WillisBack/dataset-financial-user-claim huggingface dataset:
We have had a mortgage with XXXX since XX/XX/XXXX. We have had some difficulties, a bankruptcy in XX/XX/XXXX and a remod in XX/XX/XXXX, yet we have fulfilled every obligation and have been perfect since the remod. On or about XX/XX/XXXX, we received notice from XXXX 's that our mortgage had been sold to Bayview Loan Servicing, I immediately called them and was told my account was not yet in their system, nothing to worry about. I immediately called XXXX 's and was given the same exact story. On XX/XX/XXXX, I went to the Bayview website and was able to register my account, yet unable to make a payment. I again called Bayview, and was again assured that all was in order, no worries. I the emailed XXXX explaining the situation. To date, I have heard nothing from them. I called Bayview and logged into my account on their website several times over the next several days and was given the same story. More calls and visits produced no better results. On XX/XX/XXXX I registered for account alerts, yet nothing changed. I was told to check back the following Mon or Tues. I logged on Tues, XX/XX/XXXX as that was my day off, and was able to make a payment. I then received a notice of payment email that stated my account was not yet set up and the payment could take seven to ten days to post. I immediately called and was told all was good and there was no need to worry. I expressed my fears concerning a late payment, my credit report and fees. I was assured that none of this could happen and their were grace periods and no fees. I stressed their was no need for a grace period as I had made my payment prior to the 'Late '' date and it was not given earlier because they would n't accept my earlier attempts. I logged on the website several days in a row, hoping to see the payment posted. I finally called XX/XX/XXXX and was told that my mortgage had been transferred to Bayview due to my bankruptcy and risk. I asked what any of that had to do with posting my payment. I asked for a manager several times and was belittled and berated each and every time. I was then put on hold for an extended period of time. No one ever returned to the line. On XX/XX/XXXX, I received an email from Bayview stating that I could now view my online account. I logged on and saw that I was now due for an XX/XX/XXXX payment. I finally thought things had been corrected. That 's when I saw the 'Request Payment History ' tab. I thought that was odd language, " Request '' most website openly display your payments. I clicked on the tab in an attempt to confirm my XX/XX/XXXX payment. I was promptly thrown off the site and my password no longer worked. My next business day off is Tuesday, XXXX XXXX and I had planned on calling Bayview the. Today, XX/XX/XXXX I received a paper statement in the mail showing two payments due by XX/XX/XXXX, stating I was behind a full payment. I had made my payment to XXXX in XX/XX/XXXX. I have taken the time to review Bayview Loan Servicing and what I have experienced, and much worse is the norm. I have contacted XXXX, your agency and will be meeting with legal counsel. Please interfere with this transaction. Respectfully submitted.
This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.
XX/XX/2013, I visited a California Check Cashing location in XXXX XXXX, CA. I took out a {$250.00} loan and paid {$45.00} in fees. Every two weeks I visited the store and paid off the loan. I would repeat the loan every two weeks because I kept falling behind with my other expenses. Paying the loan back would make me repeat right away to get back on track. I did not give the lender access to my bank account. Instead I would go in every two weeks to pay and repeat the loan. 

XX/XX/2013, I did not have enough money to continue repeating this loan. I fell at work and did not have a steady income. I was not able to pay back the last loan I took out because the lack of income made it difficult to pay for my basic expenses. Let alone paying back the loan. My family and basic expenses came first. After I stopped visiting the store and making the payments, California Check Cashing called my home to let me know that I had a pending debt. 

Even though I wanted to pay my debt and prevent any damage to my credit, I simply did not have the money to do so. I owed {$300.00} and a few months after I did not return, I received a letter. This time it was not California Check Cashing, bit rather a collection agency that was asking me to pay back what I owed. They gave me options to pay back that loan along with another one from a separate lender I had also borrowed from. 

