WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I was notified by mail that Continental Credit Control ( CCC ) was attempting to collect a debt owed to XXXX XXXX XXXX XXXX ( XXXX ) for a service from XX/XX/XXXX. I contacted XXXX forthwith, leaving several messages and my phone number. They could not provide me with documentation for the service that I have been alleged to have received. XXXX patient services informed me on XX/XX/XXXX that their billing records do not extend to XXXX. I was told a supervisor would contact me no later than Wednesday XX/XX/XXXX. However, I never received further correspondence about this matter from XXXX or their patient services. Consequently, I contacted consumer finance about the issue and was told to send a certified letter to CCC disputing the debt. I have requested they send documentation for this debt and additional information about it as well. I mailed the letter on XX/XX/XXXX to CCC at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX tracking # XXXX. They received this letter on XX/XX/XXXX. Unfortunately, CCC has not responded to my requests for assistance in regards to this matter nor have they provided me with legitimate documentation about the debt they are attempting to collect. Additionally, they have put this collection on my credit which has negatively impacted my life. As a result, I have filed a complaint with the Federal Trade Commission ( Ref. # XXXX ). I feel as if I have done everything within my power to settle the matter but have not received any assistance from the XXXX or CCC. I would like to file a complaint against the CCC and have them remove this collection from my credit immediately.
I had did a inquiry about refinance my house and getting some cash to pay off of credit cards. This was just inquiry, they said it would not affect my credit score just doing inquiry. My account with my mortgage company was finally good. This company had told me that I had already paid hundred thousand with my mortgage company. I did not give this company ( Credco ) permission to check my credit. Thanks, XXXX XXXX
Professional Debt Mediat opened an account XXXX XXXX, XXXX {$2700.00} Which was a place I lived with a bf and at that time I followed everything the rental office instructed me to do when moving out. As soon as I did the company sold over and the new company sent this to the reporting agency. The apartment was return the same way received and they kept my deposit. XXXX XXXX XXXX open an account XXXX XXXX, XXXX {$1700.00} This was outdated and needs to be removed.
On XX/XX/XXXX, my bank account (XXXX XXXX) was compromised, so I contacted Coinbase about it. As the result, they have frozen my account for the period of 4+ months. They have charged my bank card on file automatically for $XXXX (causing overdraft fees and depleting my account) and also frozen the Coinbase account with funds in it.I have spent 5 months contacting Coinbase. I have spent 50+ hours of call time, e-mailing (Coinbase was e-mailed more than 200 times). Nobody has ever resolved my issue.At one point, I was told that I will not be allowed to use the site, then I was issued an apology and told they will soon refund all the funds and unlock my account. Now, there is absolute radio silence.As of today, XX/XX/XXXX, I still do not have access to my account or funds.I am beyond upset and broken.
My Closing Disclosure misrepresented the Mortgage Insurance payment, it was in fact a SFH Guaranteed Annual Fee which was never disclosed to me. 
1. The {$140.00} monthly payment is not Mortgage Insurance as listed on the Closing Disclosure, it is an SFH Guaranteed annual fee charged by the USDA to the lender who passes this fee on to me, for the life of the loan. 
2. The stated purpose of this annual fee is to allow the Agency to reduce the upfront guarantee in Sec. 3555.107g. 
3. In addition, the Payment letter issued by Envoy Mortgage LTD XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX lists the XXXX payment as PMI. See attached. 
4. Envoy mortgage LTD. Sold my mortgage to : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
5. This annual fee of {$1700.00} ( {$140.00} mo ) does not show in my escrow account with XXXX. 
6. PMI can be removed once LTV is at 80 %, which I am at. The annual fee of {$140.00} is for the life of the loan which I did not agree to. 
7. I paid the Upfront Guarantee Fee of {$9600.00} thinking this was the only fee for the loan. 
8. The SFH Fee is an additional 8.9 % charge to my principal and interest. I was never informed of this and only discovered what this Fee was by requesting the PMI be removed from my monthly payment at XXXX. See attached
XXXX 5,2017 I received an alert on my phone that XXXX XXXX reported my mortgage 30 days late. Which dropped my score 57pts. Made contact with Transunion and XXXX to conduct a dispute. They stated it was verified from XXXX XXXX as being reported correctly. I then made contact with XXXX XXXX they have nothing in the computer saying I was 30 days late. I asked XXXX and Transunion how did they verify this information. I have had this mortgage 4 yrs never once was late.
We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.
I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!
On/Around XX/XX/XXXX I received a voicemail that I owed {$90.00} from living at XXXX XXXX at XXXX in XXXX XXXX, MO and if I did n't pay that day I would be sent to collections.I lived in the lofts from XX/XX/XXXX- XX/XX/XXXX. I paid all my rent in full and sent my notices to vacate prior to moving out. I never received a notice prior, then two years later get told I am getting sent to collection that day. I have contacted XXXX XXXX as well as Fairway Capital to get to the bottom of this with no avail. In XX/XX/XXXX I got a letter from Fairway Capitol only after reminding them that they were in violation of creditor law letting me know what I owed for. The letter has no dates and is extremely vague but says an auto charge on XX/XX/XXXX in the amount of {$81.00} and that the rest is for utilities. I moved out before the end of XX/XX/XXXX. I never lived in the residence after that and I gave numerous notices ( more than 90 days ) that I was vacating. I had moved out over 30 days before the dates listed on the letter provided by Fairway Capital. In XX/XX/XXXX I again contact XXXX XXXX and was told I had to talk to the owners of the property ( XXXX XXXX ) and was given the email address for a XXXX XXXX. On XX/XX/XXXX I contact XXXX XXXX via email and explained the situation but did no receive a response. Fairway Capitol discontinued contacting me until XX/XX/XXXX when they resumed calling me numerous times a day from different area codes. The agency has also reported the debt to collection agencies and it has negatively affected my credit.
