WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to purchase a home XX/XX/XXXX. During the approval process the lender discover that ClearSprings was reporting that I had an " open '' loan with them form XX/XX/XXXX. They at some point had bought the XXXX loan that I had on my home. I had never even heard of ClearsSprings the enitre time I owned that home. The property in this case is located at XXXX XXXX XXXX, XXXX, CA XXXX. The house was foreclosed on in XX/XX/XXXX and the company that owned the loan a that time was not ClearSprings according to all the paperwork that I had. I subsequently filed bankruptcy in XX/XX/XXXX and had this loan included in the discharged. The discharge paperwork was provided to the owner of the loan - the loan company that was sending me collection notices on the loan. I never heard another thing about this loan ever from any company. Now all of the sudden ClearSprings still claims that I have an open loan with them when apparently they sold the loan to some other company. I contacted ClearSprings to discuss this and asked them to remove the " open '' status on this loan. The man to whom I talked to in Customer Service found the loan in question and verified they no longer own the loan. He however refuse to remove the " open '' status until I could prove the loan was paid off. They have no legal basis to require me to provide them with anything regarding a loan that they do not even own. I still to this date have never received any documentation from ClearSprings showing ownership of the this ( no wet signature on anything ), no collection notices and they still have not removed this as an open loan. I am unable to purchase a home with this " open '' loan. I can not find anyone in their organization to help or even discuss it with me. I mailed letters and have verification of the loan being discharged in my bankruptcy buy the company that had been sending me collections notices. I have since come into some information that the collection/loan company that they had sold the loan to and had been sending the notices during my foreclosure and that was served during the bankruptcy was Strategic Recovery - which apparently is some collection company owned by the the same company that owns ClearSprings. All I want is for them to remove this loan from any credit agency and what ever credit board that loan companies view when deciding to approve home loans. I lost a portion of my earnst money when I was denied credit during escrow on a home and I still can not purchase a home because of this.
I had an arrangement and kept it to pay off the loan with XXXX XXXX. It is still showing on my credit report as a judgement.
XXXX/XXXX/2015 XXXX unauthorized or fraudulent transaction of {$400.00} and {$300.00} dollars
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have tried for 10 months to collect XXXX dollars in fees that transferred over from my prior servicer StateBridge Company. I have been disputing these charges for 8-9 months. XXXX XXXX XXXX had knowledge that the fees were incorrect but chose to still try to pursue collecting them from me, even going as far as sending a demand that I pay them or risk losing my home. It has finally been determined that the fees are invalid, but XXXX XXXX XXXX has not removed them from my balance and now are blocking the sell of my home to another buyer because I disputed the fees. Below is their correspondence. ********************************************** From : XXXX, XXXX XXXX : ( XXXX ) Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ' Cc : XXXX ; XXXX XXXX ( XXXX ) Subject : RE : Corp Advance Fees XXXX  XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents ****************************** XXXX , I am not reneging on an agreememt. STATEBRIDGE AND XXXX NEED TO ADVISE WHAT THE CORRECT PAYOFF IS PERIOD> YOU TRYING TO FORCE THESE FEES ON ME AND BLOCK THE SALE OF THE HOME IS ILLEGAL AND FRAUDULENT. 
************************************* From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX : ( XXXX ) Subject : Re : Corp Advance Fees XXXXt XXXX FW : Loan Fees ( ID : XXXX - Loan : XXXX - Perf ) - Contract Documents XXXX XXXX, Statebridge is incorrect in their assessment. The corporate advances totalled over $ 5k but your charges were not that much. Your charges include tax advances, penalties associated with the taxes, and other misc fees. Obviously those are collectible. 

We discussed this and you agreed to accept those fees if I assisted you with the sale. Now you are trying to reneg on our agreement. 

Well if you are backing out on your agreement then you need to read your contract closely. Under the contract, it says we do not have to execute a deed until AFTER receiving the payoff. 

So therefore, we are not giving your title company a deed prior to your closing. Send us a full payoff first. THEN we will send you a deed. 

Second, I am referring this to our attorney today since you are seriously delinquent and failed to cure the default letters we sent you. We will be adding attorneys fees to the payoff while we review the corporate advances line by line to make sure they are accurate and remove any that arent. 

