WillisBack/dataset-financial-user-claim huggingface dataset:
I am Low Income and on XXXX. I telephoned Delta Management collection agency to inform them that I would like to rehabilitate my loan. First they tried to talk to me into a discharge. I explicitly informed them That was n't my best option and I knew my rights. this went on seemed like XXXX minutes and they finally agreed to send me paperwork for rehabilitation. So I gave that seven days for that to reach them by post mail. I called them and they chose to give me the run around again. I then had to call XXXX because somehow my account was suspended for XXXX days. they said I had to call XXXX. At which point I did and XXXX was even fruststrated. XXXX then told me I have the right to do whatever I would like to do in regards to my loan. XXXX then directed me to call the department of education inorder for the XXXX to contact delta management to get my rights addressed and my loan rehabilitated. Now the D.O.E just tells me that XXXX XXXX can take care of everything I need to rehabilitate the loan and that XXXX XXXX are the ones who have the right to choose not to honor the suspension and go ahead rehabilitate my loan. So I called XXXX XXXX and was hung up on mid conversation. I then got in touch with a supervisor haworth who told me I had to call XXXX or the department of education. called everyone twice and they all had me calling the other .wether it be XXXX, XXXX. or Delta Management. This went on for over an hour and still nothing is resolved. So I then get back on the phone with XXXX and they give me an address to D.O.E to write them a letter to get off a XXXX discharge program. in which I never wanted to be on. they say it 'll take XXXX days for that to go through. I just wanted to rehabilitate my loan. 
I spoke with XXXX XXXX at DELTA MANAGEMENT Associates XXXX XXXX is also with Delta Management Associates on my File. 
I spoke with XXXX XXXX at XXXX. debt colections division and she tells me just send me the agreed amount of rehab payment. with no rehabilitation aggreement .And it is my understanding XXXX. can not accept any monies unless it 's full amount of loan once it is in possesion of collection agency. I Informed XXXX XXXX that i was contactiong CFPB and she says to me well let me write a little note about advising me that I can hust sent the rehab payment amount to them YOU DO NOT HAVE A DESCRIPTION OF MY ISSUE. But falls under Communication Tactics. Dis regard frequent or repeated calls to me by them. But I am the one who made repeated calls to them
Rabobank NA is hassling me when I call in for help with online banking. 

Today is called my local branch to reset my password was told some very simplistic thing then called the other numbers. Despite trying to reset online and asking for online support I went back home and tried calling again. 

I just get attitude from them. They wo n't help. The girl at me local branch snapped at me. This is some who has been helpful in the past and is suddenly aggressive, not listening, seems very passive aggressive, she is telling me to not raise my voice and they refuse to help me. 

She even said I would n't be able to resolve it at my local branch in XXXX XXXX, CA either. I feel like I wasted my entire morning on these people who are just rude from the get go. They do n't appreciate people and seem to be waiting to set you up with lots of inappropriate questions. The are apprised of account activity and yet I 'm waiting for some help. 

