WillisBack/dataset-financial-user-claim huggingface dataset:
I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. 






































XXXX COMPOSE Labels Inbox ( XXXX ) Starred Sent Mail Drafts ( XXXX ) More CollapseHangouts More XXXX of XXXX Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred
I received a billing statement for a debt which was under Bankruptcy in XX/XX/XXXX. I had previously attempted to negotiate with USAA with no results. The billing statement I received stated " Total Past Payment Due '' and " Total Payment Due '' of $ XXXX XX/XX/XXXX. I went ahead and submitted the payment on XX/XX/XXXX. On XXXX I received a cell phone message from XXXX, who was handling the Settlement Agreement, asking to contact her. When I contacted XXXX, she was unavailable, but I spoke with a representative from the Settlement Agreement Department who stated that this was not the total payment due. I told her that I could not afford what they were asking for and to return the checks. She stated that they would return the checks. On XX/XX/XXXX, I noticed that USAA unethically cashed the XXXX checks. I immediately contacted USAA multiple times and was transferred from department to department, placed on hold ( at one point up to XXXX ). Eventually, a representative stated that the statement had been sent out in error. Yet they cashed the checks. I have been trying to contact USAA for answers with no results. USAA is committing unethical practice and would like an explanation?
I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.
Equifax is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegmeent was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX Court, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
I am copying the complaint I made against XXXX XXXX Bank here, as it is the same complaint I 'm filing against Suttell and Associates P.S. Attorneys at Law. 

I became permanently XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX Bank XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX Insurance until XXXX, XXXX, when XXXX XXXX Insurance cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX Insurance since XXXX. Bank XXXX XXXX acquired homeowner 's insurance for the house from XXXX XXXX Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, Bank XXXX XXXX sold the mortgage to XXXX Bank, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that XXXX XXXX Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that XXXX XXXX Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with XXXX XXXX Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to XXXX XXXX Bank on the altered bankruptcy record for XXXX P.S. Attorneys at Law for XXXX XXXX Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a XXXX XXXX Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which Bank XXXX XXXX has sold to XXXX Bank. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an online auction to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against Suttell and Associates. These complaints joint the XXXX already filed against XXXX XXXX and Bank XXXX XXXX. XXXX other note is that, when I asked Bank XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against XXXX XXXX Bank.
I have been trying to dispute the total loan amount that I am being charged for several years. Some of the loans that are lumped in under my consolidation were made during years I was not even in school as well as years that I had already graduated from college. I received an itemized statement from my last servicer, however, then I was switched to a new servicer and they refuse to assist saying that they only can use what they were given by the previous servicer. I have asked for proof of my promissory notes for these loans and none have been provided. I have been experiencing this issue for over ten years.
XXXX XXXX calls twenty times a day. It doesnt matter the time. They left threatening legal actions on voicemail
I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information
I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with XXXX XXXX until XX/XX/XXXX. Prior to that date, XXXX XXXX approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. XXXX XXXX sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to Specialized Loan Servicing ( SLS ). 

I have called SLS on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact XXXX XXXX to obtain the authorization. I have confirmation of receipt for both the fax and the email. 

Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. 

SLS is violating the terms of the modification that was approved by XXXX XXXX and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. 

They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from XXXX XXXX prior to the transfer of the loan. 

