WillisBack/dataset-financial-user-claim huggingface dataset:
Was contacted by an employee of the Financial Account Services Team ( " FAST '' ) on behalf of debt owed to XXXX ( " Creditor '' ). Was told by the employee that unless the balance was paid in full immediately, a judgment would be filed. Told FAST the money being requested would not be able provided and would need to make payments on the account. 

Employee indicated " it was time to stop playing games and that FAST had tried calling many times to resolve the debt. '' Told employee was unaware of the collection efforts but agreed the debt was valid and would make payments if FAST agreed to such ( and not file a judgment ). Employee stated, " XXXX XXXX, payments will not be accepted and it is time to stop playing games and pay the balance in full, otherwise a judgment will be filed. Stop being ignorant. '' Told member such language would not be tolerated and hung up. 

Contacted the Creditor and explained the circumstances. Creditor indicated a call would be made to FAST to see if any arrangements could be made. Received a call from the Creditor indicating FAST had agreed to make payments. Creditor also apologized for the inappropriate actions of the employee of FAST. 

Immediately contacted the employee of FAST to schedule payments and was forwarded to another employee. Employee set up payments and apologized for the actions of the other employee. Told FAST that the initial employee was no longer allowed to call again. 

It is my understanding this type of language is a violation of section 806 of the Fair Debt Collection Practices Act, as it is inappropriate to call a consumer ignorant. Per the Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act : Section 806 -- Harassment or Abuse Section 806 prohibits a debt collector from any conduct that would " Harass, oppress, or abuse any person in connection with the collection of a debt. '' It provides six examples of harassement or abuse.
I sent a letter to a bank where I had a checking account. I had moved and wanted to close the account and have them send me the funds. Instead of sending them to my new address, they sent them to my old address. Now they are unwilling to reissue another check.
Charged off as bad debt Profit and loss write-off Car was paid off in full yet on my credit report it is still showing a balance
I sent Trans union a dispute letter via the United States Postal Service certified mail that they received on XXXX XXXX, 2015. requesting they investigate the attached listed items. I did not receive the results of this dispute until 2 months later ( that is dated for XXXX/XXXX/2015 which is 59 days after they received my dispute ) and was mailed out 1 month later on XXXX XXXX, 2015, which I received on XXXX XXXX, 2015 ( please see post mark on envelope ) which is 90 days pass the date they received my dispute.
I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved.
XX/XX/XXXX I submitted a complaint with you in XXXX ; complaint # XXXX,. I received detailed information from you closing the complaint and stating that the item was removed by the collection company, XXXX  XXXX. 
The item is still showing on my Transunion credit report. I spoke to XXXX with XXXX XXXX who stated that they sent information to be removed to all 3 credit reporting services to have the item removed. 
She said to call Transunion, which I did call today ; they told me they did not receive anything from XXXX. 
I called XXXX back, they said they sent it electronically by email to XXXX on theXX/XX/XXXX. 
I need this item removed as soon as possible ; I just keep on talking to Transunion and XXXX with no positive results to have the item removed. 

XXXX XXXX XXXX
I have been waiting for my direct deposit from Rush XXXX. I 've been trying to contact them since XXXX and all I get is 5 rings then a disconnection. The company has failed to inform me or a t other users as to what the issue is. There is a severe lack of communication from Rush Card. Not able to access my account online or through their mobile app.
In   XXXX  , I consolidated my student loans through loan  servicer   XXXX   XXXX   XXXX   a nd the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old l oan as " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stu dent loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
I received a letter from XXXX XXXX XXXX stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX XXXX and they denied removing from my credit report. I disputed the item with Experian and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX  stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
I have written communication between myself and the company requesting that XXXX and any other company working on there behalf not contact me by phone. The first request I sent to them to stop contacting me by phone was on XX/XX/XXXX. I sent an email as well as signed delivery letter by USPS. On XX/XX/XXXX XXXX sent an email confirming receipt of my request. I have asked that all communications be in writing. They have honored my request up until yesterday. XXXX XXXX with XXXX contacted my place of employment and left a recorded message for me. I contacted the company and asked once again that they stop calling me but was told that they will not stop calling. Stated they will contact my human resources department till the so say " DEBT '' is paid in full. I've emailed the company again reminding them not to call me. This is really embarrassing. 

