WillisBack/dataset-financial-user-claim huggingface dataset:
I was involved in a wreck on X/XX/2012. Other party at fault. Had attorney to handle this matter. The day after the wreck I hired XXXX XXXX ( attorney, XXXX XXXX, MS ). Medical bills should have been handled through XXXX XXXX ( other party 's auto insurance ). <P/>Southern Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
I received a Mastercard gift card from my employer in the amount of {$200.00} in XX/XX/2018. I tried to use the card at a hotel to pay for part of my stay and it did not process. Upon returning home I tried to register the card online and found out someone had used the card ( nobody I know ) and this was fraudulent as the packaging was not tampered with or open when I received the card. On XX/XX/18 was the date I tried to use the card. Whomever stole the card and compromised it used it in XX/XX/2018 for a purchase of {$170.00}. I have contacted the customer service line to have them issue me a new card for {$200.00} and have submitted them the details I have, along with a copy of my drivers license and address to mail the new card. I have contacted them two times now with no resolution of when the new card will be mailed to my home. I have provided all the information I have to the Mastercard gift card company, along with to US Bank. I was informed that US Bank is who the card is issued from.
JUST ANSWER THESE XXXX QUESTIONS AND STOP LYING AND EVADING WHAT YOU DID AND DID N'T DO : Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 1. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 2. If not, are they only denying sending me a rejection letter on that date? 3. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 4. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 5. Wells Fargo either needs to admit they sent me something on that date via XXXX or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.
See QWR notice of Error and Exhibits. 

My investor agreed on a reaffirmation agreement XX/XX/XXXX this was signed in court on XX/XX/XXXX and filed. The investors loan servicer failed to adjust my loan to the agreement and continued to send me monthly bills that included the bankrupcty cram down. The loan servicer changed XX/XX/XXXX and the new servicer Ocwen resumed where XXXX left off with the incorrect amount on the transfer documents. Notified Ocwen XX/XX/XXXX and did not get a response or a monthly statement unit XX/XX/XXXX I guess they wanted to make sure the 3 year statue of limitations ran out just one problem now that they got the loan amount adjusted they want more than half that principle paid at once or be foreclosed on. I never even got a letter telling me why or what happened to cause this large payment. ITS CALLED DISCLOSURE. 
I have asked for copies of all periodic monthly statements relating to my mortgage and any response to my questions to be returned or responded though the CFPB to me. I have found in the past when I have asked for information that the investors or loan servicing companies respond that they will need additional time or they will respond directly to me or my attorney but end up never completing the response in full to me or sending a attorney my response weeks later but not what I asked for. I have enclosed a permission letter from my lawyer in the exhibits and faxed a copy today to my POC at Ocwen to by pass any legal confusion if that Ocwen can communicate with me. I want to make this clear that any in the form of documentation or information should be sent back though this complaint. If my POC at Ocwen needs to contact me the letter will allow this they have my number and email on file. My goal here is to have a open line of communication and resolve some errors due to mismanagement of my loan and hopefully settle it out of court.
I received a letter rom Experian National Consumer Assistance Center, XXXX XXXX, XXXX TX, telling me that the address on my credit report had been changed, on the strength of an erroneous address supplied by a company that checked my credit after I had purposely lifted a security freeze so that company could do so. As the attached letter to Experian shows, my address has remained the same, regardless of erroneous information accepted by Experian. My credit report also shows that I am " known as XXXX XXXX XXXX and XXXX XXXX XXXX, '' though my correct name is, as I have always reported, XXXX XXXX XXXX. At no time do I use an alias, and I find offensive the concept that Experian accepts erroneous information and lists it as if it were official. Having this information on my credit report may leave me open to charges of misrepresentation, or to financial fraud committed against me, such as identity theft. I demand that Experian correct my name and address on my credit report, and eliminate these alternate versions of my name that could be construed as aliases. It is a shame, and it should be a crime, for a credit reporting service to change a consumer 's personal information because of a potential creditor 's errors, so as to potentially damage the consumer 's reputation or expose him to criminal activity. People working office jobs for creditors make errors carelessly, and these should not be cause for altering personal information supplied by a consumer in good faith. Why should a credit reporting service be allowed to alter a consumer 's personal information on a credit report, based on a creditor 's office worker 's mistakes?
I leased a XXXX Jeep Cherokee through Ally Bank on XXXX XXXX, XXXX. The Capitalized Cost Reduction, as shown on the lease contract, was {$7000.00}. The Adjusted Capitalized Cost at the beginning of the lease, and the total amount financed by Ally Bank, was {$26000.00}. 

