WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.
I was never contacted about this debt on my own personal phone, they contacted my brother, mother and sister in law, and spoke to them all about why they were calling, all gave them my cell phone number to call, instead they called my work and talked with my boss about what they claim they are going to take me to court for if I do not and stated that they were going to fax my boss over some documentation that I would need to fill out and send back to them. Never once speaking to me.
I have a mortgage with Chase. It is a XXXX MORTGAGE. Chase stated that they were sending me all of my information that I requested from them regarding validation of the amount they are stating that I owe them. What they are claiming I owe is wrong, Chase did not send the validation, they just keep sending the exact same bogged up screen-print that they invented. The information is false. Now I just got a letter from Chase stating that my mortgage was sold to Chase. They are plotting to steal my home. Each time I was promised a modification by Chase They raised the payments instead of lowering them. Now I got a letter in the midst of this process stating that they are filing for foreclosure. Chase has illegally stolen the equity out of my home. I want justice. Chase did not report many of my full payments made to them. PLEASE HELP ME
We applied for and received and unsecured loan of {$8500.00} from PNC Bank. When we closed on the loan, the APR and Finance charges showed 0.001 % and {$0.00} ; respectively. Days later, I get a call from the bank asking me to return to sign new disclosures as the APR and Finance charges were incorrectly stated and they admittedly stated this was their error. PNC stated the rate would increase to 9.9 %. I politely refused and told PNC to stand behind and honor the original APR and finance charges listed in the disclosure. I even pointed out some of the regulations outlined in TILA. I ended up speaking with the branch manager ( XXXX XXXX XXXX who told me that I would most certainly face legal sanctions if I did n't come in to sign a new disclosure, once they had corrected their mistakes. They also suggested that I immediately repay the loan and reapply for another loan. I still refused and told them I would agree to the terms outlined in original the disclosures and loan paperwork ; as such, promising to repay the loan at the agreed ( in writing ) rate. The branch manager then attempted to guilt me by staying the employee who closed the loan would be disciplined and said it was, " collateral damage ... I guess ... ). Now comes, this complaint.
I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me.
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Since XX/XX/2018 until present I have tried to cancel a recurring {$19.00} Experian Credit fee. I can not email them, they make you call and never answer the phone. I have called more than a dozen times with 20 or more minutes of wait time. Please stop them from stealing.
When I purchased my home XX/XX/XXXX, after settlement I was informed the home had 2 HOA 's instead of the one we agreed to in settlement. Thereafter it was always a struggle to pay both. In XX/XX/XXXX I lost my job, I was still paying the mortgage using my retirement savings. I reached out to Ocuwen, my loan servicer since my mortgage company went bankrupt, for help. They told me there was no way they could help unless I stopped paying the mortgage. Since in XX/XX/XXXX, I was almost out of retirement funds, I followed their advice. I went through the process of filing a modification to the loan three times. On the third time, in XX/XX/XXXX, I decided to list the home for sale since I wasn't sure what the outcome would be and it was schedule for auction XX/XX/XXXX. My realtor found a buyer for $ XXXX, I owed $ XXXX. The buyer was scheduled to settled XX/XX/XXXX. Ocuwen refused to accept the buyer and put the foreclosure on hold. The home went through the auction, I never heard anything else from Ocuwen. In XX/XX/XXXX I received a XXXX for $ XXXX debt write off. What are my writes because I do not feel like any of this was handled properly. I feel like Ocuwen set me up to take my home.
My mortgage loan was acquired by Green Tree from XXXX, XXXX. I have made my payments during my 20 year, fixed-rate mortgage. Now that my mortgage is paid in full, after paying my regular monthly payments as provided for in my statements, Green Tree has sent me a statement indicating there is an additional {$11000.00} due. I believe their records are incorrect and dispute this amount. 

I have tried to get information from my account representative multiple times during the XXXX week of XXXX. However, she has not given me the information I have requested. I even faxed copies of my records to her, and she has not responded.
This is my XXXX complaint against Wells Fargo. Wells Fargo was dual tracking our mortgage they have sold my home back to the bank at auction after never considering us for hamp or harp or a partial fha claim. They also do not have a clear title in which to foreclose on. The title is clouded since a previous refinance with Wells Fargo. The also claim that XXXX Is the title holder and benificeiary when that has been determined to be invalid by the courts. We made many trial payments expecting a modification and as soon as the trial payments were up they restarted the foreclosure process. The note is in blank and supposedly transferred from the original lender to Wells Fargo in 2006 but there is no dates on the endorsement and the women who signed as the officer for the original mortgage company was never an employee of them but a employee of wells fargo making the endorsement done at the time needed for foreclosure. These process are detailed in there foreclosure manual that I have a copy off as how to make the endorsement valid for foreclosure. I have a signed document from Wells Fargo with the name XXXX in it which is fraud. XXXX is imprisoned for commuting fraud on mortgages satisfactions and notes. If this document is fraudulent then everything there after is invalid.
