WillisBack/dataset-financial-user-claim huggingface dataset:
Calls from Monarch Recovery from this phone number XXXX. I asked what this is regarding and they replied " Please verify your birthdate '' I said I will not give any info over the phone. They replied " We will contact you again at a later date. '' I have sent the company my XXXX credit report showing that I do not have any account in collections.
I have provide documents and links explaining the Wells Fargo Foreclosure Fraud Scam along with their latest criminal scam in which they robbed, stole, and created XXXX accounts. If you would like copies of the entire packet of paperwork from the 2010 closing, I will send them via XXXX mail. Otherwise, you can just continue to believe every " TADA '' document sent via Wells Fraudo
We got a home improvement loan for {$12000.00} from Amerifirst XXXX. We have paid, to date {$13000.00} on this loan. We have filed bankruptcy, and Amerifirst forced me to sign a " Reaffirmation " of the original loan claiming we still owe {$9500.00}. This loan STARTED in arrears, and the reaffirmation places us even further in arrears. They have repeatedly used the threat of foreclosure on our home as a club to end all discussion or negotiation between parties. There were things not disclosed about this loan, such as the lien against our home and the total payoff of twice the amount of the original loan. All the original documentation was done in our home by the XXXX salesman, and XXXX has since gone out of business and reappeared XXXX. We feel like we were defrauded from the start, and have been financially abused since. These companies are in collusion to use predatory loans to assault consumers. Amerifirst has XXXX complaints with the XXXX Report, and they need to be held accountable for their ethically vile practices and pressures.
on XXXX XXXX 2015 I found out that MEDICAL DATA SYSTEMS was reporting negative information on my Credit Report and on XXXX XXXX I sent a letter toMEDICAL DATA SYSTEMSDBA/ MEDICAL REVENUE SERVICEXXXX XXXX XXXX XXXX , FL XXXXDisputing this information Informing them that this account was being Disputed under USC 1692g Sec. 809 ( b ) they received my first Letter on XXXX XXXX 2015 ( usps.com - Tracking Number : XXXX ) I Received a Response Letter dated XX/XX/2015in this letter they claim they can not locate the account with the information that I provided in my first letter which is the same information they are reporting to the credit bureaus. 
I sent them a second letter on XXXX XXXX 2015 which they received on XXXX XXXX 2015 ( usps.com : Tracking Number : XXXX ) informing them that they were in violation of USC 1692g it has now been more than 30 days which federal law requires for a collection agency to validate an account
I had amount withdrawn from account and no services were recieved. I contacted both XXXX and PNC and both were unable to assist. PNC claims it's XXXX and XXXX states I have to contact the merchant and is unable to assist.
We were in a current modification with SPS ( select portfolio servicing ) who are a service company for XXXX XXXX, and XXXX XXXX, which apparently in some way related XXXX a holder of the note other the bank with the loan, last year i was sent a letter of an increase on our payment, which we were just making, the reason was for a proposed tax increase in my town, note no increase was given yet, we could not afford the new rate which went up nearly XXXX dollars, we fell behind again, I contacted SPS and requested a new Modification or PRA, since XXXX I have submitted every document they requested XXXX times now, on Monday I will be submitting the XXXX time, each time they wait 2 weeks and say I did n't send certain documents then by the time review comes I have to resubmit cause its a new month, we were rebuilding our credit and now I ca n't buy a baggie on credit cause of the situation, SPS does nothing and i have found out they have a class action lawsuit on them for this exact behavior, I just want to be able to have an affordable payment and not struggle and have to owe XXXX what my house is worth by the time its done, when I mentioned a PRA ( pay down rate ) SPS did not reply obviously seems they are n't here to help us, they also refuse to move my pay date to mid month and they see on paper I do not get my XXXX till the XXXX of each month so I automatically pay late fee, can someone legally help us, I was told there are companies that file the complaint for XXXX XXXX dollars then i heard that was a scam I have no where to turn here, SPS has changed our " case manager XXXX times since the process started, and our latest one XXXX XXXX, Stated on their recorded line on XXXX XXXX that all my documents were