WillisBack/dataset-financial-user-claim huggingface dataset:
Here is my complaint letter to national Credit Services sent today : My name is XXXX XXXX. I had arranged for a payment plan on XX/XX/2018 and then amended this on XX/XX/2018-Rehab program arranged. The first arrangement based on the notion that I would pay less because I have a heap of medical bills to pay from a XXXX XXXX in XX/XX/XXXX and was trying to create some kind of requested statement. I could not make that happen because of bills from several docs, surgeons, hospitals, etc. so out of honesty and complicated circumstances, I called back and said to forget about using those expenses to lower the monthly cost, I would pay higher rate. 

XX/XX/2018. The new plan was arranged, I gave my bank account information and was told that I would have to make 9 consecutive payments and then we could move on to the next phase of payments and out of default status and no garnishment to my account would be made. 

XX/XX/XXXX, I go to work and find that a garnishment was indeed made AND you are taking the arranged payment out of my account. 

This is problematic for several reasons : You pick on people that are obviously struggling. Your tactics of bullying and forcing them into arrangements that are not clearly explained is unethical and will be reported. 
You say you have reviewed all the conversations, yet I can not defend myself nor can I trust what you are saying since I can not afford to subpoena you to hear the recordings ( that may not even exist ). 
The documentation I sent to verify my income was sent as asked more than once and your system apparently can not decipher the information OR you do not respond to anything that goes to XXXX No one warned me that my wages would be garnished in enough time that I could try and make alternative plans even though I made an agreement with you Your representatives today are telling me that even though a signed contract was sent, because payment was not made in the 30 day time period, which I did not understand, I would still be garnished. I understood it to be to sign the papers. I did not want to give my financial information to you until I verified who and what you were. There are a lot of scammers out there and I ma still not trusting this situation. 
Why would I still sign an agreement for XXXX XXXX monthly payments to be voluntarily made knowing my wages would still be garnished {$200.00} per paycheck? 
My expenses exceed my income. How can I pay {$400.00} out of my monthly income without going to bankruptcy court? This creates an extreme hardship for me. Note my expense report attached. 
Your representatives are not clear with the deals being made and misrepresent what the outcome would be. 
Your company uses unethical practices to bait and switch to customer. I will be sure to report this to everyone that I can. In a time when everyone is struggling to keep their heads above water, with ridiculous rents, terrible job options and high cost of living, the last thing we need is suffocating debt collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX
I was approached last year (? ) for a debt that was not mine. ( originally XXXX or XXXX, ca n't find the debt collection name or other correspondence ) ) I filed a complaint with you then, and the issue went away. 

