WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. 

There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. 

I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.
Re : Estate XXXX XXXX XXXX Nationstar Mortgage Loan Account Number : XXXX. 

I am disputing the above-referenced debt. 
I have produced to you and your organization proof of payments in several occasions and had requested the above records but in return you and your organization had chosen to ignore my claims, emails and calls. I am disputing this debt, because I have made all the mortgage payments and do not owe this debt. As a result, I request that you carefully review this matter and send me the final pay off amount. You should not report it to the credit reporting agencies and if you have already reported it, I demand that you immediately notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. According to my records, which I am enclosing again, the discrepancy on properly crediting my payments began on or around XXXX XXXX when you bought this mortgage from XXXX. 

Reporting information that you know to be inaccurate, or failing to report information collectedly, violates the FDCPA and the Fair Credit Reporting Act. 

Please find enclosed with this letter copies of all payments made to this loan from XXXX XXXX up to the present for you to verify the debt in this account along of a copy of a letter sent to this company in reference to this issue.
BBVA COMPASS is committing fraud by deliberately giving incorrect info on fees to consumers on phone. I phoned XXXX to ask for fees to close XXXX account open less than six months. Was told no fee. This is incorrect. Fee is {$25.00}. BBVA is deliberately misleading consumers so it can profit from fees.
I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a paralegal for 12 years, and did the billing for my department. We represented banks and credit agencies, and we sent monthly statements to debtors paying on collections. If I am paying this large amount of money, I would like to see monthly statements.
XXXX XXXX is a company I never signed a contract with. They are trying to collect a debt that I never had with them. The company charge off a debt and it has ruin my credit and I don't know who they are. Can you please help me because this is stopping my process in buying a house.
Please note this is a Followup. 

You have the originals complaints and answers to litigation and fraud elements. 

XXXX XXXX XXXX. Trustee responded that they are not involved when they sued me. 

XXXX XXXX XXXX XXXXXXXX and Caliber Home Loans, Inc. sent repetitive letters from XXXX to XXXX. 

They are all responsible for Real Rstate Fraud,  confusion regarding service and ownership service notifications. Those notices were not reflected on the Instruments from XXXX recorded at property clerk. Another name XXXX XXXX XXXX XXXX, never sent the page for XXXX XXXX that are required for borrower can review and make accurate information. Instead XXXX XXXX XXXX and Caliber Home Loans , Inc said the never had a contract with the Original Contract ( XXXX XXXX XXXX XXXX ). From XXXX through XXXX XXXX when XXXX XXXX XXXX and Caliber Home Loans Inc did an illegal transfer because there was never a transfer/assign from XXXX XXXX to XXXX XXXX c/o Caliber as new Owners. XXXX recorded in XXXX violates statutes and intentional commits Real Estate Fraud. 

The XXXX instrument is/was illegal and any instruments using that document is intentional fraud, and harassment to Original Contract borrower, Fraud to FDCRA which can only be legal if the Petitioners can verify pet statues they owned my contract. They can not do so and transferrd illegally in XXXX XXXX to XXXX XXXX XXXX. to deflect fraudulent transfer and assignment. 

All who sued me in XXXX XXXX and before have not been able to prove ownership for over 4 years and made the transfer fraudently to XXXX XXXX XXXX which include their partners in real estate fraud. 

Two class action suits against them, because letters automatically sent to " new Caliber borrower from transfer '' intentional done in XXXX ; violations of illegal statutes. 

Caliber, XXXX and XXXX XXXX XXXX. In XXXX was found guilty of charging XXXX Americans and XXXX  higher interest rates was the second litigation intent fraud. 

I have an Order to Foreclose on my property was from XXXX XXXX XXXX. and the other Petitioners which has illegal possession of my deed. It was promised my XXXX in XXXX XXXX, XXXX XXXX. 

Numerous complaints and litigation toward Petitioners sue to foreclose my house as well as others do not have any legal ownership. My legal homestead property is protected from such illegal and fraudulent group repetitive frauds. 

Please retrieve my deed and punitive damages. 

