WillisBack/dataset-financial-user-claim huggingface dataset:
I have received multiple phone calls from someone named XXXX XXXX and XXXX XXXX from the " Legal Department at XXXX XXXX '' debt collection agency. I later discovered that this is a fraudulent company who has called under other company names such as " XXXX XXXX XXXX XXXX Department and XXXX XXXX XXXX  Department ''. They have called me from multiple numbers ( XXXX, XXXX, XXXX, XXXX, and XXXX ). I was informed that they would contact my job to have my wages garnished and contact my local county courthouse to pursue an out of court settlement. I have been harassed to a point of distress. I have requested for them to stop contacting me, but they have continued to do so.
This is my third of fourth time contacting you and having Wells Fargo " attempt '' to contact me and resolve my issue. 


The first time I was assigned to XXXX XXXX. XX/XX/XXXX The second time ( XX/XX/XXXX ) I was assigned to XXXX XXXX who I played phone tag with for over a month. The last voice message said that WF had a resolution to my complaint and I would be receiving a letter. The letter said they did not have enough information to find the foreclosure. They never asked for it. 

So the third time I finally reach the representative ( don't have his name ) and we spend an hour on the phone while I contact the XXXX XXXX Regional Courthouse to get the information they wanted, specifically the street number. That was that. 

The fourth time was last night XX/XX/XXXX at XXXXXXXX XXXX when the agent wanted to know what the addresses were again. He said that there was nothing in the notations. I was irate. This is abuse on top of injury. 


What happened was in XXXX Wells Fargo foreclosed on my home ... .swiftly and when toward the end I tried to give them the back mortgage money, maybe 3 or 4 months, they would not accept it. They took my {$40000.00} equity. My credit score was XXXX at the time. I became XXXX and went into great trauma that I am still recovering from. These people are the XXXX of the earth.
XXXX XXXX Reported an amount of XXXX balance owed. 

XX/XX/XXXX I went to care facility XXXX XXXX XXXX fl XXXX I went because XXXX Hospital advised me to go to XXXXXXXX XXXX in XX/XX/XXXX. 

