WillisBack/dataset-financial-user-claim huggingface dataset:
I was sued by Wakefield and Assoc. for medical debt. They served my ex, where I didn't live any more. Upon receiving garnishment papers at my work I attempted to work out paying off the debt. Unfortunately I was unaware of where they were applying my payments, they manipulated moneys to a really old account in order to try and keep it in statute. Keep in mind I paid these people close to {$3000.00}. I tried at every turn to work with them and settle. They wouldn't settle the last debt because of a {$70.00} difference. The account is over 7 years old, they can not collect legally, and they have not attempted to. I disputed it with Credit Reporting Agencies ( XXXX, XXXX ) but Wakefield is constantly changing payment and reporting info to keep it on my report. They have reported " no payments '' on this account, changed dates, threatened legal action-out of Colorado Statute, and lied about placement of payments. These people will try anything to destroy your credit or hold you hostage, and they will refuse a settlement over {$70.00}, that is how they operate. Disgusting.
My old XXXX credit card account that was included with my bankruptcy that was discharged last XXXX of 2014, still appears on my credit report and indicates " Account Status Open - Derogatory ''. The account is not open and should be listed as closed. This is negatively impacting my credit report and I would like it removed. 

Thank you,
I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!
I visited XXXX 's in XXXX, Tennessee on XX/XX/2017. I tried to write a check for {$70.00}. I 've shipped at this store for years. The cashier told me my check was declined. I said there is no way. I work at the credit union the check is drawn on and there is money in that account. I 've never bounced a check in my life. I asked th cashier to run the check again and it was declined again. Another associate tried it again and still declined. I asked for the phone number and called Certegy Check Services. I spoke with a reo that said my check did n't meet the criteria but would n't tell me why. This was a huge embarrassment for me. I have excellent credit, long standing employment and lived at the same place for over 13 years. I would like an answer as to why my check was declined. It is pure discrimination and unfair. Something is very shady about that company.
While organizing the bank statement I noticed ( finally ) a recurring charge I did not recognize. This is a CareCredit card. This was originally started by my husband back in XXXX and I believe it was a type of home loan. Unable to access anything about the card, company, representatives, I can not be certain. I am ashamed of myself that I never even noticed it. I am XXXX and now my daughter is helping me. 

I have exhausted every method to get information from CareCredit/Synchrony -- payments are recurring to XXXX XXXX XXXX. That is all I get for information. This has actually been continuing on for 6+ years! 

I did manage to get a little peek at account numbers they were helping themselves to. The original account was open when my husband was alive using a totally different account # than what I can pull up now. I did stop the account however it just kept on taking money along with extremely high interest for over 4 years. The total taken out of my checking account with the partial report I generated was close to {$6000.00}. That is without the interest! I am in disbelief that there is absolutely no way to view any information. The Synchrony " sign on '' page is almost like it is fake. They know nothing of your account when you try to get help. I am on a fixed income and it is my hope that you will be able to stop these companies that do anything they want. I am very happy I finally noticed it. The charges went from {$12.00} - {$25.00} - {$75.00} - {$130.00} and up. Oh, forgot about the late charges in fine print at the last line. Obviously you never, ever pay it down and if you are not really focused like myself, your money just dwindles away. 
Charges for interest if the entire amount is not paid by the " promotion '' window of time, they charge 29 %, RETRO from when you first got the loan! It was over {$16000.00}. I believe. Please let me know if you take these guys in by their ... just do n't forget to grab all of my money first! 

