WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016, I received an unsolicited call from XXXX XXXX at XXXX XXXX, XXXX. I was told about what they do and how they could help my online business, then he convinced me to buy one-on-one social media training and coaching for marketing, and a XXXX XXXX and XXXX business page design. This company was working in conjunction with XXXX XXXX  on creating e-commerce marketing. ALL OF IT WAS VERY BASIC COACHING THAT WOULD LAST A MERE 5 OR 10 MINUTES, THEY WERE SUPPOSED TO DRIVE TRAFFIC TO MY SITE, NO SPCECIFIC DESIGN WAS CREATED OR GIVEN TO GENERATE TRAFFIC TO MY WEBSITE. 
I PAID thousands of dollars to them, and in the end I had to actually end of having to do the work myself and building a following something they were supposed to do. 

I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me into thinking I would be getting a website with marketing that was superior to my current online business, and their lack of efficiency ended up costing me thousands. 

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP OTHERS NOT BECOME A VICTIM!
I had a negative item that was recorded in error, a state tax lien. it was removed last week. I was surprised when my credit score instead of getting Jump got a hit, it went down from XXXX to XXXX a XXXX points without any new entry or or addition to my credit report other than Removing the Recorded in Error Lien. It seems that after complaing to CFPB about Equifax refusal to remove the Recorded in Error lien, equifax decided to take revenge and Punish me for complaining?! 
But the issue here, i am trying to get a XXXX Loan and such agregious act by Equifax would mean that i may and may not get that loan. And in case i get, i would have to pay Considerably high interest Rate. 
Please Please Help.
I had to chose something for " What describes your problem '', to move forward.That is not my problem.Select portfolio is at it again. Yesterday I was contacted by one of their debt collectors looking for payment. I advised the person that I had submitted ALL the documentation needed ( required ) to " ask for some help '' ( deferment ). I was laid off XX/XX/XXXX. This debt collector was unprepared for this ( they just called to collect ). After 5 minutes I got very irate as the person started saying things that weren't correct. I faxed everything I was told as needed for help on the XX/XX/XXXX. My bank statements, the acceptance letter, a quit claim deed ( showing my wife transferred ownership to me ), proof of residency and the 4506 t. First I was told SPS had received only 2 documents? It goes downhill from there. The debt collector did find all the documents but that's not my complaint. The person ; after making many miss statements, told me that my last correspondence with SPS was on XX/XX/XXXX. The person I spoke to on XX/XX/XXXX asked me if I " wanted to discuss the documents needed '' and I said NO. Not true. This debt collector then recanted and said I was told by so and so what documents to send. The debt collector confirmed the documents were received the next day. Now I'm told I need to resend additional documents ; " one not mentioned to me in the past '' ( copy of my XX/XX/XXXX tax extension ). I alerted this person that in a past phone call I alerted SPS I had filed an extension. I was told by a prior debt collector, '' no problem just send the XX/XX/XXXX''. Why does the XX/XX/XXXX and XX/XX/XXXX returns even matter? I'm asking for help because of unemployment now. Prior tax information is not relevant At the end it got funny. This debt collector said Oh well I called you because you wanted help. I said NO you called me to collect payment. Enough said? The same XXXX still goes on. I provided overwhelming proof of my current situation but SPS is intent on hassling people. Ironically the day before I received a letter from SPS as why they couldn't move forward. I needed additional documents. Nothing about needing the XX/XX/XXXX extension.You would think from XX/XX/XXXX until yesterday XX/XX/XXXX : ONE someone could have called me and TWO the process would still " would have been held up '' as the letter I received did not ask for the XX/XX/XXXX tax extension info...
On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue
I could not make my credit payment to American Express for the full charge amount. I asked for a payment plan. I have been a card member, in excellent standing for eight years. I have paid, as agreed monthly. I was told via chat with AMEX and via phone with AMEX that this would not be reported to the credit agencies as unpaid. It was reported as unpaid the same month I applied for the payment program. My credit has declined significantly due to this.
Im XXXX I made a payment of {$120.00}, about 5 days later citi bank charged me again the same amount. I called citi bank and XXXXne of your employees apologized and refunded me back one of the payments. The next month I was charged a {$25.00} fee for a return check. I called and they said they would return the the fee and apologize because you were the ones that refunded me. I then learned next month that you turned my autopay off because you accused me of a return check even though it was your company that refunded that payment because you doubled charged me. I also found out that you never took the fee off. So the next day after my payment was due ( when I found out ) I called and the lady apologized again took off the return fee and said she would take off the late fee. I Immediately Told her to turn my auto pay back on and to run this months payment. Come to find out she only ran half of what was due for that month and she never reversed the late fee. NOW I found out that you closed my account because of the whole return payment may I remind you again that your employee refunded me one of the 2 payments you took out of my account because you double charged my account and she apologized saying it was your fault! So because of your mistakes you negatively impacted MY credit score and closed my account! I called today was told they would reopen my  account but then when transferred I was told that they would not open my account.
I am still not sure who / what this is " XXXX XXXX/XXXX/16 CBNA ''. I recognize the rest of the inquires.
i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX  and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals.
I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because XXXX had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a XXXX XXXX ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer XXXX or the XXXX XXXX XXXX XXXX, XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and XXXX PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX  which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.
On Monday  XXXX , I went to  XXXX  in  XXXX , California to purchase a replacement  XXXX . Because we were unable to access the system with my  4-digit p asscode, I telephoned "  XXXX  '' for assistance. The  XXXX  service person attempted to sell me the  XXXX   XXXX   service and of fered {$300.00} credit. I said no thank you ( as I already have   XXXX   XXXX   ) .. Upon hearing the 'no thank you ' response, I was informed by the service person that she could not assist with the passcode.     On Tuesday, I received a  XXXX  notification of a credit inquiry by  XXXX   XXXX . This credit inquiry, to verify my credit worthiness for  XXXX   XXXX , was not requested and it was not authorized. Because credit inquiries have an adverse impact on credit scores, each and every inquiry should be authorized by the individual consumer. NO company should have the privilege of impacting someone 's credit score without clear authorization.
When I was in school for my XXXX to pursue for bachelor of XXXX degree, my student loan company ( navient ) put me into forebearance but I was accumulating interest of 11.6 % total interest on my two loans together. One loan unsubsized with 5.87 % and other loan subsidized with 5.87 %. 

