WillisBack/dataset-financial-user-claim huggingface dataset:
i was contacted threatened with legal action if I did not pay was told that a court date was set and that they would be suing me I was told if I did not pay I could be arrested I was not verified no attempte to collect a debt and now they are refusing to up date on my credit report or provide me a letter I am contacting my attorney to file legal action on this company and will be contacting the XXXX
Bank of America closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems.
I have XXXX private student loans with XXXX separate companies. Both cost $ XXXX, each. I have tried desperately to decrease the monthly payment but neither XXXX or navient are willing to work with me. They both report my parents, who co-signed back in the late XXXX have the financial means to pay if I do n't, this is absolutely false. My father is in poor health, both are retired and in their XXXX. I am current with XXXX XXXX at the moment but Navient was supposed to be withdrawing my monthly payments from my checking account. I did n't have enough money in the account one month and they placed me in default. I was told that I can either pay a lump sum by out, borrow the money from my parents who Navient says have the means, Im certain they do not. Or pay $ XXXX, 3 times more than the payment I was unable to manage.
I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation. 
They sent it to debt collection - reliantcapitalsolutions. 
And now the debt collector wants {$7500.00}. 

I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.
I had a Bank of America cash rewards business credit card. The card had accrued around {$160.00} in cash rewards. The bank decided to close my credit card XXXX 2016 and has refused to pay me the {$160.00} in rewards earned. I have spoke with Bank of America customer service and wriiten to the BBB.
XXXX XXXX in North Carolina erroneously charged me {$270.00} in fees for doctors appointments in XXXX and XXXX XXXX that resulted in XXXX collections accounts being sent to Optimum Outcomes Inc. Optimum Outcomes listed these accounts on my credit file in early XXXX. After contacting XXXX XXXX 's billing department to research the erroneous charges, they pulled the accounts out of collections and closed them/zeroed the balance ( to date, their systems show these accounts as closed ). It was also updated at Optimum Outcomes to show the accounts were resolved/closed. At the time, these accounts were removed from my credit file. 

In XXXX XXXX, these accounts reappeared on my credit file ( I was given no notice via mail or phone that these accounts were reopened or there was an attempt to collect a debt ). In late XXXX, I called XXXX XXXX 's billing department and XXXX XXXX confirmed the accounts were still closed with them and they had not taken any further action. I contacted Optimum Outcomes and was told their systems showed the accounts as closed. They advised me to contact the credit bureaus to dispute the items as they had no explanation for why they reappeared. I disputed with all XXXX bureaus. XXXX researched the dispute and informed me that Optimum Outcomes responded to their inquiry stating the accounts were open and unpaid. 

These accounts were closed in early XXXX, there is no reason why they should be open as I do not owe XXXX XXXX or Optimum Outcomes any balance. 

This has negatively impacted my ability to refinance my home as my credit score has dropped dramatically. I can no longer secure the rates that would have been available to me before my score dropped.
I have requested paper work from citimortgage payment history from XX/XX/2005 to present with no avail. I was told by a company name XXXX XXXX  that they are now servicing my loan which I was not aware of. 

I requested for full payment history as well as pay off of loan to see all payments that involve prinicipal and interest estimated two weeks ago.. It was stated that it will be sent and it will not take long due to office being in area to ensure accurate information. It also appears my acct number is changed as well which concerns me being my main loan and this one is  80/20 loan harp modification loan. 

I made payment XX/XX/XXXX and was cashed by citimortg but XXXX XXXX states they don't have the payment from them. I have requested to citimortg to send them the payment as XXXX XXXX stated this is generally done but has not. 

I am frustrated because it appears that citimortgage have cashed this by my financial institution and payment for over a month now and may be causing me unnessary late fees and I want to ensure this is taken off my acct and reflected correctly.

I spoke to citimortgage and was transfer four times and spoke to someone name XXXX who continued to talk over me and instead of sending it to them has no real reason why they was holding monies who was supposed to be transfer to XXXX XXXX which was not. 

I requested for the agency that oversee mortgage lenders which is stated it was none which was not the case by the rep name XXXX. He needed additional training in all areas dealing with customers. 

Regardless of my serveral attempts to make sure my acct was rectified have no avail and would like this matter to be rectified and corrected with regards to any late fees and to ensure my modification and terms are honored. Thxs In advance any and all assistance is appreciated from your agency. 

