WillisBack/dataset-financial-user-claim huggingface dataset:
My sister and me bought the house in XXXX in XXXX House ; XXXX, California under the XXXX XXXX XXXX XXXX. Unfortunately after paying all the bills up to XXXX XXXX, XXXX and after this we decided to foreclose the house due to financial problem. After the house was foreclosed the XXXX XXXX XXXX took over the house, which after this we do n't know what happened? We did n't receive any letter/notice from XXXX XXXX XXXX XXXX. 
We thought that we do n't owe any payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until I received the summons notice from Credit Bureau Associates. The address of the Credit Bureau Associates is XXXX XXXX XXXX in XXXX of XXXX, California XXXX. Their telephone number XXXX. The summon notice which I received was in year XXXX stating the amount of {$7500.00} which they want me to pay. Of course I do n't want to pay this amount so I went to the court in XXXX in XXXX, California but unluckily I loss the case. When I go over all the paper works from the Credit Bureau Associates and XXXX XXXX XXXX XXXX I found out that they did n't not send me any bill to the address where I am living since XXXX up to the present. If the XXXX XXXX XXXX XXXX send me a bill using my real address where I am living for almost 34 years ( my only address ) I would have take care of it but since they did n't send me the bill thus it went to debt collector agency XXXX Credit Bureau Associates XXXX year XXXX. 
That is why I am disputing it cause for me its not my fault but their fault of not even sending me a bill, first bill since we foreclose the house. I was just shocked when the Credit Bureau Associates summon notice.
Oops, sorry my initial complaint two weeks ago was with the wrong company- below is the correct company. 

Global Credit & Collection Corp Debt collection keeps calling my job and I have instructed them do not contact me at my place of employment. My job strictly prohibits scammers, debt collectors, or other third party entities. They have also, utilized a new tactic by calling and hanging-up, I consider this to be harassment. 

