WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX is representing the creditor Pinnacle Services, LLC that is trying to collect on an old debt for a XXXX XXXX bill dating back to XX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from XXXX XXXX, XXXX dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
Was contacted and left message informing me t

hat I was to pay and old pay da y loan with Evergreen Acquisitions that represented some lawyers. Debt was said to have been bought off from original lender and was now their righ t to claim all due debt.
this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake
XXXX children submitted a Power of Attorney form to the Bank of America office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help.
This Complaint is to address the false information being reported against me, as well as the unfair practices by Capital Accounts LLC. 
1. Date of Delinquency is being reported as XX/XX/XXXX, however, this is not the date I was seen or service performed. My records along with the records from my insurance company report DOS XX/XX/XXXX. 
2. At the time of service, I paid {$81.00} as instructed by the office manager, prior to any services being rendered. When the dentist filed a claim with my insurance on XX/XX/XXXX ( 7 days before the day being reported ) it was in the amount of {$130.00}, my insurance paid {$68.00}, with my responsibility being {$67.00}. This means Dentist office owed mt {$14.00}. 

3. A debt collector has been changing the amount owed every month since it has been reported XX/XX/XXXX. 
4. No one has ever sent me anything validating this debt. However I have been denied credit on account of this UNLAWFUL Debt, & it has taken my credit score down every month since XX/XX/XXXX That is 5 years anywhere from 3-6 points over the past 72 months. 
I will be contacting an attorney over this, I demand a response validating this debt, the amount and how you justify changing the amount every month for past 82 months, and where you attempt to contact me about this debt I do not owe. 

According to the Fair Debt Collection Practices Act, Capitol Accounts is in violation of the following, but not limited to ; 808 ( 1 ), 809 ( a ), 809 ( 1 ), 809 ( 3 ) & ( 4 ) *this is not an exhaustive list, many other violations
Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to Bank of America to ensure its compliance with Regulation X. During the past few months, we have run into several issues while our client continues to try to get her loan modified by Bank of America. This will be the third CFPB complaint we 've had to file pertaining to this mortgage loan. The borrower submitted a Loss Mitigation Application to Bank of America on XX/XX/XXXX via facsimile transmission. We emailed an exact copy to Bank of America 's prior counsel at XXXX XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX at the specific request of XXXX to direct any and all loss mitigation communication to their office only and not to send anything directly to the bank. Pursuant to a letter from XXXX dated XX/XX/XXXX, there was no foreclosure sale scheduled as of XX/XX/XXXX according to Bank of America. 

As discussed in our previous complaints, we continued to have issues with Bank of America throughout the review process, including the borrower 's home being set for foreclosure sale while the active review was still pending. The evaluation of the borrower 's application was finally completed and she was offered a trial modification plan on XX/XX/XXXX, which was sent to our firm by XXXX XXXX XXXX XXXX. ( " XXXX '' ), Bank of America 's foreclosure counsel. Due to the lack of information provided in the offer letter, the borrower asked that we request some additional details about the trial offer. Since it has been very difficult to get anyone on the phone at Bank of America to discuss the borrower 's loan account, we reached out to XXXX via email with our client 's questions. After receiving no response from XXXX, we also submitted a Request for Information via US Certified Mail to Bank of America 's designed address for such correspondence. We still have n't received any additional information pertaining to the terms of the proposed modification. 

Despite the foregoing, the borrower sent her first trial period payment pursuant to the terms of the offer letter via US Priority Express Mail on XX/XX/XXXX, which Bank of America received on XX/XX/XXXX. Even though our client made her first payment and Bank of America received the payment before the stated due date ( i.e. XX/XX/XXXX ), our client 's home remains set to be sold at foreclosure auction on XX/XX/XXXX. The borrower has called the clerks office several times and was informed that there has n't been any efforts made by Bank of America to cancel or move the sale date. We also reached out to XXXX regarding the upcoming sale and we were told that Bank of America has not given any instruction to postpone the sale date. 