The week I received that letter I was expecting to work some extra hours at my new job. I thought I would make enough during those extra hours to pay off the loans. However, everything changed last minute and I was not given the extra hours. I do want to pay off the loan, but need them to work with me and give me a payment plan that I can actually afford.
I have received multiple threatening phone calls from Global Collection Agency. The first one said that they are a law office and a civil grievance has been placed against me and if i do not respond immediately then i will be taken sued.Then I had another call come in saying they are going to place an order of location with XXXX XXXX and contact my employer over voicemail. I called back the number the person " XXXX XXXX left ''. The lady just answers as " legal department '' and I asked more information about company and the lady was very rude. No one told me why i am supposedly being sued, I didn't give out any of my personal information because i felt like this was a scam. I asked which state and county she represented for my " case '' and she said all states and counties. I searched with my county the case number they gave me and i told them it was fake and that this was a scam and to do not contact me again. She said " whatever lady we will see you in court '' and then hung up phone.
I have creditors XXXX XXXX XXXX account number XXXX, XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX and XXXX XXXX account number XXXX ... XX/XX/2005 which are 9 and 10 years old in which according to the FCRA, I can ask to me removed as they are too old to be on my credit report. Experian is refusing to delete and the company indicate that Experian did not dispute.
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX ; the  above aforementioned accounts have been requested for removal
I just now received a hard inquiry on my credit report by XXXX that says its XXXX XXXX XXXX/XXXX. From XX/XX/XXXX. It's XX/XX/XXXX and I have never seen this before today Saturday, XX/XX/XXXX. I called the company and they said they have been getting calls like this recently. An error in XXXX XXXX system. He said it's a XXXX XXXX issue and to call them. XXXX XXXX says to call them. Getting the run around. That's really all there is. A false credit inquiry.
I am submitting this complaint about equifax credit reporting company. There is an account XXXX XXXX XXXX that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
On or before XX/XX/XXXX, XXXX XXXX sent letters stating that I didn't have homeowner and flood insurance. I then received a letter that the property taxes were paid by XXXX XXXX on XX/XX/XXXX. I contacted XXXX and explained that the property taxes were not due until XX/XX/XXXX. I faxed them proof of the homeowner and flood insurance on XX/XX/XXXX. I then faxed the Hazard Insurance on XX/XX/XXXX and also proof of property taxes paid XX/XX/XXXX. I then received foreclosure documents on XX/XX/XXXX which then I filed a Motion for extension on XX/XX/XXXX to seek legal counsel. I hired an attorney XX/XX/XXXX which I had to give a retainer to. The motion for the foreclosure was dismissed on XX/XX/XXXX but I didn't become aware of it until XX/XX/XXXX. This was an error on behalf of XXXX XXXX due to the property, hazard and flood insurance were in effect and paid in full as agreed under our contract.
I just read an article in XXXX about Navient telling customers their only option is forbearance instead of an income based repayment plan. That is exactly what happened to me. For OVER three years, I was told there was only a forbearance option for my loans. That is over three years of interest that was needlessly incurred without any debt reduction. I am furious that I was not told about any other payment plans. I was told I could pay a high monthly amount or go into forbearance. I chose forbearance, because my XXXX XXXX husband and I could not afford the high monthly rate on his income. I was unable to work due to our continuous military moves, our baby, and his XXXX. I am now in XXXX school and when all is said and done, will owe over {$120000.00} in student loan debt. That means, I will have to use my ENTIRE salary to pay an astronomical payment just to pay off these loans that were supposed to help our family improve our quality of life. I will have to work for 5+ years just to pay back all of this debt, some of which was unnecessarily incurred due to Navient 's blatant lie about one high repayment option or forbearance.
On XXXX/XXXX/XXXX I entered into a payment plan contract with XXXX XXXX Hospitals. During my XXXX XXXX call, I spoke with the Billing Customer Service Supervisor, XXXX. XXXX XXXX forwarded me a payment plan contract, which I signed upon receipt and returned to XXXX immediately. This payment plan contract includes automatic monthly payments of {$83.00} to be debited from my XXXX XXXX credit card. 
On XXXX/XXXX/XXXX I received a phone call from Harris & Harris Ltd., claiming I owed XXXX XXXX Hospitals {$500.00}. I instructed Harris & Harris Ltd. to contact XXXX XXXX Hospitals, explaining I already had a signed contract in place with XXXX. During this call I also requested that Harris & Harris Ltd. cease calling or contacting me regarding this matter. 
On XXXX/XXXX/XXXX I again called XXXX XXXX Hospitals Billing Customer Service to confirm that they received my payment plan contract. During this XXXX XXXX call I made an early payment of {$83.00} using my XXXX XXXX credit card. 
Harris & Harris Ltd. repeatedly called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Each time they called they demanded I pay them {$500.00} and stated they were collecting on behalf of XXXX XXXX Hospital. During all calls with Harris & Harris Ltd. I requested they cease all communications with me. 
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called XXXX XXXX Billing Customer Service and spoke to XXXX XXXX. Each time she assured me XXXX XXXX Hospitals submitted documentation to Harris & Harris Ltd. stating my account was NOT in collections. 
During my XXXX XXXX EST call on XXXX/XXXX/XXXX the representative from Harris & Harris Ltd. was very aggressive with me and told me I will go to jail if I do not pay them the balance of {$500.00} I again explained that I am under a payment plan contract with XXXX XXXX Hospitals and refuse to pay Harris & Harris Ltd. I also again asked that Harris & Harris Ltd. cease contact with me. On XXXX/XXXX/XXXX at approximately XXXX XXXX. EST, a representative from Harris & Harris Ltd. called my in-laws and asked to speak with me. My in-laws stated that I do not live there and requested they not call them again. 
I am reporting Harris & Harris Ltd. for unlawful and aggressive collection tactics for an invalid collection account. I ask that they remove my family 's contact information and my information from their systems and cease communications with my family and me.
