WillisBack/dataset-financial-user-claim huggingface dataset:
I am in the process of completing a modification agreement with the lender, Wells Fargo Home Mortgage, loan # XXXX. As part of that process, Wells was to automatically withdraw the second of three payments from my checking account on XX/XX/XXXX. On Friday, XXXX/XXXX/2016, I checked and the payment still had not been withdrawn from my account. I contacted Wells Fargo and was advised that my loan and the attendant servicing had been sold to XXXX. At no time had I received notification of the sale of my loan and in particular I did not receive any notifications at least 15 days before the effective date of the transfer or XXXX/XXXX/2016. No electronic, telephonic or written communication was received. Wells provided the contact number for XXXX and the account number that XXXX has assigned to my account. I contacted XXXX on XXXX/XXXX/2016 and they confirmed that my loan had been sold to them and they confirmed that my modification agreement would be honored. I have to check on XXXX/XXXX/16 to determine if the second payment is withdrawn from my account and if not, I will have to contact them and make arrangements to have the second payment withdrawn from the account and establish an autowithdrawal capability to pay the mortgage each month on the first of the month. Wells did not provide any of the auto withdrawal information I had established with them. In speaking with the XXXX personnel, she advised that they had received many calls from individuals having Wells mortgage loans sold to XXXX and no notification was provided advising of the sale of the loans. Required good-by transfer letters were not sent in accordance with established guidelines.
My wife and I have been receiving calls from a company claiming that we have an outstanding medical bill. They said they can take payment over the phone and that a form of payment has been mailed to us. We called the doctors because we were/are not aware of any outstanding medical bills. The doctors office told us that they do not even use a collection agency and that our account is up to date and paid for. The calls from the " debt collector '' will not stop
On XX/XX/2018 I had received a collection letter about medical bills that I allegedly owed to CBSC which is a collection agency. I had discovered that my personal information was in the collection such as my Social Security Number, medical diagnosis, and diagnostic codes. This clearly violates my privacy per HIPPA regulations. I did authorize the release of my protected information and contacted the XXXX, XXXX, and XXXX  to inform them that I did not give authorization to release my protected medical information. I have explained to the 3 bureaus that in order to aquire medical information about myself I have to sign a consent form allowing collection agencies access to my medical charts and billing information. I contacted the original alleged creditors who told me that they did not have any of the billing in question. CBSC had aquired my information illegally for amounts of {$300.00}, {$300.00}, {$270.00}, {$480.00}. I requested a copy of consent form for medical services as proof I received medical services but I have not received them.
0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.
This is an original account from  XXXX  ending in  XXXX .   The debtor,  XXXX   XXXX , is in a   XXXX   XXXX   XXXX   receiving   XXXX   and thus is not able to make payments or pay the debt at all.
The reason for this letter is to let you know that I am having problems with my current mortgage company, Select Portfolio Services. This is a debt collections company and I have been with them since XX/XX/XXXX. They are based in the state of Utah. Because my loan had a high interest rate of XXXX % I asked the company to modify my loan. They sent the paperwork and began the modification. It took quite a bit of time and after several exchanges about papers they denied me the modification. I retained a lawyer and paid $ XXXX/month. It took about 7 months until my situation was resolved and still not resolved to my satisfaction, despite my complaints that the monthly payments were still to high for my modest income ( the interest was lowered to XXXX % for three months trial basis and then they said they would lower it further after trial ). After the trial months they said they could not lower it further. I did not want to but signed up because I felt I had no other options and the company told me I had to take it. One month after I sent the paperwork they contacted me with another way of " helping '' me out ( understanding my income and need to lower my monthly payment ). It was called a mortgage assistance program for people with hardships. I filled out the paperwork requesting permission for them to check my credit and transcript for tax return. After I returned the paperwork I continued to receive letters and further requests for the same paperwork. Most recently I received a letter stating they had received my complete package for loss mitigation. I do not know if loss mitigation is the same as the mortgage assistance program? I am unclear what the next steps are and it is taking a very long time. I am still paying high monthly payments and this is not sustainable. I can not keep up with these payments and SPS is now threatening me with foreclosure. I have been paying for 31 years and I need help. 
TIMELINE : XX/XX/XXXX : purchased home, lender was XXXX XXXX XXXX, interest XXXX % XX/XX/XXXX : refinanced to get lower interest rate, lender was XXXX, the refinance included mortgage, credit cards, car payments - THIS COMPANY SCAMMED ME. When I was negotiating with them they told me I had to take it. 
XX/XX/XXXX : I had made all payments to XXXX and they sold my loan multiple times, the last company being XXXX. While with XXXX despite making all payments they kept sending me a bill for {$7000.00} ( for escrow but I did not know what to do because I was making my payments ), so I ignored it. They started foreclosure process and I did n't know why ; then they started rejecting my payments. Finally I found all the money, over {$14000.00} by then, I paid them and they stopped the foreclosure. 
XX/XX/XXXX : XXXX sent me a letter and told me my mortgage was now with Select Portfolio Services. At that time I called SPS and started the modification process ( as storied above ).
I have been contacted by XXXX XXXX XXXX XXXX. I have researched this company and it appears they are attempting to defraud people. I settled this account with Diversified XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of Diversified Consultant customer.
My mortgage loan is with Green Tree Servicing as interest rates fell during the mid and late XX/XX/XXXX Myself and My wife were interested on numerous occasions at restructuring our loan either as a refinance etc. but we were always told that it was impossible by Green Tree representatives, when MHA, restructuring etc. was made available under Federal Law again Green Tree advised us that a Refinance within the company was impossible, although they offered loan products of all types, My mortgage has always been paid on time we have never had as much as a day late mortgage payment all we ever wanted to to do was take advantage of lower interest rates, Our home was purchased in XX/XX/XXXX and it is a mobile home but on a fixed foundation and considered real property by the county within in where we reside Our interest rate is 7.79 and Originated with XXXX and was sold apparently to Green Tree in which our nightmare began early this year I filed a complaint with the Tennessee Consumer Division, because although our mortgage has always been timely and paid in full Green Tree hounded us by phone almost daily after being notified division in ( which Green Tree stated in an out right Lie they never contacted us, ) advised the STATE OF TN They would put us on a no call list, etc. I would just like to know why our loan through GT Servicing does n't even qualify for Bi-Weekly payments or any change for that matter, I have been told every time I spoke with Green Tree where I called that we could n't modify at all period Why, no one at Green Tree would explain to us at all just simply that we couldnt change anything, I 'm not asking for my mortgage to be paid for me I just dont understand why we are discriminated against by this company under the MHA Law or any other aspect of our Loan
I have an account for National Credit on my credit report and don't remember ever having an account with this company or the company it was sold from, XXXX XXXX. 

