WillisBack/dataset-financial-user-claim huggingface dataset:
I have a satisfaction of judgment that was filedXX/XX/XXXX by Agency of Credit Control XXXX XXXX for a paid medical debt. I checked my updated credit report in XXXX of XXXX and it shows that Agency of Credit Control XXXX XXXX re-listed the accounts satisfied in the judgment as paid closed collection accounts, and stated they were closed in XXXX of XXXX ... over a year after they were closed. This caused a 77-point drop in my credit score. I already received a negative hit to my score when I got the judgment. Essentially, I was unduly penalized twice for the same accounts ... once when I got a judgment against me, and again when they re-listed the accounts in XXXX of XXXX. I reached out to the agency, and they said they do not update these records, despite being the agency making the report to the credit bureaus. The representative also stated, despite the debt being paid in full, that " had the matter been resolved with the original creditor back in XXXX, none of this would be an issue now. '' What this person doesn't know, is that I attempted to resolve the debt with the original creditor. They did not wish to negotiate an affordable payment, would not accept my multiple offers for alternative arrangements, and filed a judgment in court. I was charged more than double what I originally owed in medical debt to satisfy attorney and court filing fees for this agency. I have submitted a copy of the satisfaction of judgment, copy of the original court summons, a breakout of the amounts originally owed according to agency of Credit Control, email quoting the amount of my last payment to them with a receipt showing my final payment made, and my email communications with the XXXX regarding the re-listed accounts.
I just graduated from XXXX XXXX. Navient, as I was told when I first had XXXX XXXX services, I had six months forbearance. I even had gotten an email stating that I was " In School '' then the next stage was " Grace '' which generally meant I had to start generating profit as a member of society and get ready to pay back my debt. I have not yet walked acrossed the stage and they have sent me dozens of emails, " ca n't make payment??? Forbearance!!! '' " Ca n't make a payment? Call us we can help!! '' What happen to my grace? I sent a screen shot of the email they had originally sent me XXXX of 2017, and they asked if I was having issues making a payment.. there is no way I can give a cent to something that makes literally no sense! Please help.
Experian credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/XXXX. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/XXXX
The mortgage company, Ditech is refusing to consider modifying my loan in spite of the fact, as I have informed them of my loss of income and my XXXX. Since 2010 I have been going back and forth with them about this issue. It seems as if their only interest is for me to deed the property back to them, or for me to sell the house. 

I 've made attempts to have the HELP program assist me in this matter, but my mortgage company have no interest in trying to resolve this issue. 
When pressed, they have only given two reasons of their refusal to work with me. 
1. They do n't give modification to people that are working. 
2. Their investors wo n't give them permission to do a modification.
On XXXX/XXXX/XXXX we signed a lease agreement for a specific monthly payment of {$260.00} for 24 months. We payed the first installed by credit card to the dealership on the same day.The dealership sent in a different " signed " document with a first payment of {$330.00} to General Motors financial leasing. 
We are being billed for the different amount. 
We have sent the agreed to amounts to GM financial along with all supporting documents concerning the contract amount.
We have had several conversations and emails between the dealership and GM Finanacial.
We have been told by the dealership that the issue had been resolved, however GM has no record of it as of this date.
I have attached a chronological list of correspondence with the dealership and GM. 
Please note that we received a past due phone call from GM on XXXX/XXXX/XXXX even though the dealership and GM both stated that the first payment had been received.
Repeated calls, more than once an hour, on one occasion calls were 29 minutes apart. Three days in a row called 4 times each day ; four days in a row called 15 times.
XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job
I contacted National Credit Systems attempting to pay off debt until I found out I was a victim of identity theft. I called to inform XXXX XXXX the collections agent there and obtain identity theft paperwork only for him to fax and return only for him to continue to make threats. XXXX XXXX accused me of lying about being a victim and there is nothing that can be done to help me. I felt very offended by his actions. I asked to speak to manager and his manager said and did the same things. The manager even told me that there is nothing that well every be done to get rid of debt so deal with it.
XXXX, transunion, XXXX, has reported a fraudulent account on my credit report
On XX/XX/XXXX I sent a written debt validation letter certified to Hunter Warfield in regards to an outstanding balance from XXXX Properties. 

