WillisBack/dataset-financial-user-claim huggingface dataset:
Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. 

Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..
Fees for cash advances on Citi Credit Cards. 
I took out a cash advance of {$2600.00} for 3 days against my Citi Platinum Select Card for which Citi charged a flat fee of 5 % and in addition interest of 26.99 % APR. I was fine with the interest charge, but charging a flat fee of 5 % on top of that was unexpected and not properly disclosed. In addition, this 5 % fee amounts to a 608.33 % APR (! ) which is higher than even most payday lender would charge for this ( also for reference my FICO is 780+ ).
I have a loan in foreclosure with Shellpoint Mortgage, Loan # XXXX, and I re-applied for a loan modification on XXXX XXXX, 2016. Shellpoint claimed that I reapplied on XXXX XXXX, 2016. Regardless, Shellpoint replied on XXXX XXXX, 2016 stating " Shellpoint Mortgage Servicing ( " Shellpoint '' ) has received your complete request for loss mitigation program. We are currently reviewing the package to determine if the referenced loan qualifies for one of our programs. We will contact you if we need additional information or, if during the evaluation process, we determined your package to be incomplete ''. 

Shellpoint Mortgage never contacted me since XXXX XXXX, 2016 about any missing document before I received a denial letter dated XXXX XXXX, 2016. In the denial letter, Shellpoint Mortgage claimed that I did not provided documented that we requested. THAT IS FALSE. Shellpoint never contacted me or my authorized representative in writing or via phone about any missing document between XXXX XXXX, 2016 ( when I submitted the application ) and XXXX XXXX, 2016 ( when Shellpoint sent me the denial letter ). The only communication I received from Shellpoint between XXXX XXXX, 2016 and XXXX XXXX, 2016 was a mortgage statement demanding payment for the arrears. Please see the attached supporting documents. 

Shellpoint Mortgage NEVER evaluated my application that I sent in on XXXX XXXX, 2016 and is now telling stories about contacting me for missing documents in it ongoing effort to take away my home via foreclosure.
I have a second mortgage through U.S. Bank that was originally for {$50000.00}. Below lists information regarding a chapter XXXX bankruptcy that we filed. 

XXXX XXXX XXXX and XXXX XXXX Case type : bk Chapter : XXXX Asset : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Date filed : XX/XX/XXXX Date of last filing : XX/XX/XXXX Debtor discharged : XX/XX/XXXX Joint debtor discharged : XX/XX/XXXX Date terminated : XX/XX/XXXX During and after our bankruptcy we have not received any statements or notices stating what our monthly charge is supposed to be. To avoid any problems with our mortgage we paid monthly through our bank account what we were originally told to pay. Over the years we somehow accumulated over {$6000.00} in charges and/or fees. Apparently, with us having a variable interest loan, our monthly payments fluctuated. This put us behind which put us into a perpetual fee cycle. Maybe 3 or 4 times I received mail notice that we were behind on payments. Each time I tried to figure things out on the phone to what was happening and how to remedy the issue. US Bank continues to refuse to provide a statement. Online where I am able to access my account, which i wasn't able to do for years, my account does not state my monthly charge. Instead, it states how much I owe overall due to fees and other charges. When I call US Bank, I'm told that I don't have to pay the large amount but just need to pay the minimum that does not include fees and charges. I let them know that I'll have to call every month if I want to know what is owed each month and to please fix it so that I know what's owed monthly. I've also asked to have charges and fees waived since for years I was accruing charges month after month without ever knowing it was happening. Each time I called previously, I had thought the issue was fixed. It wasn't until I could actually see my account online about 6 months ago that I could see that US Bank had added onto my original account of {$50000.00}. I have lived in my house for almost 10 years now and instead of paying down my loan I owe more than when I first got the loan. 

