WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Bank transferred the servicing of my mortgage loan to LoanCare, XXXX. I feel I was not given adequate notification of this change. I have not received a notice from LoanCare, XXXX. After realizing today ( XXXX/XXXX/15 ) that my automatic payment to XXXX was not processed from my checking account as usual, I immediately went through recent mail to find a letter XXXX, dated XXXX/XXXX/2015 ( received after this date ). The envelope appeared very typical XXXX. Like a statement, or marketing offer. There was no indication that my action was needed, or that there was any urgency to the notice inside. Therefore, the letter went into my pile of non-urgent mail. Despite the nonchalant envelope, there was in fact EXTREMELY important information inside about the transfer of my loan! I then went to the website listed for LoanCare, XXXX to find that I did in fact have a payment due on XXXX/XXXX/15, that I was 14 days late and had already incurred a fee for late payment! Is there anything I can do to recover my late fee? Also, I feel I should receive some basic information about my account balance at transfer, payments, etc. What action should I take? Thank you in advance for any assistance.
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. 

Under the law, they are NOT suppose to do that! That is considered collection activity! 

This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!! 

XXXX XXXX ACCOUNT # XXXX
I participated in the Toyota Motor Credit Corporation Settlement earlier this year, by filling out and submitting ( 2 ) Eligibilty forms on or around XX/XX/XXXX. Those 2 forms were for a XXXX XXXX XXXX and a XXXX XXXX. My loan was for the XXXX. Then I traded the XXXX for the XXXX, a year and a half later. I called the Settlement Adminatrator the next day to confirm they received both forms, and was told they did. On XXXX, I called and spoke to " XXXX '' for an update re : the settlement and was advised to do nothing now. The deadline to submit was XX/XX/XXXX. 

