WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I brought a mixed use property that I live in a loft and have restaurant rental space below. I finance the property from XXXX XXXX XXXX in XXXX somewhere it got sold to Region Bank I don't know exactly when they made the switch, In XX/XX/XXXX Regions stated I was behind on some notes and they offered to modify the loan. I accepted though I couldn't prove at that time I was not behind on my mortgage. In XX/XX/XXXX the bank said the loan was due and I owed another {$180000.00} dollars on a property. In XX/XX/XXXX I did an administrative process on them asking for the original blue wet ink copy of the contract. They could not produced it and the ones they did produce were copies with obvious blank outs. After this starting XX/XX/XXXX they tried to foreclose on my property, I had to hire an Attorney to get an injunction to stop the foreclosure and sale of my property. I filed a lawsuit in XX/XX/XXXX sued the bank for fraud and racketeering during the hearing it was proven that I had paid well over {$500000.00} however before we went the trial, the bank agreed according to my attorney that I did not owe them anything on the mortgage but that I now owed them {$41000.00} in taxes ... I offer a tender of payment to them via my attorney which they accepted. XXXX of this year after a year of no feed back.. I asked for a settlement and closing of the account.. the attorney I hired said since we did not hear anything else from them that I could dismiss the case without prejudice and come back and sue them later if needed. XX/XX/XXXX they sent me another letter stating I am in default of the mortgage and that my property will be sold XX/XX/XXXX. Of course I will be going back to sue or file bankruptcy as I have exhausted my reserves suing them the first time.
MY HOME IS BEING FORECLOSURE WITH A FRAUDULENT ASSIGNMENT THAT IS CLEARLY DEFINED AS A ROBO SIGNED DOCUMENT. FRAUD CAN NOT BE THE BASICS OF OBTAIN A DEED THE CUT OFF DATED OF THE ALLEGED LISTED IN THE POOLING AND SERVICING AGREEMENT FILED WITHIN THE UNITED STATED SECURITIES EXCHANGE.STATES THAT ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OF DATE IN SECTION 201 I ALSO REVOKED THE POWER OF ATTY THEY ARE USING TO FORECLOSE ON MY HOME I HAVE ASKED FOR A MODIFICATION, AND THEY HAS REFUSED
This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time. 

The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX  credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!
My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.
I ran my credit report XX/XX/XXXX as I am attempting to purchase a home ... I saw XXXX on my credit report. I contacted XXXX, they claimed non return of equipment from XX/XX/XXXX in which I did not recall. I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed XXXX removed and cleared from my report, they promised it would be removed so I paid it but it still remains on my report, the balance is now XXXX but XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.
Collection Agency : Ability Recovery Sercives LLC Original Debt Holder : XXXX University Written Notification Complaint # 1 : I have received numerous bills in the mail ( last one  dated XX/XX/XXXX ) about a {$2600.00} debt thats supposedly owed to XXXX University. I have asked the collection agency ( last phone call on XX/XX/XXXX ) to send me an itemized bill. I have NOT received a bill. A representative for Ability Recovery Services LLC told me during a conversation on XX/XX/XXXX, that I had previously requested a bill and should have already received the statement in the mail. 

Just recently, I was told by a representative with Ability Recovery Services that it would take 30 days to receive the bill and that her company policy requires that she receives the bill first, then she will send it in the mail to me. If the bill was previously requested by me and sent to me, why doesnt the collection agency already have a copy of the bill to forward? The 30 day waiting period is ridiculous. 

False Statements Complaint # 2 : It has been reported to all three credit bureaus that I have defaulted on a loan thats in the amount of {$2600.00}. The original debt holder is reporting a different amount. There is a massive discrepancy in the amount being reported by XXXX and Ability Recovery Services. 

Communication Tactics Complaint # 3 : Ability Recovery Services LLC rep XXXX ( last name ) was extremely unprofessional. He hung up on me while I was requesting an itemized bill. Told me that he didnt want to waste his time sending me the itemized bill because he knew I wasnt going to pay it. He took a prejudice/bias accusatory stance by stating your not going to pay this bill anyway, so why did you call. 

After being hung up on, I called back and XXXX hung up the phone again, after I requested to speak to a different collections rep. Again, refusing to accept my request for an itemized bill. I had to call back a third time to talk with a professional collections agent.
I was XXXX during this time frame and I would like this removed from my credit history also if I'm no5 mistaking the school shut down
IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY XXXX COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE XXXX RANGE AND NOT THE MID XXXX XXXX. FICO NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.
I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. 

XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2.  Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. 

