WillisBack/dataset-financial-user-claim huggingface dataset:
Good afternoon, My name is XXXX XXXX, I opened a case with Ombudsman about two years ago ( in XX/XX/XXXX ) in regards to inquiries on my XXXX XXXX and XXXX/Department of Education Loans. During this time, I was provided some incomplete payment details that included an account number that was literally blacked out with a permanent marker, inquiries about payments that were not applied to my accounts ( with my bank statement printed out for proof ), the fact that my Stafford Loan Disbursed balance was showing as a XXXX balance but I was continued to get charged the same amount or more than what I was initially paying on a monthly basis. 

The last email that was sent which was never returned, was on XX/XX/XXXX @ XXXX XXXX. 

I 've seen correspondence in regards to XXXX 's negligence for over charging the consumers and I wanted to make sure that my case was documented as an example. 

For the XXXX/Department of Education payments, my initial balance after my graduation in XX/XX/XXXX was around {$420000.00}, in which I was set up on a payment plan of around $ XXXX monthly being drafted out of my account and Ive never had a late payment since this draft was created. As of today, my loan balance is over {$53000.00} and every time I ask for an itemized statement of events historically ( i.e. how much was paid towards principal, interest, capitalized interest, etc. ) that explains how my disbursements occurred, Im never provided this information in its entirety. I have bank statements to support my claim, but I can never get the holistic balance history for my records. I 've tried contacting the Department of Education locally in the XXXX area for insight, I 've reached out to my Senator via snail mail, and I 've contacted my Lendors multiple times all to no avail. 

I have all of the documentation that was requested from Ombudsman printed out and saved as a PDF document for reference. Also, I have bank statements that shows remittance for each my student loans.
In XXXX I was injured while XXXX XXXX. I was treated at a local hospital and released. Due to paperwork problems, the XXXX XXXX XXXX via XXXX did not pay the hospital. The debt was sent to a collection agency. On my own behalf I contacted the VA and obtained assistance in getting the hospital properly paid ( morally, the right thing to do ). Myself and the collection agency in question received a copy of the letter I will be attaching indicating the hospital was paid and further stipulating that the debt was never mine to begin with, and that I can not be held responsible. The letter further directions the collection agency to remove the collection attempt from my credit reports. I had to follow up with XXXX several times to have the collection finally removed. The debt was apparently sold ( invalid as it may be ) to a creditor that contacted me in XXXX attempting to collect on this debt. I sent them a copy of the letter and requested they close this collection attempt. They said they would. I have now been contacted a third time this year. However, I must report that the agency that contacted me did so " on behalf '' of a collections agency in another state, Cascade Receivables Management. The agency that contacted me was XXXX XXXX XXXX XXXX. They refused to identify on the phone as a collection agency, claiming they are a " negotiations firm ''. They continued to refuse to identify unless I identified who I was first, even though they were calling me multiple times. They further refused my verbal request that they send proof of the debt. I then contacted Cascade and requested written proof of this debt. This occurred on XX/XX/XXXX. To date, I have not received anything. This collection/false debt has been following me and causing me untold XXXX and grief, especially whereas my credit is involved. This XXXX XXXX also called my wife, despite having my contact information. They refuse to leave any voice-mails when they call. I do not know how to get relief from this situation. It is my belief that when I send proof that this is an invalid debt, they will simply sell the account and this nightmare will begin all over again and follow me for the rest of my life.
I purchased a home XX/XX/XXXX and took out a mortgage with a 30 year term from Wells Fargo to finance this purchase. I refinanced with another lender in XX/XX/XXXX. I recently received a refund from my Wells Fargo Escrow account in the amount of {$150.00}. I believe I am due much more than this amount as explained below. 

Wells Fargo collected a total of {$5800.00} from me to cover my escrow account expenses. 
Below is a list of the dates and amounts of each escrow payment I made to Wells Fargo. 
XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXXWells Fargo escrow payments on my behalf XXXX {$1400.00} - XXXX and XXXX {$1400.00} XXXX XXXX Tax XXXX {$1100.00} - XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX and HomeThe payment of {$1400.00} to XXXX XXXX on XX/XX/XXXX should not have been made. I switched insurance carriers from XXXX XXXX to XXXX XXXX XX/XX/XXXX and notified Wells Fargo of that. Wells Fargo paid my XXXX XXXX premium of {$1100.00} on XX/XX/XXXX but also paid XXXX XXXX {$1400.00} six days later and apparently expects me to cover this payment. Total legitimate Wells Fargo expenses were {$4000.00}. My escrow overpayment was {$1800.00} which I 'm requesting Wells Fargo refund to me. 

When I refinanced the mortgage XX/XX/XXXX the total loan amount I owed to Wells Fargo was {$110000.00}. The payoff total they supplied to my new mortgage company was {$120000.00}. This resulted in an over payment of {$1200.00} to Wells Fargo which I 'm requesting Wells Fargo refund to me. 

