WillisBack/dataset-financial-user-claim huggingface dataset:
I 've have been on a rehab plan now for over 2 years. After a 3 month grace period I was supposed to be put into this program. As far as I know I 'm on it still, after NUMEROUS requests they have not sent me anything confirming I 'm in the program other than a vague letter that they are taking the money out on auto-withdraw that THEY set up and what date, I get that letter every month. The point of the program was to prevent my loan from going into default. I look at my credit report often and it not only says that " XXXX XXXX '' charged off my loan to " Navient '' when the company took over student loans, it also says my loan is over 190 days late, closed and delinquent. I 'm married with kids and I have a great job and I would like to buy a home but I ca n't with this on my credit, even if I paid off all my little other debt I 'd still not meet the requirements to get a mortgage.. I 've tried so many times to get this to work and been replaced on this program at least 3 times and never any results. In the past, after a few months they 've called me hounding me for money but this last time just silence from them for the last 2 years, I can only assume I 'm on the program since I 'm still getting the money taken out and still getting the notice of money withdraw, the notice has no phone number, I do n't even know who to call about this, in the past I 've relied on them calling me, a weird department handles my loan now and I ca n't even contact them.
I have sent this company certified letters time after time about validating this debt. I never receive nothing in return back which I ask for a result within 30 days. Once I kept trying to contact them I then went to there office since it was located in my city and state. When I got there they wouldnt even let me in the office they kept stepping out to talk to me. I informed them that I want to speak to the manager or corporate but was told neither one of them were there and I had to call. After that day I still repeatedly call to not get in touch with them still. So I then sent out a hippa violation letter to them about this debt and they're still not communicating.
LVNV Funding apparently took over some supposed debt. They have hired XXXX XXXX XXXX to pursue it. After repeated attempts OVER THREE YEARS to get them to prove to me taht I owe this debt, they have utterly failed to do so. i have even sent such letters to the courts, and the judge himself told me to handle this directly with them. They continue to contact me.
I have contacted XXXX several times requesting the information they are reporring on my credit report. They have refused to provide this information. I was receiving state health insurance at the time and the charges were paid for by the insurance company. This is why I want to see what was not covered and they refuse to provide this information. The company is extremely rude when you call
i have  XXXX  loans on my home with bank of america. i have had a temporary modification which ended a year ago, my payment increased so i applied several more times. the last time i applied i was approved for a modification which increased my payment ove r 1000 dollar s, i spoke to the bank and asked why thy said i made  XXXX   XXXX  a month. this is so wrong i ask the Representative from Bank of America how did they get this? no one at Bank of America can answer me why. i filed an appeal because the information on the disesion is not correct. i get notic es 2-3 times  a week saying they are working on the appeal, yet 2 months ago i got a letter saying it was declined due to this inflated income they hav e, one  Representative told me they increase th income to make me qualify for the new 15 year loan. they told me it would start  XXXX   XXXX     2017  yet we got a  XXXX  dollar check from   XXXX   XXXX    i n  XX/XX/XXXX , which was a refund on our home owners insurance. i cant afford a 15 year loan modification. i would like a longer loan modification or a principle reduction as this house is  XXXX   XXXX  upside down, if they are here to help please let them. The file i have is hundreds of pages as this is way to intense to describe completely  XXXX   XXXX
Hello, I owe {$130.00} to XXXX. I told the collection company that I don't have the money because I am on XXXX leave. They call me numerous times a day, and if I was on leave in the XXXX why would I have the money in the XXXX. They are harassing me, and I have told them numerous times that I would pay when I could. I have the list of calls they make all hours of the day and I find it so unnecessary. They are very rude! I have the log in my phone of all the calls they make daily. If I had the money, I would pay it just to get them to leave me alone, but I don't go back to work until XX/XX/XXXX. The company is called EOS CCA.
XXXX, XXXX and Trans Union are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.
I have a Visa from Bank of America I used it to request services from a merchant XXXX. Storage from XXXX to XXXX of {$170.00} per month. in XXXX I scheduled to have the container transported from XXXX to XXXX with a rate of {$1900.00} paid in advance. 
For reasons not provided the transportation was cancelled by XXXX, without notice. I 've tried to communicating with them with no results. 
It has been a nightmare dealing with the Bank and the merchant, seeing charges being made & paid, and not being able to stop them. XXXX response has been " payments need to be made and disputed later '' ( for how long and how much? ) XXXX has been able to receive payments from XXXX up to {$4500.00}. I find myself violated/abused by the Bank and the merchant. The AVERAGE CHARGE to transport a container from XXXX to XXXX is about {$2300.00}. Realizing that is all about business between the BANKS & MERCHANTS with no concern for the consumer. 
