WillisBack/dataset-financial-user-claim huggingface dataset:
This " debt '' results from fees incurred when I terminated my XXXX XXXX account upon moving to XXXX pursuant to XXXX. As an XXXX, I invoked the protections of the Servicemembers Civil Relief Act and provided XXXX XXXX with requested documentation at the time of termination. XXXX assured me no termination fees would be charged. XXXX assessed me the fees anyway, and I called them ( at XXXX long distance rates ) to work things out. They apologized and refunded the {$340.00}. The next month, XXXX again debited the {$340.00} from my bank account, and I again called them ( XXXX long distance ), receiving an apology and a refund. It appears XXXX XXXX has debited my account again, in addition to turning this alleged debt over to Valentine and Kebartas , Inc., a debt collector collection action. 

I am fed up with XXXX XXXX acting in blatant contravention of the SCRA, and I do not want to waste additional funds calling them XXXX long distance to try and resolve the issue.
XXXX XXXX XXXX pickup truck listed for sale on XXXX on central Michigan website. Asking price of {$20000.00} I answered the ad and was in contact with the seller XXXX XXXX from XXXX XXXX, NE. She said she was selling the truck because her husband had died in a bike accident and keeping it really hurt her. She stated she wanted to use XXXX XXXX   XXXX for the safety of both of us. I provided my name, address, phone number and she said XXXX would contact me with the information for completing the transaction. They notified me of the bank to send the wire transfer to and once received I would get the delivery information. The bank they first told me to send the funds to was XXXX XXXX XXXX  to the account of XXXX XXXX those funds were returned to my account minus {$45.00} with the notation " unable to apply credit ''. So I contacted the number they provided for XXXX and they reissued instructions to the XXXX XXXX to the account of XXXX XXXX That transfer was accepted and I received shipping information that the truck would be shipped with arrival on Saturday XX/XX/XXXX. I would then be allowed five days to inspect the vehicle and if accepted XXXX would release the funds to the seller.The vehicle did not arrive as promised and I have been unable to contact anyone involved in the sale. Internet fraud victim.
I closed my NetSpend account on XX/XX/XXXX. I was advised a check with the remaining amount ( minus a closing fee ) would be mailed to my house within 7-10 business days. I called on XX/XX/XXXX to confirm my account was closed and the check was coming, and the rep told me I should get my check by the XXXX. I did not get the check. When I spoke to NetSpend on XX/XX/XXXX, the rep said they will email me within 24 hours an update on the check. I received no email. When I then spoke to NetSpend on XX/XX/XXXX, they said they never send updates by email, and their Fraud Dept will provide a final determination within another 24 hours, and for me to call back. I call back XX/XX/XXXX, and this time, I'm told the Fraud Dept was not involved, and that I should receive my check in another 7-10 business days. The XX/XX/XXXX rep kept asking me if I want to re-open my account ( I think he is trained to do this by his superiors ), and I had to tell him multiple times I have no interest doing business with NetSpend, especially after this particular experience. CONCLUSION - Their story keeps changing whenever I call, and I don't believe they will send this check in 10 business days. They may be  doing this intentionally until I forget about the check, to pocket the remaining balance from before I closed my account.
Update : XXXX Looking at document called Amortization Schedule. I have a 1st and 2nd mortgage. As of XXXX XXXX, XXXX, the outstanding Principal Balance for my 1st mortgage is {$34000.00}, and my 2nd mortgage is {$78000.00}. The second mortgage would be silent until the house is paid off. I will be dead by then. But say the children were living in the house? Then that would be their gift from Wells Fargo Bank. This looks to me like the same {$78000.00} missing from XXXX XXXX, XXXX. XXXX XXXX and the lawyer XXXX XXXX knew they were after the money before my XXXX documents were signed. For shame. According to My Amortization, my Principal Payment is {$110.00}. I am currently paying over {$500.00}. My mortgage payment is {$740.00} per month. Wells Fargo was selling me to XXXX Mortgage Company on XXXX XXXX, XXXX with this NPV Input Data Values Document. I would have to pay that until I would finally lose my home. My total income per month is {$1200.00}. XXXX XXXX has retired from practicing law and lying in the sun somewhere. I am suffering. I do n't have enough food. I need extra health care, but ca n't get it because Wells Fargo wants a mortgage payment twice a month. If I do n't give it. They will use their power to foreclose on my house. I am learning a lot about home mortgage. As a single parent working XXXX jobs, and going to XXXX at night I never looked over my mortgage. Even when I got really sick, I always relied on the mortgage people to handle payments. I had attorney XXXX XXXX going over my paperwork. She was in XXXX and I was in XXXX. It never crossed my mind that anyone never alone her, would pull such a thing. XXXX did the Closing on this house. Oh XXXX, I do n't even know if I own it. I trusted everyone. When you get as sick as I was with children living out of the country, what do you do? Well, I got a XXXX XXXX in finding out about my mortgage. That gang-related bunch of Mortgage Preservationist over at America 's Servicing Company has made my life unbearable at many times. But I lived to see this day. 