I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.
I have received a duplicate charge on my XXXX XXXX Credit Card. Barclay card has submitted me documents pertaining to the charge. I filled out all valid info and wrote detailed info as to why it was duplicated. I also showed what card they processed the refund on my contract. Barclay is telling me that they received my fax after the allowable time and will not process my dispute. They charged it back to my card and accrued higher interest adding to extra income on their side. I do not believe this is within the guidelines that a credit card company is suppose to act. I received the XXXX letter and submitted the documents via fax two days later. They advised it was after the 5 day period and ca n't process the dispute.
My Chase account has been active since XX/XX/XXXX and I have not had any problems with the account and Chase confirms that it is in good standing. On XX/XX/XXXX, I made a payment, as I always do, using the Chase online system. The payment was for {$490.00}. Due to my accounting error, this payment was returned by my bank as NSF. I then made another payment on XX/XX/XXXX for {$590.00}. Although Chase waited 7-10 working days for this payment to clear ( which it did approximately 2 days after the payment date ), I was told that a hold on the credit had been placed. Subsequently, I made another payment on XX/XX/XXXX for {$890.00}. I confirmed with my bank and the payment was paid at the bank on XX/XX/XXXX. I contacted Chase bank about this payment and they advise me that a hold has been placed on this payment as well. When I advised the representative why this was being done she advised that this would be the procedure on any payment to my account for the next 120 days. I voiced by dissatisfaction with this process, as I had not had any financial problems with my account before and she verified this during my call. She states that this is Chase 's policy. I advised her that I was going to file a complaint with CFPB and request that this department review this unfair procedure that Chase has in place on it's cardmembers. One would agree that this practice would be for cardmembers that continually have matters like these occuring. However, since XX/XX/XXXX, I had not had any other instance such as this having occurred. I am requesting your office 's review of this official complaint.
I am on XXXX serving in the XXXX. In XX/XX/2016 I asked Barclaycard to apply SCRA benefits to my Luxury Gold Card account. They said yes, saying in a letter that " While you 're on XXXX, the following terms apply ... : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' I have a large balance on the card now because of this, and Barclaycard just notified me that they would start charging me the {$990.00} annual fee. I believe that they are violating the promise that they made me to keep my fees and APR at 0 while I remain on XXXX.
Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help.

They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. 
Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. 
Thanks you so much for your help.
Wells Fargo has charged a Fee of {$120.00} to my account for a legal order. I expressed to them that the funds were from a XXXX payment case. Wells Fargo and other banks alike are charging excessive fees for writing a check to a debitor. I wasn't representated by Wells  in court nor did I receive LEGAL COUNCIL. Why does Wells Fargo think it's Ok to charge a fee, that of which an attorney can make, for less than 10min of work. Wells Fargo has been hit with a {$250.00} million door settlement for excessive overdraft fees. This should also be a consideration moving forward. 


And this is the kicker. Wells Fargo instructed me to contact the Franchise Tax Board and have them write Wells Fargo a letter stating that there was an error. I'm still scratching my head on that one. In short they want me to call the Franchise Tax Board and have the FTB tell Wells Fargo that there's been an error with your fees. FTB didn't access the fees XXXX! Why would FTB call and complain or write a letter regarding fees they didn't charge. 

Name # XXXX XXXX Case # XXXX Amount # XXXX
My mortgage is and Interest only loan, and the payment has adjusted out to {$3000.00} monthly. I 've been trying to modify my mortgage since XXXX  2017. 
My mortgage server changed before the modification process was complete. 
I 've submitted financials and a modification request to Shellpoint mortgage several times. They have given me a difficult time asking for the same paperwork I 've already provided to them. I feel they are giving me the run around and they are trying to foreclose on my home. I 'm requesting a fixed rate mortgage and payment for 30 years. 

