WillisBack/dataset-financial-user-claim huggingface dataset:
I had an account with XXXX many years ago. We moved to a state where XXXX did provide service. This was over 8 years ago. XXXX did not have coverage for this area and we asked to be released from the agreement. They did this for us with no questions asked. 

Then, MCM began to call/send letters demanding money for an account we had with XXXX. I asked MCM for a detailed explanation as to what the charges are for and they provide me nothing. 

I just got off the phone with XXXX today ( representatives name was XXXX ). XXXX tells me that she can not provide details of what those charges are as they sold my full account to MCM and are not able to see the details any longer. 

I then hung up and called MCM, again. I explained the situation and the representative ( XXXX XXXX sp? ) explained to me that he could not see the details. I told him that was wrong and I have asked for this information numerous times. He said I could file a dispute and I told him I felt it was wrong that they continue to tell me these things and nothing happens and that I was going to report their company to the CFPB. He immediately said he was going to put me through to another extension and said the XXXX digit number and I immediately heard hold music. After being on the call for XXXX minutes ( mostly hold time when he transferred me to some other group ) I disconnected the call. This happened at about XXXX EST XX/XX/2015. 

All I am asking for from MCM is a detailed listing of the charges they claim I owe to XXXX. What I do n't understand is how they can do this and pass audits or financial reviews from XXXX party auditing companies without being able to provide that type of documentation or at least produce those in the files. They should be required to keep detailed account history of what they are collecting on and should arm their agents with the details so that they can speak intelligently to the consumer. I feel this is unfair and deceptive. 

We receive countless telephone calls from MCM as well as letters. The most recent letter actually reads " ... do n't miss this opportunity to say $ XXXX off your current balance of $ XXXX. We would forward to assisting you. '' They do n't assist you when you ask them for details on what they are collecting ; they only want your money. 

Please understand that I do n't have any issue in paying any amount that I may owe. As noted, when I ask for those details they ca n't or wo n't provide it to me. It just does n't seem legal that they can do this to someone. It would have been taken care of immediately if they had provided me the details when I asked but I refuse to pay something blindly.
I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.
These accounts should not be on my credit report. 

Credit Inquiries XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX OF XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX # Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX
This complaint is about a re-finance of an existing home loan.  The refinance is through the company that currently has the loan.  They offered the re-fi the first of the year, I applied for and received it, I have the approval letter.  Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal.  Since the approval letter came, the agent  XXXX, has put of sending someone to finish the loan.  it has been Eleven months and they still have not done anything.  XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done.  They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?"  He said that it was true and I told them that was not right and that since they made an original agreement they will honor it.  I told them that I was going to make a complaint to the CFPB but they acted like they did not care.  XXXX did not seem worried that I was  going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through.  Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located.  I have copies of the original application and the approval letter that show no dates of experation.  I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!"  About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage.  I was originally assured that this was going to be a smooth process but I was wrong.  All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away.  The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.
RE : Hunter Warfield Inc ( # XXXX ) I called the number provided when first contacted in writing by Hunter Warfield. I spoke to a representative on the phone attempting to make payments according to my financial capability. The representative was very rude and scoffed at my earnest effort to pay the bill over time. He said that every time a monthly payment would be made, that the company would charge an additional {$14.00} fee for payment acceptance thereby almost negating my attempt to pay over time. The representative offered no other solution to my problem except to threaten wage garnishment and court costs. In addition to these pressure tactics, Hunter Warfield contact my same phone number throughout the same day, every day, even late at night. This company went so far as to contact my employer several times almost causing me to lose my job. Please investigate this company as I believe that they have violated my rights as a consumer and this matter should be deleted from my credit report.
We obtained an FHA mortgage in XXXX 2009 with XXXX XXXX. Shortly thereafter within the same year XXXX XXXX was shut down by the Federal govt. Our mortgage was shipped to XXXX in Virginia. We ran into numerous problems that they did not provide to us ( i.e., original Title policy charged in orig. mortgage, asking us to pay {$10.00} a document when we submitted a QWR asking for the Assignment of Note from XXXX XXXX & discrepancies in Settlement charges ). From 2009 until present, XXXX has given us a plethora of Assignments - XXXX, XXXX, XXXX, XXXX. Approx a yr ago, we received notice form Selene Financing informing us that they would be servicing the Loan. After some months, they informed us that they were the Lender, even though they did n't identify themselves as such when sending us correspondence. They were acting as servicers for XXXX. We asked who sold them the Loan and if they would send us a copy of the Assignment. They told us XXXX sold them the Note, and Selene mailed us a copy of the recorded Note with the FHA #, LoanCare 's acct #, and the MIN # blackened out. What I ca n't fathom is how could XXXX sell the Note/Assignment when they have NO Assignment from XXXX XXXX?! I 've asked XXXX on several occasions to produce the Title policy included in the original mortgage but their response was " We have nothing to do with the origination of the loan. '' I 'm sure Selene will give us the same response. Does this mean XXXX, Selene and whomever comes along out of these tranches can lay claim to the property and not explain the services & charges that were not performed in the origination of the loan? We would like a resolution but we are so very hesitant to deal with these entities.
I XXXX XXXX was in the hospital from XX/XX/XXXX to XX/XX/XXXX that what I remerber in beween that time my money was tanken from hy account without my promise which navy federal denial my complain I even sent the dates that I was in the hospital they said it was denail becausr conflick date about lossing a card which I don't remerber do to a XXXX in which I was in on XXXX XXXXt I just remerber waking up in XX/XX/XXXX.and I XXXX XXXX when I can thourgh didn't have my XXXX XXXX XXXX XXXX I went from XXXX to hospital slect to rehab in a matter of 3 mounts was dismiss XX/XX/XXXX
XXXX did hard inquires on my credit report which I did not make must be fraudulent will not do anything about it
The nightmare started onXX/XX/XXXX when I accidently made 2 {$1500.00} payments. 