Everything I say is right over there at A S C. Just go to the database. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. Do n't worry if you were n't mentioned here, I will later.
I opened a TJX Rewards Credit Card account in  XXXX  on Synchrony Bank with a credit limit of {$300.00} and I paid on time never missed a payment. I paid off my off my balance on XX/XX/XXXX  and I have not used the card since. I received a letter from Synchrony Bank saying they have closed my account due to 1 ) number of accounts with delinquency, 2 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. 3 ) Proportion of loan balances to loan amounts is too high. 4 ) Length of time revolving accounts have been established.
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I never heard of this because there was no problem until I paid my account off and stopped using the card. I can do without this card but the principal I did not ask them to cancel the card. I do n't have a number of accounts with delinquencies and what gives them the right to cancel which dings my credit.
I have been told that my student loan is past due XXXX for which I ca n't afford to pay back. In my most recent conversation the person I spoke to XXXX at XXXX this morning was very rude. I have done what Fedloans has asked me to do 8 times within the last XXXX months and nothing has happened in regard to the past due notices of XXXX. Today I was told that it has gotten to this amount from the amount of XXXX. I just want for them to do what they say and make the payment XXXX dollars until i can pay it back or not have to pay it at all for all the pain i have gone though for them to do what they say.
We purchased a home and closed in XXXX 2016. Our lender had an appraisal done on XXXX/XXXX/16. Our lender was Crosscountry Mortgage Inc. We knew going in that we could only put down XXXX % but as soon as we sold our other home we would put down another XXXX % to remove PMI. We were ready to do that within 1 month of our purchase ; however, Crosscountry sold our mortgage to XXXX and their " guidelines '' state that they " may '' request another appraisal. Since we just had an appraisal we thought common sense would indicate that our original appraisal would be sufficient and that was our understanding going into the process. Now our servicer ( Crosscountry ) is stating that XXXX wants another appraisal and there is nothing that they can do. I call XXXX and they blame it on Crosscountry. We are stuck in the middle. Crosscountry says it 's out of their hands. XXXX says if anything can happen Crosscountry would have to escalate it. We are left with no one to help us. This is despicable. I ca n't believe big banks and large companies can take advantage of consumers like this and then pretend like there 's nothing that they can do. Rather than attempt to help each company just blames it on the other. The last rep I spoke to with XXXX ( XXXX ) just read me their guidelines and kept saying " if it 's in the guidelines ... .if it 's in the guidelines. '' I guess the guidelines mean that common sense is out the window.
Charges for my purchases were shown pending on my chase checking account and my balance was reflecting these charges being taken out. A week later, my account was overdrawn. But the night before, my account was at a positive. Those pending charges from a week ago were the reason for the overdraft and resulted in 4 overdraft fees. Chase stated this was due to the pending transactions that expired so it was removed from my account and they posted to my account was merchant charged the transaction. I explained to chase that it is not fair to be charged overdrafts when we were not given the opportunity to correct the negative balance. I was unaware these charges disappeared from my account. If I knew my account would be at a negative balance, I would quickly deposit money to my bank account to avoid any overdraft fees. Instead, you are not give an opportunity to fix the negative balance. You are just surprised to see charges posted along with overdraft fees. Understand chase has no control when merchants posts transactions but neither do we, the customers. Chase said I should keep better track of my transactions but I 'm relying on my bank to do that for me. If I have numerous transactions, how can I know when some of those charges disappear? Chase should be helping customers keep track of their finances, not swindle us to make money. They should allow a grace period for now posted charges for expired pending transactions to give us time to fix negative balances if they should arise. How can we keep track of our account if we see a positive balance the night before and get hit with overdrafts the very next day. This is unfair and should be illegal. It sounds like a scam that banks should not be allowed to do.