All I want is for them to stop calling me as I have requested in the past.
Working with servicer, XXXX, to modify XXXX XXXX XXXX XXXX loan. Their reinstatement notice states that payments were not received between XXXX XXXX and XXXX XXXX, which is erroneously reflected in the modification principle balance of {$140000.00}. However, USPS records show that all payments were received and signed for and bank records reveal that four of the six payments received were deposited by Nationstar. Nationstar failed to credit the payments received below as of the date of receipt : Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received by XXXX XXXX on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o USPS Certified Mail confirms payment was received on XXXX XXXX, XXXX. Payment has neither been deposited nor returned. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1200.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a Temporary Payment Program ( TPP ) payment as outlined in Nationstars TPP offer dated  XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX. 

Nationstar records state unpaid balance of {$1200.00} for XXXX/XXXX/XXXX. 
o Per bank records, Nationstar deposited payment of {$1000.00} in XXXX XXXX account on XXXX XXXX, XXXX. This was a TPP payment as outlined in Nationstars TPP offer dated XXXX/XXXX/XXXX As of date of reinstatement letter, another payment of {$1200.00} was remitted on XXXX XXXX, XXXX. 


Of the 7 payments submitted over the past 7 months, all 7 have been received and 4 have been deposited and it is anticipated that the XXXX payment will be also deposited. Accordingly, the principle balance should reflect aforementioned payments before continuing with executing modification.
I am an Obligor on XXXX student loans taken out by my son. These loans have always been current. We make a payment to my son every month and he pays the loan ( depending on his cash flow he will contribute an amount to the loan payment ). Yesterday ( XXXX/XXXX/17 ) I pulled my credit report and found that it had dropped by XXXX points due to a delinquency on these XXXX loans ( 90 days past due ). I immediately called the servicer " FedLoan Servicing '' and cured the delinquency. I was very upset that I was not notified that the loans were ever late. Furthermore, I explained that I am a XXXX and that my XXXX Employment could be negatively impacted by their negligence to contact me regarding the delinquency and subsequent reporting to the credit bureau. They accepted my payment too cure the loan but appear to be unhelpful in resolving the credit dispute until I write a dispute letter. HERE IS MY ISSUE : They have a legal and moral obligation to rectify this matter with the credit bureaus. They failed to notify me, thus I was never given the opportunity to cure.
My family has a mortgage and down payments assistance loan with Kentucky Housing Corporation. We 've always made our monthly payments via their online web portal. The web portal payment system was not functioning during the last several days of XXXX XXXX. I made XXXX payments via a toll free number before the end of the month and was still accessed XXXX thirty day late entries on my credit report. I 've had a mortgage since XXXX XXXX with no previous 30 day late payments.
SANTANDER CONSUMER USA, INC is in Violation Of 15 USC 1692g and 15 USC 1692j. SANTANDER CONSUMER USA, INC and its agents failed to validate an allege debt in a timely manner as Required by 15 USC 1692G  Section  809 ( B ). Numer ous Attempts through the   XXXX   XXXX   XXXX   XXXX   were sent to SANTANDER CONSUMER  USA, INC and a response was never received. SANTANDER CONSUMER USA, INC  has an obligation to validate a debt once requested by a consumer, after failure to Validate a debt all communication and collections must cease.    SANTANDER CONSUMER USA, INC and its agent continued to harass me by phone calling me 6 to 7 times  a day and sending demands for payments after a request for validation was sent to the com pany multiple times and never responded to the request which is a clear violation of 15 USC 1692g 809 ( b ) and section 806 ( 5 ) SANTANDER CONSUMER USA, INC and its agent is also in violation of 18 USC 241, SANTANDER CONSUMER USA, INC deprived me of my property by repossession my vehicle after failure to   validate a debt.
I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.
XXXX XXXX XXXX acted as a debt collector for Midland Funding. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.
Over about 5 years no one has contacted me before that I know to an old home someone served me something but after that no one has ever contacted me and now they took my whole account and me and my XXXX year old will be homeless I wrote a check for rent that will bounce and we have nothing for XXXX credit they have XXXX interst and fees are XXXX.