Mrs. XXXX
Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed.
I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.
There was a debt of {$4900.00} from XXXX-XXXX XXXX in XX/XX/XXXX. XXXX XXXX   contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX. The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. XXXX-XXXX XXXX would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and XXXX-XXXX XXXX over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to XXXX-XXXX XXXX, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or XXXX-XXXX XXXX willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the XXXX-XXXX XXXX customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to XXXX-XXXX XXXX  and the Collection Agencies.
This creditor is and has been reporting an account to my credit report that does not belong to me. 
I have never opened an account with that agency and I have not received documentation confirming I signed and acknowledged ownership.
Midland Credit Management has outrageously ignored my validation requests for an alleged debt that they say I owe. They have NOT sent me any of the information that I have requested so that I may look it over front and back and verify it as correct/incorrect, mine or not mine. Instead, they simply sent a COPY of a bill as well a two delay/avoidance letters saying they do not understand the nature of the dispute and they need me to send them documents! I do NOT have any documents hence the reason I am asking THEM for validation of what they claim I owe them.They need to show me the documents that I have requested. All along they are continuing to report this to all XXXX credit bureaus and in their letters, they state that they are attempting to collect a debt ... which both violate FDCPA section 809.
I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
I 'm have a problem with Experian reporting my account correctly. I have XXXX student that are being report as closed when they are actually open & in good standing. I called and the rep states to me that they do see my XXXX & my XXXX account. But he said there marked open on his system. I have had my XXXX loan sense XXXX my XXXX sense XXXX XXXX. It 's now XXXX XXXX so why are my account that showing this impacting my credit score negative. Because these open are stated close and have a balance. He claim the system needed to update but it should not take months to update an account from close to open.
Blatt , Hasenmiller , Leibsker & Moore , LLC has sued me and has been going to court dates without my knowledge of any of it. They are sueing and has threatened myself and my employer ( as of yesterday XXXX/XXXX/XXXX ) for garnishment of wages, all for an old XXXX XXXX XXXX that I did have about 8 years ago that was left with maybe about {$80.00} balance on the card before I closed it. Blatt , Hasenmiller , Leibsker & Moore , LLC is now attempting to garnish my hard earned wages without any of my prior knowledge in the amount of {$2100.00} for the aforementioned old credit card debt. They have not contacted me, and I have not received any mail from this company ever. They called my employer yesterday ( XXXX/XXXX/XXXX ) for an " active employment verification '' and my employer told me that Blatt , Hasenmiller , Leibsker & Moore , LLC had forced them to complete their garnishment report and said that it was court ordered. My employer told me what was going on so I then called the number back that they 'd called from and spoke with a representative of Blatt , Hasenmiller , Leibsker & Moore , LLC, named XXXX. XXXX explained to me that this was from that old credit card from XXXX and that it is too late for me to do anything because they were already in the garnishment process and told me that they were taking 15 % of my wages until they reach a total of the {$2100.00}. He told me that they will not offer me a payment arrangement, or a settlement because they did n't need to as they were already going to just TAKE the full amount. I do not owe these people {$2100.00}, I have never received any communication nor court papers from these people and now Blatt , Hasenmiller , Leibsker & Moore , LLC has said that they have another court date on XXXX/XXXX/XXXX at the XXXX XXXX at XXXX ( which I still would not have known of if I had n't reached out to them ). These people are bullying a law abiding, tax paying single parent like myself and I am sure many others as well. Now I have to take off of work on Tuesday ( losing more money ) to go downtown to see what can be done. Although XXXX told me that nothing can be done and that they are taking everything. How is this possible? They have also had a really negative impact on my credit report in the public records section. The actual credit card is no longer even on my credit. Please Help Me. Thank you.
Experian is not allowing consumers to dispute and upload evidence on our behalf proving beyond a reasonable doubt that they are reporting false and inaccurate information on our credit reports. So I am uploading this information for you to submit on my behalf. I have proven beyond a reasonable doubt that all information is true and correct. They like  XXXX  and   XXXX   are committing fraud by not allowing consumers to upload evidence proving accurate. It is a scam to try and get money out of the consumers. They are abusing and in direct violation of anti-trust laws, according to the FTC.
On XXXX XXXX, XXXX we filed for chapter XXXX bankruptcy which included a large number of mortgage payments. In XXXX XXXX, I received a copy of a motion for relief from the automatic stay in the mail. Nationstar mortgage was asserting we were 3 months delinquent. This came as quite a surprise to me as our first post petition payment was due XXXX XXXX and we had made a payment in XXXX and XXXX. There was one payment not made because Nationstar insisted we had a different post petition start date than I thought and that we were ahead by one payment. I contacted Nationstar almost daily from the date in XXXX I received the motion until the first hearing in XXXX on the motion. Each time I talked to them they told me the payments were there in the unapplied funds account and that they were n't being posted because my post petition payment was less than my pre-petition payment and the system was n't recognizing it as a full payment. Each time they said they were forwarding a request to research asking them to apply the payments. I continued making payments and made a payment in XXXX, XXXX ( which cleared first week in XXXX because of the holiday ) and XXXX. The first hearing was continued because Nationstar 's attorney 's had been unable to reach them to discuss the proof of payment I had sent in. A follow up hearing was scheduled with the same result. The hearing was then continued to XXXX XXXX XXXX. At that hearing the attorney for Nationstar stated that they had accounted for all payments but one - which would be the one Nationstar 's reps insisted I did not owe due to my first post-petition payment due date. The hearing was continued yet again for another two weeks. My attorney had stated that if I did n't have evidence of the one remaining payment that we would be able to do an agreed order and make that payment up over 6 months. The next thing I knew, I got a copy of an order in the mail from the Trustee stating my attorney had erroneously withdrawn our objection to the motion to dismiss and the motion had been granted. When I asked my attorney how they planned to correct this error they indicated they would reach out to Nationstar 's attorney and try to get them to work with me. Now, the attorney is coming back stating I owe payments for XXXX XXXX through XXXX XXXX. The payments they had previously acknowledged as received, they are now stating are delinquent again. Nationstar is clearly not applying payments correctly, timely or appropriately. They erroneously filed for the motion for relief when I was never 3 months delinquent and I am now fighting against foreclosure. To add insult to injury, they want me to cure all post petition payments ( which I have already made and provided evidence of, exlusive of one payment ) but also to pay their attorney fees when they never should have filed the motion to begin with and they still seem to be incapable of posting my payments. I am at risk of losing my house when I have made the post petition payments as agreed. I also fail to see how they can require me to pay attorney fees that should have never been incurred in the first place.
Caller called 4 times in less than 24 hours including calling my workplace and did not verify my information before going into a statement on collecting debt. He called on XX/XX/18 at XXXX XXXX ( left a voicemail ) and called immediately again at XXXX XXXX. He then called on XX/XX/18 at XXXX XXXX and then called my workplace at XXXX XXXX. I told him not to call me repeatedly. 

