WillisBack/dataset-financial-user-claim huggingface dataset:
I have been harassed by the collection company called Pressler & Pressler. I am a retired and XXXX person whos only income comes from my XXXX XXXX XXXX and XXXX XXXX XXXX. My checks were not direct deposited, therefore my bank allowed my account to try to be levied by Pressler and Pressler in XXXX XXXX. Funds were frozen, but I provided documentation as proof of my income and the levy was lifted. My funds were returned and notes were taken so this matter would not surface again. Since then, and as of today XXXX/XXXX/XXXX I have been receiving phone calls from Pressler and Pressler asking if I can make monthly payments. I explained to them that my income is exempt and that I am on a fixed budget at the moment. I also offered to settle both accounts ( I have two with them ) and offered an amount, which they did not accept. I am a XXXX person and these calls are disrupting me. I would like for Pressler and Pressler to cease and desist. I need them to stop calling my house. Any help in this matter will be greatly appreciated.
AARGON Agency , Inc will not reach out to research this account not consider any of my documents from an ID theft I experienced while living in a XXXX XX/XX/XXXX. I have sent them my insurance card for services rendered in XXXX XXXX and a police report for the ID theft on the XXXX XXXX services while living at the shelter that is also attached to the dispute on my credit report - AARGON said they will NOT look at those documents ... It is real frustrating how these collection agencies can easily attach an unconfirmed account, especially since the new debt collection laws have taken place in the state of NEVADA. Please help me in the matter, I feel XXXX three times over and have the documents to prove that I do not owe this debt to XXXX. I have also sent these same documents to XXXX XXXX XXXX today ( XXXX/XXXX/XXXX ) to the attention of XXXX - whom is the PT Accounts Services Manager. Research and review of these documents you will notice that my name is partially my maiden name and married name ( XXXX ) on my supporting documents.
I have been getting repeated calls from a company call XXXX or XXXX. The say that I have made an agreement with their company and that something has happened to where I need to resolve it. I have never dealt with this company before. I did use payday loans in 2012 and I have paid those debts off so I know that I do n't have a debt with these people. I have researched the phone numbers used for them ( they call from a Delaware number but leave a different number to call back ) and have found they call other people claiming the same thing and others have found it to be a scam. They also recently contacted my mother to get some information and I am not a minor, so I know that it was wrong/illegal for them to do that. ( I was not a minor when I incurred any of my debts either. ) I do n't answer when they call because I do not answer numbers I do n't recognize but they do leave me voice-mail messages. I get several calls in a week and it is a problem because I do n't owe any debts other than ones on my credit report. I am feeling harassed by these people and it needs to stop. [ The number they call from is XXXX and the number left for a return call is XXXX. ) I have fallen victim before and I just want others to know not to take everything at face value.
On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX  XXXX  XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter Trans Union and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX  continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX XXXX website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with Trans Union and XXXX  and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XXXX XXXX and a balance of XXXX should be reflected on all three credit reports?
I was contacted by Conns on XX/XX/2016 to make a payment, they wanted to set up a payment to come out of my checking account on Thursday, XX/XX/XXXX, I told them I could not set up an automatic payment for that day, I had to see what I had in my account and then I would call them, he then said he could put on Sunday, XX/XX/XXXX, and I agreed to this for a payment in the amount of {$130.00} for that date. On Friday, XX/XX/XXXX, I logged in to my bank account and seen that Conns took the money in the amount of {$130.00} out, this was not agreed on, on the phone call the guy would say on Friday, I corrected him twice. 
When I called Conns on XX/XX/XXXX, to complain that they took the money out 2 days early and that it caused an over draft on my bank account. ( XXXX @ {$29.00} = {$87.00} ) they told me that a supervisor would have to review the phone call and someone would call me back that day, no one called, so I called them back that evening, they told me the same, someone would have to review the phone call recording and get back to me, but I never got a call from them, so on XX/XX/XXXX, I called them again, this time they told me they needed 72 hours, or 3 business days, which means it would be Tuesday before someone would take care of this, in the meanwhile what little money I did have, I can not access because my account is in the negative for them taking out the money before the agreed upon date. 
They were supposed to take out the payment on XXXX/XXXX/2016 of {$130.00} then, instead they took the payment 2 days earlier on a date that I did not agree on, they said they would have to review the phone call and then they would let me know, they said someone would call me on the XX/XX/XXXX, I did not get a call from them, so I called them and they said the same thing, that someone would call me. I called them back on XX/XX/XXXX, now they said they need 72 hours to review it.
