WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for the loan. When I asked them if the {$500.00} fee was a XXXX time fee they said yes it was a XXXX time fee. They asked for my credit card information so they could take out payments. they charged me {$500.00} for my XXXX payment on XXXX XXXX and recharged me {$500.00}. The person I spoke to never said that they were going to charge that monthly till the loan was paid off with their montly fees. If I would have known that I would not have taken the loan. for them to take out payments was XXXX think to take back {$1500.00} which would have been the {$1000.00} loan and the {$500.00} finance fee, but they are chargeing {$500.00}. I found that part out after I called them back after the first tofindo out why the loan had not gone down any and why there was another {$500.00}.
On XX/XX/XXXX I received a call from an unknown number which left me a voicemail to call XXXX if not they were going to submit to the court for a lawsuit and arrest me. I took this loan out in XX/XX/XXXX I believe but they said am being charged with fraud and other things I couldnt get the name of the company but they said their on behalf of XXXX XXXX. They were going to call my employer to look for me. I have not received any other calls from XXXX ever! The loan was for XXXX and now I have to pay XXXX. I spoke to them and they gave me a wrong birthday year and had an old address. I had to make payment arrangements because I can not afford to go to jail. I have 4 kids to care for and am the bread winner. I panicked when I head the voicemail and called them. They said to give them my social and a debit card for them to put on file. I dont know if its fraud be they proposed for me to pay XX/XX/XXXX the amount of XXXX and then on XX/XX/XXXX or so give XXXX. I really dont know what to do. After we had the agreement I started to think its a fraud. My uncle told me to file a complaint with cfpb. Am scared that I cancelled my card because a lot of things seemed wrong this loan isnt even on my credit report.
My name is XXXX XXXX, last $ of SS : XXXX. I saw that I had XXXX debts on my credit report. It has been over 30 days since I have been trying to get the debts verified. The XXXX debts were from XXXX and they are now with National Recovery Agency. 
Every time, we reach out to them, they have different information. 
My credit repair consultant sent them a letter yesterday after being rushed by someone who did not want to help. 

Here is a copy of the letter : Please receive letter and supporting documents of Validation of Debt Request for accounts listed above that we already sent to you on XXXX/XXXX/2015. We called on XXXX/XXXX/2015, a representative stated that your company will send the validation of debt within 2 weeks. We called back again on XXXX/XXXX/2015, another representative stated that the file was still with the compliance department. We just called back and spoke with a representative named XXXX who did not take the time to verify any information or asked any additional question but just told us that you only verify information through fax and rushed us to hang up It is very frustrating that the 3 times that we called that we have received different information and that XXXX would not even take the time to gather appropriate information, even after we clearly explained to her that last time they told us that the file was with compliance and to call back within 2 weeks. 
It is either that you are not able to verify the debt or your associates are poorly trained. Either way, per the FCTA, you had 10 business days to verify the debts and it has been one month. 
So, you have 24 hours to verify the debt or send a " pay per delete '' letter ; otherwise, we are submitting a complaint to the Consumer Financial Protection Bureau in regards of your inappropriate care and service to our client. 
If you are not able to validate debt, please send " Pay Per Delete '' letter to : XXXX XXXX XXXX # XXXX XXXX, RI XXXXEmail : XXXXXXXXXXXXThank you for your cooperation and your help.
This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX in XXXX XXXX, including filing a complaint w XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to XXXX XXXX and they have removed my credit dispute from XXXX.
Capital One has again contacted our Landlord trying to collect a debt. We have already filled a complaint and they said that they would no longer be doing this, and yet it has happened again.
XX/XX/XXXX to XX/XX/XXXX I attended Itt forced loan signatures and untruthful information of Amount of Loans. I never received a job with this degree it was no help to me, it actually hurt me with finances long term of my success path.
Please note that this is a statement that your claim is being disputed and validation is demanded. Midwest Recovery Systems has reported an account in collection to all three credit bureaus as of XX/XX/XXXX which has caused problems with my credit report when I haven't opened or taken out any new loans or accounts since XX/XX/XXXX because I am in the process of buying a home and all of a sudden this collection popped up on my report. I attempted to call and find out where this collection came from and asked if they could send me verification for the validation of this debt they claim I owe but I kept getting transferred to different people and was told they couldn't send anything out. I am requesting that I be provided with a validation of debt, when the debt first originated to verify that I do owe said debt and have any legal obligation to pay you. Please provide the following : Agreement with the creditor ( XXXX ) that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, proof that the statute of limitations has not expired, complete payment history on this account along with an accounting of all additional charges being assessed. Also needed is proof that you are licensed to operate in the State of Alabama along with your business license number and Registered Agent number. If your office ( MIDWEST RECOVERY ) fail to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on said debt must be ceased.
First off, we are responsible and hard working people not looking for a bail out, just company that can operate fairly and accurately. XXXX XXXX XXXX consistently makes vital errors, gives wrong or inaccurate information and has terrible customer service. 

