WillisBack/dataset-financial-user-claim huggingface dataset:
I had been looking for a new laptop because of school, and since I didnt have enough to buy a new laptop I went online to look for a used one. In the ending of XXXX I came across a XXXX XXXX. This seller told me that they got two from a scholarship and that they could sell me one, so I asked if I could negotiate the price. Eventually, I got the price to {$300.00}. This may not seem like a lot but for me it is! He/She told me too use XXXX. I thought okay this is backed up by my bank, so Ill be safe even if something happens. I made the transaction and then the scammer says that they are on their way to ship my laptop out. Ive been waiting weeks and I have NOTHING! The scammer blocked my number and I found out that it was a fake number too! So my question is, if this is so safe then why is it so easy to make an account? There should be protection just Incase anything goes wrong. I understand this couldve been avoided if I wasnt being so cheap, but what can I do now? I have no money, I tried calling my bank they left me on hold for hours. I was told to make a police report, seriously so Wells Fargo cant help with anything??? I am very upset because I thought Wells Fargo would have my back with something like this but I guess not.
I refinanced mortgage and according to Ditech Financial, the loan was paid on XXXX/XXXX/2016. At that time, my escrow balance was {$4600.00}. However, Ditech Financial deducted another MIP premium payment for {$300.00} on XXXX XXXX, 2016, after the loan was paid off. 

According to my title company attorney, Ditech should not have taken any more full MIP payments after the loan was paid off. 

Can you please help? 

Thanks
I closed out my Discover credit card account months ago due to a dispute over Discover billing and late charge practices. On XXXX XXXX, 2016, an unauthorized payment of {$32.00} was made to the XXXX company by Discover without my knowledge. 
or consent, for a product I did not order or receive. 
When I signed up for the card, it was because Discover advertised it would never pay a disputed bill. Now Discover is demanding payment for a charge made against a canceled and destroyed credit card.
On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.
Knights Adjustment Bureau ( KAB ) - I contacted Knights adjustment Bureau on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. KAB proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as KAB continued to provide incorrect information. As it stands today XXXX shows an amount due of {$1000.00} and XXXX   shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.
On XX/XX/2017 I contacted NelNet via their website chat feature to ask what would happen if I made my monthly student loan payment early ; specifically, would the auto-debit still be deducted. I was informed that because it was an income-driven repayment plan, the auto-debit would not be deducted. I have a copy of this chat transcript. The amount in question is {$720.00}. Based on this advice, I went ahead and made my payment early. 
On XX/XX/2017 - I received an e-mail informing me that an auto-debit in the amount {$1200.00} would be coming out of my account on XX/XX/2017. This alarmed me, because I am used to payments in the {$720.00} range. I have a copy of this e-mail. 
On XX/XX/2017 I contacted NelNet via their chat feature. When I asked about the amount mentioned in the e-mail I was told it was an error and that I can could disregard it. I asked about the auto-debit being active. I was informed that an auto-debit will always be active, regardless of manual payments made previously in the month. This information is in direct contrast to the information received on XX/XX/2017. Based on this information, I went ahead and deactivated my auto-debit - as I do not want to make an additional payment - whether it be for {$720.00} or {$1200.00}. 
I am concerned about the accuracy of information I am receiving from NelNet - I do not believe I am being serviced with care - which of these " stories '' is accurate?
In XXXX XXXX, I opened a loan with another person through GM Financial. I was placed on the loan as co-borrower, however, never placed on the title of the vehicle, I was only placed on the loan documents. I am unsure why this occurred. When the primary person did not pay the loan, I paid the payments. I went to the DMV to attempt to take over the vehicle. By law in Ohio, if the other person does not sign for this, you can not be added to the title. The primary person obviously refused to sign the documentation. I have since taken this person to court to mitigate the situation. There are XXXX judgment liens, XXXX for the total amount of the contributory share, and a year later when the primary still refused to pay, the other to foreclose on thier home for the amount I sued for to pay off the loan. The primary person filed bankruptcy XX/XX/XXXX. 

I tried again to get GM Financial to give the vehicle to me via other means such as forcefully placing me on the title through the court. GM financial has refused repeatedly to help. In XXXX XXXX, GM Financial finally repossessed the truck, there was not a payment due on the vehicle until XXXX XXXX. 

I have tried to add the vehicle to my insurance, but was told it is illegal since the vehicle is not titled to me. It would be considered insurance fraud to which I could be tried and persecuted. 

I am held as a hostage, I continue to make these loan payments, I am unable to obtain ownership of the vehicle, as well as unable to insure it because I was never placed on the title or registration. 