Regards, XXXX XXXX XXXX On XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, XXXX XXXX : ( XXXX ) XXXX wrote : Mr. XXXX, XXXX XXXX has confirmed that the corp advance fees that were transferred earlier in the year are invalid. They told me XXXX did not immediately respond but contacted the XX/XX/XXXX advising they would address the issue. As of today, they have not. Please see the chain below and email attached with my communications to the lender and statebridge. Please advise on how we can get this resolved. 

Also, we are scheduled to close this week and we need a payoff asap. Because this is the third time we have tried to close I need my balance correctly reflected per my attorney should closing not commence.
I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.
360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$100.00}. My loan was on a repayment plan from XXXX through XX/XX/2015. The representative 's XXXX and XXXX stated it was due to the company having to send someone to my house to verify residence. I asked the representative 's to submit me proof or remove the charge from my statement and they stated they could not. The company has continued to call several times a day and harass me to about paying the amount. The company has sent me a statement that my payment amount will be increasing by {$43.00} due to " escrow shortage ''. I just increased my deductible for my insurance and XXXX refunded 360 Mortgage Company {$240.00} 3 days ago and lowered my premium. The representative XXXX stated my insurance premium increased and that was the reason for the increase payment. This is a deceptive business practice to get monies from me.
Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.
XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily.
I do not owe a XXXX bill. I have an open account with them now and have had same account for several years.
When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. 

I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.
I filed complaints and the company refused to talk to you because i had an attorney write a demand letter. 
The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date. 
The company has received XXXX payments from me. All XX/XX/XXXX dates. 
XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX.
XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited. 
I have provided them notarized bank statements where it clearly shows the company received my money. 
Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear. 
I emailed them and confirmed they could read them. 
I then had the notarized statements sent to them and the company confirmed they received those. 
The company seems to want to use fraud in their refusal to credit my payments to my account. 
They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.
There were XXXX payments made for XX/XX/XXXX. A wells fargo rep said she did the paperwork to skip XX/XX/XXXX 's payment. I just checked and they auto-withdrew from my account for XX/XX/XXXX and I was counting on having that money.
I sent about {$2500.00} usd to coinbase to buy bitcoins from my bank account a few months ago. 

After a lost 2 factor device ( my phone ) I 've tried to contact them to regain access to my funds via ever possible method ( email, XXXX, XXXX, phone ) and they just do n't answer or reply with an auto message that does n't solve the issue. Other exchanges I 've used all quickly remedied the issue. 

At the moment these coins are worth about {$10000.00} usd and I can not access them. This is money I ca n't afford to lose. 

The one time I reached a real support agent after literally days on hold, they hung up the phone on me and sent an auto message that did n't solve the issue yet again and then did n't reply again on the phone or email. 

