WillisBack/dataset-financial-user-claim huggingface dataset:
After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.
About once a year since XXXX, my account at USAA gets connected with my ex wife 's account. I separated the accounts in XXXX and when these problems started I ceased all financial accounts with USAA. In XXXX, I stopped doing car insurance through them as well. At least twice I have been able to log into USAA.com and was able to see her account balances. Each time I called and was assured that the accounts were separated. Going online seemed to confirm this until the next time it occurred when the linked accounts returned. On Monday XXXX XXXX, XXXX. I received my ex wife 's debit card mailed to my current address which had changed since our final divorce decree in XXXX. Either USAA is letting my wife into my accounts or they are not safeguarding both accounts. I have no desire to receive her debit card which I 'm pretty sure is a complaint and illegal from her point of view. 

I view USAA 's inability to secure both my ex-wife 's and my accounts as a potential credit / identity theft as reasonable grounds to permanently remove my membership in order to prevent this from reoccurring annually for the rest of my life.
Loan was originally taken out in XX/XX/XXXX through XXXX XXXX for {$8000.00}. XXXX was taken over by Greentree. They hold title to XX/XX/XXXX XXXX XXXX. I have been making payments on this loan for 11 years & the balance is still {$7100.00}. I have missed payments along the way due to unemployment & health issues. 
I believe they are charging me interest on interest, have tried several times to come to an agreement with them & they refuse. Have told them they can come get the car, they say they do n't want it. I feel this loan has been more than paid for. My only recourse at this point is to file bankruptcy as I ca n't continue to make payments on this loan. I 've also considered seeking an attorney to see if there is any legal recourse I can take against the company. I feel Greentree has unscrupulous loan practices. They have made XXXX of dollars off this loan.
The borrower is an XXXX with XXXX. He had arranged a modification of a mortgage which was excessive in valuation, and the prior bank, XXXX XXXX XXXX, refused to honor the modification agreement. Then, the current servicer, XXXX XXXX XXXX XXXX XXXX, as trustee, foreclosed on the premises and sold it to itself. On XXXX XXXX, 2016, the mortgage servicing agent Northstar ( I recall ), sent a letter that the balance of the mortgage including legal fees that was due and owing was around {$180000.00} ( it might have been $ XXXX ) as of XXXX XXXX, 2016. The Bank foreclosed on the property around XXXX in 2016 and the referee 's report relied on XXXX XXXX XXXX XXXX. 's representation that the indebtedness was around {$420000.00}. The referee reports selling it to XXXX XXXX XXXX XXXX. 
for around {$380000.00} for XXXX dollars and other consideration. After researching the land records in XXXX County, New York, I can come to no other conclusion than fraud in regard to this discrepancy. I sent a notice letter to the Bank 's current attorneys and received no response thereto. My client remains in the premises with his wife ; the Bank has filed an L & T petition to evict him in the XXXX Justice Court ( with there being improper service of the notice of petition and petition ), which date is XXXX XXXX. It 's likely that I will need to file a chapter XXXX bankruptcy with an automatic stay to preserve my client 's rights in his equity and possession of his and his wife 's residential premises. I am not certain the extent and nature of the probable fraud and of its civil nor criminal implications in its entirety, but it appears to me to be sufficient for a criminal RICO indictment. The borrower now has a social security card and green card ( although he was eligible for TARP modification without it ).
In XXXX XXXX my sister and I purchased our family home from our parents for {$310000.00}. We share a XXXX ownership and are both on the title and original loan. We used XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Phone # XXXX. At time of closing the Lender was XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

In XXXX XXXX we decided to refinance and used the same Title company and Lender as stated above. Once again my sister and I provided proof of our incomes and all other requested documents. We were given a closing date of XXXX/XXXX/XXXX. We arrived at closing and signed all Documents for the 1st Mortgage {$330000.00}. For some reason the 2nd Mortgage for {$51000.00} documents were n't ready and we were told to come back on XXXX/XXXX/XXXX for the 2nd closing. We did so and both signed all documents. We received all Payoff and Excess cash to close checks during this second closing. 

Our first mortgage was sold tXXXX XXXX XXXX XXXX. Our 2nd mortgage was sold to Citimortgage. Somehow during this change of Lenders my sisters name was left off of both  Loans. When I inquired about it to both Lenders they new nothing of the shared ownership or of my sister being on the Loan. I contacted the Title Company and the Original Lender. Wanted to know why I was the only one on the Loan when both incomes were supposed to be used. Never got a satisfactory answer or explanation. 

