WillisBack/dataset-financial-user-claim huggingface dataset:
I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX  XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX,  XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender. 
In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.
Old Case # XXXX No one can validate this XXXX 's account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance. 
I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.
For years, Bank of America has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.
XXXX XXXX XXXX XXXX  used my SSN and tied it to my deceased dads card account .. He died in XX/XX/XXXX and now in XX/XX/XXXX it shows up on my credit Experian. His debt was cleared when my mom filed bankruptcy in XXXX. Its not about them wanting money but someone tied my SSN to that account
I am part of the many Americans that grew up in the middle class. My parents made enough to pay their bills but not enough to pay for all XXXX kids to go to school. Because they were middle class, I did n't qualify for federal loans, therefore private loans it was. 

I began my career immediately after graduating from college, but unfortunately a year later the position was eliminated due to budget cuts. I immediately called XXXX XXXX/Navient to discuss an income based repayment option. They told me that income based repayment was not available to me due to having private loans and my only option was forbearance. They made me pay {$150.00} to put my loans into forbearance. I had no other option so that 's what I did. The forbearance only lasted 3 months and despite attempting to lower my payment after that 3 months, Navient continued to refuse. At that time, I was making XXXX a year and paying over {$500.00} a month for my Navient student loans. That does n't include my federal loans from another institution. To this day, I make less than XXXX a year and still pay almost {$500.00} a month in loans. The only way I am making ends meet is because I married a man who helps me make sure I make those payments. 

The fact that Navient is not flexible with their customers and has had no repercussions for their actions is sickening. Many people are struggling to pay these loans back and they do n't care because they continue to get their money. Loan forgiveness would be awesome, but we all know that is n't possible. I 'm not asking for the XXXX ... I 'm asking to be able to go out on a Friday night with friends and not have to worry about not having the extra spending money due to having extremely high student loan debt. 

Between my husband and I, we pay {$2000.00} a month in student loans. {$2000.00} a month. Could you imagine if we were able to put that money back into the economy? Could you imagine if other Americans in the same situation could put their money back into the economy as well? 

There needs to be consequences for their actions.
I have repeatedly requested that Portfolio Recovery Assoc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Myloancare.com has changed how their online payment fee structure works. 

If you call in with your number the call clearly states " No fees will be added if paid within 15 days '', but then goes to say " Fees will be added after 4 days after due date ''. 

My mortgage specifically states that there will be no fees if paid by the 15th, nor have I been charged any until this month. 

Now, with this change, there is no way to avoid a XXXX dollar fee ( at minimum ), whether paying online or by phone. They are going directly against my service loan, with no option to do anything but to pay the XXXX dollar fee, or more depending on how I pay. 

By submitting a payment online, I am forced to accept the service charge, if I want to pay online, otherwise can pay over the phone for {$12.00} -- All going directly against the original loan terms. 

The eStatements from the previous month do indeed say something about no fee from auto draft, and " Up to XXXX for online payment '', whereas my loan does not differentiate between the two. 

