WillisBack/dataset-financial-user-claim huggingface dataset:
I recently discovered an alleged judgement filed against me from The Law Office of Macdowell and Associates on behalf of XXXX XXXX XXXX XXXX. This is very frustrating and concerning because according to the law office they sued me in XX/XX/2011. 
I have never ever been served with legal paperwork or notified about this legal matter. They are now more than doubling the alleged debt and attempting to collect {$25000.00} from me for a vehicle I never even had. This vehicle was my brothers truck whom I lost communication with years ago. I can help them find the truck if they wish or if they would have reached out to me, but to file a lawsuit against me and not even notify me is extremely abusive and seems like an attempt to inflate the debt. 
I contacted both XXXX XXXX XXXX and the Law Office of MacDowell to try to get a reasonable explanation as to why I was never personally served. I was met with an extremely disrespectful debt collector who belittled me and attempted to insult me for having such a large debt. Well I certainly would not have a large debt if they didnt sue me in secrecy and allow it to accrue interest for 8 years!
On XX/XX/XXXX I made 2 payments towards my principle and interest of XXXX the total payment was XXXX I was advised on a recorded line that once the 2 principle and interest payments have been applied I will be due for XX/XX/XXXX and XX/XX/XXXX payment. I received a letter of default onXX/XX/XXXX advising I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. I called in the evening of XX/XX/XXXX as soon as I received the default and representative advised he sent in a request to have this corrected. I call in on XX/XX/XXXX and was  advised by a manager this will not happen when I spoke with manager day before and was advised this would be corrected. If you go back and calculate the p & i payments that I have made since XXXX my loan should only be due for P & I for XXXX. Which that makes me have a shortage in my escrow account which I will make a lump sum payment in XXXX to bring current. 
I was advised by the representatives from select servicing portfolio to make p & i payments to bring mortgage current and that's what has been happening only to find out today that ever person I have spoken to since XXXX per the manager has been incorrect.
For a period of time, my mortgage was underwritten by Wells-Fargo ( because mortgages are allowed to be bought and sold freely with no input from the customer ). How do I know if I am one of the people who has been wronged in this fiasco? Will Wells Fargo be forced to somehow publish the names of its victims so we can look ourselves up? 

The action of Well Fargo is likely to have damaged the credit ratings of many, many people. Today credit ratings are vital to most every aspect of a person 's life, since they are used as the basis not only judge whether you can receive a particular mortgage or car loan, but they are used to approve rental applications, financial aid for education opportunities, and to determine employability by many employers. Something must be done to restore the proper credit rating standing of these people. What can I do to find out whether Wells Fargo 's action affected my credit rating and how can I fix that damage? 

I know that Wells-Fargo has been cited and fined for defrauding the public, but I am asking that you also pursue them for each and every case of *identity theft* in which their staff engaged when using the names of customers to open accounts without the customers ' knowledge. 

Thank you
This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance charge.
I have filed a previous complaint about this company. Complaint number :  XXXX  on  XX/XX/2017   . They admitted to purchasing the debt from a company called  XXXX . They admitted to attempting to collect the debt they had purchase. They sent me mail containing information of a car purchase. Non of the information mailed to me contain a contract between me and NCB management. I have notice this collection has come off of my  XXXX  credit report, yet remains on the other bureaus credit report. As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  NCB MANAGEMENT SERVICE l icense. I have found they are in direct violation of  TENNESSE  FAIR DEBT COLLECTION PRAC TICES ACT 62-20-101. NCB MANAGEMENT SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescr ibed by the board.  TEN  NESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. NCB MANAGEMENT SERVICE is in  direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA XXXX
On XX/XX/XXXX, Midwest Service Bureau, located in XXXX, KS call me AT WORK trying to discuss a debt owed. I told them I was at work and to stop calling. Then on XX/XX/XXXX, they called me again and I told them AGAIN to stop calling me at work and he preceded to talk over me acting like he did not hear me. My boss then got on the phone and she told them this was a place of business and to stop calling here. He was trying to argue with her and she cut him off stating to him they are NOT allowed to call at work. He again tried to argue, but she told him to stop calling. 