GM Financial currently has possession of the truck and I continue to make payments on time monthly. They refuse to work with me or my lawyers. I have exhausted a great amount of resources attempting at a resolution to this matter. Attorney 's fees included. I am still in the same predicament. Only now, GM Financial has possession of the vehicle.
Trying to get me to pay a debt that I do not owe. This debt is owned by another company and is past the statue of limitations.
Received post card on Monday, XX/XX/2018 advising of a NSF fee charge of {$38.00} on XX/XX/2018 for payment of check number XXXX for {$50.00} with a balance of {$44.00}, see attached image. 

I have reviewed my account online. When the check cleared the balance was {$210.00}, see attached image.
This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .
I have been a victim of identity theft. I have a FTC affidavit and a police report and Experian, XXXX XXXX will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XX/XX/XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.
XXXX XXXX claims they represent XXXX XXXX XXXX in attempt to collect a debt in my name at the amount of {$180.00}. 
I 'm not aware of this debt. My relationship with XXXX XXXX XXXX ended in XXXX 2009. Even if such debt existed, based on Statute of Limitations for this kind of debt, which is six ( 6 ) years, it 's run well past the SOL. The debt has never been marked on my credit file and does n't exist as of the time of writing of this complaint. Neither the collection agency nor the original creditor may pursue any kind of collections since 1 ) no legal actions as an attempt to collect had been initiated within the time frame allowed for this kind of debt by the applicable law and 2 ) the SOL had expired as well.

Based on the above, the actions of XXXX XXXX are considered to be illegal and in violation of the corresponding Federal Law.
XXXX  dispute removed a collections account after opening a dispute and the collection is removed but the company re-reports the information to my credit agency after removall. 

Name of collection agency : XXXX XXXX XXXX. 
Amount : XXXX Account : XXXX * * * Creditor Information - XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX Please help
About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! 
Regards XXXX
I have been paying on my student loans since XX/XX/2016. I have been enrolled in the Public Student Loan Forgiveness ( PLSF ) program since XX/XX/2016. XXXX XXXX XXXX is improperly tracking payments. They have tracked 12 payments for me since that time. I have called to get adjustments and they have failed to do so. When speaking with a representative they say all my payments have been tracked. i have made 31 payments and followed all the re-certification required. XXXX XXXX XXXX is not abiding by the program rules and in tune not tracking payments. 

I attached statements to show the improper tracking over the last year. I am not able to retrieve earlier statements.
I had recently sent a letter to cfpb showing that navient who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both navient, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Hello, After contacting the XXXX XXXX XXXX XXXX XXXX, they helped us identify that we are potential victims of mortgage fraud and insurance fraud/bait and switch on our original FHA XXXX mortgage. However they say they do not have funding or attorney availability to assist us. 
I was charged for $ XXXX in homeowners insurance for a number of years. After a recent incident that was estimated & gt ; $ XXXX in damages, it was found they only provided approx. $ XXXX total in coverage. I cant get work done because the mortgage company holding the insurance money and now trying to foreclose ( CVE XXXX ) despite the fact we have been following their instructions and they have nothing filed at the local courthouse to identify a lawful foreclosure. We have all copies of all documentation to include the {$90000.00} of insurance and inter-office instructions from Bank of America telling their inspector to lower repair estimates. 
We do n't know what to do and are tired of living like this. Any advise or help you could provide would be greatly appreciated.
I was hit with {$780.00} in over draft fees in one weeks time. I tried to talk to TD bank, but they were no help and refused to do anything to assist me in this matte.r
Wells Fargo owes me a check in the amount of {$1700.00} ( XXXX XXXX XXXX dollars XXXX XXXX cents ). 

I closed my Wells Fargo account in late XX/XX/2018. Two refunds were issued and posted after the account was closed ; when a merchant issues a refund and when it posts is beyond my control. Per the unilateral action of a Wells Fargo telephone customer service representative, a claim was filed for said amount ( Claim # XXXX ) on XX/XX/18. 

I have called the claims department, spoken with miscellaneous supervisors, and the executive office on an almost daily basis since XX/XX/2018. During that time, I have been told conflicting information regarding if the check will be sent, if the check has been cut, a general time period in which I will receive it, and the amount of the check itself. Moreover, I have been shouted at, hung up on, and been given the runaround during that process. Notwithstanding Wells Fargos egregious conduct, all I want is a reimbursement check for the amount cited above. That money is mine, it does not belong to Wells Fargo. 