The company name was identified as Admin Recovery.
We were supposed to close on XXXX XXXX XXXX and the mortgage banker had assured me every step of the way that we would close on time. Regardless of what the reasons and excuses were, we had completed everything on our side in a timely and orderly fashion. It was however, the mortgage banker 's responsibility to make sure everything on his end would go through, as well as plan for contingencies as this is part of his job responsibility. In addition to the failure to close on time, I was also assured several times by the mortgage banker 's supervisor that we would close on XXXX XXXX which then changed to XXXX XXXX. Subsequently we were not able to get possession of the house due to the title company that Nations Lending chose, which could not get everything completed on time. And to add more insult to injury, closing was scheduled at XXXX and the mortgage banker did not inform me that the title company on our side was rescheduling at XXXX, which then delayed taking possession of the home to the XXXX and made us look like fools at the closing table when the seller 's side had showed up with their title company. This has caused a moderate amount of hardship due to having to reschedule moving plans which increased the moving costs, days off for my wife that can not be taken back which were wasted, and general financial problems and stress as a result of this. Nations Lending supposedly prides itself on excellent customer service, and I feel that I have not received excellent customer service. All I got were irrelevant excuses. At best, the customer service was below subpar. 

In addition to the above, the mortgage banker that was working with me supplied me a different customer 's personal information which is a breach of privacy.
This is my XXXX complaint against Equifax in reference to the following fraudulent accounts that do not belong to me : XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX and XXXX XXXX XXXX. In my previous XXXX complaints, I attached supporting documentation which included my incarceration date and a letter from XXXX XXXX for proof that I am not liable for the accounts. Equifax has refused to review or accept the documentation as proof, I am not liable for the accounts. The documentation is proof that I am not liable for the accounts and they do not belong to me. Someone stole my identity and opened the accounts. I am a victim of identity theft.
XXXX XXXX has charged incorrect interest, has changed its rates from Fixed to Variable rates without full disclosure. Then XXXX XXXX changed its servicing name to Navient.
I DISPUTED WITH EXPERIAN ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH CREDIT ACCEPTANCE. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH CREDIT EXCEPTANCE, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX
I have written to the  XXXX  credit reporting agencies also  XXXX    XXXX    about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from them
On XX/XX/2017 I noticed ACH fraud on my account and reported it immediately. USAA instructed me to open a new account online and were not open to assisting me. After completing this task I called back the following day to inquire about my debit card. Since the compromised account also had my direct deposit this needed to be changed as well. 

All being said, I still had zero access to my money either by check or debit card. Phone call placed to the agency on XX/XX/2017 to inquire about the status of the debit card to only be told " you can find that information online ''. I asked to speak to a supervisor and the call was dropped. Called placed on XX/XX/2017 and spoke to XXXX. She advised it had not been 10 business days and she could only cancel and reorder a new card. XXXX proceeded to explain how this is the " only '' way to get my debit card. The option for overnight mail or 2-3 business day delivery was not available. I asked XXXX to arrange for a manager to contact me and to this day has not happened. 

As of today, XX/XX/2017 I have not received a debit card or checks to access my funds. I called USAA and got disconnected by XXXX. I patiently redialed and spoke to XXXX and asked for a supervisor. She then transferred me to XXXX who was a " supervisor of policy services ''. Clearly the breakdown of communication is rampant. I requested to speak to a supervisor in banking. Then transferred to XXXX who is not a supervisor. Finally, a supervisor by the name of XXXX took the call. She proceeded to explain to me that XXXX never arranged for a supervisor/manager call back. Additionally, she was able to cancel the initial debit card order and send it 2-3 business days. 
This contradicts was I was told by XXXX as well. XXXX was helpful and seemed bothered by the fact that she had to " order checks '' for me. When asked for a tracking number on the debit card she explained that I would have to call back to get the tracking number. What is the point of having " secured messaging '' within the USAA.COM portal? 

This experience goes beyond unacceptable. I am escalating this complaint to the Consumer Financial Protection Bureau so that Federal and State Regulators are made aware of this experience. 

USAA was a trusted financial institution who has clearly failed in this regard. 

XXXX Veteran