WillisBack/dataset-financial-user-claim huggingface dataset:
After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX  they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved. 

XXXX
I made a settlement offer with Receivables Performance Management ( RPM ), a collection agency for XXXX XXXX. The settlement was made in XX/XX/XXXX and accepted by RPM, all payments were made in accordance with the settlement agreement. Today, XX/XX/XXXX RPM is stating I still owe the original balance. I have a hard copy of the settlement that was printed from their WEB site that clearly shows the settlement was agreed to and that all payments were made. 

I called RPM and explained this to them and they said they have no such agreement with me. Please help in resolving this matter with RPM. I can provide all the evidence you need to show that they agreed to this settlement and I made all payments according to the agreement.
My husband & I purchased a vehicle through Prestige Financial. We were told that our interest rate would decrease as we paid the payment on time. Never once did we see a decrease. Once my health declined the note would be paid, but sometimes late. Prestige would call everyone listed on our account as a reference & tell them that our car is being repossessed! An absolute lie! They have contacted my landlord whom is NOT & NEVER has been listed as a reference! These people harasses & threaten customers to no end! This is uncouth & subject customers to become the object of ridicule! I have attached a few similar complaints from different customers. This company is referred to people going through hard times. These people only make life situations worse. They belittle customers & talk down upon them. Every customer service representative including the manger, has been extremely rude. This needs to be investigated & put to a stop!
A collections agency named XXXX XXXX XXXX   has been harassing me. They have all of my information which is very upsetting and say they need to collect a debt owed to XXXX. The amount is {$100.00}. I closed out my XXXX phone account 2 years ago and paid everything in full. In XX/XX/XXXXthis collections for {$100.00} showed up on my credit. I went into the XXXX   store and XXXX  said they can not find anything about this and that it is even hard to find info on my account as it has been closed out 2 years ago. They said DO NOT talk to the collections agency and they don't know what this is about.

XXXX XXXX XXXX is fraudulent and will not stop calling my cell phone and harassing me at my place of work. I have already filed a dispute with the credit agency in regards to this fraudulent claim. I want this collection removed from my credit. I would also like this company investigated for fraud and harassment. They have been reported to the XXXX 1603 times for claims of harassment and bothering people in addition to multiple other complaints online.

Thank you in advance for your help with this matter.
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan.  The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
In XXXX of 2015 I requested a payoff quote from Seterus. I received the payoff quote on XXXX XXXX, 2015. Per the instructions of the payoff quote I called the main XXXX customer service number on XXXX XXXX, 2015 to verify the final payoff amount. I spoke to one of the company 's customer service representatives. The representative advised me that because of the payoff amount was so little that I could make the payment over the phone. I questioned the representative about the accuracy of this because the payoff quote letter advised that I had to overnight the payment or wire the payment from the bank. The representative advised that he would need to check with a supervisor to verify. He came back to the phone and advised that it would be acceptable. He then advised that he would need to do two checks over the phone and charged me {$10.00} to complete this transaction. 

On Tuesday XXXX XXXX, 2015 I called Seterus to inquire as why my account was not showing that the loan was paid off. I was informed that the way I made the payment was incorrect. I explained that I was just following the instructions I was given. The rep assured me that she would request to have my payments applied correctly to my account. She also explained that this would take approximately two to three weeks. 

On XXXX XXXX, 2015 my account showed that I did not owe a payment until XXXX XXXX, 2015. I called Seterus again and was told that the payment processing department was backed up in processing my request. The rep advised that he would send in another request and that it would take another two to three weeks for this to go through. 

On XXXX XXXX, I called and asked to speak to a Supervisor. I spoke with a Supervisor and she advised that she would call me back in a couple of days. I called her on XXXX XXXX and she advised that she did not have an answer for me at this time. On Monday XXXX XXXX, 2015 I called yet again. This time I was told the reason my payoff was not processed was because my insurance payment came out of my escrow account, and that I needed to request another payoff. I reluctantly agreed to request one. I was told that the payoff quote would arrive in the mail this week. I never did receive my payoff quote, but instead I received a late notice advising me that my XXXX payment was now late and that I was being charged a late fee. 

At this point I am convinced that Seterus does not want their customers to pay off their mortgages. I have gotten nothing but the run around whenever I call to get this straightened out. I called Seterus again today, and was advised that my request to have my payment applied to my payoff was still being processed and that it would take at least thirty days. We are quickly approaching sixty days since I have paid my mortgage off, and Seterus will not give me credit for that. 
Seterus is now asking for an additional {$840.00} to pay this loan off. They are asking for property taxes to be paid to them. Why would I pay them additional property taxes when I am paying the loan off before the property taxes are due? They just continue to hold my money hostage.
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX Chief Executive Officer and President of Select Portfolio Servicing SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : SPS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MIN # MIN XXXX Property : XXXX XXXX  XXXX XXXX, XXXX Fl XXXX DISPUTE LETTER I am writing you to dispute the following information found in my mortgage. 

