have put the debt back on just under a different name. I am asking that the collection mark be removed from all bureaus immediately. They were given thirty days to respond back to the disputes.. The company has violated all Hipaa laws as well as debt validation requests.. I am asking for the prompt removal of all inaccurate accounts from this copany and the debt owed was paid in full from an insurance claim..
I was called by a USAA Bank XXXX, during the discussion the lady made the statement that we checked the taping of my phone discussion, I was surprised, I was not told that they were taping me, I feel my constitutional rights have been violated, plus is there not a federal law against WIRE TAPS with out a judges approval???? + also not informing me that I 'm being TAPED???
I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.
I paid an auto loan off through PNC Bank on XXXX XXXX, 2015 and put a stop payment on the auto pay through XXXX on XXXX XXXX, 2015 but something went wrong and XXXX paid a XXXX payment to the acct that PNC says was closed on XXXX XXXX. PNC says they never received it, that it was automatically rejected and XXXX says they have no record of this rejection and do n't have the money. PNC says they have no escalation process because it was never received and XXXX says they ca n't escalate until they have something from PNC. I know every time money electronically transfers it goes through the Fed Reserve and has a Fed number to track but all parties refuse to look into it. {$720.00} is n't a huge amount of money for some people but it 's XXXX and I do n't have any money!
On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.
My Bluebird card that i used for bill pay was compromised and in the end result bluebird closed my account and denied my claim. I went to XXXX and loaded XXXX bucks on my card i quickly realized the XXXX i forgot to keep for gas. I went to stand back in line and the cashier pointed me towards the atm where i then withdrew the XXXX dollars. While at the gas station in an attempt to buy a water bottle i realized my card was missing so i went back to XXXX to find my card and was told the ATM must 've eaten it up. i then left got home and called bluebird while on the phone with the bluebired rep i explained that i lost my card and that i needed a replacement sent out the rep went ahead with my request and in the middle of conversing told me my card had a balance of XXXX dollars left. I told her that must be wrong she then let me know that the transaction had just occurred while we were on the phone and that it was a XXXX withdrawal, she asked before sending me over to the fraud department if anyone had access to my pin i told her that since bluebird is the only card i have that would n't let me use the last XXXX of my social for my pin i had written it on the back of my card. The rep then encouraged me to file a claim on the transaction as i was crying trying to figure out what to do. I filed the claim with the rep and was send a declaration of fraud to complete. i completed it sent it back waited XXXX weeks calling and checking on the status of the claim on XXXX/XXXX/2016 a rep by the name of XXXX told me the money would be in my account on XXXX/XXXX/2016. When i woke up this morning i got XXXX emails from bluebird XXXX stating that the dispute was declined the other stating that my account was closed with funds in them. When i called to try and find a resolution i was given the cold shoulder and told that there decision was written in stone and final i tried and tried to explain with no success. When i asked them why they could not give me a reason as to why they decided to deny me and then close my account. When i asked for the account number they told me they could not provide it. I took out a payday loan to pay my bills because i was told i would be credited today but instead i woke up to a nightmare.
Diversified Consultants is trying to go after me for a debt that is not mine. I feel like I have been tricked into paying an account that is fraudulent. Therefore, I finally filed an Identity Theft affadavit to get this cleared up.
I have been trying to apply for a loan modification for 3 years now when my husband was injured at work and I was having trouble keeping up with the bills on my own. we 've had to send in same paperwork numerous times and either they do n't get it ( even though someone signs for it ) or something is always wrong with it. I hired a 3rd party company ( XXXX XXXX ) to try and help with Ocwen. It i going on year that I have been dealing with them and nothing seems to help. Same thing with them Ocwen either loses paperwork or they say they did not get even when someone signs for the delivery. Its always something. They tell me Ive been approved and send the papers I need to sign ( 6 times ). Every time I sign and send in something is wrong, either they did n't get or notary does n't acknowledge my signature which my name is not on the loan. The notary does n't even understand what they mean. I 've had to have the same paper notarized 6 time. Then they say everything went through and expect finalization papers and instead I get default letters. I have been making my payments as per agreement. They input my payment a late. I ask what the issue is an again they say something to do with paperwork. I try to make my next payment and they refuse it and send it back to me saying its not enough to reinstate. and threaten foreclosure. I think I get everything straightened out and back to default. It just keeps going round and round. And now I get a letter that my home is going into a sheriff sale on XXXX,2017. My home was never put into the foreclosure process. I get 1 letter saying that I am only {$2200.00} behind and next letter is {$4000.00}. Almost all of this is due to their negligence. How can they put my home in sheriff sale so soon and not go through the foreclosure process and with only the small amount owed. I have contacted the attorney general, the office of insurance and financing and my congressman and nothing or no one can seem to help with this company and their wrong doing. How can a company that has had so many billions of dollars in lawsuits for the same things be allowed to continue to do business. I do have an appointment with a lawyer tomorrow to see what my options are. There is more to my complaint but to much to list on here. can someone please help with this.
I paid the debt in full, was promised a receipt and update on my credit report. I never received a receipt other than a blank one and  my credit report verified it as accurate with the company, and it is showing I owe the full amount.
