WillisBack/dataset-financial-user-claim huggingface dataset:
Hello. I received a letter from Green Tree Servicing that my interest rate is being adjusted higher. I have attempted to call them to resolve this situation as I should not have an adjustable interest rate. They have supplied me with documents, but I have not signed them. Green Tree continues to tell me they ca n't access the documents as this mortgage started with XXXX prior mortgage companies.
I have XXXX XXXX on Coinbase, and their vault walelts stopped working before the XXXX Cash fork. I am now unable to collect a potential $ XXXX because of their bug not sending and email! I may never see .y coins again because their support is non existent!
On XX/XX/XXXX I got a mortgage on my Mom and Dad 's home to help pay debt. The loan paid of some debt and the rest covered the mortgage. The loan was with my parent 's bank XXXX XXXX XXXX XXXX XXXX. The mortgage was for : Principal and Interest {$740.00} Flood insurance XXXX Mortgage Total : {$790.00} **Please note that hazard insurance, PML/FHA, Taxes and other were NOT apart of the loan as my parents are on fixed incomes and could NOT afford it. I pay their taxes and homeowners insurance seperately as I have proof of that. 

XXXX sold the mortgage to XXXX who at one time tried to collect the escrow for taxes and homeowners, but I sent them the original loan documents and they corrected it immediately. 