Our home mortgage was sold to Wells Fargo. We currently have a 65 % - 75 % equity position in our home. Under our original lender, we had voluntarily escrowed for taxes and insurance. The Impound Authorization indicated it was a voluntary escrow that was not required by the lender and indicated no time frame exception for discontinuing the escrow. We contacted Wells Fargo to stop the escrow account. They sent us back a letter stating that we were required to continue escrow for 24 months from our closing. We called Wells Fargo Home Mortgage to inquire about this " requirement '' since there was nothing in our loan documents to this end. After getting to a supervisor, we were told that the investor required that we escrow until 24 months of payments have been made without being late or any other issue. Once again, I asked where this was in our loan documents and referred them to look at the Impound Authorization that clearly showed the escrow was voluntary and not required. The supervisor said that due to the investor requirement that they would not be able to stop escrow. I requested a letter that stated this position. He said that he would " request '' a letter but could not promise anything. He also stated that he could request an exception. We aren't requesting an exception. We are requesting that our loan documents be followed.
I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, 2017 and is now deleted after investigation.
I went online from a borrowed computer to request my credit report from all three credit agencies and have yet to recieve them. I was advised it could not be done online and I would receive them via mail. I do not have regular access to a computer and wanted hard copies sent to me. In order to view and correct issues. It was vital that I receive them in preparation for court.
XXXX XXXX XXXX is reporting a debt that does not belong to me. I have tried to dispute this debt on several occasions since 2015. Most recent dispute resulted in me being informed that the debt was sold to another lender however, the debt still appears with credit ones name on my report. Although it has been requested in writing on several occasions no verification of has been sent to me.
Portfolio Recovery XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.
I called and to let them know that I did n't have a job. I wanted them to put my loan in forbearance.They told that they could n't do that that, I would have to repay no matter what my circumstances. Not only was the agent nasty but down right mean. I had to agree to a repayment amount which I clearly could not repay. Even after I went over all my bills with the agent.
Hope this finds you well. My business recently was affected by unauthorized transactions to our checking/debit card accounts. We processed in time and to accordance unauthorized transaction disputes. These disputes have been denied twice by the bank itself stating that we have done business with the merchant in the past. The merchant in question has been our business processor, they added services and equipment to our invoices without delivery of either, they have since via email communication offered to credit the amount of the equipment and offer our business a substation discount on future invoices for the situations. 
The bank however refuses to reimburse our company and our personal accounts more than {$2000.00} in fees associated with the loss of these large amounts with caused our accounts to go negative. We had to personally contact the merchant with whom charged that took unprecedented amount of hours and time. 
We where told several times that provisional credits would be applied to our accounts within 10-days of the disputes and where mislead, not only once but twice. These lies created negative accounts and absorbed any and all operation funds coming through. 
Our accounts have suffered extreme damage as well as our reputation and character with our staff, merchants and other vendors who where effected by loss of funds. The bank has neglected us as customers and created situations that could have been avoided. They have been negligent since XX/XX/2018 when we first disputed the amounts and they told us not worry.
This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the healthy texas women insurance I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back.
XX/XX/XXXX, I wanted to check balance on Wells Fargo Money Market Savings. Last statement in my file was thru XX/XX/XXXX, even tho we always received one at the end of every month. Called bank and asked for a statement. Learned account " in process '' of being closed for non-activity, and that we had been notified. Immediately we went to the bank. Was questioned as to " why '' we had an acct. It is a SAVINGS acct. It was to SAVE money. They said they had repeatedly tried to contact us. We have lived in the same house since XX/XX/XXXX, and have had the same number. We received NO notification. We immediately closed the acct. Received cashier 's check for {$25000.00}. We have always had savings accts and never had one single problem. Please investigate to see why it appears to us they were trying to separate us from that account. And why absolutely NO effort was made to contact us. It would not have been difficult. We have not changed our address or phone this entire time, and our phone is listed. What happened to us is wrong, immoral, illegal, and smells very bad.
I spoke to someone in the Executive Office of Capital One last year in regards to a previous concern. During that conversation they stated my annual fee could be permanently be removed on XXXX accounts but wait till beginning of year so they could remove annual fee permanently along with combining my accounts.Now they are renigging sayng they never said that.
XXXX XXXX XXXX card has put charges on my card several times without me having purchased anything. Every time I call they say its a computer error. I just started catching it but I dont even know how much money they have take from me due to computer error. Every time this happens its also a lengthy process to bring my account balance current.
I received a marketing promotion in XXXX stating I would received 10 % back in rewards on all purchase made in XXXX using my Best Buy XXXX. I validated that it was for all purchases prior to making the decision to use my card. In XXXX I conctacted the number on my card to advise I had n't received the rewards earned. I spoke to someone in the esclation team who confirmed the promotion had been sent and was for any purchase made on my card. He advised those rewards would go on my account when my XXXX cycle cut and noted on my account that we had spoke and what he had advised me. After my XXXX cycle cut the rewards were still not on my account I contacted Best Buy XXXX again and they confirmed that I should have received the points and transfered me to Best Buy rewards. Best Buy rewards continue to tell me the promortion was not going on and that I am do no points. There marketing is very miss leading and deceptive clearly the promotion went out as I have received confimration of this, but there is a huge disconnect between Citi Bank and their co-brand partner who issues the rewards. I have made in total XXXX phone calls and XXXX emails trying to resolve this directly with them prior to escalating to you. I 've been a long time customer who is close to closing my account due to the poor experience I 'm having. I am only asking to be given the missing {$100.00} in rewards that I am due for spending over {$1200.00} in the month of XXXX.
Thursday XX/XX/XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To all parties concerned : This letter serves as verified sound knowledge and grounds against Wells Fargo in compliance to the following facts hereby and herein described : A ) The banks constant intentional actions of violations demonstrated and tied with its unclean hands better known as an equitable defense, akin to fraud, to discourage, conducting unlawful activities for reason of defrauding the right of others. The Banks intent to defraud was shown by its reckless disregard for its actions by repeatedly unjustly benefiting at the expense of aborted justice. 

