WillisBack/dataset-financial-user-claim huggingface dataset:
I have a current complaint on file number XXXX. The original complaint was against a countrywide home loan number XXXX address XXXX XXXX XXXX XXXX, XXXX, ca. XXXX. I was offered a trial payment plan and have attached a copy of the terms, after now completing the trial payment I have been offered a permanent modification that must be signed and accepted by XX/XX/XXXX for the offer to remain. I have attached a copy of the offer. My issue is the new offered principal balance is double the value of the property both the bank BPO appraisal and current comps concur. The bank states I owe a past due interest of {$350000.00} and Taxes and Insurance of {$100000.00} the total being {$450000.00} this amount was based on the original 10.35 % in addition the bank foreclosed on the property after the original repayment to modification agreement they failed to honor. The house was not owned by us for over 6 years we had no negotiating power and this amount also includes inflated forced insurance placed on the property and a reassessed tax that we were not responsible for. The end of the new offered modification states that the modification terms are based on a 40 yr loan and 2 % rate but my original loan will be due on the original maturity date in XXXX, XXXX ( 20 Years ) at which time I will have a final payment due they stated also known as a balloon payment of {$620000.00} not included any estimated additional interest. I feel the bank should dismiss the amount of {$450000.00}. This loan should be restructured based on countrywide non fulfillment of the original repayment to modification. I would have not been responsible for such a high interest and would have had the power to negotiate and access program and other assistance. I will have difficulty with accepting the terms and feel backed against the wall. This is not fair to the consumer, I am now after the death of my husband due to the stress of all this am a single mother. I had to go through hoops faxing, calling, uploading and following up just to be denied and had to appeal the decision because to get this modification, because once again my paperwork was in several different areas. In one day I received XXXX different packages from Bank of America. I would receive a call from a XXXX stating they had all documents and then a packet the next day saying documents are missing. I had XXXX calls in one day from XXXX different reps all claiming they were the point of contact. This process has become De Ja Vue, from what I went through before. I also was made aware after accepted the terms of the Trial that my credit could be adversely affected. How is this so? I was already foreclosed on XX/XX/XXXX after I made repayment to modification payments after filing chapter XXXX I reestablished a decent credit score. Now they get to screw up my credit again. Please help!
In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. <P/>I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. <P/>Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.
On XX/XX/2016 I became aware that I may be a victim of identity theft. Upon my having my credit pulled here locally, I was turned down and immediately called the XXXX credit bureaus. Apparently, a Discover credit card amongst several other accounts with multiple vendors, was opened under someone using a different name ( s ) while using my social security number and date of birth. I also came to find out that this account was opened in XXXX, Texas to which I have never lived nor ever frequented. I have consistently lived in the XXXX XXXX area for XXXX consecutive years now. I have since disputed this account with XXXX, XXXX and XXXX and felt it prudent to also contact Discover using this venue. I have never had an account with this bank in my entire life.
I had a XXXX loan and it has been passed through hands many times. At this point BSI Financial Services has my paper. There is an agent that has been recently assigned to my case and he sent out an independent contractor to put a padlock on my front door without any due process. I have a tenant in the home and he can not get inside. BSI financial services whom I have been in discussions will not return my calls and I have not been served any documents to substantiate their actions. I was in negotiations with BSI to arrange a cash for keys or a possible restructuring of my loan and they will not return my calls.
I received a summons from Bernhardt and Strawser , P.A . delivered by XXXX county sheriff XXXX XXXXXXXX, notifying me that they represented XXXX XXXX. To the best of my knowledge, I had opened a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. I closed this account on XX/XX/XXXX. Upon researching my credit report, I found an update on this account, which shows {$0.00} balance and the account ( s ) with XXXX in good standing. 
Bernhardt and Strawser , P.A . alleged that I owed them approximately {$4900.00} from a XXXX credit card. I never received any proof that I had an account with Bernhardt and Strawser as a consumer to repay a debt, nor any information of how they arrived at this number. Nevertheless, I contacted them several times to try and work out a settlement, which they agreed to a lower settlement. Then I eventually received a writ of execution by the same sheriff notifying me that I owed Bernhardt and Strawser , P.A . a total of {$6400.00}. They levied both my business and personal bank accounts and I had to fill out an exemption form for the court. After doing some research, it appears that Bernhardt and Strawser , P.A . may have illegally obtained my information and even if there were debt that was originally owed to XXXX XXXX, it has long since passed the statute of liability in the state of North Carolina.
my wife lost her job I missed a pymt. the mortgager called ask what was going on they said the would give me a Forberance for a year then when the year was up we would do a Loan Mod. as of XXXX of 2015 been putting in apps for a loan mod it takes like almost 3 months per app and I was denied everyone of them! its like they told me it was a done deal that I would get a mod that the only reason I did the forbarence! then in XXXX of 2015 after the last denial, and they do not accept pymts when I 'm trying to get a loan mod!! they Tell me that they were sorry But I was ever even Eligible for a Loan Mod!!!! so now they want {$9500.00} in Full plus what ever other charges they have!! I think this whole thing was wrong what wells fargo did to me!!
In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. 
The problems with the subsidiary GMAC Mortgage/XXXX XXXX. 