XXXX sold the loan to XXXX XXXX XXXX and since XX/XX/XXXX, I have been trying to get the to stop trying to take the escrow for Taxes and homeowners. They have received proof that I pay the taxes in XX/XX/XXXX of every year and this covers the payment due in XX/XX/XXXX and XX/XX/XXXX, I have also sent them records that I pay the homeowners quarterly. I was originally told to just pay my original amount until they get it straightened out, So that is what I did each month I pay the payment of {$790.00}, then in XX/XX/XXXX they put payments in suspense, moved our payments to escrow and made it look like we were late on payments. Finally in XX/XX/XXXX I talked with another supervisor who said once I paid the amount of {$3600.00} which would bring account current ( even though we were current but they were putting our payments elsewhere ) the problem would be fixed within a week and we would get the escrow money back ( WHICH WAS MONEY I WAS GOING TO PAY TOWARDS MY MOTHERS FUNERAL EXPENSES SHE XXXX XX/XX/XXXX ). But again they lied and refuse to abide by the original mortgage loan. I have provided them with all 3 years of tax payments, documentation to show that I also pay homeowners. XXXX county also always returns their money to them and they have a note not to accept their payments. Now it is XX/XX/XXXX and they expect me to pay a payment of over {$1100.00}, which is way more then my Father has from is pension. WE DESPERATELY NEED HELP!!!
Lender contact info is no longer working, both telephone and email. Installments increased from {$330.00} a month to {$450.00}. And we 're only supposed to be for 2 months now going on 4 months
On XX/XX/XXXX I purchased a pre-paid American Express gift card for {$270.00} through spa in California. I gave the card to my daughter. When she went to use the card, she was told it had no money on it. She contacted American Express ' gift card unit and was told that someone made 3 charges on the card on XX/XX/XXXX. Since the card was never out of her possession, both the card number, the CVC and the expiration date of the card must have been stolen as two of these charges were made on line. American Express refuses to compensate me for this loss saying that they don't do that even though the number was apparently stolen. I reviewed their agreement and it totally avoids any paragraph that addresses such theft. I would think that such theft is an inside job. In speaking with the XXXX XXXX, they indicated that they dropped American Express because they have had similar problems. I would expect that the company would be concerned about such hacking of card numbers but they seem totally disinterested in tracking down these thefts. One representative said that once the pre-paid card is issued they have no further responsibility as to what happens to the card relative to fraud or theft ; only if the card is lost or stolen. Why would anyone want to buy an American Express pre-paid card if it is subject to hackers and has no protection? I think American Express should make that a clear disclaimer on these type of cards like tobacco companies warn you of the risk of XXXX.
This account was opened i n 2012 a nd I believe the information on this account is wrong. This account should have been removed a while ago. I am not sure if this account even belongs to me.
Ingo Money App ( infomoney.com ) is a shell company created by XXXX XXXX XXXX XXXX ( XXXX ) that provides mobile/online check-cashing services via mobile app. My tax refund check was stolen out of my mailbox and fraudulently cashed using the Ingo Money App in XX/XX/2017 by an unknown person. I have contacted both the XXXX XXXX and Ingo to  obtain a refund of the money ( {$850.00} ) they facilitated the theft of and both have refused to provide restitution. When I called to inquire about the " customer '' who cashed the check in my name, Ingo admitted to having the thief 's email address and phone number but would not release it to me without a subpoena. Ingo also admitted that they do not require any identification whatsoever to cash checks. Their website advertises the option to cash checks into any form of cash that can not be traced back to the casher, such as XXXX gift cards. They also advertise that should a check be returned as unpayable, the casher will not be fined or penalized. Their business model is geared toward appealing to identity thiefs and scammers and they need to be stopped. To date, I have not been made whole for my stolen tax refund check.
Adding fees to dept without the proper " Expressed '' signed financial policy of the  Client they  represent, along with deceptive and misleading documentation. The agency, Receivables Management Systems letter sta tes one thing and the Itemized bill from their clients states another.      The FDCPA and FTC states that a debt collector  may attempt to collect a fee or charge in addition to the debt if the charge is " expressly '' provid ed for in the contract creating the dept and the charge is NOT prohibited by state law. Their  Client where the services took place is located in PA as well as myself. The state of PA the law states that in order to charge any fees, it must be expressed as to how much the consumer will be charged, their Financial Policy does n ot.     I requested an Itemized copy of the bill as well, the bill does not have these fees itemized. The collection letter from the company states   one amount and the itemized bill states another amount. The letter from RMS states " Other charges ''.
Under the FDCPA it is unfair to consumers to hide the true character of the debt, there by impairing their ability to knowledgeably assess the validity of the debt. Therefor they did not comply with the FDCPA 807 & 808 which would be to itemize the various charges that comprise the total amount of the debt.       It is the duty of the collection agency , RMS, to be  aware and understand their clients  Financial Policy when it comes to adding fees to debts. In this case the Financial Policy not " expressed '', and the itemized bill and letter are misleading and deceptive.      Thank you,  XXXX   XXXX
As of XXXX XXXX, 2016 " PORTFOLIO RECOVERY ASSOCIATES '' has resubmitted a debt that is not mine. New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debt Collector Original Creditor Balance Owed Reported By PORTFOLIO RECOVERY ASSOCIATES XXXX {$5200.00} XXXX This debt was removed then reactivated. Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections accounts have been removed from your credit report. 
Account Type Removed Status Reported By XXXX. Collections Removed XXXX PORTFOLIO RECOVERY ASSOCIATES Collections Removed XXXX The original amount owed according to XXXX was {$2500.00}. This should be illegal.
XXXX AND RAZOR ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' XXXX COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
XXXX COUNTS OF F.C.R.A. 
XXXX COUNTS OF T.C.P.A. 
XXXX COUNTS OF F.D.C.P.A.
I have an issue with a company called  Montery Financial Services. I  have authorized them to on the  XXXX  of every month starting on  XX/XX/XXXX     to withdrawal the amount of approximately {$150.00} dollars from my bank account. However, for whatever reason for the first month the automatic withdrawal did not go through. Having me to call in an do a charge over the phone at the rate of an additional {$15.00} dollars per transaction. The contract I signed was allowed for {$150.00} per month an not the additional fees they tack on for their arbitration of refusal for payment.  <P/> I called during the second month to see why it was taking my automatic payment so long to post. Only to be told it can take up to  five  business days to process the card. However during that interim they charge an additional {$10.00} dollars per day to the monthly balance over the amount agreed in the contract. Secondly, the person I spoke with stated my card was pending and I was given a confrontation number for my payment not given any indication my payment was declined.   However when I check my bank and call back the previous day they informed me my card was declined yet I have no notification from  Montery  or any pending charge or notification from my bank.  <P/> During the second month using the same card they accepted earlier they refuse to charge the account for the amount due. This makes the accout become delinquent. Then they proceed to charge an amount of {$10.00} per day for a late fee plus another {$10.00} per fee for declining my previously approved payment method. I have contacted them attempting to pay yet they still do n't process my payment and claim it is late. Can you help me?
So I got a student loan to attend XXXX XXXX in XXXX Ca. From XXXX XXXX ( XXXX XXXX XXXX ) Also known as XXXX XXXX out of XXXX XXXX Ca. As I was paying my loans and I started to notice my loans are going up. I called them to find out why my loans were going up. I was told that they fluctuate with the market. It went up like a Dollar or two. 

