WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX keeps calling me everyday, somedays up to 5-6 times a day always from different numbers so blocking their numbers has been very difficult. Today they have called at the following times so far : XXXX, XXXX, XXXX, XXXX, XXXX. I do have an account with them that I owe a balance on but I'm currently working on saving up my money for my bankruptcy lawyers retainer fee. All I want is tor XXXX to stop harassing me with the constant calls.
I received a letter from Convergent stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later Convergent mails me stating they are not handling the account any longer. One week later XXXX XXXX XXXX XXXX sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?
THE ACCOUNT WAS CLOSED AS OF XXXX 2017 WITH A XXXX BALANCE HOWEVER I RECEIVED A STATEMENT IN XX/XX/XXXX THAT I OWED XXXX. I CALLED THE COMPANY AND THEY TOLD ME THERE WAS SOME KIND OF FEE ADDED BUT THEY DID NOT ELABORATE, THEY TOLD ME TO WRITE A LETTER AND DISPUTE THE CHARGE.AND I HAD TO PAY IT OTHER WISE MY ACCOUNT WOULD HOLD BALANCE. I THEN PAID THE BALANCE OF XXXX UNDER DURESS. HOWEVER THE CREDIT CARD COMPANY KEEPS ADDING ADDITIONAL CHARGES EACH MONTH. I WROTE THE COMPANY 3 X AND MADE SEVERAL PHONE CALLS WITH NO RESPONSE OTHER THAN SEND A DISPUTE LETTER.
I originally was going to complete a reverse mortgage on my property but after it was appraised the numbers and information that was disclosed to me wee changed due to the where the value came in opposed to what was assumed by the lender.

ONEREVERSE Mortgage a XXXX XXXX company advised me they would reduce my appraisal cost to {$99.00}. When I realized what was being offered regarding the reverse mortgage and that it would not be in my best interest I decided to shop around for a cash out refinance which worked more favorably for me so when time to transfer the FHA CASE NUMBER XXXX was requested from the new lender, the case number was transferred but not the appraisal that was to be attached. 

I spoke with Onereverse and was advised that the {$99.00} would not be Honored because I went elsewhere and that I would need to pay {$650.00} minus the {$99.00} but somehow was emailed a total of {$550.00}. When I called to pay the {$550.00} they attempted to get me to pay {$650.00} even with evidence of the amount I was quoted. 

I believe there Is something going on with this bank where they are defrauding elderly people like myself and trying to get money out of them. The price I should be paying for this appraisal is the {$99.00} and not be penalized because I chose to go to another lender who had a better program within my best interest. These are FHA mortgages so banks can't make up their own rules as they go.
1. When I agreed to the SAM mortgage change there were many months of payments being held in a suspense account. I was told by Ocwen 's agent that those payments would be credited to the account and to the mortgage balance. The mortgage balance at the time was approximately 140k. The new amount was over 150k because they were charging me for the money they had in suspense. It was never corrected. The real SAM mortgage balance should have been the app.140k minus the principal amounts in the suspense account, minus the mortgage forgiveness. 

2. I last had to turn to the CFPB for help with inaccuracies in my escrow account. At that time the agent from Ocwen informed me due to earlier corrections in my account that I was a payment ahead. We agreed that I wanted that it to remain that I was a payment ahead. Now, I see that I am not a payment ahead, have not missed a payment and want to know where that payment went.
On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.
After the XXXX security breach, I have been attempting to place a security freeze with TransUnion ( I already froze with XXXX and XXXX ). I have used XXXX, ( XXXX ) XXXX, and freeze.transunion.com. 

Every attempt I have made ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ ~ XXXX, and now XX/XX/XXXX @ XXXX ), they take my information, tell me they are unable to retrieve my information and I need to talk to a representative. Their system then 'transfers ' me to a fast-busy signal, which then hangs up on me. 

I also attempted to use freeze.transunion.com. It said there was something wrong with my account, and I needed to call ( XXXX ) XXXX. When I did and went through the prompts, it hung up on me. 