Since XXXX  XXXX XXXX was the servicing Bank of my loan, mi mortgage with XXXX XXXX XXXX XXXX, was erroneously assigned to a Pooling and Servicing Agreement that have never been part of XXXX XXXX XXXX XXXX assets, according XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : 1. On XXXX XXXX  XXXX XXXX erroneously assigned XXXXXXXX XXXX MIN # XXXX. Mortgage was executed on XX/XX/XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX, the assigned erroneously to XXXX XXXX XXXX Home Equity, Series XXXX by servicing bank, XXXX XXXX XXXX . On XXXX the servicing was transferred to SPS. 

I am therefore requesting that SELECT PORTFOLIO SERVCING open an investigation regarding this matter and correct, update my mortgage information, as quickly as possible and stop any WRONG FORECLOSURE # XXXX active, under such false information. 

Enclosed you will also find copies of XXXX XXXX MIN # MIN XXXX. 

This error has caused innumerable damages to me and family. 

Failing to fix this XXXX XXXX information in the above matter you may be liable for your errors under your servicing from XXXX to present. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. 
The XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped.
See earlier complaint No  XXXX . Just received a letter from  Citibank  referring to some unknown research it wants to do and looks like it will for the 40th time attempt to delay forclosure sale scheduled for    XXXX   . After 100 months, it has had 8 years to do any research it wants and this is just another attempt to delay the sale to increase the amount the debtors will be assessed to pay over sale price. We are protected from paying because of bankruptcy and any attempt by citi will result in damages from the  Bankruptcy Court a nd it aware of this fact. The issue is we have to pay  XXXX  per month to maintain homeowners insurance for liability. We have paid {$40000.00} for this coverage and been denied any effort to obtain any mortgage on another home for 8 years and will be denied for 2 years AFTER sale so the unnecessary damage to my family  is a miscarriage of justi ce and violates the Bankruptcy intent to provide debtors who lost everything because of the   XXXX   greed of our " too big to fail '' institutions.     Please con vince Citi t o go forward with the sale on  XX/XX/XXXX . Do n't let its continuing delays harm us any further.     Thank You
Hi I can not get hold of Coinbase who have money of mine, I have emailed 11 times over the last 2 weeks with not one response. I have done everything they instructed but still nothing.
My mortgage is/was with Wells Fargo. I recently did a modification early 2016. In the meantime, while going through the modification, a new program was introduced and I inquired about it. I was told that I would be contacted if I qualify. I called Wells Fargo often to inquire because the program stated that the Mortgage company should contact YOU, by XXXX 2016, if qualified. Low and behold, Wells Fargo sells my loan and I never heard anything about the new program. I called the new Loan company and nobody knows what I am talking about. I called Wells Fargo and now they ca n't speak with me about my mortgage because they no longer service it. I asked them XXXX ( mortgage companies ), to let me know, if/why I 'm not qualified to be in the new program, Please just send me justification as to why, because I have reviewed the qualifications and my situation fits the criteria. I need to know why I have not been contacted about the Principal Reduction Program, either way, if I qualify or not. I feel caught up in the middle with nowhere to go.
I have been working with XXXX in respect to a loan modification with my lender Wells Fargo for a few months now. I have submitted all my documentation and yet Wells Fargo keeps asking for the same information or stating that additional and more extensive paperwork is needed in order to review my file. They have all the documents they needed and yet are refusing to postpone my foreclosure sale scheduled for Monday XXXX XXXX, 2016 and are violating my XXXX Rights. I feel as though they are playing this run around game and forcing me to have to go through foreclosure and sell my home. I feel they should postpone the sale and allow me time to be fairly review for foreclosure alternatives. Putting a foreclosure sale and forcing a deadline when they have everything they already need is completely unfair and causing stress and anxiety to my life.
To whom it may concern, To those that follow the markets you might know that XXXX interest rates will rise over the next few years. But if you 're not aware of financial trends, a 1 year adjustable mortgage might sound tempting but it is utterly foolish since such a mortgage will only get more expensive over the next few years. Hence my surprise when XXXX sent me offer to swap my 30 year fixed rate mortgage for a 1 year adjustable mortgage based on the XXXX. Are we going to get into the same mess that brought ruin to both XXXX XXXX and XXXX XXXX XXXX years ago? Why is XXXX offering products that they know are not in the best interests of consumers? Please ask XXXX why they think this is a good offer? Why are they not offering me a 30 year fixed mortgage refinance?
I used J G Wentworth to refinance my homestead at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. They sent me payment instructions for my first payment, so I mailed it in early to make sure they got it. A week or two later they state that they have sold my paper to XXXX XXXX XXXX. I called Wentworth to find out what happens to my XX/XX/XXXX payment and they assured me that it would transfer with the mortgage. On XX/XX/XXXX, XXXX redraws the payment again for {$3500.00} which means I have paid XX/XX/XXXX twice. I called XXXX and they stated they did not have the XX/XX/XXXX payment transfer to them when the loan was sold. I called J G Wentworth and have not gotten a reply. 2 Calls and an email later, no answer. Please help! 