in but XXXX a XXXX I was driving home when she called and informed her I would send that via email ASAP, that night it was sent and 2 weeks later as we waited for review a different case manager called and informed us all paper work had to be sent as review passed, I explained XXXX said it was there, I had email proof it was sent she said cause it was a new month it did n't matter I spoke to her supervisor and i was told our tax return for XX/XX/XXXX and XX/XX/XXXX needed more pages, then i was told our bank statements were a month behind, which was false it was cause they waited, then I was told the XXXX form was not there and I sent the email confirmation she had no answer, just send it again, we contacted NJ XXXX and were guided by XXXX who wrote our budget out and did our hardship letter and sent it out on our behalf, SPS said that was not sufficient, i also sent a copy of an official letter from XXXX showing my XXXX payment, when I got it via direct deposit and what how much, SPS then said that was not sufficient, it had to be my bank statement, i sent the front page of my bank statement showing the XXXX deposit, and SPS said they want all pages of our bank statement, here is the funny part, when i asked how do you know i sent XXXX page if you did n't get the paper work, SPS had no answer.
In my Online Banking there is an ebills section where I get pre-selected electronic bills from approved  merchants.. All of them ha ve a due date, just like any bill would have ... except for  XXXX  ...       XXXX   has established this auto pay without my permission &amp; furthermore, there is not specified date to know when it will be debited to secure fund for that money grab of my account.     There has been  2  separate attempts by BOA/ XXXX  to deduct the owned balance which resulted in Over draft fees, which should have been eliminated the last CFPB complaint agains t BOA..      This is a MAJOR issue of overdraft fees t hat BOA is gaining d ue to unscrupulous practices.
I have spoken to several people at Equifax who have instructed me to send a police Report to have unauthorized Hard Inquires removed from my credit report. I have faxed over the documents multiple times and they still have not removed the unauthorized inquires. They have taken up hours of my time placed me on hold for 1 hour and 60 minutes or longer giving me the run around.. I spoke with XXXX NUMBER XXXX who told me my official Police Report was not acceptable yet it is an Actual approved Police Report. I spoke with XXXX - XXXX At Equifax who stated the same thing. XXXX - XXXX spoke to XXXX who then tells me she ca n't tell me who her supervisor is. At this point it has been 2 hours of me being on the phone.
I previously filed a complaint with CFPB Case No. XXXX, and XXXX. I received a letter from Key Bank Operations Manager XXXX XXXX, please see attached document. I placed multiple calls to her only to every time get her voice mail. She never returned my calls. Even though I feel I did n't owe the {$47.00} I paid it anyway, please see attached receipt. I paid the {$47.00} at Key Bank Branch on XXXX XXXX XXXX XXXX. XXXX XXXX, N.Y. The bank officer XXXX XXXX kept calling Key Bank home office and XXXX to report I paid the {$47.00} and to release me so I may open a checking account at another bank. XXXX XXXX became frustrated because he was n't getting anywhere and advised me to call Key Bank XXXX and ask for overdraft recovery or collections which I did. No one was able to any longer locate this account and told me to go back to the local branch. I said I was at the local branch and they told me to contact the Key Bank XXXX number. Nobody at Key bank knows how to release a customer from derogatory complaints they made against them to XXXX. Consequently I have not been able to open a checking account anywhere since last year when Key Bank closed the branch I did business with for over 20 YEARS.. I it apparent Key Bank increases their value by not closing accounts when the customer requests and not releasing customers from XXXX when the customer paid it off. Note in the letter they reported {$87.00} to XXXX when I only owed {$47.00} they claim. The operations manager admits it in her letter, never bothering to correct the amount with XXXX. We all know now how they were able to purchase First Niagara Bank. Please let me go on with my life and release me from XXXX, they got my money they did n't deserve and permanently close checking account number XXXX as it is obvious this bank does whatever it takes to gain assets. Thank you.
We made payment to PNC home equity account. However the payment was not reflected on the balance. PNC is still charging us interest for the balance we have already paid. 