I have recordings of each of these interactions.
Company repeatedly calling my elderly father on his cell phoneeabing messages about my debt. They also call me repeatedly but should not be contacting my elderly father
On XX/XX/XXXX CitiMortgage contacted me regarding a Loan Modification. Citi was already collecting my payment so I agreed. I filled out the package and began the Trial Mortgage Payments which were suppose to be 3 months but ended up being 10 months. 8 months went by then Citi sent me the same Package to be filled out again. 2 months later they denied the modification but took my Trial Payments and never gave me credit to my account. They then stated I owed 10 months worth of full payments plus interest in penalties. Citi then sold my loan to XXXX Mortgage without fixing my loan that they screwed up and XXXX immediately tried to foreclose on my Property. My Property then was apparently sold on the Courthouse steps to XXXX XXXX XXXX which is a part of XXXX but no Bill of Sale exists in XXXX County Court records. Apparently " ASSIGNMENTS W/ ROBO SIGNATURES count as sales nowadays. Long story short, I 've been in & out of court since XX/XX/XXXX fighting these Corporate Crooks on my own because you could n't find an Attorney to take Mortgage Fraud cases in XXXX back then and dealing with there XXXX XXXX XXXX XXXX who have done anything & everything they could whether legal or illegal to STEAL my house. They did illegal listings for the sale of my property on the Courthouse steps ( 26 days ), they have Documents in court with Multiple Attorney Signatures with the same name and more. All I asked for was a Jury Trial but my cases keep getting kicked back to XXXX Court where their was n't a Jury Trial. The XXXX County Court System along with XXXX XXXX XXXX consistently violated my Right to Due Process. I have all the documentation to prove every accusation that I can make. This is Corporate Mortgage Fraud at it 's finest!
On XXXX XXXX, 2014 we contacted XXXX XXXX, Wells Fargo Home Preservation Specialist, XXXX for assistance with our mortgage due to expenses arising from my wife 's continuing XXXX treatments combined with significant damage to our car when a truck lost tread on the interstate. XXXX XXXX immediately began the assistance process and sent instructions for submitting the required documentation, including XXXX pay stubs, my Social Security award letter, XXXX bank statements, and she additionally advised me to download the Homeowner Financial Assistance form. I was to fill-out Page XXXX, the Hardship Affidavit, and the Dodd-Frank Certification. During this setup process, we also spoke with a manager, XXXX XXXX, at extension XXXX, who was eager to help us through the process. I was told that while the Hardship Assistance application was in-process, however, I should not make any mortgage payments since it would unnecessarily complicate the review process, but that our credit would not be affected since we were in the assistance process. Therefore, the XXXX 2014 and XXXX 2014 payments were not made in accordance with these instructions. 
On XXXX XXXX, 2014, I was advised that the Hardship Assistance process was complete and that I was to start payments again effective XXXX XXXX, 2014 in the amount of {$1600.00} for six months, comprising the regular payment plus an additional amount to go towards the two payments that had been missed at the instruction of Wells Fargo 's Home Preservation Department. In addition, XXXX XXXX set up automatic payments for these amounts and confirmation numbers were assigned as noted below:XX/XX/XXXX/14 confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXX confirmation # XXXX for $ XXXXThese payments were all made on time as can be seen in the official Wells Fargo record attached to this complaint. However, it appears that these six payments were all reported to the credit reporting agencies as 30-days late, while the two payments not made in accordance with the instructions received from the Wells Fargo Home Preservation Department were reported to these same agencies as being 60-days late despite assurances to the contrary when I enrolled in the assistance process. 

When faced with a financial hardship, I took the responsible path and immediately contacted my lender to make appropriate arrangements. Furthermore, I fulfilled all requests for documents and additional information in a timely manner and made all agreed-upon payments on time. 

Therefore, in light of these facts, I respectfully requested that Wells Fargo immediately remove these incorrect derogatory reports from my credit record and show the payments as being paid " As Agreed '' which, indeed, they were. Today I was informed that Wells Fargo had " completed its investigation '' and determined that the credit reporting was correct and that they would so note on the credit bureau reports, but add a statement that I did not agree with their findings.
On XX/XX/XXXX 2016 an employee had did a mobile app deposit of {$470.00} and cashed the check and withdrew it immediately. On XX/XX/XXXX 2016 the same employee took the physical check down to the check cashing place and cashed its again. As a employer we re held responsible for the check and had to pay the money back to the check cashing place. However, by law ( UCC/Holder in Due Course and Check 21 ), the Holder in Due Course who cashed the actual physical check is the one who is entitled to payment by the account holder. I have every legal right to demand that your bank recall the funds that were paid on the electronic presentment of your check to reclaim your lost funds. However, you are required by law to pay the Holder in Due Course for the physical check they cashed. Also under The key provision of the Check 21 Act is that it imposes a warranty and indemnity obligations upon a bank issuing a substitute check. A bank creating a substitute check assumes the risk that arises from the creation of multiple legally enforceable copies of the same item. The employee 's bank in the scenario above is deemed to have warranted to each subsequent handler of the check that it will not receive multiple presentments of the check such that it will be asked to make a payment based on a check that is already paid. The Check 21 Act specifically states : ... no depositary bank, drawee, drawer, or endorser will receive presentment or return of, or otherwise be charged for, the substitute check, the original check, or a paper or electronic version of the substitute check or original check such that the bank, drawee, or endorser has already paid. 12 U.S.C. 504 ... 
As an employer we were obligated to pay the money back plus fees, We want the bank to pay us back in full or we will file civil suit and file a complaint with the state attorney general.
I have never lived at XXXX XXXX XXXX XXXX XXXX NY XXXX
XX/XX/18 : claimed to have documents that have been lost since the original creditor sold the loan. the document was something that no longer exists in an attempt to trick me into agreeing to pay.
I have attempted for the last 2 years to work with Ocwen loan servicing in reviewing to modify my current loan. Each time they contact me they claim they have not received any of the paperwork I have faxed/emailed/mailed. This company can give me no reason or resolution as to why they have not received any of my paperwork and due to this they cant move forward with any assistance on the loan.
See attached letter. 