On XX/XX/XXXX I received a verification of debt letter dated XX/XX/XXXX from Hunter Warfield. On XX/XX/XXXX I contacted Hunter Warfield in regards to outstanding debt, and was notified that the account had been reported to the credit agencies on XX/XX/XXXX, during the 30 day Debt verification process. 

Account reported during Dispute period, which I believe may have violated my rights under the Fair Debt Collection Practices act and may constitute as fraud.
When I moved to  XXXX  ( from  XXXX  ) i n    XXXX   XXXX     , Infiniti Financial Serv ices ( IFS ) began charging me a 10 %   XXXX    sales tax on my monthly bill. A fter researching   XXXX   tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in   XXXX  . Since XX/XX/XXXX  , I  've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 %  XXXX  sales tax. I also contacted the  XXXX  Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in  XXXX . Even  XXXX  states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in  XXXX  applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut  ility trailers is taxable. I did n't purchase/lease this car in   XXXX    nor is my lease classified as a rental vehicle.
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I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!
New Complaint : We are responding to Wells Fargo Mortage letter dated XX/XX/XXXX with the Loan Modification Denial Appeal Form mark with bold numbers ( XXXX ) at the bottom of the page received on XX/XX/XXXX. 
For the record, the letters dated XX/XX/XXXX, authored by XXXX XXXX does not address this long standing issue with Wells Fagro Mortage of not providing us a denial letters in a timely manor from a number of Loan Modification Applications submitted. 
Additionally the copy of the XX/XX/XXXX letter in your XX/XX/XXXX mailing does not show or indicate which employee at Wells Fargo Mortage dispatch that letter to us. More troubling, the XXXX XXXX letter showed it was authored by XXXX XXXX. However our records show a letter ( see attached ) dispatched to XXXX XXXX on XX/XX/XXXX was still inquiring about our request for an Appeal after receiving a phone call from an undified person from Wells Fargo Mortage advising us our Home Affordable Modification Program ( HAMP ) application had been denied. More importanly the attched XX/XX/XXXX to XXXX XXXX followed by an XX/XX/XXXX letter to XXXX XXXX, the same deceptive employee who ignored all our telephone calls and correspondance, which you asking to contact, futher validate our continue furstration and distrust of Wells Fargo Mortage. 
While we are addressing the most recent deceptive behavior by Wells Fargo Mortage employees of creating denial letters for the Banks in-house records and intentionally not mailing it to us, our records show going back to XX/XX/XXXX, XX/XX/XXXX, the same fradulent activity existed. 
On a very important note, while Wells Fargo Mortage and its employees continues to mislead the State of California office of the Attorney General, and Consumer Financial Protecting Bureau ( CFPB ) with same in-house fraudlent letters created for the sole purpose of circumventing California Home Owners Bill of Rights. We as victims of such fraud will challenge legally any foreclosure sale initiated by Wells Fargo Mortgage against the property pursuant to California 's Homeowner Bill of Rights see ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. XX/XX/XXXX ). 

