WillisBack/dataset-financial-user-claim huggingface dataset:
My loan had been transferred to 3 different service since origination from country wide XX/XX/XXXX ; my loan had adding additional charging drastically ; each time is a new servicing my amount incremented. I need to solved this matter is seams like whenever I tried to get any explanation my loan is sold or transferred. Please helm me ; I do not owed what lenders staying I owed. 
Below a copy of the letter sent to new service SPS. 

XX/XX/XXXX Ref : loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSelect Portfolio XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I am disputing the above referenced debt, please verify this debt as required by the Fair Debt collection Practice Act ( FDCPA ) I was notified by your company on XX/XX/XXXX regarding an alleged debt I have reason to believe I do not owe the amount you claimed because since this loan had been transferring since XX/XX/XXXX from several lenders ; I had been overcharging ; this loan had been transfer to three different service ( including XX/XX/XXXX ) since the time I purchase this property for the amount of {$270000.00} ; Back on XX/XX/XXXX I owed the amount {$230000.00} and balance had been increased drastically ; there is an error on the balance charged. See enclosed documentation with correct amount owed for this loan. Need correction be made ; also I had made payment for the amount of {$1500.00} for the month of XX/XX/XXXX on XX/XX/XXXX. All my payment had been on time. Enclosed proof of payment and copy of escrow forXX/XX/XXXX ; If I need to hired a lawyer and had the court review my case I will had not problem. I am very frustrated the lenders had overcharging me for an amount I do not owed. I need your help to resolved erroneous information that had been dealing for too long. 
I request all of the following information be provided to me by mail : 1- Proof of my agreement to pay the original creditor.
2- A copy of the final Account Statement issue by the original creditor.
3- A Break down of the total amount due, showing principal, interest, and other charged, and 4- For all other charges ; the date of and basis for each charge. 
5- The full name and mailing address of the original creditor for this alleged debt ; 6- Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 7.-Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged erroneous amount and made the correction as necessary. 
Under the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,
A check was written to me and my business from a Wells Fargo account and it was intercepted by a now convicted felon who is in custody of the NJDOC for XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : Purposely XXXX XXXX XXXX XXXX XXXX /2 The check was cashed by him and deposited into his business account. The law firm that owned the account closed the account shortly after this event and was no help in resolving this matter. I filled a complaint against the law firm, XXXX XXXX XXXX XXXX, XXXX, with the New Jersey Ethics Committee. As of this writing, I have not heard anything on the matter and have no idea what the final outcome was. The check was written XXXX/XXXX/XXXX. I handed over all my files to the FBI office in XXXX, to Agent XXXX XXXX, the agent on duty and she stated she would forward them to the appropriate agent/department. XXXX XXXX is the individual that cashed the check, and I can not understand how any teller would allow this unless they were involved or culpable in some way. I did not ever have any access to the check nor did I endorse it over to him. I have never been able to cash or deposit anything that was not made out to me unless it was signed/endorsed by the recipient first. XXXX XXXX, XXXX XXXX, and XXXX XXXX wife were charged by the NJ State Attorney Generals Office and there are numerous charges levied against them in the State of New Jersey court system. 

This was a real estate transaction and as a result of this theft by XXXX XXXX and his partner in crime XXXX XXXX, I am out of {$60000.00} which is outrageous. 

All documents are attached that I feel are relevant, factual and authentic. Some of the documents are official government documents which should leave little room for speculation or doubt. The check image, NJ State Attorney General public document, XXXX XXXX NJDOC incarceration record, NJ Ethics Committee documents and other supporting files.
Below is a copy of the email I received.

LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.

SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that youhas been blacklisted ; yoursocial security number and banking accounts are under investigation thru major credit bureauXXXX.Youwould be receiving the court papers atyourmailing address as well as at employer placeasyoufailed to make the payment as per the agreement.

We are making an effort to several times to help you but you can't understand our concern. Lastly here is an arrest warrant because you had your chance, and now we're not interested with you to resolve this matter so kindly do not waste our important and exigent time.

We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.

Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.

Regards Ace Cash Services ACE Cash Express , Inc .

