WillisBack/dataset-financial-user-claim huggingface dataset:
I believe that I have been targeted by debt collection scam by a firm named XXXX purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " XXXX '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I XXXX the name XXXX and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.
I graduated from XXXX University in XXXX XX/XX/XXXX with over $ 50k in student loan debts. I started payments soon after and paid XXXX a total of {$8000.00} from savings and tax refunds over the next few months. Soon after learning I was not the only one that felt misguided by XXXX 's misleading students into financial debt lawsuit, I decided to answer the voicemails on student debt help in XX/XX/XXXX. The program I had called assisted former students with " applying for loan forgiveness program '' in where I could qualify for some if not all of my student loan debt. Of course, I only qualified for a portion of that amount and it was explained to me that after 20 years, the loan would be completely forgiven. This was a program Obama had approved to assist former students like me at the time. I was charged {$500.00} for this application, in which seemed okay at the time because they were helping me with " over $ 30k of the loan amount forgiven ''. I was told I was not to worry about making monthly payments until the time came when the loan was forgiven. At that time hearing these great news it did not seem like it was too good to be true because I was very relieved I qualified for such help. After the application date, I paid {$0.00} to this new loan which I then learned it was a simple loan consolidation that did in fact lower my full debt of the future accrued interest I would have owed. The way they spoke to me said nothing of this matter. I work in the XXXX XXXX, I know a loan when I see one. But the way the representatives spoke to me seemed more of a grant and an actual forgiveness program because I was one of the many affected by XXXX 's misleading students. Months after I was receiving several statements and I noticed an increasingly interest on the new loan of now $ XXXX, I decided to contact the program. I was again reassured not to worry, my monthly payments were of {$0.00} and the loan would fade over time after the 320 months had passed. I was relieved to know I was not scammed and it was in fact all true, my loans would be forgiven and taken care of. Later XX/XX/XXXX more notices came about updating my income on their site, I called again only to find out I was in an income-driven program after all, and it depended on my income on how much my monthly payment could be. After updating my income information and going through the income-driven plan, I was notified my monthly payments went from {$0.00} to $ XXXX/month. I was very confused at this point because I was re-affirmed twice that I qualified for the loan forgiveness program where my loan would be paid off. I am now over {$63000.00} in debt because of the accrued interest from the full year and a half no payments were being made. I feel defeated, and embarrassed to let all this debt carry on into even greater amount when I thought I had received helped from the government or whatever program that helped reduce student debt. Everything I was told was to comfort me at the beginning and fall into another loan debt with a different company who will now be gaining from my interest and there is nothing I can do about it now.
Back in XX/XX/XXXX, I started applying for modifications due to the fact that I lost employment. My mortgage company was IndyMac Bank d/b/a XXXX. There were several programs that were being developed due to the economy. I had completed several modification trial periods with the XXXX XXXX. After every trial period, the bank would literally send me correspondence stating the house was in foreclosure with a sale date. I would contact XXXX to figure out what was going on. They had me to do the modification process over and over again. Finally, my house was foreclosed on in XX/XX/XXXX. I had been contacting XXXX and XXXX regarding my loan for a good while and XXXX has an extensive phone log on me. I was put out of my house in XX/XX/XXXX by the XXXX. Before then I had contacted the Bank and they stated to me that there was no sale date on my account. These phone calls were made in XX/XX/XXXX and XX/XX/XXXX. I received the paperwork from the courts in XX/XX/XXXX. After being put out of the house, I started receiving paperwork from Ocwen Bank regarding a modification on the house. I contacted them and explained to them that the house was no longer in my name, It had foreclosed and I had gotten put out. They explained to me that they received this loan from XXXX XXXX and the house did not foreclose. I told them that I had not lived at the property in over a year. The paperwork kept coming regarding the loan. I contacted XXXX in XX/XX/XXXX. I spoke with a supervisor and she explained to me that the foreclosure was rescinded. She stated that XXXX XXXX contacted them and stated that they needed to investigate the situation because something was wrong. I was never informed about them rescinding the foreclosure. She apologized to me and stated that " we '' messed up and that the house was still my property and I could move back in if I wanted to. XXXX stated that I was in bankruptcy when they foreclosed so they had to rescind the foreclosure. If that is the case, they foreclosed on my property in XX/XX/XXXX not XX/XX/XXXX. The paperwork that was filed with the courts is fraudulent. They have since changed mortgage company again. It went from XXXX XXXX to Ocwen Bank now to XXXX XXXX. XXXX has since contacted me regarding a modification but the house is back into foreclosure again. Due to the fact that I was not in the property for a year. Ocwen Bank and XXXX XXXX has both stated that they did not know anything about the foreclosure. I do believe that XXXX has lured me back into the property to foreclose on me again. Once I moved back in the property, everything was taken out of the property. All the appliances were gone. I contacted XXXX and Ocwen Bank. They both were blaming each other but neither of them would replace the appliances. But they both are coming after me regarding payments and bringing the loan current. Now, XXXX is harassing me for all the past due regarding this property and the property is now in foreclosure status. Something has to be done regarding all this illegal transactions being done.
Consumer Financial Protection Bureau, I mailed a letter on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX, Transunion, and XXXX requesting to correctly report the balance amount on my account based on the copy of the letter sent to my by XXXX XXXX XXXX in XXXX and XXXX XXXX. I received a letter from all four companies in XXXX XXXX that the account balance amount is correct and will not be changed. 
Thank you. 
Concerned Customer
I attended South University XXXX Campus in XXXX where I was approved for XXXX XXXX and sub and unsub loans for South University ; as well as out of pocket expense for tuition. I was set up for a payment plan for my out of pocket expense that would be debited out of my checking account which i had to pay monthly. I tried to get the payments as low as possible being that I am a single mother with a child and i did not have a good paying job to make such big payments, the lowest that they could make my payments were XXXX which was still a bit much for me being that i was only making XXXX/hr working less than XXXX hours a week. In the year of XXXX my child was diagnosed with a XXXX and was deemed XXXX and that was a life changing event in my life that was very challenging to make sure i could find all the resources to help my child with his XXXX. i tried my bbest to make sure i was able to attend school but it was hard with all that was going on with my child which cause me to miss out on my education and had to withdraw from my classes. In the XX/XX/XXXX my father had a XXXX and i had to fly to XXXX to take care of him being I am the only child that my father has. I noticed the school of this matter being that it was the week of exams and that i needed to drop out of my classes. After my father was getting back to good health I tried to registered back to South University with all these life changing events, The Dean of South University stated that I would need to submit documentation in regards to this matter because South University was going to dismiss me from the school. I put in an appeal and provided all the required documentation that was asked from me and The Dean of South University denied my reentry back into the school and stated that I could put in another appeal in a year to see if the school to accept me back in. I was left with a balance of XXXX and the school was paid with my loans and XXXX the whole time i attended the school. I am unable to attend any school without being able to provide my official transcripts and it has been hard for my to further my education. I 'm unable to further my success with being in school or to get a better job without a degree. I feel that the whole situation is unfair because i provided what i needed to get back in school and I had valid documentation but still was denied my success to further my education plus left with a balance that i should not have to pay being that I was dismissed from the school and the school was paid by The Department of Education. Can you please assist me with this concern to help me further my education to get back in school?
I wanted to get my free credit reports online, from the XXXX credit reporting agencies, using the website XXXX There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.
I have some disputes that I am trying to review and Equifax once again has pulled down their dispute website page : It is happening quite frequently. If they are unable to give us reports and correct info then they certainly should not be sharing our credit information with anyone else. You can not reach them by phone either. Right now Consumers have no control to keep their credit score in tack. Scary enough what they have done and now they are stopping us form submitting on line disputes, this service is always temporarily down for service? It 's not okay! 

Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute.
I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. 
I also know that calling times can not be earlier than XXXX.
I am a victim of identity theft. I am XXXX and my mother used my social security number to get home loans, new cars, credit cards, business loans and WHATEVER she could get. She stole my identity to pay her bills and HAVE nice cars CLOTHING home ECT.
Victimized by predatory lending when purchased used car. My credit score was not even that low to merit a sub prime lender. The lender immediately started imputing fees and I got further and further behind. They called 10-20 times a day, seven days a week and when I asked them to stop but rather put it in writing they said I had a cease and desist order, of which I never did. They said I missed two payments ( $ XXXX/mo ) in the life of the loan and on XX/XX/XXXX they repossessed my car. I purchased the car XX/XX/XXXX for {$12000.00} and to date have paid more than {$10000.00}. According to the lender, because of the " simple interest loan '' and my outrageous APR ( 25 % ) I still owe them {$11000.00} and now my credit is ruined and I have no car. HELP PLEASE!
1. Received a letter from Bank of America dated XX/XX/XXXX to do a short sale. They allowed 15 days ( until XX/XX/XXXX ) to submit appropriate documents. 
2. But our file was forwarded to foreclosure attorney ( XXXX ) on XX/XX/XXXX. Received a letter from XXXX dated XX/XX/XXXX. 
3. Spoke with XXXX of B of A on XX/XX/XXXX about reinstatement calculation. She stated a payment of {$26000.00} need to be received by XX/XX/XXXX in order to avoid fees. 
4. Payment of {$26000.00} was sent and received by B of A on XX/XX/XXXX. 
After making the reinstatement payment, I noticed following charges on my XX/XX/XXXX statement : 5. On XX/XX/XXXX, I was charged with attorney/trustee fee of {$420.00}. 
6. On XX/XX/XXXX, I was charged with title fee of {$740.00}. 
7. On XX/XX/XXXX, I was charged with recording fee of {$24.00}. 
8. On XX/XX/XXXX, spoke with XXXX of B of A disputing above charges. She said to write a complaint letter and fax to XXXX. 
9. On XX/XX/XXXX, I sent a fax to B of A disputing above charges and requested copy of invoice. 
10. Received a letter dated XX/XX/XXXX from B of A indicating they have initiated a loan modification process instead of responding to my complaint. 
I noticed following charges on my XX/XX/XXXX statement : 11. On XX/XX/XXXX, I was charged with another attorney/trustee fee of {$780.00} 12. On XX/XX/XXXX, I was charged with mailing fee of {$38.00} 13. Received another appraisal report from B of A dated XX/XX/XXXX for loan modification which I did not request.
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
This debt recovery business contacted 2 relatives ( embarrassing/humiliating ) and left a message for me on the very same day. I do think the individual said her name was Mrs XXXX (? ). Phone : XXXX ext. XXXX Left message for my sister in laws. Totally embarrassing.
Froze credit report for Experian around the time XXXX  was shamefully hacked ( 2017 ). Now I have to lift a security freeze I set with them, but they deactivated my account and I am unable to lift the freeze within the time frame I have right now. 

