WillisBack/dataset-financial-user-claim huggingface dataset:
Four years ago Wells Fargo Bank charged off a credit line that I had with them. A year ago they filed a XXXX with IRS declaring that they had Canceled or Discharged my debt. Consequently, I included the discharged amount in my income and paid taxes on the Discharged amount. Now, I find that despite the Discharge, Wells Fargo is still reporting the entire canceled/discharged amount to credit bureaus as Past Due and still owing.
I have my checking account with Wells Fargo bank for about seventeen years, but I notice in the year XX/XX/XXXX that Wells Fargo had opened about four lines of credit on my name and only one of them had my consent. The problem started when the bank without authorization was doing automatic draft from my personal account and at the same time I was paying my obligation by check as a result the bank has an amount of {$45000.00} taken from my account between the years XX/XX/XXXX and XX/XX/XXXX.the reason because I am complaint at this time is because was to hard to get the bank information even though I visit the branch frequently and I have been in contact with personnel of the bank but I do not see the wiliness of Wells Fargo in dealing with the problem instead they address me to a third party that has nothing to do with the case. I am tired to visit Wells Fargo other locations with not result. in the present I do not have sufficient availability to hire a lawyer, I hope the laws and regulation to provide me protection on issues like the one I am facing now.
Equifax had a security data breach where my information was exposed leaving me at risk for potential identity theft and fraud. Equifax knew about this breach on XXXX XXXX XXXX yet did not let the public know until XXXX/XXXX/XXXX. The breach lasted from XXXX XXXX through XXXX. I am left vulnerable for a variety of my protected information to be used improperly causing damage to my credit, my identity and my future.
AMCA is attempting to collect on debt that I never established a contract  with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  AMCA are in violation : Violation of the Fair Credit Reporting Act Viol ation of the Fair Debt Collection Practices Act Defamation of Character an d the HIPPA L AW.
XXXX XXXX, XXXX I took out a mortgage XXXX. Less than a month later I was informed the mortgage company was filing bankruptcy. My loan server ( XXXX XXXX continued to automatically with draw my monthly mortgage payments form my banking account. In XXXX XXXX a new lender XXXX XXXX XXXX XXXX ) increased the amount and continued to with draw monthly payments. This continued until XXXX XXXX, when I received a letter from XXXX stating they would no longer be serving my loan. And someone would be contacting me. Months went by, without contact from anyone, yet the auto monthly payments continued. I call XXXX XXXX XXXX and was told I would contacted soon. The contact never happened, so I cancelled the auto payments. 
Four years later, XXXX XXXX I received a letter from XXXX XXXX XXXX. The letter informed that BAC Home Loans Serving LP has been assigned as server as of XXXX XXXX, XXXX. I Later received a letter from Bank of America declaring foreclosure. I contacted them, and reminded them of the lender 's ( XXXX ) bankruptcy.In XXXX XXXX, XXXX & XXXX, XXXX. informed me of a foreclosure sale. BAC offered a mortgage modification, to stop the foreclose sale of my home. I entered into the modification contract and continued to make payments. In XXXX XXXX XXXX records han no deed of trust filed by BAC. I contacted BAC to ask why. BAC responded with a letter. The letter stated the assignment of a new server XXXX effective XXXX XXXX, XXXX. I posed the same question to the new server, regarding the filing of the deed of trust. Their response, was the assignment of a new server XXXX a debt collector/server. When I contacted XXXX, I was told BAC had charged off the loan. Later, I found out that ( BAC ) Bank of America is the parent company of all of the newly assigned servers. As of today, there is no papers Releasing the Original Loan to anyone. No one can show proof reassigning XXXX XXXX XXXX as the server in XXXX, after the dismissal in XXXX. I have paid out over {$54000.00} to these people. The above mentioned have offered no documents of ownership. They have, also filed outstanding debt owed by me with all credit agencies.
Please know I greatly appreciate your assistance with this matter. 
This complaint is a follow up to my previous case you had been assisting me with, case # XXXX. After more then 3 years trying to obtain a resolution, I deem your assistance was key in getting the bank to move forward with our modification. In XX/XX/XXXX, they finally approved the trial loan modification.Therefore, I did not pursue it further or dispute the complaint, as I assumed it was resolved. I completed all the documents they requested and agreed to assume the loan. 