I AM ATTEMPTING TO PAY OFF MY MORTGAGE - LOAN NUMBER XXXX - XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX. WE NEED TO LOCATE THE MORTGAGE SO WE CAN ACQUIRE THE EXACT PAYOFF AMOUNT SO WE DO NOT MAKE ANY MISTAKES AND THAT THE MORTGAGE IS PROPERLY CANCELED. THE XXXX XXXX XXXX XXXX WILL HAVE ALL NECESSARY INFORMATION REGARDING THIS PARTICULAR LOAN THAT WE NEED - THE XXXX TRUST, THE REPURCHASE DATE AS PER INVESTOR REQUEST, THE CURRENT LOCATION AND ANY DOCUMENTS OR INFORMATION SURROUNDING THE REPURCHASE AND TRANSFER WHICH TOOK PLACE. WE HAVE ATTEMPTED SEVERAL TIMES TO GATHER THIS INFORMATION DIRECTLY FROM XXXX XXXX HOWEVER THE SERVICE HAS BEEN FRAGMENTED SO WE HAVE HAD TO RESORT TO USING THE CFPB IN ORDER TO DOCUMENT THIS IMPORTANT REQUEST FOR INFORMATION AND DOCUMENTS REGARDING OUR MORTGAGE REPURCHASE.
I have written several letters to Transunion about hard inquiries on my credit report that I didnt make and they are still there I have over 60 hard inquiries on my credit report that need to be remove in they have not been move yet
On today XX/XX/XXXX around XXXX XXXX I was contacted by Amsher a collection agency on behalf of XXXX XXXX XXXX. I was told by their CS Represenative that they were trying to collect a debt for XXXX XXXX XXXX for over {$200.00}. I told her that this was not possible since I had been to the XXXX XXXX XXXX in XXXX and they said nothing about my having a past due amount. I also let them know that I use XXXX XXXX and keep up with my credit and only had one derogatory remark on my credit, and it was not from them. I let her know that I would contact XXXX myself to find out what was going on. When I finally got someone in the billing department on the line she told me that XXXX had been sending out past due notices from XX/XX/XXXX through XX/XX/XXXX. I told her that I have not received any past due notices from them and that anything from XXXX had already been paid through Amsher in XXXX. I asked her what address they had on file for me and she told me that they had my old address that I had not lived at in over a year. I explained to her that even as late as XX/XX/XXXX, that I had to update my information with them since my insurance had changed as well. I also explained that I had been to XXXX a couple of times since my move in XX/XX/XXXX and not once had they said anything to me about an outstanding balance. Now I have a new derogatory on my credit. She said that they had been mailing me notices to my old address and pretty much told me that it was my fault for not changing my address with them. Not only did I change my contact and insurance information with them, but also did an address change with the post office XX/XX/XXXX. I receive all of my other mail from the old address no problem. She could not tell me why I had not been informed when I went to XXXX in person that I had a past due balance. They show that I owe balances from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at not one of these visits has anyone said anything to me about past due balances. I have the same cell phone number that I have had since XXXX, if Amsher had the phone number to contact me then why hasn't XXXX XXXX XXXX contacted me on the same phone number.
A few months ago I had a problem with XXXX XXXX XXXX XXXX reporting me delinquent. As a result my credit score went down. After I went through months and months of disputing XXXX XXXX XXXX XXXX removed the delinquency and the Credit Bureaus never re scored my credit it continue to stay low. Nothing had changed. Later I was hit with a XXXX 90 day by XXXX XXXX XXXX which was not accurate because I had paid insurance on the credit card that would pay for up to XXXX payments a year. XXXX XXXX XXXX severs ties with the insurance company and this year the insurance company makes a payment on my credit card and XXXX XXXX XXXX reports me for a missed payment when there was a payment made. I have reached out to each of the credit bureaus ever try to help rectify this issue.
In XX/XX/XXXX I created a dispute through Equifax and XXXX  in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my Equifax report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my Equifax and XXXX report due to the error and lack of validity and errors when Equifaxand XXXX investigated it.
I was called by this company and they said there was an insurance fee of {$500.00} to {$750.00} that had to be paid in order for me to get a {$5000.00} loan. They asked for banking info to verify account ( which I have done with other companies, very common ) and the next day they deposited a {$750.00} check into my account ; the bank held the money ) when they called back the next day for me to pay out the {$750.00} I was unable to because the bank had it on hold as possible fraud. So they said that I " ran away '' with their company 's money when in reality, it was all fraud to begin with. The check came back as written from a fraudulent account and now I am negative {$1000.00} with my bank account due to fees and problems they have caused me. I want them to pay the money they cost me.
I received a home loan modification and made my payments on time. My modification was officially approved and I just received a phone call from Bank of America yesterday letting me know that my modification was approved. The late payments are erroneous. This is also an FHA loan. 

Now I am not able to get a new mortgage loan because of late payments on my record.