This will cost me money that is critically important to me at the moment.
I have submitted letters on the following dates to XXXX, Experian and XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )
Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX  account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.
I logged into my PNC mobile banking account yesterday ( X/XX/17 ) around XXXX to see if my insurance payment was submitted. The payment was submitted and my account became overdrawn by {$170.00}. I contacted PNC bank customer service line at XXXX because I wanted additional information regarding their overdraft policy as well as their return policy when funds are not available. At the time of the call, the rep informed me that as long as I make a deposit before XXXX XXXX time, I will not receive an overdraft fee. The rep stated if a payment was not received by XXXX, then a fee would be added to the account, she also stated that if the fee plus the overdraft amount was not paid by end of day X/XX/17 then the payment would be returned to the vendor unpaid. I worked to make the payment and unfortunately I was not able to transfer or deposit any money into the account prior to XXXX. At XXXX a electronic transfer was made to my account in the amount of {$99.00}, at XXXX XXXX a second amount was electronically transferred to my account in the amount of {$74.00}. The account remained overdrawn {$2.00}. I attempted to transfer {$3.00} at XXXX but the transition was failed and rejected, which did not allow the payment to be processed until today. PNC policies states an overdraft fee will not be applied to balances under {$5.00}, my balance was $ -XXXX Today I contacted PNC for a fee removal and I was informed that the transfers I made on X/XX/17 were not applied until today ( X/XX/17 ) therefore my account is eligible for an overdraft and the fee can not be removed. PNC reps provided false information on their overdraft policy and PNC would not provide customer courtesy and remove the fee. I have included information on the complaint I filed within PNC and the reference number is XXXX. I have attached documents supported when the transfers were made.
On XX/XX/2016 I registered and initiated a money transfer operation with a company called Remitly, Inc. During the process I told them I was stationed overseas. To confirm my identity they told me in a telephone conversation with their risk management staff member that I must provide them a copy of my military ID. I am currently XXXX. 

I informed Remitly that copy of a military ID is a criminal offense under Title 18, U.S. Code, Part I, Chapter 33, Section 701 and are punishable by fine and/or imprisonment. Remitly 's response is that Know Your Customer trumps federal criminal statutes. They refuse to process my transaction unless I provide them a copy of my military ID. 

Remitly is requiring the commission of a felony in their business practices. They need to be shut down.
Heartland ESCI has been overcharging me for my monthly student loan payments, stating on my account that I 've been paying less. Thankfully this is a small loan, so my payments are n't much. But others with larger loans could be overcharged as well. My bank statements show I 've been paying them {$35.00} each month from XX/XX/XXXX untilXX/XX/XXXX, but Heartland 's website reports I 've been paying {$33.00} for statements of {$34.00} during this timeframe. They reported me as past due for an amount of {$1.00}. If I 've been paying {$35.00}, {$1.00} higher than the statement amount for a couple of months I should not be past due {$1.00}. If I continue paying {$35.00} every month for ten years I would be paying them {$120.00} more, and for what? The servicing fee is included in the {$34.00}. Something is off with this company.
I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled. 

Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later.
For several years I 've been denied any loans on the grounds that my credit report and score can not be pulled. Finally I decided to find and fix it. Spent endless hours with all credit bureaus, found out that I was noted as deceased in TransUnion, mailed them a copy of SSN. Called Social Security, they found no problems there. Now Transunion claims their file is correct, so does everyone else, but now one can give me the report. Not for free not for a fee. PLease HELP
My identity was stolen and the person who stole my identity was using my identity to get apartments and also try to get a loan in my name I was aware of the situation once an apartment complex said I owed them money for an apartment Ive never stayed in! I own a house as of XX/XX/XXXX. I have no reason to try to get an apartment! Its listed in my XXXX XXXX and XXXX  also as me trying to get an apartmentXX/XX/XXXX! I would like for all these inquiries to please be remove since it wasnt me who made these inquiries! I will attach driver license and police reports.