WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a text message from my supervisor that someone from Ardmore Finance named XXXX contacted her and that I need to call them so that a sheriff wo n't serve me at work. The information should not have been said to my supervisor and on XX/XX/XXXX I verbally advised them to not contact my job and they had no right to release that information to my supervisor. On XX/XX/XXXX I received another call at work at XXXX after advising them to not contact my job and that I will contact them from my cell phone and was then hung up on.
as usual was using credit card. I had fine established credit and company ( XXXX ) put freeze on uses of card.
This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!
I looked at my 2 student loans I have Navient. I noticed I was not having much of a dent in my balance each month. It seems that after paying student loans for 15 years on and off I can't get my balance lower than {$30000.00} when my original loan amount was {$7900.00} one loan and {$21000.00} for the second loan. I have a fixed rate of 4.5 percent. I feel like I'm paying a lot more in interest than the 4.5 percent fixed rate. The interest on {$7900.00} should only be {$350.00} and the interest rate on {$21000.00} should be {$970.00}. The student loan provider website says that in the life of the loan my total to pay back will be {$39000.00}. If my loans are 4.5 percent should not the total be no more {$31000.00}. Maybe I do not have an understanding of all the fees with student loans. I don't know. My loan was with XXXX before it was serviced by Navient. I feel like each month when I make a payment most of it is going toward interest and the interest is a lot more than 4.5 percent. I called Navient on XX/XX/XXXX18. I asked the question about interest. The lady I spoke to did not have an answer for me. She put me on hold. After a few minutes I was transferred to a survey for quality assurance. After the survey I was disconnected. I called back and had the same experience again. I felt like no one could answer my question about why my balance is not going down. I have had late payments in the past but have been up to date for over 6 months.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; Please help and intervene and take over this process. SPS has placed my mortgage resolution in to a cookie cutting process that does not appear to be sensitive to my unique circumstances. The fraud in XXXX mortgage origination and XXXX modification. 

Origination : XXXX did not disclose that the mortgage was not economic ; The P & I is less than the taxes. Who buys a house to pay taxes? A home is purchased as an investment and not expense. 

I was given XXXX mortgage to conceal the true leverage for XXXX. I thought one was a credit card. 

Modification The XXXX XXXX XXXX modification did not provide a reduction in principal and interest. 

The P & I after modification was higher that at the origination. 

The modification did not provide a principal reduction. 

I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a major cardio arrest in XXXX. XXXX. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 