The SLS loan number is XXXX The XXXX XXXX loan number is XXXX
I have no idea if this is even legitimate, my bankruptcy attorney told me this could be a scam. American Credit Adjusters keeps calling me saying I owe a debt to XXXX XXXX, and I 've committed check fraud. I do n't have a clue what this is, and if it was legitimately mine, it was in my bankruptcy filing.
On Saturday morning, around XXXX XXXX ( I remember this because she had clients in her office before me and the wait was over 30 minutes, so I went to the Farmers Market and came back ), of XX/XX/XXXX, I opened a Checking account in person at the Chase Bank in XXXX XXXX XXXX, WI. I wrote check XXXX for {$100.00} as my initial deposit. I worked with banker XXXX XXXX XXXX ( phone XXXX ). When I looked online on Sunday, XX/XX/XXXX at my account to confirm my direct deposit from my work paycheck had been deposited, my account balance is {$0.00}. I called Chase corporate and they explained I would need to work directly with the branch. Monday morning, I spoke with XXXX ( the manager according to XXXX ) and she said she would look into it and call me back later on the same day. I had not received a call as of XXXX XXXX, so I called and spoke to XXXX XXXX. She said they could not find any deposit in my account. I explained their rule is that you have to have a minimum deposit of at least {$25.00} to open an account. I sent her my cancelled check ( also attached ), but she said she was not sure what they could do, if anything, to help and they would try their best. I still have not heard back.
I have been trying to receive mortgage assistance from Wells Fargo since XXXX 2015. My wife and I had a terrible hardship with our children and expressed that to the lender with our loan modification request and documentation. We were strung along for 6 months falling more behind to be told that our income was {$4600.00} and insufficient, totally untrue! At the time of this mod request I sent over my XXXX unemployment income and my wife $ XXXX monthly income ( XXXX contribution ) she is not on the loan. That 's {$6800.00} in income with about {$5000.00} in expenses, a {$1800.00} surplus. So I appealed that decision with updated income since I started back to work with current paystubs from my wife and I. Our income between the both of us is over $ 10000 monthly and we were yet denied again. With no explanation. So now Wells Fargo could n't say our income was insufficient because it was n't. So instead Wells Fargo gave this vague response : " After carefully reviewing the information we currently have, we have determined that you still do not meet the requirements for a loan modification ''. That explanation is not acceptable! This lender is XXXX % the reason we are $ XXXX behind because they have wasted so much time with not trying to help. I have been misdirected and misinformed by XXXX different Wells Fargo dept whether to send in payments. I got a different answer from all XXXX dept when I asked can I still send payments. It seems Wells or the investor is looking at a better market and equity in my home and is not willing to help. You can hear and feel it in most all conversations with them. We feel this lender is not being forth right. I called the executive office today and was told that there was nothing they could do, I was trying to set up a repayment plan because we make the money and they said they could n't do that giving no explanation. This lady said that we had exhausted all our options. Are you kidding me, absolutely no help at all from Wells Fargo. We are good educated people who went through a tough time and just need a little help to bring the mortgage current. They have not put ONE plan in front of us to do just that. So at this point we want to make a formal complaint to CFPB regarding Wells Fargo mortgage for : Unfair Business Practices, XXXX Fair Debt Collection Practices Act, Violation of Cal. Civ. Code 2923-2924.5 ( Ca Homeowner Bill of Rights ) and /or Breach of Contract. We want this lender and investor to offer us at least XXXX reasonable 6 month plan to resolve the delinquency, if not a loan modification. We are reasonable people who is not trying to live for free. We want to pay the mortgage, we just need Wells Fargo to accept the payments. Please help and thank you for listening!
Hello, and Please help! I'm not sure where the breakdown is, but : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to me.
XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. 