The total amount due me is {$1800.00} Escrow Payments {$1200.00} Final loan payout $ XXXX {$150.00} = {$2900.00}. 

I 've attached the following:1. My XX/XX/XXXX mortgage statement from Wells Fargo showing the remaining amount due of {$110000.00}. My HUD Settlement statement showing a payment of {$120000.00} to Wells Fargo. 
3. A Wells Fargo Account Activity statement detailing the same payment. 
4. The Final escrow account disclosure from Wells Fargo.
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX is fraudulent and has no merit or basis in my credit report.
In XX/XX/2016 I traded in a XXXX Toyota Prius for a new XXXX Prius at an APR of 1.9 %. My payments were approximately $ XXXX/month. Today I looked on line at my account. Toyota 's system was down today but there was information available that I had not seen before. There was a schedule that showed my payment broken down by 1-payment, 2-principle, 3-interest. The interest was {$43.00} per month for the payments that I have made. This does not calculate to 1.9 %. This is not seen in the restarted Toyota webpage. I looked at my contract and there is a statement saying that I am paying " simple '' interest. This is defined in the small print. What I discovered was that there is an amortization schedule that shows what the quoted APR of 1.9 % is if the loan is carried out to the end of the 60 months. Most of the interest is front loaded just like a home mortgage. This is not disclosed at the time of sale and no amortization schedule is offered at the sale. In fact the only amortization schedule is a sample one on their webpage. I am concerned that this is a way that Toyota is causing people to unknowingly become underwater on their account when they go to sell/trade in their cars before the end of the contract, especially in the first 3 years of the contract when the actual percentage of the financing can be as high as 10 %. Toyota does not say that the 1.9 % APR is calculated over the lifetime of the loan, not as is implied as a yearly APR. Incidentally XXXX discloses on all their monthly statements the amount of money going towards principle and interest. Toyota does not. These types of loans require disclosure of an amortization schedule at the time of home purchasing and the automobile companies should be held to the same standards. Unfortunately I do not have screen captures of the Toyota webpage when it was not functioning correctly.
There was a withdrawal from my escrow account in the amount of {$1300.00} and the loan servicing company, XXXX, does n't know why the disbursement was done nor do they know where it went to. This occurred on XXXX/XXXX/2014 and I have called them monthly ever since but with no success on getting them to credit my escrow account. They even acknowledge the mistake but will do nothing to correct this. Now my escrow account has a shortage and they have also increased my monthly payment because of this. I have requested to speak with supervisors or a manager but I have n't had much success getting one to return my calls. I seek your assistance in this matter before I have to seek legal action.
XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature
I submitted a complaint yesterday, XXXX, against Ocwen Loan Servicing center and I forgot to put important info. in my complaint. It is reference to my property at XXXX XXXX XXXX XXXX Pa. XXXX. The loan number with Ocwen is XXXX. I am the owner of the house, XXXX XXXX XXXX, The last XXXX to my ss # is XXXX. My phone no. is XXXX and Ocwen 's phone number is XXXX. They are not releasing a satisfaction letter to me on the property of which I have a XXXX balance. And they collected thousands of dollars unlawfully from me for approx. 10yrs. from a bankruptcy case that I was discharged from. I have documents from Ocwen stating that the debt was forgiven and charged off, but they continued sending me bills of which I was paying not knowing that that debt was charged off because Ocwen took over the original creditor ( XXXX ) which I did not know. I had XXXX buyers for the house but since the title search came back with a lien, I can not sell the house until it is lifted. I have been fighting with ocwen for months now to resolve this issue and can not get any results.
I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX
{ debt Collector Agency ) Lazega and Johanson locate at XXXX XXXX XXXX, Ga ( XXXX ) XXXX I received a letter from them stated that I owe my HOA in the principal balance of XXXX but they added fees and court fee equal to the amount of XXXX. I requested a payment plan with them. I already payed them XXXX, XXXX. I have missed a couple of payment as a result they send court paper to my tentants in the amount of XXXX as a rent garshment I still wanted to work with them. I then told Ms. XXXX XXXX the person that I also contacted regarding the matter. I told her that its not right that They keeping adding fees that it against the Fair trade Act. She knowledged that but say so, I then asked for a settlement, she wrote me back with the amount of XXXX. She say that the company is only going to accept a settlement on that amount, nothing else. I said where does that amount come from. She said they added post judgement balance of XXXX was added to the amount. She received to answer my calls. I said the balance was 3, XXXX How come Iam paying 2x as much. They told my tentant to go to the court to pay the rent to pay the rent to them as of XXXX XXXX. I called the HOA and told them what was happening. They told the HOA that I have a payment plan with them which is not true. They have not submitted any paperwork to the HOA showing my payment history. They didn't even forward my request to settle with them.
Account fell behind due a financial hardship situation but I made a agreement with them to setup a payment plan to bring the account current and the payment has already cleared the bank but yet they still call me 10+ times a day 45 mins apart sometimes 2 mins apart from the first call for the past two days now I called them last night and told them to take me off the list that we have an agreement and they told me I was off the list but yet again the calls started again XXXX and have n't stopped I 've been called almost 10 times before noon
i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. 
now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. 
if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. 

