WillisBack/dataset-financial-user-claim huggingface dataset:
I filed chapter XXXX bankruptcy on XXXX/XXXX/14, the bankruptcy was discharged on XXXX/XXXX/2014. I included my XXXX balance of approx. {$34000.00} ; this balance was discharged. XXXX sold the loan to Seterus. I have been making monthly payments to Seterus because I want to avoid a foreclosure. However, Seterus are charging me interest and will not provide me with a statement, nor will they provide me with receipt of my payments. My payments have increased from {$300.00} to over {$400.00}. I have requested pay off statements and the balance keeps increasing. Since this loan was included and discharged in my bankruptcy they should not be charging me interest. I want a refund of all of the interest I have paid them since 2014. I want a detailed list of all of my payments and I want a pay off statement. They refuse to talk to me on the phone because they keep saying I am in bankruptcy. I keep telling them my bankruptcy is discharged and closed. I need this information so that I can sell the property and I want the interest that they have charged me to get refunded. I am not liable to pay this loan because it was discharged. They are breaking the law by charging interest on a loan that was included and discharged in bankruptcy. Please help.
XXXX XXXX Please provide me with a contract and my hand written signature showing that I owe you for this debt. If I owe this debt it is with XXXX and not you guys. I demand you to remove this from my credit report or show me a binding contract between you and me with my hand written signature that I have any obligation of paying you for the debt. I also want a hand written signature from XXXX showing that I owe them this debt. If this can't be provided I expect this to be removed from my credit report with in 30 days. A photocopy of a contract will not be substantial evidence as I need the original contract to prove that this debt is mine.
They call repeatedly after being told I am trying to make my payments, I am currently paying for XXXX XXXX for my family and can not afford any additional costs, contacted my ex who I am separated from and gave them information on my account such as amount owed, when account was opened, past due amount and he can not even verify the last four of my social security number. they're also repeatedly calling my ex in laws as well
Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
I paid this debt In XXXX, It still went on my credit report as unpaid even after I paid it in full, I contacted the credit collection and they removed it, however, they still continue to send me notices and put it back on my credit report as a debt. I have contacted this agency more than once, I have also submitted proof of payment, which is attached, my bank statement showing the payment in full, back in XXXX.
In XXXX I signed up for a XXXX XXXX XXXX credit card from US Bank. I met the minimum spend but was not awarded the bonus points on a technicality that it was met on my Husbands Authorized users card. US Bank has a convoluted system where they have a central billing system, and the XXXX account and primary account are separate. Their terms do state that the sped must be met on the primary account holders account, but their system is so confusing that most people would believe that the primary account included authorized users, which it does not with them. They really confuse their customers with this system, and even though they received my business and my spend they refuse to award me the points that i deserve by meeting the minimum spend. I think it is unfair that they do not explicitly state these terms so that their customers understand their system, and their requirements to earn these points they offer to get new business accounts. It is an unfair practice that needs to be changed.
On XX/XX/2018 at XXXX XXXX  MST I received an Alert to my Text Messages from Netspend Credit Card stating suspicious activity on my account and so I immediately called it using my PIN. at the same time 3 separate transactions were taking place. At around XXXX XXXX I got the rep on the phone an we went thru the process to identify me and completed that once that was done the payment that caused the alerts started to process thru my account {$10.00}, {$200.00}, {$1100.00}. she was able to stop the {$200.00}, but not the {$10.00} and {$11000.00} as the block was removed at XXXX XXXX. This Netspend company did not stop these transactions even after I said they were not me ... .I was provided the PIN the unauthorized user used which was XXXX which is the last 4 of  the card NOT the PIN. The funds or transactions were actually ok 'd and  my account was deducted. I explained this is my Rent and i need my money as this was there ERROR releasing the information. I was told it would Escalated and Disputed was it processed. I attempted to call XXXX XXXX XXXX where the purchases took place as well, and was told I would need to Dispute with Credit Card company. I have requested this is am XXXX XXXX an email advising of the Dispute requested and I was told they could not provide this information. I need this information to provide to my Rent Provider to make them aware ... I was told it takes 10 days for this to be Disputed ... I have been met with unsatisfactory service.
Santander Bank held a XXXX yr CD XXXX # XXXX XXXX for $ XXXX which was due to mature on XXXX XXXX, 2016. It was initially taken out with Sovereign Bank but had been taken over by Santander several years ago. 
I phoned and then sent a registered letter asking that the money not be reinvested but returned to me along with all interest at maturity. Evidence : Copy of registered letter requesting closure along with signed receipt. Told by a junior staff member ( XXXX XXXX ) that the letter was entered into my account on XXXX XXXX. 
In the event, they went ahead and reinvested it and would not reply to me even thought I sent other registered letters. This time asking formy money and the interest that was due to me. 