They are intentionally violating the terms of my loan by these changes, and did not send out any warning or notice of change, nor did I agree to any change as stated.
Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.
XXXX and transunion have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances
I have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.
Recently while conducting a monitor of my credit report I discovered t hat PHOENIX FINANCIAL SERVIC #   XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow   me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA l aw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF    1996 ], to pro tect my privacy and medical records from third parties. I do not recall giving permission to   XXXX   XXXX   XXXX   to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt,  and HIPAA  authorization.     1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my a  ddress listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved a  s a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a    collection agency
XXXX AND CONSERVE KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
Citibank made a public offer XX/XX/2016 follows : " Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit. '' Conditions were set as follows : " 1. Open a new checking acct between XX/XX/2016 - XX/XX/2016 ; 2. Make a qualifying {$15000.00} deposit within 30 days after opening the account ; and 3.Maintain a minimum balance of {$15000.00} for 30 consecutive calendar days after the initial {$15000.00} deposit. The cash bonus will be credited to your new checking account within 90 calendar days from the date you completed all offer requirements. '' I opened a new checking account on XX/XX/2016 with Citibank and made the initial {$15000.00} deposit by XX/XX/2016. The end of the required 30 days was completed XX/XX/2016. My account is still open as of today XX/XX/2016 with a balance of {$10000.00}. The required 90 days waiting period was completed XX/XX/2016 but the promised {$400.00} bonus has not been deposited in the account as of XX/XX/2016. 
Upon an inquiry made today, Citibank now informs me that I must wait an additional 60 days for the bonus to be paid and that if I close the account I will forfeit the {$400.00} bonus. 
By opening my account and fulfilling the requirements for the bonus I have earned the {$400.00} bonus as per the rules agreed between Citibank and I. 
Citibank should not be allowed to change the rules ( the additional 60 days ) after a contract was established between the 2 parties. 
I am asking for the immediate payment of the {$400.00} and for a penalty of an equal amount on Citibank for defrauding on a contract with a Consumer.
I contacted both a experian and XXXX about personal information ( names and addresses ) linked to my report that were not me. Experian and XXXX  can not tell me where the names and addresses came from or how they ended up on my account.
I had a foreclosure sale date scheduled for XX/XX/XXXX, 2017. I have Loan Modification with my servicer NATIONSTAR MORTGAGE, LLC and they have violated my CALIFORNIA HOMEOWNERS BILL OF RIGHTS including SECTION 362 ( A ) OF THE BANKRUPTCY CODE.
Hi, my name is XXXX XXXX and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGAGE, LLC. I have mailed and faxed over all documents for a loan modification but they still proceeded with the foreclosure sale scheduled for XX/XX/2017.. I 've been trying with them for a long time.
Couples days ago I woke up in the morning and saw that there is a sign stuck into the ground of my property from a real estate agent company saying that the home is For Sale. I was really shocked to see this. We contacted the real estate agent XXXX XXXX ( XXXX # XXXX ) with XXXX XXXX XXXX Team Partner with XXXX XXXX  in XXXX, CA. I asked him why he put up a For Sale sign on my property he replied saying that he listed the property for sale. When I attempted to ask him more question about it he said dont worry about it, its none of your concern. I explained to him that im under an active Federal Bankruptcy he replied saying I dont care not my problem.
I requested him to stop all these transaction under the Section 362 ( a ) of the Bankruptcy code and remove the home from listing and remove the signs he denied. XXXX XXXX ( XXXX # XXXX ) with The XXXX XXXX Team Partner with XXXX XXXX are in violation of SECTION 362 ( A ) OF THE BANKRUPTCY CODE : Section 362 of the Bankruptcy code requires all collection efforts to cease immediately upon the filing of a voluntary or involuntary bankruptcy petition. Section 362 ( a ) of the Bankruptcy Code provides that the filing of a bankruptcy petition operates as a stay against the following activities : ( 1 ) the commencement or continuation, including the issuance or employment of process, of a judicial, administrative, or other action or proceeding against the debtor that was or could have been commenced before the commencement of the case under this title, or to recover a claim against the debtor that arose before the commencement of the case under this title ; ( 2 ) the enforcement, against the debtor or against property of the estate, of a judgment obtained before the commencement of the case under this title ; ( 3 ) any act to obtain possession of property of the estate or of property from the estate or to exercise control over property of the estate ; ( 4 ) any act to create, perfect, or enforce any lien against property of the estate ; ( 5 ) any act to create, perfect, or enforce against property of the debtor any lien to the extent that such lien secures a claim that arose before the commencement of the case under this title ; ( 6 ) any act to collect, assess, or recover a claim against the debtor that arose before the commencement of the case under this title ; ( 7 ) the setoff of any debt owing to the debtor that arose before the commencement of the case under this title against any claim against the debtor ; and ( 8 ) the commencement or continuation of a proceeding before the United States.
AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).
Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED
I am on XXXX and I only get so much money a month, I was doing very good with all of My Accounts until My Daughter and Grandchildren had to move in with Me and she had no job and was not getting child support, Adding XXXX people to a XXXX Person income hardly leaves XXXX cents left till the next month ... I have explained this to every Creditor I have and cut up every credit card I have.. I am not saying it was not my debt but if you do n't have it then you do n't have it .. Some months I can buy all my Medicine, other months I can only buy the ones to control my pain .. I Live on Yogurt and Dried Cereal 99 % of the time ... I know there are XXXX liens on my credit history and Midland Group just won a {$1300.00} + Court Costs and I talked to XXXX of the Attorneys the day after I was Served with a Subpoena and was told that if I did n't show up that the case would just remain open, NOT A Judgement for Default for not appearing .. I have a very hard time getting around and spend all of my time in bed because it is the most comfortable for my body, I leave My House every 3 months and that is to see my Dr. My Meds are even Delivered by the XXXX In XXXX XXXX That is the ONLY time I leave my home .. My Meds are very strong and I do n't like to drive to much on them and I have become a XXXX on top of the rest of the above ... I have lost my will to care about Myself and Yes I do Stress about Owing Money to Others ... I feel like a failure of the biggest kind, but as a Mother and Grandmother, I can not allow them to suffer or be homeless. I am terribly Embarrassed and feel Completely Dishonorable.. I ask that you find a way to forgive Me and My Debt in all cases .. Most Humbly and Embarrassed ...
Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...
XX/XX/2017 XXXX XXXX Call Length 9 Minutes 1 Second This was a verbal communication. Not a written communication. Spoke with XXXX XXXX at XXXX XXXX XXXX regarding my XXXX Account. She never told me she was a debt collector and she never stated the " mini miranda '' during the call. I never heard her say " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I dont even think she advised me that the call would be monitored and recorded for quality and training purposes ... Which I later found out through a manager that their calls are recorded. 