As I did not have an emergency from a vehicle tap incident on XX/XX/XXXX I told XXXX XXXX that I was feeling XXXX from tapping a vehicle at 5 miles an hour at a light, as the passenger was 5 months XXXX. 
I paid XXXX XXXX a XXXX, co payment, gave them my XXXX insur info and county coverage id card for XXXX insurance. 
In XX/XX/XXXX, 2nd comract, XXXX XXXX XXXX calls me to say I owe XXXX. 
I asked her to send me the bill saying what insurance paid or didnt pay to reflect balance. XXXX stated they sent it, and If I don't pay its going to the credit bureau. 
I reminded her to send me an email, that I am not going to give anyone a cc card over the phone without documentation. I asked her why there is even a balance as I have a secondary insur which pays 80 %. XXXX said XXXX XXXX policy is not to Bill 2nd insur. I reminded her that the state of Fl bills all insur and can seek remedy for outstanding monies after all insurance have paid their portion. 
I did not have injuries the date of XXXX. Only after a week did I go to hospital to ask to be seen for follow up. XXXX Hospital south advised to go to XXXX XXXX because I did not have an emergency injury or primary Dr . 
In XX/XX/XXXX XXXX XXXX XXXX collection agency contacts me to pay XXXX I told them same info. Not paying anyone anything without an email with backup on what amounts if any, were not paid by insurance from XXXX submission. I called XXXX and they confirmed they never recvd any claim. 
I told XXXX I will pay any bill I owe, but not without proper protocol. XXXX said they do not have any info on my acct, only whats owed and due, due to hippa law, they couldn't tell me even if they had info, I asked what do invoices with codes have to due with personal health info. XXXX said they will return file to XXXX XXXX for update and close file until XXXX XXXX updates. 
I will pay all my debts if procedures are followed, but not pay with our proper insurance of all insurance on file being billed accordingly. 
So far credit bureaus showing 1 of 3 bureaus as closed, but all gave XXXX amounts owed. This collection account is not accurate as reported, and is damaging my score and profile.
I had taken a series of loans to help pay for my XXXX from XXXX XXXX University. In XXXX XXXX, my husband and I were going through a very difficult financial period. We were in the process of selling our home ( to avoid the possibility of foreclosure ), as well as dealing with XXXX health issues related to our daughter. I called Navient and explained my situation asking for assistance as my student loan payment were approximately {$450.00} per month. The representative stated that while there were programs available that would reduce my monthly payments, if I could find a way to modify my budget and pay a bit more, I would actually qualify for a Federal Subsidy program. This program would require me to go on a Income Based Repayment plan, payments would have to be made on time every month for three years, I would have to set up auto withdrawal from a bank account, but, in return, I would get all of my interest back each of the three years of the program. Looking at an almost $ 50K loan, the idea of being able to save $ XXXX in three years definitely made it worthwhile. So, I picked up lots of extra work ( XXXX and XXXX - XXXX ) to make up the monthly difference. 
XXXX XXXX, XXXX ( the date I was told I would receive my first reimbursement check ) came and went with no reimbursement of the interest paid. When I called to inquire, I was told that research had to be done to find out why I had n't received the check. A few more months went by and still no response from Navient nor a check. Then another call to Navient, and again, research had t be done to find out why the check was never sent. 
Fast forward to XXXX XXXX. I was told to call back XXXX XXXX and they would have an answer as to why it I have n't received the check. Today is XXXX XXXX. I have been told that I will not be receiving any interest money back because it was part of my monthly payment. So, since I had been paying the interest all along, I am not entitled to receive any back. 
The Navient representative I initially spoke to in XXXX of XXXX point blank lied to me. He told me that by signing up for the higher payment on the IBR plan that I would receive all of the interest back. This is immoral, unethical, and downright fraudulent. I NEVER would have agreed to pay almost {$100.00} more per month were it not for the fact that I would have nearly $ 10K credited back to my loan. 
As Navient has already been cited for practices such as these, I want my experience added to the complaint. I am SO furious, and all the representative would say was, '' I 'm sorry, but there 's nothing I can do. '' Unbelievable.
I have not been able to get my free credit report online from TransUnion for 4 years. TU always claims that they can not verify my identity, yet they do n't even ask any identity verification questions before denying access. This year, I ordered a report over the phone after failing to get one online. I will see if it actually comes or if they deny that as well.
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Fifth Third mandates I pay an escrow even though Fifth Third does not pay for my homeowner 's annual insurance premium. Fifth Third has performed two new escrow analysis, first time issued a check for {$1500.00} and the second time issued a check for {$480.00}. I suggest Fifth Third use the XXXX computer program and using the XXXX program will insure correct addition, subtraction, and multiplication while performing a third new escrow analysis. See attachments, one, two, three, and four. Fifth Third states they collect a two month cushion ( {$75.00} X 2 or {$150.00} ) then add the {$900.00} annual premium, apply the past payment breakdown, and then divide by months remaining until XX/XX/2019. By using the XXXX program, and adding, subtracting, and multiplying, Fifth Third has a surplus of {$450.00} in my escrow account and needs to issue a third check.
Back in 2007, I attended XXXX XXXX , XXXX ( XXXX University ) now called XXXX XXXX XXXX. I submitted a request to be withdrawn from attendance within the required time frame. The school had informed me that the loan would not take effect immediately, but would be disbursed in future semesters towards the end of my degree plan ; they withheld how the loan disbursement would actually take place. They never processed my withdrawal request, and instead kept me on their attendance records to they could collect on the loan disbursement, which they did. I have contacted the original loan servicer, XXXX, requesting to dispute the loan, and they referred me to ECMC, the current loan Servicer. After contacting ECMC to dispute the loan, they are refusing to acknowledge my documentation and complaints on the matter. They keep sending me back and forth to address the matter with XXXX XXXX for a record correction, even though the school keeps ignoring my inquiries, and the school is owned by ECMC, the present loan collector demanding I go to the school.
I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 
1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 
2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 
3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 
4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 
5. The late fees are not valid but Ditech includes those to run up the balance. 
XXXX XXXX XXXX # XXXX
I called the automated number  XXXX  and was denied a report by normal means. They are circumventing the rules. The system is set up force you to pay for your free copy because it does not answer when prompting for your free copy.
US DEPARTMENT OF EDUCATION has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )
They called my mother 's private line asking for me. They called at XXXX on a XXXX morning waking my elderly mother.
I have been trying to Refinance with HARP since XX/XX/XXXX. Nationstar mortgage Loan Specialists said I was one payment late in XXXX XXXX. On XXXX XXXX, XXXX, made XXXX payment and on XXXX XXXX, XXXX made the XXXX payment. The late payment in XXXX made me not be eligible at that time, since It has not been within a year. She advised me to call again and to try again in XXXX or XXXX when the 1 year is up and eligible with XXXX late payment guidelines from HARP. On XXXX XXXX, XXXX, I called Nationstar to refinance with HARP, now their saying I 'm not eligible because I did not caught up on my late payment till XXXX XXXX, XXXX I made XXXX payments. That I have to try again in XXXX. Also, I received a letter saying that I have late fees on my account for {$580.00}. I have been paying my mortgage on time or at times with late charges of {$9.00} Nationstar late fee charges, after 7 days if payments are not made on the XXXX of the month. I do n't see an explanation on my transactions not even in my monthly billing statements in regards to {$580.00} late fees.
I had a charge-off account with XXXX XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