Had a horrible experience wit h Citibank an d having been trying to resolve since  XXXX     2016. Spo use opened a credit card in my name and bank did not get routing number correct for auto payment. Which turned in to two months  of non payment. Recieved a phone call finally in  XXXX  of past due amount and upon confirming I do indeed have account with them paid it immediately and was advised no negative action would be taken if paid in full that day. I was lied to and they ended up sending it to my credit report which negatively impacted m y credit score goi ng from  XXXX  down to  XXXX . Numb er one the y never confirmed I am th e one opening said such account and number two state d they would not report this do to a clerical error. They refuse to remove the negative comment and state they sent emails of past due amount. I admit there is email after going back to history but since I never opened the account fiqured it was fraud and someone trying to get my personal information. Please look into this as I am sure I am not the only one they are doing this to.
I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet Experian and XXXX have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
Bank of America Home Loans, As per our telephone communications on Thursday XX/XX/XXXX. I beg to differ with your resolution concerning BOA or XXXX XXXX XXXX having the authority to add a XXXX mortgage to my XXXX mortgage -- -then holding my XXXX mortgage hostage from being refinance by another bank or mortgage company. There is no Florida Statue that states that you can do this. When my XXXX mortgage was transferred from Country Wide Home Loans to Bank of America loans in XX/XX/XXXX It was only a XXXX mortgage. I had paid off the XXXX mortgage with Country Wide. However, there is a Florida Statue XLI, of Frauds, Fraudulent Transfer chapter 725-727. Thus, BOA and XXXX XXXX are not only breaking a Florida Statue. You are committing a Federal Crime by trying to extort {$93000.00} from me across State lines.
I have a credit freeze on my account. FTC advice states that my report can be released to your existing creditors or to debt collectors acting on their behalf. XXXX XXXX Bank, an existing creditor, has sought my assistance in accessing my report. Despite multiple attempts & phone calls both by me & on behalf of me by the creditor, XXXX has been unhelpful in providing that access. Please assist me in helping this existing creditor have my report released. Thanks.
A recent check on the XXXX XXXX XXXX XXXX XXXX found a foreclosure case filed against me by a Gregory Funding/GREAT AJAX OPERATING PARTNERSHIP LP. There were motions submitted for approval and hearings held on this case without being served or even a summons being issued by the court. I spoke to the attorney of XXXX XXXX XXXX XXXX XXXX and asked that he cease and desist because there was fraud being committee upon the court in this file and to cease and desist all actions against me because I do not owe this debt. The original default on this debt was in 2007 which in the state of florida puts this out of the statute of limitations. I do not owe this debt to this company even if that was possible without fraud being committed it is out of the statute of limitations. I plan on contacting every federal state regulatory agencies including the bar to complain about this attorney moving forward with fraudulent documents for his client. I am willing to take this to the supreme court if I have to because I do not owe this money to this entity. I have no idea who they are and I will not pay an entity that will try to strong arm me to pay by abusing me and the judicial system. This is a notice of error and to cease and desist foreclosure efforts because I do not owe this debt. They are in violation of Tila Respa FDCPA and Dodd Frank. I will make sure that all agencies are apprised of their fraudulent actions.
I have enclosed documentation but briefly Nationstar Mortgage was servicing a non secured loan that was discharged in Bankruptcy Court in 2013. Approximately a year and a half later I began receiving " Informational '' statements from them that look exactly like invoices. I have attempted to have them stopped being sent and have been assured by their staff it would but they continue to send these. I would appreciate any assistance on your part to review and assist me with this matter.
For the last month and a half I 've been dealing with the the following loan consultant from Wells Fargo in XXXX. She 's now missed my closing deadline, lost sensitive financial information that has been given to her numerous times, requested ridiculous information with out providing any explanation as to reason why? requesting multiple signatures on the same files and records that have been provided to her, that are redundant, requesting information that can not be produced, and truly unnecessary ... I can go on, an on, and provide back up to any of my claims as I 've kept records of the information she has missed, and the requests that so capricious to the point of being racist. Unsure as to where to go, and what to do for answers and help, i 've reached out to her manager, to the baking institution and nothing seems to make a difference ...! It might be to late for me now and I might end up loosing quite a bit on this transaction for my new home that should have been extremely simple. But wanted to share my frustration and bad luck, in case it helps others avoid this same experiencing with this individual from Wells Fargo ( with XXXX ID XXXX ) XXXX Sincerely,
TO : Prospect Mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear sir or madam, Earlier this year I received the attached form XX/XX/XXXX XXXX XXXX from you. After numerous attempts to contact you and receiving no replies I was forced to submit this form with ny XX/XX/XXXX taxes. <P/>However I have no idea why you are sending me this form. Our mortgage was with your firm in XX/XX/XXXX. You sold it and the mortgage is now with XXXX XXXX. <P/>Why are you sending me this form after all these years? Is there an escrow or other amount of money that you still have the belongs back to me? <P/>I would like to clear this up in an amicable manner. Kindly let me know what the status of this account is. I believe a due date by XX/XX/XXXX is fair. Please reply by then. <P/><P/><P/><P/>Continuance : I made several calls to Prospect Mortgage in XX/XX/XXXX. No calls were returned. I believe the last call was XX/XX/XXXX at XXXX XXXX ET. I spoke with XXXX. She took my name and number and said someone would call me back. This was typical of two or three other calls I made. No one ever returned a call. So I wrote the letter as detailed above and dated XXXX.
problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
We received a loan modification agreement from Nationstar mortgage. We made the monthly payments according what we perceived the payments to be ( the mortgage company never sent any information to us after repeated attempts from customer service ). We received notification from Nationstar that we were behind, because we were only paying the principle and interest, and not the taxes and insurance. We requested information in writing regarding this and have made several attempts with the mortgage company to pay the past-due amount to cure our mortgage. We have received nothing but inflated amounts that is always higher than when we contacted them in XXXX 2015, but nothing in writing. Nationstar has sent nothing that would be a positive step in correcting the error and bringing our mortgage current. We are at the belief that this company has predatory lending practices, and is intentionally trying to foreclose our property.
The issues is with Discover Card. My phone company, XXXX XXXX went out of business for serving customers in the state of Michigan. Discover Card charged XXXX times, XXXX we disputed, and XXXX new charges in XXXX. So Discover charged 14 monthly payments, and keep arguing they have given in all the credits for disputed charge. They have not followed up on phone calls, complaints, investigations, the Discover Card agents agree we are due 5 months credits, but then after we get off the phone nothing happens.
The debt collector has been harassing me with multiple phone calls. Even went the extreme to start calling me on a 2nd phone number. I was interrupted at my work place over and over again. 

The most recent form of harassment was at my personal residence. A person ( not authorized ) or allowed in my secure resident building got into the building with out being buzzed in by me ( personally ) I am the only one that can buzz a person into my building with my cell phone. Apparently a person came to my condo door during the work day and knocked on my condo 's front door. The person tried to had off papers to a friend and that person said I will not accept any paperwork for my friend. Later, I found paperwork on my doorstep. The paperwork was not in an envelope. The person left small claims paperwork on my doorstep, open for any resident to read. This is an invasion of my privacy and I did not authorize a person ( s ) from Atlas to enter my building residence at XXXX XXXX XXXX XXXX. XXXX OR. XXXX ( XXXX XXXX ) I will say again my building is secure ( no doorman ) but we have locks on all doors including the garage doors and entrance through the garage into the lobby. No one is to tress pass or enter the building with out the resident letting a person ( s ) into this building. 

I believe the paperwork left at my door step is a form of harassment friend and to myself and I would like to file an official complaint against Atlas Financial Services.
I received a letter from TD Retail Card Services dated XXXX/XXXX/15 stating that my account is past due and to promptly send my total payment due. I call TD Retail customer service to inquire about my late charges, as I have never missed a payment. In short, they stated that I made XXXX separate payments in XXXX reflecting as a combined payment, rather than posting separately for XXXX and XXXX. The supervisor stated that I have to make payments monthly after the XXXX and before the XXXX of the preceding month to prevent XXXX posting to the same month and reflecting no payment for the next. Here is the sequence of events : XXXX paid, XXXX posted. XXXX paid, XXXX posted. XXXX paid, XXXX {$25.00} late fee, XXXX posted. XXXX paid, XXXX {$35.00} late fee, XXXX posted. Amount currently due : {$98.00} ( {$60.00} late fees ). This institution refuses to reverse adverse charges and to reinstate my account to current status reflecting 0.00 % for remaining balance owed. I have made all payments either on time or early, and this financial institution wishes to punish me for being a responsible consumer. Additionally, this unfortunately changes the terms of agreement from XXXX months with no interest to 29.99 %. This poor customer service is having a negative reflection on my current account and credit report, as this company is showing my account as late or not current.
I asked Citibank for a payment history of my Student Loan. I have called Citibank several times asking for the payment history from XX/XX/XXXX to XX/XX/XXXX.
Ttarget is charging odd amounts to my credit card, such as a penny here and there as the total. I was aware of this on XXXX XXXX. Also no one in customer service would respond. They have. Weird way of charging for online orders. They do it individually as shipped, but a penny. I sense something fishy.
they are charging me a debt that we should not we have a year of receiving calls from sunrrise credit sevices # XXXX