If you need to ask more questions, please let me know.
I signed up with XXXX XXXX XXXX to handle my electric bill. They Canceled my service I do not know why?. I did not cancel it. Now they have XXXX collection agency after me. The first XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX # XXXX and the other company is CBCS ( XXXX XXXX XXXX. Account # XXXX And The CBCS account # XXXX. I paid all my bills and I do not know Why they canceled me. I will not pay for something this.
Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. Since XXXX 2015, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. Despite all her efforts over the past several months, WF never sent the client a letter stating the results of her review. Instead, she received a letter dated XXXX XXXX, 2015 stating she was n't being reviewed anymore because she never provided the requested documents. Since we had provided all of the requested documents and certainly all the documents necessary for a mortgage assistance evaluation, there was no reason the Borrower should have received a letter stating such. After filing our first CFPB complaint against WF in connection with this file and a few more substantive Notices of Error, we were finally informed that WF never evaluated the client because XXXX of the forms was missing a checked box. We believe this was an error. 
Moreover, we received notice soon after the XXXX XXXX letter that the Plaintiff in the active foreclosure case ( XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX ) had moved to reset the foreclosure sale date of the Borrower 's home. The motion was submitted ex parte for the Judge 's review and was executed in chambers without a hearing on XXXX XXXX, 2015. Our firm quickly filed a motion to vacate the order resetting the sale date, which was heard on XXXX XXXX, 2015 at XXXX. During that hearing, the Honorable Judge XXXX XXXX granted our motion to vacate the order, which cancelled the scheduled sale date, and stated Plaintiff must not move to reset the sale date again until the Borrower either received a loan modification or a proper denial letter. A copy of the order is attached to this complaint. 
Right after the hearing on XXXX XXXX, we submitted a Request for Information to WF for information related to its loss mitigation programs and to determine what exact documents were needed for a complete package to be evaluated to avoid any future " document issues. '' WF sent a response dated XXXX XXXX, 2015. However, the response failed to provide any of the requested information and instead stated the Borrower should contact the Home Preservation team as the response to every information request related to loss mitigation. 
On XXXX XXXX, Plaintiff moved to reschedule the foreclosure sale again without providing the Borrower either a proper denial letter or a loan modification as the Judge 's Order required. This motion was also submitted for review ex parte and signed without a hearing on XXXX XXXX. Now this is the second time the sale of the Borrower 's home has been improperly rescheduled due to the actions of Plaintiff 's counsel and the failure of WF to provide accurate information to the Plaintiff, which it has the responsibility to do as the servicer.
I recently paid off a home equity loan with Navy Federal Credit Union. In order to pay off the loan they extorted an extra {$50.00} in fees that were never disclosed. The extra fees were not disclosed on the truth in lending statement or any of the closing documents. Navy Federal refused to remove the lien on the property unless these extra, undisclosed fees were paid.
Security Collection Agency is trying to collect a debt of {$100.00} that has been paid. This was covered by insurance and I have confirmed with the original creditor no balance was owed. I have disputed this several times and they did delete this account from XXXX, but not from my XXXX credit report. This is a false claim and it is damaging my credit and I want it to be removed from ALL credit bureaus.
hippa and cra violation of my rights Collections Midwest Recovery Systems not mine sent police report no knowledge of account police report was sent to XXXX and XXXX
We were offered XX/XX/2016 a recast offer from ditech with instructions to sign form if interested and pay the reduced payment of XXXX for XX/XX/XXXX ... XX/XX/XXXX and XX/XX/2016..after researching if to our benefit we signed and sent in payment was instructed. By XX/XX/XXXX we received phone calls looking for our payment..we explained and after searching were told the funds were in a different account waiting approval of recast..This went on each month including literally dozens of phone calls sometimes two and three daily and numerous correspondence. in the mail..Letters telling us we could no longer afford our home and steps we could take to avoid foreclosure ... Each representative we spoke some for hours trying to straighten out the confusion told us a different story and that the problem would be rectified ..only to have a repeat performance within days. 
We are XXXX and XXXX years old respectively and neither of us in the best of health..We rely solely on our SS payments which we receive the fourth Wednesday of each Month. our Bills are payed immediately upon receipt of funds in our bank account..our mortgage payments are always made ahead of time yet since the recast debacle they keep telling us our payments are late and charging {$26.00} late fees each month ... which naturally facilitates more phone calls..one which occurred minutes before sitting down to write this missive. The rep. proceeded to tell me there were no late fees ..but my payment was XXXX dollars short but could n't tell me what the shortage was for..yet the new statement received days ago clearly shows late fees listed. 
At this point our nerves are completely shot and we are at our wits end. 
We inherited Ditech this past year from our former mortgage holder of a year that was greentree.finace another inherited mortgage company..Please any help you can offer would be greatly appreciated.. sincerely, XXXX XXXX XXXX
Two months ago I instructed JC Penney to charge the remainder of my balance and cancel my card due to repeatedly poor service. Their representative confirmed both : my balance was resolved and my account was closed. Today I received notice that I have not been making payments on my account and that I owe {$300.00} plus interest and late fees. I disputed their claim and asked for paper records on this matter, they could not confirm that I would receive any paper records on this matter. I dispute that I owe the money, interest charges, and late fees. I also demand to see a paper trail from them. Can you help me?
I am recieving continuous phone calls from a company trying to collect a debt for HSBC from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.
I have submitted this before and the Bank of Am erica Response ne ver address the issue.     Bank of America practiced " deceptive lending ''. They offered mortgage modification help to homeowners then kept asking for paper work like it was a numbers issue. They did turn is down in the beginning but then went on to say we could reapply. Then for the next 7 years asked us for more and more resubmissions, and paperwork. We updated bank statements, profit and loss statements, income. All the while we found out 6 years later they had no intention to modify.   They have never addressed this. I had to ask the rep face to face " were you ever going to modify? have you ever modified " she said " no ''.   This is not what the bank is they are there supposed to be there to help us.   Full disclosure and honesty.   we originally applied  XXXX   XXXX  . 1st d enial with the advice to reapply summer of  XXXX .   Bank of America put in foreclos ure  XX/XX/XXXX - XX/XX/XXXX . Ta ken out of foreclosure and more than 6 years later told no modification. They led us to believe that they were working on it. It was always at the desk of some being worked on. We showed up for meetings that no one was there for. It has been 7 years of deceit. We have tried HAMP but if you are more than 1 year behind in payments you are not qualified.
I have repeatedly tried online to freeze my credit reporting account with Equifax and keep getting a message that they are unable to process my request at this time.
The company Velocity Investments , LLC has acknowledged that they have closed the account for this debt. Because of this closure I would like this information communicated to the Prothonotary of both XXXX and XXXX counties, both in Pennsylvania so the judgments can be removed and my credit restored.
First your site timed me out while typing so I now have to type my complaint again. I do not type quickly as I have an injury that caused a XXXX as is now finally healing so please adjust your site to ask if the applicant needs more time. 
My complaint was filed with your agency before and also with the Florida Office of Financial Regulation twice. All were closed without a proper response by HSBC Bank. 
HSBC did an illegal modification of my home equity line agreement which was on time and up to day with additional principal payments in XX/XX/XXXX without benefit of income verification nor my acceptance in accordance with their own home equity line agreement. I was denied XXXX times for modification with the reasoning of too much income, too little income, and no income. The latter was for a program designed for borrowers anticipating receipt of future income. For me this was Social Security XXXX which I was later awarded. Yes, I was declined for having no income at the time of application. 
I advised XXXX XXXX of HSBCs intent to foreclose. I was advised they never knew about it so they wo n't do anything to stop it. I worked for XXXX XXXX since XXXX Bank. I made sure that HSBC received the completed subordination agreement in XX/XX/XXXX and when the modification of my XXXX mortgage was applied for they were again notified in writing. I have a copy of the XXXX XXXX file provided by the XXXX XXXX Modification Department. These copies show they were notified yet they do not want to do anything. 
While recovering from significant injuries sustained in a car accident caused by an older man with cataract and subsequent complications to XXXX XXXX XXXX, XXXX XXXX, and XXXX, I still paid these inflated payments with reduce income exhausting my personal savings and my retirement in the process. This als had a negative impact on my credit history bringing my nearly XXXX beacon score down to XXXX. I am a XXXX by profession. I had several job offers given my experience and references, but once my credit was reviewed, the offers employment were withdrawn. I was previously well respected in my field. This was heartbreaking on the top of injuries to loose what I had worked so hard for and not be able to support myself. I was forced to accept a position as XXXX earning {$XXXX} from my prior low income of {$XXXX} as they did not review credit. This violation of my rights has caused me significant hardship. 
I have been in contact with the office of Congressman XXXX XXXX XXXX. A representative, XXXX XXXX XXXX, has consented to assist me as she feels strongly that my rights have been violated. She has copies of my Heloc agreement, the Intent to foreclose, the previously filed complaints and other documents. I am currently awaiting a response to a message I left advising that I had obtained the XX/XX/XXXX - XX/XX/XXXX bank statements from from XXXX XXXX Bank on an account I closed in XX/XX/XXXX. I am confident now that with both the Congressman 's office and the Bureau of Consumer Protection on my side that there will be justice and HSBC will be held accountable for violations and they injustice they have perpetrated on an innocent consumer.
I'm extremely disappointed by the predatory behavior of Navient. My paperwork disputes what your customer service reps are saying my total is ... that is very concerning and the fact that it will take a week or more until I get a statement is also concerning. 