Considering the forgoing, we are requesting without further delay for Wells Fargo Mortgage to demonstrate good faith by resolving this long on-going issue which first originated in XX/XX/XXXX, when Loan Modification underwriter XXXX XXXX perpetrated a Bait and Switch Loan Modification on us.Additionally Wells Fargo Mortgage is violation of CFPB Dual Tracking as stated in the attached XX/XX/XXXX letter advising our home was in active foreclosure while numerous pending Loan Modification Issue have not been resolved.
I received a letter from Citi BANK on XXXX/XXXX/14 its stated that they would not refund my money on the circumstances that services were rendered but the initial complaint was not that they did not provide service but the service was provided did not do as they promised, please ask the bank to provide me with documentation of every attempt at resolving this issue with the merchant on my behalf. I am very upset and irate & I need this to be taken cared of ASAP.
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 and other furnished Lexis Nexis, XXXX XXXX, 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 address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Last year we refinanced our mortgage with New American Funding to pay off some debit and potentially drop our mortgage insurance. The beginning of the process was promising but that quickly changed. The loan officer we dealt with was XXXX XXXX, there were many problems with the loan, XXXX being they said they were not going to go forward with our loan after they charged the appraisal fee because our current mortgage company reported we were 30 days late. After speaking with XXXX and XXXX and I believe XXXX other person explaining we had never been 30 days late I had to take matters into my own hands. I printed my own credit report which shows perfect payment history but that was n't enough luckily a wonderful person at the current company confirmed I was correct. XXXX and his team made no effort to fix this simply wanted to call it a day and cancel loan. The loan moved forward, we wanted a fixed loan of course because its common knowledge that ARMS are not always a good idea but XXXX promised that because we were doing business with New American Funding which does everything in house, we would easily be able to refinance again in 6 months at no cost and streamlined into a 30 year fixed and he would personally call us in 6 months to make sure this is taken care of. We trusted him after much going back and forth with him and moved forward. Of course 6 months later we heard nothing, I contacted XXXX who referred me to another officer in XXXX beach because he had been promoted to sales manager or something to that nature. The man in XXXX informed me that what I described is not something they do I would have to do a new refinance which would include all the normal fees and it would n't benefit me so to just give it a year or so. In addition to these problems we also did n't receive the same amount of cash promised at closing and when I began asking questions I was told " it will all shake out in the end '' I will get additional funds in the mail from escrow, XXXX of course nothing ever came. This was our first time refinancing and am sorry this was such a horrible experience and feel as though we were taken advantage and probably was told anything to keep us going so he could meet a quota, after all he did get promoted very shortly after our loan closed. We are now forced to refinance again to make sure we can keep our rate low and locked due to our income and pay thousands more that we truly do not have. I hope others can learn from our situation and New American Funding can enforce integrity as well as better customer service with their loan officers.
When I got this loan I thought the fee charged was a one time fee. I didnt realize the interest rate was 400 %!!! Ive made 8 payments of {$190.00} ( {$1600.00} total ) on a {$1000.00} loan and still owe over {$700.00}. Ive paid over {$1000.00} interest and less than {$300.00} went to the principal.
Union Bank is operating a sneaky ruse to get people to open credit card accounts. They offered a balance transfer from a current credit card to a new credit card with their bank at 0 % interest for, I believe, 15 months. So I asked that XXXX of debt be transferred. Well, they didnt transfer any of my debt, but opened a credit card with a XXXX available credit. I wanted a balance transfer for XXXX or bust. Sure, they are now willing to close the account, but this opening and closing of a credit card is not good for my credit rating, and I resent them opening an account different from what I applied for. They didnt even transfer the XXXX available credit they awarded me. It was all just a ruse to get me to open a new credit card!
Have been trying to resolve a debt with XXXX XXXX XXXX XXXX ( XXXX ) but am unable to get anyone to help me. This debt was settled with Weltman, Weinberg and Reis LPA in XXXX 2017 and I have called XXXX at least 5 times only to be referred to their " legal team '' which then routes the call to Weltman, Weinberg, and Reis LPA who tells me the account is settled. Each time I call XXXX, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to Weltman. The people at Weltman, Weinberg, and Reis have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call XXXX XXXX XXXX. I am becoming very frustrated as I have not received any documents in the mail from XXXX saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with XXXX, Weltman, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.
Wells Fargo Home Mortgage has refused to directly address my loan concerns. Listed below are my concerns. 
1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. I never signed the Pick A Pay Loan Disclosure more then once. This is fraud that needs to be addressed. 
2. I am requesting if Wells Fargo Home Mortgage will accept a Affidavit for Forgery Signature from a Handwriting Exert. ( Please do not skip this question ) 3. I can supply to Wells Fargo Home Mortgage a Certified Affidavit by the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX. 
4.I am requesting Wells Fargo Home Mortgage also to do their own investigation because I never signed the Pick A Pay loan Disclosure XXXX on XXXX different dates. XXXX of those dates was impossible for me to sign on. 
5. I am requesting Wells Fargo Home Mortgage to use a handwriting and forgery document analysis for the Pick A Pay Loan. 
6. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
7. Will directly a Loan Modification application to : XXXX XXXX XXXX XXXX XXXX XXXX, CA.XXXX. 
8. Will you state what loan modifications or equity loans I am eligible for without submitting a new loan application. 