On XXXX XXXX, XXXX the vehicle was stolen and was later recovered with damages. The vehicle was then taken to XXXX XXXX in XXXX XXXX to be repaired. On XXXX XXXX, XXXX, the vehicle was involved in a fire at XXXX XXXX and was deemed a total loss. 

The lease contract clearly defines the Unamortized Capital Cost of the vehicle as being synonymous with the lease payoff amount prior to the end of the lease term. Using the formula provided in the lease contract, the lease payoff at the time of the total loss was {$25000.00}. 

On XXXX XXXX, XXXX, XXXX XXXX determined the Actual Cash Value of the vehicle at the time of loss as being {$28000.00}. On XXXX XXXX, XXXX, XXXX XXXX faxed Ally Bank a request for a Letter of Guarantee with a settlement amount of {$25000.00}. 

Rather than sending the Letter of Guarantee, Ally Bank stated that they would need to see the vehicle valuation report before issuing the Letter of Guarantee to insure that the settlement amount was for the full Actual Cash Value of the vehicle at the time of loss. 

Ally 's Total Loss Department claimed that, per the terms of my lease contract, the insurance company owed Ally Bank the full value of the vehicle so that Ally could replace their car. However, nowhere in the lease contract does it say in the event of a total loss that Ally Bank would be owed the full Actual Cash Value, the full Fair Market Value, or the full settlement amount paid by insurance. 

After receiving the vehicle valuation report, Ally Bank felt the valuation was too low and demanded the valuation be increased before they would issue a Letter of Guarantee. On XXXX XXXX, XXXX, XXXX XXXX provided Ally Bank with an increased vehicle valuation of {$29000.00}. 

On XXXX XXXX, XXXX, Ally Bank finally provided XXXX XXXX with a Letter of Guarantee stating that they would release the title of the vehicle upon receiving settlement a check in the amount of {$29000.00}. 

