WillisBack/dataset-financial-user-claim huggingface dataset:
Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. <P/>Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. <P/>Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. <P/>In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. <P/>The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. <P/>I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.
ON  XX/XX/XXXX  I called One Advantage LLC formally known as Firstsource Advantage , LLC at telephone number  XXXX  about a collection on my credit report I spoke with a rep by the name of  XXXX  that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back (  XXXX  ) again and spoke with a    XXXX   XXXX    that first asked me the spelling of my last name then first name and then my date o f birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from  XXXX   XXXX   XXXX  for a   XXXX   XXXX   that I received on  XX/XX/XXXX . First of all I never received a  XXXX  because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from  XXXX  and she again stated that I received a   XXXX   XXXX  . If I would have received any service for the collection company to know what service a hospital provided if any were provided is  against HIPPA v iolations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again One Advantage remove this insane debt off of ALL  XXXX  OF MY CREDIT REPORTING AGENCEIES (  XXXX ,  XXXX ,   XXXX    )  it 's damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
This is an update from Case : XXXX, but it is an entirely new complaint. As Wells Fargo is a bank with branches all across the United States, local, state, and federal entities all have jurisdiction to handle this matter. 

On or about XXXX 2016, the XXXX Police Department recovered video evidence stating that I was in the bank branch in question near the time I had stated ( XXXX XXXX, 2016 ), and was seen making an interaction with a bank teller. Wells Fargo ( branch ) had until this point, vehemently denied that I was in the bank location at the time ; the branch manager had even said that she viewed the security footage ( before XXXX Police looked at it ) and saw for herself that I was NOT at the bank branch. Wells Fargo did not offer any sort of apology or explanation for this. 

On or about XXXX XXXX, 2016, I had received a mysterious deposit into my Wells Fargo account of {$100.00} ( the equivalent of the cash deposit that I had mentioned in the previous Case ). I went to another Wells Fargo bank branch and a banker gave me a printout of a confidential Internal Deposit Slip, stating that XXXX XXXX ( the branch manager from the previous complaint ) had deposited {$100.00} " to settle accusations by XXXX PD & Exec office ''. When I called up Wells Fargo, the customer support representative denied that Wells Fargo 's Executive offices thought XXXX XXXX was stealing money from her clients and insisted that the amount had been placed into the account to only handle the accusation made by XXXX Police. 

Wells Fargo has generally been non-compliant with the XXXX Police investigation into this matter, and its employees have lied to investigators to try to put this situation to rest. 
Recently, I have received communication from Wells Fargo stating they will close my account, due to me asking the branch manager ( XXXX XXXX ) to comply with investigation and mentioning a potential civil litigation if Wells Fargo would not comply with XXXX Police 's investigation. 

Immediately after I had left the bank branch, I had received a call from an 'Unknown Number '. Picking up, I spoke to a man identifying as " XXXX '', and as the Regional Director of Wells Fargo. He asked if I was " XXXX '', and I confirmed by saying yes. He did not ask me any other details about myself or my account with Wells Fargo in an attempt to verify who I was. He then proceeded to tell me various things about me, such as where I am employed, what my major is in college, and some recent interactions I had made with the XXXX Police department, things that a banker ( or any private citizen ) typically would not know. 

I have called Wells Fargo 's executive offices to ask for an apology ( at the least ). An assistant from the Wells Fargo executive office called me back, saying that since I would no longer be a customer of Wells Fargo soon, an apology would not be necessary. 

Wells Fargo 's continual lack of integrity, coupled with its refusal to take action to correct their employees actions is unacceptable. I ask that measures be taken to ensure that this kind of conduct does not go on with Wells Fargo employees, and does not happen with any other banking institution.
On XX/XX/XXXX of 2016, Fair Collections and Outsourcing called me personally three times ( At XXXX XXXX, XXXX XXXX, and XXXX XXXX, leaving messages all three times, please see attached phone bill to prove this ), my wife three times, my wife 's grandparents, my wife 's parents, and my parents on the same day.