In XXXX, I called for an update re : when checks were to be mailed. But I always got the same answer. " TMCC is still going through the eligibilty forms before any payments can be made, and to keep checking their website for an update ''. But the website only tells you payments will be mailed in XXXX. There is no forther info and the CSR 's aren't so helpful. Well, it's almost XXXX and I have yet to receive any payment or, even a letter stating otherwise. Any assistance will be greatly appreciated. Thank you in advance.
On XX/XX/2016, I was on vacation in Florida with my family. We were pressed beyond measure by XXXX to buy a timeshare. We yielded to the pressure and signed a contract of purchase. However, when we got home, we realized that we made a poor choice which we ca n't afford. We call back to XXXX to cancel it and was informed on XX/XX/2016 that they can not cancel it until we retain a lawyer. I immediately got a lawyer who has written who has written them 2 letters ( one dated XX/XX/2016 and the other dated XX/XX/2016 ). They replied on XX/XX/2016 with the readiness to void the contract. However, Comenity Bank used by XXXX went ahead to place a record on my credit report that has affected my credit markedly and has deprived me of the ability to get a loan for business.
Wells Fargo Bank MasterCard upon reissuing credit card, changed my name on the new card without my authorization. The name on the current card is not mine rendering the card useless. After months of asking the bank ( staff, local bank mamager, finally CEO ) to correct the error back to my name, they continue to require that I submit a written change of name authorization request which I refuse to do as it sets a dangerous precedent. The bank refuses to admit their error and has, so far, refused to either provide me with a copy of a name change authorization that erroneously changed the name on my card or to correct the name back. I 'm at the end of my rope and prepared to persue legal action against bank.
I Received An Email Stating That I Had Been Approved For A XXXX $ Loan On XX/XX/2018. And In The Email Were Some Of My Credentials, But I Never Signed Up Nor Placed An Application Myself Personally With XXXXd/b/aXXXX. Email Said I Would Be Receiving Funds On XX/XX/2018 But I Dont Want My Bank Account To Start getting Charged Interest Rates For A Loan I Didnt Apply For. I Dont Want This Stuff On My Credit History Report. I Think I Am A Victim Of Identity Theft
Back in XXXX sometime I started looking into my credit files more due to wanting to buy a home. I was shocked to find a few items still reporting or reporting at all. So I got to working fixing paying, disputing anything that was wrong which was this account but with another collection company at the time so I disputed it and it came back as deleted due HIPPA LAWS and other info could n't be verified. Now the same account but with a New COMPANY has reported against me XX/XX/XXXX with no letter or statement or simply saying that company has that account. So I tried calling the company after googling the number and the people are rude as all heck and they wont give you any info except for its a past due amount from when you in the hospital or something about the hospital, could n't understand her that well. I disputed it on the XX/XX/XXXX also through XXXX and today XX/XX/XXXX very next day right I dispute this, Commonwealth Financial Systems reported against my credit for late payments! how can I be late on payments when I never had payments nor with this company! How can they report while I 'm disputing this? Plus I have had my name and SSN used so much in the past.
I sent in my loss mitigation packet on the XXXX of XXXX. On the XXXX th of XXXX i received confirmation via email from XXXX XXXX stating that my packet was accepted as complete and in review. I receive this information via mail from us bank on the XXXX th of XXXX, this is more than the 5 days allotted for this to happen legally. I filed a complaint with XXXX and was told tha ti needed more information, this is saying that i should have received this information on the XXXX th of XXXX but i did not. I had contacted XXXX on XXXX, and several after and did not find out that i needed the information until XXXX. I immediately sent in the information via email to XXXX and was told that i was once again in review, more than 30 days after my loss mitigation packet had originally been put in review. This company is not completing my packet in a manner that is deemed timely by the law.
I have been dealing with Navient for the past year. The main issue I have is they call relentlessly even after speaking to a representative and stating I am in the process of a new job where I will be able to start payments. They still continue to harass me. It is one thing to c all once a week if there is debt to collect but I find it completely unacceptable and an abuse of technology to send automated systems to call a personal or work phone 5 times  a day or more. Then to make matters worse it will call any co-signer and harass them similarly.     I would n't be as annoyed and outraged if I had n't already spoken to a representative from Navient several times about becoming employed with a new  XXXX  job and that I will be paying the loans in the next month that I am behind on. Also, I am an   XXXX   XXXX   and work in   XXXX   XXXX   so I understand the abuse they are using by putting personal identifiable information in these perpetual call cycles. Their needs to be regulation around this just as there is with most credit/finanicial and federal law.     The government can be held accountable insofar that yes these are private loans I accrued through Navient. However, how is anybody supposed to pay these loans back when if you do have a " decent '' income and are luckily employed after graduating college when so many taxes get taken out of mediocre salaries. If we actually want to have these loans paid out to private lenders and the government we need to get real with the end-users i.e. the   XXXX   XXXX   millennials who are going to be in debt the rest of their lives. Education level needs to be standardized in pay rate and allow you to be rated into a higher salary no matter what so you can pay back loans. Otherwise the government needs to take less tax from people who owe education loans and put the money they tax out directly on their loans they owe. It 's not difficult but it will be the downfall of the economy if we do not take the education loan debt seriously.
We received a permanent modification yesterday XXXX/XXXX/XXXX from Select Portfolio servicing with terms that was different from the previous servicer XXXX. We initially was approved for a trial modification with three timely payments from XXXX. During the process were assured by XXXX that once we met all the requirements by making all three payments on time, then we would be given a permanent modification with no balloon payments. Our 1st payment was completed on XXXX/XXXX/XXXX with XXXX. Immediately after making the 1st payment, XXXX transferred the rest of the loan modification process to select portfolio servicing. The XXXX told us that transfer is the right of the Investor. Our Investor is XXXX with XXXX as trustee. XXXX promised us that nothing will change with the new servicer and that they will forward all details of the approved to select portfolio and select portfolio is to follow everything done in agreement between us and XXXX. We were stunned to learn of a balloon payment of {$550000.00} due with accrued interest at the end of the maturity date. added to the final documents. This is not what we were promised by XXXX That is who we made our first payment with thereby agreeing to the rest of the trial period which we completely successfully. CFPB needs to carefully look into this and direct this lenders/Investors to stop breaking these laws that are still in effect to protect us consumers. The terms of the permanent loan modification is only 19years that they gave us. WHY? Is this a loan modification or some type of gimmick. why a balloon payment and moreover accruing interest. This is just to prevent us from enjoying all the benefits of home ownership and to leave something to our children a legacy. See attached documents when areas I have highlighted with side notes. Thank you for your immediate intervention. The new modification expires in 15 days.
Working with Global Lending services to get my account back on track has been a nightmare. I have worked with one agent named XXXX to file an extension and to get my loan payments caught up after a layoff from my job. I was told that my account was at 51 days behind and that making a payment of XXXX would make my account current and I could ask for an extension to be added on the end of the loan to help me get back in the black. I have spoken to this agent 8 times since the end of XXXX. On XX/XX/18 she confirmed the extension and the information we had agreed upon. She told me that I could make a payment on XX/XX/18 - after I get paid from my new job - and everything would be fine with the account. Then on XX/XX/18 she called and told me that I misunderstood and that my payment of {$390.00} was now {$840.00} and they could repossess my car. That isnt what we spoke about!!! I told her that. She said that she would look into it. On XX/XX/18 she called and left me a voice message that you can not hear - and I called back the extension number she left according to my vm text - apparently it doesnt not exist. I then called back and asked to speak to a supervisor so that I could get this resolved. He yelled at me that I didnt know what I was talking about. No one by the name of XXXX works there. WHAT? 
She called me tonight XX/XX/18 and told me that one I make the payment of {$390.00} I can then ask for an extension. This is unacceptable. I realize Im late in my car payment. Im catching up as fast as I can. I just started a new job. Im making back payments. Im asking for your help. Not to be treated like a 6 year old eating ice cream before dinner.
I noticed cash advance against my citi bank credit card on XXXX 2017 for an amount of {$140.00}. I called citi about the transaction since it was a fraudulent transaction and the customer service rep. told me that the amount was withdrawn using a cash advance check. When I informed them that I had this was a fraudulent transaction, the bank assured me that they would investigate the transaction. I called the bank again and they told me that they would refund the amount. I asked them to also close the account since I was not using the credit cards and the customer rep. assured me that the they closed my accounts and the issue was settled. 