At this point I felt stuck in the situation. During each Closing we were never told or given a fully understandable explanation about the ARM and Fixed interest rates on these 2 mortgages. The first mortgage was refinanced to {$330000.00} and was an ARM@6.250 % for 360 months. This Loan was held by XXXX XXXX XXXX for 7 years then sold to XXXX. Neither lender would refinance after we tried multiple times. Finally in XXXX XXXX after 10 years we were able to refinance the 1st mortgage with XXXX Loans whom we are extremely happy with. They attempted to consolidate both 1st and 2nd Mortgages into 1 Mortgage Loan but Citimortgage refused. The 2nd Mortgage with Citimortgage was for $ XXXXXXXX7.995 % fixed higher than the first for 180 months ( 15 years ). In 10 years only {$6800.00} has gone to the principal. Leaving a balance of {$44000.00}. How is this balance supposed to be paid off in 5 years with {$370.00} monthly payments? 

My main complaint would be with 3 entities ; 1. XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Phone # XXXX. This office is now closed and all records are in storage. I requested copies of my closing files while trying to refinance. Received my records from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. 2.  Lender was XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 3. Current Lender of 2nd Mortgage, CitiMortgage, Inc. XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX.
Friendly Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IQ DATA INT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me IQ DATA INT XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.
Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop.
Leasing Desk is incorrectly report data provided by XXXX that is incorrect. It has that I have rental debt from Oregon in which I haven't lived. I have resided at XXXX XXXX XXXX, XXXX Texas XXXX for 3 1/2 years. Yet they are reporting rental debt for 8 months ago. In which I was living in texas. My husband is XXXX at XXXX XXXX, Texas and has been there for 3 years. I also have proof
Discover Bank closed XXXX my oldest credit line due to inactivity ( 24 months ) without providing any notice or warning! I received online their " decision '' on XX/XX/2015, but the card was closed XX/XX/2015. I was planning to make large purchase on it and now I am left with nothing. I have XXXX and I was not able to call them ; so instead I contacted their customer service online and asked them to reinstall the card, but they refused. I was told to reapply for credit again??
I have been harassed for the last 6 months by  XXXX   XXXX   XXXX   ,   XXXX . Unfortunately, I needed to have   XXXX    XXXX   XXXX  last  XXXX . When I got the initial bill, prior to my insurance making their payment, I knew that they would not cover everything, so I started paying {$10.00} each month. Once the bill was finally settled with my insurance, I upped that amount to {$20.00} monthly as that is all I can afford, especially with all the other medical payments I 'm making around this issue, hospital,  XXXX , etc. I was surprised and infuriated when I was put into COLLECTION despite making regular payments ( I have documentation from my bank, which I shared with them ). I told them I would continue making those payments, and that was at least for the moment fine with them. Subsequent to that, I 've been contacted b y a Bay Area colle ction agency and  XXXX  other collection agencies. Each time I tell them I know my rights and as long a s I con tinue to make regular payments, I 'm neither in default or delinquent. Today, I called them to advise them that I was going to file a complaint with you and one person told me that my account had been pulled and would n't be in collection and that it showed a  XXXX  balance. I asked for documentation to be submitted to me in writing, was put on hold and disconnected. I waited as I had given her my contact information in case of such an event, yet no call came. I called back, and the next person I spoke to told me an entirely different story. That my payments were not sufficient, and that I was in collection and they had tried to contact m e ( I had also told them earlier that the best way to reach me was through email, and they did once, but never again ).    I am now turning to you for help.
An account for {$2000.00} was open with TJMaxx Master Card and {$1800.00} with Walmart fraudulently and never opened by me there after the accounts were used and paid and used and had returned payments and used paid again and payments return I have reached out to providers several times
To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.
This account got sent to collection in XXXX of XXXX. Since then it has been moved to different debt XXXX. This last time it was moved to Kings Credit Services the amount has seemed to keep raising slowly. The debt collector says I know owe them {$520.00}. When I called them they told me this debt will continue to increase until the debt was paid indefinitely. I wanted to take care of the original amount that I owed, but i feel that this is not legal that they charge me interest on a medical bill. I told them that I am filing a complaint and they said its fine.