I absolutely need a reply from them asap to regain access to my funds. I have everything they could possibly need to verify my id, they simply do n't reply no matter what you do.
We sell firearms/ammunition some of the time in support of the US military, International allies and federal agencies & outdoor equipment, vehicles, meals ready to eat, and technology products most of the time, and yet, we are considered morally dishonorable by many large banks & the payment processors working with them. Due to their biases against the 2nd amendment of the constitution or their moral outrage over instruments of freedom, they have declined to support our businesses in spite of the billions received from taxpayer bailouts. Companies like Citigroup ( our bank ), XXXX ( our former payment processor who wont process our payments like everyone else ) and many many others happily strip rights from some customers all the while enjoying the benefits of taxpayer funded government bailouts & other socialist policies. What country do we live in anymore? Isnt our governments job to ensure the freedoms of all of its citizens? Or, maybe not anymore ... what a sad thing weve become where we are not adjudicated and treated as equals, but disparate groups unworthy of fair play ... Because agendas and narratives. Pathetic. Give us liberty.
In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
I have no idea who or what this company is. Somehow they were able to access my XXXX and XXXX  credit reports. I did not authorize either of them. I tried calling the number attached to their company on my credit report. They don't have a fraud department and no one knew how to fix the issue. No one at this company, that I do not know of, was able to resolve the issue.
I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.
A charge appeared on CapitalOne credit card that I did not make. Received email from CapitalOne asking if it was valid. I told them it was not. They told me to get the merchant to get it removed. When merchant did not, CapitalOne told me to prove it was not mine. I did so. Then CapitalOne sent me a letter telling me to " get a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. '' If I did not send that to CapitalOne along with many other requests already provided, the case would be closed.
This company called XXXX XXXX say I have a open account with XXXX XXXX. There is another company who is handling this case I filed Bankruptcy in 2011 the account XXXX XXXX has was discharged chapter XXXX I do owe XXXX XXXX money but not from XXXX XXXX that credit card was paid off or discharged
I recently extended my Mercedes Benz Financial Lease from XX/XX/XXXX - XX/XX/XXXX. However, I am wondering why Mercedes Financial stopped reporting my installment loan to the XXXX credit reporting agencies. Because my XXXX is no longer being reported to the XXXX reporting agencies ; my credit score with all XXXX bureaus took a nose dive because there is no recent installment loan payment history. I have an active lease still with a lease maturity date of XX/XX/XXXX. Therefore, the payments should be reported to the XXXX credit reporting agencies.
i requested a copy of my payment history from the time i started paying back my student loans to XXXX/navient. instead they sent me copies of my statements. I have requested a loan modification on my student loans and they said that they do not do modifications. I was never informed about a income driven repayment plan. however, I have been paying my student loan since XX/XX/2000. my balance win i graduated was like {$25000.00} and now it 's like {$2000.00}. it doesnt seem like it will ever come down. I went on the navient website today to obtain info. they have deleted my email i sent them and they have added a payment history screen that was not there before.
I continuously have tried to have XXXX XXXX XXXX and XXXX XXXX removed off of my credit! I have never gotten a credit card or loan before XXXX of 2017! And i have never gotten a phone on payments i buy my phones cash from XXXX XXXX since forever! Also XXXX XXXX or XXXX I dont have cable or internet! I even have a credit freeze on and They keep coming back as verified and thats just impossible! Plus there are ALOT of inquiries thst are inaccurate as well! I never got a police report because i never knew until i started trying to build credit! Please help me!
Company has repeatedly mismanaged {$430000.00} of my loans. Multiple IDR recertification requests were mismanaged or not accepted in time. Further with their delays, the forgiveness date is going farther into the future. The loans should be forgiven in  XXXX   XXXX , but because of their errors, the dates are in late  XXXX  and in  XXXX . Recently, I have been calling them to confirm IBR re-certification, but no one has called me back. Supposedly, "  XXXX  '' is going to be the person managing my account but I have not heard from him in over 6 months. I spoke to  XXXX  on  XXXX   XXXX ,  XXXX , ID  XXXX . He said my  IBR  recertification paperwork " should be '' accepted though it is not yet. He is not sure why it is takin g 3+ we ek s. ( Mind y ou, the paperwork is literally  XXXX  sheets of paper! ) He tried to get  XXXX  to talk to me initially, but  XXXX  was away from his desk.
approximately a month and a half ago started receiving calls from a debt collection law firm for a person who i do not know..this went on everyday ... .it was a computer generated call ... .they have the nerve to tell me if this is not me i should not listen and hang up and call them ... .i believe this was total harassment on their part..also an invasion of my privacy and an unfair business practice. 
my time belongs to me ... if they want to find this person ... let them have a human find him ... not put this on innocent..excellent creditworthy people who have to be subjected to this unethical practice to make money .... 
they think they are winning, because ultimately the only way the calls will stop is when you call them ... ..i don't work for them..they aren't paying me. 
just think if all debt collection companies did this!!!???