A few months later I received a letter from citi informing me that they had requested additional documents from me ( I did not receive any additional communication from them ) and since I did not respond to their request they charged me for the {$140.00}. I had auto pay setup on the account and this money was deducted from my bank account.
XX/XX/2015 I closed on the sale of my home. The property was previously in a foreclosure proceeding, therefore my attorneys contacted the bank 's attorneys XXXX to obtain a payoff amount. A payoff letter was sent to my attorney XX/XX/2015. This payoff figure was confirmed by the title closer on the day of closing. 

Approximately three weeks after the closing, I contacted the new owners of the property to determine if any mail was still being sent to my old address. Inspection of the mail I received resulted in my locating a letter sent by regular mail from Seterus ( the debt collector processing my loan ). This letter included the payoff check which was sent to them by the title closer to payoff the loan. The letter stated that the check was being returned because payoff amount was insufficient. 

I immediately contacted my attorney and the title closer. I returned the check to the title closer and called Seterus to determine what happened. The Seterus agent indicated that they had sent a different payoff amount to my address XXXX ( the same date as the letter that was sent to my attorney from their attorneys - XXXX ). When I tried to ascertain how the matter could be resolved the agent said I would have to send a complaint to a fax number, and wait for someone to contact me. The agent also mentioned that interest in the amount of $ XXXX/day would be accumulating. When I tried to determine how long the resolution process would take, no time could be provided. 

There has been significant misrepresentation by Seterus in this matter. I believe this misrepresentation amounts to fraud. Seterus asserts that they sent a payoff statement to me XX/XX/XXXX in a larger amount than that sent to my attorney - a copy of this letter is attached to the statement they sent to my attorney XX/XX/2015 

If the larger payoff amount was on the Seterus record XX/XX/2015 as they suggest, why did the Seterus agent quote the smaller payoff amount to the title closer XX/XX/2015 the day of the closing ( a note to that effect was made by the title closer at closing, see attached ). The evidence suggests, that they recalculated after the closing, and created backdated documents to support their position. This company should not be allowed to do business. If your loan is sold to this company, you are in trouble. 