I am having trouble repaying my XXXX student loans for my account XXXX. Due to economic hardship I have asked for an Income-Driven Repayment Plan and received an offer of {$180.00} on XXXX XXXX 2016. However, Fed Loan Servicing on XXXX XXXX, 2016 sent me an invoice in the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00}. Please note that for me it is a stretch for me to pay the Income-Driven Repayment Plan and received an offer of {$180.00} but I am willing to do the sacrifice. However, it would be a financial burden to pay the amount asked for on the invoice sent by Fed Loan Servicing on XXXX XXXX, 2016 in the amount of {$1300.00}. Furthermore, reneging on the Income-Driven Repayment Plan offer of {$180.00} and asking me now to pay the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00} would be detrimental to me. By reneging Fedloan Services does not take into account the fact that I have no discretionary income to pay my student loans according to XXXX XXXX XXXX XXXX. I have asked for a minimum before but the provider has sent collections notices as well as threats of garnishment. Likewise, I have asked for XXXX as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.
Hello, I filled out an application for a personal loan on One Main. 
5 days ago. 
During the application process they advertise that checking the offers will not affect your credit. It was supposed to be a soft enquiry. Within a few minutes of applying I received a message from XXXX that a hard enquiry had been filed. Since then I have been calling their offices daily, they promise me a call back to resolve the issue. every day it is the same thing they never call me back. the person I spoke with on Thursday said when you click on the check offer you agree to the inquiry! Obviously I did as long as it was a soft inquiry which would not affect by credit, not a hard inquiry. 
In the attached document you will see that at the bottom of the page it says " this will not affect your credit score ''
Found a charge off on my credit report from Allied Interstate LLC. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
We have been receiving threatening phone calls from the Oracle Financial Group not for a debt we owe rather for failure to pass information on concerning a family member.
I am repaying my loan since 2014 on time all the time. I have a 6.125 % interest rate on the loan. Well the loan has not gone down in two years of making payments and I wanted to start paying extra amounts to be applied to the principal of the loan. Nelnet said that is not possible, they will take the extra amount, but they will apply it first to the interest and then to the principal. I seems to me that is an unfair practice since they will be making more money out of my loan.
I just turned XXXX and am headed to XXXX this summer. I received an email advertising credit cards for XXXX students who obviously do not have credit history. I filled out the application for a Citi Card after much deliberation and WAS PROMPTLY DENIED. They sent me a letter telling me that the reason I was denied ws because I did not have credit history! Exactly! So they lured me in and I gave them all my personal information and then they promptly rejected my application. As if that we not bad enough, they obviously sold my information to other companies because within a month, I have started receiving junk mail and solicitations for financial services and credit card applications FOR STUDENTS WITH NO CREDIT HISTORY. I am FURIOUS that Citi Bank is snookering kids like me and then making money off of our personal data. I wrote to them and asked them delete all my information from their data base and they refused, saying I had agreed to sharing all that information when I applied for their credit card for students WITH NO CREDIT HISTORY. Do not allow them to get away with this, please!
I was informed by Bank of America that I have qualified for a mortgage modification. I received the new mortgage as well as the new terms. However, two days ago I received my old mortgage statement as well as a bill to pay my old mortgage. As I understand, the new mortgage replaced the old mortgage. I now have XXXX mortgages.
I was offered a trial modification by my servicer - Carrington. I accepted the offer. The first payment was due in the month of XXXX. As a member of the XXXX XXXX XXXX XXXX, I received 30 day XXXX in the month of XXXX. None-the-less I called Carrington to make the XXXX trial modification payment over the phone. Carrington refused to take the payment over the phone but instead demanded that I send via XXXX XXXX. Because of my service I explained to Carrington that I would have limited access to XXXX XXXX and I faxed my XXXX. Carrington stood firm in their unreasonableness. I was able to get to a XXXX XXXX office on XXXX XXXX, but Carrington refused to accept the payment because they claimed it was late. My Authorized XXXX Party representative called Carrington on XXXX separate occasions - XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. The purpose of each call was to determine whether or not there was a scheduled foreclosure sale date. Each time the Authorized XXXX Party Representative was told there was not a foreclosure sale date. Carrington completed a foreclosure sale on XXXX XXXX, 2015. At the time of the foreclosure sale I remained out-of-town due to the XXXX mentioned above.
XXXX XXXX account status is showing on my credit as ''type '' is showing as Open this account is showing incorrect and needs to show closed. It was discharged in a CHXXXXBK as of XXXX/XXXX/16. The only thing showing correct is the balance, showing XXXX, but this is causing my credit score to be lower.
In XXXX I cosigned a loan from Wells Fargo for my wife 's college tuition. I was XXXX XXXX military and was given the 5.9 % rate guaranteed under the Soldiers and Sailors relief act. While on XXXX to XXXX, Wells Fargo put the interest rate at nearly 10 % without notifying my wife or I. The loan was on automatic payment and I only noticed the change while attempting to pay off the loan in XXXX. Wells Fargo has received full payment of the loan and I believe, wrongfully collected interest on the loan.
Bank of America is apparently retaliating against me for challenging their non-compliant predatory behavior by systematically denying disputes that they urged me to file. 

Just today they once again sided with the vendor over me and flooded me with 11 pages of mostly not filled in response forms from the vendor and are threatening to take about {$700.00} dollars of my money based on a few scrawled notes from the vendor the dispute was against. 

This vendor sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. 

This followed a series of complaints against BOA I have filed in a number of different venues for their documented non-compliance with applicable banking and trade practice rules, regulations, and laws.
they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information