I want I want National Credit to to mail me my original contract that I signed, proving this account actually belongs to me. 

They need to produce me a copy or remove the lates from my credit report and stop all collections.
I have paid off my XXXX XXXX consumer loan accounts, XXXX and XXXX. It 's been over 5 months ( XXXX ) and 2 months ( XXXX and XXXX ) and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank. 
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. 
I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.
I have received numerous emails from the company always from a different person about my loan. I am not even a month behind and paid half a payment this month because of financial hardship. I told a person earlier today through email that I would pay the other half plus get caught up completely as soon as I got my pto payout from my former job and should not have any more issues after that if they would be patient for approximately another 30 days. Later this evening I received another email from a different person telling my my car is on the national hot list for missing cars and repossession has begun. The email stated that there is a XXXX out on me and the car. I have asked them to call me instead of emailing me also. They say they want to work with me yet they continue sending emails. This last email was totally unprofessional and threatening. I simply asked for some time and a change of due dates and an extension but this has not worked.
I have been paying ahead on my loan sending in additional money writing on the money order and sending a letter with each additional payment that these were principle only additional payments. I called on XX/XX/18 for a pay off and to inform them that they other money I sent in was for principle only. They informed me it would take 3-4 days to fix the payments and then another 3-4 days to give me a pay off. I informed them that this was unacceptable. I would be paying interest for almost 2 more weeks because they can not figure a pay off. I want a pay off so the interest is stopped. Please help! The so called expert that has been helping me can be reached at XXXX push 1 ext XXXX.
This is in regards to Equifax statement of dispute about a Public Record that IS NOT CORRECT!. 

They have a Public Record on my credit which is not correct. I sent documentation to along with my dispute to show what they have is incorrect : Meanwhile I find it VERY hard to believe that they " verified that this public record item is reporting correctly and verified that this item belongs to you. '' in a little over a week.. I DONT THINK SO! 

I also question why they fail to leave there phone # or any contact info after the part where they say '' If you have additional questions about this item please contact ''. 

