WillisBack/dataset-financial-user-claim huggingface dataset:
Account Number:XXXX Property Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Servicer : Ocwen Loan Servicing On XXXX XXXX, XXXX GMAC initiated a foreclosure action against XXXX in the Circuit Court of XXXX County , Florida . 
On XXXX XXXX, XXXX GMAC recorded in XXXX County Official Official Record a bogus mortgage assignment purportedly executed by XXXX XXXX an alleged Assistant Secretary of XXXX XXXX XXXX XXXX , XXXX ( XXXX ). The assignment shows an execution date of XXXX XXXX, XXXX. There is no evidence that XXXX has any authority to assign the mortgage. 

The law office of XXXX XXXX XXXX prepared and recorded the bogus mortgage assignment on behalf of GMAC. 
On XXXX XXXX, XXXX, the court dismissed without prejudice GMAC complaint for lack of standing. 
On XXXX XXXX, XXXX, GMAC filed its first Amended Complaint, wherein GMAC stated the mortgage loan went into default on XXXX XXXX, XXXX. 
GMAC alleges that the new principal on the Note is {$180000.00}. The alleged original Note shows an initial principal balance of {$170000.00}. Due to the negative amortization of the loan, the Note principal balance has increased by {$10000.00} ( {$180000.00} - {$170000.00} ). GMAC has not paid the required documentary stamp tax on the increased value of the Note, making the note unenforceable. 

Though the alleged original promissory note did not carry an endorsement from XXXX XXXX XXXX XXXX, GMAC claimed ownership of the mortgage loan by way of an Assignment of Mortgage from XXXX. 

GMAC obtained an unconscionable advantage by concealing and/or misrepresenting the true owner of the beneficial interest in the subject loan and/or the amount owed. 

Despite such actual knowledge as to XXXX ' limitations and preclusions, GMAC intentionally and willfully uttered, in writing throughout foreclosure proceedings, the false and fraudulent misrepresentations as to XXXX for the sole and specific purpose of manufacturing bogus " Assignments '' of mortgages in order to institute and further fraudulent foreclosure proceedings with the intent of committing theft of real property. 

On XXXX XXXX, XXXX, XXXX XXXX was substituted as plaintiff with Ocwen as the servicer due to GMAC bankruptcy filing. 
Ocwen is now trying to foreclose on the property knowing that it has no standing to do so and that the note is unenforceable. A trial is scheduled for XXXX XXXX XXXX.
I finance a car with Kia Motor finance, sense XXXX until now. They been accusing me of non-payment. They been charging me late fee with three to five days late. They not suppose to been charging unless I 'm ten days late. It 's been going on for years they been robbing me out. Every single month of this year I 'll been paying them, and they claim I have n't. I even did a three-way call with my bank to them to proof payments was made. They constantly keep calling me sending threaten letter that they going to repossess my car if I do n't pay them but I did. They keep harassing me by phone everyday, I 'm becoming so stress of they lies. It 's been XXXX dealing with them, I need your help if possible. so they wo n't repossess my car from they wrong doing and dumb mistake. Honestly I believe do n't owe they no more money, after late charging that I had paid and it was n't 10 days late. XXXX month they claim I did n't pay them at all. But they forgot they had gave me a grace period and they using that against me. This after I loss my job in XXXX XXXX, but I still been paying some how some way its a shame making pay unnecessary late charges, they robbing me. So far I gave them {$15000.00} dollars, for the past five years, but they got me for only XXXX saying I owe them {$4000.00} dollars more and the loan will be paid up. My car was up for XXXX XX/XX/XXXX brand new when I brought and now I 'm paying for more then what it worth dealing these rotten people.
Equifax stated they verified bankruptcy that is on my CREDIT report with XXXX XXXX. XXXX account has a security freeze on it and representative from XXXX XXXX stated they did n't verify any information with Equifax.
XXXX XXXX bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify XXXX that I will pay this off once my house sells.
I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
In XXXX of XXXX I got a personal loan from BBVA Compass bank and the first payment was due on XX/XX/XXXX so i set up online with my bank XXXX Bank to pay it online, in setting up the online information, I mistakenly put my checking account number at BBVA Compass Bank as my loan number so when I submitted the payment on XX/XX/XXXX for {$470.00} for the loan I received a letter from BBVA collections saying they did not get the payment so i need to send them proof of payment. I went ahead and made another payment to avoid being late which was later reversed by them after telling me they have received the funds on a call from XXXX bank in my presence with a banker. Since XX/XX/XXXX I have sent them five proof of payments and even printed a statement showing the funds taken out of my XXXX account with my pre and post balances. I was even talking to a local Banker of XXXX by name XXXX XXXX in the XXXX Texas branch, even went there four times and as of last Tuesday XX/XX/XXXX BBVA said they did not get the money and have been harassing me with phone calls at work and odd times at home but I have continued to pay them ontime and they have been putting fees on the payments. I need help please in resolving this issue.
I was notified by Citibank that my HELOC was going to adjust in the first part of  XXXX  in the last part of  XXXX . My interest only payment was going to almost triple. I started the process to see what my options were right away. Since the first part of  XXXX   XXXX  until now  XXXX   XXXX  I have been going back and forth with  Citibank  sending them information. I have asked for an escalation  at one point where basically they had changed my contact person, but nothing changed. I would send the informatio n to them that they requested, only to be sent back another notice asking for much of the same thing. I was very meticulous to do everything they asked for in regards to providing the information to them only to get the same response back that they needed the same informa tion that I just sent. I would have to say with in the last six months I must have sent them information over 20 times. I think this is unnecessary and down right abusive and criminal.
My account was closed onXX/XX/XXXX. On XX/XX/XXXX my girlfriend attempted to open a XXXX XXXX XXXX account and the rep stated that she had to pay a past due amount owed by me at our address because of a roommate policy. 

