WillisBack/dataset-financial-user-claim huggingface dataset:
Loan #  XXXX  Lende r : WF Address:  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   ,  MD  XXXX  I bought this unit and financed it with  XXXX   XXXX   .   Wachovia bo ught  XXXX   XXXX .  Wells Fargo used bailout money during the housing crisis to buy Wachovia. After acquiring Wachovia, WF called m e in  XXXX  claiming that I owed on the account and sent a bill of {$8000.00}. I disputed the bill, stating that the loan was pai d off. Wells Fargo asked me to make a payment arrangement while it researched my claim and that I would be refunded accordingly. In order not to injure my credit, I agreed. WF began drafting automatic payments from my account and suddenly stopped, referred the account to its lawyers to begin foreclosure. I threatened to sue them and their lawyers. Their lawyers withdrew. After a year, Wells Fargo hired another lawyer and claimed that I owed {$43000.00}. I asked for the result of the payoff research th at I requested in  XXXX . It was not until  XXXX  that  WF responded to that request, claiming it has no evidence of payoff. I asked WF why they stopped drafting payments and opted to hire a foreclosure lawyer. WF claimed in a letter that I filed ba nkruptcy in  XXXX  and it forced them to stop drafting payments. I challenged them to produce any evidence of me filing bankruptcy in  XXXX . I told them that the first time I ever filed bankruptcy in my life was in  XXXX  whe n Wells Fargo denied me loan modification on the ground that I had equity in my home and proceeded to foreclose my principal residence. I filed bankruptcy to stop it.    Because of medical issues and  XXXX   XXXX   XXXX  this was causing me, I offered to pay {$6000.00} and be done with this. In  XXXX   WF started again. I threatened to sue and report this to Congress. WF asked me not to and to improve my offer to resolve this. I offered {$10000.00}. More than a month not hearing from WF, I was told that it was referred to its lawyers for foreclosure, $ claiming {$60000.00} on the loan. This is how WF practices vulture capitalism and unmitigated extortion against me and other borrowers.
SPS responded to an inquiry I submitted on XX/XX/XXXX. In their response SPS stated they need documentation to change their position that they are not the Servicer and have no financial interest or any other interest in my home. There are 5 issues at hand. First, SPS continues to erroneously insist that I owe on a mortgage they purportedly service. They have failed to provide proof for any assignments from the so-called trust XXXX Mortgage-pass through security XXXX nor any written proof as required under the Qualified Written Request that the security exists. To the contrary, I have provided proof of SEC documentation that the trust was terminated in XX/XX/XXXX. Additional documents are contained in this complaint. Second, attached are several more written documents that refute SPS claim the Trust or the parent company, XXXX , XXXX- a Delaware Company exist according to the Secretary of Delaware . There is no way SPS can represent the shareholders of the XXXX Mortgage-pass through XXXX if the Trust that SPS claims to represent has been terminated as a business entity ( Secretary of Delaware ) and as a Trust ( according to SEC ) since XX/XX/XXXX Third, SPS claims to be the servicer for the shareholders to the XXXX Mortgage pass-through XXXX Trust. Attached you will find a notarized and recorded document where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust as its Servicer. ( See Attachment page 8 ). Fourth, the XXXX Mortgage pass-through XXXX Trust SPS claims to service is for a Home Equity Loans. The documents ( Deed of Trust ) SPS provided are for a home purchase not a home equity line of credit. ( See attachment-XXXX Structured Finance, page 1, midway down the page ). Fifth, in XX/XX/XXXX, XXXX XXXX filed a XXXX with the SEC where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust ( See attachment-SEC XXXX filing exhibit XXXX, page 3 ). Finally, SPS does not have any financial interest in my property for the following reasons ( not an exhaustive list ). There is no Trust, according to the Secretary of State of Delaware for Corporations and the Security Exchange Commission ( SEC ). Notarized court documents by XXXX proves they are the Servicer of Record for the XXXX Mortgage pass-through XXXX Trust. Documents filed with the SEC by XXXX XXXX states it is the Servicer of XXXX Mortgage pass-through XXXX Trust.
Transunion has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. Transunion allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from Transunion.
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. 
Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, EQUIFAX AND XXXX.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
I had a collection ( original creditor was XXXX XXXX XXXX  ), and it was sold to XXXX XXXX in the amount of {$350.00}. XXXX XXXX hired a law firm to collect the debt in the amount of  {$350.00} ( XXXX XXXX XXXX XXXX XXXX, XXXX ) in XXXX, MA. On XX/XX/XXXX, I contacted XXXX, XXXX XXXX XXXX and Paid the {$350.00} and they sent me a letter showing that my obligation was satisfied in full. They told me to contact XXXX  XXXX in two weeks which would be the amount of time for my check to clear and for them to receive the release. Before calling Midland I signed onto my account to see if the payment had been received and it was ( they showed the {$350.00} broken down into three $ amounts ), only now they showed a new balance of {$190.00}. I called and was told that this would be adjusted and it could take up to 30 days. 
Today, I received notice from XXXX that there was a collection change on my credit report and it shows that my total collections was decreased from {$350.00} to {$190.00}. 
The total was always {$350.00}, I never received anything advising me it was more than that. I have no idea what the additional {$190.00} is for. I would like this changed to paid in full and it's my understanding that they would remove the collection from all three credit reporting agencies. 