( XXXX ) XXXX-XXXX XXXX XXXX XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Stand Sincerely, XXXX XXXX Ace cash Express Support
FOR SOME ODD REASON THIS COMPANY THINKS THAT THEY CAN IGNORE A PERSON AND HARASS THEM LIKE THERE IS NO TOMORROW. I HAVE ASKED EVERY TIME THAT THEY CALL AND TO DELETE FROM MY CREDIT REPORT BUT THEY HAVE CONTINUED TO DO BOTH.
I keep receiving phone calls at work from a company called Portfolio Recovery ( XXXX ). My coworkers have also reported that they have received calls from Portfolio Recovery asking for me. I have asked them to stop calling my work number and have told them that I am not allowed to receive calls at work. They called again today at XXXX. I do not know how to get them to stop.
On XXXX/XXXX/2017 a request for my credit was made by capital one bank. This is an inquiry on my credit report that needs to be removed.
Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These were not authorized
case number XXXX XXXX of XXXX this is concerning house on XXXX ohio XXXX about three or four years ago I borrowed {$120.00} our payment was XXXX a month we paid it down to about XXXX to XXXX when OBama came up with the modification loon we thought that would be good so we could have some extra money to help our children. when I called chase the lady said that we had never been late or behind so the only way we could get help was to stop paying or payment when we heard from them they said to send in XXXX.for 3 month trial then they would work out a payment plan then they said that time had lapsed and we would have to send XXXX for 3 month then XXXX then XXXX then XXXX up to XXXX is what they wanted they would n't work with us we ended up in court in the meantime we received a XXXX check from chase for or part where chase had done homeowners wrong. then chase sold us out to XXXX but chase continued to take us court in the meantime raven cook called me and said she had good news that my payment would be XXXX and that included taxes and insurance and that now we would n't have to go back to court.we sent in XXXX or XXXX payments then back to court again I told the lawyer that I had what raven said on tape a couple days latter chase sent our last check on payment back we were in foreclosure the bank bought it for XXXX and turned it over to a realtor then another realtor.i had a realtor to check with them and they said that no one related to us or by marriage could ever get the house back. we had an attorney who was trying to work with us and possibly even renting the house it seams like a night mare.one morning there was knouk on the door it was a sheriff with an eviction notice and people to seat our possessions out of the house I told them or attorney said that we had at lest two moor months but they said today it was raining awful they put our things out in the yard it rained for three days a lot of our possessions ruined our couch is still in the yard where are my pictures & & & my wife is XXXX and I am a 100 % XXXX XXXX veteran I went off to war and thought that we was doing right. XXXX of us died and over XXXX of them that died then. my country let chase bank steal my house this has been very stressful on us both. we also have a son that has XXXX that was affected by losing our house we would have been so much better if we had n't ever heard of a modification loon where is my help many other families have lost their homes also by modification PS I WANT MY HOUSE BACK BEFORE IT IS SOLD FOR WHAT WE WENT THROUGH AND OUR STILL GOING THROUGH WE SHOULD NOT OWE ANYTHING I THANK THAT JPMORGEN CHASE WE SHOULD BE PAID THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX
Hello, I used Coinbase application.

On my Coinbase Account i had XXXX left, so i ordered to send them to my XXXX account on XX/XX/XXXX. 

I have never received the money on my account, so i sent them several emails to aware them. without any response. 

here is the information : Account : XXXX Coinbase account : XXXX Order : Send XXXX From Coinbase acount To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help, XXXX XXXX
i was supposed to close on my home on XX/XX/2016 just to find out that i was not able to do to the fact that the special warranty deed was not completed from Pennymac to HUD ... So now for the holidays Im homeless with my 2 children when i called Pennymac nobody seems to care. I have not splet or ate in days. How could something so simple have me and my children facing being homeless. Ive begg this company to respond ive called all day and been passed around. Please help me time is not on my side with this issue.
PennyMac my current mortgage servicer finally processed my request for mortgage modification. I've been working with XXXX XXXX with Penney Mac with the mortgage company for over a year and they have been difficult to work with and refuse to lower my monthly mortgage. The correspondence with my new modified mortgage payment is XXXX. My previous mortgage payment was {$1300.00}. I was also informed Penney Mac is making a private mortgage insurance claim for the delinquent payments in the amount of $ XXXX.I feel I'm being taken advantage of because you are making a mortgage claim and increasing mortgage my payments. The new payment is more than 31 % of my Gross income. If my payment is based on modification guidelines and my fixed income of {$3000.00} dollars a month, the payment would be {$900.00} monthly including taxes and insurance. I requested this modification because I'm on a fixed income of {$3000.00} and I'm XXXX. I'm also the sole XXXX for my XXXX XXXX father and my son was recently XXXX in a violent crime and was hospitalized for a extended period of time. My son had no health insurance so I'm his XXXX also until he is able to care for himself and I'm having to assist with his medical expenses and medicines. Please Help
I applied to XXXX in XX/XX/XXXX, graduated with an XXXX in XX/XX/XXXX and wanted to pursue my XXXX in XX/XX/XXXX continuing my knowledge in the same field. Unfortunately, all of XXXX got shut down due to fraud and when I tried to continue with my credentials, that I supposedly received already from XXXX, the new institution ( XXXX ) told me no one will be accepting any transfers or credits from XXXX. I am now responsible for a Federal Student Loan through Great Lakes Borrowers and I do n't feel I should be responsible to pay back anything due to XXXX going bankrupt and making promises they never fulfilled also for wasting my time in pursuance of a career that has no credential back up.
I called XXXX 's to complain after seeing a total of XXXX inquiries on my credit report with Transunion. 