So she paid the past due amount of approx. {$190.00} owed by me on XX/XX/XXXX. Thus satisfying my debt. 

I then noticed in subsequent months that my credit report reflected this balance that I had with XXXX XXXX XXXX was not resolved. I have made several attempts to resolve this with both the XXXX XXXX XXXX XXXX and their Debt Collection Company Diversified Consultants. 

One of my calls was on XX/XX/XXXX I did not receive any resolution at that time. I placed another call was on XX/XX/XXXX at which time I was given a ticket number and told that in 5 business days it would be resolved and that I would receive a confirmation letter in the mail. I did not receive any letter about this nor any resolution. There was a 3rd call that I also placed which I was also given yet another ticket number and no resolution. 

Today I have called for the 4th time almost 2 years from the start and they simply generated another ticket number to string me along the same process yet again. 

They have damaged my credit for the past 2 years making it difficult for me to obtain credit from lenders, by continuously reporting an account in collections that is still outstanding at {$190.00} under the name Diversified Consultants. 

I have been sent back and forth between XXXX XXXX and Diversified Consultants who both say they do n't have the account and point to each other for me to get answers.
i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XXXX of 2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX s and hide two and attach my wages thats going to kill me and make me homeless!!!!!
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy in the state of Ohio. I was able to keep my car and my home because I had made all of my payments on time. Also, since I had made all of my payments on time my mortgage and my leased car were not included in my payments to the Chapter XXXX Trustee. I was able to keep making those payments on my own. <P/>After filing bankruptcy Pacific Union Financial made my account for my mortgage inaccessible. They made it so I could not use my " Bill Pay '' service through XXXX XXXX which was the method I used to pay my mortgage. They stopped all mail correspondence about my loan. They even made it so I could not access my account on the website. I ca n't even login to see any of my documents associated with my loan. Not even tax documents. They do not even provide receipts for payments made. I ca n't even call customer service to get information about my loan or to make a payment. The only way I can make a payment is to mail it in. Then once I mail a payment it takes weeks for it to come out of my checking account. There is literally no way for me to access ANY information about my mortgage. <P/>I spoke to someone with the Consumer Financial Protction Bureau in XX/XX/XXXX. The woman instructed me to send Pacific Union Financial a certified letter stating my concerns and asking for them to help me. She told me they must respond to my letter within 30 days and if not I needed to file a complaint with CFPB. It is now XX/XX/XXXX and I still have not received any response from Pacific Union Financial. That is where I am right now. <P/>Since sending a certified letter I have contacted them multiple times. They have not helped me at all. I even contacted them in regards to my tax documents needed to file a tax return and was informed by a customer service representative that they wait until the last day in XX/XX/XXXX to send any current bankruptcy clients their documents. Why would they do that? <P/>Unfortunately, due to my account being inaccessible and the amount of time it takes for my payments to come out of my checking account I believe I have fallen behind on my payments. I am at the point that I do n't even know which payments have been made and no one will help me get back on track. I am worse off now than I was before I filed bankruptcy.
I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.
I called and the information provided was that I was being charged for {$110.00} as a " Charity Write Off '' for a medical procedure from XXXX years ago. I was also told this was due to no insurance and I was fully insured during this period. The total bill was for {$500.00}. What medical bill is for {$500.00} and why would I only owe {$110.00} if I didn't have insurance? 

This is negatively impacting my credit and isn't fair. I pay my bills and the collection agency makes you feel like you need a shower after dealing with them. I shouldn't have to pay this extortion, but for {$110.00} to make it go away is tempting. Please let me know if you can help. 