Below is the timeline summarizing what happened : We totally draw {$100000.00} on XX/XX/XXXX from PNC home equity account. 
we made monthly payments from XX/XX/XXXX to XX/XX/XXXX We made payment to principal on XX/XX/XXXX of {$8300.00} we made {$30000.00} payment to principal on XX/XX/XXXX We transferred from virtual wallet account to Home equity account of XXXX on XX/XX/XXXX. 
We bring {$60000.00} check to the local branch to pay off the principal on XX/XX/XXXX ( check amount of {$15000.00}, {$25000.00} and {$10000.00} and {$10000.00} ), among which one of the XXXX check was returned, the rest {$50000.00} was deposit and cleared from other banks ( see attached deposited check images ) we transferred {$1000.00} from my equity loan account to my regular PNC virtual wallet account on XX/XX/XXXX. 

Due to the returned XXXX check, PNC has been holding all the deposited {$50000.00} and not showing as the principal payoff, PNC is still charging us monthly payment based of {$59000.00} balance, we actually only own PNC about {$9000.00}. 

Since this issue occurred, I have talked to banker in PNC bank XXXX XXXX   branch, they told me they can't do anything. We then filed a customer complaint case with PNC customer relation team, XXXX XXXX with case No XXXX, we have been actively following up with her every week since XX/XX/XXXX, but still nothing has been resolved. 

We received the payment statement for XXXX. PNC charged us $ XXXX monthly payment for the remaining balance which is not correct.
Portfolio recovery services LLC representing XXXX XXXX bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
Their is a bankruptcy reporting on my credit report that is not mine, I spoke to the bankruptcy court and they confirmed that its not mine and is not sure how this is being reported on my credit report as they did not even have my SSN in their system. They saw a smiler name but could not provide me with any information of that person and they told me to dispute it with the reporting tangency. I reached out to the credit agency and they wont remove it nor will they tell me why or how they verified that its mine.
I received a phone call from ( XXXX ), which claimed it was collecting {$1200.00} on behalf of XXXX XXXX. I contacted XXXX, who said there was no such debt, and warned me to not pay.
There is a hard inquiry on my credit report from a credit card/airline credit card company called Syncb. I  never applied for anything.
New acct number XXXX, changed from XXXX XXXX XXXX, XXXX. 
*** # 1-For XX/XX/XXXX, Ditech submitted a fraudulent federal form XXXX, attached, reporting {$2700.00} for # 1 mortgage interest received from payee ( s ) / borrower ( s ). ***We paid {$2600.00} interest in XX/XX/XXXX ; the difference is {$99.00}, attached XX/XX/XXXX monthly statement. ***On XXXX XXXX, XXXX, Ditech removed {$99.00} from our account as payment for late fees. ***Rather than report this {$99.00} ( or rounded up to {$99.00} ) as income from late fees, did Ditech report it as interest per mortgage contract? 
*** # 2-Ditech creatively posted our first XXXX payments to remove the late fees. ***Ditech 's agent mistyped our XXXX payment ( XXXX/XXXX/XXXX ) short by {$2.00}. ***Ditech 's transaction spread sheet ( in XXXX/XXXX/XXXX letter ) shows not XXXX {$770.00} payment but XXXX, {$670.00} UAF and paid late fees {$77.00} ( prev balance ) and {$22.00}. ***Ditech created the {$22.00} ( should be {$38.00} ) late fee amount, thus zeroing out the UAF after posting P & I. 
*** # 3-Ditech did not honor the agreement for our first payment ( XXXX/XXXX/XXXX ) by posting 2 months of new escrow rather than applying 3 of the 13 months of escrow overage for our payment to post as 3 months of P & I. ***While having possession of our 13 months of escrow overage, Ditech put our account 2 months in arrears.
Portfolio Recovery is attempting to repeatedly collect on a time barred account I had years ago with XXXX My caller ID indicates they called me today at XXXX. from phone number : XXXX after multiple times previously informing them to " stop calling '' my personal residence and to contact me by mail if necessary. I informed them that they are " harassing '' me and invading my privacy at my home and to stop immediately. They refuse to comply.
I have a complaint about OCWEN who is servicing our mortgage loan. My husband and I, who are both seniors have applied to refinance our OCWEN serviced loan under a reverse mortgage with a different lender. The process has gone well until a request for the OCWEN serviced loan payoff requirements request by our potential new lender/title company. Briefly, this process has gone as follows : On XXXX XXXX, XXXX an initial request for payoff requirements, on our behalf, was sent to OCWEN by title company. Ocwen, then requested a copy of appraisal which was immediately sent to them. This appraisal was prepared in XXXX XXXX. 