In short : I have done everything I can to resolve this issue with Wells Fargo to no avail. Im owed a check in the amount of {$1700.00}. Wells Fargo has yet to provide a remedy. Instead, they have given me the runaround and conflicting information. I seek the assistance of the CFPB to resolve this matter.
Rapid Cash aka XXXX XXXX refused to process scheduled payments. Associate told me that I am responsible for additional interest on afore mentioned payments. 
Large billboard advertises % 7 per month on title loans, with no mention of {$2500.00}. loan min. to secure this rate. I was not informed of this before I signed the loan. XX/XX/17.
I purchased a XXXX home loan from XXXX XXXX XXXX XXXX in XXXX XXXX, made payments constantly until crash of XX/XX/XXXX, missed 5 payments in a row. during the time I was unemployed my mortgage servicer transferred from XXXX to XXXX. XXXX, sent me, as they have done others, a package for modification of a loan, and upon filing the paperwork out, and also being employed again, XXXX systematically and continually denied a home loan modification or refinance option. XXXX, due to bad publicity and muilti-state claims sold the loan to XXXX, who have continually done the same thing. Over 30 faxes, and over 25 emails, my account has been locked accoring to an XXXX representative attending a home free usa workshop, two months ago. All XXXX has done is rack up interest, penalty, debt without offering and approving either a modification, refinance, or allow payments to be made on the loan. Over $ XXXX in interest and penalty. XXXX refers homeowners to government agencies such as XXXX XXXX XXXX, who take all of your information, and resubmit your information back to XXXX! 

How many others have experienced this level of fraud!
I receive a cancellation of debt letter from XXXX XXXX about a charge off I had in 2011. I submitted a document to all XXXX bureaus however Experian have yet to honor this " cancellation of debt '' document and continue to report this account with a balance.
I have been fighting XXXX issues with TransUnion. It still has not been resolved. The first problem is they are reporting a XXXX Tax lien that should have been removed some time ago under the XXXX XXXX XXXX. There is no way that TransUnion even researched this or it would have been removed by now. The other thing is the XXXX they are reporting. I have contacted the XXXX house directly and they said they DO NOT CORRESPOND WITH THIRD PARTIES FOR Credit reporting purposes. Again indicating that TransUnion was not able to validate this anyone with a computer can look something up but it does n't mean it accurate.
I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice. The accounts that were removed are XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX.
XXXX XXXX has reported me as charged-off, even though I have settled the debt for {$850.00} with XXXX. The account was not a charge off, but rather a settlement and I have attached all the cleared checks to show the total of {$850.00} was paid to settle the debt in full.
I had a mortgage through Lender Live  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  PA  XXXX . My loan includes escrow payments to cover the property taxes and the homeowner 's insurance.     In  XXXX   XXXX  Lender Live failed to pay the homeowner 's insurance and it lapsed. I paid the insurance personally once I became aware of the problem and was eventually reimbursed.     In  XXXX  of  XXXX  I decided to check and see if the property tax had been paid and I discovered it had not. I paid that personally as well.     The property taxes were due on  XXXX   XXXX . Lender Live sold our loan effective  XXXX   XXXX  and they did not pay the property tax. I have asked for a full accounting of my escrow account. They have no explanation for why they are collecting the escrow and then failing to responsibly pay the bills when due. Lender Live is no longer the loan servicer but when I contacted the new loan servicer they were unaware of where the escrow payments should go and also said there was no indication the escrow was to pay property tax as well as insurance. The total escrow collected is significantly more than the total of the taxes and insurance.     I think Lender Live is horribly disorganized and irresponsible.
This company has been harassing me and my relatives about a debt that I can not verify from 2006. They claim to have sent 40 letters to me, but I have not received anything. Now they claim that the only course of action is that I pay by the end of the month or face legal action. Additionally, they have made harassing phone calls to my family about said legal actions. They are also claiming to be a third party to the actual debt collector who they will not name other than " their client ''. Finally, they also threatened to have my wages garnished by the IRS.
A company called FBCS inc has repeatedly called me and attempted to collect personal information from me. They state they can not share their reason for collecting this information and can not give me further information until I give them all of my personal information. 
I received a letter stating that they were trying to collect I debt I owed to XXXX. I contacted XXXX and they stated my account was fine ( and had even been closed for several years ) and no debts were ever owed and FBCS inc does not represent them in any way. 
This is obviously a scam. 
Several other people have commented on online reviews that they are also being harassed by this company. 
This is the second year in a row that they have been harassing me by phone and by federal mail. 
Last phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
Letter dated XX/XX/XXXX.
I 've been trying to complete home modification since 2011. I have never been told trial payments were to begin by Mortgage XXXX XXXX with Bayview loans, previously XXXX, and XXXX. The amount past due XXXX, Now new XXXX is XXXX, which was original amount of Loan. Please inquire of accounting, why no reduction in payment since I 'm XXXX % lower on my income. How they keep filing BKR each 6mos decreasing my credit score and foreclosure completed. I 'm always some paper XXXX not includet, when I well aware yrs what I need. I need to keep my home. Is there any financial assitance. Can I have referred to OFHA. I Really appreciate assistance and need to see if this can go
I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.