Seterus Inc.took {$5000.00} out of my checking account without my permission. This occurred on XXXX XXXX 2015.
1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Only one that should be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only one  that should be on their is   XXXX   XXXX   XXXX   XXXX
A unauthorized company, XXXX XXXX debited my PayPal account {$4.00} and {$83.00}. I noticed it right away and notified paypal. Pay pal refuses unauthorized transaction refund because they suggest the purchase is consistent with others in the account. I don't even know what this company " XXXX XXXX '' is all about.
XXXX XXXX XXXX XXXX is named in a lawsuit as owner of my home. I am requesting document to show they own my home or every owned my home. I also would like any copies of assignments, billing, accounting details, etc from inception of loan.
I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.
I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.
Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. For several months, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. However, WF has failed to act diligently and continues to send our client letters with inaccurate statements claiming documents are still missing despite having provided all documents requested. Our client submitted her application for mortgage assistance to WF on XXXX XXXX, 2015 by certified mail, which was received on XXXX XXXX, 2015. On XXXX XXXX, WF sent a letter to our firm requesting a list of additional documents needed to complete the review. Our client supplied all documents from the list that existed on XXXX XXXX. 
On XXXX XXXX, WF acknowledged receipt of those documents however did not state whether anything additional was required. As suggested on WF 's correspondence, we checked the status of the modification review on WF 's online portal on XXXX XXXX. The website showed that the documents step of the review process was complete and the application was being reviewed. But then, WF sent XXXX different letters dated XXXX XXXX and XXXX XXXX stating the application was not complete and more documents were needed. We submitted a Notice of Error to WF detailing the inconsistent information we were receiving in our efforts to request mortgage assistance for our client. 
Again, our client submitted all the documentation she had in an effort to finally get her application properly reviewed. WF 's response to our Notice of Error dated XXXX XXXX failed to adequately address the issue we raised and instead just stated the application was being reviewed and to contact WF via telephone if we wanted more information. The letter did not address whether any documents were still missing or the actual status of the borrower 's application even though we sent WF several requests for information specifically asking for the status of the borrower 's application and what documents, if any, were missing for their review. Since we received no meaningful response from WF, the borrower believed the application was complete and being reviewed as their stated and the website portal showed. 
WF sent our firm XXXX separate letters both dated XXXX XXXX, only 8 days after their response stating the application was being reviewed. XXXX letter acknowledged receipt of additional documents that were sent in and stated they were being reviewed. The other stated the Borrower was being denied mortgage assistance because the application was pending for too long. WF has not sent the borrower any indication that additional documents were needed since the XXXX XXXX letter, which the borrower complied with. To date, we have submitted XXXX Notices of Error to WF and still have yet to receive a proper review for our client 's request for mortgage assistance.
I have made principle payments multiple times. Frequently, these payments have been applied to interest and future payments instead of principle. I have called repeatedly and have taken to writing PRINCIPLE on the payment slip and using highlighter pen so there ca n't be a mistake in the intent of the extra payment yet it is still not applied to the principle balance. Over and over again. The payment slip is not confusing, there is a box for Principle and this is what I use. This issue has occurred multiple times. My statements are misleading, showing very large interest payments - twice what they should be. This same mortgage company did n't pay my insurance and taxes from Escrow funds and refunded me the balance. I was the one who pointed out their error. This occurred XXXX consecutive years. I am so frustrated that I am refinancing so I do n't have to deal with them any long. Complete incompetence and repeatedly. This begs the question what else are they doing incorrectly that is n't so easy for me as a consumer to identify. Could my interest charges be inaccurate, could my balance be inaccurate ... ..
They have continually called my number but they do so with robo calls and do not leave a message. When I am home to answer the call, there is no one on the line. I do not have any outstanding debts with any company. The most recent call was  XXXX / XXXX /  XXXX   at  XXXX .
I have contacted all credit bureaus and asked to have a public record which is my bankruptcy removed due to the new law dealing with Transunion and public records, I requested for the public record to be removed and that was 49 days ago!
To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it. 
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it. 
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.
Customer service are designed to make the customer mad They dont help Talking to them is like taking to a robot They charge 28 % interest Raised my minimum payment from {$25.00} to {$65.00}
In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XXXX/XXXX/XXXX at around XXXX spoke with XXXX asked him whats the status and he told me that they have received a complete Request for Mortgage Assistance packet and its under review. 

Im just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
put a large payment down on the loan and asked that it be placed towards the principle. it was not, it was placed towards the interest.
The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.
I will respond to XXXX XXXX XXXX correspondence dated XXXX XXXX, 2017. That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts
My issue is with Toyota Financial Services ( TFS ). In XX/XX/XXXX, I wanted to make a payment to principal on my loan. I attempted to do this on the TFS website where I make standard payments. The website does not allow for principal payments. I telephoned TFS and spoke with a customer service representative name XXXX. XXXX provided me with the TFS address for sending principal payments. XXXX also informed me that I could make a principal payment over the phone with a representative. On XX/XX/XXXX, I called TFS and made a principal payment by phone, and about a week later, I received a letter of confirmation from TFS for this payment. 
This XX/XX/XXXX, I again called TFS to make a principal payment to my loan. This time, the representative told me they do not accept principal payments over the phone ; they only accept payments by mail. This was confirmed by a supervisor and I submitted a formal complaint about the matter. 
In my opinion, this is a shady business tactic. TFS charges interest on a daily basis. Not allowing online or phone payments that can be processed in a timely manner, allows them to charge more interest to the consumer, in the time it takes for the consumer to hand write a check, place it in the mail, the parcel ships ( 2-3 days ), and while it sits on someone's desk waiting to be processed.