Ample support and records of evidence support the fact that Wells Fargo had no right and was never entitled to a foreclosure judgment or lien in equity against my person, my property since and including the occurrences of legal battles between them and myself originating since XXXX. 

Everything from illegal Robo signing on multiple documents to Pick- A- Payment loans originated by Worlds Savings and continued with Wells Fargo who reached a settlement in XXXX requiring them to grant loan modifications to home owners during that process of time which should have qualified me to received a principal reduction and loan modification neither one was offered or received by my even thou I was entitled to it instead Wells Fargo kept on increasing and elevating my loan with higher interest rates, hidden fees and inflated surcharges each month causing wrongful illegal activities conducted by Wells Fargo XXXX 

( b ) Any person who violates subsection ( 2 ), and the loan value stated on documents used in the mortgage lending process exceeds {$100000.00}, commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084 and Florida Statues on FORGERY AND COUNTERFEITING 831.06 Fictitious signature of officer of corporation.If a fictitious or pretended signature, purporting to be the signature of an officer or agent of a corporation, is fraudulently affixed to any instrument or  writing purporting to be a note, draft or evidence of debt issued by such corporation, with intent to pass the same as true, it shall be deemed a forgery, though no such person may ever have been an officer or agent of such corporation, or ever have existed I request that my documented complaint be submitted to all Government agencys that oversee this kind of injustice and that can intervene by preventing these repetitive acts conducted by this banking institution. 

With justice and truth XXXX XXXX XXXX
Property Tax on my Closing Disclosure and TILA vs actual Property Tax were grossly under valued by XXXX %.
XXXX XXXX repeatedly called my parents house in regards to a medical bill that was a few days late for my wife. My parents notified them all 3xs that this was not my wife 's house and please do not call the number again. XXXX XXXX even informed my parents that this was a XXXX bill debit collection.
I responded to a Citibank promotion that offered {$400.00} for opening a new checking account. I completed the requirements and should have received the bonus by XX/XX/2016. I have contacted Citibank numerous times but am told each time that this is being investigated. A google search finds numerous others with the same complaint against Citibank.