JG Wentworth was a nightmare to deal with on the whole process bty. 

XXXX XXXX XXXX
After paying an initial XXXX dollar for my " free credit report '' through Experian, I was secretly enrolled in a monthly service where I was billed XXXX a month starting in XXXX 2016, I NEVER agreed to do this, in fact they automatically enrolled me in the program without letting me know and never sent a single billing statement, they simply begin billing my debit card for that amount. Experian then raised the amount to XXXX in XXXX again without ever letting me know in any way I was paying for anything. Completely unrelated my bank sent me a new debit card as my old was expiring, somehow Experian GOT my new debit card number and began charging XXXX for this secret service I was enrolled for. I called them when I discovered this charge on my checking account on XXXX XXXX, 2016 and immediately called them to get my money back and cancel this account, they only refunded me a single month back and said I was liable for everything before this because I agreed to this. I never agreed to anything like this, their practice of keeping everything to themselves just proves they were manipulating me the entire time. How is this legal or fair? If a private person was billing someone 's debit card without their knowledge or consent that would be credit card fraud! But because they are a credit reporting agency they can get away it? I am not alone, I googled this scam and hundreds of people are being ripped off by it. I filled a fraud complaint with my bank as I think these charges are ridiculous and fraudulent but I want Experian to be held accountable with the federal government.
According to my recent credit report request from EXPERIAN there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of  the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX XXXX/XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED XXXX  XXXX XXXX XXXX ACCOUNT # XXXX THE CREDITOR NEEDS TO VALIDATE THIS DEBT/ACCOUNT AND SHOW HOW THEY VERIFIED IT OR THEY MUST REMOVE IT IMMEDIATELY. THEY HAVE NOT SHOWN PROOF THIS HAS BEEN VALIDATED
I had a mortgage with XXXX. It was sold or transferred over to Nationstar. I have become past due almost three months which I hope to be able to catch up in the next 60 days because I quit my part time job to be able to cash out my XXXX so that I do n't get much further behind. I am behind on everything. Nationstar has been calling me everyday sometimes twice a day but I have not returned their calls. I received an email from them on Wednesday about a possible home loan modification assistance program. I called them finally to let them know what my situation was. I was advised to fill out the packet and return it ASAP so that I can get some type of assistance as I transition. Currently, I am looking for XXXX new jobs with the hopes of being able to earn more money so that I do n't have to file bankruptcy. I faxed and emailed the documents. The representative I spoke with on Wednesday said to call back every 4 days to make sure they have all they needed. I called XXXX times today to check to make sure they have the forms. I could n't get not XXXX person to answer the phone after making XXXX calls. I called the following numbers : XXXX ( 6 times ) and XXXX ( XXXX time ). Both numbers were listed in the email I received on Wednesday. Half the times the phone rang and stopped, then it never even rang, then it did ring a XXXX times and no one picked up, then finally I got the automated message that this was their " busy '' season and to go on their website. How are these people supposed to help me save my home if I cant even reach them? I think this is all a rouse. A ploy to make it look like they are helping poor consumers such as myself so that they can take my house from under me making it appear as if I did n't submit forms or try to help myself. I do NOT want to lose my home! I am doing everything I can humanly possible to get assistance but I cant even reach these people so what am I supposed to do? I am frustrated and afraid and scared and just want help. XXXX would not offer me any assistance when I contacted them on numerous occasions about trying to lower my mortgage payment. And now I have to deal with a company that I cant even get to come to the phone?! Please help.
My mortgage company ( Wells Fargo ) only uses one appraiser ( XXXX ) to establish the value of my home for the purposes of cancelling PMI. They do not allow the use of any other appraisal company. Wells Fargo contends that XXXX is an independent firm although they are both owned by the same parent company. XXXX ' evaluation of my property value was deliberately based on the lowest value comp in their appraisal and I believe is instructed to do so by Wells Fargo. This seems to be a common issue with Wels Fargo and XXXX. I draw your attention to a pending suit filed by the City of XXXX XXXX for this same reason. XXXX
I have two outstanding issues with UBS. 

1. I have a credit card that normally carries a {$490.00} annual fee. The fee was waived for me because I moved all my assets to UBS, however I was just charged this fee again.

2. I was charged a {$270.00} annual fee for my XXXX XXXX accounts. I was told that this fee is waived if have {$1000.00} in direct deposits in any of my linked accounts, which I do.