WillisBack/dataset-financial-user-claim huggingface dataset:
Recently my payments on my personal loan with Lendmark Financial has went into default. I still try to make at least one payment until I can get caught up on all payments. Recently I wrote Lendmark a letter asking them to stop contacting me by phone and to contact me by mail because the phone were 3 to 4 times a day every day after that I was served with XXXX Court Papers so now they are claiming no payments have been paid and they want the payoff balance. The only notification I received about this action was letter in the mail from the Court. Lendmark only sent me the next month statement and a letter to defer my account.
It is with great frustration that I write for the XXXX time to you. I have also done everything in my power to complied with SPS Servicing co. This is the XXXX time Sps confirms receipt of my documents and when I call again they are requesting same documents again. My attorney on record submitted a motion and it was just denied. Please hear me out. I want to resolved this problem. I am going through this for the past two and a half years. 
I want to keep my home. I went a head and did a forensic review. Apparently XXXX XXXX bankrupt and my note was in the bankruptcy. Where do I go from here? 
All I want is for SPS to come on with a loan modification.
I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). 

By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. 

I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! 

Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. 

Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. 

Thank you so much!!
XXXX XXXX XXXX IS NOT MY ACCOUNT ACCOUNT NUMBER XXXX THEY ALREADY DELETED OFF XXXX   AND XXXX. IM JUST WAITING FOR XXXX
My credit card has been decreased  2 timeshe and the last 2 years and they did it when I have made significant paymento to decrease the ba lance. This last time they said they mailed me a notice  XXXX   XXXX . I decreased the debt by over 50 %. This in turned messed up my credit because I went from over  XXXX  to  XXXX  and now it says I only have {$100.00} left. Which makes it look bad on my credit. I understand that they can do this but it seems like entrapment. I pay all my bills on time and I 'm never late. I have never had a credit decrease and after further research I keep reading this common practice for this credit issuer.
PayPal continues to put my withdrawals from my PayPal balance to my confirmed bank account on hold for indefinite periods of time, without any notice as to the time it will take to complete ( or at least a timeline that proves accurate ), with no way for any human at PayPal to resolve it. The money I have in my balance was needed to pay my bills, and now, I will be late paying them, as PayPal has decided to pad their accounts with their users money in an attempt to gain as much interest on their money as possible before deciding, at their sole discretion, when their " security '' checks are done, sending the users ' money to their account. 

A call to PayPal lead to poor customer service, and upon asking for a manager, I was put on hold for nearly 45 minutes to wait for a manager, who pointed towards an obscure part of their user agreement as reasoning for this, and that no human can/does actually review the transaction.
I co-signed a note with my granddaughter for an automobile. In 2014 she stopped paying for the vehicle so I voluntarily surrendered the vehicle to the financial institution and began paying the remainder of the loan. Since that time I have made all payments on time. Equifax has shown the voluntarily surrender to be within the last several months instead of 2014 and will not correct the information. This falsely lowers my credit score and makes me look like a bad credit risk.
I joined the Bank of America for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the BoA to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the BoA to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Bank of America has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my BoA account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, thank you
Very simple : " JFK Financial '' at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( phone number XXXX XXXX XXXX ) was entrusted with my XXXX and XXXX tax returns and additional financial information for the purpose of reviewing mortgage possibilities. Two gentlemen, first names XXXX and XXXX, were given that information by me in the XX/XX/XXXX. I went to inquire in XX/XX/XXXX ( when I was more ready to purchase a home ) as to my information in an effort to understand what I would be approved to get in the way of a loan ; those two are gone ... ... the files are gone ... ... ... ... .JFK personnel told me they " THINK '' THE INFORMATION WAS SHREDDED. 

My complaint is : identity theft is REAL, financial data was entrusted to them and they have, at best, mishandled it. All I ever wanted, asked twice for it through XXXX and from desk secretary the last week in XX/XX/XXXX, was/is : an apology statement from an officer of the firm saying it was shredded and any identity theft issues, should they arise, might be attributed to their negligence. That's all! 

It seems to me that, at a minimum, your office should reprimand and/or fine them for this negligence. As of this writing, I have heard NOTHING from JFK regarding this matter. Their arrogance and incompetence is an issue for you to address. The AG of NV has this complaint and soon the NV Mortgage  Lending Division will as well. I implore you to investigate the mishandling of information and JFK 's failure to acknowledge such and to apologize for same. 

