WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and their Trustee Zieve , Brodnax & Steele , LLP ( ZBS ) have made repeated mistakes on my mortgage loan which it refuses to correct or investigate, issued The Reinstatement for amounts that more than what I own, eventually denied my loan modification application and continued foreclosure my property. The servicer continues to charge me late fees every month. XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX and ZBS are not respond to the Requests for Information. I am being denied an opportunity to save my home and avoid foreclosure through the Loan Modification program. XXXX denied my loan modification is not based on my income or ability to pay with a balance that I do not agree with because it includes fees and charges I have tried to dispute and be faced with foreclosure against me and I may loss of my home. I 've been submited loan modification many times and XXXX  continued to denied it, am not able to compute mathematically, and whose balance includes fees and charges I am not being allowed to dispute or have explained to me by XXXX and ZBS. XXXX XXXX XXXX XXXX XXXX./XXXX  denied my loan modification is not based on my income or ability to pay and be faced with foreclosure judgment and I may loss of my home. Their Single point of Contact ( SPOC ) is not working or they have many 300 files so they ca n't not have time to talk to customer nicely or respectfully for all the detail the borrower ask for. Today XXXX XXXX my SPOC told my representative XXXX  that do not call him anymore and I am not a customer for service because I am in default, he complaint that my loan have late history, he can not keep talk to XXXX because he have to work on his other file. I request another SPOC because XXXX XXXX is so busy with his more than 300 files. On XX/XX/XXXX, we talk to XXXX XXXX, her extention is XXXX she told us that the Private investor is XXXX XXXX XXXX XXXX from XX/XX/XXXX. but your respond XX/XX/XXXX you indicate XXXX XXXX XXXX XXXX XXXX is the current owner of the Note. I need to know how many investor, owner of the note?? XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX can not continue give me the run around and continue lie to me. Take a look at all their fee and cost, the answer to all complaint just bla, bla, bla ... they do not answer direct questions, just throw all the number and want the borrower pay for their nonsense fee. Please breakdown for all your fee and cost, when you charge and why you charge, I need all invoices and bill and cancel checks you pay for these fee and cost. A lot of your nonsense fee need to void because you over charge and I do not have to pay for your attorney fee when I bring you to court or when I was in bankruptcy You violate the Senate Bill No. 900 in many ways. You charge a lot of fee and cost when I applied for the loan modification.
I have been a victim of identity theft twice I have been through the ringer with equifax They have not obliged to anything I have mailed including two police reports five times very secure yet pertinent information because they will not talk to me over the phone and I can not log in online because of a security question I am answering wrong They had my birthday incorrect in which I fixed and I am trying to get them to remove a consumer statement that makes me look like an idiot because it makes no sense at all I never requested this to be on my report as well I never requested a security freeze for seven years They are taking this way too lightly The other companies and I have come to agreement and they still will not fix anything on my report I have paid about XXXX in mailings to them and the other companies and now most of the companies listed are the companies that bought out fraudulent accounts and the original accounts are no where to be found yet they still will not work with me and Im at my wits end The need to remove all hard inquiries the consumer statement that I did not write and all of the other garbage on there that XXXX and XXXX  have taken care of a long long time ago and this is effecting my credit and I need them to be on the same page as me. Enough is enough I am so sick of mailing them because I can not log in or speak to them I need help. Please for the last time they need to contact me instead of just letting my information fester incorrectly since 2015. 