*XX/XX/XXXXMade {$1500.00} payment via Citi app *XX/XX/XXXX Made {$1500.00} payment from my banks web bank *XX/XX/XXXX I was informed by my bank that I had and overdraft due to the extra {$1500.00} payment. I immediately moved XXXX to cover the second payment. I contacted Citi and was advised to contact my bank and have them stop the payment since it was going to be resubmitted again that night. 
*XX/XX/XXXX After 2 more returned payments from Citi I called again to see if the issue was corrected.

*XX/XX/XXXX After calling daily without any explanation of why the payments were returned from Citi I re-entered my bank info ( since Citi deleted ).

*XX/XX/XXXX I made a {$200.00} payment that cleared *XX/XX/XXXX Payment of {$300.00} made and cleared *XX/XX/XXXX Payment of {$500.00} made and cleared *XX/XX/XXXXCiti Supervisor advised that hold was placed on the account and that I could not use until XX/XX/XXXX. He assured me that the hold would be removed and that there were no other issues.

*XX/XX/XXXX Payment of {$1500.00} made and cleared.

*XX/XX/XXXX I was on the phone for hours and was told that my account was closed and would not be reopen. Because I was advised to stop pay on the original {$1500.00} duplicate payment it caused my account to be closed.

I have been a Citi customer for years and have never made a late payment!! I make several large payments a month and this card is used for my husbands work expenses. None of the returned payments caused my account to become delinquent. I also paid off a high balance Citi card several months ago.

I am really upset that Citi did this to a great customer who makes their payments ontime-I bet if I was having issues with my payments I wouldn't have been treated like this!! They call when I used my card 2x at a gas station but can not call to advise me of this issue. I guess it doesn't pay to pay your bills and do the right thing!!
After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.
DISPUTE PROCESS # 1 XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$900.00} Original creditor : 01 XXXX XXXX Overview : You 've paid off 0 % of your collection amount. 
Balance : {$900.00} Highest Balance : {$900.00} Opened : XX/XX/XXXX ( 1 yr, 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements DIRECT DISPUTE If there 's an error on your report, you can submit a dispute without leaving Credit Karma. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DISPUTE PROCESS # 2 : The information below is also part of another dispute process through XXXX XXXX that XXXX refuses to remove negative information from my credit reports. 