Besides the fact that this debt was erroneous to begin with, this harassment was unwarranted.
This company is continuing to request payment for accounts that I do not owe on. 
{$810.00} from : XXXX XXXX on XXXX XXXX, 2014 on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
My XXXX XXXX loan was transferred to a new servicer, Navient, some months ago. I have several loans and am making timely payments on all of them. My loan serviced by Navient has always been paid through automatic debit. I only periodically check the accounts since I rely on the automatic payments which have always been properly processed. When checking my Navient account today I realized that Navient has not taken out any payments since XXXX 2015. I immediately called Navient to find out what is going on. It appears that somehow my account was placed on academic deferment. Navient was unable to explain how or why. The Navient representative promissed to get back to me in the next week with further information. I am not back in school and I never applied for deferment. Consequently I expected my payments to be automatically debited as Navient as usual. This appears to be a scheme to charge students additional interest. I am really upset because I have been making timely payments and am expecting the principal owed to be going down. Instead, unbeknownst to lenders Navient places loans in deferment and charges interest only. This is extremely alarming and I am determined to seek further recourse to right this injustice. I hope you can assist me with advising what my options are to make this right.
I went out on XXXX form school and NelNet picked up my loan and payed them, now the school is trying to say that I own them money. When I first called them they said that I do not owe them any money and now they say that I do. Now every time I go and check my credit this pop-up. They said that I owe my provider, so I called them and they said that I do not owe them any money.
I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$150.00}
I have been disputing inquiries that were not made by me and they were not removed and no response or actions has been made by the credit reporting company. 
Below are the inquiries that are to be removed : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
On XX/XX/XXXX, I received a fraud police report for 6 fraudulent accounts. The same day I sent a copy of this police report to Equifax, XXXX  and XXXX listing all of the accounts that where affected by the fraud. Equifax received my letter onXX/XX/XXXX. On XX/XX/XXXX Equifax sent me a letter stated " We have researched the credit account : This item has been deleted from the credit file for ALL 6 fraud accounts. I  applied for a XXXX and XXXX credit card on XX/XX/XXXX and my application was denied because Equifax is still reporting a fraudulent Delinquent XXXX account ( {$10000.00} ) which was clearly listed on the letter dated XX/XX/XXXX listed under " this item has been deleted from the credit file ''.
Effective XXXX our mortgage was transferred to XXXX XXXX. In the opening letter, XXXX stated that effective XX/XX/XXXX we were to begin making mortgage payments of {$2400.00} to them instead of the previous mortgage company. T In the letter they state that the amount due is {$2400.00} and that will be the amount of subsequent payments. We paid in XXXX, XXXX, and XXXX. As of a few weeks ago they started contacting us staying that we were delinquent. I called and spoke with four representatives and a supervisor, all of which gave a different story. Initially the first representative stated that because I paid XXXX cent over on one of the payments, that payement went into a supspnse account. He further stated that he email the cash department and they will move the funds and everything will be cleared up. When I started paying the mortgage for XXXX XXXX it was still showing delinquent and I called again. This time a supervisor stated that they sent to XXXX payment to another mortgage company and as a result, we were delinquent. I asked advised home that, as instructed in the transfer agreement, we sent the payment to XXXX every month on tine and did not authorize the payments to be used for anything else. He further stated the the account remains delinquent because they shifted the funds from the suspense account. I have made all payments per the transfer agreement and can provide evidence via Bank XXXX XXXX and XXXX is trying to say we are still delinquent.
This company  XXXX /Comenity keep charging me late fee on account  XXXX . I feel it has been pay off already. My purchase was amount of {$110.00} and up to date since  XX/XX/XXXX  I pay {$160.00}. The amount {$150.00} on this account is all late fee charges. Late fee that my daughter has contact them threw  XXXX  in  XX/XX/XXXX ,  XX/XX/XXXX  and now XX/XX/XXXX and threw the phone to take this balance off since I was diagnose  XXXX . I have been hospitalize since  XX/XX/XXXX  several times. I 've been living with my daughter so I really did n't even know about this bill till my daughter found everything. They told my daughter online to contact them on phone to fix this issue but when she call they deny to speak to her because her name is n't on the account. I spoke to them today  XX/XX/XXXX  to allow me to speak to them. They told me that  XXXX  is n't a valid to dispute the balance due. So we told them to close the account and they ask me if I wanted the account close and I said yes close my account today. But I also see even closing the account the continue charging my late fee.
ConServe, a debt collector for  XXXX   XXXX   XXXX  University, has made repeated attempts to contact me, even after stating that I would like to confirm the existence of such a debt with the University before responding to or continuing any communication with the debt collector. The debt collector then repeatedly called my personal and work phone number  (  on  XXXX  and  XXXX , at roughly  XXXX  EST ). I have not been notified of such a debt, or that such a debt was sent to a collections agency by  XXXX    XXXX    XXXX  University either. Additionally, the Debt Collector 's amount did not match the amount of debt conveyed to me by  XXXX    XXXX    XXXX  University  ( it  was significantly higher ) than the debt owed.