Please advise and thank you
I have been a member of USAA for almost 10 years now. On the XXXX of XXXX, my wife and I deposited her commission check she received for a XXXX deal she completed that day. She is a XXXX and has had large commission checks deposited to this account before. This particular check was for over {$6000.00}. We called before we deposited it via the mobile banking app ( because that is the ONLY way you can deposit a check ) to ensure some of the money would be available for immediate use. The banking rep stated that we would have access to most of the money. They would hold {$1500.00} while the check cleared. This seemed normal and we deposited the check. We immediately had access to the money like the representative stated with a hold of about {$1500.00}. Two hours later, the account was locked down for " Fraud Alert ''. We have XXXX accounts we use for different aspects of our lives. Not only did they lock the main account down, the account the check was deposited to, but locked down ALL XXXX accounts for " Fraud ''. This check came from a XXXX office. We called before we deposited it, and yet, EVERY account we had was locked down for " Fraud ''. To make matters worse, when we called to figure out what the issue was, they told us it would take THREE days for it to be rectified! THREE DAYS! We could n't access a XXXX of our money for THREE days! We spoke with several people and no one would help us. They kept telling us it would take the fraud department time to " investigate '' the check. Meanwhile, I have XXXX who I could n't feed because we could n't access our money. No answers, no sympathy, and no action was taken by USAA to expedite the situation. We spoke to a manager who gave us a bad attitude and did n't help us at all. It did n't seem that any department had any idea what the other was doing. One person told us that the automated system triggered the main account for fraud but then another person, they did n't know who, came behind that and locked us out of all of our accounts. We have yet to hear anything from anyone and the issue is still not rectified, 4 days into it.
hello i have inquries on my report i have no idea about and i call experian about the problem and they telling me its nothing i can do about and i say oh yes i can ... inquiry ... XXXX ... XXXX ... .XXXX ... XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX credit/XXXX ... XXXX   XXXX  ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX/XXXX ... these are all the fraud inquiries i seen can somebody plz tell these people to remove these its aginst the law ...
Reviewing my report and noted a inquiry that is not mine. I have not inquired about any credit.
I went to XXXX university XXXX XXXX. They stated that I still owed them money in XXXX in the amount of {$10000.00} which I have no clue where this number came from because XXXX will not let you register for classes if you still owe money from a previous semester. I was making monthly payments to them in the amount of {$150.00} a month for 4 years straight which came to a little over {$7000.00}. When I called them to ask my account balance they told me that I still owed {$7600.00}. when I asked them how could this be they stated that out of the {$150.00} I was sending them a month only {$50.00} was going towards the actual bill and that {$100.00} was going towards late charges every month, which I was not made aware of this due to the fact that the payments would be late for the life time of the debt. I explained to them that this was ridiculous and I never even owed that large amount I only made payments because they kept threating to have me sued and would try to mess up my credit. I explained to them I had only owed a little over {$3200.00}. However XXXX had a collection company come after me when I refuse to pay anymore money to them. The law offices of XXXX XXXX XXXX XXXX Regency Plaza XXXX XXXX, Pennsylvania XXXX, these people claim to have the Debt from XXXX, I have been making payments of {$50.00} per month for over 3 years now and they keep harassing me by calling threating to sue me in court, telling me they will destroy my life by messing up my credit. everytime they send me a bill its for a different amount IM SICK AND TIRED OF BEING HARRASED!!! I explained to them that the debt that they have in incorrect, when ask for them to check with XXXX for the original amount they are telling me that XXXX does n't have the information any longer. they sent me a bill on XXXX XXXX XXXX saying I owe {$8900.00} I called and told them this was incorrect! then I got another bill on XXXX XXXX, XXXX saying I owe them {$9900.00} and this year they sent a letter saying that now interest will accrue at the rate of 6 % annum in accordance with state law. these people are rip offs I did n't have all the proof of all my payments I have moved and switched banks a few times most payments where through my bank accounts sometimes it was sent through a money order but all the ones sent to the law office for collections was through XXXX of my bank accounts. I had missed a few payments when I found out I had XXXX I was n't working had no income they continued to harass me saying they would sue me in court. I do n't owe this money and I 'm tired of paying them every month just for them to leave me XXXX XXXX should have to go through this, this is not right and I currently have no job after being out sick with XXXX and losing my job. I called XXXX they do n't have a record of the exact amount or the exact amount of payments I made. this has been almost 7 years going through this
I applied for a home loan and was notified by the mortgage company that I have a judgement on my credit report from XXXX XXXX on behalf of XXXX. I contacted XXXX XXXX on XX/XX/2018. I spoke to XXXX XXXX with XXXX XXXX at XXXX XXXX in an effort to determine the validity of this account, as well as the scope of the case/judgement. 

XXXX XXXX advised me to complete their form and send it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I reviewed the internet to and located a different address. I prepared a letter contesting the account and judgement ( attached ) and mailed a copy, certified USPS signature required to the address XXXX XXXX provided and the one I located on the internet. Interesting enough, the one XXXX XXXX provided me was returned undelivered. The one I sent to the internet address was received by Jay ( attached ). 

