WillisBack/dataset-financial-user-claim huggingface dataset:
I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a XXXX balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a XXXX type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from XXXX and XXXX stating I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them XXXX more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. XXXX and XXXX and Cypress financial ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.
I have made repeated attempts via phone and in writing to contact Resurgent Capital Services regarding a lien they have on my residential property. They apparently have purchased the debt from XXXX, but will not disclose any information regarding the debt, like how much I owe, a promissory note, or loan documents. They tell me my account is 'on hold ' when I contact them, I am locked out of the website they recommend I use to get information, and will not discuss this over the phone because it 's 'on hold '. I 'm trying to refinance my mortgage and this lien is preventing me from obtaining the loan. At this point, Resurgent 's lack of response is affecting my personal livelihood and ability to continue to run my business. I am willing to negotiate with Resurgent, but they will not respond or discuss. Either I need to understand the terms behind the lien, or the lien needs to be released immediately to resolve this issue I 'm being held hostage by.
On XXXX XXXX 2016 a charge was made on my Citi Card for {$930.00} with XXXX XXXX for a XXXX game in XXXX. I neither made the charge myself or authorized it. I immediately called Citi Card and was connected to security in XXXX and was assured they would credit my account and cancel my credit card while issuing me a new one. I took this personally so I called XXXX XXXX and XXXX XXXX to advise the tickets were purchased with a stolen credit card. XXXX assured me the order would be cancelled. 
I received a letter fro Citi Card dated XXXX XXXX, 2016 advising me I had been issued a permanent credit. it was a form letter from Customer Service with no signature or phone number. 
I received a letter dated XXXX XXXX, 2016 telling me that there was documentation showing I had the tickets mailed to my home and they were reversing the credit. Their own documentation from XXXX show the tickets were printed off the Internet so this is not true. The tickets purchased were for a basketball game that evening so it never came by mail. I called Citi Card security on XXXX XXXX and the person in the XXXX put me on hold for over an hour. He could not help me. I called Citi Card Customer service on XXXX XXXX and they could not help me. I reiterated I did not purchase those tickets and needed to speak to someone in the United States. They could not do that so I got security in the XXXX after being on hold for over 45 minutes. He took my information and said he was going to forward it to the United States to the Recovery unit. He could not give me a name or number. I asked about timeframe for resolution and he really did not know but said 2 days. It has now been 3. 
I mailed a letter on XXXX XXXX, 2016 to Customer Service in XXXX XXXX since that is where the letter came from. 
Citi Card claims that one of the benefits with the card is {$0.00} liability if someone uses the card without my consent. I feel as if I am being called a liar and a crook. I am a XXXX year old on Social Security and did not purchase these tickets. I feel as if Citi Card cares more about the vendor then their customer.
I requested a copy of my credit report on XX/XX/XXXXand discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
I sent a WESTERN UNION transfer to a SR. ATTONEY and he said he did n't get it and WESTERN UNION said it was paid correctly and I just received the letter from them stating it. and if you want me to FAX a copy I WILL.