I tried to lease a new XXXX from XXXX XXXX which is owned by XXXX 's. 

After being assured by salesman XXXX that they would n't be shopping my credit around multiple banks, I signed the lease papers, only approving them to run my credit for the purposes of a lease. 

The salesman said " we 're not going to send your application to bank a, bank B, bank C, we do n't do that. It will just be a soft inquiry. 

I checked my Transunion credit report and see a total of XXXX different inquiries, when I only approved of XXXX. 

XXXX uses XXXX XXXX for their auto leases. When I was not approved for the auto lease, without my permission they ran my credit through XXXX XXXX and XXXX XXXX. I did not approve them to do this. The financial manager said she tried to get me approved for a purchase. I did not approve of this. 

I spoke with XXXX XXXX on the phone and all he could say was sorry. 

This is a violation of the FCRA for not obtaining permission to run my credit for the purpose of purchasing when I clearly stated I would be leasing.
XXXX # XXXX {$620.00} ... .i have contacted this collection agency and they can not verify this account as mine but it comes back as verified with transunion ... ... method of verification is wrong when i disputed this account ...
I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. AES, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.
The debt was paid through this agency and they said it would be removed and that has yet to happen. They updated the account as paid in full but was supposed to delete. Also said they would fax a paid in full letter that has yet to arrive.
Basically, Ocwen Loan Servicing, LLC., came into our Mortgage, Note by providing a Modification as XX/XX/XXXX. Thereafter the Modification, the new note became : 1. {$84000.00} from unpaid Principle balance of {$58000.00} as of XX/XX/XXXX. 
2. Interest Rate 5.750 % from 7 % 3. Change in Maturity original date XX/XX/XXXX to  XX/XX/XXXX. 
My concerns are : 1. Ocwen forced us to pay Monthly payment of {$1100.00}. How comes such a high payment in a loan less than {$100000.00} and or, {$84000.00}?? 

2. Ocwen filed for Foreclosure after just three months of mispayments, specially in XX/XX/XXXX ; was that lawfully executed in Florida Laws or USA??? 

3. Ocwen 's Escrow account department charged more than {$7700.00} for XX/XX/XXXX Hazard and Flood Insurance, on a roughly {$120000.00} house value ; that was wrong and deceitful. Those Insurance was only cost {$4500.00}. Ocwen  committed perjury to the court. 