I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.
I had called into my bank o verify that my account was closed and to find out if they mailed me my cashiers check for my remaining balance. I was told many different answers and also several things i need to do to get my funds released to me. Prior to my bank account being closed I had requested to be able to go into a local branch and have my account closed right then and there. I was told I could not because my account was already in the process of being closed. My account was to be closed before XX/XX/2017. And I was advised numerous times by several different customer service reps that once my account is closed they will issue me my cashiers check. So when I contacted US bank inquiring about my funds and if a cashier check has been sent I was told I'd have to go to my local branch to get the funds released to me and that they would be able to send my funds which was placed in a recovery account directly to the branch that day. The department that advised me this was the security department. So then I was upset because first they said I cant go into my branch to get my funds and now they are saying I can. It has been a waste of time back and forth with US bank being told different things. The remaining funds in my account have been cleared since XX/XX/2017. The funds were and have been available. But I am getting the run around about getting my funds released to me. I decided to call US bank again to make sure that I would not be wasting more time taking off of work to go to the branch i wanted a direct answer that what the rep stated in the security department were correct. So I spoke with the main customer service and was told that none of this made sense and they didn't understand how I would be able to withdrawal my funds when my account has been closed. So they transferred me to the security department again and I was old that I have to go to the local branch and it would be up to their discretion to release my funds. And that I still would have to wait for the funds to be sent to my branch. This does't make sense what so ever. I was under the impression that maybe this is all happening out of spite because I did already file a complaint about having to wait for about a month for US bank to close my account. Which because of this I am now in the process of being evicted from my apartment because US bank wouldn't release my funds. I've had it with all the run around excuses with US bank I am a normal person that is employed has a family. I am not rich I work living paycheck to paycheck to support myself and my family. The fact that my funds are still being held in some other account for what ever reason it is, this just is not right. I was told by many different customer service staff that once my account has been closed my funds will be sent to me within 5 to 10 days. All I want is my funds released to me. I do not want to have to take off of work to waste more time for US bank to give me the run around..
XXXX is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided XXXX with the " proof '' & to contact XXXX. I called XXXX on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.
I have contacted a person for apartment, she is asked me to send the deposit then I have her deposit in three transactions through XXXX Transfer, later she is answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA
I had financial issues and had to stop paying on bills other than necessary bills. I made a few payments toward the loan but seems the principal only decreased by less than XXXX or so. My loan amount was XXXX and now i receive a collection notice for almost XXXX. I made a XXXX payment on XXXX only XXXX went toward the principal leaving my balance XXXX, on XX/XX/XXXX XXXX payment only XXXX went toward the principal balance XXXX and on XX/XX/XXXX made a XXXX payment XXXX toward my principal and balance was XXXX. How is this possible if i have made payments toward my loan? They call both my and my XXXX year old cell phones all during the day. And i have not given them permission to call any cell numbers. I want them to stop calling me and my daughter cell or any other number they have on me.
XX/XX/XXXX, XXXX Debt Settled in a lawsuit by attorney XXXX XXXX XXXX with XXXX XXXX on behalf of XXXX  XXXX XXXX XXXX in the amount of {$750.00} ( original amount $ XXXX- cancelled check available ) XX/XX/XXXX - XXXX removed/deleted their entry of {$1100.00} from all credit reporting agencies as this debt was satisfied. ( Email available ) XX/XX/XXXX, I refinance my home only to receive a higher interest due to the fact that Ability Recovery Services , LLC ( ARS ) has added this debt of {$1100.00} back to my XXXX Credit report. 