On or around XXXX XXXX, 2016, I, XXXX XXXX, initiated in-house transfers from my Capital One checking account to go into my Capital One 360 Accounts ( XXXX PEO 360 account and XXXX Retail 360 account ). I have had these XXXX accounts with Capital One for approximately two years ( as well as the checking account ). XXXX account was used to fund my XXXX retirement account and the XXXX 360 account was intended to be a savings account. Both of these accounts was first funded by a checking account that I had with XXXX. I later opened the Capital One checking account and the XXXX 360 accounts was recurrently funded by the Capital One checking account. I was positively making deposits into both accounts successfully for a while. I came into some financial difficulties and it became that I was not having the funds available from the XXXX account nor the Capital One checking account. When this happened I would receive an email from Capital One that the funds was not available and the transaction could not be performed. Never was there an NSF attached to this issue. Due to the recurrent notice of unable to perform the transactions, I stopped the recurrent transfers. My intent was to deposit the funds as I received them ( available ). In the past recent months, this has proven to be unsuccessful. On the XXXX of XXXX, I decided to give the recurring transfers another try, in a attempt to see if this would aid me in making those funds available. The first transfer was scheduled to happen on Friday XXXX XXXX, 2016. I was aware of the funds not in the account. However, under the understanding of the present and past history, I understood that the transactions would not be made. On Saturday when I checked my account, there was a $ XXXX deficiency. Capital One transferred {$25.00} per 360 account and charged a {$35.00} NSF for both accounts. I spoke with several customer service agents at Capital One Bank and 360 representative. I stated that this was a in-house transaction that did not have to be performed because the funds was not available. As a precedent, this action would not have been performed. The XXXX rules states that ACH transactions are those of Direct Deposit or transactions on a payment. The transfers that Capital One performed was neither of these XXXX rules. Capital One did not lose on the transaction, they put funds back into their own door ; of which would be for their use. I instructed each representatives of whom I spoke to on Saturday XXXX/XXXX/2016 to return the funds back to the checking account and close the XXXX 360 accounts. They refused to do so. The funds was posted into my accounts on this day XXXX/XXXX/2016 and was available for dispute. However, Capital One failed to allow me to dispute these transactions. Please see attach transaction information showing funds not available and no NSF attach to the precedents. The representative for the 360 accounts stated that 360 does not have NSF fees associated with those account. Therefore, Capital One can not ethically initiate NSF on funds that are 360 funds.
XXXX does not allow 3rd parties to collaborate with them. I have been unable to connect various budgeting and financial management programs with my card, yet have no trouble with my other financial accounts. Inability to use XXXX or other services is an archaic and poor oversight. A strong reason not to use this card or get it until this problem is fixed.
I contacted Navient in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
I became ill and my Dr. told me I needed to go on XXXX, so until that application was processed I requested a modification since I was n't able to keep up with mortgage pmts. I was told repeatedly during every phone call dealing with the Home Preservation Specialists at Wells Fargo that a foreclosure could not be filed on my property while in the process of a modification. I received a summons stating a foreclosure had been filed with a date 8 days prior to receiving a voice mail that the modification was completed, but I was being denied. So, now to reinstate my account, I have an additional almost {$2000.00} in fees regarding the foreclosure that I 'm required to pay to reinstate in addition to my back mortgage pmts. I asked my Home Preservation Specialist why I received a summons when I 'd been told that could n't happen and after being put on hold multiple times, she finally apologized for giving me " incorrect information ''. No further explanation was given, no further assistance was offered. I was later told by a housing counselor that they should have also offered me a partial claim loan, which was never offered or discussed. I was told by Wells Fargo that I had 20 days to pay the reinstatement amount in full or be foreclosed on. When I then asked for the total amount including fees that I would need to pay, Wells Fargo said they did n't have a dollar amount to give me, but that in about 3 more business days, they would fax me the amount. These 3 days are counted in the 20 they gave me to pay. So, now there 's only 17 days to pay the full balance.
Multiple companies keep pursuing a debt that has been paid years ago. I tell them that I dispute the validity of the debt and that it has been settled, and they continue to call once the debt has been sold to a new company.
I am writing on the behalf of my Grandmother 's trust account with the Bank of America. I have watched over the past 6 plus years as this account has continued to climb during the good markets times, yet continually declines in interest payments. There have been absolutely no gains or increases in the payments, yet they have made significant gains. I have saved all letters and statements and have never seen such. 
I have been an RN case manager in the Medicare arena for over 8 years. Unfortunately, my father has since passed. I ca n't help but think about the fact that if he were still with us, he would now be living on less than $ 600/month from a $ XXXX trust fund. I question how many others are now struggling to survive on the trust that was set up to take care of them for life! It seems to me that the Bank of America is acting in the interest of themselves, rather than the beneficiary. 
Thank you in advance for any guidance with this concern. 
XXXX XXXX
I keep getting multiple phone calls a day from this company despite not having any contracts or anything with them. They keep calling in reference to a debt that for one isnt owed to them and that I have already paid! This has already cleared my account and I have even told them that its been paid but yet they keep contacting me and threatening to add this to my credit report. Well if they do I will have no choice but to exercise my consumer rights and take legal action against them! This would be the FOURTH FRAUDULENT time theyve done this to me, Ive had to report them multiple times earlier this year!