This rant is also brought on by my recent research. Taking a deep dive into my emails from Navient starting in 2014, they have only pushed forbearance on me. It wasn't until very recently they offered other solutions. Now that I make far more money than I did out of college those other solutions wouldn't work for me anymore .... but they would have been GREAT during that time. And the only reason my loan is where it is ... is due to my situation after college ( getting paid minimum wage at an XXXX XXXX and suffering from health issues ) Also, their customer service rep today around XXXX ... suggested forbearance again! Only when I asked what the negative effects were he told me it would add more costs to my loan. Only when I asked if it was a better solution to pay it off next week, he told me. After my questioning, he hung up the phone aggressively. 

I'm very VERY upset and disgusted with how Navient is run. Nearly all college graduates I know have been screwed over by them in one way or another.
A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does not belong to me.
I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX
Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies Equifax, XXXX , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. Sincerely XXXX XXXX
I initiated a "credit line increase request"  with Citi/CBNA yesterday XX/XX/XXXX. The disclaimer on their website states:"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."This does not indicate that it will be a HARD credit pull, which I was alerted to today XX/XX/XXXX. Citi offers card holders their XXXX score for free, so why do they need a hard credit pull for a credit line increase?  I would like the pull reversed please.
I tried to open a checking account and was told chexsystems was reporting on me. So I followed threw and ordered a report. Which had incorrect information. So I sent in a dispute and no information was investigated with supporting documents.The company that chexsyems has not investigated correctly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Date Reported : XX/XX/2017 Reported for : Suspected fraud activityand any amount owed was paid.There was never any fraud to my account before they closed my account.
Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.
I spoke with Transunion 's consumers relations department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX who stated I was not a victim of their inquiry issue and they refused to remove the false inquiries on my credit report. 

I know that the large amount of inquiries originated from fraudulent activity and have put a hold on my credit file with other bureaus as well as this one but still see inquiries coming through almost daily. The company refused to clear the inquiries and had the audacity to say I was fabricating the fraud when it has been proven with other fraudulent marks on my reports.