4. Ocwen sold the house even after we Filed Chapter XXXX Bankruptcy. Ocwen has abused us, illegally, and unethically ripped off the property. Ocwen has inflated their numbers so it can steal the property. Ocwen has made it impossible to accept payment from us. Please help us.
On XX/XX/XXXX I made a payment on my Capital One Card. I received comfimation that the payment was posted. I made the payment online and verified my correct account information. today Sunday XX/XX/XXXX and I received an email saying I am now 2 months behind and go to my account. Last time this happened Capital One had tried to process with the incorrect account number ( their error ) I have confirmed today with Agent XXXX ID XXXX at Va call centre that I processed the payment on XX/XX/XXXX with the correct information and I have confirmed sufficient funds are in that account. 
XXXX is saying they dont see the message that I am getting avboiut an email saying overdue payment. ( this was what happened previously at first they ere not seeing the error or reject message ) This is very frustrating it will negatively impact my credit profile erroneously and I have to waste my vaulable time chasing this up.
XXXX   XXXX  has made every single monthly payment since receiving a TPP and permanent modificatio n, but Rushmore keeps improperly saying that she is a month behind. Rushmore has sent her a mortgage statement and default n otice indicating she is a payment behind when she should be current. ( Ex. A. and B ).      XXXX   XXXX  received a   XXXX   XXXX   Trial Period Plan ( TPP ) with payments of {$1500.00} beginning in  XXXX   XXXX  from her previous servicer,  XXXX   XXXX . ( Ex . C ). S  he made 3 timely  TPP payments for  XXXX ,  XXXX  and  XXXX  of  XXXX . While waiting for her permanent modification documents, she made TPP payments for  XXXX ,  XXXX , and  XXXX . After she mailed in her  XXXX  payment, she found out that the servicing of her loan was being transferred to   Rushmore. She then continued making TPP payments to Rushmore    for    XXXX ,  XXXX  and  XXXX   XXXX . After she made her  XXXX   XXXX  TPP payment, she received permanent modification documents from  Rushmore in dicating a higher monthly payment of {$1900.00}. ( Ex. D ) Following the terms of her permanent modification, she signed and returned the documents, and began making payments of {$1900.00} starting with the  XXXX   XXXX  payment. Although her  XXXX  payment was initially returned, her attorney sorted this issue out,  and Rushmore  accepted both her  XXXX  and  XXXX  payments of {$1900.00}.  XXXX   XXXX  was notified she needed to sign new permanent modification documents in  XXXX , but the payment remained the same. She signed and returned those documents in  XXXX . ( Ex . E   ).   She made her  XXXX ,  XXXX  and  XXXX  payments in the amount of {$1900.00}. Attached as Exhibit F are copies of every single check  XXXX   XXXX  has paid from  XXXX   XXXX  to  XXXX   XXXX .
my balance is {$6500.00} with discover credit card every time i make a payment of {$130.00} a month {$96.00} of it is evaporated in fee 's and apr i feel like i am beind robbed XXXX by them and they refuse any other payment plans with a closed account. it makes no sence to make a payment of {$130.00} a month to see {$96.00} a month of it hit there pocket. i could understand about {$50.00} to {$60.00} i feel my apr is way too high and discover refuse any other payment plans i asked for 10 % apr and i was told they rather have me defult and charge the account off at a 180 day loss then give me any help.
Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.
Disputed amount owing on Timeshare maintenance fees. Requested clarification of amount for purpose of settling debt. Despite numerous attempts to contact via email, the issue remains unresolved. Apparently my property was foreclosed on without my proper notification or opportunity to settle outstanding amount.
XXXX    XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.
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The only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one. While I do now understand that there is a fee associated with the Security Freeze, I am more interested in the derogatory information being reported on my credit report.
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I have not received any more communication from TransUnion regarding this matter.
MY WIFE AND I HAVE BEEN DEALING WITH CHASE BANK FOR AT LEAST XXXX YEARS IN ASKING THEM TO EXPLAIN WHERE OUR PAYMENTS WENT. CHASE SENDS US ACCOUNTING STATEMENTS WITH DIFFERENT INTEREST RATES FOR THE SAME EXACT TIME PERIODS. THEY HAVE MIS APPLIED OUR PAYMENTS AND WE GET THE RUN AROUND FROM XXXX DIFFERENT DEPARTMENTS. WE NEVER GET ANY SATISFACTION AS TO OUR QUESTIONS. TAKE FOR INSTANCE TODAY, I RECEIVE A CALL FROM XXXX AT XXXX P.S.T. I RETURN THE CALL AROUND XXXX P.S.T. THE MESSAGE MACHINE FROM THIS CHASE BANK PHONE NUMBER STATES THAT MY REPRESENTATIVE IS NOT AVAILABLE BUT IF YOU WANT TO TALK TO SOMEONE ELSE, PLEASE PRESS XXXX. I PRESS XXXX AND THE RECORDING SAYS WE ARE NOW CLOSED! THIS WAS XXXX P.S.T. I CALL BACK AND LEAVE A MESSAGE FOR OUR REPRESENTATIVE TO SAY WHAT IS GOING ON? WHY ARE YOU CLOSED ON A WEDNESDAY AT XXXX XXXX? THIS COMPANY HAS FILED FORECLOSURE AGAINST MY WIFE AND I AND THEY SAY IN THEIR WRITTEN CORRESPONDENCE THAT " THEY ARE HERE TO HELP ''. IF THAT IS THE CASE WHY DO N'T THEY HELP? MY WIFE IS XXXX, I WORK XXXX DAYS A WEEK. WHY CA N'T WE RECEIVE SOME OF THE MONEY THAT CHASE WAS FINED FOR THEIR WRONG DOINGS? CHASE IS REQUIRED TO HELP HOMEOWNERS WITH PRINCIPAL REDUCTIONS OR MORTGAGE RELIEF AS PART OF THEIR SETTLEMENTS WITH THE STATES AND THE FEDERAL GOVERNMENT. I WANT AND I NEED THEIR HELP BUT WE HAVE SPENT XXXX OF HOURS ON THE PHONE WITH THEIR " SUPPORT TEAMS '', THEIR " ESCALATION DEPARTMENT '', THEIR " EXECUTIVE OFFICE '' BUT ONE DEPARTMENT HAS NO IDEA WHAT THE OTHER DEPARTMENT HAS TOLD US OR HAS DONE. IS THIS THE AMERICAN WAY?
XXXX had XXXX XXXX and XXXX XXXX XXXX do an illegal FORCLOSURES with so asset back pass through certificate. Pooling. I recently learned my mortgage paid for these without my knowledge OR permission how do I collect