Ever since I consolidated my and my wife 's students loans in 2013 and were set up with XXXX XXXX XXXX XXXX we've had issues when it comes to re certifying our income based loans, inaccurate information and blatant errors. 

Each year they fail to calculate our income based repayment plan properly and we are forced to spend hours on the phone with them or resubmitting paperwork because of their mistakes. Not to mention the thousands of dollars they are costing us. Every year since 2013 they've made errors when recalculating for IBR. Often doing the math wrong or forgetting to add in my or my wife 's loans on both our accounts. Last year they miscalculated 4 times taking 9 months for them to get the payment corrected. During that time both loans were put into forbearance and we were charged nearly {$20000.00} in interest because we were not making payments, due to their error. After endless hours on the phone, being given inaccurate and contradictory information they finally got it correct. Also, I'm on Public Loan Forgiveness and missed 9 months of " qualifying '' payments because of their incompetence. I would have liked to have been paying on my loans, at the correct amount. 

The company makes extremely costly errors, admitting to the errors over the phone and gives inaccurate information. They should be replaced by the Education Department and held accountable. I would venture to say most of our current national student debt issues are caused by these incompetent private companies, due to fees and interest.
Per our conversation with XXXX XXXX at Wells Fargo Executive department on Friday XX/XX/XXXX, I have attached the additional documents that are pertinent to resolving our mortgage matter. 

XXXX XXXX 's email to us as customers last month was " Wells Fargo is committed to making things right with our customers. '' After speaking with you on the telephone Friday XXXX/XXXX/XXXX, that is not the sentiment you expressed. You still emphasized that Wells Fargo does n't select the contractors. That is not the point at hand. 

We could not have our closing until we meet Wells Fargo 's requirement to select a contractor that meet Wells Fargo 's protocol for validation. We did not know XXXX XXXX prior to this transaction. 

I was ensured by XXXX XXXX XXXX at the Executive Wells Fargo 's department on XX/XX/XXXX, that a new pair of eyes would review our concern. 

You are eyes are not new and we believe they are tainted by the entire 203k loan department which is no longer in existence because of illegal practices. 

We request that another Executive representative take a new look at our entire mortgage application. 

First, we were first-time homebuyers and that was not selected on our application therefore we were precluded from additional benefits as first time homebuyers. 

XXXX XXXX did not explain to us that we have MIP rather he said we have PMI which is significantly different. 

The contract we signed was in-conjunction with our mortgage closing and was not a separate document between XXXX XXXX and us. 

According to Connecticut state the law the Homeowner Contract agreement is not legal nor valid in our state. ( attached ) Moreover, Wells Fargo has hundreds if not thousands of 203k loans in the state of Connecticut and we believe our State 's Attorney needs to investigate and expose the validity of Wells Fargo loan practices. 

We received from the Department of Consumer Protection that your validated contractor was  sanction a forfeiture and the Attorney General 's unit can investigate the Unfair Trade Practice Act that was clearly ignore and not upheld by Wellls Fargo. ( attached ) This has been a two year over extended abuse from Wells Fargo and XXXX XXXX 's needs to be made aware of our situation. 