XXXX : XXXX Debt Collector XXXX Creditor Balance Disputed XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX
1.This is maybe my Fourth Dispute with Experian since XXXX of 2016 with nothing Resolve. 
2. I received with completed Disputed Results with Someone else Accounts on it, XXXX XXXX XXXX Accounts that 's obviously not mine. 
3. Experian states that everything on my credit Report is Verified and Accurate but how do you make a big mistake like that again that just proves my argument 4.I have attached my Credit Report Disputes Results to my Complaint. 
5.Please Experian Attach All Documents That you have on File. I Do have the Right to Request Verification all Negative Items. 
6. I Want the 6 outdated paid in full Student Loans accounts remove because its still preventing me from Making Purchasers, if its paid in full was is still showing negative when i have attached the Department of Education letter stating XXXX balanced owned. 
7. Please Experian Respect My Federal Rights and The Fair Credit Reporting Act. 
8 This is My Last Good will Notice since Obviously you make your Own Rules and you Dont have to live by Laws. If this is Not Resolve in the giving Time i will Be seeking ligation because in everyone response you have denied me my rights
I am not actually the primary party. I am the Third Party. I was contacted and asked for a family member 's information after I clearly stated that the person did not reside at MY number. I asked what the call was about and he said it was a personal business matter. Then do n't call me. He also refused to tell me what company he was with, but XXXX knows. Enhanced Recovery Company.
I recently got a cash card to link with my PayPal account. I rarely used the card it was more of my card for a rainy day and so I was depositing money or my friends or family would send money and deposit with my PayPal link. So as I was going to pay a bill the other day I became aware of the amount I should have had wasn't there. So I reported the charges to PayPal who claimed other transactions contradicted the complaints I had. They were a XXXX and XXXX charge on my account and a few pizza charges these are things I wouldn't do I don't eat pizza and I don't have a need to use a hotel on any level.So they denied my dispute and even though I said that if a transaction did occur just because of other transactions doesn't negate that there are other charges unauthorized and as such my monies is protected I called these places and oone hotel XXXX  XXXX said they would correct the charge we spoke on XX/XX/18 and XXXX XXXX hasn't returned calls ive made, phone messages also. I change my PayPal password and added notifications to alert of ANY transactions made thru text or email so as to protect at the point of use instead of way after and to note that I will check my account weekly or byweekly and just more frequently to keep track of all transactions.And to swiftly address instead of being surprised as I was to know I had enough to pay a bill then find out because the unethical motives of others I've become a victim and I now feel vunerable and untrusting of the unown situation or people
On XX/XX/2018 I was scammed XXXX.. I called Wells Fargo for them to stop the payment. They told me they can not do anything and I have to reach out to the recipient which I did and I did not get a response. I called and text the number was no longer in service. This is so frustrating because my bank should be able to stop payment and help me out with this transaction. The transaction was with my bank Well Fargo through XXXX.
Larry Miller XXXX, XXXX, accessed my credit report, while i was not even in the loan process. Neither I was present at the dealership while my report was pulled. When I brought it to their attention, they did not disclose the whole truth, and told me they never got my credit score. However it is showing in my credit report that a hard inquiry was made by XXXX XXXX on my credit. They told me they were trying to pull credit score for another individual, which name does not even remotely match with me. ( We have the same address, but i dont think that should matter. ) They told me that person 's social security number is similar, thats how they got my credit report by mistake. After verifying with the person whose credit they were supposed to access, his social security number is not even close to mine. I asked them how did they got my credit report, they told me its a system error and they " apologize ''.
Wells Fargo Home Mortgage has yet to provide me anything documented by law that states on an all California All Purpose Certificate Of Acknowledgement that some notary as stated by wells fargo home mortgage can sign my name and say on there documented ( IPERSONALLY APPEARED BEFORE THEM ) HOW IS IT WELLS FARGO MORTGAGE CAN SAY OR THE NOTARY SAY I APPEARED BUT ITS NOT MY SIGNATURE ON THE DOCUMENT. 
Wells fargo home mortgage has yet to provide me anything legally by California law that states any one can sign an document that states I personally appeared and what law in the state of California gives wells fargo   the right not to let me see or no why corrections agreement & power of attorney was made with out my consent or knowing. 
All wells fargo keep responding back saying with out any documented proof of the law that states that there notary can sign for me as me and say I appeared. wells fargo home mortgage has yet to address the issue they keep talking or responding back to not the real legal issue.
XX/XX/18 - Received voicemail from blocked number threatening a process server. No information regarding debt or company involved XX/XX/18 - Company contacted my place of business and told the office manager that they were a lawyer attempting to serve me. Left the name XXXX XXXX and phone number of XXXX XX/XX/XXXX - Received letter from BV Solution claiming that XXXX XXXX had forwarded account for collection on XX/XX/XXXX and provided a settlement option and an extremely suspicious web address for payment XXXX XXXX  XXXX. 
Called the number on the letter - XXXX and was advised that the account was no longer in their office and had been referred to another agency called " XXXX '' and to call them at XXXX. Called number and it went to a full voicemail box. 

The debt referenced on the letter was paid in full to the issuing bank on XX/XX/18.
Experian is now showing my payments to XXXX XXXX services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.
I had a payment authorized to be pulled for the month of XXXX on the XXXX which was a Friday. Well it never pulled and Key 2 Recovery claims my card declined on XX/XX/XXXX for insufficient funds however I watched my account and I had more than enough funds. However Key 2 Recovery did not contact me to tell me anything. Finally I got through to them through email and they finally pulled the payment the XX/XX/XXXX and yet I still hadn't heard from anyone in this office. Then Thursday XX/XX/XXXX the CEO XXXX XXXX contacted me via email roughly two weeks later stating my card declined and they were planning to take action to collect the entire remainder of the bill. The CEO is very harassing and talking down to me, he continued to blame me despite the fact their office never contacted me. He sent me a small screen shot showing the word " declined '' against a black screen however there was no indication this was truly my card. He claimed he couldn't send me proof of my card declining, however then Friday the XX/XX/XXXX he actually did end up sending the information. I am tired of being harassed by this company when I am paying a monthly payment every month and yet that whole office continues to harass and threaten me.
I was married, went to college during our marriage, my student loans were based on married filing jointly income. My husband died in 2009. We had no assets to cover my student loans and I also lost my home to foreclosure. We lived in XXXX community property law applies including debt. 

Question : Is my deceased husband considered a borrower since his income was used for my student loans? 

Question : I was told by US dept of education that I do not qualify to have the loan forgiven, cancelled or discharged is this true? But it clearly states that if a borrower dies the loan debt will be cancelled or discharged. His income was used to determine my loan which I assume would legally make him a borrower. 

I am In default currently and the only options Ive been given is rehabilitation and income based repayment on the total balance which seems very unfair. He made more income than me and he is deceased and can not help pay the balance it was determined both of our incomes can afford. 

Please help! 

XXXX XXXX XXXX XXXX