This is very unprofessional and I want to file official complaint.
I was in a car accident and had a total loss on my XXXX XXXX. I contacted the lender and made them aware of the total loss, let them know who my insurance was, and that a check would be on it's way. My total loss occurred on XX/XX/XXXX. I followed the processes immediately that were necessary. I stayed in constant communication with the lender and made them aware when XXXX XXXX sent the settlement check. Additionally, I let them know that the GAP insurer would be paying out shortly after, but that the check had to be transferred from XXXX XXXX before they'd pay out. I was told that they couldn't find the check and that it could take up to 4-6 weeks. I called XXXX XXXX and they stated that the check was signed for on XX/XX/XXXX, however it wasn't processed until XX/XX/XXXX. I had to call and throw a fit, giving them the tracking information and name of the person who signed for the check in order to get it applied so that then the GAP insurance would pay out. We are waiting now on the warranty refund to pay out ( which doesn't happen until GAP insurance releases the amount to be refunded ). Now, my payment ( on a note that has gone from XXXX to XXXX ... .so obviously funds have been sent ) because BBVA Compass held onto a check and didn't deposit it for 2 weeks. This greatly delayed my process in getting the account paid off in full and closed. BBVA Compass is now threatening to put a negative mark on my credit if I don't make a payment of {$280.00}. I have another loan with them now for another car and can not make 2 car payments in 1 month when this should have already been paid in full had THEY not delayed the process. They wouldn't even deposit the check they were holding until I threw a fit about it. This is ridiculous.
XXXX is a credit card from American Express created in conjunction with XXXX.I had my back pay from XXXX XXXX deposited on this card.They currently have XXXX of my back pay money held captive and wo n't release it to me.They XXXX froze it because of a spending limit being reached.So I asked to have the balance wired into my bank account, but they said they could n't do it.So, I asked if they could wire it through XXXX XXXX ; they said they could n't do that.So, I asked if they could mail it to me, they said yes, but I have n't received it yet.it 's been a few days short of a month since their promise to mail it.They keep giving me XXXX story after another.It seems to be just XXXX lie after another.I just want my money.Neither my wife or I work.We desperately need this money to pay bills and to take care of our kids.Can you please help us get our money from American Express or XXXX XXXX ; or whomever has a hold on our money.This has been going on now for over a month now.I call customer service, they put me on hold, and they come back a few minutes later with fake promises to get me my money.They claim to have put a trace on the check that they suppose to have mailed on the XX/XX/XXXX.I have n't gotten any feedback on that trace yet.They just keep telling me whatever sounds good to string me along further and further.So, I 'm currently pursuing legal action because I do n't know what else to do.I 've given them ample time to release my funds but they wo n't. If you can help me, please do.My family and I would greatly appreciate it.
My Mortgage is owned by XXXX XXXX and serviced by Seterus. In XXXX, I would have been eligible for a principal reduction for my mortgage of {$100000.00}. We were never informed of this option for our Mortgage. We filed for bankruptcy in XXXX XXXX. Our home was in foreclosure in XXXX and in XXXX of XXXX we modified the mortgage for 45 years this is not acceptable. We should have been offered a principal reduction in XXXX. The home in XXXX was worth XXXX and we owned XXXX. Now the home is worth XXXX and we owe XXXX a principal reduction is the only resealable solution for this problem. The mortgage company will lose more when we foreclose on the home. If we get a principal reduction we can stay in the home and make payments based on the value of the home. The mortgage company will recoup XXXX. If we foreclose the bank will lose much more than {$100000.00}. With a principal reduction, they are guaranteed XXXX. please refer to Schedule A Real Property in attached court documents
Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.
My name : XXXX XXXX I have credit card with American Express ( AE ). card # XXXX My dispute with AE was charged to my card for {$12000.00} without my authorization by XXXX XXXX XXXX. <P/>I was use XXXX for different job, it was paid with AE card. I use them for other job for repair the roof, this time the job was not complete, and repaired was not according what we specify, after repaired the roof still leaking, we call them many time to fix the job correctly, XXXX never come back to do the job.. XXXX using my pervious card information to charge my account, I did not know until I received my statement. <P/>My reasons for dispute 1. Charge to my card without my knowledge should consider as stolen. 2. I am not satisfied with job ; I should get my money back. This American Express card has advertising all the time. I do not understand why AE need to investigate?
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
I was checking my XXXX  ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.
I received an offer from HSBC with a credit limit of {$2500.00}. I used the card and in the beginning of XX/XX/2017 fell behind a few payments. I was having a hard time making the payments but did make try to make payments but they were not on time. I missed a few payments. They kept calling me and taking money from me but closed my account without my knowledge. I didn't find out till months later. They said that they mailed me a letter. How come they mailed me a letter informing me that they closed my account but can call me a few time a week to collect payment. I never disputed my charges or that I owe the amount. I simply needed to get caught up. I told them to reopen my account and they said unfortunately we can't do that. So I told them then unfortunately I can't pay them. They said it is still my responsibility. I agree that I entered into an agreement with them but don't understand why they can't simply reopen my account. I am will to keep making payments as long as I can use my credit. I think it is extremely unfair for them to do this. I wanted to maintain my credit with them as I have been a very good borrower. I would gladly make payments if I can use my credit card, since this is what it is for. My name is XXXX XXXX Acct number ends in XXXX. I am now 3 months behind and it is with their collections and recovery department. I spoke to manager by the name of XXXX. My number XXXX
I have a bankruptcy on my credit file. I wrote  the BK  court to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,    XXXX   XXXX    & Experian they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information f rom a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false inform ation on my credit report.
A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. 

When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. 