The settlement amount Ally Bank received for the total loss exceeded the lease payoff at the time of loss by {$4000.00}. While Ally Bank profited from the total loss of the vehicle, I was left with nothing to put towards replacing it.
My true and lawful Attorney-in-Fact XXXX ( hereinafter " XXXX '' ) contacted CALIBER HOME LOANS, INC., and spoke to XXXX, SUPERVISOR, TELLER ID. NO. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX on Tuesday, XXXX XXXX, 2016. XXXX promised XXXX that SHE will contact XXXX on Wednesday, XXXX XXXX, 2016. SHE never called. Shane on HER. When XXXX did contact CALIBER HOME LOANS, INC., to follow-up with XXXX, XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX, and XXXX, CUSTOMER SERVICE AGENT, TELLER ID. NO. XXXX gave XXXX the run around and the worst part of it all is XXXX not only refused to have a SUPERVISOR come on the line when XXXX requested for it, but she put XXXX on hold for over 40 minutes, never coming back on the line once to check in with XXXX within that 40 minutes, and then XXXX had the audacity to hang up the phone after keeping FTLC holding for a SUPERVISOR for over 40 minutes.
Harrassing me at work, telling my co-workers that I have a legal issue ... ..that I need to call ....
I have met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since XXXX
In XX/XX/XXXX of 2006 we took out a " home equity '' loan from a company call XXXX XXXX a division of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. Yes, we were XXXX. I 'll get that out right off the bat. But, this was all so questionable/illegal, at least in my opinion. <P/>They valued our house at {$170000.00}. Our house was never worth that much, ever. They somehow made that number up. we only paid {$120000.00} for it. This has to be illegal. to over value a property so they could loan {$40000.00} on it 's supposed equity. we had only had the house for a few months so there was no way there was {$40000.00} in equity in it. <P/>then, the original loan papers said the interest rate was 13.5 %. what happened next has to be illegal too. XXXX XXXX, which is actually owned by HSBC mortgage, " sells '' the mortgage to HSBC. then the interest rate goes up to 18.574 %. <P/>We have paid {$53000.00} on this {$40000.00} loan. from the original contract, they expected to be paid {$110000.00} for the loan. Now, we did XXXX sign that paperwork, but the load never should have been made on a house that was purposely overvalued at {$170000.00}. there has to be some remedy for this predatory lending. It is killing us.
XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.
My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.
Due to identity theft I had to lock my credit at all three major credit reporting companies. Equifax charges {$5.00} to lock your account and an additional {$5.00} to unlock it every time you want to allow someone accesses to your credit.     Their poorly designed web page charged me 4 times. It is nearly impossible to get a phone number with a human but when I did they had me follow a cumbersome refund process designed to frustrate consumers and give up. They admitted they had a record of the charges but still refused to issue the refund unless I went through the process.     This could have been avoided if there are no fees. There should not be a fee to unlock your credit. Locking your credit is a good way to protect against fraud. Different states have different rules regarding these fees and the federal government should step in to have a uniform no fee system.
After falling behind on my payments for some time I called in to set up a payment plan I paid a lump sum to bring my account current to that point and then established a payment plan. I have paid the amount agreed upon since then on time, but now Navient is saying that agreement is not in effect and is harassing me, my co borrower and others who I listed as references. They acknowledge the plan but deny its in effect as it 's not tied in to a direct payment plan, but when I set it up the Rep never said it had to be on a direct payment plan. They keep raising my payments, though they do process the payments I send, but then because they keep billing more than the agreed upon amount, hitting me with late fees, and hitting my credit rating hard. I can not even talk to them on the phone as they become belligerent and threatening.
The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}.

They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
Date reported- XX/XX/2018 Charge off amount- {$530.00} Lost my job so wasn't able to make my payment.
Experian said that I did not answer their questions properly and they have no human phone number - everything is done through a robo phone - when I tried to unfreeze my credit information with their robo and website - they refused to help - I am trying to buy a house and the freeze they have on my account will not let them get my information. 

This started on XX/XX/XXXX2019 - I have called every number I could find and it always sends me to the robo help - they want me to send through the mail - a copy of my SScard - my ID/DL - bank statements - utility bills. 

This is NOT secure and they will not help in anyway- I found an email address XX/XX/XXXX19 and they refuse to respond. Even if they would let me email it to them or fax it - but I can not get any help!!!! No person to talk to - what do I do now and who can help me.
I do not recognize that debt, since I paid it in full, I never received any type of payment or notification of new debt
I originally was in default on payments to a XXXX credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since XXXX of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. 
Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.
There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? 

XXXX XXXXXXXXXXXX - XXXX
Hi.. In the beguiling of the process of a refinancing the loan.. 

I specific ask some cash out. My mortage agent XXXX XXXX was who original talk to and everything when as plan i had few issues with some of the collections the i told them the i want to avoid pay them, for a reason, I ask a XXXX k cash back so i can pay and seatle my self for a low amount of money and safe me money of the end.. 

But the problem i have now they when and go ahead and pay all this collections with out telling me about what was being pay.. i thought i was getting the XXXX but they pay all this accounts by not letting me know.. they lie to me and i got on XXXX ..in return they pay all this accounts and after all this accounts i got left XXXX my irritation with the company is that i was not aware and they new that and didnt tell me ... now i have a refinacing house with outrage interest.. 