TransUnion I have disputed this account for 6 months with you XXXX, the XXXX, CFPB, FTC, Attry Gen CA no one can get any evidence on this account that I made it or its mine in XX/XX/XXXX I filed a fraud alert as also got a pin from the IRS because someone was using my information. Enclosed is copies of responses that show there is nothing .I know you claim you do an investigation but you can n't tell me that these Goverment agencies can n't to better than you in a investigation because they get no response also. I contacted the FTC XX/XX/XXXX by phone they had nothing to report also REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it is not verified it is removed I don't mean by old information you use but by up to date investigation as these company 's have tried. Please do not send me a templete responce THERE IS NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT. REMOVE IT also any response I get will be forward to the CFPB FTC
Upon seeing my credit reports I discovered a debt in collection I have never heard of. I don't think its fair I was not mailed any information prior to it going on my credit report. This makes me question if it is really mine or an error
XXXX XXXX/RESURGENT is a collection agency account no.XXXX appearing on my XXXX, XXXX and XXXX credit bureaus.the original creditor is XXXX.The XXXX  account had numerous unauthorized charges.After notice in conversation with XXXX the charges remained.Without resolution XXXX continued the fraudulent charges escalating the bill.
Ocwen has a Hamp that was submitted by a Housing Counselor since XX/XX/XXXX. Homeowner was approved for a Trial Mod and due to XXXX and XXXX She did not make her 1st payment but Funds were paid by the 3rd trial due date and returned to the Housing Retention Program. Since approved trial modification the homeowners income improved with XXXX and Contribution. The lender not only has not made a decision, they have just recently asked for a new packet for it being outdated, I submitted on XXXX/XXXX/XXXX. I have asked for status updates and they have asked for a XXXX page that included her Name, Phone number, Social and if her intention is to keep or sell the property, information they have had on file since a minimum of XX/XX/XXXX. The ongoing strain of the homeowner health and the thought that she may loose the home she has lived in since XX/XX/XXXX is causing a decline in her health.
Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work.
Navient has contacted XXXX parties ( in-laws ) in regards to my outstanding student loan debt and has announced the call as a debt collection call to them.
This letter summarizes our current situation. Thanks. XX/XX/XXXX  To BOA RE : BOA Loan Numbers : XXXX and XXXX VIA FAX : XXXX and XXXX We are not accepting the LOAN MODIFICATION trial offer to modify our first loan in XX/XX/XXXX,  because instead of helping us reduce the payment you are increasing it to {$2900.00}.
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Our payment used to be a third of this amount, so you are actually increasing it three-fold. How is that helping us? We also requested your help to modify our second loan and you declined us.
Therefore we still have to pay on top of the {$2900.00} an additional {$900.00} for the second loan From Bank of America. When you add both loans together the new mortgage payments are almost {$4000.00}!
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I started the refinancing and Loan modification processes back in XX/XX/XXXX to let you know that we needed help to modify or refinance BOTH loans, and now 6 months later you 're still offering preposterous Loan Modifications that are completely unaffordable.
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We have saved all the documentation that we received in the last 6 months from BOA and I will be sending everything to the corresponding Mortgage monitoring agencies so that your Bait-and-Switch practices can be stopped. Especially The fact that after so many phone calls and so many emails your responses to our questions were confusing. Moreover, you kept transferring us to many BOA Departments without a straight answer. Nobody could tell us what are the terms, and basic information of this trial loan modification. How can we make an informed decision?
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We have been paying our mortgage on time for the past 10 years to BOA, since the terms of the loans changed we wanted to make sure we kept our credit in good standing, but unfortunately you failed to help us.
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This whole process with BOA has been very frustrating.
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Sincerely, XXXX XXXX  XXXX XXXX CC : Office of the Comptroller of the Currency ( OCC ) CC : Consumer Financial Protection Bureau ( CFPB ) Fair Housing-US Dept. Of Justice Federal Trade Commission ( FTC ) Equal Credit Opportunity Act ( ECOA ) Truth in Lending Act Fair Credit Reporting Act Department of Housing and Urban Development [ HUD ]
The calls began 4 weeks ago. I have received a call from XXXX XXXX XXXXXXXX XXXX at least three too four times a day from random numbers requesting payment. I answer the calls and explain my situation of unemployment. However, they continue to call through everyday and through out the day. On XX/XX/18 at XXXX XXXX, I spoke to a call center manager, who I requested a verbal cease and desist. In addition, I requested an address where I can submit a written cease and desist. The address was not provided and the manager once again began his collection tactics. I am requesting assistance on having the calls stopped until I am able to make arrangements on paying my debt.