XXXX XXXX
I have maintained my mortgage with Chase Bank since XX/XX/XXXX. I was recently informed by my Financial Advisor that the Private Mortgage Insurance ( PMI ) should have been " automatically '' cancelled in XX/XX/XXXX when the loan to value of my home reached an 80 % loan threshhold because of appreciation and improvements. <P/>Earlier this month I formally requested Chase to terminate the PMI because my loan has a current loan to value of 62 %. My request for cancellation was not approved because of Chase 's interpretation of " delinquency ''. Chase claims their policy requires no delinquency in the prior 12 months prior to cancellation. <P/>My payments were made promptly and uninterruptedly over the past 11 years. Earlier this year I lost my job due to downsizing and at the exact same time my mortgage was adjusted up by {$700.00} each month. I requested a forbearance of the " increase '' payment amount. I continued to make monthly payments pursuant to Chase 's direction based on the prior payment amount while they reviewed my modification request. <P/>Prior to their decision on the modification I found employment and was able to pay the increased payment amount. <P/>Chase is claiming that my withdrawal of my request for payment modification retroactively changed the status of the " adjusted '' payment they were reviewing.
I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls.
Experian continues to allow XXXX XXXX and XXXX Bank/XXXX to report incorrect information on my credit report. I filed for Chapter XXXX Bk on XXXX XXXX, XXXX. I was then and continue to be under a XXXX. I am in a wage-earner plan and have made all payment. This company continues to report incorrect information, in addition to violate the XXXX XXXX XXXX. For example they recently reported my BK as XXXX XXXX, not so, XXXX XXXX and balances all incorrectly. I provided this information to Experian and Experian continues to allow this creditor to do so. At the time of my BK filing I was never late nor behind in payments. Under the XXXX XXXX the creditors are to report the balance XXXX and payment XXXX unless they are received payment by way of the court trustee
In reference to the investigation XXXX. On XXXX XXXX, 2016 at about XXXX. I went into the CITIBANK XXXX on XXXX XXXX to pay {$1500.00} towards the installment loan # XXXX. XXXX XXXX employee of CITIBANK directed me to the ATM machine to help with the payment. I gave him {$1500.00} towards the payment and I also wanted to open a bank account to deposit money I had with me. He assisted me at both the ATM and the teller window and advised I needed to withdraw to open the account. I did not realize until after I came home that he did put the {$1500.00} towards the payment instead only {$840.00}. I would like CITI to investigate what was done with the money. I came in with CASH. There has to be video of the transaction where you can confirm what was done while I was in the branch on that day. If in fact something was done in error then I would like the money to be placed back towards my loan. I am requesting a re-evaluation of the transaction and have this employee questioned. I am providing proof of my transactions as I always keep a record of my deposits and keep the same patterns. I did not understand why he insisted I go to the ATM machine and not do this transaction with the Teller directly.
I have a loan with Big Picture Loans. They have charged exorbitant fees - much higher than I would have expected. Every payment except for the {$25.00} on my last payment ( payment # XXXX ) has gone to interest. It is nearly impossible to pay this balance down due to high {$350.00} bi-weekly fee required in the beginning of this loan. The interest on the loan is predatory - at an interest rate of 1014.55 %. This is insane. If I pay only the required payments, I would be required to pay $ XXXX for a loan of {$1000.00}. I have already paid twice the value of the money I borrowed.
CapitalOne caalled more than once from XXXX XXXX XXXX. This number, when researched, comes up as XXXX XXXX XXXX. Spoke to a XXXX # XXXX employee id #. Stated i wanted a verification letter of the debt. She yelled at me saying we sent one, you didnt give it enough time. I just requested the letter today. She also stated legal action against me. She stated legal action against me after 90 days, the account is charged off. I stated she broke the law with stating legal action against me, and that i would submit that to a the bankruptcy court. She transferred me to a supervisor XXXX # XXXX. I stated the same, debt verification letter, do not call request and bankruptcy. I asked for hardship they could.not stae payment amounts. They could not absolve the debt. Did state a settlement amount of the total debt 20-25 %. They said.no. They did say you can pick your amount.i stated d would .file bankruptcy. On the account a secondary user was also added which CapitalOne ran their credit as a primary user which showed up on a credit report. The secondary user will also file a bankruptcy. Three agents from this company also were asking about my personal conditions as to hardship,.