After no response from OCWEN, on XXXX XXXX, XXXX we contacted OCWEN who acknowledged receipt of appraisal but said there was no payoff request. The requested another copy of appraisal which I faxed to them immediately. On XXXX XXXX, XXXX, I called to verify that they had received appraisal and they confirmed that they had and they were preparing payoff requirements in 3 to 4 business days. 

After no payoff request, on XXXX XXXX, XXXX we followed up by phone with OCWEN who told us that appraisal was dated XX/XX/XXXX. After further conversation they admitted they had most recent appraisal but it was n't in color. We were asked to send another copy, right away and they would send payoff requirements within 24 hours. We immediately replied, sending another copy of the appraisal by email. 

On Friday, XXXX XXXX, XXXX we received a letter indicating that they need yet another 4 days to send payoff requirements. 

One annoying issue is that we ca n't get a central point of contact at OCWEN. We get name/id when we call but on follow up calls we can not get back to prior contact and when we ask for return calls we often fail to get them. 

Is there anything you can do to assist us in getting payoff requirements? 


XXXX XXXX
Loans were not put into forbearance when told numerous times that I am unemployed and have been for XXXX years. Some employers do credit checks now and these loans reflect badly preventing me from getting work in order to pay them off.
I paid in full and received it in writing however afni still acquired the account way after settlement and it 's showing on my credit report. Afni should not be reflected anywhere on my report because it was paid in full to XXXX
I took advantage of a CitiBank promotion which was to open a new account and receive a {$400.00} bonus after meeting requirements. I had met the requirements and it 's been nearly XXXX months and the bonus still has not posted.
Hello, I just called XXXX regarding late fees that are still being applied to my account. My initial concern was that when i was with XXXX they allowed me to pay my payments by splitting it by 1/2 due on the XXXX and remaining 1/2 due at the XXXX. I attempted to do this with SLS but their system was unable to process these types of payments which resulted in me having to call in monthly to have my 2 payments combined to be applied to what was currently due. I this this for a few years. Recently ( ~XX/XX/2018 I started making just 1 payment monthly as they noted so that I would no longer incur any fees or have my partial payments applied to principal erroneously ) and I am still getting late fees incurred. In my recent conversation today, they noted that it appeared i was still behind, but based off my history of paying twice monthly and now recently monthly on the same dates, i fail to see where and how i could be behind. In the past, when i have called, they noted that they see where some XXXX payments were applied to principal. I advised this should never have occurred and thought all prior misapplied funds were applied accurately. I need help to fix this since late fees are continuously being applied and i refuse to pay them until this gets cleared up.
On XXXX XXXX 2015, Paypal Credit conducted, without my authorization, a hard credit check on my credit card account and reported this check to XXXX XXXX on XXXX XXXX 2015. I did not verbally or in writing do a PayPal Credit application. I did not contact Paypal Credit for a new card. I did not contact Paypal Credit for a new credit limit or a different interest rate for my existing PayPal credit card account. I tried, unsuccessfully, to resolve this with PayPal Credit by phone on XXXX XXXX. I have sent PayPal Credit a letter demanding that they provide me with proof of my authorization to conduct a hard credit check on my account -- which is good standing. It is my understanding that if I did nothing to merit such a credit check that PayPal Credit must legally take action to have this report removed from my credit record.