I have since received no proof or response to my letter.
I sent an id theft affidavit to Experian to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
I borrowed a number of federal loans for my doctoral program through XXXX XXXX approximately {$150000.00}. After I graduated from my doctoral program my loans were sold to Navient. Today Navient is saying I owe more than {$400000.00} ( I only graduated in XXXX ). In the detailed statements the original principals have been increased by over 60 % in which they are now calling unpaid principal. My required monthly payment fluctuates every month despite the fact that I am on an income-based repayment plan. When I have called and asked about this they say they are late fees and service fees ( they ca n't tell me from when ). Since I began repaying my loan after graduation I have never had a late payment. Navient has also auto-adjusted my interest rates to as high as 8.5 %. A couple days ago I read the news about the class action law suit against Navient and I am interested in finding out how I may get help to resolve this abuse of student loan repayment plans. I have a paper copy XXXX XXXX statement from Navient that cites my unpaid principal as {$160000.00}. However today when I go to the website in the statement they have from the exact same period of XXXX XXXX they cite the unpaid principal as {$200000.00}. I am including copies of both these for your review so you can see how they have retroactively manipulated the numbers.
I used Experian to access my annual free credit report ( which came with a {$1.00} fee ). I was unaware that doing so had signed me up for a service. 

Last night I saw that a charge for {$21.00} had posted to my card, so I followed up by logging into Experian to investigate. I cancelled a service I did not know I had been signed up for. 

I called customer service, and they were unable to refund my money because more than 24 hours had passed since they charged me. This is an unreasonably short amount of time for someone to be expected to check their credit card statement for serviced they never knowingly subscribed to.
I 've contacted Nair and Levin about a debt they state I owe. I requested from them in writing several times verification of the debt and which they failed to provide. My most recent one was after I sent them a letter stating that I would like verification and this time I faxed it over and still did n't receive a response from the debt collector. The debt collector has violated the fdcp by not validating the debt. If this matter is n't resolved I will file a federal lawsuit. I 've ask for validations to be sent in the mail, verbally, by mail and by fax. This was not done, therefore the debt is not collectible. I have also filed various other complaints regarding the business.
1. On XXXX/XXXX/XXXX I received a total of {$4200.00} from a XXXX XXXX from money he owned me. 
2. The money was transferred to my Venmo ( Paypal Inc. ) account on XXXX/XXXX/XXXX. 
3. I transferred {$2800.00} to XXXX XXXX Venmo XXXX Paypal , Inc. ) account on XXXX/XXXX/XXXX. 
4. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX . ( Venmo agent ) who stated they dont see my funds. This was Venmo case no. XXXX. 
5. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX XXXX ( Venmo agent ) who stated my accout was frozen and that I need to provide proof that I am authorized to receive the funds. 
6. On XXXX/XXXX/XXXX I recevied an emal from vemo that I had transferred {$2800.00} to XXXX XXXX and also that Venmo was transferring {$1300.00} to my XXXX XXXX account ending in XXXX by no later than XXXX/XXXX/XXXX. 
7. I have not received my funds after 10 days which is required by law of money exchangers nor have I found any evidence to support that I have violated there user agreements to withhold my funds.
During XXXX of 2016, my phone, and wallet were stolen at a downtown nightclub. Shortly after I was charged with outstanding overdraft fees, due to fraud activity. I notified the bank ( bank of America ) about the issue and filed a complaint. After a slight investigation, the bank came to the conclusion that it was indeed fraud and I was possibly at fault. The only fault I had was checking my account on another friends mobile app. The bank was uncooperative with any further assistance and then proceeded to close my account. The outstanding charges were up to {$560.00} dollars. Please get this problem eradicated, I 'm in desperate need of a checking and savings account. Please and thank you.
In XXXX I noticed on my credit report that I had a collections from XXXX XXXX loan. I contacted the debt collection person at the time and had to proven that this was not me nor my debt. The sent me a letter stating it was resolved and it was not my debt anymore. Today XXXX/XXXX/XXXX at XXXX I received a phone call from Premier Recovery Group regarding this debt. I told the agent that this debt was not mine and was identity theft. I could even fax over the letter from XXXX. She stated that she was going to put in notes but they were going to freeze my accounts. She refused to accept the fax.
XXXX turned into XXXX dollars and then down to this amount an then that amount, a class action against XXXX XXXX was completed 4 years ago. It was discharged.