A company called Stellar Recovery, XXXX MT XXXX apparently acquired information and then filed that with Experian and they put it on my credit report. That dropped my rating from 826 to 650 or so. They never contacted me before doing this. 
I called them at XXXX. EST, XX/XX/2016 and told them this issue was settled with the prior company and that they need to correct immediately. Further, I am really XXXX that they would report this as an unpaid debt without even contacting me. I told them I will be reporting this to the CFPB.
I am a veteran and I work for the   XXXX   XXXX   XXXX   XXXX   . In 20  15 I was  placed on FMLA ( medical leave ) due to the  XXXX  of my   XXXX   XXXX  . Because I was unable to work I became delinquint on my car loans through USAA. When I became delinquint  USAA  blocked all access to mu checking accounts. USAA is an online bank and is refusing to let me access my accounts online and through the USAA app. USAA is holding my checkin g accounts hostage until I fix my car loan theough them, but I need to se e my checking / savings accounts in order to make proper financial decisions. When I contacted USAA to work out a financial remedy to catch up on the auto loan they refuse to give me access to see and monitor my accounts, until I pay them what I owe. I can not get bank statements online or monitor my checking or savings accounts for almost 2 years. I know of no other online financial institution that completely blocks all online banking due to the account holder falling delinquint, which in turn prevents the account holder from making any accurate financial assessments, monitor for inaccurate account activity by USAA, or even regain financial stability after a huge medical setback. USAA claims to be there for veterans, but as I am a veteran I have seen nothing but borderline illegal debt collection practices and a 2 year attempt to completely block me from seeing my checking and savings account. When I attempt to log on via the USAA app or online banking I am denied for security purposes. When I call the security department they do not give me access to my accounts they only direct my calls to the debt collection department. When I ask the debt collection department for access to my accounts so that I can see my checking and savings to manage my finances I am told by debt collection that I will not get hose privelges back until I pay USAA what is owed. When I tell them th at keeping me blind to all my monitary accounts does NOT allow me  to make accurate financial desicions I am deny the right to online banking from  USAA  which is an online bank! The only branch is inTexas and I live in Ohio. I want access to my online bank accounts, bank statements, and the ability to see and use the online banking tools to serve in my financial recovery, pay my bills, get groceries without operating financiall y blind, even if I  owe USAA money.
XXXX, Equifax and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) B Class, EV from XXXX ( XXXX ) : 1 ) XXXX attempted to charge {$600.00} maintanance fees during lease at service. 
REFUSED to pay. 
2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX Class cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised XXXX Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from XXXX statment, owed for 2 tires and end of lease cost, total $ XXXX+. 
5 ) Phone call to XXXX XXXX Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with XXXX Mgr who sent another statement 2 tires removed XXXX XXXX added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay. 
6 ) XXXX XXXX XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days. 
7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from XXXX Manager not received.
On XXXX XXXX, 2018 I received in the mail a XXXX credit card from Wells Fargo that I never applied for. I immediately called Wells Fargo ( after verifying the phone number on their website ). Their department that investigates matters like these is supposedly looking into it and will call me in the next day or two. Rather than giving them any personal information over the phone, I told them that I would go to a Wells Fargo branch to officially close the account.
I have submitted information that proves that fraud affected my account and have asked that the activity was removed. I got a response from XXXX and they removed the activity, but not from XXXX and TransUnion in a timely matter resulting to me not being able to get a house for my family. I 'm very disappointed and really need some results.
Loan began XXXX 2009. Original note : XXXX. Appraised value : XXXX. Conventional loan. Never missed a payment, auto withdrawal from bank acct. I have contacted BofA numerous times over the last 6 yrs attempting to have the PMI dropped. Customer service has given me many different responses, including it will NEVER be done. Last person I spoke to 18 months ago told me to wait for about a year and my loan balance will then drop to less than 78 % of original amount, and it would AUTOMATICALLY be dropped. I waited 12 mo, called back, only to be told to wait a few more months. In the meantime, each call generated a letter to me advising me that I would need to have an appraisal done to have the PMI dropped, and that even then, the bank has the option to refuse to drop it. WHAT? What happened to the FEDERAL LAW that states the bank must terminate the PMI when the loan is less than 78 %? Today, I called AGAIN and was now told that the bank does NOT have to terminate it automatically, that I have to REQUEST it, and all they can do is send yet another letter telling me I need to pay $ XXXX for an appraisal that BofA may reject!! How can they get away with this? What I want is the PMI to be TERMINATED per Federal Law. I want reimbursed for any PMI they charged me for since the TIME my loan met the Federal Law requirement.
My last visit to XXXX XXXX I was told in an inadvertent way that I should make a small purchase once per year or the store will close my credit account. I thought about what the lady said and the next day I call to discuss and I asked the customer service person to confirm if what the lady was stating was true. The last confirmed it to be true. I said I might as well cancel, if I am going to be forced to something. They reported on my credit that it was closed by the store and it was not. My credit score was affected, which caused me to receive a slightly higher rate on my auto loan. Can you please assist with the matter. Thanks
I am trying to unfreeze my credit report. I have attempted to contact them many times for the past day and a half and can not get a person to talk to or the correct prompt to help me. I have tried to unfreeze it online and have not been able to do resolve my issue. 
I requested my PIN and it does not work!!!!!! 

I am very frustrated with this process. They should have a customer service person available at all times. 

Please have someone call me.XXXX or XXXX thank you XXXX XXXX XXXX
Recently opened a monitoring service and seen that there is this Vehicle loan for {$5000.00} from 2013.I have no association with this loan and have tried to dispute and work this fraudulent loan out with the creditor. The creditor has done nothing to remove this fraudulent loan.
I have a Mortgage with Chase Bank that is a XXXX account. I was denied a loan modification from Chase many times. I send all of the papers that they ask for and they continue to ask for the same information over and over again. Every time they deny my loan modification. Chase is impossible to work with. Now they are trying to foreclose on my home. I am a VETREAN XXXX. All I have been asking for is help from Chase. There are payments and escrow money missing and ca n't be accounted for.
When I enter my personal information to receive my credit report, I am told that there is an error with my social security number and that my information does n't match any of your records. I am certain that all of my information is correct.
I have been struggling for over a decade to get affordable payment options for my student loan. 4 years ago I was set up on a payment plan to repay my loan. It would prevent my account from going into default, lower my interest rate and make my payments much more affordable. I signed up in a couple years went by. I get phone calls I need to reapply for this loan payment plan, It was quite a hassle to get them to put me on the same program again and involve lots of threats on their end but they finally put me back onto a payment plan. They never told me there was a time limit on this program so I dont know how long it lasts for and they never sent me a form of the contract besides one document that says theyre taking the money out that they said once a month. Apparently the plan expired in XX/XX/XXXX I have not re-signed up for a plan because they are no longer offering it to me and I am looking at getting a lawyer to deal with them because all the promises that they made have not shown up on my credit. My loan went into default even though I was on the program and now only a few months after this repayment plan expired my loan was sent to a collect Agency. To my understanding they should not have sent my loan to collections in such a short period of time after a payment as it is less than 270 days. Name of the collection agency is XXXX XXXX XXXX XXXX in XXXX Florida
XXXX was previously deleted from my credit reports due to the account not being mine. The account has now reappeared to my Equifax as a delinquent account. This account is not mines. The balance on the account is XXXX.
The collection agency refuses to provide me any information on why they are contacting me. 