Currently, I'm working to resolve my debt with XXXX XXXX.
The issue started over 15 years ago when Sallie-Mae split up and sold off my FSSL to 4 or 5 other lenders. I was sent statements by one lender, and thought I had paid all of my debt within 5 years. Two years after I thought my debt was paid, I was contacted by yet another lender ( so long ago, I don't remember who now ), stating I was going into default on my student loans. I began paying that company and ran into financial hardship. I was told the only way out was to request a forbearance. They kept me in forbearance for a couple of years. Then I lost contact with them, and for 10 years had no idea who was servicing my loans. Eventually, Navient wound up with my loans. When they demanded over {$400.00} a month for loan payments, I advised them there was no way I could make that kind of payment. They, too, said the only thing I could do to avoid default was to continually file for a forbearance. I was never offered any lower payment plan, was given no information on how to negotiate a lower payment. Out of total frustration and lack of communication on their part, and although I know it was the wrong thing to do, I simply quit making payments and taking out forbearances. My loan went into default earlier this year and they advised me they could not help me anymore, stating I needed to contact XXXX XXXX XXXX ( XXXX ), which I did. My last contact with Navient a year ago showed I owed a little under {$25000.00} on my student loans. Once I contacted XXXX, I was told my debt was now {$44000.00}, with no explanation as to where the extra {$20000.00} came from. At the time, I was not made aware that XXXX was a subsidiary of Navient. I entered into a contract with XXXX to get my loan into rehabilitation. I was told by an agent that my loan would be reported to the credit agencies on XX/XX/XXXX of this year if I didn't make payment arrangements through them. I was also told that if I entered into the payment arrangement prior to XX/XX/XXXX, and kept current on my payments, the default would not be reported. I have made two qualifying payments as required by XXXX, but this week I received a letter from XXXX XXXX XXXX XXXX, stating that I have failed to enter into a repayment plan, and the default has been reported to the credit bureaus. I have been attempting to contact XXXX for 4 days now and can not get through. I have left multiple voicemails, literally begging them to return my call, but to no avail. I am not disputing the original loan amount, nor am I disputing that I owe the debt. I am disputing the practices of the companies involved. I feel this debt could have been paid off in full had I been given the proper information.
I disputed the following account historical information with Equifax : XXXX XXXX XXXX account number XXXX and was told XXXX that this historical information has been deleted for this account. Please see attached XXXX communications from Equifax. 
I ordered a credit report today and the historical information for this account remains. 
Please permanently delete this information or account as promised XXXX already.
Wells Fargo is charging me 24 % on my credit card unpaid balance for no logical, justified or apparent reason
In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX 
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XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
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XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
<P/> XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
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All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
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My loan is up to date with XXXX XXXX and has been paid on time every month.
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The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
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There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.
I sent a money transfer for {$1000.00} through Western Union to an XXXX XXXX on XX/XX/XXXX. He got the money, then never sent the puppy I had purchased. He left it with XXXX on XX/XX/XXXX. I then found out I had to pay {$1400.00} for insurance and when I entered the amount they said they could n't process it and I needed to send another Western Union Money transfer. I then started having fraudulent charges appear on my cc. I have emailed and phoned the XXXX XXXX XXXX people and they do not reply. The puppy owner would not respond to calls or emails the entire day the puppy was supposed to fly out. They also never informed me they were using this service or the additional fees this service required as on their website www.riversidenewfies.com they state they take care of shipping. After much digging I found out on XX/XX/XXXX that XXXX XXXX is not the persons full name. It is XXXX XXXX XXXX. However Western Union knowingly let this person receive funds. I have contaced XXXX XXXX to file a report on XX/XX/XXXX. The transaction number for sending the money to Western Union is XXXX however they have the date of the order as XX/XX/XXXX with no actual end number for the year and obviously two months out. So technically this order has n't happened I guess. The report number of the report I filed with Western Union is XXXX. However they do n't have the full name of the person they allowed to collect the money, so they should n't have released the money at all. I used my credit card to make the money transfer and within one day I have had 5 fraudulent charges on my credit card that I am trying to resolve. As of now neither the puppy owner nor the airline company will return any phone calls or emails.
On XXXX XXXX 2016 XXXX placed a hard inquiry on my XXXX  Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts. On XXXX XXXX, 2016 XXXX placed a hard inquiry on my XXXX Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts.
after repeated attempts to contact collection company they finally called back. when I requested documentation showing this is a real and valid debt. they refused to provide it and said i had to chase it down. They are legally required to provide proof showing exactly what they are collecting for and when debts were incurred. I then told them to not call me back unless they can provide documented proof this is a real and valid debt and not some kind of scam. this XXXX XXXX then proceeded to tell me that she can call continue to call me everyday until i pay. she also told me she is going to report this on my credit report unless i pay within XXXX day. this is all without providing any proof i owe the debt. About XXXX weeks later i received another call from a XXXX who claims i never made the statement about only calling if they can provide the documents. she also tried getting me to pay without proof. i informed her that she can not contact me without proof and if they continue to harrass me i will contact a lawyer about these tactics. they were pushy and rude and i feel this is a scam to trick me out of my money.
I suddenly discovered that Bank of America had closed out one of my credit card accounts after I had fully paid it off and the other XXXX credit cards the credit limit was reduced to the outstanding balance I still owed without my permission or knowledge and for no good cause. I 've had those accounts for several years and kept a loyal relationship with BOA and slowly worked my way up. Since I was not properly informed by BOA my credit card was closed out, I received a late fee charge on a bill I paid and the payment was rejected and had to pay the full outstanding amount in order to restore my service for a total of {$560.00}. I would like BOA to reimburse me and to re-open my my credit card and restore the line of credit I had achieved on all my BOA credit cards. Closing out my account and reducing my line of credit will affect my credit score and has affected me personally. I also filed an internal complaint with BOA on XXXX XXXX & XXXX, 2016.
we purchased a home XX/XX/XXXX and was told by 5th3rd Bank officer, once we secured our loan, to let our other home go in to short sale. He said this wont hurt your credit because they are offering federal forgiveness, and it will be fine. Being this came from the bank, we felt pretty good about it and did just that. Now, XX/XX/XXXX we are trying to get a equity line from our current home and 5th3rd stated we do n't qualify because of our credit and due to the short sale. After going round and round with them, their final result was, we cant help you out right now, try back in a couple years. This short sale we were told was ok, has put a damper on our credit and score over the past couple years and it was all due to 5th3rd 's employee assuring us it is ok. My wife and I originally were going to lease the house out until we could sale it for cost. 
I would not recommend doing any banking with 5th3rd at all. everything they have told us has done more harm than anything, and we will be paying for it for several more years..
credit card was with initally with washington mutual, paid off on time according to terms stipulated. I received correspondence that Chase would be taking over washington mutual but that my account would not be affected. However, when the change went into effect, Chase starting calling me about the credit card payments, having no records of any payments made. When given confirmation number of last payment, they would agree that it was paid off. This went on for several months. Upon viewing my credit report, it now appears as a negative item.
My name is XXXX XXXX. I have a bank account with JP Morgan Chase bank N.A . I recently submitted XXXX 3-party checks with the allowance of the owner 's of the checks. I was told by Chase bank that I need to get authorization by these XXXX persons either by visiting them the branch or sending authorization letters notarized by US Embassy to one of Chase branch. I got the letters notarized and shipped to Chase bank branch. I spent XXXX usd to get letters notarized and another XXXX to get letters delivered to Chase branch. Otherwise, Chase would close my account and send a check to my mailing address. So I spent XXXX usd just to keep my account at Chase bank. Letters were delivered in 3 days, they have reviewed them and re-activated my account. 
Meantime, when I logged in into account I saw that Chase debited from my account XXXX usd that I tried to withdraw but ATM did not give me funds because the account and the card was restricted at that time. However, Chase was debiting me like ATM did give me cash. So I had to file a claim to get that money back to me. It was filed on XXXX XXXX and on XXXX XXXX Chase provided temporary credit of XXXX usd. I ran out of money and I need some funds, I had to withdraw XXXX usd again. The ATM again did not allow me to do so and when I called to Chase to ask the reason, I am being told that they are closing my account!!!! They are closing my account. All actions I have done, all money I spent was for nothing! They are anyway closing account. 
I did all these actions because I wanted to keep my Chase account. Since I am not in the USA, it costs a lot of money to call Chase each time, I spent more over XXXX usd overall to call Chase and talk to representative to get my issued resolved. That is more than 5 hours of time. The biggest part are my efforts to keep chase account and my personal time, these are not countable, these are invaluable for me! 
My impressions with Chase Bank is associated with my impressions of USA, since it is the bank I opened in the USA. I do not want to loose those impressions, please do not take them from me. 
Please help me out. 