An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original debt.
Chase Claim number XXXX. I am seeking {$60.00} reimbursement for two stop  payment fees on two checks that were deposited in an ATM machine and lost by Chase bank. I had to go to the two makers of the checks and confirm that the checks had not cleared their banks ( the checks had not ) and request replacement checks. A Chase employee had told me to get new checks made and that Chase would reimburse me for the stop payment fees that my clients charged me. On XX/XX/XXXX at XXXXXXXX XXXX, I attempted to deposit {$1200.00} in cash and five checks in an ATM machine located at XXXX XXXX XXXX XXXX XXXX Fl. The ATM machine gave me the message that it was unable to process my deposit and to call XXXX. Unfortunately the ATM machine did not return the cash or the checks. Eventually the {$1200.00} in cash and three of the checks were credited to my account. I call Chase and told them that two checks and not been credited to my account. The Chase representative told me to go to the makers of the to checks and get replacement checks issued. When I asked about the stop payment fees for the two lost checks, I was told to have the makers issue the checks for the original amounts less the stop payment fees and that Chase would reimburse me. I went into my local Chase branch on XX/XX/XXXX at XXXX XXXX to deposit the two replacement checks and to get reimbursed for the {$60.00} for the stop payment fees that the makers of the two missing checks and charged me. I spoke with XXXX XXXX ( who was helpful ) he called a Chase employee named XXXX ( he would not give me his employee ID or last name He was unhelpful and rude ). He told me Chase would not reimburse me and that I should get reimbursement from the makers of the two replacement checks. I can not ask the makers of the checks to pay the stop payment fee because the original check that was issued to me never cleared their banks and I can not produce the original checks because I deposited them into a Chase ATM that I was never given credit for. I was surprised that the checks were never accounted for when a Chase employee opened the ATM machine. I did cloud the waters by not have an exact total for my deposit when I initially contacted Chase so I  was advised to estimate the total which I did at {$5000.00}. The only reimbursement that I need from Chase is for {$60.00} for the stop payment fees for the two replacement checks. The deposit I was credited with originally of {$5000.00} with a debit of {$1600.00} for a total of {$3400.00} I agree with. ( 5000 - 3400 = 1600 ) The detail of the deposit for {$3400.00} is cash {$1200.00}, check {$150.00}, check {$600.00}, check {$1400.00}. On XX/XX/XXXX I deposited the two replacement checks of {$200.00} and {$520.00}.
I had billing disputed with an original service provider ( XXXX ). They billed me incorrectly for a service ( either by poor oversight or fraud ). I called them 6 times in the last 12 months to resolve the billing error. They never replied and instead sent the debt to XXXX XXXX XXXX. XXXX XXXX never notified me about the outstanding claim of debt. They reported the collection debt against my credit violating the Fair Debt Collection Act section 8a. I was given no ability to resolve the claim and only found out when my credit was run and saw the notation. Consequently neither XXXX XXXX or XXXX XXXX have made any effort to resolve the dispute despite me making every good faith effort to resolve the billing with them.
I have been trying to refinance with XXXX XXXX  since XX/XX/XXXX. I found out that I have a lien on my property from XXXX XXXX XXXX from XX/XX/XXXX for a line of credit XXXX in which I owe XXXX dollars on. I have the property title report from XXXX XXXX  dated XX/XX/XXXX that shows GMAC Mortgage on title report. I also went to XXXX XXXX County recorder and pulled Deed of trust and assignment of rents to see if I had full reconveyance I did not. I also pulled credit report from all 3 agencies no judgments. GMAC Mortgage did not close out this account. Since XX/XX/XXXX GMAC no longer does business I have called Ally Bank which took over some of GMAC loans in which XXXX said I am not with them XXXX XXXX verified me by social security and property address. I also contacted OCWEN the debt collector that bought GMAC debt they also verified that I am not with them either. I also found California civil code 2941.7 statue of limitations it has been well over 10 years.
In XXXX, XXXX, I received a Earnings Garnishment from the Kohn Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to Kohn Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day Kohn Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, XXXX XXXX filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the XXXX XXXX Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that XXXX XXXX had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. Kohn Law Office states they were hired by XXXX XXXX to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?
The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished.
Around XXXX of XX/XX/XXXX we were 2 months behind on our mortgage payments. We were told that we could apply for a modification and so that 's what we did. After being told we qualified for {$70.00} less on our normal payments for 3 months, we were also told to not make a payment until XXXX XX/XX/XXXX. Under this plan we would be protected from foreclosure. We were then told after these 3 months, if we paid on time there was a possibility it could be lowered more and become permanent. While {$70.00} was n't going to help us very much, we decided to accept this trial period in hopes of further help in the future. However, what we did n't know was that we would also be accumulating unpaid months and after our trial period was up we would be further behind and in worse shape than ever. We now are 6 months behind because of this so called " help '' we received. I do n't see how this was supposed to help us at all. We did everything were told to do only to find later that it has hurt us beyond help. We are now concerned about losing our home to foreclosure.
During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.
This debt is not longer owed. The XXXX  forgave the debt and sent this company notification to release and remove the debt. There are two accounts. The balance on one is XXXX and the other one is XXXX
attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
XX/XX/XXXX - Purchased engagement ring for my Fiance at XXXX XXXX in XXXX, NJ. Opened account with XXXX XXXX to finance the ring XX/XX/XXXX - Returned original ring and received a new one XX/XX/XXXX- First payment was made with a finance charge Received the following charges on my account thereafter : XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX FINANCE CHARGE Charged {$37.00} XX/XX/XXXX FINANCE CHARGE Charged {$24.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} The company, rather than return my original ring purchase and add the new ring purchase, tacked on the new ring purchase on top of the other, charging me two times a month for two separate purchases. Now, I am receiving finance charges for the original ring which was returned AND the new ring.

This was reported to the company who services the loan and no determination or refunds have been issued or communicated. I continue to receive TWO finance charges per month for ONE purchase.
XXXX credit card stop sending me monthly statements about my credit card more than a year ago and they started to charge me late fees of {$35.00} each month even though I was making monthly payment. 
when i opened the credit card with XXXX, I requested to receive the monthly paper statements only via postal mail. 
XXXX intentionally decided not to send me monthly paper statements so I will not know the due date and they can charge me late fees each month. 
XXXX knowingly engage in fraud by retain monthly statements in order to charge me late fees charges of {$35.00} each month. 
I have never authorized or agreed to receive monthly statement by any other mean than paper statements via postal mail. 