After nearly two months, they sent me the initial sum but did not pay the interest that should have accumulated. I have all these letters and consistently, by phone, nobody will take responsibility for the lack of response to my instructions over all that time. Indeed, now that they have finally paid the core sum, they claim they can not gain access to answer any questions about the account! Their top supervisor XXXX '' in Rhode Island even declined to talk or listen to me because " She can not authenticate me '' because they no longer had details of my account available.
I deposited a third party check into my account through an A.T.M machine at my financial institution Bank of America on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been " reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to " what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility?
That they remove this account. Every month adding more onto the balance since XX/XX/XXXX. In XX/XX/XXXX they served me with papers to sue me at my home address at XXXXXXXX XXXX It was not even a real summons. Fake paper work.I tried to work with them .They insist on the full amount. {$3500.00} the amount changes every month to a higher amount. They have my account like it is in collection set up like im making payments. This is a charged off account In XX/XX/XXXX or the amount of {$2700.00}. 

I have disputed it with XXXX File # XXXX Merchant acceptence is the original company for the XXXX XXXX. Now they say they dont sale their debt. They are acting like their own collection agency. But it is the same company. 
They have 2 different address XXXX XXXX XXXX XXXX XXXX WA XXXX
Experian does not have my address showing in XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX That should be under Address year at address XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Leasing Office # XXXX
I have a Checking Account at Key bank, which has been open for several years.For the past 5 weeks I have not been able to transfer funds or pay bills on Online Banking. I have had XXXX lengthy conversations with Customer Service and Online Banking. Not only has this problem not been resolved, but no attempt has been made to enable me to transfer my funds or to find an alternate solution. I do NOT understand how it is legal for the bank to deny me access to TRANSFER FUNDS from MY OWN account.I do not reside in the US and need to transfer money, as I have been doing for 5 years, from my Online Banking checking account to a foreign exchange account. This is the money I live on. My credit card payment is due shortly and I need to transfer the funds to pay this and also to pay for my everyday expenses. I find this situation untenable. Please help. Thank you
Impac Mortgage dba XXXX XXXX is my lender and servicing company. Over the last 6 months I've had to call and fight with them about a late fee that they hit me with. I have a grace period through the XXXX of each month. I make sure that the payment is in the mail like last month was on the XXXX. The address that I send my payment to is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I live in XXXX, CA and have a father in law that lives in XXXX XXXX. We send him mail on a regular basis and never has ever taken more than 4 days for delivery. I have an Insurance co in XXXX XXXX that I mail payments to and it never takes more that 4 days to deliver, but for some reason Impac Mortgage takes 10 days. I then end up with a late fee that I have to fight about. So XX/XX/XXXX I mail the payment and it was not processed until XX/XX/XXXX. I feel this a way for them fleece their customers. 
I will be moving this to an online payment so to avoid this in the future but It just grinds on me that they do this and then I have waste my time fighting with them. 
thanks XXXX XXXX XXXX, CA
In XX/XX/XXXX, I made 2 purchases of digital currency through Coinbase. On XX/XX/XXXXmy debit card was re-charged for these same purchases. Coinbase recommended that affected customers seek charge reversal through bank, which I did and my account was re-credited for only the duplicate charges. On XX/XX/XXXX, I was told by Coinbase that my account was locked until I completed payment for 2 purchases. Those transactions in question were the same transactions completed in XX/XX/XXXX, that I was double charged for in XX/XX/XXXX. I sent reference codes for purchases, and bank statements proving payment to Coinbase support specialists. They only reply to tell me that my account will be unlocked upon payment. I have already paid for these transactions and refuse to pay again ( {$530.00} ). My account is locked with {$1300.00} USD that they arent allowing me to access or withdraw from their exchange. I have sent them all necessary proof of payment and still they tell me to complete purchases.
I received a prepaid debit card ( XXXX ) for a rebate. Its exp date was XXXX. I misplaced the card around XXXX, and just found it. I called the issuer ( Citibank ) to request reactivation/replacement, as the CFPB says is required. They said they could not, that the remaining value ( ~ {$26.00} according to their records and mine ) was forfeited. I 'd like to get that repalced correctly. Thanks.
i have had a spark business capital one credit card for over 20 years, i never have been late and always paid in full every month, i just received a letter today informing me that my card was being closed by them because after a review they determined that i do not align with their policy.
Filed a complaint in regards to a debt that was incorrectly reported. XXXX XXXX did not make any meditative measures to remove the two blemishes that followed a move and a new address they had on file. This was a debt that PayPal was already in trouble for by the CFPB ( https : XXXX ). Just because XXXX XXXX " decided '' to close my account- it did not make the debt less frivolous and riddled with illegality. I had a clear pattern of not missing a payment ( other than the 2 months during a move ). Closing an account that I had actively been making payments on does not constitute a good faith business practice and is rather tangential to defamation. Keep in mind I have taken out several loans with high interest and been denied for a student loan. My credit score was at the mid 700s until I caught on to this blemish.
I have been having major issues with Navient ever since they acquired theses student loans from XXXX. I have tried to put these student loans on an Income-Based repayment schedule at least twice and now they are saying that I am at least 60-days past due!! I do not understand what is going on. Please see the time line listed below : 1. Statement Date : XX/XX/XXXX : Navient stated that current and past due amount is {$0.00}. However, the letter also states that the amount payment due is {$250.00} in unpaid fees. How can you calculate this amount from a {$0.00} amount due? 
2. Date : XX/XX/XXXX : Navient stated that the 12-month IBR period will expire soon and to continue with the plan, please reapply XX/XX/XXXX. A IBR request was made on XX/XX/XXXX, so how is this possible? 
3. Date : XX/XX/XXXX : Navient stated that on XX/XX/XXXX, the loans enrolled in an IBR plan is set to increase to {$1100.00}. 
4. Date : XX/XX/XXXX : Sent Navient another IBR plan. 
5. Date : XX/XX/XXXX : Navient stated that as of XX/XX/XXXX, the outstanding past due payment is {$1100.00}. 
6. Date : XX/XX/XXXX : Navient stated that the account is 30 or more days past due in the amount of {$2200.00}. 
7. Date : XX/XX/XXXX : Navient stated that the account is 60 days past due in the amount of {$2200.00}. 
8. Date : XX/XX/XXXX : Navient stated that the payment in the amount of {$3400.00} is seriously overdue- let us help. 
9. Date : XX/XX/XXXX : I sent Navient received a certified letter from me, demanding proof of these alleged proof of debt and charges As of today, Navient constantly call me at least 5 times a day and leave numerous voicemails on my cell phone. They are unwilling to abide by the IRB plan that I have submitted twice nor will they provide proof that they can collect on these accounts. I am having multiple health issues to the point that I just recently had to take sick leave from work!!!
Wells Fargo Student Loan reported for 4 years that the amount due monthly on XXXX different loans was : 1. {$11000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
2. {$17000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
3. {$2200.00} per month, paid monthly for 56 months = {$120000.00} Add all these loans the total debt Wells Fargo reported to credit bureaus is {>= $1,000,000} due. 
They have reported this to all XXXX credit bureaus for the past 4 years, causing my debt to income ration to be over 5000 %. Furthermore this is not accurate and there is NO student loan over XXXX dollars, especially not for the XXXX College I attended. I have disputed this inaccuracy for 4 years with the credit bureaus and Wells Fargo ; neither party has corrected the credit file. To add insult to injury XXXX of these loans are not mine, which is proven by the forged Master Promissory Note, and the second Master Promissory Note is not signed, Wells Fargo mailed these documents to me XX/XX/XXXX. 