When I called navient for public loan forgiveness, they told me I had to work 20 hours a week and make monthly payment. It was very misleading as to how to stay on track for public loan forgiveness while working in XXXX as a XXXX for the past four years ( XX/XX/XXXX-XX/XX/XXXX ). Then, I called them last year to ask about public loan forgiveness eligibility criteria, they told me I have to work 10 years of full time in non-profit organization ( XXXX ) and not being in school status, before I apply for public loan forgiveness on my student loans. I didn't know that before I called them. I kept track of every single payment since I started working at XXXX and XXXX XXXX. I felt I'm being deceived by navient and not fully understand of what I need to remain eligible for public loan forgiveness on my remaining student loan principle balance. I'm not satisfied with Navient at all. 

After graduating from XXXX school in XX/XX/XXXX, I currently have been paying anywhere from {$100.00} to {$1000.00} a month for student loan. I do not believe navient student loan company properly allocate my student loan payment online. I was paying more and more but my principal balance doesn't seem go down as it should. I have been mislead and so frustrated of being with Navient.
in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX 2018.The information is incorrect. I sold the car on XX/XX//2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
I HAVE CONTACTED THIS DEBT COLLECTOR, AND THEY ARE STATING THIS DEBT IS MINE WHICH IN FACT IT IS NOT MINE, I DONT EVEN KNOW WHO THIS COMPANY IS.
Hello - This complaint is against JPMorgan Chase. Thousands of dollars of fraud occurred on my credit. Chase did not catch the transactions. It was only after over 20 occurrences over a week did they finally reach out. I requested ( i had to ask ) for a full investigation to be done on the account and for a manager to contact me about the situation. Neither occured. I called back three weeks later and spent 2 hours on the phone with various people with no idea of how to deal with the situation. I learned that an investigation had not even occured yet.