I contacted the company, ExxonMobile, to report the fraud with their application number but the operator,  XXXX  ( operator number  XXXX  ), told me that she was not authorized to do anything unless I provided more identifying information to her or to a website or another phone number that she designated .. which I obviously could not do.
I 'm paying close to {$650.00} a month for my private loans ( I have a sum of federal loans as well ) and I investigated further into where my payments are actually going. I noticed that less than 50 % of total payment per loan was being applied to the Principal amount. I contacted Navient, my private loan servicer, and tried to change the allocation of my payments to be put towards the Principal amount. Apparently, they do not offer that option and I 'm out of luck when it comes to trying to pay down the Principal amount. They also informed me that they do not offer any kind of income based repayment options. They offer other repayment options, but those have to be set up with their Collections department and declined to offer any more information on details of repayment options. Since XX/XX/XXXX ( current XX/XX/XXXX ) I have paid approximately {$600.00} of my balance and my interest rate on all loans has increased by 0.25 % ( highest interest rate is 11.000 % with no interest rate below 8.875 % ). I feel like I 'm being robbed and just treading water with these loans. I feel as though I will never get out from under this debt. I make a decent salary with my current job, but I know this will not always be the case and right now I can only afford to pay the minimum of {$650.00} a month.
Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : 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
My complaint is against the ADR Group located in XXXX, CA. XXXX ( XXXX ) from the ADR Group called my father 's house looking for me today. First off I 'm upset because they care calling relatives to try to locate me!! I have been at my current address for 19 years and have never received any kind of communication from this company then all of a sudden they are hunting me down and when I do call them back they are threatening to take me to court and file a civil suit against me for a {$750.00} They said it 's for a XXXX bill from 2001. I had a friend call them back to see if she could find out any further information and she spoke to XXXX. XXXX could n't answer some of her questions so she put XXXX XXXX ( XXXX ) on the phone who told my friend that the company ( XXXX ) waited 10 years for the statue of limitation to be up to take me to civil court to collect this debt. I 'm just wondering why they would do that because if I owed them why have n't I received any communication from them? He also said I could settle the account today and today only for {$350.00} which will not be possible because I am unemployed. He gave me two options to pay {$75.00} a month until I pay it off or settle the account for {$350.00}. He also asked for checking account information and a date to collect on the settlement amount. I 'm very leary of giving someone access to my friend 's account and she called the bank and they told her not to do that ( I do n't have a checking account ). XXXX told my friend that I had until XXXX today to call them and give them checking account information. I am not employed and I do n't have a checking account. It 's not right that this company would contact me about an account that I ca n't remember, and on my first conversation try to get me to give them my personal checking account information and all they are telling me is that it is an old XXXX bill without showing me NO proof. Can you please have this company stop calling my relatives and to close this old account and not to take me to civil court. Thanks
This is regarding our loan # XXXX. Our first Homeowner Support Specialist, XXXX XXXX contacted me on XX/XX/XXXX regarding our loan. We submitted paper work requested by XXXX XXXX. We were immediately reassigned to a loan negotiator XXXX XXXX. We submitted our information regarding out loan including hardship letter, personal and business tax returns, bank statements, and information about the property associated with the loan without much feedback from either XXXX XXXX or XXXX XXXX. We were reassigned again XX/XX/XXXX to XXXX XXXX XXXX. During this time we acquired the assistance of an attorney XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX XXXX attempted to contact XXXX XXXX in numerous occasions on our behalf regarding a short sale of the property in association with loan # XXXX. There was no response from XXXX XXXX to either me or my legal representation. A mortgage complaint was filed on my behalf from XXXX XXXX and we were reassigned to a XXXX Homeowner Support Specialist XXXX XXXX. We resubmitted all of our paper work again only to be reassigned to a fourth person XXXX XXXX XXXX. This whole ordeal took so much of my time and efforts getting information to different people at Citi Mortgage.
On XXXX-XXXX-2017 I went into First Bank at XXXX and XXXX XXXX XXXX, XXXX, CO XXXX to initiate a wire transfer to a supplier in XXXX that I have been using for over 4 years. As you can see on the form attached that my supplier is located in XXXX and the beneficiary bank address is in the XXXX. I did not notice this. This threw up no red flags for this branch or the wire transfer department that it might be suspicious and it should have. I was not asked about this. 

I did get a confirmation via email from my supplier account rep once the transfer took place saying they recieved the transfer and I thought all was well and the order would proceed. Following up on my order last week and finding out last Saturday the XXXX they have no record of the transfe so I forwarded their emailed response from the day after the transfer saying that they said they got it. They got back to me today that their email had been compromised and all wire transfer information including accounts and address had been changed on the wire instructions used to send the transfer. Calling first bank today they did a trace on the funds and the funds are now gone from a closed account.