I did not take the time to pull all of my old insurance info and medical history, but I am sure I can provide documents if necessary to prove that I had insurance and paid my copay at all visits.
I have been struggling to repay a private student loan for over 8 years. I have been contacted through Navient and two account recollection companies during this period of time and because of the type of loan it is, have not been able to get any type of relief or anything. I have been in flux with employment and it seems that the private branch of Navient and one of the account recollection companies do not care.
I have two issues with One Main Financial. First, I applied for a deferment in XXXX 2016 with the Branch Manager and was under the impression the deferment was approved and was given paperwork stating that my next payment would be XXXX/XXXX/2016. After that date, I was told my deferment was not approved and I needed to make a payment. In late XXXX 2016, I was told I could refinance the loan and was asked if they could run my credit. I agreed and about 4 questions later, I was asked my work phone number that I did not have available at that time. I thought that since I did not call them back with my work number and I paid the past due amount, the loan would not be processed. Last week, I received a call asking if I still wanted to process the loan and I said " no. '' The same day, I also received a letter from One Main indicating they had processed my loan anyway. Today, I got a denial letter from them. 

My questions are, how can they process an incomplete application which I asked them not to process? 

Also, how can they give me paperwork indicating my initial deferment was approved and then say it was n't after the due date and then demand money? 

Please help me.
My email is XXXXXXXXXXXX and I never got to properly explain my financial complaint against PNC bank since I 'm using my cell phone to write the complaint. ( XXXX is the company for my laptop. I have a 12 month warranty on the laptop that XXXX wo n't honor so I have no service on the laptop and must use my phone. ) So, there was an overdraft. Every month, if you view the records in XXXX XXXX for XXXX XXXX rep payee account, you will see an overdraft. PNC makes crazy explanations that are inaccurate every month and this month I saw beyond all doubt that I was being cheated, this is why I had to become my own payee. I closely monitor the account and pay all bills. My mom does nothing and knows nothing when asked what happened and this PNC bank was getting over on her and disrespectfully talking to me and it drove me so crazy I threw a tantrum to get this account closed. Every month I can hardly stand their stealing. This month I just felt so caught up in all their long explanations that make no sense that I did n't know what to do but get that account closed.
Direct Recovery Services has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with XXXX. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.
I missed a payment XX/XX/XXXX and did n't realize it until I received a letter from Navient XX/XX/XXXX. I was unable to make the entire payment at one time so I broke it up into 4 smaller payments and scheduled automatic deductions from my checking account via Navient 's website. I have one more payment left and Navient collectors have started calling my place of employment. Now the owner of the company I work for is questioning me about it.
On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor.
Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.
I recently received a copy of my credit report that Equifax publish and after reviewing it I found an item in question and have disput ed US Pr obation-  XXXX / XXXX / 16 . In which Equifax is still reporting this disputed unverified account on my credit report. They have also failed to send me copies of documents they have on file as of this date that was used to verify the accuracy of the disputed inquiry.
Wrong address on Equifax report. 
XXXX Florida XXXX is not mine.
Since XXXX 2015, I have been attempting to re-certify my income based loan. Each month FedLoan Servicing has provided incorrect and inconsistent information. In addition to bad information, the servicer took 2 months to process a request causing my loan to revert to an unaffordable amount. Additionally, the servicer refused to grant any kind of administrative forbearance for the delays they caused in the process forcing me to use 2 months of the limited lifetime forebearance on the account to ensure that their delays and misinformation did not negatively impact my credit score. Furthermore, communications regarding the attempts is slow and inaccurate. Emails stating that the request has been processed have been deliver yet when I call in to confirm and make a telephone payment the agent says it is not the case. Traditional mail correspondence often take 6 weeks to arrive and then arrives without detailed information as to why the request has been denied or delayed. Throughout the process the servicer has made no attempt to remedy the situation instead insisting I refile and use the general forbearance that should be used in case of emergencies not administrative incompetency. There is no reason the a re-certification should take 7 months and XXXX different applications and still has not been resolved.
I can not access my coinbase account. www.coinbase.com will not let me log in. That account uses email address XXXXXXXXXXXX I created my account around XXXX 2017, was able to access it, deposited some funds, and purchased some Ethereum. About XXXX I lost the ability to access my account. I log in with my account email and password, both are accepted. Most of the time they request a confirmation code via the phone application Authenticator. Most of the time I do not get that notice. 

Their help pages are of no help what-so-ever. They do not provide any reasonable method of contact. 

I have been trading emails with XXXX who claims to be from Coinbase for 20 days now via an account at XXXX. Her responses are very slow and do not address the problem. 

On my last attempt to log in I got the Authenticator notice, entered the number, it was accepted, but the web site said I have a difference computer and they need to verify it. They said so check my email. I received an email about how I can buy more currency but nothing what so ever about verifying my account.
Bank of America has me listed with XXXX for account fraud. I spoke to Bank of America and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.
I just received a call from XXXX  that my information was being used to open up credit cards, then i checked on my XXXX XXXX   account, its shows two different synchronybank/walmart and synchrony/ppextr. So i called synchrony bank they handled the walmart credit card very well and they removed the fraud accouny that was being opened under my name, but the thing is they told me they didnt know PPEXTR which shows its under their bank too. I would like to remove this since this is fraud.