WillisBack/dataset-financial-user-claim huggingface dataset:
The debt collector, XXXX XXXX , XXXX notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
In XXXX 2016 was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement.
Rise credit s based in XXXX XXXX Texas, They did not reveal the apr @ the time of the paper work plus they are charging av rate of 125 % apr and XXXX a day percent on a loan I did not know that at the time of the loan they are charging my account over a 1000.00 a month with nothing going toward the principle of the loan. I am a XXXX XXXX XXXX XXXX  vet and have a lot of medical issues. now they want to send me to collections isn't this predatory lending
I had a valid lease on a property in Foreclosure. I contacted Wells Fargo and notified them several times that the property was not Vacant. They sold the property and Never gave me time to find housing or get my personal property. I am now homeless.
received a letter from Citi stating my debt was sold to XXXX XXXX XXXX .I have never had any credit of any type from Citi . There is no account or debt. Their claim is fraudulent.
XXXX filed a Notice for Wage EXECUTION, by PRESSLER & PRESSLER and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to XXXX XXXX and sold my information to Pressler & Pressler, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report PRESSLER & PRESSLER for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!
On XX/XX/2018 the senior loan processor handling my refinance contacted Rushmore Loan Management services requesting a payoff quote for XX/XX/2018. Rushmore did not respond. The loan processor then submitted additional requests that were ignored. On XX/XX/2018 I contacted Rushmore by phone to request a payoff for XX/XX/18 and was told that it would be sent by fax to the loan processor and to me by mail ... it was not. XX/XX/2018 I contacted Rushmore again and was told it would take 24 to 48 hours, then told 3 to 5 days. and told a manager would put a rush on the request and it would be faxed within 24 hours ... it was not. On XX/XX/2018 I contacted Rushmore to find out why they had not sent the payoff quote was told it would be faxed within the day ... it was not. I was supposed to close on my refi on XX/XX/2018 and was not able too, it was rescheduled for XX/XX/2018. On XX/XX/2018 I contacted Rushmore and was told again the same lies. The payoff quote was not faxed again to my loan processor. XX/XX/2018 at XXXX XXXX  and XXXX XXXX I was told that the payoff quote would be faxed to my loan processor within an hour by and consumer service person and a manager. It was not sent. During this entire time the loan processor continued to contact Rushmore and had similar results as I had. The processor from the title company handling the closing also attempted to obtain a payoff quote from Rushmore with no success. Today, XX/XX/2018 I am suppose to close for the second time but can not because Rushmore will not send a payoff quote, I am beyond frustrated and concerned that the date on this loan is going to expire and I will have to get a new loan and the interest rate will be higher. Rushmore is causing me financial harm.
I have both private and federal student loan accounts. Payments have been made on time every month, but Navient credits only one account rather than allocating the payments correctly to each. They then charge late fees for what they state is overdue payments. I have asked them to correct this problem every 2 to 3 months through the 2017 year by calling customer service. They have failed to correct the problem. Payments continue to be misallocated every month. I have attempted to email requests for corrections and the customer service address from which their late notices are generated is not a monitored account.
I have refinanced my home, with a payoff date of my mortgage with Ocwen of XXXX XXXX. Although the balance on their website showed as XXXX on XXXX XXXX they still processed a payment of {$1300.00} on this account that had a XXXX balance. Since I was not expecting this I was left {$700.00} overdrawn on my bank account, and had to borrow from another source. This morning when I called them the XXXX person I spoke to got testy with me and blamed it on the title company for the refinance. Luckily I was disconnected from her. I got another gentleman when I called back, and he said he would try to expedite my refund, but that it still could be 5-10 business days. Is that fair?
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have sent a certified XXXX fraud request to remove items off of my credit report - please see attached PDF for complete details. Equifax refuses to honor this fraud removal request.
Numerous calls ( more than XXXX ) to my cell phone in less than 2 weeks. Caller does not leave a message and does not answer when I have picked up the call. 

Internet research lists this number for a debt collection agency Contract Callers , Inc. of XXXX, Georgia XXXX XXXX XXXX XXXX.
Hellothe issue is that we were doing a modification that started with XXXX and then it was given to M & T Bank for continuation. Towards the end of our modification, our house was sold, although we had received papers from the court that they were giving us a date in court to stop the foreclosure sale that was suppose to happen the following week. Yet, our house was sold a week BEFORE the court hearing was suppose to take place and when all papers shows that the modification was taking place. I wrote to the court but they replied that hearing was final. I also appealed the courts final decision and the appeal was denied. I asked for a rehearing and that too was denied. Since the beginning I have tried to explain all the process to them. I haave sent and resent papers with proof of what I 'm saying with very detailed explanation and it seems that it has fallen on deft ears from banks to courts to everyone. I found your article in XXXX magazine and decided to write to you about it as a last recourse. I still have hope everything can be undone. They had also told me that if I showed something had changed they would take it under consideration when we were still in the modification, but although I showed my husbad was now working nothing was taken into consideration and nothing changed. 
Thank you
On the XX/XX/XXXX I made a deposit of XXXX USD into an ATM machine of bank of America with the ID XXXX and only XXXX was credited to my account. 