I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date.
XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with Equifax and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Nationstar Mortgage withheld money from my monthly house payment to fund an Escrow account from which they are to pay property taxes. They used the funds from my account to pay taxes on someone else 's property - landing me in collections with the XXXX County tax department. They have since paid off the collections, but are showing the additional amount as being part of my payoff amount ( meaning they are charging me XXXX for property taxes ). When my attorney and I have requested that they update the payoff since it was not my error, they are not helping me. They have told me they have to wait for the refund from XXXX County. When I contacted XXXX County, they advised me they do not refund mortgage companies for issues such as this. They said the mortgage company has to request the funds from the owner of the property that they erroneously paid. Nationstar is now saying they did not make a mistake. My attorney has documentation showing the issue and that I am being penalized for this, which is making it impossible for me to refinance my loan to a lower interest rate ( this is how we noticed the issue ). I have spent literally hours trying to get this resolved - many times being disconnected and given incorrect call back numbers or numbers that route to the wrong department. I also gave each of the representatives my call back number and no one has called me back. I left several messages with XXXX in the tax department and she never returned my calls. I want to move my loan from this company ( which could be accomplished through a refi ), but they are showing me as owing {$6000.00} more than I should, which means I would have to come out of pocket and hope for a reimbursement at some point.
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company XXXX ever contact me regarding this alleged account. I have never heard of you until I reviewed my credit file. XXXX never gave me the right to dispute the validity of this account before putting into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
The creditor and its servicer previously stated in their response to CFPB complaint # XXXX and XXXX, following the payments, I would need to contact us to agree to the terms and conditions of the forbearance, to process the forbearance. I called Navient multiple times to complete the forbearance. 

Since XX/XX/2018, I have been calling Navient to request for forbearance, Navient reads the forbearance T & C over the phone and told me that Navient no longer accept non-US credit card/debit card, for the payment of $ XXXX. 

In XXXX, I sent {$50.00} via domestic bank-to-bank transfer and called Navient. Navient read the forbearance T & C over the phone for me and still did not process the forbearance. I called again and get re-routed and re-routed to robotic assistance. After repeated attempts to complete the forbearance, I was transfered to the message inbox of Navient 's Office of Consumer Advocate. It appeared that the blockage is due to : : : : : : : " XXXX '' XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX. XXXX, x XXXX ... .... Navient 's Office of Consumer Advocate deliberately blocked my forbearance request ... .. The forbearance is supposed to be renewed every 3 months. Then I sent another payment for {$100.00} on XX/XX/2018, domestic bank-to-bank transfer ( confirmation # : XXXX ). I called again and get re-routed to robotic assitant and the message inbox of Navient 's Office of Consumer Advocate.
One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve.
These two companies were filed on a bankruptcy and not removed frm my credit report : 1. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XX/XX/XXXX XXXX -- XXXX XXXX XXXX-XXXX  -- XXXX XXXX XXXX Court -- XXXX XXXX Court, XXXX XXXX 2. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX county court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX DISC case # XXXX Filed -- XX/XX/XXXXXXXX -- XX/XX/XXXX ATTY -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX  Court-Federal District Court CASE # XXXX and CASE # XXXX are still on my credit report and need to be removed so I may purchase housing.
The billing office of XXXX XXXX, XXXX had not submitted any of my XX/XX/XXXX claims to my insurance company, though they accepted my health insurance, XXXX XXXX, all year long. " XXXX '' in billing stated she missed timely filing deadlines and ordered me to pay, or she would withhold medical services. I paid {$300.00} by check in XX/XX/XXXX, and on XXXX XXXX, XXXX I paid another {$180.00}, toward this debt on my XXXX card. They sent me to collections on XXXX/XXXX/XXXX ANYWAY, for {$610.00} at Healthcare Collections , LLC aka HCI, ( XXXX ) XXXX XXXX. I had 2 separate conversations directly with the doctor ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX and emailed him on XXXX/XXXX/XXXX, who admits XXXX balance, though I continue to receive rude, harassing calls from HCI on a daily basis from XXXX ( or XXXX ) & XXXX.