Please help
Ara FinancialXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX been calling me and threatening arrest and legal action on a debt that is not mine. The debt is with a family member that I do not speak with. when I told them they do not have business with me they hung up and have called back again. These calls are in the early morning hours when I am sleeping, and they wake me up. I work a job that requires proper sleep and they are interfering with that. I have sent a certified letter to them, so now they have another branch office call.
We paid off our Citi Bank XXXX in XXXX XXXX and over paid the account by {$600.00}. On XXXX XXXX we requested a refund for which we where told by Citibank that they would mail out a refund check for {$600.00} to arrive within XXXX business days. We did not receive a check so on XXXX XXXX we again requested the due refund and gave our checking account routing & account numbers for a direct deposit. AS of today XXXX XXXX, XXXX we still have not received a refund from Citibank. We recontacted today XXXX XXXX, XXXX and again requested our refund. Citibank account manager XXXX advised that she has opened an investigation into the matter. This is not acceptable.
i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted XXXX line now there is a hit on my credit card line.
My student loans have been forgiven due to XXXX and the creditor ( XXXX ) responded to the dispute telling the agency to delete the accounts from my report. I have called XXXX and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to creditors however, the only XXXX I have scanned in was for XXXX but it shows the same as what was sent to Experian.
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.
Bank of America XXXX credit card. 
An annual fee was assessed even though i closed the account and havent used the card in many years. i called to have them reverse the fee as i closed the account in XX/XX/XXXX and had paid XXXX dollars of the XXXX dollar fee. i told them to keep the XXXX as it would more than cover two months of the year. they said since i used the card once ( who knows how long ago ) that a service fee is charged to the account no matter what and it is not refundable. I have not used the card in 4 or 5 years at least and feel that their previous fees more than cover any cost that they have incured from any purchase i made umpteen years ago. i feel this is ridiculous and my fee should be refunded immediately.
I have freedom credit card from chase for more then half year and they told that I can increase limit on the card today I spoke with custome care represent XXXX even and he told me after 1 hour verification that congratulation your line encrees from XXXX to XXXX when I call back in one hour to check balance nothing happen nobody did anything. Our conversation was recordet and I need. Help to request this tape to prove that they promise and did n't deliver
I had service with XXXX over 10 years ago and now I collection name XXXX XXXX  is damaging my credit stating it was opened in XX/XX/XXXX and I didnt open an account at this time. 
XX/XX/XXXX Date Opened Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$430.00} Original Balance {$0.00} Highest Balance 1 Months Terms Apr XXXX On Record Until {$430.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
My problem with Wells Fargo Home Mortgage started after I filed bankruptcy to save another property I own in a different state. I have XXXX loans with Wells Fargo and was having problems with the mortgage on a property I own in XXXX, CA. My bankruptcy was filed in XXXX. On or about XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage stating that I was to send my mortgage payments to Wells Fargo Home Mortgage, XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. I began making the payments to this address. My bankruptcy was dismissed in XX/XX/XXXX and I was told that there was un-applied funds in the amount of {$2400.00}. I continued to make my payments but then I started receiving letters from Wells Fargo that I was behind in the payments.and was given an amount of over $ {$6000.00} that was delinquent. I never stopped making payments on the loan and provided Wells Fargo with copies of cashed money orders drawn on Wells Fargo Bank as evidence that I was making the payments so this amount has been in dispute. I also requested the loan be audited and received a letter XX/XX/XXXX that the inquiry was going to take longer than they expected and would be resolved by no later than XX/XX/XXXX. I continued to make payments to the XXXX XXXX IA address. I received a letter dated XX/XX/XXXX from an attorney, XXXX and XXXX, XXXX that Wells Fargo has turned my account over to foreclosure and was advised that a foreclosure was file on XXXX XXXX but no date for the foreclosure sale has been set. I am very upset about this as I feel they are now trying to take my home. I am XXXX years old and on a fixed income. I receive all kinds of letters, phone calls and people coming to my home saying they have been sent by the bank and trying to gain access to the inside of my home. I never received a resolution from Wells Fargo regarding the audit of the loan. I contacted Wells Fargo and explained to them that I had the money orders to prove I have been making payments and they told me my loan had not been paid since XX/XX/XXXX and that I owed approximately {$8400.00} in back payments, not included fees. I spoke to a gentleman named XXXX and he advised me to send in the copies of the money orders. This will be the third time I have provided them with proof that I have made the payments. At this point, I do n't have confidence or trust in Wells Fargo to follow through with what they promised and feel it is in my best interest to file this complaint. I have been trying to apply for a loan modification but was told I had too much income. That is impossible as I am on a fixed income ; I receive a small pension and social security. I also have been advised that the loan I was in was a deferred interest loan and was considered predatory. My mortgage balance is upside down with the additional interest due on the loan. Please assist me to mitigate foreclosure on my home. Any help you can provide will be greatly appreciated.
XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
In general I am writing to complain about a lender ( XXXX XXXX, Branch Manager of the XXXX Wa Branch of Pacific Union Financial ) who has been dishonest, unscrupulous and misleading through this whole process. In XXXX I started a refi of my existing rental house to pull cash out to buy another rental. The lender from the start was trying to make me lie and say I was purchasing the new house to live in. He wanted me to create a bogus lease agreement of my personal residence to fool the underwriter. He also wanted me to falsify the lease agreement for the existing rental house. His intention was to try to get me a better rate. When I refused, he finally put together a loan app that was correct. On XX/XX/XXXX I was given a specific amount for cash out in the loan application. Our closing date was for XX/XX/XXXX to do the cash out refi and the purchase all at once. On XX/XX/XXXX I received the mortgage disclosure statements and the closing disclosure statements for both loans on the same day. The appraisals had been done weeks ago. I was never told that the loan was changing at any point. When I was going through the documents, the amount of the cash out had dropped by over {$10000.00}. I was shocked. I was never informed of this. The reasoning was apparently the house did not appraise for the amount he had originally put in the loan app. At no time did he ever tell me of this drastic difference. If I had known, I would never have done the refi. I would have simply obtained a line of credit. When I confronted him about this he refused to acknowledge the problem and just kept telling me I was demanding and rude. When I asked him again why there was a discrepancy ( on the day of closing ) he refused to answer saying he didn't know what I was talking about and persisted in arguing with me at how rude I was being.Totally unprofessional. I finally got a response from him later after the closing was complete but never a resolution as to why he didn't inform me so I could remedy the situation. Bottom line is he just wanted to get his fee and knew I would cancel the deal if I had known and had time to fix it.
XXXX is reporting XXXX accounts with XXXX missed payments. Accounts are dated 2006 and should be deleted since they are over 7 years old.