I told them I didnt think it was legal since I believed that the loan was supposed to be a fixed rate. So I requested a copy of my contract and was told they would send it to me. Well know contract was sent and I forgot about it. 

Then one other time I went to pay my payment and noticed this happened again so I called again and was told the same thing that it fluctuates in the market. So again I requested a copy of my contract and they said they would send it still got nothing. 

So last month ( XX/XX/XXXX ) I went to pay my loan and there it was again my loan went up. So I checked my bank account and searched it and found that 1 off my loans went up XXXX in 18 months. I have a 2nd loan with them that also went up XXXX in 18 months. 

I need some advice or to find out if this is legal. If this keeps happening I dont see know way to pay this off because it keeps growing. 

I will call them and they will probably tell me the same thing they told me last time and I will request a copy of my contract and will never get it so maybe I will have to go see a Lawyer about this. 

This is the money and dates the loan went up, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX XX/XX/XXXX went up XXXX I just think they are ripping people off. If not why wouldn't they send a signed copy of my contract stating this.
On my   XXXX   2016 credit card statement ( TD Ameritrade Client Rewards ), I noticed   XXXX   charges of {$150.00} each made out of state at a time when I had n't left my hometown.
I called the card issuer and reported it as a fraudulent/unauthorized charge. I submitted all my evidence in writing and was informed it was likely a counterfeit card since there was no signature obtained. They promised they would investigate it and would not bill me for the  XXXX  charges. It was forwarded to the Fraud Investigation unit.
Since then, it has been 18 months and there has been no action taken. I have called every 2-3 months to TD and they keep saying that the last action was  XXXX  2016 and they apologize for the delay.
Yet the charges keep showing on my statement and have not been resolved.
I I received a letter from the court house that the judgement has been removed, and i would like experian to remove the judgement from my credit report.
During XX/XX/XXXX, XXXX XXXX negotiated with Citibank - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, Citibank is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with Citibank that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
I am a XXXX resident in the XXXX since 2007. I currently have student loans in repayment with XXXX different providers, XXXX of which is AES. AES, unlike my other loan providers, refuses to take a card payment over the phone from the visa debit card linked to my XXXX bank account. Instead, they are insisting that I pay via money order or wire transfer on a monthly basis, resulting in a punitive surcharge on top of my monthly payment ( XXXX, or {$43.00} according to today 's exchange rate ). I have just spent 40 minutes querying this policy with XXXX supervisors at AES, citing the example of my other providers, XXXX and XXXX. I have been advised that the only way to use my card to pay would be to allow my loans to go into default, at which point I would be contacted by a collections agency, which would be willing to take a card payment over the phone. I have placed my loans in temporary deferment, while I seek resolution to this matter, either by intervention from CFPB or through refinancing my loans.
In 2008, Wells Fargo forced us to foreclose on our home located in XXXX, CA. We did everything we could at that time to get them to help us but we were not offered any assistance at all. At one point, a representative told us that since we were behind a payment the best thing to do would be just to move out of the house and not risk the police kicking us out! We begged them to work with us to allow us some sort of modification but they told us there was no alternative to paying the full balance of past due and currently due amounts owed. I called Wells Fargo every day for a period of 2 weeks to try to get someone that may handle things differently but each representative said the same thing to us. There is no option other than short sale or foreclosure. We ended up moving out and the house was auctioned in a foreclosure sale.
On XX/XX/XXXX, I received an alert on my credit report of a collection from Midwest Recovery Systems and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be XXXX XXXX XXXX with the amount owed being {$610.00}. I immediately called Midwest Recovery Systems and in speaking with an associate, I was told that the account with XXXX XXXX XXXX was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, Midwest reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX  by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX  ) so that they could investigate.
Reference ID : XXXX A check was issued in the amount of {$390.00}. I have not received the check.
I paid my XXXXXXXX XXXX XXXX credit card with XXXX XXXX balance in full and on the due date. I never looked at my account since I owed nothing. Apparently this company went ahead and charged me a late fee anyway. When I realized that they had done this I immediately contacted them and disputed the late fee. They gave me credit for the late fee but continued to charge me late fees for not paying the disputed late fee. I contacted them and told them that the balance was paid in full on the due date and I was not paying the false late fees. I also asked that my account be closed. They have continued to harass me via email, mail and phone and I have repeatedly asked that they stop all communication. I try to block the number but they just call from another number or occasionally call from a number that is identified only as unknown. Just yesterday ( XX/XX/18 ) a Mr. XXXX or Mr. XXXX left me a very threatening voicemail at my home. I want this company to stop harassing me over money that I do not owe them.
On XX/XX/2018 when i pulled my credit reports, i noticed a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. reporting an amount : { {$750.00} } owed. I do not recall this company. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. Security Credit Services never sent a letter to me allowing me to dispute the debt in  question. In addition, this account was placed on my credit reports past the statue of limitations, per information on my credit reports. I have disputed this account with the collections bureau only to have it on my credit report as verified.On XX/XX/2018, I sent a debt validation request to security credit services. I requested security credit services to provide me with information regarding how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc. I did not receive any response. The account was then marked as verified with all three credit bureaus. I then sent a second debt validation request on XX/XX/2018 to security credit services, and have yet to receive any information regarding this account While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Again, I have not receive a clarification on this debt. I have recently pulled my credit report to only see this same account listed, and updated. I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. I am requesting the creditor to remove this account from my credit reports ASAP
My account was closed without any notice, I went to use my card with a XXXX   balance and was informed it was closed. I called customer service to find out why and was told a letter is on the way to me and the account was closed based off of the information provided by XXXX. I looked at my XXXX   report and my score has increased over 70 points in the last 2 months - no collections as of XX/XX/18 and not negative marks. How is that good information reason to close my account? I am trying to purchase a house and was told not to close any accounts as that will impact my credit. Closing my XXXX XXXX account is in retaliation from Synchrony from my filling a complaint in XXXX asking for my lowered credit limits to be increased. How is it that my credit improves and then my account is closed. I paid all but 1 Synchrony account down to a XXXX balance and then they close the account based off of bad credit details provided by XXXX. My score is higher with XXXX now that it has been in the last year or so - so I do not understand. Why was my account closed and was the information valid from XXXX?
Ameritech Financial helped me enroll in a loan forgiveness program for being in public service ( I am a XXXX ). They did not disclose to me that there would be a monthly payment to them for their services. I am currently paying them {$100.00} a month through XXXX XXXX XXXX ( XXXX ). 