My previous address was XXXX XXXX XXXX XXXX XXXX NJ XXXX, which is correct, however they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX making it sound like a apartment instead of a single family home, which is wrong. Instead of deleting it, Experian puts it as an update, keeping it on my record. What is so hard for them to understand that's it's wrong and I want it off my record. I've complained at least 3 times about this and they are not budging.
XXXX XXXX XXXX is an XXXX yr old woman- capio partners are harassing her and muddying up her credit with a false claim that she owes {$100.00}. for XXXX XXXX - XXXX XXXX for XXXX - co pay. this is over 7 yrs ago and she never got a bill. 5 yrs is the limit of owed bills. she had Medicaid & other ins which paid all bills. this needs to be removed from credit bureau 's. please assist her in the clearing of this bill not owed! XXXXXXXXXXXX
As of XX/XX/2015 I have been unable to access my funds from RUSHCARD. I am 4 months pregnant and I am extremely upset. I had my last paycheck deposited into my account on the XX/XX/XXXX, when it usually is deposited on the XXXX. After going on Social Media I noticed customer complaints about missing money, unauthorized transactions. etc. On the XX/XX/XXXX I requested a block on the card to protect myself from any problems. On XX/XX/2015 my direct deposit was credited to my account. I called RUSHCARD, and was told by a Customer Service Rep that the system was down and they could not pull up my account. I explained that all i wanted was a block removed from my card. She informed me it was nothing she could do. I called customer service and email RUSHCARD everyday for the past 2 weeks. Everytime I called I am put on hold and eventually the line hangs up. Last week I called and was told by a Rep that I requested my account to be closed and they would semd me a paper check for my remaining balance. This is untrue. I never requested account be closed. I called RUSHCARD customer right back, they put me on hold and later call was dropped. I have requested numerous times to speak to a Supervisor, someone that can help me, only to be ignored and hung up on. This does n't suppose to happen XXXX. I have 2 weeks wirhout money, and still no response from RUSHCARD. I am worried about my unborn baby because I have not been able to eat healthy food for the past 2 weeks. My kids are hungry, my car was repossessed, and Im about to lose my storage all because I believed in my country the great USA. I thought this could never happen, but I was wrong.
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX  I received a call I have a past due account on Dicover card which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from Discover I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.
Navient automatically deducted {$230.00} from my Grandmother 's bank account on XXXX/XXXX/2015. My Grandmother never received a bill or notice that this deduction was to take place and neither did I. Her card was set up for automatic debit only for the approved $ XXXX/month. She called to have her card removed and the charge refunded and they refused. My expected monthly payment is {$390.00} on just over {$20000.00} in loans with Navient. Meanwhile, I have $ XXXX/mo due from other lenders ( XXXX XXXX, XXXX ). I do not think its fair to be expected to pay {$850.00} a month in student loans. You would have to Net over 60K in order to afford payments like that. I make $ XXXX/month.
My account skyrocketed after unbeknownst to me i was paying interest only for 5 years and my loan balance never went down!
The company and their lawyer has only given me limited information on the debt, so it is hard to say what it is. I had numerous credit card numbers stolen 11 years ago and didn't find out until the accounts were closed, that it happened. I didn't know what to do. The tactics performed by this company and their lawyers seem unlawful. They are trying to have me arrested, despite their limited knowledge of the account. They can't prove that I owe the money, based on the letter they sent me with all the info. It was only a single sheet of paper. I requested the full file on the account and their lawyer XXXX said that is all they have. They obviously bought the account for pennies on the dollar and are trying to harass me to get over $ 10K from me. They know that I don't hold a job and am XXXX. They continue to harass myself and my parents. One of their employees who delivered a letter to my mother used inappropriate language when dropping off the court hearing request. These tactics need to be looked into, because my poor mother shouldn't be cursed at by some sketchy XXXX they employee. I also find it funny that the addresses listed online for both businesses are the same. Seems like they are trying to pull something on consumers to parade around to be an entity which they aren't. Please help myself and others from further harassment caused by these bottom dwelling low-life lawyers only out to get rich at the cost of people 's livelihood.
Around XX/XX/XXXX I moved homes from one location to another and needed to take my XXXX with me. In a call at that time I was told there would be a fee to transfer service. Upon this, after being a customer for 8 plus years, I told them I would rather just cancel the service as I owed them nothing at the time and was not on a contract. I was transferred to an account specialist whose job it was to save accounts. I told her the issues and she told me they would waive the moving fee and not be stuck in a contract. I made multiple points that I did not want to be on a contract and that I had fulfilled the terms of the original contract and no new contract was signed. Nor was a new contract agreed upon. 

Fast forward to the summer of the following year when XXXX took over XXXX and began raising everyone 's rates. I was done. I cancelled service and returned the equipment. I owed XXXX or XXXX nothing. I owe them nothing today. 
They immediately used threats of the contract to keep me as a customer but I told them to send proof of a signed contract and look at the previous call. They couldn't find proof and the call verified I was correct. This was never disputed by XXXX  or XXXX again. 

Fast forward 2 years later to today XX/XX/XXXX. I get a call from sequium asset solutions regarding the very debt. 

They threatened to destroy my credit regarding the false debt. I called XXXX and they refused to fix this. 

Proof of the contract can not be found. They committed fraud by sending the original contract from 8 years ago attempting to say it was the new contract.