Account information Original Creditor XXXX XXXX XXXX, XXXX. 


Merchant or Service provider - Original Account Number XXXX Your Account Manager - PAYMENT SUMMARY2 DATE PAYMENT XX/XX/XXXX {$260.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$85.00}
I have made multiple complaints with   XXXX   for verifying my accounts with  XXXX   XXXX . There are  XXXX  accounts that are currently being reported past the  seven  year period of the original date of delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /   2017  by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.
Dear Sir/Madam : My name is XXXX XXXX XXXX, and I thank the Consumer Financial Protection Bureau ( CFPB ) in its efforts to correct the wrong-doings of the collection agencies and credit information repositories. This is, may be, the only U.S. federal agency fighting on behalf of us the people. According to my friend and credit consultant, XXXX XXXX, occasionally you do a fine job. I suggest that you show our enemies, the debt collectors and credit reporting agencies, who the boss is here. Display your huge teeth and toughness to these no good, nefarious entities. 

This is a complaint I am filing against a debt collector who has violated the FDCPA, and may be even the FCRA rules and regulations. 

On XX/XX/XXXX, I sent a dispute letter requesting validation of an alleged debt to Hunter Warfield , Inc, a debt collection agency based in XXXX, Florida. To date I have received no response from them even though it has been way past the 30-day limit set by FCRA and FDCPA. I have proof of delivery ( on XX/XX/XXXX ) of my dispute communication to the above-mentioned debt collector. The derogatory, however, still remains on all 3 of my credit reports. The debt collectors in this country have no respect for the law nor do they fear any federal agency, including you the CFPB. The CFPB isn't tough enough with these scoundrels. The collection agencies are so cold-hearted and aggressive in their collection efforts that they make the XXXX and XXXX look almost like angels ; they are totally arrogant, unethical and dishonest. The people behind these collection agencies are very nasty people ; they violate the people's/debtors ' right every chance they get. 

Even the last name of this debt collector, XXXX XXXX, matches his aggressive, militant/warring like-manner of collecting debts. This guy XXXX XXXX must have come out from the wrong side of his mother ; he has no shame in showing his terrible face on his company website. Does he take pride in what he is doing? All debt collectors are like this scumbag XXXX XXXX, cold, heartless and compassionless. 
Who or what gives them the right and authority to do what they do? 

I humbly ask that you, the powerful federal agency, resolve this matter for me immediately as it is preventing me from obtaining credit and to move on with my life. 
Please order Hunter Warfield, Inc to delete the derogatory remark from all 3 of the credit reporting agencies pronto. 

Again, thank you very much.
On XX/XX/XXXX I was informed by Wells Fargo Refinance Department that even with a co-signer, they would not refinance my loan. On that call, they told me that I needed to contact the Foreclosure Department for more information about my account. I had begun that process on XX/XX/XXXX because our Wells corporate office contact had offered it as an alternative to foreclosure in a registered letter in XXXX. 
It was on that call on XX/XX/XXXX that I was informed that Wells had initiated their internal process of foreclosure last month, on XX/XX/XXXX while I was in the refinance process. 
Wells Fargo has sent me several XXXX XXXX packages this month, none of them contained a word about the foreclosure process. They did not supply me with information regarding a trustee to contact. Twice they sent me notices that they no longer were paying my property insurance - they have never paid property insurance for me. 
They negotiated in bad faith with me and my co-signer. The foreclosed without written notice. The again have put me, a XXXX woman through a pointless process, wasting my time to prepare my home for a sale in which I can make a profit. My home has over 600K in equity. It is this reason they are trying to foreclose without allowing me time to sell. They are intent on short selling my property out from under me and pocketing the profit. They want my profit and they refuse to work with 3rd party mortgage modification programs because I have equity.
This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.
I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.
XXXX, Transunion and XXXX all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
I requested validation on this account from someone i never heard of in XXXX of 2016. I never got a response from the agency aptempting to collect but fastforward 4 months later i get a letter being sued by this company.
I 've been involved with several complaints against Bank of America and in each attempted response, while they address little to nothing, they have literally now sent me XXXX ( very literally ) XXXX of pages of documents. I wish people could opt out of receiving paper documents especially after receiving them multiple times. So many pages have now accumulated that now simply have to throw all of this in the trash as it 's impossible to shred all of it.
Jh portfolio kept calling me and said that I owed them money I asked them to validate the debt.I never received a validation of debt from them instead they decided to sue me for a debt I never had.i answered the lawsuit and I put in a counterclaim for harrassment and fraud.i sent a certified letter to them and asked them for a signed copy of the contract.i never received this.i have also put in a dispute with XXXX to have this removed from my credit report.
In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with XXXX ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact XXXX. I have contacted XXXX several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.
I suffered a work-related injury in XXXX and am now permanently XXXX. My income has dropped substantially in the past 5 years and I am now on a low fixed income. On XXXX separate occasions from XXXX to XXXX I had zero income and had to use my Sams Club card to purchase food, thus running up debt out of necessity. I am currently in the process of attempting to pay down my Sams Club ( Synchrony Bank ) card, and stopped using the card some time ago. I have always made at least minimum payments and have never missed a payment. Despite this, my interest rate has been unilaterally raised three times in the past two years, and is now at 23.15 %. I called a Sams Club account rep today to file a complaint over the phone, because I am never going to be able to pay down this card when I am paying almost {$50.00} a month in interest and can only afford to pay the minimum payment + {$4.00} or {$5.00} dollars. They would not work with me, which I expected. In my opinion, Synchrony Bank is taking unfair advantage of recent interest rate hikes to gouge customers, especially those who are financially unable to make substantial monthly payments on their accounts. Therefore I am contacting the CFPB to file a complaint through which I might receive some relief.
I am a military member who is mandated to use the CitiBank Government Travel Card GTC. I received a tasking to XXXX from XXXX XXXX to XXXX XXXX, with XXXX trips from XXXX to XXXX XXXX. 

