WillisBack/dataset-financial-user-claim huggingface dataset:
I called IQ Data International agency to inquire about a debt in collection. After giving financial information to the company to see what can be agreed upon I was placed on hold and referred to a manager. I was told that I only have two options. To pay the debt and full or settle for less. Both options exceeding the amount of {$3000.00}. Once I made it clear that that wasnt much of an option at the moment the manager started to use a more aggressive tone and imply threateningly actions. Such as threatening to garnish wages without going through the courts. He also told me that I only had 30 mins to discuss options with my wife before makes a recommendation to take adverse actions. The behavior and tatics were unnecessary and caused undue stress on my wife.
Wells Fargo Bank is reporting a foreclosure on a property that my wife and I use to own. We were never foreclosed on with Wells Fargo. This is false and incorrect reporting on our credit report. At the time the foreclosure was reported, we did not own the property
I have XXXX loans outstanding with Navient, totally somewhere around {$17000.00}. Until XX/XX/XXXX I was able to make payments, as I was working part-time in addition to receiving XXXX Survivor benefits. In XXXX, however, I had reconstructive XXXX on my ankle which kept me from working. I subsequently filed bankruptcy. The Navient loans were not XXXX, so I called Navient and told them that, while I knew I was responsible for the loans, I was not able to pay the $ XXXX they were requesting because my income was only $ XXXX. I told them that I would pay what I could each month but never less than $ XXXX, which I have continued to do. I acknowledged that I would be receiving their collection calls, but asked that they not call later than XXXX as I rose early and retired early. So far, I am receiving calls as late as XXXX, as often as XXXX calls per day, and receiving them every day until I answer. Once I take XXXX of their calls, the calls stop for that day, but resume within a few days. The conversation is always the same : I acknowledge the loan, explain my current income an inability to pay the {$240.00} they want per month, ask them to make a note on my account, and then repeatedly tell them I can only pay $ XXXX but will pay more whenever I can. We go around and around until they get tired of it and end the conversation. I have made good on my promise of sending $ XXXX. On their side of things, they will not accept that I can not afford to pay more, nor will they work with me to pay less per month, such as income-based. I was prompted to write to you because, having missed XXXX calls from them yesterday because I was n't home, the first call came in at XXXX this morning and my caller ID indicated " XXXX XXXX when, in fact, it was Navient calling. I rather doubt that XXXX would appreciate being used as a cover for Navient collection calls. I have just made, and they 've accepted, a payment for {$20.00}, even though I could better use that money toward groceries. I am at a loss as to how to proceed. I do n't need Navient calling 3 times a day, and I can not pay more than what I am sending them. We 're at an impasse and I need your help. I 'm also concerned that using a false name to fool people is more than just underhanded but may be fraudulent practice.
Nationstar Mortgage LLC is attempting to sell my home in a foreclosure trustee sale on    XXXX   XXXX  2017     and steal my home when neither they or the foreclosure trustee have any standing to do so. i : repeatedly offered to pay them in full if they can simply validate the amount of the alleged debt as FDCPA rquires them to do. They do not, since they have fabricated papers to make it look like i : owe some alleged debt to them.   In either case :  This is a 28 U.S. Code 1343, now that CFPB, President Trump, US Supreme Court, US Marshalls Director  XXXX , Government Accountability Office Director   XXXX   XXXX  , Sheriff   XXXX     XXXX  are notified of the crimes against me and are required to act.      YOU ARE SERVED, AND ARE NOW LIABLE TO ME.     Today,  XXXX   XXXX ,  2017 i : ha ve sent to  President Trump [ Delivery via U.S.P.S. Fir st Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to U S Supreme Cou rt [ Deli very via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ], US   Marshalls Director   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Government  Accountability Office Director   XXXX   XXXX   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Sheriff  XXXX   XXXX   [ D elivery via U.S.P.S. First Class Certified Mail  Article Number :   XXXX   XXXX   XXXX   XXXX   XXXX  ], the following instruments among others  : 1.  Warrant for arrests,  XXXX  of such warrant for arrests and indictment of the President of foreclosure trustee  XXXX   XXXX   XXXX  and the President of Nationstar Mortgage LLC  XXXX   XXXX  are first and second attachments.    2.  DEFAULTED BILL TO NATIONSTAR MORTGAG E LLC [ and its Co Parties Agent ( s ) Principle ( s  ) ] for {>= $1,000,000} is the third attachment.    3. I ndorsed copies filed in court of ad subjiciendum which is an extraordinary remedy, attacking the legality as Unconstitutional is the fourth attachment.    4.  Indorsed copies filed in court of my firing of civil servants, judges, attorneys are  the fifth attachme nt.     i : do expect my remedy as an American who has been wronged by a group of criminals dressed as attorneys, debt collectors among others. Feel free to call or email me with any questions that you may have.     All rights reserved waive none i : a man,  XXXX  :  XXXX
I applied for a loan with Big Picture Loans- and came to find out after being approved for the loan that they are not licensed in my state and are also charging rates of interest that are illegal in my state. When I contacted them about this they told me that they operate on tribal land and are not governed by state laws and licensing requirements.
I originally noticed the fraudulent ATM withdrawals and debit card charges on my Wells Fargo online account on my wedding day ( XX/XX/XXXX ) while in XXXX. In total, 11 fraudulent charges had taken place between XX/XX/XXXX and XX/XX/XXXX, totaling {$1400.00}. Prior to leaving for XXXX, I had notified Wells Fargo that I would be out of the country so that they could authorize my card being used internationally. I was very surprised to see that many charges had taken place in the United States, granted that Wells Fargo should have marked my account as being out of the country. Once I noticed that charges were being made, I immediately called Wells Fargo to figure out what had happened, file a claim, and deactivate my debit card. 