The amount owed is less than {$200.00} - which technically my ex husband owes according to court papers and Midwest Service Bureau was told that also.
my husband and i paid off the mortgage and he was the XXXX on the loans. he was XXXX of XXXX when a real estate friend coned him into a {$55000.00} loan at 15 % interest short term. the agent used his brokers mortgage company to secure a loan against my house which of course was quit claimed to me before my husbands death. the agent forged my signature on XXXX form that had to be signed by me in the loan package, without my consent or knowledge and then the loan was moved to a different bank. i made monthly payments after my husbands death until i paid so much and the balance never seemed to go down much also i put extra money towards principal and i dont think the bank applied it correctly. i have scrutinized apprx. 10 years worth of monthly statements and found errors in the banks work. XXXX year i was billed XXXX times for the same month and made the payment. the realtor has thrown money occasionally and some within the last year, but the terms of the loan state that in the event of default he is responsible for the entire amount interest and attorney fees. i am facing foreclosure on XX/XX/2016 for default on a loan that is not even mine. im not sure if the bank that gave the loan is at fault the realtor that took the money or the person who notorized the signature. i wasnt even there but it was my name and the realtor admits doing it. i also had the signature analyzed. please email me back. thanks, XXXX
Subject : Payment Posting Company : Home Depot attach is the statement which I honored the {$25.00} due which was due XX/XX/XXXX, it was paid XX/XX/XXXX and cleared ; However when I went back on line to observe how payment was applied it wasn't applied to promotional balance ( XXXX, ends XX/XX/XXXX ) and it should have. Now, on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I made additional purchases totaling {$100.00} which will show up on next statement and per term & conditions of Home Depot you have 25 days from close of statement to pay in full and not incur any interest. When you look at my total balance on line it reflects promotional balance ( {$2100.00} ) the purchases couple with interest they have already added on from purchases ( {$100.00} ).  The purchases were made after the close of statement XX/XX/XXXX-XX/XX/XXXX. I did try calling customer service/credit dept. of Home Depot, after speaking with representative & alleged supervisor, I was unable to resolve. 

Please, I need your intervention. 

All correspondence please send to my private email address which is XXXX XXXX
On XX/XX/XXXX, I tried to use my debit card to withdraw available funds. I received repeated denials at more than one ATM. I called Discover Bank and was told that my card would no longer work and I would have to wait 7 days to receive a new one. 

I told the bank I needed access to my money more quickly and asked them to waive fees for a cash advance or other solution but they refused. 

Therefore I was unable to use my funds I also still have not received a new card as they had promised.
Thought I was getting a Free Credit score. 
Website somehow charged {$1.00} I was then manipulated into signing up without knowing I was ordering a trial subscription. 
A few months later I noticed the charge on my CC. 
Since I never intended to order anything, I disputed. 
They agreed to cancel but refused to refund.
Last week I tried to get my yearly credit report and was not able to get my report from transunion and XXXX. I answered all security questions and still no report called the number that was provided no help there
Good Mor ning- I made my payment to Bank of America and found out last week that Bank of America cancelled my payment because my mortgage had been sold to another loan servicer. I had not been notified of this  and now have no idea where to send my mortgage payment. I received a letter from Bank of America dated  XXXX / XXXX / 2017 . I had been off work on medical leave and did get  behind three months. Bank of America received all documents including but not limited to medical records, FMLA,   pay stubs etc. I have no idea where the process is currently with the past due payments, HOWEVER I began making payments again in  XXXX  and they have been accepted by Bank of America. I have no idea what to do or who to make payments.
LOAN DISCLOSURE FRAUD ~ ILLEGAL PURCHASE AND SALE OF A FRAUDULENT LOAN. 

ATTACHED IS THE HUD STATEMENT FOR XXXX, XXXX FL. IT WAS DISCLOSED WITH ESCROW ITEMS LEFT OFF, MAKING THESE ELDERLY CONSUMERS THINK THEY WERE SAVING MONEY WHEN THEY WERE ACTUALLY BEING RIPPED OFF. 

NATIONSTAR AND XXXX HAVE BOTH WENT ON THE RECORD AND STATED THAT LOAN FRAUD IS PART OF THEIR DAILY BUSINESS PLAN. THEY HIDE LOSSES USING FRAUD AND THEY ALSO COLLECT ILLEGAL FEES USING FRAUD ON PAGE 3 OF THIS STATEMENT, ESCROW DISCLOSURE, {$200.00} A MONTH WAS LEFT OFF IN THIS SECTION AND THEY NEVER CORRECTED THE FILE AS REQUIRED BY LAW. 

NATIONSTAR HAS SHOWN ZERO HONESTY AND AFTER DOZENS OF CFPB COMPLAINTS THEY REVERTED BACK TO THEIR STANDARD LIE " WE CA N'T ATTEST TO THE ACTIONS OF THE PREVIOUS SERVICER ''. 

IS IS 100 % FALSE AND 100 % MISLEADING. ALL PAPERWORK IS TRANSFERRED AND ALL SIGNATURES AND FORMS ARE IN THEIR POSSESSION. 

NATIONSTAR CONFIRMED LOAN FRAUD BUT THEY SELL HOMES THEY DO N'T OWN. WE WITNESSED FIRSTHAND AS XXXX, XXXX FLORIDA, WAS SEIZED, MARKETED AND AUCTIONED BY NATIONSTAR EVEN THOUGH THEY NEVER LEGALLY OWNED THIS PROPERTY. THEY CONTINUE TO LEAVE THIS PART OUT OF THEIR CFPB RESPONSES TO US. 

