WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a XXXX form for tax year XXXX from Wells Fargo indicating that I had been charged for mortgage insurance and real estate taxes. This form is for a house I no longer own. Its foreclosure was recorded XX/XX/XXXX, in Volume XXXX, Page XXXX of the Town Clerk 's Land Records in XXXX, Connecticut. 

The XXXX indicates that I paid {$1900.00} in real estate taxes to the Town of XXXX for this property, which I did not. It also claims that I paid {$840.00} in mortgage insurance premiums for this property, which I did not. 

For over a year, Wells Fargo continually invoiced me for homeowner 's insurance on this house. They only stopped when I filed a complaint here. That complaint number was XXXX. 

I am concerned that the filing of this XXXX with the IRS may create difficulty and confusion for the IRS when I file my XXXX taxes. More importantly, though, Wells Fargo, after repeated requests on my part for the organization to cease all contact with me, after my specifically informing their representative last time ( from Case XXXX ) that I considered such continued contact to be both detrimental and abusive considering the personal difficulty that was my foreclosure experience, will not cease its continuing harassment of me regarding this property. Chapter XXXX bankruptcy has discharged all financial obligations I had regarding this property, and the XXXX XXXX Superior Court sustained an objection by my attorney to Wells Fargo 's motion for deficiency judgment, which had the effect of ending Wells Fargo 's pursuit of deficiency judgment against me. 

In addition to having Wells Fargo send a correction to the IRS noting that its filing of a XXXX on my behalf was an error, I want Wells Fargo to never, ever contact me, for the rest of my existence on this Earth, regarding any matter whatsoever, but especially regarding this property. I have utter disgust for this organization for its continued haranguing of me regarding this matter, which according to the law, thanks to bankruptcy protections and the end of foreclosure proceedings, I should not have to endure.
Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute ,XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Wells Fargo offered {$100.00} for opening an everyday checking account by XXXX XXXX and fulfilling certain requirements ( XXXX debit card purchases or a total of {$500.00} in direct deposits received within 60 days ). Wells Fargo is now telling me I am not eligible for this promotion, saying it ended XXXX XXXX, which is not true. They have since removed the offer from their website, but the offer code was XXXX.
I tried using the XXXX system to get credit reports online from Equifax for my wife and myself today and a year ago. The Equifax site returned : " Online Delivery Unavailable. We are not able to deliver your free Equifax Annual Credit Report online. '' along with info to mail a form to get the report mailed to me. 
I was able to get online reports from XXXX ( today XXXX & XXXX in XXXX. 
Equifax should tell us why our reports are not available online.
I have submitted a Complete modification package to Ditech and on XX/XX/2017 I was denied. I do not agree with the denial letter due to incorrect Income. On XX/XX/2017 i submitted a appeal and request for a second review of which was properly sent and received. I do not agree with the modification decision and my denial letter states that i have the right to appeal the decision within 30 days of the denial letter. I have complied with all the terms of the denial letter and have submitted my appeal to Ditech, however Ditech have not responded to the appeal and have purposely disregarded my loss mitigation assistance appeal and are proceeding with the foreclosure of my home on XX/XX/2017.
Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.
I have Capital One XXXX XXXX. I had used this card for a airline XXXX XXXX XXXX ticket purchase. Our trip was cancelled. The airticket has XXXX parts - XXXX for airfare and another one for luggage. We were suppose to get the {$60.00} luggage fees back from Capital One. We filed a dispute with Capital One. It went for a while - we provided all the required documentation to support our case. Capital One can not do much. Dispute was closed. 

I relocated from XXXX AZ to XXXX TX. 
Now when i logged into my account after weeks - come to know that I am subject to late fees and interest on that? What???? 
When capital one sent me any statement? When i logged in there was no way to chat with anybody. It was all so confusing ... it seems capital One refunded our dispute amount first and later took it away from us. We did n't got any paper statement. I just got one email  notification and I logged into my account and witnessed this late fees for no fault of mine. They should have at least sent me the letter stating money refunded and then charged and the late fees -but nothing? And moreover I have no idea when they refunded and took that money back - where is the late fees? I made the payment for only {$60.00}.
XXXX and Experian are not updating my credit report for one negative item. XXXX and Experian keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XX/XX/XXXX and XX/XX/XXXXto confirm and they NO LONGER have the disputed account on their records since XXXX. XXXX and Experian " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XX/XX/XXXX and discharged XX/XX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
We are currently past due on our payment to chase card services. 

Their collections and past due department has been calling us between 1 and 3 times a day on both my office line and our cell phones. The only reason we know that it is chase is the callerID information and a google search of the number. ( XXXX ) On the cell phone, the automated dialer hangs up without playing any message or hangs up on the second or third ring. ( I 'm pretty sure that it 's hanging up on the 2nd ring, and the variance is from the cell network ) In the case of the office number, their automated dialer allows the phone to ring exactly one time before hanging up, and disconnects the call 100 % of the time if answered instantly. ( I programmed the office phone system to answer that number immediately and connect to my desk via a conference call. they still drop the call within a few seconds. ) At this point, I just want the calls to stop. 
The office line costs us money for each call, so I called the number back at some time between XXXX XXXX and XXXX to notify them that the dialer was not working and request that they remove the office line from the contact list. 

They did not remove the office number. 

I called the number back for the second time on XXXX XXXX at XXXX/cst to request that they fix the dialer, and informed them that If they did not remove that number from the call rotation I would be filing a complaint for failure to honor my request.
Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form..
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Last request/response from Navient : Navient stated that my  XXXX  tax return was no longer a valid form of income verification because it was now outside the first Quarter of  XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan.
Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX  ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date  XX/XX/XXXX  ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing.
I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward.
My lease with XXXX XXXX ended in XX/XX/XXXX. I turned the vehicle in, paid the remaining payments in full and on time, and then paid the additional fees and damages in full. In XX/XX/XXXX, XXXX XXXX reported my account 90 days delinquent. I immediately inquired and they said it was some sort of mistake and my only recourse was to file a dispute with the CRA and wait 30 days till it was fixed. I was very unsatisfied with this answer as I had to take time to fix their mistake and suffer credit card companies lowering my limits and denying me credit. Again, it is XX/XX/XXXX, a count still closed, paid in full, and they reported my account 120 days delinquent. I called again and they apologized and stated I had to once again file a dispute but I could PAY to expedite the process!!! I am so sick of my credit score I work so hard for suffering drastically while these mistakes that the company can not explain why it is happening, happens. Currently, my score has fallen over 100 points not at the fault of my own and the company has done nothing. Ut apologize and brush me off.
I submitted a dispute online to Experian regarding several the XXXX times XXXX XXXX of CA is on my credit report. Experian never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX. The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.
My mortgage company changed the locks on my property after my XXXX house payment was 51 days late. I had called and talked with my account executive above being late with my XXXX payment due to seasonal work but I would make that payment in XXXX and my XXXX payment-I would have funds by XXXX XXXX. I called my rep on Thursday XXXX XXXX to make the XXXX payment and schedule the XXXX XXXX. The rep told me that they had sent someone to my property ( 51st day late was XXXX XXXX ) & they reported it vacant/abandoned. I told her that the property was vacant but not abandoned & that I have had vacant - insurance, etc. She made some comment about stopping " them from changing the locks '' and getting it straightened out. On Friday the XXXX after XXXX I went to my house and " someone '' had broken into my house - changed the locks, put a lock box on & some sticky notes stating : " The mortgage company holds the right and duty to protect this property. The property may be rekeyed and/or winterized within 3 days '' Is this even legal? NO phone call - NO overnight letter - The house was secure - they had to RIP my locks off my steel door. I have kept the " pieces '' as proof that the house was securely locked and they did not get in easily. 
On Saturday the mailman left a note regarding a certified letter that I can pick up AFTER the XXXX. I assume it is from the mortgage company. ( The mortgage company uses my current mailing address and must be aware that it is different than the property address on the loan. No mail deliveries are make that address ) Also I think this loan is a conventional loan.
Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.
On XX/XX/19, XXXX XXXX contacted me via text message twice without ever having my consent to do so. In this communication they did not provide proper advisement that this is an attempt to collect a debt and any information obtained Will be used for that purpose. Additionally, it was disclosed in the text message that the debt was owed to a medical facility which comes very close to violating HIPAA since this company had in no way actually verified my phone number and could have been disclosing this information to anyone. Upon contacting the company and trying to figure out how or if they had obtained my authorization to text me, they advised that it was provided by the client and if I have a problem with it, I should get an attorney.
I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.
Urgent Matters!! Prestige wants to reposses my XXXX XXXX XXXX XXXX  in which I have been making timely payments from XX/XX/XXXX till present. Prestige Administration are now in Retaliation because of my filed complaints with Consumer Financial Protection and Federal Trade Commission and Department of Justice ADA Disability Act Civil Rights.
I just like to have a affordable payments under $ XXXX- {$480.00} with a lower interest rate under 17 %.
I am willing to start making my timely affordable monthly payments starting XX/XX/XXXX.
Prestige wants to also wants to report me to a collection company and destroy my credit ratings with XXXX, XXXX and XXXX.
I am XXXX Lifetime and Retired.Why Prestige administration are mistreating our Military Veterans and Citizens on Disability Lifetime?
I have requested a Federal Investigations against Prestige Administration immediately.
I will send copy of evidence of Prestige on Escalating their Retaliation against me.
Repossession of my vehicle and reporting collections and negatives to credit reporting agencies.Is this how Prestige Financial Services mistreat and Retaliated against Hispanic XXXX Military Veterans?
With Respect the Federal Government should consider my request of Federal Investigations.Prestige does n't want to accommondate on my Disability Lifetime under ADA Disability Act.under the Department of Justice.
I am requesting also with respect that Department of Justice ADA Disability Act Civil Rights Division intervene on my complaints also.
Urgent Matters.