After a few weeks, I was shocked to receive a letter in the mail from Wells Fargo, telling me that their investigation concluded that me or someone I know made the charges. It seemed just so obvious that the charges were not me since I was not even in the country. The claims specialist advised me that I would need to file a police report in order to open the case. 

After filing the police report, I re-opened my claim with Wells Fargo, this time sending them additional evidence including my marriage certificate ( dated XX/XX/XXXX that indicated the location being XXXX, XXXX ) and my flight confirmation that showed the date of departure as XX/XX/XXXX and return as XX/XX/XXXX. Again, all of the fraudulent charges occurred within those dates. 

A few weeks past and I thought this ordeal was finally over when I received a letter from Wells Fargo in the mail. Again, to my surprise, they were denying my claim. 

Since then, I have been to the Wells Fargo branch office and requested pictures from the ATM of the individual who was withdrawing funds from my account. It turns out that Wells Fargo is trying to claim that the man in the pictures is my husband ( who I was literally in XXXX with during all these charges, getting married to ). In addition, my husband is XXXX XXXX with a XXXX XXXX XXXX and the man in the pictures is very clearly XXXX. 

At this point, I do n't know what else to do because it feels like I have so much evidence and support that this was fraud, but it seems like Wells Fargo just wo n't listen. Although {$1400.00} may not be a lot of money for some people, it is a lot for me and it feels like Wells Fargo is now the " person '' stealing from me. 