I started making my XXXX of XXXX trial payments in XX/XX/XXXX. They were supposed to complete my final modification in XX/XX/XXXX. In XXXX, they told me that the final loan modification documents had been issued incorrectly and had to be redone, on account it is also an assumption, which they knew from the onset! I have now made XXXX payments and still have not been provided the final documents. The last times I have called, I 've had to speak with customer service reps. that have no idea what 's going on. They just try to read the notes stated on the computer and even their interpretation has been evasive. They stated they would have the processor update the file and contact me, but that 's never happened. 
After persisting 2 days ago to determine whom should be the contact person handling my file, their processor XXXX XXXX, had customer service inform me XXXX XXXX and XXXX XXXX were handling the assumption. Nevertheless, they would not transfer my call to them. Instead they said they were emailing both, to advise them to contact me and update the file. This has not been done either. 
I am getting very concerned at this point. I have complied with all their requests and completed XXXX trial payments on a timely basis. I have already scheduled the XXXX payment for Monday, XXXX XXXX. There should be no reason for them to not finalize this modification. I 've had to spend over {$20000.00} in repairs to the home, due to storm damage their force placed insurance would not cover. I do not want to lose my home. 
I would greatly appreciate your assistance in getting this completed. 
You have all the information for the bank, Seterus. The details of what has transpired and all supporting documents are in your system under the XXXX # listed above. I did not find a way to respond to status there. For this reason, I 'm initiating a new complaint. If you need me to send everything again, please let me know? 
Thank you very much for your time and assistance, XXXX XXXX XXXX
I have already paid this debt in full but XXXX XXXX still have on my XXXX has not notified them that it has been fully paid with interest so it is troubling that I in good faith paid it up but they have not do their part. I notified them but thinking about a legal action.
XXXX XXXX website is MISLEADING and DECEITFUL. Does not clearly show or state hard inquiry will be placed on consumer file. Only ask for last 4 digits of SSN. Disclaimer is not clearly visible to consumer. In its disclaimer using small print, using the words lender MAY pull credit file. Nowhere before beginning the application it states that the lenders MAY or WILL be pulling your credit file. Asking for last 4 digits of SSN is not a clear indication to the consumer that an hard inquiry will be placed on credit file, Submitted a complaint on website no response. Please visit XXXX XXXX website and start an Auto Loan application to better understand my complaint
i am XXXX years old - retired XXXX XXXX - i started obtaining credit back when i was XXXX years old when i bought my first car on credit - during my years, i have established tons of credit accounts including 5 mortgages - 7 car loans and numerous credit card and other credit accounts. however, i have complained to transunion that their way of calculating length of one 's credit is not correct and they report me as having 1 year of credit to my name - this is so obviously wrong - i have had credit in my name for 45 years - my wife divorced me two years ago and i had to close my accounts and open them again without her on them - this is what transunion is claiming is the first time that i have ever had credit and reports my credit life has only been one year - it is hurting my credit score and hurting me from obtaining a good mortgage for the purchase of a mobile home in floida - the only place i am now able to afford to retire to. please have transunion to correct my length of credit information as it does not correctly represent the true time i have had credit in my name. in addition - i challenged 7 hard credit inquiries months ago and they never researched/ responded back to me on the results of the investigation they were to perform. my credit score i XXXX - and everything else on my credit report demonstrates that i am an excellent credit risk - no negative accounts - 100 % payments on time - excellent amount of credit used vs available etc .... i have worked very hard on my credit and these two issues are the only negative information on my file.
I have requested a lower APR from Capital One three times and continue to be turned down. Capital One continues to keep me at what is considered a penalty rate.
Client was sued by Midland Funding in XXXX XXXX on an account stated. Midland Funding, in its complaint, stated that the date of default was XXXX XXXX. It also alleged that defendant last made a payment on the account in XXXX XXXX. When Client asked for discovery, she was provided with XXXX account statements. The final statement, dated XXXX XXXX, XXXX, states a {$0.00} balance. No evidence is provided that Client made a payment after XX/XX/XXXX, other than a single sheet of paper that looks like it was printed from Midland Funding 's own records which simply provides a summary of the account and says that the last payment was in XXXX XXXX. Client believes this case is barred by the statute of limitations and has several other affirmative defenses. There was also no substantive evidence provided that Midland Funding owned the account. 