A dispute was filed, and the results were just submitted : " the amounts charged are correct '' that was even after XXXX PROVIDED to the BANK the agreement showing a rate of {$2000.00}. 
I provided myself the necessary documents including XXXX 's contract and statements from the Bank of America included with this complaint. 
One of the agents stated that the XXXX website has a glitch, " when a merchant logs-in to an account is agreeing to the charges '' -IT DOES NOT MAKE ANY SENCE-
XXXX XXXX loan from 2011 was reported as last payment received on XX/XX/2011 for XXXX and XXXX. Equifax is saying its XX/XX/2011 and will not be removed until after XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XXXX. This XXXX account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
XX/XX/2018 As a first time auto loan seeker I went into United finance to fill out a credit application for a small loan to purchase a used car to get to and from school. When I turned in my paperwork I received negative feedback about being a address confidentiality program participant and at first was denied to proceed with anything. My older sister who has worked in a financial industry and came in with me tried to explain about what the program is and showed the underwriter employee a copy of our cards to explain why we do not have to disclose our address, and wanted to show the representative where he could find out more about this and quote it in the secretary of the states website but the employee deliberately cut her off and raised his voice that I would need to apply in a location closer to where our mail is forwarded in order to proceed. I am filing this compliant because my experience was not only of discriminatory nature, but also to help others from experiencing the same and in hopes that people in the financial industry take the time to really understand the regulations they try to enforce and to actually listen to the customers that seek their professional help. According to state law, no XXXX participant has to disclose their physical address and are only required to show their card in order to peruse financial services. It also my understanding that if they decline service they are no longer in compliance with the state law, therefore I am bringing this to your attention.
XXXX XXXX 2018 Bank Of America
I did not authorize any hard inquiry with this company.
This is fraud.
When my ex-wife failed to make payments on a leased car so I had the car picked up when we separated. XXXX XXXX turned us over to collection and in 2008, a judgement was was entered by XXXX XXXX XXXX , XXXX. The original damage was {$9200.00}. This amount was for the full price of the car. The car was sold at action for {$8600.00}, leaving a total of {$650.00}. 
I foolishly walk away from this mostly due to ignorance. In the meantime, I went through a divorce and XXXX and did n't have the funds to hire an attorney and did n't know how to handle this myself. Subsequently, my wages were garnished for a total of {$4200.00}, paying a 3rd party ( XXXX XXXX ) {$690.00}. XXXX XXXX XXXX now has {$3500.00}. 
On XX/XX/2016, I went to court to vacate the judgement on the grounds that the default judgement was acquired by fraud. I was never served. My son, age XXXX, was served at his address. I have never lived there and I was XXXX years old at the time. My credit reports confirm age and addresses and I assume a credit company had them in their possession. Also, the AKA XXXX XXXX XXXX is only on my birth certificate. I have been XXXX XXXX XXXX on school records, military records, medical, IRS, SS etc. It was a misspelling at the time of birth. ( The attorney failed to mention this at the hearing last week. ) The judge ruled against me due to the 8 year time lapse. I have offered XXXX {$2000.00} max for a settlement, but have not heard back from them. That would be a total of {$5500.00} that XXXX would have in profits. I want to know how much I really need to pay this collection company. I feel I 'm beginning to pay for the car for the second time.
This is a follow up to case # XXXX XXXX XXXX 2016 I am attaching XXXX docs from Citibank dated XXXX XXXX, 2016, these arrives in an envelope in XXXX 2016 with no postmark on the envelope. I assume this is another tactic by Citibank to set false settlement deadlines that can not be met because of how 1st class business mail is processed. The first doc says my hardship request ( they offered last year ) has been denied. In view this is another ant-consumer tactic designed to look genuine ( offer reduced interest and lower principal payments ) then when you apply it is denied. The second doc is an'offer ' for a settlement due to be paid in XXXX 2016, which if they accept the basis of my hardship ( reduced monthly income due to delay of Veterans XXXX pension ) - clearly with reduced income I have no ability to make a lump sum payment. So this is a non offer. What is the next step for me to take? I want to resume making reduced payments and avoid having my credit rating further damaged by the consequences of the delay in getting my deceased husbands final pension disbursement from the VA in XXXX. Thank you and I hope this helps other Veteran families coping with the delay of their XXXX payments.
I, XXXX, am getting calls from CHASE, using a blocked phone number, to my cell phone, XXXX XXXX 813 - 7894, stating they are trying to reach my sisterXXXX. My sister, XXXX, does not use my phone, she has her own phone number XXXX. This is my second complaint as I received calls after I was told not to call this phone number, yet they continued to call this number, from a blocked number. The rep who called was, XXXX XXXX, stating the call back number was XXXX. The managers name is XXXX, with employee ID : XXXX. The call took place today, Tuesday, XXXX at XXXX XXXX XXXX.