And this is what they said about Inquiries I disputed, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' This is clearly a matter of them not doing there job, I say this because I send in the documentation to show I do not owe any one.
This is the XXXX time I have written you about CitiGroup. I have a Best buy Card that I have closed. When I closed the account, they charged me for all of the interest that was went with the promotions on the items I bought. A few months ago, I wrote you to tell you that they had been charging me for a program I had never signed up for that was to protect me if I ever lost my job. Well, after they got your letter ( and after I informed them that I had lost my job ), they refunded me {$200.00} for the program that I had never signed up for. I paid a lot more than that for the program. But as soon as they found out I lost my job, then they were willing to back out. What a rip off. So now, I checked my card activity and they have charged me {$200.00} in XXXX for interest they say was from a promotion. I already paid that when I closed the card. I think I need a lawyer. I need help. I ca n't pay this off if they keep messing with me. Please, Please help me with this problem. If you ca n't do anything, then please refer me to a lawyer that will. 
Thank you. 
XXXX XXXX
Conns has called me times a day for a week straight from different numbers trying to collect a dept i agreed to pay this past Friday. But now in at the point ive been harassed by them and dont believe i owe them anything now.
Man named XXXX XXXX from " the legal outsourcing department '' calls from # XXXX. Stating its in my best interest to call back, he has faxed my employer preliminary wage garnishment forms and spoke briefly with my supervisor ... If I do n't respond to item number XXXX, so they can obtain an official statement from me, they will report back to their client to initiate legal proceedings. Number to contact is XXXX. Stated in another message that there are XXXX complaints stemming from my checking account. Their office has been retained to review and prepare this file for litigation against my name and ss # with my local county ( he names my county. ) before such files can continue, we are required by federal, state as well as county law, to show we have made every attempt to contact you and afford you and opportunity to resolve the matter voluntarily ... He goes on and on reading what he 's supposed to ...
Due to the latest massive credit breach, someone, through fraudulent means tried to establish a line of credit using my information. the day was XXXX XXXX.
Chase bank has been contacting me repeatedly at least 5+ times per day to discuss my credit card debt that I am already aware of. They have changed their phone number twice and they have called me on a Sunday evening. I have it documented on my phone that they left me a voicemail on Sunday XX/XX/2018 at XXXX. No debt collector has ever called me this late and their phone calls have become a harassment. 

Their phone numbers : ( XXXX ) XXXX - XXXX, ( XXXX ) #
A company that I have a loan through, Security Finance, has done a hard inquiry on my credit report several times since the initial loan. The original loan was applied for and started in XX/XX/XXXX. Since then they have done a hard inquiry on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with someone in the office and they insist that they have only done soft inquiries, which they are allowed to do. However, it is obvious to me that they are routinely performing a hard check on my credit without my permisison. Because they refuse to accept their error and cease this action, I am filing a complaint to have these removed immediately by them.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
on XX/XX/2018 at or around XXXX I wanted to redeem a promotional balance transfer to my credit card ending in XXXX. I clicked on the offer displayed under XXXX ( labeled XXXX XXXX ), another window popped up to enter entered my balance transfer info & clicked submit. On the confirmation page of this balance transfer it stated that they initiated this under my other credit card of ending XXXX which is incorrect and not my intention. 

This complaint is to USAA Credit Card Services. I called the executive resolution team 8 times and spoke with them for at least 6+ hours over a week and they refused to honor the original offer for credit card XXXX and would not cancel the transfer or fix the error by the system. The also offered fixes or solutions that would cost me additional fees as the only solution. 

They also stated that there was a block on my XXXX card and that their system automatically selects the other card instead of denying the balance transfer even though there was no offer on the XXXX card and there are different interest rates. They locked me into a balance transfer to the wrong account and terms without my legal consent and refuse to honor the original offer. 