In summary, XXXX XXXX XXXX XXXX submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.
Experian, XXXX and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. Experian claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you Experian claimed XXXX verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.
Over the last few years Navient has not been willing to help me reduce my payments so that I able to keep up with payments to avoid negative reporting on my credit. They would send letters saying call and call me several times a day telling me that they would help with lowering my payments and discuss repayment options and when I would call they would tell me that my monthly payments could n't be lowered. Since 2012 XXXX XXXX/Navient has asked me to pay almost {$900.00} per month, {$730.00} for the private loan and {$130.00} for the federal loan, which is absolutely impossible to pay based on my income and the need to have money to pay for a place to lay my head and eat. I called last Thursday to let them know that I would be in school full time and they told me to send proof from the school, this was the most help I have received in years from Navient, however, that still does n't lower my payment and I will be in the same situation when the semester is over. It has been simply impossible to even try to catch up based on the payment amount requested therefore continuing to damage my credit.
On XX/XX/XXXX I applied for a XX/XX/XXXX Credit Card. I had a XXXX credit score according to XXXX XXXX and a few other free services, and a high income. In a typical application, that would have resulted in an auto-approval on the spot. I was told to wait for a letter in the mail. 

The letter was dated XX/XX/XXXX. It said that the decision not to approve me was based on information received " from one of our Citi affiliates that your relationship has been reviewed and we can no longer service accounts for you. '' According to the terms of the credit product I was applying for, the issuing bank was XX/XX/XXXX. Citi is not referenced anywhere on the application. I would not have applied for the card had I been provided information that Citi was involved in determining my status. Citi closed my account in XX/XX/XXXX without notice or reason provided. I had never missed a payment with them. XX/XX/XXXX should have informed me that account ineligibility with Citi necessitates ineligibility with XXXX as soon as I entered my social security number into the keypad. They did not however, and they subjected me to a hard credit inquiry knowing full well that they were not going to approve me for credit BEFORE they even reviewed my credit. 