This situation was so improperly handled. A fraudulent incident of this magnitude should not be dismissed like Chase. As a consumer, I have no idea what is being done and how to protect myself from further credit breaches.
i did loan rehab in XX/XX/XXXX paying almost XXXX a month on a ( im going to round up ) XXXX loan then the monthly payment dropped to XXXX a month in XX/XX/XXXX i have always payed XXXX a month and 15 years later i still owe over XXXX and my expected payoff is XX/XX/XXXX this makes no sense to me i have had many loans in the past that i have been able to pay off why wont this balance go away even when i pay extra every month.
CENTCREDSERV reported that I owe   XXXX   different medical bills   XXXX    for {$77.00} and another for {$79.00}. I spoke with them and gave them my information and they realized this incorrect and they had reported it on my credit wrongly. They said then I have to call their   XXXX   branch to resolve this even thou the number on the credit report was the one I called to get them not their branch in  XXXX . The number they gave me was  XXXX  and every time I call it keeps saying, " due to high call volume we can not answer your call. Please leave a message and we will call you back ''. I have left now 6 messages over the last 3 days and no call backs. the number they gave me just keeps saying the same thing. I called back CENTCREDSERV and told them that the number they gave me is no good and their reply was " keep trying '' I told them why should I keep trying that number when the contact number on my credit report shows this one I am talking to you on now? they would not answer and just kept pointing me to the other number. They will not help.
I located a puppy on an internet site :   XXXX   XXXX   XXXX   and arranged to purchase the puppy named "  XXXX  ''. I was directed to use the Paypal service to pay for him, and did so. I then traveled from  XXXX , Alabama to  XXXX  to pick up the puppy. When I called and said I was at the designated location, I was told they would be there with the pup in  five  minutes. An hour later no one had shown up and repeated calls went unanswered. The will not answer calls from my number, but do answer calls from other numbers.
XXXX XXXX XXXX offers free XXXX XXXX monitoring through Trans Union. 
Scores. XXXX XXXX : XXXX XXXX A drop of XXXX points. I use all my credit cards every month also paying my balance is off in full every month demonstrating responsible financial behavior I sent a copy of Trans Unions explanation why the XXXX XXXX dropped so much which does not apply to me. I enclosed a photo copy of the XXXX XXXX XXXX fico score chart and copies of bank statements reflecting Usage and payments of credit cards
I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property. 

Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX  and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX  use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX
Today I was called by a " locating company '', who misled me by listing their name on caller ID as a person, not a company, who told me to call XXXX and refer to case # XXXX. I called the number and they said they were an attorney 's office and it still shows on my credit report that I owed XXXX ( XXXX ) and now that they located me, my choice is to pay them TODAY or go to court. The man kept saying I was going to be sued. Numerous times, now that they have located me. They said they were suing me for breach of contract, in the amount of XXXX (? ) or I could pay {$2700.00} after I went to court. I said I had to call my son. I think I got this card when I was in XXXX, NC and we went bankrupt while in XXXX. We moved to Virginia in XXXX. 
I told them there was a statue of limitations and we had gone bankrupt. The man said there was no statue of limitations and I could pay or go to court. The man kept saying that it still showed on my credit report. In VA, the statue of limitations is 6 years. It has been 12 years and I do not know why they are harassing me now. My husband died, I live on a fixed income and there is no way I can pay this bill. Plus, it should have been taken care of by our bankruptcy. The man said the name of his company so fast I could n't hear it. I asked him 3 times who? I did n't understand the name of the company OR the man 's name. 
I lived in XXXX, VA for 10 years and I have received NO paperwork when I lived there. I moved, and I have received no paperwork since I moved to my new address. I have been here 2 years.
I get a phone call today from a number that I did not recognize. I forwarded it to voicemail. The message that was left said that this was a final notice of escalation. I returned the call, the woman, XXXX XXXX, said that I had committed a federal crime and that I could have jail time. I had to pay a debtor that I have not known about previously. When I attempted to talk to her, she would not tell me what company she worked for. She also accused me of being in love with my ex who opened multiple accounts in my name without my knowledge. I have been clearing this up for the past 3 years. She also called multiple people that I am related to, including my boyfriend, my cousin 's husband ( never lived with ), my grandmother ( never lived with ) to date. She called from XXXX. I attempted to call again. No one answered. I was put through to a " XXXX 's '' voicemail.
I submitted to PennyMac the note with my original signature and notarized on XX/XX/XXXX. They responded on XX/XX/XXXX stating they would conduct a full review of my loan. Then on XX/XX/XXXX letters were sent which will be attached requesting them information on my loan. Which were notarized and sent certified mail. On XX/XX/XXXX they responded stating thank you for requesting a reinstatement quote. Then on XX/XX/XXXX I received a letter that they were currently conducting a full review of my loan. Then no response and then found out they have filed foreclosure on XX/XX/XXXX.
I am receiving emails from Springleaf Financial Service indicating that they need to verify my income and identity to process my loan request. I have n't requested a loan from them.
I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. 
I told them I have no information for them. 
I asked them not to call me. 
I keep getting calls on my cell phone while I am at work. 
I have no idea how they found my information because I am not a co-signer or co-debtor. 
I do not want them to call me again.
XXXX XXXX XXXX debited my bank account twice for a scheduled etf payment of {$3900.00}. This is not a small amount. I called them and they said it would 17 days to refund the money to my account. This is wholly unacceptable.