This was a deceitful and was very confusing act as my intention was to apply for this promotion for card XXXX and not XXXX which their ( system ) automatically selected and processed while I was on their mobile app.
I received a copy of my credit report and I notice a hard inquiry was fraudulent, I immediately contact Equifax to let them know about this and to placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report XXXX XXXX XXXX XX/XX/2018
I have been trying to dispute this on my credit report. XXXX is reporting me as failure to pay. I have made over XXXX {$25.00} dollar payments. I have tried to upload a copy of XXXX check that represents over 65 such payments to XXXX. Yet, experian just goes by what XXXX is reporting. what about these 65 payments I have made and have proof of? Why is n't XXXX reporting that? i ca n't get anywhere with Experian and their dispute system and it 's negatively impacting my report.
I USED MY VA BENEFITS TO PURCHASE OUR FIRST HOME HERE IN XXXX. AFTER SOME TROUBLE WITH THE MORTGAGE BEING BOUGHT BY PENNY MAC WITHIN 15 DAYS OF MY SIGNING THE PAPERWORK, AND WHO DID NOT INFORM ME WITHIN THE ALLOTTED TIME THAT WAS NECESSARY, WE THEN WERE CONTACTED BY A XXXX XXXX, A Senior Counselor FOR XXXX ( Cell:XXXX, Dir or Txt : XXXX T : XXXX xXXXX F : XXXX Email : XXXXXXXXXXXX | XXXX ) WE PAID {$3500.00} TO THIS PERSON TO HELP US REFINANCE/MODIFY OUR LOAN BECAUSE WE WERE PAYING 4.25 % INSTEAD OF 2 % THAT WE WERE TOLD I SHOULD BE AS A VETERAN. HE THEN IN TURN SUPPLIED US WITH " ATTORNEYS '' TO HELP US WITH THE MODIFICATION. THEY WERE : XXXX XXXX ( tel : ( XXXX ) XXXX x XXXX XXXXXXXXXXXX ) AND HER PARTNER XXXX XXXX XXXX ( XXXX ) XXXX x XXXX ( XXXXXXXXXXXX ) WE HAVE ALL THE DOCUMENTATION, EMAILS AND PROOF OF ALL CONTACT WITH THESE PEOPLE.THEY DID NOT REPRESENT US AT ALL!! WE FILED COMPLAINTS WITH THE DA 's OFFICES IN CO AND IN CA. WE HAVE ALL THE DOCUMENTATION. 
OUR HOME WENT INTO FORECLOSER WITHOUT ANY HELP FROM THESE PEOPLE, WE FOUND OUT THAT THEY PRETENDED TO BE MY WIFE AND MYSELF WHEN PENNEY MAC TOLD US OF THE PHONE CALLS THEY RECEIVED FROM US DURING THE TIME WE WERE NOT ALLOWED TO CONTACT PENNEY MAC. PENNEY MAC WOULD NOT SUPPLY US WITH ANY PHONE RECORDS WHEN WE ASKED FOR THEM. XXXX HERE IN COLORADO TEL XXXX ( XXXXXXXXXXXX ) STOLE OUR HOME KNOWING THAT WE FILED A MORTGAGE FRAUD AND IDENTITY THEFT CHARGE AND REPORTED THESE PEOPLE TO OUR LOCAL DA OFFICE, WHO THEN IN TURN TOLD US TO CONTACT YOU. WE WANT OUR HOME BACK!! 
THESE PEOPLE STOLE OUR MONEY AND THEN OUR HOME. XXXX KNEW OF THESE SCAMMERS AND STILL TOOK OUR HOME, WE DID N'T HAVE A CHANCE TO GET THIS RESOLVED BEFORE WE WERE FORCED TO LEAVE. MY WIFE AND I LOST OVER {$100000.00} OF SUPPLIES, STORAGE, AND TOOLS, RENOVATIONS FOR MY WIFE 'S XXXX TOTALED IN EXCESS OF {$75000.00}. PLUS OTHER MODIFICATIONS WE DID ON THE HOUSE XXXX WE LOST OVER {$100000.00} OF EQUITY IN THE HOME. 
WE HOPE YOU CAN RECTIFY THIS LOSS BY GETTING THESE PEOPLE TO REIMBURSE US THE MONEY THEY STOLE AND OUR HOME. MY CREDIT IS TRASHED BECAUSE OF WHAT THESE PEOPLE DID. WE CAN NOT BUY ANOTHER HOME FOR 3 YEARS AND MY WIFE IS XXXX AND RENTING A HOUSE HERE IS TOO EXPENSIVE.AND IS GOING UP BY {$1000.00} PER MONTH XX/XX/XXXX. WE HAVE ALSO BEEN TOLD THAT WE STAND A GOOD CHANCE OF GETTING OUR HOME BACK AS WE WERE VICTIMS OF FRAUDULENT ACT, WE CAN NOT AFFORD AN ATTORNEY AND CALLING COLORADO LEGAL SERVICES HAS GOTTEN US NOWHERE.. 
PLEASE HELP US, AS MY WIFE 'S HEALTH IF FAILING. 
WE WANT OUR HOME BACK!! 
PLEASE HELP US. 
YOU MAY CONTACT MY WIFE ON XXXX OR ME XXXX. 
MY WIFE CAN GIVE YOU ANY FURTHER INFORMATION YOU MAY NEED. 
THANK YOU XXXX AND XXXX XXXX
I purchased a washing machine from Sears. When I received the first statement it was advertised that if I opt for a " paper-free statement '' I will get {$5.00} statement credit. O made that selection through the Sears credit card website but did not receive any credit. I called the Sears credit on XX/XX/XXXX and talked to operator by name XXXX who said that the credit would appear after XX/XX/XXXX. I printed my statement from the website yesterday, XX/XX/XXXX and there was no any credit.