As with my previous contacts with you all I have stated that I am in the XXXX XXXX and I have been in one for a number of years due to a XXXX  XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
I have told Midland Credit that the number they are calling is a cell phone please stop calling me its using my data. They are calling from different numbers i have to continue blocking each number. They also say it in a mubbled voice thay the call may be monitored and i couldnt understand anything else.
After reviewing my credit report I noticed incorrect accounts that were negatively reflecting on my report hindering me from obtaining and sustaining proper living conditions for me and my family. By them not properly and accurately verifying accounts they are violating me and breaking the law by not following the FCRA. I have included another letter in the attachments that you can provide them to remove accounts and delete all unauthorized inquires from my file.
Im XXXX and i can no longer pay the loan at this time. I have told the loan company this and yet they still call my fiance, go to my work place and even call my mothers boyfriends workplace where i occasionally work to fill in for some one daily. It is harrasing me that they continue to call and show up at his work place and even call my fiance while he is at work trying to get him to pay the loan.
Sent mortgage payment for XXXX/XXXX/16 to Ditech mortgage company.Received phone call on XXXX/XXXX/16 saying payment was not received.Produced bank statement that check for {$2100.00} was cashed by Ditech on XX/XX/XXXX16.Faxed statement to Ditech.Was credited mortgage payment of & XXXX on XXXX16.Ditech still has not credited my account for the {$1000.00} payment on the principle.I called several times, they refuse to credit the account claiming they do n't know where the money is.
The date of the phone call was  XXXX / XXXX / 2017 . I filed victim of crime for the medical bill and I was not contacted about that being denied, The company  is Professional Account S ervices. Phone number is  XXXX .  XXXX .  XXXX . The rep did n't advise call recorded or MM, did n't verify if I was the correct person. Wanted to know how I was going to take care of the debt today. Advise rep that I was n't able to that I had filed victim of crime, Rep then advised that was denied, I had advised that I was not contacted about it bein g denied. Rep wanted to verify my information and then hung up the phone. I did n't feel I was being treated fairly or being informed correctly.
I recently opened an account with PayPal. I purchased XXXX PayPal " MyCash '' cards ( PPMC ) for {$500.00} each and loaded them to my account in anticipation of making a few purchases on Ebay, the parent company PayPal. PPMCs are sold at various retail establishments, and in my case, I not only was required to show identification when I purchased them, but I also kept all receipts related to such purchase. Via a website that is, upon belief, authorized and/or maintained by PayPal, I loaded the PPMCs to my PayPal account. Because of limitations imposed by PayPal of {$500.00} of loads per day XXXX and {$4000.00} per month ), the XXXX PPMCs I purchases were loaded to my PayPal account over two consecutive days. 
Approximately one day after the second PPMC load ( which was within the guidelines and rules established by PayPal ), I received an email from PayPal that my account was limited due to what was described as " high risk '' activity and that PayPal would be freezing my $ 1K in deposited funds for 180 days in order to make sure there were sufficient funds to cover any payment reversals. 
I telephoned PayPal and spoke to a representative in its " Account Limitations Department, '' and was told essentially the same thing that was related in the email. Although I explained, and the representative conceded, that there were no payments made ( and thus there could not be a basis for any payment reversal ), I was told PayPal would not change its position. I also offered to provide copies of my PPMC receipts and other supporting documentation to establish that my purchase of the XXXX subject PPMCs was bona fide, but this offer was rejected. 
PayPal 's actions are unjust, unfair and punitive in nature. While I recognize the need to have certain loss prevention policies in place, I believe there is something fundamentally wrong with a system that cites this as a justification for detaining a customer 's money but does not provide a route for appeal or other process that would enable a customer such as myself to refute the implication raised through clear and convincing documentation.
Agency contacted me to get a hold of my sister. Phone # they called from was XXXX, or AFNI. My voicemail clearly states my name and not my sister 's name. Regardless, the agency left me a voicemail stating they were looking for my sister and then proceeded to say " This is a call from a Debt Collector ''. I have read and studied the FDCPA and I am pretty sure this is a violation of the Act. They have her phone #, which is in service. Her mailing address and all identifying info is up-to-date. There would have been no reason to contact me, let alone, to state that they were collecting a debt. It serves no purpose. I will be contacting my attorney with regards to this matter. I have not deleted the voicemail. The company needs to be held responsible for the collector 's training and negligence. If they did this to my sister, then they are doing it to everyone else.
Ability Recovery Services is attempting to collect a fraudulent debt and reporting illegally on my credit report. In XX/XX/XXXX I sent, via certified mail, a 93A Demand Notice requesting validation of debt and informing Ability of their illegal reporting. They failed to reply. In XX/XX/XXXX I sent a second 93A Demand, via certified mail. They failed to reply however they did remove their listing from my credit reports. In XX/XX/XXXX I sent a third request for validation of debt. They failed to reply. 
In XX/XX/XXXX Ability fabricated the same account, claiming it was a new account, then again reported to the bureaus. They failed to provide me with my rights under federal and state law. They also added this " new '' fabricated account illegally to the bureaus in violation of federal and state law.