Being on a XXXX, it is common practice to be placed on a " XXXX '' ( see attached policy letter ) for the GTC so that the servicemember can focus on accomplishing the mission and not about billing issues. Additionally, it is a mechanism by which the government was able to provide some relief to the cardholder to provide them adequate time to perform a XXXX mission and address billing discrepancies. Between the several vouchers I filed after the TDY trips, and between payments being applied and transactions posting, I had made what I thought was a payment for the entire balance, which would have brought my account to {$0.00}. 

Unfortunately that had n't been the case. I believe my being in XXXX, in one way or another, affected my ability to receive any notification that my account was past due. No emails were received, no mail was sent to my home address, and no phone calls were ever made to either me or my unit. It was not until late XXXX that I called CitiBank in order to ensure I was authorized charges in a foreign currency so that I could purchase my airfare to my home airport. Lo and behold my card was cancelled, I was assessed XXXX {$29.00} late fees ( in XXXX, XXXX, and XXXX ). Additionally I was informed I was also assessed a {$80.00} " salary offset fee '' in order to have the original balance ( around {$150.00} ) and the assessed fees ( {$160.00} ), bringing the total to approximately {$170.00} ... or about 210 % of the original balance. 

I had contacted CitiBank to advise them of the situation. I informed them that I was XXXX and that I had never been notified, nor had my military chain of command been notified ( a mandatory procedure that either was n't done or was done incorrectly ) about a balance being due, the balance becoming delinquent, and subsequently the card being cancelled. Had I knew there was a balance I would have immediately paid it. Additionally, I advised them I should have been on mission critical status as to suspend payments/delinquency for much of my XXXX and had I been placed on that status I would not have been delinquent. 

CitiBank was unwilling to work with me to correct the issue. I feel they took advantage of a servicemember and did not make a good faith attempt to resolve the breakdown in communication. The GTC program, in my opinion, puts an undue burden of accounting on the servicemember when he or she should really be focused on accomplishing the mission.
I'm getting robo calls from XXXX for debt collection when I have excellent credit and no out of compliance debt obligations. This number is well documented on the internet for harassing people who are not qualified for a debt collection solicitation.
Applied for a credit line increase, was denied due to not using the card enough. Wanted to do a balance transfer away from another credit provider due to agendas. 

Attempted to contact credit provider to override automated denial only to learn that there is no way to talk to a human to make the determination if a credit increase due to circumstances is warranted. 

There should be a way to talk to a person who can make decisions in this regard.
XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX i have been living and owing my property since XX/XX/XXXX still living in the house mortgage through u.s.bank the bank stated they gave me a modification back in XX/XX/XXXX but also i paid one of there attorney a reinstatement fee back then so i been trying to work with the bank to stay in my home since then in XX/XX/XXXX the bank said my house was in foreclosure so then i retained a mediator but the bank wanted me to pay almost 2,000 a month i could not afford that i was not making that much money with kids and also the reason i ended up with the mediator was because the bank was prolonging my modification package so therefore i ended paying the bank some money but i could not afford almost 2,000 a month so there for i kept seeking help but then the bank got to saying my house was sold so then i really could not get help i did not have any body so i went to the deeds of court and they stated i still own my house and my name is on my tax bill and deed so then i filed chapter XXXX and got the arrears down to XXXX through the plan and still made my bank payments yes i was late on 2 payments but i sent them in through the bank u.s.bank now i still can not get help from them they are still trying to foreclose i need help and more understanding the trustee lifted the stay and abandoment but i am still making my payments as of XX/XX/XXXX XXXX what can i do i do not want to lose my home.