This is a response of a previous issue with a medical debt where I can provide the case # XXXX I did file a care concern, obviously when I called the very rude and not understanding representative on the phone. I did not agree with the bill and if the hospital was able to help me I would have gladly paid it, But in my case, when the hospital or XXXX said there was not much that could be done and used wrong supplies on me. I was mistreated and was in the same exact amount of pain when I left. I was not able to sleep all night from the pain and the next day needed to seek further care and treatment since XXXX was not able to help me. 
I will file a complaint with the physician board, dept of insurance, and any other related dept, that overlooks hospitals if I have to. The XXXX that tried to assist me did not have the proper equipment and if she knew that, then I should have been informed that and would have refused service. Bottom line is that I needed to go out of my way because of the pain and spend more money to ease the pain I was experiencing. I went out and have proof of purchase to a beauty supply store that sells small scissors, the same ones that you would find at a nail salon when cutting your fingernails. I was easily able to cut the finger with the small sharp scissors to the point where it was not bending backwards and causing any pressure anymore. I am submitting the line item from my credit card statement and actual image of the product I purchased the following day. 
You can also see a comparison of the a similar size pair of scissors vs the ones the hospital should have used in my situation. 
Would you cut your own fingernails with the same pair of scissors designed to cut construction paper? I included backup photos of the proof after how it looked when i treated myself after.
In XX/XX/XXXX I applied for a refinance of my home mortgage with XXXX XXXX ( XXXX ). They are not the problem, instead my second mortgage, originally with XXXX, now with Select Portfolio Services ( SPS ), has been a major problem. In order to refinance My second mortgage company had to agree to be the subordinate mortgage. That is where the problem began. It has been three ( 3 ) months and after constant contact by me and my representatives at XXXX and they still have not agreed to be subordinate. I have written letters allowing them to contact XXXX and have called to let them know I am unhappy with their incompetence. They kept saying it is in review and it may take 5 days. I spoke to a supervisor on XX/XX/XXXX and she said she would set up the process. Still no answer as of this complaint. Do to SPS 's incompetence I have lost the ability to lessen my term and take advantage of HARP. Additionally I was forced by SPS 's inaction to incur a fee of {$2000.00} to lock in the rate I applied for in June.
I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.
On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. 
I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.
I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge. 
Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.
i am writing to report that Chase has not resolved the many fraudulent monthly ACH withdrawals by  XXXX  that came out of our checking account ( started on  XX/XX/XXXX  -  XX/XX/XXXX  ). We have not authorized any ACH transactions to  XXXX  or any other vendor ( we are, however,  XXXX  customers but have enrolled in auto bill pay via credit card ).
On XX/XX/XXXX , We went to the Chase local bank in   XXXX   XXXX  , FL to file a complaint regarding these charges as shown below, but claimed that via FTC rules, are only required to reimburse only the first three of these transactions : XX/XX/XXXX  - {$60.00}  XX/XX/XXXX - {$49.00}  XX/XX/XXXX  - {$59.00} XX/XX/XXXX  - {$59.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00} On  XX/XX/XXXX , we went to   XXXX   XXXX     XXXX   store and gave them all this info to find out who was making these ACH transactions. The  XXXX  store rep sent an email to  XXXX  Security per   XXXX   XXXX   XXXX  , Local Branch Manager as noted below : " Cust came in today to our office saying that  XXXX  is taking monies out of their bank account every month  XX/XX/XXXX  // and last one as of date  XX/XX/XXXX .
The acct number above is their current acct with us and current have their credit card number on for automatic payments .. I checked acct no double payments. The bank gave them a print out of their acct actions and there is no acct number for me to look at or try to find where the issue is.
Cust wants to report this and get any help from us on this to find out where their money is going. ''   XXXX   and Chase both believe they have done all they are required to do.
I XXXX contacted Portfolio Recovery by certified letter in XXXX 2015 requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Portfolio responded with a letter on company letterhead with a summary of my name, my last XXXX digits of SSN, balance at date of purchase, and interest accrued since the date of purchase. 
I responded to Portfolio 's letter with a XXXX letter on XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
Portfolio Recovery 's XXXX response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.
Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
I have applied more than 5 times over the years for a refinance. I 've Never gotten to speak to a person who XXXX. I 've been denied a lower interest rate from XXXX percent. I filed a complaint with the Indiana Atty. generals office and a representative from Ocwen denied I applied for a refinance. They placed me in foreclosure proceedings and chagred me a fortune for their atty. fees.