The rep did say it was related to my XXXX XXXX. XX/XX/XXXX, I contacted 5th/3rd bank and asked for a payout amount on my car loan. I issued them a check for that amount. Over 2 years later, they contacted me stating I owe an additional amount. 

I have made it very clear, I believe the loan has been paid in full and need an explanation of why they did n't contact me for 2 years and why they believe there is still a balance. They refuse to provide me any information.
This is in regards to open complaint # XXXX. 

XXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ]. 

I now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer. 

I am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ]. 

XXXX XXXX is literally ruining my life as I know it with their careless malpractices.
On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Experian. I followed up with Experian and was informed that a collection action was reported on to my credit file with Experian. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ),  the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact Experian again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and Experian made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.
Land Home Financial is reporting a debt discharged in CHXXXX Bankruptcy on my credit reports. I have notified them of this error previously and they have admitted their error but every year or so they start reporting the debt again.
My mortgage is being serviced by Ocwen Loan Servicing. This company is a horrible company to deal with. I have read nothing but bad reviews and complaints on the XXXX website and I wonder who is looking into this company. Their practices and policies are outside of the scope of normalcy and all they seem to do is charge fees and set unrealistic goals for homeowners. I had fallen behind on my payments and tried to get a modification through the government program for that but was told by Ocwen tht I did not qualify but was not given a reason. So, their solution to that was to give me their version of a modification. The payments were within my budget but I fell behind again because of a medical situation and high medical bills, I am consistently 2 months behind and was told recently that I could send in " extra '' money to catch up, which I started doing but am now being told by my " relationship manager '' that it is not going to help. They keep pushing me toward another of their in-house modifications, which I am sure only serves their interests. The only other alternative is to ut {$1000.00} down on a repayment plan and pay $ XXXX/month for 5 months. I told them if I was having trouble paying $ XXXX/month for my regular payment then how could I pay {$1000.00} down and {$1200.00} for 5 months? They said it is the only way other than doing another modification. I am getting foreclosure threats from them in the mail. Also, when I have the money to send to them, I can not pay it online without a fee because they penalize anyone who is late by not allowing them to pay online without a fee to do so. There is no way to make an immediate payment without being charged another fee. So, I am forced to mail my payments which take weeks to clear, and more late fees are charged. It is a no win situation for any struggling homeowner whose loan is serviced by this company. All one has to do to understand how bad this company 's practices are is to go to the following : XXXX I am afraid of losing my home and have tried every reasonable thing to get myself current with them but they are not willing to be of much help. Also, I think it is a common complaint that this company, or at least its call center, is in another country and that the representatives are hard to understand. I pressured one of them into telling me where they were and was told XXXX on one occasion and XXXX on another. This company does not have the best interest of American homeowners in mind. They only care about making money by fees and unrealistic goals set to make it hard for homeowners.
Navient ( formerly XXXX XXXX ) continually calls me throughout the day. I am well aware that I owe them money, I intend to make these payments as soon as I can, and am trying to work so that I can make the payments I owe, but can not do so when they call me hourly throughout the day, leaving pre-recorded voicemails, or nothing at all. Today, XXXX/XXXX/15, I have been contacted at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Based on their track record yesterday, I expect at least 2-3 more calls before the day is finished. Yesterday they contacted me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com,  XXXX ) I am extremely concerned about fraud with this company. 

On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. 

Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan.

Please investigate the legitimacy of this company and advise on this issue as soon as possible.
Worked with Quicken loans to refinance home. They were misleading about lender fees therefore withdrew consent on application and went with another company. They charged my credit card  XXXX  $ without explanation or authorization. I never authorized this payment. They have some serious business practice issues with regard to misleading customers and not fully disclosing their fees. After they were denied my business they unlawfully charged my card. I am disturbed by this company being allowed to operate in this manner.
XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.
I initially contacted my mortgage company XXXX XXXX to make payment arrangements XX/XX/2017. I was told since I was affected by a natural disaster I would not incur any late payments and my credit report would not be affected for XX/XX/2017, XXXX, XXXX, and XXXX. I had my credit report pulled in XXXX and discovered they had not honored the agreement. I contacted the company and then contacted all three credit bureaus. Two out of three have made the necessary corrections. Equifax just came back with the investigation and updated my credit file to show XXXXXXXX XXXX as a closed account with the remark " Affected by natural disaster Account acquired from another lender '' which is incorrect.