While speaking with her I attempted to resolve by mailing in a payment and she refused to provide a physical address for her company where I can mail my payment. She advised me the only way to resolve at this point was a card ; which I do n't believe to be true. She never provided an address. 

When I tried to call back to find out if they were an attorney office or a collection agency the person I spoke with told me that they have attorney 's there but she doesnt know if they called me. I feel like they violated my rights as a consumer as well as the FDCPA ; considering they were misleading ; unfair and deceptive in what she did and did not say to me during the course of the call. 

I do n't mind someone collecting a debt from me ; but I would hope that they would do it lawfully.
i entered the XXXX in XX/XX/XXXX for XXXX i was never asked for insurance or asked if my info was correct i was treated and released then XX/XX/XXXX i went to the hospital billing and asked why i have a {$2500.00} collection, the lady said after i was treated i " just walked out '' she said they ask for insurance after treatment, thats never happen like that before, so they bill a old insurance that i had back in XX/XX/XXXX not the current insurance i had at the time of the treatment.
On XX/XX/XXXX I received a voicemail from " XXXX '' calling from XXXX. She advised she was calling from " XXXX XXXX XXXX '' and I needed to call her immediately. I returned the call and XXXX proceeded to tell me that I took out a {$400.00} loan with her company in XXXX and now owe over {$600.00}. I advised that I had never heard of her company, never took out a loan, and owed them nothing. She then provided me with " reference names '' I allegedly provided when applying for this loan and I told her I did not know who these names were. I then advised I had never taken a loan from her company, had never even heard of them, and they are trying to collect a bogus debt they are saying is from over three years ago and they need to stop calling me. XXXX then told me that I need to file a police report ( again, for something that allegedly occurred over three years ago ), and that this would be going on my credit report. I told her I went through a bankruptcy last year and do not owe anyone anything, and that she does not have the right to alter or examine my credit report at all as this is not my debt. XXXX continued to speak over me and tell me that I was " making this more difficult for myself ''. At this point I terminated the call.