This case is still ongoing despite the consent order issued earlier this month in which the CFPB was involved and which describes such behaviors as being illegal and directs Midland Funding and its agents to cease its wrongdoing. This case should never have been filed and appears only to have been filed in the hopes that Midland Funding could continue its abuse of our justice system to obtain a default judgment.
XXXX appraisal fee not refunded after closing failed on refinance attempt in XXXX of 2015.chase bank XXXX XXXX XXXX XXXX Zip codeXXXX.The appraisal fee shoud have been incorporated in closing cost ... .but commission broker too money and not responding to numerous voicemails and emails.His manager has done the same after the branch manager emailed him to contact me.possible pocket of funds due to thinking I am not entitled to appraisal fee refund.NO appraisal fee was warranted at time to refinance.They are playing dodge ball ... .thinking I will give up ... ... .please help me ... thanks
They have n't actually threatened legal action but I am having trouble paying what I own. I am on a payment plan and I have been paying on time every month for at least 6-8 months. I have not received a bill in 2 months. Got a letter last month saying I was late. I paid it. Did not receive a bill this month. I attempted to pay online - their online service does n't work. I attempted to call the number on a bill stub from a previous bill - the message says they ca n't take the call due to unforeseen circumstances and hangs up. I called a different number on their website, spoke to someone who said he 'd transfer me to the correct department.. he sent me to the same number I had previously dialed and I got hung up on again. Tried calling back the number where I actuall talked to some one and 4 times I have been sent to voice mail. I left a voicemail, I filed a complaint on their website. I have not been contacted from them. I am working hard to raise my credit score and pay my debts but I am at my wits end with this company. There is n't even an address on the payment stub for me to send the payment without a current bill. How am I supposed to pay it when I ca n't get any cooperation from the 3rd party collection agency?? Being late with them will report negatively on my credit since a payment plan is in place.
Pioneer Credit Services obtained a debt in XXXX and sent notice to an address last reported by my credit report in XX/XX/XXXX. When I received the first notice from them postmarkedXXXX/XXXX to my current address ( as reported on my credit report starting XXXX ) it was a notice for XXXX and an opportunity to request a hearing. I contacted them immediately and asked for proof of debt. The requested for records, but threatened to continue to advance in garnishing my wages as the 30 day window after they obtained my debt, was the window I had for requesting validation. Had they not sent the notice of debt accrual to a known 4 year old address I would have responded requesting validation of debt within Pioneer Credit Services time frame. Now since they are threatening to garnish my wages, I have to request a hearing in court. I have filed disputes with the credit agencies.
I have two accounts with XXXX XXXX. However, XXXX XXXX has completed an illegal search of my family members and is harassing them. XXXX Is call my senior family members 4 to 6 times a day SIMPLY because the persons share my last name.