Furthermore, I received no supplemental documentation informing me of my rights to request a credit report upon an Adverse Action under Regulation B with the letter.
A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.
THIS COMPLAIN IS REGARDING SOME TRANSACTIONS MADE ON XX/XX/2017 USING ELAVON WHICH WAS RECOMMENDED BY UNION BANK TO PROVIDE A BETTER AND EASIER SERVICE TO OUR CLIENTS. THE INFORMATION PROVIDED WAS THAT WE DID NOT HAVE A LIMIT OF TRANSACTIONSA DAY, UNFORTUNALLY THE FIRST AND ONLY DAY ELAVON WAS USED WITH OUR FIRST CLIENT THAT HAD A PAST DUE BALANCE OF {$11000.00} STARTED THE ISSUE. ON THAT DATE 22 TRANSACTIONS WERE MADE IN LESS THAN 1HR BY OUR CLIENT REQUEST TO KEEP AS RECORD EACH INVOICE PAID WITH IT OWN RECEIP. ELAVON REPRESENTATIVE : XXXX XXXX | Fraud Analyst Elavon | Loss Prevention XXXX XXXX XXXX, XXXX, TN XXXX T. XXXX| F XXXX |XXXXXXXXXXXX CONTACT OUR CLIENT TO AUTHORIZE THE 22 TRANSACTIONS MADE IN THAT PERIOD OF TIME AND TO MAKE SURE WAS NOT A FRAUD, OUR CLIENT ACCEPTED, AUTHORIZE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON REPRESENTATIVE ... 2-3 DAYS AFTER I SPOKE TO ELAVON REPRESENTATIVE AND INFORMED ME THAT SHE AND HER MANAGER DECIDED TO HOLD THE MONEY FOR ANOTHER 60 BUSSINESS DAYS BECAUSE TO THEM SEEMS THAT A FRAUD WAS MADE EVEN THOUGH THEY SPOKE TO THE CARD HOLDER AND EVERYTHING WAS AUTHORIZE. I HAD TO RECUR TO UNION BANK WHICH THEY ALSO TRYED TO GET OUR MONEY REALESE BUT THE REPRESENTATIVE DOES NOT RESPONDE TO THEM. IT HAS PASS MORE THAN 60 DAYS AND STILL ELAVON HAS NOT RELEASE THE AMOUNT, MY COMPANY HAS DONE AND PROVIDED ALL INFORMATION REQUESTED BY ELAVON ( proof : emails and calls ), ELAVON IS RETAINING MY COMPANY 'S MONEY AND THEY ARE NOT PAYING THE INTEREST, THE EQUIPMENT PROVIDED BY ELAVON TO MAKE TRANSACTIONS IT IS FULLY PAID. THIS COMPANY IS MANAGED BY XXXX ( poor english speeking ) OWNERS AND SINCE THE TIME WE HAD A HARD TIME TALKING TO THE REPRESENTATIVE AND SHE AND ME AND MY WIFE NOT ABLE TO UDERSTAND EACH OTHER XXXX CHANGED ATTITUDE AND WAS WHEN SHE DECIDED TO GO UNDER AN INVESTIGATION OF 60 DAYS BECAUSE SHE THOUGHT IT WAS A FRAUD. IT IS NOT FAIR BY HER SIDE AND WE ARE VERY UPSET TO NOT BE HELP BY ELAVON REPRESENTATIVE AND SPECIALLY CALL A FRAUD TO A HAND CLEAN CLEAN. TO US SEEMS IT IS A RACIST ISSUE. UNFORTUNALLY WE LOST OUR CLIENT DUE TO ELAVON ISSUE AND DONT WANT THAT TO HAPPEN AGAIN. THANK YOU FOR THE TIME AND HOPE SOMEONE CAN DO SOMETHING REGARDING THIS CLAIM.
US Bank issued a credit card product for XXXX XXXX. In the card agreement it says, " ... bonus award night exclusively for card members ... '', " enjoy all these benefits after paying {$75.00} annual fee. " I did pay the annual fee for the card and now they are removing the benefit after I 've paid it.
I have received letters from GC Services Limited Partnership -- - XXXX, MI XXXX and XXXX, TN XXXX -- - dated XX/XX/XXXX and XX/XX/XXXX demanding payment for defaulted student loan ( s ). 
They say they have tried to call me but, if they did, no messages were ever left. 
I have read numerous online reviews by other people who were contacted by this company. The reviews reveal many very serious allegations : Among the problems : > payments that were made to GC Services could not be and were not validated or confirmed -- - one victim was told that her " {$3000.00} was never paid '' ; > constant telephone harassment ( 3x per day ) for 6+ weeks ; > claims that the paperwork they sent was not received by GC Services ; etc. 

I am on a fixed income ; food stamps ; and living in a small, subsidized residence. 
I never expected to be in this situation but based on the many other reviews and my own gut instincts, I do not trust these people and suspect only the worst. 

Please send GC Services a " cease and desist '' notification of some sort. 
Thank you for your attention and consideration.
I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with XXXX and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
Called to say they were serving papers and to get out of being served I needed to call XXXX. Checked and there is no case against me.
I have several accounts in which I paid for less than the full amount in which I was sent form XXXX. XXXX, XXXX XXXX, XXXX, XXXX, and these accounts should n't be on my credit report I 've tried on three occasion to dispute these charges but trans union and XXXX wo n't budge only saying that they are verified in which they are not
I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018?
This is in reference to company call Direct Express which I get my Social Security XXXX checks deposited to my account number is XXXX for XXXX reference number is XX/XX/XXXX their phone number is XXXX back on XXXX XXXX my filed dispute I told him that I was in a XXXX from XXXX XXXX till XXXX XXXX I was learning in a XXXX and any charges I was made in between those dates are not mine did n't give me the run around for almost a month now and I told him that I was in a XXXX in a XXXX so there 's no need for the XXXX bus ticket at this moment give me refund of the money that was taken out and investigate and find out later let 's go what was going on because I was in a XXXX for god sake I was
Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program.