I had thought that bankruptcy laws protected the consumer from such things happening.
I have disputed incorrect information on my credit report with Experian Credit Bureau and they will not change the reporting history on my account. I have submitted documentation to support my dispute, but they still will not change the history on the XXXX account.
On or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to Equifax, XXXX  and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX ( XXXX ), XXXX  ( XXXX ).
Me and my wife ( a/k/a ) XXXX submitted an application for the refinance of our apartment building to Arbor XXXX Mortgage, XXXX XXXX Arbor XXXX in XXXX for an FHA loan ( which was discontinued, for some reason ) and then again we submitted another application for a XXXX loan on XXXX with Arbor. We had submitted a {$25000.00}. deposit with the application. After six XXXX 6 XXXX months time had passed, on the XXXX application, Arbor sent us a letter dated XXXX/XXXX/XXXX which was received by us, 31 days later on XXXX/XXXX/XXXX which turned us down. Later, Arbor told me that the reason was that the apartments were too small XXXX. Arbor knew the sizes of all the apartments back in XXXX XXXX when we sent Arbor a rent roll which depicted other information and the sizes of all the apartments and again in XXXX XXXX, which again, depicted all the apartment sizes. In spite of the above, Arbor ordered an appraisal for {$6000.00}. and an environmental report for {$4800.00}. on XXXX/XXXX/XXXX ( To this day we have never seen a copy of either report XXXX My problem is that they feel that they are entitled to keep {$13000.00} and only refund us {$11000.00}. I sent a letters to XXXX XXXX, CEO of Arbor, on XXXX/XXXX/XXXX and I never received a reply. Upon information and belief, XXXX XXXX, of Arbor, and the XXXX underwriter XXXX XXXX XXXX knew the above information, full well, in XXXX and XXXX. Please note that XXXX XXXX XXXX never signed the contract ( or agreement ). It was left blank. I feel that Arbor should refund all of my {$25000.00} plus interest @ 9 %. 
fact that Abor never signed
XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( XXXX ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.
On XXXX XXXX, 2015, a request for a loan modification was submitted by a HUD approved counseling agency to Dovenmuehle Mortgage on behalf of XXXX XXXX XXXX. The file was submitted with all required documents per servicer 's check list. On XXXX XXXX, housing counselor contacted Dovenmuehle to review file and was told they did n't have it. Resubmitted file. On XXXX XXXX, 2015, borrower received missing items letter. Housing counselor collected all required documents and submitted to Dovenmuehle on XXXX XXXX, 2015. Called Dovenmuehle on XXXX XXXX, 2015 and was told file was in review. Called Dovenmuehle on XXXX XXXX, 2015 to speak with SPOC, XXXX XXXX. She acknowledged receipt of documents but requested additional items ; namely, 1 ) a bank statement for an account that did n't belong to the borrower, XXXX months of bank statements and a profit & loss statement but borrowers had provided a letter saying they were no longer delivering newspapers ( self-employment ). Had clients write another letter and submitted to Dovenmuehle. Called Dovenmuehle and spoke with a XXXX on XXXX XXXX, 2015 and was told they needed more documents. In addition to the list, he suggested borrowers continuously submit pay stubs and bank statements until there is a resolution. Housing counselor, XXXX XXXX, contacted the investor, New Hampshire Housing Finance Authority on XXXX XXXX, 2015 to discuss the servicing of the loss mitigation file and requesting NHHFA to get involved. At this same time, borrowers received notification Servicer had determined the house was vacant and were planning to secure it and keep the keys. Borrowers are temporarily out of the home due to a fire caused by XXXX XXXX while installing a XXXX. XXXX assisted with this matter and the home will not be secured. On XXXX XXXX, 2015, housing counselor received an email from Dovenmuehle asking for more documents. Sent request to borrower and decided it was time to file a complaint. While NHHFA does not have to comply with CFPB regulations being a housing authority, we believe Dovenmuehle does have to comply.
I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. 
XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX   have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. 

Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.
On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : Experian, XXXX and XXXX .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : Experian and XXXX had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to Experian and XXXX again. Thank you
I became aware of a collection on my credit profile from Professional Debt Mediation. I 've attempted to have them delete this negative information from my credit files with all credit reporting agencies as I have NEVER had an account with this company. I have received phone calls and was mailed a bill that was not on a letter head from this company but from someone else. I do not owe this company any debt.
My vehicle is currently insured by XXXX XXXX XXXX and financed through State Farm Bank. I was involved in a head on collision on XXXX/XXXX/15. I 'm being told by State Farm Bank that if I do not make a car payment by XXXX/XXXX/15 I will lose my " Payoff Protection '' offered through State Farm. The collision was not my fault and XXXX XXXX XXXX XXXX has not yet evaluated my vehicle. Because they have not evaluated the car, I will now have to make a car payment for a vehicle that is not functional. If I do not make the payment, I will then be responsible for the entire balance owed on the vehicle. My complaint is not against XXXX XXXX XXXX XXXX, it 's against State Farm Bank because they are forcing me to pay for a vehicle that I can not drive or access, also, if I do not make a payment then I will be held responsible for the entire amount of the loan. The vehicle is totaled. It just has n't been officially totaled by XXXX XXXX XXXX XXXX due to restrictions of XXXX State Police because of the nature of the accident.
My name is XXXX XXXX, a Senior and resident XXXX with XXXX XXXX with complicated matters such as Mortgage and Modification. I have enlisted a Third-Party to assist with the submission of Making Home Affordable paperwork, who have submitted reams of paperwork for over two years without success. More recently, we again submitted a full and complete package using a XXXX Label provided by Wells Fargo on XXXX/XXXX/2015. We have called repeatedly, and NO LIVE PERSON will ever give an update as to the status of the Loan Modification Request. The persons who answers the phone, will direct the call to a phone number with a lengthly recorded message in very, very, low tone that is completely inaduble, with a promise to call the Third-Party. 
I am a house cleaner with limited income and is seeking a loan modification that will reflect my financials. TWO YEARS IS JUST TOO LONG TO WAIT! 
We were successful in having XXXX XXXX XXXX to Forgive the XXXX lien, This was a XXXX Subprime Loan 7.5 % Interest Rate!
I was denied a loan modification, twice in the last 2 years by Nationstar Mortgage. After hiring a lawyer and paying for a Mediation, the lawyer and bank have allowed my home go into foreclosure. I am also XXXX, XXXX  XXXX, for the second time and have owned my home since XXXX. XXXX XXXX XXXX ( I was with them for 26 years ) sold my Mortgage to Nationstar after I said I was filing a complaint against them for denying a HARP loan that I was eligible for. XXXX tried to tell me that I needed to be late with my payments to be eligible and I knew better because I had read the stipulations on the Government web sight. When I told them that I was filing a complaint because of false information, they sold my mortgage. Nationstar also told me to be late with payments and I told them it was not correct info. They promised to lower my payments through the Loan Modification Program.  After making the 3 initial payments, I was told to wait until I was notified about my new payment. After several months, I contacted them to find out what was going on and I was told that I had to do the loan modification again, because I didn't send payments, when I was told to wait. I again went through another modification and discovered that Nationstar was reporting me late to the Credit Bureaus. I had to hire a lawyer, who was in bed with the other lawyers and they " kicked the can down the road '' and I now am in foreclosure. I had an IRA that the lawyer told me to drain so that I could make Nationstar a cash offer. I had {$110000.00} and tried to make an offer, through my lawyer, and was never given a payoff amount. The lawyers have charged me almost {$20000.00} and I have accrued charges that are {$41000.00} over what I originally owed. I notified your agency at the beginning of the year, by phone, and NEVER received a complaint form. Thank You for your help with my situation. I have listened to XXXX XXXX and I appreciate ALL that your agency does to help us. We finally have a voice against these unjust practices. I am XXXX years old and have never asked for help and I really need it now. XXXX Bless and Thanks for your attention.
I was a cardholder of the Chase XXXX XXXX Rewards Visa XXXX credit card in XX/XX/XXXX-XX/XX/XXXX. This card came with a sign up bonus of three XXXX XXXX ( tier 1-4 ) free nights which I earned in XX/XX/XXXX. The nights can be used for the following year. During the year of XX/XX/XXXX, however, I experienced a series of health issues which prohibited me from traveling. I was in bed rest in almost the entire year, and I had a XXXX in XX/XX/XXXX. 