Experian is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

XXXX seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX XXXX also as XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report fromXXXX XXXX XXXX also as XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. **PLEASE SEE LETTER FROM XXXX XXXX XXXX **
I made a purchase for concert tickets through the XXXX app using my debit card from Wells Fargo. The money was transferred immediately to the private seller and the seller never sent me the tickets. I contacted XXXX immediately and they informed me that as soon as the transaction was complete, that there was nothing they could do. I then proceeded to call Wells Fargo and opened a claim. The claim has been denied by Wells Fargo. Neither XXXX or Wells Fargo will refund my {$120.00}.
I have  XXXX  hard inquiries on my credit report that I have been done without my consent.  XXXX  from  XXXX    XXXX      XXXX   XXXX   dated  XXXX   XXXX   2017,   XXXX  from  XXXX   XXXX  dated  XXXX   XXXX    XXXX   and  XXXX  from  XXXX   XXXX  dated  XXXX   2017
I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my credit karma XXXX report I talk with XXXX XXXX  and they said they have no information also I spoken with XXXX  they tells me to call the police and credit karma is not helpful at all
On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX. 

I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services. 

However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX. 

Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper. 

XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation. 

Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation. 

A full and complete complaint, with exhibits, is attached.
Im XXXX XXXX and has lived in my home since XX/XX/XXXX Im XXXX years old and is struggling to keep up with my payments I contacted Roundpoint mortgage and tried to get a loan modification and was denied due to my inability to understand the application process i feel as though Ive been unfairly denied by Roundpoint mortgage company after contacting the XXXX XXXX XXXX to gain entry to the XXXX XXXX XXXX for Assitance with my payments Ive been unable to maintain my normal income due to health related issues i really appreciate mercy on this matter thank you
National Check Resolution Inc . 
XXXX XXXX XXXX had represented in XXXX XXXX that they were a sovereign entity ( XXXX lender ) wholly owned and operated by the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX. The impression is that the company is licensed to do business in states where they have no license, as they are not subject to the state laws. This was sent to Washington XXXX which returned a decision that only the original {$1000.00} needed to be repaid, no fees or interest. Contact from National Check Resolution started XXXX XXXX, XXXX. With 2 calls : home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX 2 more calls : Home ; XXXX am and Cell ; XXXX am. XXXX XXXX, XXXX another call home ; XXXX XXXX. That is 5 calls in 3 days. They are claiming that the loan is valid, and have stated that, " the client has stated that you still do not respond to several notices that were sent to your residence. The file has been forwarded to our office for final recommendation prior to being processed on ( First was XXXX, Second was XXXX ). You do have a legal right to resolve your case. If you choose, yourself or your attorney can contact our claimants office at XXXX. '' On this I am not sure as to what the processing would be, and the second is that the records, if indeed a case might be, are not kept properly. This to me appears a scam as to the two different days as well as the threat of processing. Also to note, the last notice regarding anything on this was from Washington State XXXX as to XXXX XXXX not having a valid license in Washington State, and the amount to be repaid could not exceed the {$1000.00}. So as no notices, and the fact of the different dates, I do believe this may be a Phantom Collection. 
I have verbally told them not to call again until I get the Validation letter in the US Mail. They in return told me they would call back XXXX XXXX XXXX XXXX ).
Navient is attempting to extort me with a very XXXX conduct regarding claiming that I owe a debt to them that I have NEVER signed ANY agreement, or documentation for with them, and they are also, In violation of the F.C.R.A. Nor can they provide ANY document that I signed with their organization in addition to not knowing who they are. I have NEVER had any private student loan whatsoever from them, or with this organization!
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
My credit card account was closed without me receiving notice. Each month I have been receiving my statement via email from Sears. On XXXX XXXX I received my annual privacy notice which brought to mind I have not used the card. On XXXX XXXX I tried using the card and it was declined. Upon call on XXXX XXXX I was informed my account had been closed. I asked for a copy of the required notice that I never received and they said they could not send it. I never received the supposed mailed notice.