In  XXXX   XXXX , I got behind on my credit card with  XXXX   XXXX   XXXX   XXXX   XXXX  due to having a baby and being on unpaid maternity leave. I could n't catch up and pay the minimum amount due so I ignored it for a while. About a year later, a debt consolidation company  ( CFS2 ) co ntacted me on  XXXX   XXXX  's behalf in order to consolidate. I worked out a deal where I would pay back half of the debt over a course of a year which amounted to about {$2400.00} and the other half would be reported on a  XXXX  Cancellation of Debt which I filed on my taxes for the year  XXXX . Since then, I keep having call after call from a different company/firm trying to collect on this same debt. I tell them that I have fulfilled the debt through a debt consolidation company and they say thank you and we will take care of it. Then a month or two later, I get another call from another company with the same story. So I tell them again what I did and they leave me alone. I have seen where they are going so far as to call my brother in another state and my in laws trying to find me. This is utterly ridiculous and I need help! Any help you can provide would be fantastic.
I had an account with XXXX XXXX. After the account was cancelled, the company did not take their garbage cans. I called one time and spoke to a rep that informed me that I had a balance of ~ {$10.00}. I paid the amount and never heard from XXXX XXXX again. Months later I started receiving letters from collection agencies. When I received the first letter that stated I owed {$110.00}, I called XXXX XXXX. They said I owed for keeping their cans. I scheduled their can pick up for XX/XX/XXXX. I have a letter sent to the XXXX from XXXX XXXX stating that they removed the {$110.00} from my account on XX/XX/XXXX and notified the collection agency. Problem is that in XX/XX/XXXX, I am still receiving regular letters from AmerAssist and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have sent notification to both that I have zero owed to XXXX XXXX, but the letters keep coming. It bothers me that XXXX XXXX did not contact me to retrieve their cans before sending this to collections and starting this never ending letter sending campaign. I'm sensing that AmerAssist is a sister company to XXXX XXXX and that this feels fraudulent in practice instead of negligent because I have communicated in writing that I don't owe XXXX  XXXX.
They did not remove the debt against home after it was discharged in bankruptcy for Chapter XXXX over 2 years ago. Have sent letter asking to vacate the credit card debt lien from home.
I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too.
Over the past 3 years i have been charged over 12000 dollars in XXXX fees due to over drafts and other fees by chase bank. I am not rich I love paycheck to paycheck and got myself caught up in the loop of having to pay these fees to stay afloat. I have been refunded max set by bank of 100 dollars a year I believe I have beendubted into having to do this and feel hurt by them.
Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in XXXX. The mortgage was completely paid off in the sale however at some point XXXX XXXX noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan. I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the XXXX XXXX responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the XXXX acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the XXXX XXXX representative XXXX XXXX ( Executive Resolution Specialist ) referenced the WRONG loan number. When I spoke with XXXX the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from XXXX XXXX, XXXX in which XXXX referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet. 2 weeks ago I physically went into a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) where I spoke with XXXX XXXX and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR XXXX XXXX LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by XXXX XXXX
This complaint is regarding a debt of which I XXXX XXXX advised the company PRA Portfolio Recovery Associates LLC. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave PRA permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from PRA.. In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving PRA permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that PRA " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by PRA prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
I have recieved approximately 10 calls from a company called Navient over the past month from several different numbers. The most recent, an XXXX number, but others were from Texas area codes XXXX and XXXX. Another came from an XXXX number. Each time, the individual states that they are from Navient in regards to student loans and will ask to speak to an XXXX XXXX. I then inform them that I have no idea who XXXX is or and that they must have the wrong number. I am then apologized to and informed that it must be a mistake and they will remove my number from whatever list of information they have. A few days will go by, sometimes longer, sometimes the very next day, and the process will repeat. 

I'm puzzled as to how they believe I'm connected with this lady as I don't even know who she is. I looked for a way to contact the company to report the issue to an individual other than those in the call center, but without having a loan through them myself, I can only get to the automated answering machine.
We filed bankruptcy in 2010. We live in the effected area where Hurricane Harvey hit and flooded our neighborhood. We have our mortgage with Well 's Fargo Home Mortgage. We have been passed around so many times that I do n't have any names to give you on who said what. We decided to relocate and are in the process with an SBA loan. Our home owner 's insurance on the current flooded home, did not cover flooding, but did roof. We had hail damage and the roof leaked during Harvey, causing mold to grow on the ceiling. XXXX XXXX, home owner 's insurance, only paid {$6100.00} to fix the roof. This check was made out to us and Well 's Fargo. We followed their steps to send the check to them. We faxed them a letter, per Well 's Fargo, stating that we needed to know in writing if they were going to apply the monies to our outstanding balance or use it to fix the house. That was 2 weeks ago. We have heard nothing from them. All we need is a letter stating their intention towards the monies and they will not let us know. My husband called them last week and ended up in an argument with the person he spoke with.