I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.
When I attempted to freeze my acct at Transunion after the XXXX  debacle I was misled into signing up for some monitoring service and they immediately started charging my credit card. After about a month and formal complaints they cancelled the service and refunded the charge. Since that time about every 2 weeks I receive a SPAM email ( XXXX ) from them with different offers and implying that I signed up for some service. Each and every time I receive one of the emails I have diligently followed their procedures to unsubscribe and stop receiving the unwanted SPAM. To date I have done this at least 12 times with no effect. 
How can a company that lacks basic competency or ethics to maintain a functioning cancellation system be entrusted with individuals credit history. Did they not learn anything from the XXXX negligence?
This item has been on there over 15yrs. The company went out of business yet I faxed over canceled check to collection agency years ago showing I paid the balance off. They continue to report
On XXXX XXXX, I had money coming into my Bank of America checking account from my XXXX interest account. On the same day, my landlord cashed my rent check. Due to the order in which BofA processed these transactions on that day, my account was overdrawn, and I was charged a {$35.00} overdraft fee. I made two other transactions in my checking account that day, and was charged two additional {$35.00} overdraft fees. I believe this is unfair and would appreciate your help resolving the matter. I tried calling BofA myself, but the phone hold time was two hours.
I NOTICED THAT NATIONAL CREDIT SYSTEM PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL NATIONAL CREDIT SYSTEMS. THE NATIONAL CREDIT SYSTEMS SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE XXXX  XXXX STAYED THE LEASE WAS SIGNED..
TD Bank USA, who used XXXX XXXX, and then is using Law Offices XXXX, XXXX, XXXX XXXX XXXX - who continue collection actions after a debt has been discharged by the XXXX Bankruptcy Court of XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as TD Bank are prohibited from attempting to collect the debt from me since I share XXXX of the marital property, both presently and acquired in the future. Even after TD Bank has received many notices, and a notice from CPBD and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.
It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?
Wells Fargo Reverse Mortgage has informed us that they are transferring the servicing of our reverse Mortgage to a company called XXXX. we were not advised of this until a few days ago, and that the transfer will take place on X/X/2017, and that we have no say in this matter. We chose Wells Fargo when we se t up the account because of its financial stability, and would not have chosen XXXX XXXX, and we do not want them to service our a/c now. Complaints about XXXX XXXX are numerous, and we feel we have bee mislead by Wells Fargo. we have asked for our initial costs of setting up the account to be repaid, along with the interest to date, but they have refused. We feel we have been exploited to the benefit of Wells Fargo and their profit motives. We hope you can help in this matter. XXXX XXXX Tel : XXXX XXXX XXXX
XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with XXXX XXXX. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. Experian had informed me that I could write a note on my credit report and disputed it. I told Experian that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? Experian obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!
I have been getting REPEATED calls at this number by MRS Associates ( XXXX ). They are robo calls for a woman named XXXX XXXX. I apparently inherited her phone number from XXXX XXXX. I have REPEATEDLY responded that she does not own this number and I do n't know her, but i still continue to receive calls. So I called the # and asked to speak with a representative. I was put on hold for a half hour, then was hung up on. Nothing I do keeps this company from contacting me every single day. Again, this is not XXXX XXXX phone number, nor do i know her.
On XX/XX/XXXX hours finance a XX/XX/XXXX Ford Focus from Car Hop XXXX acceptance court right off the bat I noticed some we 're grinding noises and vehicle ran rough I ask the dealer about this and he told me that I could just take it down to XXXX of their specified shop then they would fix anything wrong with the vehicle for no cost me for the first visit but also stated that after the initial visit to the repair shop all repairs would have to be approved by the warranty department so being a little naive to the whole car buying leasing financing situation and being totally stoked I even got approved I drove away in the car on XX/XX/XXXX I took the car to XXXX XXXX XXXX XXXX in missing work that day if the car was in the shop until the XXXX of XXXX when I was finally contacted by Car Hop after several attempts to contact them they told me that the warranty company would not approve the problems that the car had and asked me to come down to the shop on XXXX XXXX I called into work and XXXX ride down there to the shop long story short they wanted to trade me out cars because they did n't want to fix before they gave me XXXX options to pick from none of which were anything special I chose to go with the Pontiac Grand Am GT after test driving it and having a friend briefly look it over the car seems like it was in good condition within a few days of having the car I started to notice it ran a little hot and when it would get hot it would shift into and out of gear with a hard kick I also noticed there was some weird slushy stuff in the coolant so I took it again to XXXX XXXX XXXX XXXX where they did a full diagnostic on the vehicle and sent the results to the warranty company once again to be denied I tried numerous times to get a hold of somebody at Car Hop and at the warranty place only to be given the runaround for two days and having to pay 78 dollars to get my car out of XXXX XXXX XXXX. the warranty company denied the work that needed to be done claiming they no longer do business with XXXX and told me they wanted me to take it to their shop by Car Hop called XXXX & XXXX auto. When I took it to XXXX & XXXX Auto on XX/XX/XXXX with the same problems but even worse then before the man called me the next day and told mgr he did n't find anything wrong with the car so I argued with him a little and got him to agree with letting the car heat up got a little bit and then test drive it he says he did that and he going some spark plugs misfiring he sent that work to warranty company and again it was denied and again I had to pay 78 $ to get the car out of the shop. It 's a hole lit to explain even more than what I 've explained here but these people are really doing some shady business and I really need some help cause I have no idea what I 'm doing