I trust the agent to do keep me inform and advice me of bad situation but at the end they just want the sale didn't care about the person behind.. 

this situation got me so rage and cost me XXXX dollars for their actions ... 
mister XXXX XXXX when i confronted accepted the mistake i have one audio recording as well that he was accepting the mistake he made.
NONE OF THE ABOVE - YOU NEED MORE CHOICES. Read on and decide which choices to add. 

When I called Advantage Group on XX/XX/2017 to pay the amount I owed, I discovered they have been charging 15 % interest. So I told XXXX, the rep, that I would pay it all if I got confirmation right away. I needed it right away because of a job that I applied for. XXXX, the rep said she would send something out on Friday, XX/XX/XXXX, so I waited all weekend and did n't receive confirmation. When I checked my online bank statement over the weekend, I saw a charge of {$6.00} and an XXXX number to call. I called to find out what the {$6.00} charge was for and a recording said that any agency using their service must disclose that. Advantage did not disclose that to me and that is why I did not think that the charge was for the collection agency, because I specifically asked if there was charge to use my debit card to ay the debt and was told no. If there was a charge, I would have used an electronic check or some other means to pay. 

On Tues XX/XX/XXXX, I called to find out the status of my confirmation letter, I have not received it yet. XXXX told me that it will be sent on Friday, XX/XX/2017. I told her that I needed it by the XX/XX/XXXX and I specifically told her that when I talked to her on the XX/XX/XXXX, otherwise I would not have paid it all off. AND because of the 15 % interest, I would have made payment arrangements. This place lied to me just to get me to pay the entire debt at once, as opposed to having me set up a payment plan or working something out. It is urgent to me because I need to get the problem fixed and off my credit report for a job. 

During my conversation on XX/XX/XXXX with XXXX the rep I told her that I specifically asked about any charge and she said that she told me and she said that someone else told me when she had someone else on the line. NO ONE told me. I would not have used my debit card knowing I had to pay {$6.00}. 

I feel that they lied just to get me to pay it off, told me what I wanted to hear just to get me to pay it off. I have XXXX money, I have no job and no income and I was trying to get a job and the prospective employer did a credit check and told me to fix the problem before I can move forward in the process. 

So, not only am I out the outrageous fee, I paid the entire amount that I ca n't afford and I will not get the job because I needed to provide proof to the employer by XX/XX/XXXX and XXXX told me I would receive confirmation by then ... ..she lied. Plus, I would have simply set up a payment arrangement plan and used checks in the mail and saved money. 

Their practice of collecting money is not fair and I do n't think they should be allowed to charge interest when they did not try to get in touch with me after I moved out of the state. I submitted my change of address with the U.S. Postal Service, but they did not send me anything to my new address. 

Someone of authority ( You ) should tell them to get their act together. People ca n't always afford doctor bills and they are preying on that! Thank you.
Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation
I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became " locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said " not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do.
Hello, I am having such a hard time dealing with Navient right now I really need help. I am currently unemployed and have been in a IDR since I began paying off my student loan balance. Currently I can not make payments due to my financial hardship, XX/XX/2018 has been a difficult year for me and havent had work for several months. Speaking to the Navient representatives over the phone I keep being told that my only options are forbearance or deferment. I have to renew my IDR every year and the last company I worked for in XXXX, CA DBA, XXXX XXXX XXXX will not send me my pay history for the life of me. Now the company is operating under a new DBA, XXXX XXXX. With that being said I can not renew my IDR payment using the money I generated from my last job, and if I were to use last years tax return my payment would be over $ 300/month and I am barely surviving right now. There has to be other options for somebody who is unemployed and making no income. I have already been steered to jumping into a forbearance and I was misinformed that time and they are pushing me to that option again. 

Please help me! 

Thanks, XXXX
I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!