XXXX
My mortgage was sold on XX/XX/XXXX. My former mortgage company auto-debited a half payment on XX/XX/XXXX. This payment was debited for a closed mortgage account. The bank was not authorized to take this money. The bank sent me a letter in XX/XX/XXXX notifying me that the mortgage was being sold and that the auto-debit would stop.

I contacted the bank. The person on the phone agreed that this payment was not authorized and is sending to a " transfer '' department. It takes three to five business days for the department to review the activity.

The bank was not entitled to the transfer. The bank lacks the internal controls to ensure that payments are not auto-debited from closed accounts. The bank will not process a refund immediately. The payment was in excess of {$2300.00}.
There is duplicate reporting on my credit report for a home equity loan from XXXX XXXX and XXXX XXXX XXXX. The original loan was with XXXX XXXX who was bought out by XXXX XXXX. So the information is repeated twice which effects my credit score. The loan was eventually paid off in full ( {$180000.00} ) five months late. There is no balance. XXXX has XXXX XXXX reported correctly. However, XXXX Bank is incorrect and should be removed. Experian is also duplicated. XXXX should be removed and corrected. XXXX XXXX should show a XXXX balance and reflect paid in full. 
XXXX also reported XXXX XXXX and XXXX XXXX but the information is correct, XXXX should be removed. I hope that was not to confusing. Please see attached. I have additional paperwork if required.
EOS CCA has called my work extension roughly XXXX starting at XXXX and typically again at XXXX via robocall. When I called back they would not disclose type of debt or whose debt, simply stated that I owed a debt based on the phone number ... .I have asked them to remove this number from their autocall as it is a new work extension but I continue to receive robocalls. EOS CCA 's number is XXXX
I am a member of XXXX XXXX and I just tried to link my accounts. When I went to add my credit card account It said I was blocked from getting access to my personal banking records. Which of course is my right to have that information after asked for it. 
Thank you for your time, XXXX XXXX
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  UNITED REVENUE CORP  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
XX/XX/XXXX I entered into a Modification Agreement with RBS Citizens Bank, in which I promised to repay the outstanding balance over 30 years at a fixed rate of 5 % APR. My principal balance of {$99000.00} would be payable over the next 360 months in equal payments of {$530.00} which includes any interest accured during the billing cycle. My first monthly payment at this new amount would begin XX/XX/XXXX. 
I have now made XXXX monthly payments of {$530.00} of which none of the payments are going to my mortgage. Citizens Bank has added on to the agreement an " accrual adjustment '' of {$6400.00} and also are charging me a " Discharge Fee '' of an additional {$28.00} every month. None of these charges are in my agreement or ever talked about. 
When I contacted my branch in XXXX as to what was happening, they made several phone calls of which nobody seemed to know what to tell me. Another phone call was made when I approached the bank the next month because I did n't hear from anyone. After doing this for several months, I finally got a call back from Citizens Bank and was told I would hear back within 24 hours. As of XXXX XXXX @ XXXX, I have never heard back from the bank. 
XX/XX/XXXX my attorney filed a formal " Notice of Error '' pursuant to XXXX XXXX and have not had a response to this Notice of Error from Citizens Bank as of this day, XX/XX/XXXX. 
I need your help again ... At XXXX years young XXXX, I do n't need this horrible treatment from a bank that I have been a customer for the past 32 years. This bank advertises " We 're committed to you '' ... ..I do n't know who " you '' is but it certainly has n't been me.
The following collections agencies are listed on my credit report with no permissible purpose as per 15 U.S. Code 1681b - Permissible purposes of consumer reports. LTD FINANCIAL SERVICES XXXX, TX XXXX ( XXXX ) XXXX