I received a letter from the Federal Trade Commission stating that they are currently suing Ameritech Financial for deceptive practices. I am acting on the steps included on the letter I received. 

I have contacted Ameritech Financial with the intention of cancelling my account, but they have not called back due to unusually high call volume. It is my intention to seek a refund of the money I have given to them.
In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with Veripro and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted Veripro to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.
I ended up in a financial bind as a single mom with no help or support and no government assistance and ( should have known better ) got a payday loan then title loan through Advance America. I had a XXXX in the family and suffer an illness that has caused me to miss work. I 've asked for leaniency with this company and they call me XXXX times daily while at work, show up at my boyfriends home and leave notes on his door, call my daughters phone XXXX times daily and they have been asked to stop doing all of this. I would gladly work with them and pay my debt if they were n't so intrusive, rude, showing up at my door as I am literally too sick to move and throwing their business card at my child, snapping at her and demanding that she tell me to " call her TODAY ''. My daughter is at school and feels harassed. I feel both humiliated and harassed. My physical illness is worsened with the stress these bills have caused me. I had to do what I had to do to support myself and my child. They were n't the smartest choices but I made them. I 've tried to scramble to come up with solutions but them harassing me is slowing down that process. If they show back up at anyone 's home ( because they are not professional nor do they follow privacy laws ) again I will remove them from my property myself.