The branch staff did n't try to help. I also called BOA 4 times and could n't submit a claim given no one was available for a period of 2 hours. 

I tried to submit a complain through their customer service department and they would n't give me a complaint number to follow up on.
I feel this is a Predatory Loan/Lending with Subprime Lending with a High intrest Rate and fee with High Monthly Payment and the Balance does not go down. My loan #  XXXX  from  OneMain Financial
My mortgage was sold three times in the short time that I have owned my home. I purchased my home in XX/XX/2016. The latest mortgage company is SLS Loan Servicing ( Company ) whose principal place of business is somewhere in Colorado ( they keep changing mailing addresses ). I have been trying for a year and a half to have PMI removed from my mortgage payment. I have spoken to them countless times and sent a few letters. I have met all of the criteria for having PMI removed from my account including authorizing ( and incurring the cost of ) an appraisal ( even though the original appraisal was only a year and a half old ). That I have to pay for an appraisal is doubly outrageous as I have provided a appraisals of properties in my neighborhood which clearly demonstrate an increase of $ XXXX over what I paid for my house. I have been waiting for the results of the appraisal for over XXXX months. I despise this Company. All it has does is jerk me around and delay, delay, delay.

Please tell me if there is some entity other than CFPB that has jurisdiction over this matter. I am at the point where I am contemplating filing a lawsuit against this Company, but again I'm already being XXXX   financially by having to pay for PMI which shouldn't be on my account to begin with, and an appraisal that isn't necessary.
TransUnion claims that its policy is in accordance with the Fair Credit Reporting Act, however it has allowed XXXX XXXX to pull my credit history without showing or providing proof that it had done so in the very same accordance of the Fair Credit Reporting Act that they claim to be upholding. Again I had not requested or shown interest in any loan product that XXXX XXXX was offering. Should XXXX XXXX produce evidence to the contrary then I will accept the information as reported and provide a letter of sincere apology to all involved.
I went to my local Well Fargo bank to apply for a bank account the lady told me that I ca n't get an with Well Fargo no more she said I abuse my bank account. I deposit bad check I told her I do n't have any idea about this so I need you guy to do an investigation I want to my local police department to file a police report.
Account # XXXX -- Navient changed my interest rate from a High 6 to a 9.75 % interest rate.
DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. 
This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. 

I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. 

Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.
This company keeps calling me and advising they are prosecuting a fraud action against me. They do not leave the name of the company or any information on what their allegations are or who they are calling from. They are demanding a call back from me or my attorney or they will file a complaint. 
There is currently no open collections proceedings against me. The calls seem to happen after calls from a " Portfolio Recovery '' calls. The Portfolio Recovery " Collection '' is now over XXXX XXXX XXXX and unable to be pursued, but they just change the account information to show it new. I do not know that this is the same company, but again, they seem to call at the same time and again this is the only active, but unprosecutable issue on my credit.
Received call on XXXX XXXX, 2017 at XXXX XXXX from XXXX This is a very important message for XXXX XXXX XXXX please make it a priority to return my call as soon as possible so that I may review you some important time sensitive information with you. You can reach me at my toll free number which is XXXX my direct extension is XXXX that 's XXXX at XXXX my direct extension is XXXX.
XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,  FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making into my XXXX  EXPERIAN credit report. This is also a formal demand for you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you have any document that you believe authorizes you or your organization to make the aforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of It be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I 'm sure that you 'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. Thank you. Sincerely,
[ Case number : XXXX ], [ Case number : XXXX ] I am still receiving notices in wrong name this one with an extended alert for 7 years. I did not ask for that, I also received it on a post card vs in a letter which is unusual for a credit report co.
We have been fighting with OCWEN Servicing since XX/XX/XXXX. My husband passed away in XX/XX/XXXX and we were never made aware that his name was the only one on the mortgage until XX/XX/XXXX. We had switched accountants and she noticed when doing our taxes. Upon finding out, we attempted to switch over the name to me, his widow. OCWEN indicated all they needed was a will, death certificate, a small document to fill out, and a copy of my license. We collected everything as necessary and sent it in. Weeks went by with them telling us they couldn't check the e-mail themselves but had to wait for it to " process ''. Eventually one gentleman confirmed that he had seen the documents and it would only be some more waiting. We received ANOTHER letter from OCWEN requesting the same documents, this time we sent them to another e-mail they insisted they needed it sent to. This carried on for weeks until we received a letter indicating that we would lose OUR HOUSE. They sent us back our house payments as well because they couldn't accept them while processing. So after communicating with them THIS TIME, we were told to resend all the documents, plus bank statements and then some. We e-mailed them AGAIN and even physically mailed the whole package to them. A few weeks later we AGAIN received a letter that they didn't have any of it. So today we called and they gave us a run around AGAIN, asking for ANOTHER form and MORE documents.We were on hold for over and hour while they tried to dump us off the phone. After some quick XXXX it is apparent that they do stuff like this all the time in order to foreclose on people 's homes and profit from it. We will not be screwed over by their greed or incompetence as today we have sent dozens of emails in various formats ( suddenly today we were told they could only be accepted in PDF format- which no one indicated these PAST FOUR MONTHS ) and will be mailing a packet that needs to be certified and signed that they received it. They think they're going to take our house like they've done with everyone else and that is NOT happening.
Ocwen has been falsely reporting on my credit report for years. They say I am delinquent. One month it showed I was current and the very next month they reported I was FOUR MONTHS BEHIND! How would that even be possible. They have held strong with reporting I am two months behind ever month. I have made extra payments and it goes to some mysterious escrow cushion. If I call to complain all the customer service people say is, " How would you like to pay to get your account current '', WHAT?!
On XX/XX/17 I contacted Experian about unauthorized inquiries on my credit report. I spent almost a hour on the phone and waited for a supervisor so that I could dispute the unauthorized inquiries. The rep I talked to first told me I would be able to dispute or delete them with the supervisor and I was transferred and waited on hold for almost an hour. Once the supervisor got on the phone, he said he could not help me. Every inquiry on my report was not aunthorized by me except XXXX XXXX in XXXX 2017. Every other one is no authorized by me. I would like these deleted.
I already reached out to TransUnion and to XXXX XXXX and XXXX  XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Hello, my card number is XXXX. I have XXXX + dollars worth of credit that I can not use currently. Your investigation is taking too long for my fraud claim and I still have not heard any result of it. Did you find out how it happened, what happened? Please call me at XXXX and if you can not find out what happened then please close the case as it is just causing pending case investigation on my account for prolonged period of time. Sincerely, XXXX XXXX
In XXXX I looked at my credit report on a free website. I noticed my score had fallen a bit and I was curious as to why. I accessed my credit report through the annual free website. I then saw a collection had been added to my credit report on XX/XX/XXXX by Debt Recovery Solutions. It detailed that the original creditor was XXXX XXXX. I then sent a letter to Debt Recovery Solutions to advise them that XXXX XXXX had been paid in full in XX/XX/XXXX. Along with the letter I included a copy of a paid in full letter that I received when back in XX/XX/XXXX. I have not received any correspondence from Debt Recovery Solitions and there has been no update to my credit reports. The collection is still being reported and it is being reported as unpaid. This collection was not previously on my credit report at any time. Payment was made directly to XXXX XXXX XXXX, the first collection agency, and the account was paid in full without any negotiation and it was paid prior to ever having being reported to any of the 3 credit bureaus. Debt Recovery Solutions has not corrected this error and it is still being report to the major bureaus.
i keep getting calls from collection agencies in reference to a balance. 
i received the first call in XXXX of XXXX fax them my bank account proof they said they will correct. 4 month later it 's back on my credit report from a different agency did the same thing now over a year later it 's back on my report this will be the third agency not sure XXXX they do n't notate and they keep selling the account. i currently have XXXX again in florida my account is up to date how can i have a new account if a owed a balance. i would like to get this issue rectified and fixed once for all Thank you
To whom it concern ( Toyota Financial Services ), these are all the documents that were received during my XXXX and while I was living overseas since XX/XX/XXXX-XX/XX/XXXX. While I was overseas there was a lawsuit against Toyota because there was no e-filing. I had returned the vehicle two months after purchasing dated XX/XX/XXXX, so XX/XX/XXXX or XX/XX/XXXX I had returned the vehicle. The vehicle was on lease to own terms. The Military XXXX I have provided are the XXXX that broke the lease, Toyota agreed there will be no charge upon release of the vehicle through my XXXX because Toyota supported the Military XXXX. 
A year after purchase Toyota had sent a lawsuit document but I was still living overseas, therefore I had no recollection of what was going on. XXXX had TMCC at the time as their financial company and they had made a mistake. Toyota was making an offering ( a settlement ) in regards to faulty paperwork CASE NO. There was also a recall on my vehicle but I turned the vehicle in two months after purchase. There should not have been any charges or reporting to my credit upon Military XXXX. This has put a financial burden on my life as far as purchasing a home, a vehicle, and this has also negatively ( damaging ) affected my credit for the past 6 years due to false reporting to credit bureaus. I would like the entire account removed from my credit or I will get a lawyer for a settlement for pain and suffering. 
V/R,
I previously disputed this collection in 2016 and it was removed from my credit report. I never received any documentation stating that this debt was mine.