My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled in XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX in XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.
I have requested to remove this item from my XXXX report and the investigation results came back today XX/XX/2018 as VERIFIED AND ACCURATE. But the ACCOUNT SOLD TO PRA. I'm extremely confused what was verified with XXXX and XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX
I had a bankruptcy discharged in XX/XX/XXXX at which time the judge would not reaffirm my mtg. I continued paying mtg. even after I relocated from XXXX to XXXX for a job on XX/XX/XXXX. I paid mtg until XX/XX/XXXX at which time I called mtg co. many times asking to give deed to mtg. co. in lieu of pymt. The mtg. co. took months and many calls before they finally mailed me paperwork. They then took many months to process the paperwork I submitted, and, in the meantime they kept reporting to the credit agencies that the mortgage was reaffirmed after bankruptcy ( and outright lie by the mortgage company ) and that I was not paying, It was not until XX/XX/XXXX, after almost a year in trying to resolve the issue with this home I was not living in, did they deny my request to provide deed in lieu of payment on the grounds that my credit score was too low ( 587 ). The mtg. company and their delay in sending me the paperwork and then processing the paperwork is the reason my credit score is so low. The only options they are giving me are Reinstatement, Repayment, or Modification. I live 1700 miles away, and renting the home is not an option under the Affordable Housing guidelines. I am trying to now sell the house, though the maximum price I 'm allowed to sell it for is less than the mortgage amount. At least I think it is, but I have been asking for over 4 weeks for the mortgage company to provide me a payoff amount, and I keep calling them but they will not provide the payoff amount to me. They keep making excuses as to why they can not provide the payoff amount and keep extending the date when I will receive the payoff amount. I was first told I would receive it in 5 days. I called them after 2 weeks and was told in another 4 days I would receive the payoff amount. That was over 2 weeks ago. They are holding me hostage or punishing me and in the meantime continuing to destroy my credit for a mortgage that a bankruptcy judge told me I was not legally responsible for.
I was a victim of identity theft and submitted a police report to verify my statement to XXXX and XXXX. Neither was willing to understand that I was a victim. Someone abstain an auto loan with dealer funding llc and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
Was involved in a Motor vehicle accident XXXX/XXXX/2016 filed claim with USAA. Claim was paid for accident the money was deposited into our USAA checking account, However I was notifed that we was involved in a bank fraud and our account was frozen. due to the investigation. After the determination was made the bank ruled as a scam. After we informed them that our bank card and account info was released and was unknown to us. The claims department refused to re issue the amount of money to fix the damage, and is also refusing to provide ANY documentation to us so we are able to seek further help to pay for the vehicle. USAA took over XXXX from our account which was our paycheck and claim to fix the car.
I borrowed {$800.00} from Big Picture Loans. Effective loan date XXXX/XXXX/XXXX. I had financial hardship and could not make the biweekly payments. I contacted the company XXXX/XXXX/XXXX to attempt to arrange a reasonable payment plan for the amount I borrowed, but now the loan amount has more than doubled due to interest and fees totaling an additional {$820.00} bringing the loan to an exorbitant amount of {$1600.00}. After reading several complaints on your website, XXXX XXXX XXXX and ripoff report about Big Picture Loans not closing out loans paid and continuing to withdraw funds when loans have met payment obligations, and will not send a payment plan letter or a letter of satisfaction stating the loan paid in full. I am very concerned and reluctant to make any payments on this loan until the issue of the interest and fees can be resolved and obtain the appropriate documentation from this company.
Issue Date : XX/XX/XXXX ( XXXX XXXX - XXXX XXXX CST ) I checked my credit score on XXXX and was shocked to see that I have 10 Hard Inquiries with my Transunion credit report because a number of those inquiries were ones I never authorized or were aware off for that matter. 
I never had business with these companies and kindly request them and their inquiries to be removed immediately on my account before my credit score is negatively impacted even more. 

Misreported Inquiries : 1. XXXX/XXXX ( XXXX XXXX XXXX ) XXXX, FLXXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX ( Bank ) XXXX, ND XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX ( XXXX XXXX ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX ( Bank ) XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX 5 & 6. **TWO HARD INQUIRIES*** XXXX XXXX ( Automotive ) XXXX, KS XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX and XX/XX/XXXX I called their XXXX number to speak to a representative and told them I have been a victim of their inquiry issue. I listed out the inquiries from my credit report and the representative ( XXXX ) stated he was unable to do anything with my misreported inquiries with no clear explanation why he could not. I was frustrated and disappointed with Transunion 's customer service because their customer service would not help and take care of the negative inquiries reporting to my credit report. 

Please fix and advise. I desire and request these list of inquiries to be deleted. I understand how important my credit rating is, and do not want false and misreported inquiries affecting my credit score and weighing it down to a negative impact by Transunion 's terrible customer service. 

Thank you, and I look forward to hearing from you soon.
Personal Statement I have been a victim of id theft and following up to clear up some remaining inquiries that are not mine and it was an attempt to open accounts in my name. The fraudulent inquiries are 1 )  XXXX/XXXX on XX/XX/XXXX 2 ) XXXX XXXX on XX/XX/XXXX 3 ) XXXX on XX/XX/XXXX 4 ) XXXX on XX/XX/XXXX 5 ) XXXX  XXXX  XX/XX/XXXX attached my the ftc report and I have begun notifying all the appropriate parties. Thanks.
XXXX graduate with $ XXXX in student loan debt Accepted position with XXXX with consideration of Public Service Loan Forgiveness ( PSLF ) program Condition of employment also included Student Loan Repayment Incentive PSLF program and Student Loan Repayment Incentive only available to " eligible '' loans per Department of Education Successfully received Student Loan Repayment Incentive for maximum time of 2 years Per XXXX XXXX direction, tilized Income Based Repayment ( IBR ) Plan to make payments towards student loans since fully amortized monthly amount is unaffordable. Confirmed that IBR Plan was acceptable repayment method for PSLF IBR requires yearly application to ensure eligibility Each year ( 5 years ) IBR status was reconfirmed as well as eligible PSLF status Continuously received affirmation from XXXX XXXX representatives that my loans were being paid towards PSLF 6th year an online PSLF verification form became available Received sudden denial of eligibility for PSLF HOW? 
6 year XXXX with at the XXXX with all on-time payments
I did a reverse mortgage back on XXXX XXXX XXXX. With A company call Financial Freedom which is a reverse mortgage specialist. they say they placed homeowners insurance on my home on XXXX XXXX, XXXX thru XXXX XXXX, XXXX had placed my own insurance on my house thru State farm on XXXX/XXXX/XXXX and is still paying it today. I have forwarded all my info to them including my health documents and my age being XXXX. Now they are trying to foreclose on my home saying I would n't pay when in fact I was paying XXXX monthly then all of a sudden the payments started being returned back to me. Now they do n't want to accept a payment plan from me at all so therefore I am filing a complaint against this company. I placed my own insurance on my property at the time of the loan with XXXX, then at the time of renewal they would not cover the house due to the age and structure of the house. This was XXXX thru XXXX. I got my house totally repaired and placed insurance on it XXXX XXXX thru today. I made payments to financial freedom until the monies owed on the insurance was paid back and they started sending the payments back to me. this is what as explained to my daughter XXXX XXXX XXXX, who is on my account to talk on my behalf. at XXXX