XX/XX/XXXX, I applied for an loan as was denied the original amount request and informed that I needed to include the collection debt of {$1100.00}. 

I have been disputing this debt on and off since XX/XX/XXXX to current. 

XX/XX/XXXX I contacted XXXX  XXXX XXXX XXXX who informed that XXXX XXXX is their collection agency. I was referred to this collection agency as the debt was closed in XXXX XXXX XXXX XXXX and that they actual showed I was due a refund for overpayment. 

XX/XX/XXXX XXXX XXXX representative for XXXX XXXX  informed me that the debt was settled and that notification was to Ability Recovery Services. ( Group # available ) XX/XX/XXXX XXXX XXXX XXXX has failed to comply and has now added this collection debt of {$1100.00} to my XXXX Credit File in addition to updating it on XXXX. 

I am seeking the maximum amount in punitive damages of {$1000.00} per section 616 of the FCRA for this collection aggressive measure to collect on a debt not owed and continues to ruin my credit worthiness. 

I have emails, cancelled checks and legal supporting documentation to support my claim.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX To Whom It May Concern : I am writing this letter regarding Auto Dealer Fraud and Credit Application Fraud for XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. In XXXX of XXXX my sister purchased a vehicle from XXXX XXXX where originally I was going to cosign on the car, however the sales representative decided my credit was stronger and placed the loan in my name unbeknownst to me. I never signed any documentation or even visit the location and had no idea about the loan until XX/XX/XXXX when I received a call regarding late payments. I explained that I had not financed a car through them and that the car belonged to my sister, I never signed anything so how do I get this handled. I was forwarded over to a supervisor by the name of XXXX XXXX who immediately recognized the signed contracts had been forged because all the signatures looked the same, she forward me the contract and advised to have my sister call in to refinance in her name. I spoke with my sister and she assured me everything was taking care of. I happened to pull my credit report and saw a repossession on my report, I called the finance company immediately and was advised even though she still had the car, because it was repossessed and she retrieved it back it would stay on my credit for seven years I advised them the car should have been removed out of my name and placed in hers because I never signed any documents, I was advised that once she completed the payment arrangement and get back in good standing they would refinance the loan in her name. To date that have not occurred and is still reporting negatively on my credit report. I never signed a contract, I never been to that dealership, I was never told about the loan or the terms regarding the contract and the finance company is well aware of the fraudulent act and did nothing to rectify the situation and continue to report negatively to the credit bureaus. I am pleading for your assistance in getting this matter handled. 
Sincerely, XXXX XXXX
On XXXX XXXX I received a BALANCE DUE NOTICE to renew my home insurance policy ( XXXX to XXXX ) from XXXX XXXX XXXX company.This notice also indicated that Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for the balance due.On XXXX XXXX XXXX sent me a NOTICE of CANCELLATION of my home insurance policy effective XXXX because the BALANCE DUE AMOUNT billed to Bank of America ( XXXX XXXX XXXX CALIFORNIA ) was not paid. Thereafter a letter was mailed to me from Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ), dated XXXX XXXX, it stated that my home insurance policy coverage has expired and they do not have an evidence that I obtained a new coverage. I was instructed to immediately provide evidence of a new home insurance policy coverage or they will pay for the new coverage which will be more expensive for me. I contacted the Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) and informed the representative ( XXXX ) that my ESCROW ACCOUNT with Bank of America ( XXXX XXXX, CALIFORNIA ) is responsible for my home insurance policy payment. The following is the representative 's response to me : ( 1 ) I am no longer with Bank of America ( XXXX XXXX, CALIFORNIA ). ( 2 ) My account was transferred to Bank of America ( XXXX, FLORIDA ). ( 3 ) My monthly mortgage payment is low