This credit card had a {$450.00} annual fee for the 1st year which increased to {$550.00} at renewal in XX/XX/XXXX. Given my health condition, I called Chase and XXXX XXXX Customer Services ( CS ) in early XX/XX/XXXX to discuss my situation. Chase confirmed my free nights should still be fine if I closed my credit card. XXXX XXXX responded that they would be willing to extend the free nights for me, but I need to call them again when those free nights are about to expire since their system doesnt allow them to extend the nights too early. 

Given the advices I got from Chase and XXXX XXXX, I closed my credit card afterwards. On XX/XX/XXXX, I called XXXX XXXX to extend the nights but only to be shocked that they said unable to do so since my credit card was canceled in XX/XX/XXXX. That was not my understanding from before from Chase or ever brought up when I first discussed with XXXX XXXX. Even the rep didnt realize the system requires the credit card. After talking with numerous people, a CS manager suggested me calling XXXX corporate office. I did, but after checking with his manager, the rep told me XXXX XXXX would not honor the bonus since that was part of Chase credit card promotion. 

Last month, I retrieved a copy of the Chase credit card terms. Clearly it does not say the free night bonuses require an active credit card. I then contacted Chase Executive Office. But after one month of research, the rep ( XXXX ) told me now there is nothing Chase can do but I should go back to talk to XXXX XXXX since Chase never took the bonus nights away after I closed my card. It was XXXX XXXX 's problem. 

This is an unbelievable example of how a customer can be misdirected, ripped off and unfairly treated by big companies like Chase and XXXX XXXX due to their own misunderstanding, miscommunications and misleading advice. This is not acceptable.
We are a small XXXX and this home has sat vacant for at least 5 years. We periodically get notices of pending foreclosure that will happen but nothing does. This home owes the association {$4700.00} as of XXXX XXXX, 2016. This home has had multiple break ins and the front door is no longer secure. Additionally the yard is an eyesore.
I was sent a bill for something I feel I don't owe, CMRE financial services is sending me a bill to an address I have not lived at in over 15 years. When I lived in in California I always had XXXX  to cover any medical expenses. I fell they are fraudulently trying to collect on something that is not mine. I demand that cmre financial services send me proof of this Bill in writing as required my the fair Credit reporting act by 5 days of receiving my request.
When I enrolled in the Public Service Loan Forgiveness ( PSLF ) program, all of my loans were not consolidated ( some were not able to be counted towards PSLF ). I was not told that consolidating would re-start my clock in any discussions with student loan customer service agents, so I held off on doing so. I consolidated once I realized, but it cost me roughly two years worth of payments towards PSLF. I tried to rectify this by contacting the Ombudsmen Group. They did not move forward with the case. 

AdditionallyXXXX XXXX XXXX XXXX is stating I have 4 months of payments/non-payments that do not qualify for PSLF. I had to restructure my repayment plan during this time, as they switched from Direct Loans to XXXX XXXX XXXX, and I can not afford the Standard Plan. I questioned why these are not on my qualifying payment " clock, '' and they are currently under review.
I am a victim of identity theft and noticed a collection from I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recover in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
XXXX XXXX sold our loans to Navient. Naivent claims they 're unable to provide any sort of amortization chart simply because the loans are marked " variable interest ''. However, they 're also unable to answer how since 2012 when those " variable interest rates '' have yet to spike over 5.75 % that in over {$35000.00} worth of payments, almost {$20000.00} has gone strictly to interest leaving the other {$15000.00} to be applied to principal. I 'm not a genius, but that math just does n't add up to me. They 're scripted answers will not suffice for this household. After seeking council from a professional, we did some research and found that the Consumer Financial Protection Bureau has a lawsuit against the institution. " The lawsuit alleges that Navient provided bad information in writing and over the phone, processed payments incorrectly and did not act when borrowers complained about problems. '' They have continued to fail their customers by deceiving them when it comes to the ability to pay back their loans in a timely manor. These crooks are simply out to XXXX the dollars out of students and their families for as long as they possibly can. They have to be stopped. Loans should be easily consolidated when purchased by a third party rather than forcing the payee to split their payment over several loans. This adds to the confusion and makes it extremely difficult to understand where you are in terms of repayment, not to mention it makes it virtually impossible to ask questions over the phone with their terrible customer service workers.