It has been years since I have been even a day late on my student loan payments but when I was informed that my husband was entering a training program that would significantly reduce our household income, I called Navient to see if I could receive a one month delay on my payments. I was told that they could not do that ; they may be able to lower my payments if I was interested in entering some kind of program but skipping a payment was not possible. I explained that a lower payment would n't help me because I just could n't afford it. They asserted that there was nothing that they could do. It has been less than 30 days since I missed my payment and I am receiving over 20 phone calls per day across 3 phone numbers ; two of which I have repeatedly asked them not to call. I am receiving calls before XXXX and after XXXX which is beyond harassing. During my last call with a representative this morning, I was told that not only would the calls not stop but they are going to continue to call the numbers that I asked them not to because they do n't think it is against the law. She then threatened that she was just going to call my cosigner next to tell her of the delinquency as if that was supposed to instill some kind of fear in me. I 'm going to continue my payments as planned on XXXX but since I was unable to make the payment in XXXX, I will remain ~28 days past due each month because I ca n't make " extra '' payments to make up for the ONE I missed. My concern is that these harassing phone calls will never end. There has to be a limit to how often they can call people. This is no way to treat consumers.
NATIONSTAR IS ENGAGED IN SYSTEMATIC ILLEGAL ACTIVITY AND CONSUMER FRAUD. THEY HAVE CONFIRMED THIS LOAN WAS FRAUDULENT, THEY HAVE CONFIRMED ESCROW FRAUD HAS OCCURRED, AND INSTEAD OF HELPING, THEY ADDED THEIR OWN FRAUD WHICH WAS UPLOADED FOR PERMANENT PUBLIC RECORD AND FOR MY RETRIEVAL FOR THE LAWSUIT WE WILL BE FILING AGAINST INDIVIDUALS AND CORP ... .. WE HAVE CONFIRMED LOAN DISCLOSURE /ORIGINATION FRAUD, A COPY IS PROVIDED ) .WE HAVE CONFIRMED LOAN SERVICING/ ESCROW FRAUD. ( A  COPY IS PROIVIDED ). BOTH COPIES CAME FROM NATIONSTAR ... .THEY ARE FULLY AWARE AND VERY VERY COMFORTABLE WITH CRIME AND FRAUD ... .IN ADDITION, WHILE WE TRIED TO RESOLVE THIS, WE REQUESTED PMI INSURANCE/FEES BE REMOVED, ALSO OUR LEGAL RIGHT, AND THEY HAVE REFUSED TO DO THIS FOR WELL OVER A YEAR, COLLECTING PRINCIPAL WITHOUT PROPER CREDIT. WE ARE WELL OVER 50 % EQUITY AND STILL PAYTING PMI TO THESE DISHONEST SCUMBAGS. IN ADDITION, BECAUSE I UPLOADED EVIDENCE TO CFPB, THEY HAVE BLOCKED OUR EMAIL ADDRESS AND WE ARE BEING DISCRIMNATED AGAINST, UNABLE TO ASK ANY QUESTIONS VIA EMAIL, YET ANOTHER FORM OF ABUSE, PREDATORY LENDING AND FRAUD IN ADDITION TO VIOLATING BOTH OUR CONSUMER AND CIVIL RIGHTS
Capital one debt was included in my bankruptcy. I owned no property at that time 4 years later I own a house and they have attached a judgement lien on my property
I over paid the balance on my credit card and asked it to be returned back in XXXX. As of the date of this complaint I still haven't received the money and now think they should pay interest at my current card rate since the time they have said they sent the money owed to me. My last inquiry was in XXXX at which time I was informed again that the check had been sent again. I still haven't received any check and I am tired of being told it was sent. 
They charge interest on my balances so now they should pay me interest on the balance they owe me.
Name :  XXXX  Agent :  XXXX     XXXX   Company : TJmax Issue : closed my account involuntarily due to previous delinquencies even though account was paid current in  XXXX .   XXXX   confirmed the company did not issue a notification to me or contact me to advise. Company did not allow me opportunity to rectify and/or opt into auto pay to ensure payments are received timely to prevent future delinquencies
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I paid this collection with Midland Funding in XX/XX/XXXX and it 's still showing a STATUS as OPEN, in collection and 90 days past due as XX/XX/XXXX on my XXXX and XXXX credit reports. I have made numerous phone calls and disputed this info to the company at least XXXX or XXXX times since I paid the collection in XX/XX/XXXX. All I have asked the company to do is update the collection iwith the correct info and show that is a paid collection. No such luck as of yet. Every time I dispute this collection it shows up with a new collection reporting date as if the collection is new. Please help!!
I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.
In XX/XX/XXXX of this year I obtained a debt consolidation loan to pay off my bills which included my XXXX XXXX XXXX XXXX. The credit union mailed checks to my creditors. As I was not aware when the checks were arrived I still schedule my regular payment. The payment was posted on XX/XX/XXXX in the amount of {$11000.00}. My regular payment of {$360.00} posted on XX/XX/XXXX. XXXX XXXX XXXX XXXX also charged me interest in the amount of {$230.00} when my balance reflected as XXXX AND my payment posted on the XX/XX/XXXX. I called them on XX/XX/XXXX and was advised they would reverse the interest and it would take 3 days. I gave it a week and checked my account. I called back on XX/XX/XXXX and was advised that the last CSR did not notate my account and it would be done again and take up to 3 days. I checked my account this morning and it is still not applied. As such, I would like assistance receiving my credit so I can close this account. XXXX XXXX has a habit of this practice and I no longer want to have a financial account with them.
I received a letter from XXXX. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.
I sent an Error Resolution Notice to M & T Bank concerning an error in the application of an unknown payment to my account. I did not make that payment and M & T Bank did not disclose the source of the payment. I requested that M & T Bank provide me with copies of all documents and information that they relied upon to post the transaction to my account. See attachment : XXXX M & T Bank has not corrected the error. M & T Bank has not provided me with a written notification that includes a statement that M & T Bank has determined that no error occurred, a statement of the reason or reasons for this determination, a statement of my right to request documents relied upon by M & T Bank in reaching its determination, and information regarding how I can request such documents. See attachment : mtbank_letter.PDF