so I should be able to afford paying for my home insurance policy coverage.I question the representative why I did not received a notification of this transfer.He apologized and strongly insisted that I pay and obtain the new home insurance policy. I objected. Afterwards, Bank of America INSURANCE DEPT. ( XXXX XXXX, TEXAS ) sent me a SECOND and FINAL NOTICE, dated XXXX XXXX, notifying me to obtain the new home insurance policy coverage or they will provide it at an expensive cost to me.And they did. A Bank of America INSURANCE DEPT. ( XXXX, TEXAS ) letter.dated XXXX, that I received notified me that they have acquired the new home insurance policy coverage including the proof of coverage and how much more I have to pay them. According to Bank of America INSURANCE DEPT. ( XXXX. XXXX, TEXAS ) my account was transferred from Bank of America XXXX XXXX, CALIFORNIA to Bank of America XXXX, FLORIDA. However, I received a letter from Bank of America XXXX XXXX, CALIFORNIA, dated XXXX XXXX, informing me that my ESCROW ACCOUNT payment will increase, hence, my monthly mortgage payment also, effective XXXX XXXX ( from {$1200.00} to {$1500.00} ) .They also provided a copy of the SUMMARY of my XXXX ESCROW PAYMENTS and REIMBURSEMENTS which confirm that they paid the ANNUAL PREMIUM AMOUNT to RENEW MY HOME INSURANCE POLICY COVERAGE on XXXX at the amount of {$1400.00}. I do not really know who to believe and what to do now. I am a senior citizen and an XXXX veteran. PLEASE HELP!!!
I have no idea what this is even about. I have attached the email and the email attachment that was sent to me.
I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices.
Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( Equifax ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX  ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
In XX/XX/XXXX, I spoke with Equifax regarding the date of removal for a Tax lien on my credit report. I was told that the tax lien would be removed in XX/XX/XXXX from my credit report. I contacted Equifax in XX/XX/XXXX, and was then told that it would have to stay on my account for up to another 3 years, I then called back, and spoke with another person, who again told me that it would come off my credit report in XX/XX/XXXX. I then called back in XX/XX/XXXX and was then told that it would stay on my report for a total of 10 years from the date it was issued. At the time, my credit score was XXXX ( XX/XX/XXXX ), but in XX/XX/XXXX it dropped to XXXX without any explanation. There were no additional credit issues at that time. They also have blocked my number, so I can not file a dispute.
my equifax credit report dropped 57 points overnight. The report stated that I had been late 9 times with an XXXX account. I contacted XXXX, they stated that I have been on time with the payment ( taken out of my checking account each month ) since 2012 and I am actually ahead on the account. XXXX did not send any negative information regarding the account. 

On the equifax account marks in a calendar format that I have been late on a loan, but on another equifax document shows that I have not been late on any loan. 

XXXX XXXX showed in their credit report that everything was fine and my credit actually went up 3 points. 

It should be an easy fix. I have not been late paying any of my accounts. 

Thank you for assisting me on this frustrating issue. 
*I do not have any documentation because I have never received any late notices on any of my accounts*
I was attempting to make a {$10.00} purchase through PayPal. Once the transaction was completed, I received an email stating " Welcome to PayPal Credit ''. I immediately ( same day, within an hour of receipt ) called PayPal Customer Service who informed me that this was a line of credit that had been opened in my name and that PayPal had completed a hard credit inquiry to open the line. I informed them that I had not authorized this inquiry and had no interest in the line of credit. They informed me that the inquiry was completed and there was nothing that can be done. A quick XXXX search on this issue turns up numerous sites and forums of others who accidentally ended up with inquiries related to a PayPal Credit Line when they did n't want such a credit line. I am an extremely credit-conscious consumer ( credit score over XXXX ) and feel scammed and defrauded by the lack of transparency experience here. Thanks in advance for any assistance you can offer.