We do not desire to argue with you or debate. 

We need to be removed out of the MIP and Wells Fargo needs to refinance our loan without us incurring any further monetary depletion. 

Wells Fargo 's actions against us as first time homeowners is abusive, remorseless and inhumane. 

We need to be made whole as paying customers. 

Respectfully, XXXX and XXXX XXXX XXXX
WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong
IC systems has been unlawfully flagging my credit multiple times within a month in order to decrease my score. They are consistently reporting a collection that is not valid and not mine on my report as new 3 plus times a month. I have requested they provide me with insurance claims made in reference to this, proof of identity and account history. They have continuously failed to do this. This constitues malicious debt collection and violates the FCRA. This is harassment and is subject to law suit.
I fell behind in my mortgage due to some financial hardship. Nationstar Mortgage is my current lender and they raised my mortgage payment by {$300.00} dollars, without notifying me of the increase because of an escrow shortage. I called Nationstar to make arrangements or determine what my options were. They had began the foreclosure process. At that time, I began to go through the modification process with Nationstar. I submitted paperwork after paperwork, only to be told several times that they did not have the documents. I submitted the same document over 5 times, as they repeatedly told me they did not have it. At that point, I began to get nervous because I read that this is a standard practice of Nationstar to stall its consumers. I had been assigned to a loan specialist, XXXX XXXX, who I understand is the lead loan manager at Nationstar. I would call Nationstar to follow up with him, but it always went to his voicemail, and I would have speak with other agents, who appeared to be incompetent and unhelpful. After weeks of trying to get all the documents to underwriting, it finally made it with a daunting foreclosure sale date XX/XX/XXXX. Nationstar informed me that the modification would postpone the sale date. I was advised that it would take 20 to 30 days for the process. My documents were in to underwriting on XX/XX/XXXX. I called to inquire when I would receive disclosures forms, because I have no idea what type of modification I was applying for or the terms. The rep on the phone stated 3 to 5 days. I did not receive any disclosure forms but I received a copy of my credit report along with the coborrower. I called Nationstar, to request the status of the modification and when I should expect to receive my disclosure forms. The Nationstar rep informed me that I have been denied for all the modification available because I did not occupy the home. What??? I have lived in my home for over 8 years. Mind you, I have called Nationstar over a 100 times during this process and this is one of their verification questions. My answer has been the same each time. Yes, the home is owner occupied with me! The Nationstar rep informed me that I would have to wait to get my denial letter to appeal. I could not understand this and I refused to get off the phone until the matter was escalated. After an hour on the phone, my dedicated loan specialist, XXXX XXXX joined the call and apologized for the mix up and stated that he would work with underwriting to resubmit. He stated that he would walk it over personally. I am nervous because I feel like I am getting the run around and Nationstar is going to take my house from me by giving me the runaround. The horror stories and reviews are awful from consumers going through this process with Nationstar. As a consumer, this type of treatment and lack of competency on Nationstar staff is unacceptable. I am just trying to save my home and get back on track. I do not have faith in this process with Nationstar and I need help.
Steered me toward higher payment loans I ca n't repay my loans due to the high payments and increasing interest.
Had a credit card with Discover for 35-40 years, closed account, referred to as Ole reliable, no real issues to speak of. Shortly after closing this credit card decided to open another credit card, this time it was called DiscoverIT. Process worked well, statements arriving on time, ( paper copies directly from the bank, also statements on line ). Par usual, then of course fraud, upset to my normal credit card usage. Then statements not arriving as before, in, essence, normal processes disrupted. Of course, having to deal with the Fraud department. When this happens, it is very time consuming for the customer ( who, by the way, is not being paid for the research involved, as are the Fraud agents ). It could take weeks until credits are issued or, of course, having to close the credit cards and then issue another. There seems to be a pattern with these banks, preplanned by the banks, deliberate, especially when dealing with senior citizens, to mess with customers accounts. Discover and I are no longer and I would advise anyone, where I reside not to have any dealings with this bank. I would not trust any of them to manage MY money or have any control. All these huge banks have the same AGENDA, to XXXX the customers, have them go into debt, take out loans so the bank profits, pretty much functioning in a very unprofessional, sleazy, deceptive platform. When calling the call centers, representatives extremely difficult to do business with, extremely amateurish, should be fired or retrained, finding many do not even know what they are talking about, or children answering the phone, saying I can help you. WHAT!! It is so BLATANT how these banks try to mess with customers accounts. The Federal Bureaus refer to this behavior as DECEPTIVE practices and Discover surely falls into that category, pretty XXXX and contrived. My association with this bank is OVER, as was with XXXX, XXXX, XXXX XXXX, currently involved in a {$140.00} XXXX class action case, I can see Discover ending up in the same predicament. 