I have attached my two bank statements that indicate which charges are fraud, along with my marriage certificate, and flight confirmation. I have also included the police report I filed, pictures from mine and XXXX wedding day, XXXX ID, and two pictures that show the man at the ATM withdrawing money from my account.
I financed a vehicle from XXXX who also goes by XXXX XXXX XXXX, and finances through United Auto Acceptance. I defaulted on the payments and the vehicle was repossessed in 2007. I was sued by XXXX/United Auto Acceptance and my wages were garnished for about 3 years. Now, 8 years later XXXX/United Auto Acceptance has filed another judgement against me for Continuation of Garnishment. Is n't this passed the Statute of Limitations in the state of Georgia?
I was in the emergency room ( hospital in 2016 in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) I had XXXX XXXX XXXX. I missed payments these 3 months. Once I had a chance and out of the hospital I caught up on all the payments. Now I have 12 missed payments on my credit report, I think this is hardship and they should be removed. I was in the hospital XXXX XXXX. PLEASE HELP AND REMOVE THE MISSED PAYMENTS FROM MY CREDIT REPORT. THANK YOU
In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, XXXX XXXX, and Ally. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.
First contacted XXXX, XXXX, XXXX XXXX and Bank of America about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by Bank of America, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX.  I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked Bank of America to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response. All three credit bureaus have returned these disputes as investigated and as being mine twice now with no evidence or proof I own these debts. No attempt to provide Proof of my  responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and Bank of America does not provide any proof of my responsibility.
The Business Card that I had and that was reported on my Credit File in addition to the Business Credit File whom had the primary responsibility to pay. Was paid in full after more than 2 years of on time payments. 
I complain about being in my report as paid and closed, being paid in full in addition to performing as previously said and now appears as closed in a derogatory status after paying in full and more than 2 years of having paid on time as I can see in the last two years of information. 

Paying in full for more than 24 months in a row and closing never means closed derogatory. 

The account was late once in the payment for less than 30 days from the payment date and responsibility the bank that submited the wire to pay from the business account. Was explained to the Capital One Bank and you mark my personal report as closed in a derogatory status when nothing was owed for more than 24 months?
WHILE WORKING ON MY CREDIT CARD ACCOUNTS TO SEE THE MONIES THAT HAS BEEN SPENT I CAME ACCROSS XX/XX/12 XXXX XXXX XXXX CHARGE OF {$2600.00} A CHARGE I DID NOT HAVE ANY CONNECTION TO. I CALLED TO REPORT IT TO XXXX AT NAVY FEDERAL XXXX. XXXX I SPOKE WITH XXXX AT THE BANK AND SHE TOOK THE XXXX CLAIM SHE SAID IT WOULD TAKE ABOUT 90 DAYS TO RETURN MY MONEY AFTER THEY ARE FINISHED THE INVESTIGATION. I GAVE HER ALL THE INFORMATION I FOUND ON THE WEB ABOUT IT WAS A SCAM, AND THE PHONE NUMBER AND THE BUSINESS NEVER ANSWERS. SHE WAS NOT VERY NICE. SHE ASK ME WHY DID ID JUST FIND IT. I EXPLAINED I WAS SEARCHING FOR MONEY I HAD SPENT IN THE PAST 5-6-7- YEARS. 
I AM NOT ASKIING FOR ANYTHING BUT MY MONEY RETRUNED TO ME. 
THIS WAS A SCAM AND I WAS THE VICTIUM. I WANT MY MONEY CREDITED TO MY ACCOUNT. YES I MISSED THE CHARGE BUT IT IS STILL A FRAUD AND I WANT MY MONEY RETURNED TO MY CARD.
On XX/XX/2016 I checked my XXXX report and noticed previously deleted inquires were reinserted back on my credit report and i was not notified that they were being reinserted
My bank account will not get approved so I can cash out. It 's really upsetting. It says it takes 1-2 business days and it 's been a week.
I received a phone call several weeks ago from the following number,XXXX. The lady stated that her name is XXXX and that I have a legal matter against me from a payday loan. She stated that I received a letter back in XXXX for repayment. I do not have this document. When asked who the company was, she stated that it was from a USAA payday services. I told her I could not recall this. When asked about if I could have documents that can prove this, she stated that I owe {$750.00} and that I need to make this payment before any additional legal matters can be pursued against me. When I asked again for documentation, she stated that she did not have time to provide that but if I was unable to make this payment due to hardships, she can reach out to a board to confirm if I could make installment payments. I was placed on hold for 10 minutes and she came back and said that a board approved for me to make installed payments in the amount of {$250.00} to close this legal matter out. When I asked again if there was any documentation that she can provide to me before I can commit, she stated that I would received a document showing receipt of payment. When I asked her if there was any document regarding the so called original letter that went out back in XXXX, she failed to provide any information to me. I was transferred to a payment center by the name of XXXX ( XXXX ). When I asked the rep about who they were, she stated that the process for over 20 companies and is a third party of the entity that has filed a legal matter against me. Again, no one was able to provide any details surrounding this payday loan or provide any documentation that would be sufficient for me to confirm this matter. I was told to provide my checking account information as these people have my home address and phone number. They were able to locate me and stated that in order to ensure that this issue is resolved, I needed to sign this form to have the first payment come out of my account on XXXX. I reluctantly provided this information due to the people stating that I would receive a receipt, however, I am still questioning the legitimacy of this matter. I want to make sure that I am not be violated against as I strongly believe that I am as I researched this XXXX number and I see many complaints of a possible scam. I have been a victim of identity theft in XXXX for which I closed out my accounts and went to the police back in XXXX because of stuff like this. I do n't want to be a victim of someone who is attempting to collect monies or if this company is violating any UDAAP policies towards me.
I started using XXXX to get a sugar daddy to help pay for financial problems i have already been having. I got in touch with one guy. I cant find his usertag anymore. But I do have the phone number hes been using to communicate with me. He transferred {$8000.00} into my account on XX/XX/2018. Asked me to send {$3500.00} to one of his other sugar babies, then {$3000.00} toanother. I thought nothing of it. The remaining {$1500.00} was to be for me. However the check bounced after it went through and now Im unable to access my account. Including my own paychecks. My bank is Navy Federal. Im unsure what to do ...
After mutiple calls from pinnacle credit after i advised them to stop they still kept calling. I was advised once that the debt was paid this would be removed from my credit report. They have ignored my XXXX complaints.
My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX XXXX XXXX and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XX/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with transunion and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.
I received a MasterCard gift card over a year ago, but didnt try to activate it until XX/XX/2019. To activate it, I had to visit XXXXXXXXowned by US Bank, the company that sells these cards. When I entered the account number and the 3-digit number on the back, I discovered it had already been activated by someone named XXXX XXXX, who made two XXXX purchases using my card number. The cards value was originally {$200.00}, and the XXXX purchases totaled about {$180.00}. There was {$8.00} in service fees, so the current balance is {$5.00}. The card was in my possession when XXXX XXXX activated it and made the purchases. 