Thank you, XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX cell
I received alert from XXXX XXXX of an inquiry from CHASE, XXXX and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from Chase and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
1. I closed a loan with 1st Advantage Mortgage on XXXX/XXXX/XXXX. Apparently one of the documents I signed was a quit claim deed conveying title of my home from my trust to another trust with a different last name and my wife 's trust. This was not disclosed to me prior to the closing and was completely unnecessary to for the effectiveness of the mortgage given our home has been in my trust and my wife 's trust ( XXXX ) since we established the trust in XX/XX/XXXX. Moreover, we have refinanced our home at least 6 times with this same company since XX/XX/XXXX so this was not new information. 

2. I received a notice from the XXXX County Recorder of Deeds indicating possible fraudulent activity regarding this quit claim deed given the the last name of one of the trusts ( mine ) was different then their records. 

3. Even though the closing took place 2 months ago, I have yet to receive a complete set of executed closing documents. 

4. The loan is current and in good standing. XXXX XXXX debt service has been paid.
I applied for a modification with America 's Servicing Company XX/XX/XXXX. I was approved for a previous modification 3 years prior to this one, but fell behind due to loss of income. I paid an attorney to fight this recent modification because it was my XXXX, and a few organizations said that they would not assist. I appeared in court with my attorney several times but the banks attorney 's were constantly unprepared and late. 5 years later they offered me an in house modification. When my attorney and I appeared in court to negotiate the terms, the banks attorney did n't show up and the case was thrown out, that was XX/XX/XXXX. Now the bank is starting a new case and they are calling me to pay the balance in full, which is now XXXX. I spoke with their escalation department and explained that I was offered an in house modification already and would like to go over the same terms to see if there was room for negotiation, the payments offered were very high. I received a call yesterday and they stated as of XXXX/XXXX/XXXX, my loan is back in foreclosure status. Naturally, they want to rush it back in before the statue of limitations are up. At this point my salary has been stable for the last 6 years and my income is well over the required amount to afford the mortgage payments, but because they have n't allowed me to pay the mortgage for almost six years, I feel they are making it impossible to come to an agreement to pay them back. I want to keep my house and pay my mortgage. They are saying I make too much and it is not my primary residence. When I purchased the house, I lived there and since have moved and rent it out to tenants. My salary plus the rental income puts my yearly gross to over XXXX per year. That seems to be an issue for them. The guidelines also say that it has to be your primary residents, but it was at one time. I worked in the mortgage industry for many years before the market crashed and it took me a few years to get back on my feet. Now I 've been on my feet for several years and now do not meet the qualifications because I make too much. This mortgage situation is stopping me from moving on and getting my life back in order. My credit is affected, I have a son in college and I have to pay out of pocket because no one will give me loans due to my credit issue. I just want to start over and pay my mortgage but it seems impossible. I need to know which laws protect consumers who in the past, had a loss in income but have since increased their income and need to settle their modifications that have been in limbo for almost 6 years. This senerio does n't seem to fit the government programs available but there has to be out of the box scenerio that fit another criteria. I just need to know my rights as a consumer and I do not want to pay another attorney 10 's of thousands dollars to fight this case for me again. Plus it can drag on another 4 to 5 years because it 's in XXXX county. Please help me.
This is a complaint against XXXX American Express card. Following is the email that I sent to XXXX : After a few returns that have been made, I was asked by XXXX to pay a bill of {$130.00}. Out of this amount I was liable to pay {$14.00} which I did. Im not responsible to pay the remaining amount which include late fee of {$27.00} in XXXX and {$37.00} + {$4.00} interest charges after making the payment of {$30.00} in XXXX. Again, I was charge {$4.00} interest charge and then {$27.00} late fee + {$3.00} interest charges after making the payment of {$71.00}. I fail to understand why I was charged late fees/interest charges when I already made the payment of {$30.00} and {$71.00}? So please remove all the late fees/interest charges and Id really appreciate your honesty. 
Also, as mentioned earlier there are 2-XXXX XXXX transactions for {$12.00} each in XXXX and XXXX. I have disputed it many times since I dont authorize this transaction. Please remove that as well. 
Thank you! 
Following is the response from XXXX : Response By Email ( XXXX XXXX XXXX ) ( XX/XX/2018 XXXXXXXX XXXX ) Dear XXXX XXXX, Thank you for taking the time to contact us about your XXXXXXXX XXXX account. I appreciate the opportunity to respond to your inquiry and address your concerns. 