Moreover, we continue to have trouble trying to contact Bank of America in connection with the borrower 's loan. Every time we try to call, we get an automated message about technical difficulties and then the call is disconnected. This has been happening for several months now. Recently, we can only reach a live person by using a different client 's loan number and then asking the representative to subsequently pull up this particular loan once we have someone on the line.
On XX/XX/XXXX, I paid {$10000.00} on my mortgage. This should have been allocated as a single monthly interest payment ( in XX/XX/XXXX, interest was {$960.00} so XX/XX/XXXX should have been similar ) and the rest to principal. Instead, Ditech charged {$2800.00} in interest. Importantly, this is a pattern of overcharging interest by Ditech. They have done this several times to me as you can see in the payment history.
I already filed a complaint against the issuer JP Morgan Chase. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
Mortgage back security, there is no such beast, IT IS EITHER OR, AND NON DISCLOSURE, XXXX is now liable for holding a forged instrument, ACTING AS FRUADSTERS PIRATING MY TRUST AS WELL AS XXXX AND XXXX.. I have no contract with XXXX, XXXX nor US BANK, XXXX, OR XXXX, nor do they have one with me, I XXXX any way spelled, withdraw any signatures that has fraud and forgery INSTSRUMENT, as XXXX ( XXXX. AND XXXX.. EVERYTIME ANYONE ACTS UPON THIS FRAUD WILL HAVE ACRUED CHARGES OF XXXX AND WARRANTS APPLIED THAT MAILS ME OR ANYONE ELSE AT MY ADDRESS TRICKING SCHEME INTO A CONTRACT, AS IN MY TRUST OR LEGACY TRUST OF ANYONE IN MY FAMILY, AND NOT TO HAVE FRAUSTER REAL ESTATE TASK FORCE OR HIRED MERCINARIES COME AGAINST ANYONE TO FORCEABLY ENTER OR CLAIM, YOUR ACTIONS ARE A CONSTITUTIONAL, RESTORED REPUBLIC UNDER DONALD TRUMP OR SUCCESSOR. YOUR FORIEGN PIRATES AND ACTING UPON UNLAWFUL LAWS OF THE LAND. cfpb IS NOT A CONTRACT BUT TO FACILITATE THE FRAUD PERPATRATED UPON THE PEOPLE. USING COMMERCIAL PAPER ON HOMES IS UNLAWFUL AND NOW YOU ARE LIABLE WITH ALL OTHERS TOP TO BOTTOM. MR. TRUMP HAS BEEN NOTIFIED AS OTHERS. I SUGGEST YOU BEEN BOW OUT OF THE TRUSTEE POSITION AND XXXX CLAIMING A TRUSTEE POSITION AT THE SAME TIME, AS WELL AS THE XXXX TRUSTEE FRAUDSTER POSTITION AND NOW IN HIDING. SAME WITH THE ATTORNEY. ALL HAS BEEN DEFRAUDED FROM THE VERY FIRST FRAUD REAL ESTATE CONTRACT, HOMES AND LAND ARE NOT ... .. AGENTS ARE PRINCIPLE FRAUDSTERS AND SO YOUR YOU WITH YOUR FIAT AND PAPER, NOW YOU WILL HAVE TO SHOW A TITLE TRAIL AND PROOF THE SELLER OF MY PROPERTY HAS BEEN PAID OR GO AWAY AND REMOVE THE FRAUD LIEN, THE XXXX TOOK ALL LIENS AND YOUR FAKE LAWS OUT XXXX, AND YOU CONTINUE IN THIS SCAMING THE PEOPLE. AGENT TO PRINCIPLE, PRINCIPLE TO AGENT NOTICE, I HAVE CLAIMED MY LAND AND HOME AND PERSONAL EFFECTS, AND HAVE A NOTICE OF DEFAULT UPON CHARGES AGAINST YOU NOW. ANYTHING THEREAFTER IS XXXX. XXXXYou can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and 1122 AB Material Violation XXXX Transfers and servicing of financial assets - XX/XX/2016 - Sale of mortgage servicing rights with a subservicing ... 
Regulation AB mortgages, installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortGage Violates 1122 AB under the SEC once you divest your collateral its gone, bye bye so what are they foreclosing on? 
THERE IS NO MORTGAGE!!! BONDS ARE SLAVERY AND WAS ABOLISHED! 
XXXX AND XXXX FRAUD UPON THE PEOPLE
I visited the XXXX XXXX, VT Peoples branch to update my information and remove the custodian on a securities account along with the custodian of the account and all necessary paperwork. Both the teller and XXXX XXXX, the woman who updated the account, said the custodian 's authorization to make the changes and remove the custodian was not needed and that the account had been updated. 

The following day, I received a phone call from XXXX XXXX to visit the branch again as there had been a problem with the paperwork and the custodian 's authorization was needed. During a phone conversation with XXXX XXXX XXXX ' customer service, XXXX XXXX, the customer service representative, informed me that XXXX XXXX was not listed in the securities employee database. 