Thank You XXXX XXXX Account : XXXX
I would like to file a formal complaint against SUNTRUST MORTGAGE. 
I am receiving correspondence from Suntrust Mortgage almost daily in regards to late payment which was included in a chapter XXXX. The bankruptcy has been discharged and one of the criteria from the TRUSTEES was to make sure mortgage to be paid on time. I have made every payment on time since bankruptcy and Suntrust is continuing to show late fees which has since been paid by bankruptcy court. 
I made XX/XX/XXXX and XX/XX/XXXX payment on time and today I am receiving a registered letter stating I 'm 2 months behind. I have spoken to XXXX representative from Suntrust and I was told they would update their record. Nothing has been done and I refuse to allow them to report missed payment to Credit Agency due to their inefficiency.
XXXX  shows my account delinquent when in fact it has been paid via there web app, they said they did n't recive it in time.   this is not true they have issues with their app.
my wife got hurt at work XX/XX/2017, she didn't receive any money while she was out. we fell behind on our mortgage, we contacted SPS and  tried to work things out with them without no prov ell. Our regular mortgage payment is {$1600.00} a month and all they did is come back to us and afford us a repayment plan of {$3100.00} a month. we request numerous times for a modification and were told we are not eligible. 
we also tried to get a copy of our original mortgage documents from beneficial but they won't return any of our calls, emails, and letter, because we believe that we had a XXXX insurance in with our mortgage, and if we did out payments should be picked up by the insurance and we wouldn't behind.
on XXXX/XXXX/2017 i opened a citipriority checking account for {$50000.00} with the promise to re ceive {$500.00} after 90 days if the {$5000.00} remained at that level. i couldnt open the checking account on line because i get my mail at a XXXX XXXX . this is because the post off at zip code XXXX does n't deliver the mail in town to my street address. and because my street address is not recognized by the post office i had to sent citipriority all sorts of documents verifying that i have a valid street address. so the account was opened on XX/XX/XXXX and i started receiving monthly statements. as ofXX/XX/XXXX i call the bank to question why i had n't received the promised {$500.00} bonus. on XX/XX/XXXX i received a letter stating unfortunately your account does not qualify for the promotion because your checking account was not enrolled in PAPERLESS STATEMENTS.no one ever told me any time along the process that i had to enroll in paperless statements. when i saw this deal on the internet i told a friend of mine in long beach ca and she went into the bank and opened the same checking account. she was told that she was n't going to receive the bonus for the same paperless statement problem. i have seen on the internet 4 other people with this exact problem.
I transferred {$850.00} to my Fiance in  XXXX ,  XXXX  on  XXXX   XXXX ,  2017 an d I tracked transfer which was picked up in Colorado, USA! Nowhere near  XXXX !  Western Union just gi ves me the run around but is no help at resolving the matter.
XXXX XXXX XXXX is reporting incorrect information on my Transunion and XXXX Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on Transunion as XXXX XXXX and on XXXX it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.
In XXXX XXXX I rcvd my first letter from XXXX XXXX XXXX Requesting Payment of Sams Club XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of two states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for Sam 's Club on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with XXXX for the last year on a previous debt which they also failed to validate as requested.
PLEASE NOTE : This is NOT about a vehicle lease, but a lease for a copier/printer instead. 