I am one of the many who had to opt into an income based repayment plan. After much research and after finally being in a decent situation where i could afford the monthly payments i began it. I was told by the rep that if i paid XXXX a month i would start to see a reduction in my overall balance. It turns out that wasnt the case and instead of my total balance being deducted even by a dollar after each payment my debt only kept increasing. I then decided maybe if i paid more ( XXXX ) it would be enough to tackle the 6.125 % interest rate they have on both loans. As of now my debt is increasing and remains somewhere in XXXX even though i only make XXXX before taxes yearly. I think they purposely do this so i can pay them out the 16 years that are needed for loan forgiveness. Please help, even if there is no foul play with my account, at least for self educational purposes.
XXXX Loan Servicing has repeatedly failed to mail mortgage bills to my correct address. I have lived at the same address for the past 2 years and XXXX has failed to send me monthly mortgage bills and then they report my account as past due. This is now the XXXX time this has happened and the last time it happened my account went 60 days late and my credit has been adversely affected due to XXXX 's failure to send the bills in the timely manner to my correct address.
I refinanced my condo. the new loan is serviced by Midwest Loan Services. 
As was my old loan. I have never been late. Until, I paid my first payment on the new mortgage. I requested they add a homeowners insurance impound so the amount of the payment changed and I made two payments. 
I was off by XXXX cents. They were nice enough to call me right before a week- end and requested my checking account info for the XXXX cents. They said bill pay pay might not be in time. They say I gave them the wrong account info and they have a have recording, I have not heard it. IF I erred, I certainly do n't know where. I read I read the numbers directly from my check. Now they are charging me a late fee. While I 'm guessing this is legal, it 's also not right. I can not afford extra payments. I 'm a single mother of a XXXX and I have no otherfamily to turn to. 
It seems to be more than unethical, if not illegal. I tried to reason with them. 
It did n't work. I would like the late fee waived without affecting my " Once in 30 years waiver of a late fee. I 'd like to save that for retirement if I can ever afford to retire. Retirement is not likely with companies like this taking every ' single dime they can get from people just because they can. 
American Greed Run Rampant
XXXX XXXX, XXXX On the XXXX of XXXX XXXX all of my inquiries were removed and were put back on my report the XXXX of XXXX XXXX. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since Equifax failed to notify me, they have broken the law. 
Equifax has violated my rights under the FCRA Section 611 laws! I have called several times and representatives were belligerent and unknowable. 
I have proof of the removal and reinsertion from XXXX XXXX, Equifax Total, and various credit card online reports. May I remind you that it merely costs {$30.00} to file lawsuit against Equifax, and that to avoid having to do that, I am simply requesting a removal of all inquiries and derogatory account that was removed/deleted and reinserted without notification. 

Delete account : 1 ) XXXX XXXX XXXX Delete Inquiries : 1 ) XXXX XXXX ( XXXX XXXX, XXXX ) 2 ) XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) Credco/Quicken ( XXXX XXXX, XXXX XXXX 4 ) XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) 5 ) XXXX ( XXXX XXXX, XXXX XXXX 6 ) XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX 7 ) XXXX XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) XXXX ( XXXX XXXX, XXXX ) 9 ) XXXX ( XXXX XXXX, XXXX ) I can see very clearly that they were deleted and reinserted which dropped my score dramatically. It was a mishap in Equifax 's system and while unfortunate, this was not due to anything in my control yet I am being penalized for it with a negative effect on my score. 
I do n't care about XXXX party credit monitoring services, about glitches or any of that. I do know my rights and I know that per FCRA Section 611, you broke the law. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
I received a letter from this company alleging that I owe them a debt and that they provided me with services. I have never done business with this company and nor have they provided me with goods or services