The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.
Mr.Cooper has been servicing my {>= $1,000,000} loan on my personal residence which my wife, my XXXX children and I have permanently resided for the past thirty ( 30 ) years. 
I had been paying $ XXXX/month, interest only and on XX/XX/XXXX it was changed by them to $ XXXX/month.I was obviously unable to pay a tripling of my mortgage payment and did not pay until in XXXX of XXXX when they gave me a modification but wanted me to pay $ XXXX/mo for XXXX, XXXX, and XXXX in a TRIAL PERIOD before they inform me what the terms of the Modification will be which starts on XX/XX/XXXX. I paid the XXXX.payment to see if I would get more information but have been given none regarding the new Modification Mortgage. 
When I finally got a hold of my Single Point Of Contact after one week of trying, she could not tell me who the Investor of my Note is but that he wouldn't discount the note.She said I would have to contact Mr.Cooper Research Dept. but did not have a phone number or email and that I would have to write to them. 
Before I spend another {$12000.00} for XXXX Trial Period, I would like more information on what my permanent loan will be before I " BLINDLY '' make that payment ... THANK YOU
I previously complained that sls mortgage was threatening to foreclose on my home and sent them the copies from a previous complaint against XXXX XXXX XXXX regarding missing payments. XXXX XXXX XXXX corrected the original issue and gave me a document to give to sls which I provided on XXXX occasions now sls has once again threatened with foreclosure and is now demanding XXXX to keep the house out of foreclosure when I DO NOT OWE IT ... I spoke to there customer service yesterday and again that asked for the documents and I told them they were sent XXXX times and that I will not send it again because it 's been 3 years now and they are to incompetent to correct the issue and to incompetent to read my past notes get the fax number that was provided to me and check with that department locate the documents and fix the issues of the missing XXXX XXXX 2010 payments.
I have previously disputed credit inquiries on my credit report caused as a result of true name identity theft, Equifax has failed to delete or investigate the inquiries.     I have attached a copy of the police report for identity theft.     The inquiries I am disputing are :  XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XXXX   XXXX  -  XX/XX/17    ( ID THEFT )  XXXX   XX/XX/17    ( ID THEFT )
I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail.
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with Honda Financial Services and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to Honda Financial Services and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.
I had previously submitted the following complaint against Navient : XXXX I was informed that the reason they were unable to qualify my payments to the Public Service Loan Forgiveness was because it was made in the wrong repayment plan, Graduate repayment plan. With the new congressional bill signed it appears my previous payments are eligible for the PSLF. Can you please request Navient to review my account in order to report to XXXX XXXX XXXX my current lender. Thank you in advance
I am making this complaint only to make you aware of what I believe is a fraudulent practice on the part of Wells Fargo Bank. On multiple occasions I have made additional principal only payments and although I clearly mark on the payment coupon that the funds are intended for principal only, the bank miss assigns the funds. On two occasions they credited the fund as " unassigned '' both of which delayed assigning the fund to principal by around 20 days each time and this latest payment was partially applied to interest and escrow. Obviously the cost to me is only a few dollars plus the aggravation of having to go to the bank to correct the issue, but the implication for Wells Fargo is probably hundreds of thousands of dollars earned through these seemingly innocuous errors. 

I will again go to the bank to clear the mistake but probably will never know if I paid extra interest or not.
I borrowed {$1000.00} from XXXX in XXXX. I have paid over {$2000.00} so far at every other week payments of over {$340.00}. They also made the payments due before paydays and refused to change it after sending in paystubs. They also would not let me pay off early. The interest charged would have cost me over {$6900.00} to complete. They are not licensed in the state of Colorado and the interest rate is outrageous. I closed my bank account and told them I am done paying as I feel paying over {$1000.00} in interest is sufficient. They are threatening to sue me and ruin my credit by putting it into collections on all three agencies. Thank you!
I was no properly served with a summons, velocity investment & XXXX XXXX XXXX enter a affidavit for garnishment on XX/XX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM XXXX THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XX/XX/XXXX.THEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT  LAWYER ON XX/XX/XXXX
The original creditor, Wells Fargo Bank, sold my debt to a collection agency, and I paid the debt in full in 2011. The agency correctly reported the amount paid in full to the credit reporting bureau - however, the original creditor shows the debt as owing and 'late. ' I contacted Wells Fargo and they refuse to remove the debt from my credit report.
Specialized Loan Servicing is the lo an servicer for my mortgage. They sent me a paper notice that they had messed up my escrow balance in early  XXXX . Since then, I have received no follow-up mortgage statements, as I normally do, to pay my monthly loan balance. I tried to pay the balance online but no one can explain to me how/why I can not pay online. I have called and tried on several occasions to pay the monthly balance of my mortgage and I 'm concerned that they are trying to make me late on my payments and/or have inaccurately accounted for my loan.