I certainly understand your request about the late fee, interest charge and the dispute transactions on your account. And I will do my best. 

For protection against identity theft, we can not alter or discuss any account information as this is non secure. 

For further assistance with your requests, please contact us at the number referenced below. You may also send a secure message online. 

Please read this email carefully. I hope you resolve this issue asap.
I am a former student in XXXX GA, I was attending XXXX XXXX and had to drop out for a few semesters due to illness I have been paying on my student loans through Navient. I am currently seeing that there is a lawsuit against Navient. I am still currently paying them and want to make sure that I am not paying them for no reason. Can someone please assist me with this
ONLINE COLLECTIONSXXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXXThis company claims they sent one letter to me regarding this debt and then attached to my credit report. I never received letter and they say since they did not receive returned mail, they had right under federal law to report to credit bureau. One supposed letter and no phone calls is hardly due diligence to notify me before impairing my credit score.
At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.
AFNI DEBT Collectors are saying this XXXX XXXX XXXX BILL FOR {$1700.00} is a new debt and it is not. Im sure that it was written off in my Chapter XXXX. And this debt is about 3 years old its back from 2015.
I learned about the bankruptcy on my record last year, and since that time I am trying to clear it as I never filed for any bankruptcy. I disputed it several times and I am not agree with results. Please help me to clear it, I never went to court, I never filed for bankruptcy for {$0.00} dollar amount, I had no idea about it. I never got any paperwork from the court.
Dear XXXXXXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( XXXX, XXXX, and Equifax ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( XXXX, XXXX, and Equifax ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( XXXX, XXXX, and Equifax ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you
There 's an organization in West Virginia that 's loaning money to Municipalities for demolition and these loans are required to be used for redevelopment. The Agency is called the West Virginia Housing Development Fund and they 've loaned about XXXX XXXX dollars to the City of XXXX, WV and countless homes have been destroyed by way of illegal use of theses funds. Residents and property owners have had their homes wrongfully Condemned and placed for demoltion and have been denied the opportunity to repair or do work on their houses. Funds loaned to the Municipalities were required to comply with WV XXXX The Urban Renewal Authority Law for Slum Blight Clearance and owners were by law to have had their homes acquired and compensated. This did n't happen and the City of XXXX demolished houses that they had no intention of redeveloping and vacant lots were left and owners told they could n't build on the land because variances had changed so that they were left with a useless piece of land. Incidentally. houses were Condemned by uncertified Code Officials that XXXX hired and permitted and hired them to do this. There is a lot that XXXX 's XXXX mother lived across the street from that I owned and the neighbor was friends with the City Officials and complained to Code Enforcement until the house was Condemned and placed on the Demolition list, torn down, and vacant lot obtained by XXXX from my bank whom I was buying the property off of. The bank told me to deed the property back over to them or be foreclosed on and then the bank deeded the property over to the City for partial payment of the demolition cost and the neighbor who all along wanted the lot purchased it from XXXX.There is a property where a demoltion occured and the lot where the City demolished it later was the sight of new construction of a apartment house owed by the XXXX City XXXX 's brother and his XXXX called XXXX. This all sounds like racketeering and must be stopped and acted upon. Please help this stop-now XXXX is using XXXX XXXX XXXX XXXX to continue on with the illegal demolitions. The WVHDF is now lending money again illegally to the City of XXXX, WV Thank You, XXXX XXXX
I disputed a tax lien on my credit on XXXX XXXX 2017 that I had no knowlege of and ask Equifax to remove it or provide me with the proper information about the lien which included all paperwork with my name, ss #, address, state id, and signature they did not provide any paperwork. They said, did an investigate through a third party XXXX  which in turned had no proof either. I ask them to please remove off my credit report because it was causing adverse affects on me get a job or a bank account. I went personal to XXXX County Clerk Office XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TX XXXX which I do not live in and ask a clerk about the information and they said they could not give it to me if I was the person. I ask is there a social security number on the file they said no, it against the law to put on any document. So, I confused about their proof of who this tax lein belongs to and would ask the remove it off my credit immediately.