I called the customer service number on the back of the card the next day, and spoke with XXXX about the fraudulent purchases. She said the only way I could report the fraud was to send a fax. She gave me the fax number, and I faxed my complaint. A representative called me back and left the original customer service number that I called. When I called back, I spoke with XXXX this time, and she told me to send the fax again. I told her that was ridiculous and wanted to speak with someone in the fraud dept. She told me the only way I could contact them was through faxno email or phone number. I sent another fax and this time, I didn't get a call back, so I called the customer service number again. When I entered my account number, an automated message said " this account has been closed '' and hung up on me. At this point, there's no way for me to even contact the company. 

I believe the fraudulent purchases were made by an employee of the company, since it was in my possession the whole time. I think that's why the company has given me the run around.
A credit collection agency unknown to me federal pacific credit Co made a false statement in regards to me agreeing to pay a debt I asked the company to send a validation of the debt in regards to the collection letter sent to me in XX/XX/XXXX I previously filed a complaint on the matter the company in returned stated in the response that I agreed in XX/XX/XXXX which would be impossible since they sent me a letter inXX/XX/XXXX XX/XX/XXXX
I file for bankruptcy CHXXXX on XX/XX/XXXX and the discharge of Debtor and Final Decree was issued and dated XX/XX/XXXX. On my XXXX and XXXX Credit Reports all of my accounts included in my Bankruptcy show as paid and/or included in Bankruptcy but on my Equifax Credit Report all the accounts included in my Bankruptcy are being reported as Negative Status.