Name : XXXX XXXX XXXX, Phone : XXXX email XXXXXXXXLoan is with Wells Fargo Loan Number XXXX, Please help, I have health issues that have put me in a position where I have lost my job and I am now on XXXX. I have been trying to speak with someone at Wells Fargo to postpone the sale date to do a short sale or deed in lieu. Been passed around from the preservation specialist, to liquidations, To the re-entrey dept back to liquidations. On the phone at least for the past XXXX hours. Now one has any answers on who can help get it postponed to do the short sale or deed in liey. Please help. Times is of the esssence.
I answered my cell phone and was asked if this was XXXX ******, XXXX ********* or XXXX ***********. Clearly he had something with all names maiden or married. I asked what it was regarding. I was told that they have a debt in my name-not sure what one and that it was going to court. He said that it was for XXXX dollars but I could pay XXXX to make it good. I asked him to verify what it was and the name on it. He began calling me names such as a dirt bag, scum bag, leech who buys things and doesn't pay for them. What was scary is that he must have had my credit report as he told me all my current liabilities. I hung up on him. I was extremely upset. He just yelled and yelled at me, calling me names and using obscenities. I waited a few minutes and called the number and requested to speak with someone else regarding this. it is upsetting to me that someone has my information, wont verify it and I currently have XXXX due to tampering. when I called back, they transferred me to him. He began his tirade again calling me worthless with nothing better to do than call him. He stated maybe I should get a job and be less of a scumbag. I wanted verification of any debt as I have been tampered with. He continued his obscene tirade until I hung up. This company is named ARA and the phone number is XXXX. It seems to be from XXXX, IL
Equifax continually deletes XXXX then re inserts the information, purposely damaging my credit score causing financial hardships.
Navy Federal Credit Union refuses to accept the fact that my wife closed her account with them 40 years ago. This is despite the fact that there is no account balance either debit or credit, and there has been NO ACTIVITY on the account for +/- 40  years. When my wife recently responded to one their advertisements and tried to create an account, they insisted on using the 40 year old account, and would not use her current legal name. It seems that NFCU refuses to understand that a woman may get married and change her last name. Because of this refusal to use current information that my wife cancelled the account creation process, and has tried several times to get them to quit reporting that She/We have non-existent accounts with them. I never opened any account with them, and they keep reporting that I do have a a credit card account with them. They refuse to talk to me and keep insisting that they can only speak to my wife because the 40 year old totally inactive closed account was in her name, despite being told by her that they can talk to me and THEY ARE REPORTING THAT I HAVE A CREDIT CARD ACCOUNT. If I " have an account with them, I should be able to talk to them about their reporting to the credit bureaus in a manner that affects my credit reports.
I am a co-signer on an original XXXX XXXX loan obtained in XX/XX/XXXX and now owned by Navient. The primary borrower has been sporadically negligent on the loan payments as of the first year ( XX/XX/XXXX ). The last payment was made in XX/XX/XXXX and due to the consistent decline in my credit score ( solely as a result of this account ) and retirement on my horizon, I am currently attempting to pay-off the loan in full but trying to negotiate a lower pay-off amount. In the past year, I have been called by Navient repeatedly and harassed to the point of hanging up. I have spoken to many representatives and have been informed that my current lifestyle does not reflect a legitimate hardship and, therefore, does not warrant a lesser amount than the full balance. I am currently seeking employment but my monthly debt is being paid promptly and several items have been paid off with the equity of my home refinancing. As a XXXX year old women with a 20-year XXXX XXXX XXXX background, I can assure you, something is gone awry here. At the start of each conversation, I am consistently professional, hospitable and courteous - none of which they have been. As I try to speak, they speak over me. I have asked to speak with someone in management above them and they claim that is not an option. I have asked for an email address to further the conversation and I am referred to their website. I have been told I am lying and that I am " fully capable of making the necessary payment but choose not to ''. By the end of each engagement, I am frustrated and emotional. I have been threatened and accused by their representatives and this is an unacceptable method of doing business. I would like assistance in resolving and closing my account - with intention to never refer Navient or do business with them again! Thank you.
I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both TransUnion and XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against TransUnion but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
My Mom did a reverse mortgage and she just passed XX/XX/2015 now the reverse Mortgage company Champions is not giving me time to get the proper documents in order to buy back home, I ask for an extension. Its only been a month I do n't even have a death certificate yet. The will has not been probated. My god these people are very insensitiveto helping us to keep home. They just want to foreclosure do n't they need a death certificate to prove a person is deceased. And give the family time.
I was not advised this debt was in collections. No one called me and I did not receive anything in the mail. I do not feel I owe this to the provider.
I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship