WillisBack/dataset-financial-user-claim huggingface dataset:
After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling in my county, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!
I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven tha t   XXXX   XXXX   is  using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now   XXXX   XXXX   play a musical chair approach by seeing if another debt collector name d Allied Interstate, LLC wi ll try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jers ey. Allied Interstate, LLC is not  bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and Allied Interstate LLC has no authority from any federal agency to collect on behalf of the taxpayers of the United States. Allied Interstate LLC is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY ALLIED INTERSTATE LLC.   ALLIED INTERSTATE LLC IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES AC T 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST ALLIED INTERSTATE LLC ILLEGAL COLLECTION PRACTICES!!!   ALLIED INTERSTATE LLC MUST PURGE MY FILE PERMANENTLY!!!
Closed XXXX network account and being charged after told it was not an issue if I sent the equipment back by using their shipping boxes, which I did. However, they still charged me afterward.
I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by TRANSUNION, EXPERIAN and EQUIFAX. I have reached out to customer service at TRANSUNION, EXPERIAN and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

TRANSUNION - XXXX BANK DE - XXXX XXXX XXXX XXXX BRKS - RDP - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX SYNCB/WALMART - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX EXPERIAN - XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX WORLD FINANCE - XXXX XXXX XXXX SUN LOAN COMPANY - XXXX XXXX XXXX XXXX MAIN FINANCIAL - XXXX XXXX XXXX
I have been paying on my student loan for over 10 years, how do I still have a {$21.00},  XXXX  balance?     In  XXXX  I fiel d Chapter   XXXX , my bankruptcy began paying {$500.00} towards my student loan for at least  3 1/2  years. {$500.00} for 30 months is around {$15.00},  XXXX . After the bankruptcy was  discharged  in  XXXX  i continued making payments and balance is still not decreasing. What is  Navient d oing with my money? Ive tried contacting them and get the run around.
this was from identity theft and is fraudulent needs to be taken off asap i gave a copy of my police report and ftc id theft affidavit outlining the id theft
CARRINGTON MORTGAGE is constantly changing my regular monthly payments one minute {$490.00} is due then its INFLATED to {$830.00} and on the internet only {$270.00} is due I pay {$640.00} and for the month of XXXX {$150.00} is due then I receive {$700.00} is due with a past due of {$150.00} how can {$150.00} be overdue when only {$270.00} was due and I paid WELL OVER {$270.00}? They never addressed my 1st complaint about lawyer fees that was added to my account AFTER we closed nothing in the contracts mentioned about attorney fees CARRINGTON MORTGAGE IS A TERRIBLE COMPANY I have NEVER SEEN A MORTGAGE COMPANY that constantly change payments for their customers CARRINGTON MORTGAGE COMPANY IS CURRENTLY UNDER INVESTIGATION WITH THE CFPB I BEG THAT THIS COMPLAINT BE ADDED TOO MY TRIAL PAYMENTS WERE NOT applied to the loan my escrow is only {$1900.00} from my math over {$3000.00} has gone to the escrow and they are still collecting My hard earned money is being EXTORTED BY CARRINGTON MORTGAGE XXXX
This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have  attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.
I am so tired of dealing with CFPB and Equifax. There is no way, no way that you looked into these accounts. Your company has a tendency to rubber-stamp things because you're a true POS of a company that leaks financial data and tries to hide it from the public. As far as I'm concerned Equifax should be completely shut down. XXXX and XXXX  corrected these matters as these were " authorized user accounts '' they are NOT MY ACCOUNTS PERIOD ( YELLING ). Even in the account ownership/status, it says this very thing. I have three accounts with XXXX XXXX that are mine and they report as owned by primary. If you fail to acknowledge this request within 30 days I will be filing suit not only against you but all the other creditors. I have been removed from these accounts over a year ago and reporting was closed on all other credit reporting agencies except your POS system. 

Accounts XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX I want the CFPB to publish this to show that Equifax will not handle removing closed authorized user accounts.
XXXX - wells fargo charged my account {$35.00} overdraft fee when my ending balance on XXXX {$450.00} XXXX - account charged me 3x {$35.00} = XXXX overdrafts when my ending balance on XXXX was XXXX.
On XX/XX/XXXX I opened an account at BMO Harris Bank. The checking account number is XXXX. 

I was enticed to sign up using a promotional bonus of {$200.00}, payable with these terms : " Well automatically apply the {$200.00} bonus promo code when you apply online. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 

I was not excluded by any terms regarding previously being a customer of the bank, etc. 

After making two {$300.00} transfers from my XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX, I satisfied the requirements for the accounts signup bonus. I waited 120 days from the opening of the account as their terms indicated would be required for the bonus to be paid, but nothing happened. 

On XX/XX/XXXX, I contacted them on the live chat feature, and after reviewing my account, they explained : " After reviewing the account, I show you did not meet the direct deposit requirement. You have external transfer deposits into the account. The direct deposit have to be direct deposits of {$300.00} or more. They have to be payroll, pension, or government direct deposits. 

They are insisting on excluding them because they are external transfer deposits. I believe that the deposits do qualify, as XXXX XXXX transfers can be derived from self-managed pensions, but their system does not recognise this. They are refusing to credit my account with the bonus.
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
A single {$480.00} credit card charge to Cabellas ( Capital One Bank ) was overlooked by me, which was my fault. It was then turned over to a collection agency before I was aware of the past due account, which is also my fault because I put most of my payments on auto-pay. I received no phone call from Cabellas. The collection agency, XXXX XXXX XXXX XXXX called me, and after verifying the bill, I mailed them a check. They sent me a written notice ( attached with this complaint ) in XX/XX/XXXX that the account was paid and closed. Another collection agency, XXXX XXXX XXXX XXXX of XXXX, Virginia is now calling me in XX/XX/XXXX and XX/XX/XXXX demanding payment for the same paid account. They have refused to give me a fax number or email address so I can prove that I paid the account, but just keep calling to demand that I pay. The Cabellas credit card was closed by Capital One and this has probably damaged my credit. I will never do business with Cabellas again. I have good income, no credit card debt except what I pay off every month, and a credit score in the mid-700 's. I can withstand this abuse but I am appalled that a reputable firm like Cabellas/XXXX XXXX   allows this kind of behavior that could cause serious damage to those less fortunate than me.
The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.
I had {$30000.00} in loans with XXXX under my parent 's name while my parents were in bankruptcy. I contacted XXXX numerous times to find a way to get the loan out of their name once I graduated. They would not assist my parents or me with either ; deferring my payments or allowing me access to take over the loan. Once my parents finished bankruptcy we were able to consolidate with another company, however I accrued over {$11000.00} in interest. I do n't believe I should be liable for most of this, if not all.
XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion and    XXXX   and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my  XXXX  account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a   XXXX   balance.
I called and requested for my PMI to cease at 80 % but was told I could only get it to stop at 78 %. I then received a letter that stated " even though you have met the 5 year requirement your request to cease PMI is denied because your principal has to be lower thanXXXX but your principal is XXXX so you claim is denied. I had to look for a new company to refinance my loan because of this which put a burden on my family. I incurred cost of the refinance and paid more PMI than I should. I feel this was a tactic for Wells Fargo to obtain more intrest and fees.
I applied for a IBR. While waiting they offered me a deferment. I mailed all required paperwork back in XX/XX/XXXX, as of XX/XX/XXXX, I have not received any information on new loan payment amount. My loan repayment restarts in XX/XX/XXXX but at the old amount not the new loan payment amount. When I called requesting the IBR, Navient informed me my new loan amount would be a little over 300.00 per month. Until I hear from them about new loan amount I have to pay the old amount of XXXX. The reason for requesting an IBR because I can not afford a XXXX dollar a month loan payment.
I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.
I OBTAINED A PRIVATE STUDENT LOAN FROM XXXX XXXX TO HELP WITH SOUTHWESTERN LAW SCHOOL IN XXXX XXXX. ABOUT A YEAR AGO XXXX XXXX AGREED TO GIVE ME A 12 MONTH FORBEARANCE DURING WHICH TIME I DID NOT HAVE TO MAKE PAYMENTS. THE FORBEARANCE ENDED EARLY AND I WAS NOT NOTIFIED. I CONTACTED NAVIENT, WHO AT SOME POINT DURING THE FORBEARANCE PERIOD TOOK OVER FOR XXXX XXXX. I SPOKED TO A FEW REPRESENTATIVES ON XXXX/XXXX/15 AND THEY AGREED TO EXTEND MY LOAN BY 20 YEARS. THAT SAME DAY, I MADE THE FIRST PAYMENT WITH MY CREDIT CARD. A WEEK LATER I GOT A CALL FROM A REPRESENTATIVE WHO TOLD ME NAVIENT WOULD NOT HONOR THE AGREEMENT. I RELIED ON THEIR REPRESENTATION THAT WE HAD AN AGREEMENT. THIS RELIANCE WAS TO MY DETRIMENT. THEY WERE DISHONEST WITH ME, IN VIOLATION OF THE FDCPA.
XXXX  KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX   XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON
I am a victim of identity theft and noticed a collection from STELLAR RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
I am moving to a condo complex in XXXX that uses XXXX for all of their condos. Getting XXXX basic cable and internet is required per our lease. I contacted XXXX to receive the equipment needed and was told to provide my social security number. I declined and was told they need it for credit check or that I would need to pay {$100.00} deposit for the equipment I would receive. I said I would prefer the {$100.00} deposit and did not want them to run a credit check, therefore declined to provide my social security number and date of birth. 

I received noticed that a new inquiry had been opened through Equifax through XXXX XXXX on XX/XX/XXXX according to XXXX XXXX and on XX/XX/XXXX through XXXX. I did not authorize them to do this. Looking on XXXX XXXX it has been listed as a Hard Inquiry and has decreased my credit score. The address the inquiry request originated from is : XXXX-XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE I called the company on XX/XX/XXXX and was not given a response and was told they have never heard of this before. Through some basic XXXX search, found this has happened a number of times to others where XXXX ran hard inquiries without authorization from the customer. I have not been contacted back from XXXX as they said they would
Hunter Warfield has been calling me non stop over and over again. When I moved from my apartment complex in 2014 I gave notice paid them and I paid Hunter Warfield. Then four years after I move from the apartment complex and Hunter Warfield added a {$500.00} to my credit report when I sent the debt validation request all they sent me was a copy of my lease, not a claim or any other reason for charging {$500.00} because I never did anything.
I did not know I owe any money to XXXX XXXX XXXX XXXX XXXX until I schedule an appointment. Therefore, I, immediately, paid {$200.00} to XXXX XXXX XXXX XXXX XXXX in XXXX, New Mexico. I never dealt with a collection agency in any of the dept they are reporting in their remarks as " paid collections. '' This is incorrect. As of XX/XX/2018, I do not owe any money to XXXX XXXX XXXX XXXX XXXX ; however, they are, also, reporting I owe {$200.00} on TransUnion credit report as I attached this file. Furthermore, I received a ledger from XXXX XXXX and, not a collection agency.
The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message.
i XXXX XXXX submitted all account to XXXX including XXXX for paynment to XXXX now this company call ltd financial services limited partnership have being calling my phone and now they have sent a letter to my house if i do not contact them a judgment will be force .this is the phone number XXXX ask for XXXX.
I 've filed for loan modification after a chapterXXXX bankruptcy. BankUnited erroneously claimed that I surrendered my homestead property to deny the modification. 

Further BankUnited blatantly ignored the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq. ) after Hurricane Irma which imposes a mandatory 90-day moratorium to the initiation of foreclosures and the suspension of all foreclosures already in process.
My husband and I are attempting to refinance our home. The mortgage broker sent us our credit scores and mine came in very low. We just got a free credit card report on from one of the companies that the broker gave us which reflected my lowest score. On the account we just received in 7 years for XXXX records there was actually just XXXX issue in question. And I am trying to find out more about it. But frankly to penalize a citizen in this way for XXXX issue seems outrageous. Here is a list on the brokers report of my so called transgressions - none seem applicable. 1. Serious delinquency 2.Time since delinquency is too recent or unknown 3.Proportion of balances to credit limits is too high on bank 4. Revolving or other revolving accounts. 
All this because there may be XXXX account for a small amount of money to be disputed!
I applied for XXXX credit card to take advantage of a XXXX dollar rebate if the purchase was placed on the card, I did that and followed all the instructions to get the rebate and now the rebate forms cant be found by the company.
Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and XXXX