When realized that I was been charged monthly late fees for over a year, I asked Mr XXXX XXXX, the XXXX manager to remove all the late fees charges since I could not know when the monthly payment was due without a statement. He agreed that it was XXXX mistake and he could only refund XXXXne month out of more than twelve month. 
I told him that this was not a fair and satisfactory resolution for me and I decided to close my account with XXXX and told him that i will not paid the balance of {$940.00} until the fraudulent late fees are removed.
Nationstar has agreed to approve a borrower 's file for a short sale ( see attached docs ). I 've complied with all the terms and conditions of the initial approval docs sent to the borrower and received written instructions that the process will take 2-3 weeks once docs were submitted. I have experienced the reassignment of this file 4 times in the last 30 days that has caused unbearable delays. The last POC on XXXX required that I upload docs which I did promptly and received information that the approval should be within 2-3 weeks. After several attempts via phone and emails via equator to obtain an update, the file was sent to the Auction Dept after Equator showed the file owner changed again to XXXX XXXX? XXXX. I was informed by XXXX that because the first buyer " walked '' the file went to Auction. Actually the first buyer did NOT walk! It was determined by Nationstar that his offer was too low and would not meet the net required.
Months ago I've paid debts on my credit report to XXXX XXXX Acct # XXXX although I did not owe the accounts per I thought it would be faster and in good faith to do so however the hardship of my unfortunate situation of identity theft and deceptive practices to my name and credit. XXXX then removed the negative marking from my credit report and months later harmed my credit score greater by adding the same negative marking on my report again with XXXX balance paid collection which dropped my score dramatically. this goes against the Fair Credit Reporting Act. After disputes XXXX XXXX did not correct this matter. I demand this account be removed from my reports of the 3 Reporting agencies.

am aware that per the provisions of the Federal Fair and Accurate Transaction Act ( FACT Act ), also known as the 2003 Amendments to the Fair Credit Reporting Act, section 609 ( e ), identity theft victims are entitled to obtain from a business entity a copy of the application and other business transaction records related to their identity theft free of charge. Businesses must provide those records within 30 days of receipt of the victims request.

I respectfully demand a copy of the application records and detailed billing records for this account in my name ( and/or Social Security number, etc. ) a physical contract bearing my signature from the date the service started until service ended and any other account records in your possession relating to this account. This account ( indicate circumstances such as i.e., appears on the credit report maintained for my name, as an inquiry or referral from your company, created a debt for which I am being held responsible, etc. ).
Have tried multiple times ( at least a dozen ) and on multiple days from XXXX XXXX - XXXX ( missed the XXXX since we were dealing w XXXX XXXX ) both by email and by phone to put a security freeze on my account with Equifax. Ive put in my personal information at least 10 times both online and on the phone system and after doing that either get no response, cut off or a message that says a security freeze can not be completed at this time. 

This is unacceptable when they have had a security breach. 


Mailing my social security number, copies of my identification and credit card number is NOT an acceptable solution as that is even less secure than Equifax 's system. Unbelievably this is what is suggested. Why would anyone do it that way?????
been trying for over 3 years with nationstar for a load mod., in that time i have worked with over 100 of thier workers never the same person which is not good when you trying for something so important, i have mailed or faxed what they keep asking for only them to syy they never recieved it or needed more, i was always willing to send because this house is important to myself and my XXXX wife i have read where nationstar does this all the time i need your help that
The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.
My employer received a call on XX/XX/XXXX from Profit Services Group. XXXX XXXX XXXX was the lady that spoke with my co-worker and my manager. After I had left for today she asked to speak with my manager and my co-worker told her he had left for today. He gave her my manager name and she call the company operator to get his telephone number. My manager text me at XXXX XXXX XXXX XXXX asking about a XXXX XXXX who insist on speaking to me. She had my co-worker and my manager in a big uproar about trying to reach me. The very next day she called again and I answer the phone. I let her know not to contact me at work no more. She claim she tried to reach me at home and I told her I never received a call from you. XXXX XXXX said " we don't leave messages ''. So she decided to call my employer. She said she knew it was my number because that was my voice on the voice message. That was a RACIAL statement!!! I never spoke to XXXX XXXX for her to made that kind o statement. I asked may I speak to your manager and she replied I am the manager!. I asked may I speak to your supervisor, and she refused to let me speak to him/her. XXXX XXXX should be terminated with this kind of behavior immediately!. My insurance provider and I tried to do a 3 way call to clear this matter up. Profit Services Group is trying to collect $ XXXX.My Provider is disputing this amount in which they said I owe only {$33.00}. We contact the XXXX  XXXX XXXX to help clear this matter up.
Mailings packet from American Express Gold Card does not provide any information about the rate of interest that will charged in the entire content included in the solicitation to apply for the credit card.
XXXX equifax refuse to remove these fraudulent trade lines from My credit report equifax refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also equifax refuses to remove XXXX and XXXX XXXX I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days