Their Executive Advocacy representatives are the biggest FARCE I have ever dealt with in my 60+ years of banking. You, the customer, is advised to deal directly with them bypassing call centers, and when you try to reach them, of course, unreachable, at any of the phone numbers you, the customer, have been given, this could go on for weeks. REALLY!! 

The banks want to know how much money you, the customer, has, and knowing this, I do not play with much, I know, the bank will try to mess with my accounts, or ROB me blind to their own advantage. 

I pretty much put these banks, ie : credit card, checking account, debit card on a trial of 1-3, 3-6 months, if in that time a lot of disturbances to my normal banking, statements not coming on time, you know, all that deliberate XXXX the banks do, I will close accounts, FORGET any investments. 

It is unfortunate, these huge banks function from such XXXX, DECEPTIVE platform. 

I am OUT, good luck Discover acquiring new customers or even maintaining the ones you have. 

Checking account # XXXX XXXX Credit card # XXXX
I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXXwhen auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Over the years I have tried working with Navient and prior to losing my job I was making on time payments. 

My issue with Navient is not only their refusal to work within my budget but it is also their behavior in an attempt to collect payment. Since XXXX they have aggressively contacted my mothers ex husbands family as well as her current husbands sister and children. These are people I have no contact with or relation to. 

They have also been incredibly aggressive with my grandmother on several occasions making her think she will lose her home. 

In XXXX of this year my grandmother was tricked into sending a payment which she was told would set my account current. My grandmother at the time was XXXX years old and  was presenting signs of XXXX. 

In XXXX of this year I contacted Navient again and asked what I could possibly do to come to an agreement on a payment that would work within my budget. I was not explained any options just given a set amount I could pay. This amount was not in my budget but I said for that month I could try and make it work and that I could send in {$250.00} and would make the remaining balance on my next payday which was a Wednesday but they said they needed payment by I believe that Monday. It is clear they would rather people default on their loans. 

Today I received an email that they might have additional options for me to be able to make payments. I immediately emailed Navient back and asked if they could please email me my options so I would have something in writing that I could go over instead of just listening to total payment amounts over the phone. 

I am more than willing to make payments in my budget but they are not willing to work with me and they would rather call and harass non family members ans tell them I have defaulted on my loans. 

I have done everything I can to try and save money, I was working XXXX jobs just to try and make ends meet with studen loan payments. 

I am currently trying to have my mortgage lowered to allow myself more cash flow that can be put towards my debt. 

Please let me know if anything can be done as I would love to make my loans current and not deal with the stress of daily harassing phone calls.
I have submitted a complaint to the state attorney office, regarding the collection procedure of a debt. Again the primary reason for the complaint is the matter, whereby the debt was collected. and because the law firm -collecting on behalf of the original creditor, refused all attempt to collect the debt via me submitting bank information for payment. This debt ended up being settle via the legal system. There are two problems here : 1. Equifax is reporting the debt as not paid and 2. The principal amount for this debt was {$600.00} ; I paid a total of {$1400.00} via forced garnishment from my pay check, which created financial hardship for me within the last 6 months. Hence my reason for filing a complain with the State Attorney Office.