Note that The family members are NOT listed on my accounts, anywhere.

The family members are NOT authorized to use my account.

The family members do NOT have accounts with XXXX.

I have never lived at the addresses of the family members The family members phone numbers were NOT provided to XXXX XXXX   by me.

XXXX XXXX has all my contact information.

The senior family members simple share my last name.

How is it acceptable to harass seniors because they share my last name?

Calling 4 to 6 times a day, for no reason.
On Tuesday,  XXXX   XXXX  at  XXXX  I received a phone call from  Portfolio Recovery Associates regarding a credit card  balance of {$7000.00}. This was the first time I received a phone call from this company regarding this account and I respectfully asked that if there was any validity to this account that they provide it in writing and NOT to call my number (  XXXX  )  XXXX . She became belligerent and began to argue with me that they could and would not accept any verbal request and that my request would have to be in writing. I told her the written requirement is no longer necessary based on new changes in the law. She said she has been working at  Portfolio Recovery for o ver 12 years and she knows that is not true. Her tone was and attitude was very condescending and negative. I told her that I will be filing a formal complaint with the CFPB
My loans are being serviced XXXX/PHEAA. Around last XX/XX/XXXX, I asked them about a difference in the calculation between the months I was tracking for qualifying payments for the public service loan forgiveness ( PSLF ) and what months they were reporting. Since XX/XX/XXXX, numerous customer service agents have repeatedly pushed back the expected timeline to hear about the results of the audit, with the latest customer service representative telling me the two months in question were somewhere around XX/XX/XXXX-XX/XX/XXXX or  XX/XX/XXXX-XX/XX/XXXX, but that XXXX hadn't credited these two months yet because they hadn't determined that I was in a qualifying repayment plan despite being in one before and after the two months in question. The customer service representative said it looked like some of the questions arising were concerning the status that XXXX had placed me in deferment for one day during the month - against my instructions and desires. The customer service representative once again said that the account was scheduled to be reviewed, but she could not tell me when the review would be completed. As a result of this negligence, XXXX/PHEAA is costing me valuable repayment credits toward qualifying payments made toward the PSLF program.
I applied for a loan modification in XXXX if 2015 for the second time in three years with Citizen 's Bank, aka CCO. To date I have not received it. They have been " reviewing '' my file since XXXX this year and claim that it is the last step in the process, with no explanation on why it is taking so long. This has been the most frustrating process, with their loss of documents, asking us to send again and again the same thing, and then forced to wait.
Collection Company : XXXX XXXX XXXX XXXX XXXX. 
Website : XXXX Amount : XXXX Date on Notice : XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.
Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.
I 'm still not getting any customer service from suntrust. When I was finally able to get to a person on XXXX XXXX, it was XXXX XXXX and she told me she would have XXXX XXXX call me the next day, XXXX XXXX. She either lied to me like everyone else has and did n't tell XXXX XXXX to call me or XXXX XXXX just chose to not call me as she has repeatedly done in the past. I called again on XXXX XXXX and XXXX XXXX answered and I told her I wanted to speak to XXXX supervisor. She told me XXXX supervisor was not available, which I believe was another lie, but again she told me she would have the supervisor call me. I gave her my cell number, even though they should already have it, and I asked when I could expect a return call. XXXX XXXX told me the response time was 24-48 hours. I did n't really expect a return call because no one has ever returned a phone call when they said they would. After waiting the 48 hours, I called AGAIN on XXXX XXXX at XXXX. I got a recording that all the associates were busy and my wait time was less than 5 minutes. I think they just turn these recordings on after XXXX so they do n't have to take any more calls because the recording usually says the wait time is greater than 10 minutes. But even the recording LIED because I waited on hold for 20 minutes even though the wait time was supposed to be less than 5 minutes and after the office was closed. I knew nobody was going to answer the phone after XXXX. While I was on hold, there was also a message that came on several times saying if I wanted to leave a message, press XXXX and someone would return my call within 24 hours. Another LIE. No one has ever returned a call within 24 hours. EVER. They do n't return calls at all. 

I have to pay them XXXX dollars every month because if I do n't I 'll lose my house but they wo n't tell me the truth or return phone calls. This is completely unacceptable and should not be allowed to continue. They have negative comments all over the internet because I 'm not the only one they 're doing this to. I pay my mortgage on time every month so when I have a problem and need assistance I should be able to get it from people who are n't in the business of intentionally lying to me.
XXXX offered me a pay and delete offer in XXXX, in which I accepted and paid {$93.00} in XXXX XXXX. XXXX cashed the check on XXXX/XXXX/XXXX and as agreed in the settlement offer, they should have updated my account information with all XXXX credit agencies. Therefore, it was illegal and unlawful for XXXX to sale the debt to a collection agency. I sent letters to XXXX with prove of the agreement/contract from XXXX and all they did was send me XXXX home phone bills from XXXX. It still did not show that I owed XXXX anything. I do NOT owe XXXX the full amount of the debt because this debt was paid and settled with the original debtor.
I applied for this loan not knowing the interest rate of the loan, was never disclosed to me over the phone. My loan amount was for {$350.00}, so far I paid this company {$900.00} only to still have a balance. The interest rate is at 754.62 % which is over the legal limit allowed from Arizona. I was wondering why I still had a balance, so I had to sign up on the lenders website to look at my balance and was shocked to see the high interest rate. AZDFI no longer licenses payday lenders as of XX/XX/2010 and interest rates over 36 % is illegal as of XX/XX/2010. I have contacted the Arizona attorney general and learned that payday loans were prohibited in Arizona. A consumer complaint has been made.
I started to refinance my mortgage on XXXX/XXXX/XXXX and are one condition away from closing my loan. However, my bank and I are being denied a payoff from my current servicer. 

My new bank and I have been asking for the payoff for approximately over one month. The past two weeks ( XXXX to XXXX XXXX, we have been calling every other day to get the status of the payoff request and keep getting the " run-around ''. No one seems to be able to resolve the issue or provide CLEAR reasoning why I ca n't obtain a payoff. " it has something to do with my discharged chapter XXXX bankruptcy '', they keep telling me. I was discharged from ChapteXXXX XXXX BK in XXXX, XXXX and this servicer has still been unable to provide a payoff. I have made all my payments on time in the last 24 months and the payment history has been verified with a data agency. 

At one point, in XXXX, XXXX, I was told everything was fine. Later that week, I was notified the information given to me initially, was incorrect. Furthermore, my new bank has been able to update my mortgage and report the current balance on my credit report ... yet ... the servicer will not provide a payoff!?!?! 

I am extremely frustrated with this servicer and from what I have learned/researched, it is illegal to deny a customer a loan payoff. Please help!