Throughout the years as I have disputed the accuracy Wells Fargo has changed dates repeatedly and or re-aged the debt. Also on XXXX they deleted the terms but left XXXX and XXXX the same both still reporting over XXXX debt. Or the date updated will change if if they was no actual change to the date. 

XX/XX/XXXX Wells Fargo sent me a XXXX Cancellation of Debt -Decision to Discontinue Collection. However these accounts still show on my credit report. I called them XX/XX/XXXX and requested they delete the accounts now that I have to take the matter up with the IRS, XXXX the account manager refused and said they have been reported correctly, however they did not review all the disputes I have sent over the years. 
This has negatively affected my ability to obtain credit, buy a house and has been very XXXX. I have been forced to pay higher interest rates. Wells Fargo wrote this loan off and I am sure deducted in their business taxes, they should not be allowed to report inaccurate information and now claim double jeopardy by getting a business write off and continue to affect my credit worthiness.
My ex wife was awarded a car in our divorce and is not making payments yet I am the one that the creditors call and harass my credit has already been destroyed I just want it to stop and why does my credit have to suffer
I have a loan with CONN CREDIT CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.
First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was financed by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original loan of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX , Experian,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX
I 've been paying Navient for 11 years, on a {$2600.00} student loan. Every month, I pay a minimum of {$48.00}, totaling {$4600.00} and a total of 100 payments. Please help me, I still owe over half of the original balance. 

Thank you, XXXX XXXX
AFNI XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX The above entity has fraudulently made claims that an old cable utility account ( XXXX XXXX ) is only 1 year and 3 months of age and therefore derrogatory. The account was opened and closed 8 years ago and has passed the statue of limitations. This is the second time this company has attempted to illegally collect on this debt and fraudulently report an incorrect age of the account in an attempt to extort money and damage my credit rating. Also, I have received no written notification and none of my attempts to contact the company have been successful. Neither calls nor written letters have been returned. I only discovered this report when I noticed my credit score sliding through a banking application.
Transunion, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by Citibank.
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/, 2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.govXXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX PCC NO. XXXX, SB NO. XXXX XXXX XXXX. XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.