THEY STEAL HOMES, THEY DO N'T OWN THEM, THEY DO N'T CARE. THE THEFT OF XXXX IN XXXX FL IS ALL IN WRITING WITH DATES AND NAMES AND A TITLE COMPANY CLEARLY SAYING " NATIONSTAR DOES NOT AND NEVER DID OWN THIS PROPERTY THEY JUST SOLD ''
In  XXXX     2017, I sent  a request to each Experian,   XXXX   and  XXXX   XXXX  regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows : Experian : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert   XXXX   : Has failed to make any response to the request.
My credit information was used in another state at a XXXX store, increased my limit and was allowed to charge on me, with out a call to me, When I found out and they sent a card in that persons name to my address a few months had gone by, I never had a billing reflecting it, it is now on my credit report as a charge off and past due 150 days! AND account closed at credit grantors request, all this on my report!. This has harmed me to refinance my condo, I have no negative otherwise on my credit, ever, and I 'm XXXX and go back a long time..I want them to get that off now from my reports.. I do have a open account that I 'm paying on shows no problem, of which I 'm paying off soon and will never do business with them again. I had spoke with them about the allowed charging and thought they were taking care of it for me, and now I find this, I feel this happened in their store by one of their employees, since a clerk from my home town store ordered coat from Illinois store gave my info to them in having a coat I wanted sent to me from their store, and it happened after that ... Please can you help me? Sincerely
I applied online for an XXXX Credit Card on approximately XXXX orXX/XX/2018 
I have never once used the card and called and asked them why i would be getting a charge for the card when I have never once used it. When I called XXXX they said they would do a fraud investigation and send me the results via mail. The charges that were made on the account were under {$100.00} and they refuse to close this credit card. It was recently reported to my credit report which has immensely lowered my credit score. 
I feel like I am being harassed and refuse to pay for charges that i did not incur. Surprisingly XXXX sent me a second card after I specifically requested them not to. This has caused me undue stress and anxiety and if the charges due continue to keep accruing i will have to get an attorney involved on my behalf.
Only reported to Experian, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by Experian this XXXX. This would only occur upon applying for any XXXX related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XX/XX/XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.
The loan servicing company called XXXX, took over my VA loan, they have screwed it up ever since they have had it, making threats, false statements, failing to conduct an LPO/Audit and Fraud. 

There parent company is Servis One , Inc another fraudulent company
This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections.
While my husband and I were separated in XXXX, he manipulated me into refinancing our home.He abandoned me and we were behind in mortgage payments because he had been having an affair and racked up bills that i didnt even know about at that time.He promised to help with the new mortgage amount ( also promised that he would end the affair and return home but didnt ) even though he knew I couldn't afford to pay it myself because I became XXXX a few yrs earlier.For the refi the home was appraised at {$210000.00} which in no way was true ( was only worth {$140000.00} ) but this is a perfect example of how & why the housing market crashed in XXXX, and how i became under water with the refi loan.So I got stuck paying for a home worth {$210000.00} at 8 % when in reality was only worth $ XXXX.I 've struggled all this time, filing Chapter XXXX to save my home but got behind again due to the fact that my live-in boyfriend also became XXXX.I need a home forgiveness modification or to refinance at a lower rate for the proper amount of the homes worth.We just need a 2nd chance with the appropriate loan for 2 people that are XXXX and receive XXXX XXXX  XXXX benefits monthly.
EQUIFAX THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN    XX/XX/XXXX    EQUIFAX REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY EQUIFAX CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE   XXXX   INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    - XX/XX/2017 -  XX/XX/2017        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     - XX/XX/2017     XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX
Credit Collection Services   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX  Date  XX/XX/XXXX  Dear Credit Collection Services After viewing a copy of my credit report, I noticed (   XXXX   ) collection accounts placed on my credit report from you in (   XXXX   XXXX   ) Acct #  XXXX  in the amounts of {$270.00} and {$71.00} from  XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely,   XXXX   XXXX   XXXX
I logged in to view my online banking and the top of my account listing it welcomed another person with their account information. 
BB & T Corporation ( Branch Bank and Trust )
We have been involved with a short sale negotiation Chase for 6 months now. Chase is the 2nd lien holder. They have " inferred '' to us that the short sale has been approved for 2 weeks now. When asked directly for a firm answer about the approval, Chase just states that they have a new process in place for producing the approval letters and it is " taking longer '', however the Chase representative will never say " Yes - this short sale has been approved ''. The overall sense is that Chase is not being upfront and we really do n't have any idea what is happening at this point.