i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. 

first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? 

anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to my credit report
On XX/XX/2019 someone tried to buy a car at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX  dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Regions Bank holds the mortgage on my home. I applied to Regions Bank for a refinance loan. Regions put in in touch with a loan officer, XXXX XXXX XXXX. In my initial conversation, I disclosed to him which loan I wanted and our financial circumstances. Based upon this, Regions knew or had reason to know that I could not qualify under the requirements of the loan which I sought. This is the case despite the fact that we have excellent credit and financial resources. Today, over 90 % of loans are sold to XXXX XXXX or XXXX immediately after securitization. These two XXXX then issue securities guaranteed by the full faith and credit of the XXXX, either through securitization or as covered bonds. We fail to meet the income and debt ratios for the loan under XXXX XXXX XXXX guidelines. 
In this case, Regions was only prepared to make a loan conforming to these guidelines. I was informed of none of this. Instead of informing me of this by " prequalifying '' me for the loan based upon my verbal representations in relationship to the guidelines, Regions issued a full loan disclosure document. XXXX XXXX then asked me to submit detailed financial documentation to substantiate my representations which I did. Subsequently XXXX XXXX requested me to submit additional documents and had me increase the monthly distribution paid from our trusts and documentation confirming that this amount had been paid into our Regions ' checking account. The entire process took more than XXXX months and a significant amount of my time. 

Even at this point, no one bothered to inform me that based upon the documentation submitted I did not meet the underwriting requirements for the loan. Instead, I was asked to pay {$400.00}. for an appraisal to secure a loan that would never be made. Only after payment was made was the documentation submitted for a review by an underwriter who belatedly started the process leading to my being informed that I did not qualify. In short, Regions wrongfully caused me to spend {$400.00}. when either they knew or should have known that the loan would never be made. 
This is a wrongful consumer abuse. Apparently, the procedure described above enables Regions to make more loans with a lower overhead. Most banks have licensed mortgage brokers taking applications who will inform a customer right away if the customer fails to qualify for the loan under its specific underwriting requirements. I do not believe that the consumer should be stuck with the bill because Regions has changed the way this type of transaction is customarily handled without first disclosing this to the customer. Regions, at a minimum, should either conform its procedure to the customary way other lenders take loan applications or make prior written disclosure to a loan applicant that fees will be collected without prior prequalification of the customer.
Wells Fargo, was contacted several times regarding a debt on my credit profile for {$3500.00}. 1 ) Provided the identity theft report/documents 2 ) Proof of resident and employment in VA ; therefore the account was open in Florida ... 3 ) Contact Wells Fargo again, again and again ; the retaliation was placing this derogatory information with XXXX XXXX XXXX ( XXXX ) and they are asking for {$380.00} to investigate. 4 ) My bank account was closed because of Wells Fargo. <P/>Please advise.
XXXX XXXX # XXXX****This information has been re-inserted and re-aged. Please Delete.
Had taken out a loan with Spotloan XX/XX/2016. I stopped paying on the loan because I no longer could afford the payments. After consulting with an attorney, she suggested that I file a complaint against this company for violations of the FDCPA and Rosenthal FDCPA as she determined that this company along with his prior collection companies, engage in serious collection violations which has caused me and my family a great deal of distress. The individuals representing this company bullied and intimated me as well as called me on numerous occasions threatening legal action, wage garnishment, etc. if I did not pay this debt and refused my requests to contact my family members, called me a " deadbeat '' and other defamatory comments and threatened to continue to call my family members despite my request until I paid the debt. I also received multiple calls from their " process server '' who called me as well as my family members threatening to serve me with papers even though no law suit was currently pending. The collectors left messages with a case number which did not exist in the court system according to my attorney. In addition, my family members were repeatedly called by this company even though they knew how and where to reach me. The distress over the repeated contacts, threats and harassment to me and my family coerced me into making a {$200.00} payment last month that I could not afford. This whole incident finally led me to contact an attorney to represent me in this matter and who also directed me to file a complaint with the FTC as it is her opinion that this company engaged in borderline criminal and unlawful debt collection tactics. I 'm filing this complaint in the hopes that this company can be stopped and put out of business so as to not put any other people in the situation that they put me through.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
My credit card is supposed to have travelers insurance. During hurricane Irma, my trip got cancelled. I was able to file a claim with the airline directly and get a refund for that. 

My hotel on the other hand, I could not get a refund, they could only offer another date during the year, which at this point wasn't really an option for me since I am now overseas. 

I filed a claim with my credit card and submitted all the documentation required. They still said I was missing documentation and I could never get a clear answer. It seems like they closed my claim at this time. 

There was plenty of documentation I sent, that I don't really have access to at this time, but the documentation being submitted here, should be sufficient enough to show my case.