I feel that I am the victim of an extortion scheme. In XXXX of 2018, I contracted with XXXX XXXX to lease a XXXX copier/printer to use in my home. They prepared several quotes and found a used machine I could lease for around $ XXXX. for 36 months. I understood I would have the opportunity to purchase the copier at a very reduced rate at the end of the lease, as the equipment was 2 to 3 years old at the time I leased it, and it was coming off of another lease with a church in Florida. The data from that church was still on the machine, and I had to have my technician delete it so it would not interfere with my information. 

The original lease was financed through Everbank. 

Approximately 4 months ago, I received notice that TIAA Bank was taking over Everbank, or at least the lease that I was paying. I have paid every payment on time and in full for the life of the lease. My last payment on the lease is due in 2 weeks, and is scheduled to be paid from my online bank as usual, next week, so my obligation with them will then end. 

I expressed to the Copier salesman I dealt with that I would be interested in getting a buyout offer, and if reasonable, would just purchase the equipment. He contacted the appropriate people at TIAA and I received an email indicating that someone would be in touch with me. More than a month went by with no contact, so I reached out again last week and was met with a quote of nearly {$3000.00} to buy the 5 to 6 year old copier that is available, brand new, for around {$3500.00}. Keep in mind, my total lease payments have exceeded {$7700.00}, and the former lessee certainly contributed to the cost of this equipment as well, likely for the same or very similar amount. 

I told the TIAA rep. that he must be mistaken. He indicated that he had misquoted because he did not realize the equipment was used when I got it. But he took only about {$500.00} off the original quote, making it still well over {$2000.00} to buy out this copier after paying so much over the past 3 years and accepting its wear and tear of 2 users over the last 6 years! 

When I told him this new offer was still unacceptable, I made him a reasonable offer of {$500.00} or at most, {$750.00} that I am willing to pay for this copier, just for the convenience of not having to look for a new one right now. Frankly, after what I and the former lessee have paid, it should be free by now, but I am willing to pay a little. That is still not acceptable, and they also want to charge me upwards of {$600.00} to ship the equipment back to them in XXXX when my lease expires. 

This has to be an abusive practice, but nothing I say or do will cause them to reasonably negotiate with them. I need your help. 

I have included the final offer from TIAA for me to pay them another $ XXXX for a 6 year old copier for which they have already pocketed nearly {$14000.00}!