This company has a long standing record as a bad actor in the mortgage processing business. They are rejecting a payoff that was generated by them and are attempting to accrue additional payments to the tune of $ XXXX/day with no end in sight. I will complain to every possible government agency in an effort to get someone to take action.
I received a letter from bofa about how to remove private mortgage insurance from my loan. The original sales price of the house was {$48000.00} and the current balance is {$37000.00} which means I have just under 22 % equity. The very first sentence in the letter says : current the loan to value ratio of your loan, which is based on the original sales price has n't met the established 80 % LTV requirement which is not true. When I called the number on the letter to inquire the representative contradicted  2 f acts in the very first sentence of the letter - she stated that the  LTV  they like to see is 75 % and it is based on the original loan amount not the purchase price as clearly stated in their letter. This seems misleading and unethical. I was told the only way to drop the pmi is to pay {$520.00} for a new appraisal.
Equifax mishandled the private information of hundreds of thousands citizens and myself. Using their website XXXX, I found that I am someone who 's information was stolen. Furthermore, Equifax seems to be trying to trick people into being unable to pursue any legal action against them. They give us a link to check to see if we are affected, and so by using this link, we waive our right to purse any action. Not only that, but the fact that we have to pay to freeze our credit through Equifax is absurd. The pin you get from Equifax when you freeze you credit can be reset using personal information, which, if you stole someone 's identity, would be easy to reset. Finally, the pin is not randomly generated, it is just time stamped, meaning that it would be very easy to steal someone 's pin if you can assume most people froze their accounts yesterday or today. Thankfully, I put a fraud alert on my account and downloaded my free annual credit report, and saw that nothing has happened yet, however, for many people, their lives could have been ruined today.
There is substantial issues with my Chase Credit Card account. First I reported unauthorized fraud activity on my account and it was not resolved. I never got any claim letter in the mail to sign and return and I was told they did an investigation and denied my claim but they never sent me any receipts of the purchases or reason of their denial. second they told me not make payment till the claim was resolved and they reported late payment to the credit repots on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will not stand for them damaging my credit report for fraud charges I reported and they telling me not to make payment till the claim was completed. The balance on this on account should be {$0.00} and they should refund the fees and interest they have been charging me that were a result of fraud charges.
XXXX XXXX keeps calling me and leaving VMs staying that this is an urgent matter and to contact them at a different number than what is coming up on caller ID. Plus they continue to call my wife, brother in law and sister in law leaving the exact same message even using my name. 
I work as a XXXX XXXX XXXX XXXX and can not change my number as I have emergency calls at all hours of the day/nite. These calls come at hours before XXXX most of the time but can come at any hour of the day. 
The thing is, I have not debit with this company. They shouldnt be calling me anyway!
I filed a dispute with Experian. They did not respond after more than 45 days for a vacation account. I called into Experian and sat on hold for an hour. The rep took my information then said he does see my dispute. He then said Experian did not have to respond and the company said my dispute is not valid. I asked that they send dispute results via USPS. He proceeded to tell me unless I'm sending proof the account remains, I can not dispute again and NO results would be sent to me. At this point I became upset as I know he has to send me results of the investigation for my records. I told him I need results and he simply hung up on me ... without ever filing my new dispute.

I called back and sat on hold for another 45 minutes prior to ending the call. At this time I am drafting a dispute in writing again and sending via USPS. I need a result for this. The account is missing information, has not had in greater than 7 years, and I do not believe it is mine. This account is reporting with so many errors and Experian is the only one reporting it. They won't respond to any of my attempts to dispute this and simply hang up when I call.
I file complaint against Cash Store # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX I still receive SSI check every month. Why I can not afford to pay money back to every two weeks each. I want to pay back amount by cash in every month to the cash store. I need t pay expenses for rent, utility and gas and phone very important. 
I learned XXXX XXXX XXXX has had contact Cash Store without my permission. XXXX XXXX XXXXXXXX called me on this morning. XXXX XXXX XXXXXXXX should not contact Cash Store without me know.Cash store was taking my money from my current bank XXXX without my permission. I have been struggle to pay back to cash store by every two weeks.
For some unknown reasons, Bank of America closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for " business decision '' and they ca n't give any further information. I just need to know what I did wrong so that I can avoid in future banking
I have received 4 phone calls ( XXXX at XXXX XXXX, X/XX/17 at XXXX XXXX, XXXX at XXXX XXXX, and X/XX/17 at XXXX XXXX ) from Capital Management Services. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on X/XX/17. The person asked for me by one of my names, told me he was a debt collector, and said that I owed XXXX/XXXX around {$20000.00}. I have no debts with XXXX and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called XXXX to inform them that this company was gathering money fradulently on their behalf. XXXX said they would forward the information to their security department.
On XXXX/XXXX/2015 at approximately XXXX, I called Central Credit Servcies LLC at XXXX to make a couple payments ahead on my account. The lady that answered sounded like she had difficulty looking up my account. I had to give her my social security number about XXXX times for her to get it clear. Then she acted like she could n't find my account. I 've called before and they have it up on the screen where all I have to do is verify it. Then she said I have to CALL MONDAY to figure out what happened to my account. She asked for my account number, I gave it to her and she hung up. I was n't rude and do not understand why I was treated like this. I understand it was close to then end of business hours but had she not procrastinated, the payments would have been made. I take her actions as payment refusal and feel Central Credit Services LLC should free me from my loan. I called to make a payment and was refused.