I applied for a payday loan with Check n Go. Prior to the repayment I forwarded several emails requesting a stop withdrawal of payment request due to a family member passing. I even had XXXX my sister contacted Check n Go and requested to speak with a supervisor but yet they still submitted the payment though they were notified that I unexpectedly had to go out of town.They decided several days later to respond. I have the emails to confirm my contacts. I was charged {$35.00} NSF by Check n Go and {$35.00} by my bank. I have a repayment plan and asking Check n Go to take responsibility for the {$70.00} fee and deduct from the amount I currently owe.
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.
In XXXX, I had a XXXX XXXX Credit card. This card was used fraudulently and a large amount was on the card. I reported this to XXXX XXXX and they denied the fraud report and proceeded to debt collection. The debt was then turned over to Frederick J. Hanna & Associates located in XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I then started to receive phone calls that were very disrespectful and threatening. They would not stop harassing me. In XXXX I was apparently sued by Frederick J. Hanna & Associates. I was never notified about the suit that eventually went to default judgement against me. After the default judgement a lien was placed on my home that I was never aware of. I am now trying to refinance my home with a VA to VA loan and can not do this due to this lien. I am a XXXX XXXX Veteran on Social Security and have been taken advantage of by this law firm. I know they have violated The Consumer Credit Protection Act with the way they were doing business with my account. As I said before I was unaware of this judgement and lien until last week XXXX/XXXX/XXXX when I tried to refinance my home. 
Thank You,
My student loans are through XXXX XXXX. Any extra payment goes to interest and not principle. I did n't think that was legal.
XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.
My student loan has been transferred to various lenders. I have been trying to find out the history of where my loans ordinated, and who " touched '' it along the process. For over 5 years I have had collection companies call me wanting me to aggressively pay the debt or go into a rehabilitation program and could have 5 dollar monthly payments, yet they will tack on additional 3 grand for their fees. So I 'm in debit and can only pay 5 a month, yet they get to add on 3 grand more. Most recently I have been dealing with XXXX/College Assist. Here are my complaints and have audio phone calls to support my claims. 
Companies miss represented themselves to me throughout the process. 
College AssistXXXX would never allow me to talk directly to them. 
I asked multiple times for information of my loan about where was it, who had it or even give me a financial balance statement since its conception. 
Company sent me financial document via email to me that was not mine, which causes concern of credibility and I believe it violates Electronic Communication Act of 1986 ( ECP ) 18 U.S.C. 2510-22 This last Credit Recovery Company XXXX in XXXX states they are a Government Acency, but they are a Credit Collection Company. Not part of the USA Government. 
As a result of College Assist/XXXX practices, I have accrued over {$1800.00} in extra interest and {$2800.00} in recovery fees. 
One credit company XXXX XXXX did not respond to my letter stating that I disputed the claim and XXXX failed to respond and " sat '' on my loan for over 12 months. 
There are many other deceptive practices that have happened. 
I do have recorded phone calls with these various credit collection companies to document their false claims and deceptive practices. 
I am in the process of hiring a transcriber for these calls. For presentation in my case. 
I also have other written communications to Credit Companies and they failed to respond or act on my inquiries Federal Student Aid website says College Assist owns my loan. They are then acting With XXXX ... but XXXX has turned over the loan collection to XXXX. See above complaint. XXXX has totally violated my rights. 

Lastly..I looked at my credit report and shows XXXX Student Loan has been reporting to the credit since XX/XX/XXXX as negative. So who is this company now??? 

Now do you see why I have n't been able to get any reliable information and support to rectify my student loan delema? 

Who really owns my loan???? 
XXXX College Assist XXXX Since XX/XX/XXXX my loan went from XXXX to now XXXX!!!!!! 

PLEASE HELP ... ..PLEASE HELP ... .WHAT AM I TO DO??? 
College AssistXXXX has started the Garnishment process ... ..
I have paid this  XXXX  account on  XXXX   XXXX ,    2017,  of  XXXX .     I have confirmation numbers and account numbers to prove it. Credit bureaus are still saying they are owed, affecting my credi t FICO s core
I was making school payments for XXXX University XXXX XXXX Campus on my original balance of {$980.00} ( approximately ) and I missed a payment and they sent it to a collection Agency ( Access Receivables ). I had no Idea that it was sent to Collection until I see it on my credit report. The collection agency did n't sent me a mail to my address, did n't send me an email or a phone call. 
I have contacted Access receivables, but the manager did n't want to assess the situation. 
As a taxpayer citizen, I have a right to be notified by certified mail that I have to settle a debt, but in this case just because they have the power to post it to my credit, they did.