In a follow-up phone call from XXXX XXXX, she accused me of suspicious activity by changing my name, address, and removing the custodian in XXXX visit and pushed for a reason as to why it would be so difficult for the custodian to authorize the change.
I used XXXX to help me settle some credit card debt. I have a contract with Wells Fargo that stated they agreed to except {$3600.00} in payments which I have and canceled checks by Wells Fargo to show this was paid in full. Their lawyer has now filed a suit against me for the outstanding amount which was an amount that Wells Fargo agreed to write off. I have all the canceled checks as well as a copy of the contract by Wells Fargo showing this was paid in full. I have placed multiple phone calls to The lawyer of Wells Fargo and he refuses to call me back.
I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.
On XXXX XXXX, 2017 I wrote to Central Financial Control letting them know that the reporting showing on my credit report is not accurate. I had to write again on XXXX XXXX asking them to validate the debt and provide me evidence that this debt belongs to me. They have failed to respond to either of my requests. I also wrote to the Credit Bureaus who were of no help.
I was part of the Midland Credit Management TCPA Class Action Lawsuit Settlement. Midland is not following through with the ruling as to removing negative information and still reporting negative and inaccurate information. Midland Is continues reporting a recent balance of {$360.00} on the account XXXX on my XXXX and XXXX reports showing a date opened of XXXX 2013 also would not show proof or validation of the alleged debt and numerous harassing phone calls with that and also another alleged Acct. XXXX in the alleged amount of {$870.00} which this account would also fall under the TCPA.
I enrolled in the Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. Once I enrolled in the program my student loans were transferred over to XXXX XXXX. Once I verified my employment they updated my remaining payments. In XXXX I also got verification for the employer before my current job and was told payments from that could be used as well. Once that was submitted the payments on my statements to XXXX became confusing. It Went from 34 Qualified payments ( XX/XX/XXXX ), to 20 ( XX/XX/XXXX ), to currently 17. At last call to them ( XX/XX/XXXX ) I was told a review was submitted in XX/XX/XXXX ). I have not been able to get an accurate understanding of where I am in the process of completing the PSLF program which is making it difficult for me to plan financially long term. I have made many decisions to remain at a non-profit given the opportunity to participate in the PSLF. There are several other practices that I have experienced that make me feel like they are not trying to help the customers in getting forgiveness. 
1 ) I have automatically been put in forbearance 2 times without my consent, the account accrued interest. When I followed up with this, I was told it was due to natural disasters that I was not a part of ( wildfires in XXXX California and Hurricanes on the East Coast ). I requested that the payment I sent be applied, but this resulted in an over payment ( which later I find out does not account for a qualified payment. 
2 ) Every time I call there is no information on my account being updated. I am told that the reviews of information take a long time, but I have been going through this over two years. I need to be able to plan long term financially for my family and I.

I am very concerned especially since I am hearing horror stories of people who think they have completed the program but only later to find out their payments did not qualify. I find it hard to believe that a financial institution can not tell the status of its customers financially.
I paid the amount requested from Portfolio Management group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection account.
I applied for a XXXX American Express card and was told that I would receive XXXX reward points upon me spending {$1000.00} on the card within my first 3 months. prior to me applying for the card I explain to the representative or ask the representative I should say if I would be disqualified for the XXXX reward points because I had previously applied and was a proof for the same card in 2014 but I declined to get the card.I was placed on hold and came back as they told me I would still be eligible for receiving the XXXX reward points upon spending my XXXX thousand dollars since I never got the XXXX card.this information was told to me prior to me giving my approval for American Express to run credit for the card now that I have the card and have used a thousand plus dollars on it and have made payment of that money back they are telling me that I wo n't get the XXXX. I asked why would I not get the XXXX points and they are saying because I had been approved for a previous card.I tried to work this issue out with them. I emailed them and contacted them several times and no one has responded to my emails and the supervisors that I 've spoken with said there 's nothing that they 're going to do with the exception of reprimanding the representative as they will not give me the XXXX points that was promised.I was approved for the card under false pretense a false advertisement from Amex.
I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch.
I closed the credit card account and left the country. I lived in XXXX for the next 5 years and come back to realise that I have debt.
I have been trying to arrange an income based repayment plan for XXXX months now. I mailed in my forms and supporting documents on XXXX XXXX, and did not hear back from XXXX. I emailed XXXX at the end of XXXX and did not hear back from them. I faxed the same forms to them on XXXX XXXX, emailed, AND sent new physical documents via XXXX. Still no word. 

Then, yesterday, they called me to " make sure I pay my past due balance. '' Mind you, the amount due has STILL not been addressed by anyone. The representative I spoke to then searched for my forms and told me they were in " processing '' and he would have to expedite the process. Excuse me, but is n't XXXX months long enough to process a simple request? 

Rather than understand that my case is being processed, this company has continued to call me with harassing phone calls repeatedly. This is abusive behavior, and it is damaging to XXXX credit report. I filed my forms on time, XXXX is holding up the process.
TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE
When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute on XX/XX/XXXX with Equifax stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XXXX XXXX -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number