On XX/XX/18 I received a consumer report from XXXX ( XXXX XXXX XXXX ) after funds being placed on hold being denied the ability to open a checking and savings account at a financial institution. On the report, Wells Fargo erroneously reported 9 different accounts. Some accounts were opened and closed within less than a week to 30 days while others were open for at least a year. In addition to that, Wells Fargo left a notation stating that the accounts, as they seen it, were deemed as fraud due to fraudulent actions in my behalf. I immediately contacted Wells Fargo by calling the customer service number to get n explanation and gain clarity at to how theses accounts were open that I did not authorize. After being on the phone for over 3 hours and going thru the verification process Wells Fargo Executive and Claim team  advised me that the accounts were in fact not mine and they would contact XXXX to have any and all accounts and comments removed from XXXX. In addition to that I have several case numbers and claim numbers to prove what I am saying as factual. Unfortunately, I don't have 3 to 5 business days as my funds are being held. So this is why I am filing a complaint in addition to having this on file and record of all actions I have taken to resolve this matter. 
ID THEFT Case # XXXX ( Fraud Claim in Executive Fraud Dept ) and Case # XXXX ( Claim Mgmt )
i had disputed some personal information a few weeks later they granted and reassured me that the information would be deleted week after that the information was still on my report and they told me that when they do an investigation on fraudulent accounts they do not inquire or request additional documentation or information so there for i believe that to be hearsay information received from other people that one can not adequately substantiate other words a rumor discrediting degrading defamation of my character
Bank of the West,  Co-Trustee of a family Trust for 7+ years, is currently refusing to provide a complete d  XXXX  for the partial year (  XXXX  ) of   XXXX  . They continued as  XXXX  during this period, administering the investments of the  Trust,  and taking their fees, as usual. T he Trust Officer 's ( or former Trust Officer 's )   answer to the Co-Trustee 's inquiry regarding this essential tax document (  XXXX  ) was : " You are no longer our customer. We do n't have to provide the  XXXX  for you. '' If this is not outright illegal, then at the very least, I would think it is unethical. Although they have sent a huge report listing all transactions in and out  of the Trust  from   XXXX   XXXX     through   XXXX   XXXX   XXXX    , expecting the beneficiaries to condense this information into a  XXXX  seems a bit like a vindictive act. The Bank 's ability to render this information into a proper  XXXX  would likely be done via computer, and might take all of  XXXX  minutes.   The former  XXXX   XXXX ,  XXXX   XXXX , has made multiple statements to beneficiaries in the past which are either untrue, or are outright hostile.  One specific one which stands out in my mind is an assertion that the money in the Trust is " our money ( meaning the bank 's ), so we will do as we please. '' T his is not only patently false, it is offensive. This particular statement is what led to the family suing to take sole control of the  Tr  ust from  this Bank. This request was granted via an   XXXX   XXXX   in   XXXX  , which is why Bank of the West is no longer  Co-Trustee.
I filed a complaint some time back when my loan was sold back to Movement Mortgage. When it was transferred back I never received a payment book or a monthly statement. After contacting them they sent me an email with only my payment amount and due date. They also stated that my loan was in the process of being sold and they needed a month or so to get it transferred. At this time I closed the complaint thinking it would be transferred. 5 months went by and still my loan was not transferred. I contacted them once again and again they said it was in the process. Finally, We just refinanced to get out from under them. This company has cost us a lot of money. Now here we are at tax time and I have not received my XXXX. I am not surprised. Still to this day I have never received anything with any details.
XXXX is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from Access Group, which worked fine for me through XXXX school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone overseas ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on XXXX and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at XXXX are legal.
On  XXXX / XXXX /  XXXX  , I contacted Great lake s Borrowing Service to discuss concerns regarding  how interest is being applied to my student loans. I have  XXXX  loans serviced by Great Lakes s Borrowing Service.    XXXX  balance is at {$20000.00} and the other is a balance of {$9300.00}. My total payment is {$270.00}. I had recently started making a small increase in my payment to {$300.00}. Over the course of  8  payments at {$300.00}, I noticed that my interest was not decreasing, but increasing. When I called to discuss my concern, it was n't until the operator looked further into the matter, when he discovered that my loan was an Adjustable Rate loan. This news was concerning to hear, because I looked on their website for information regarding my interest rate, and there is no information regarding my rate was adjustable. I requested to speak with a supervisor, and the supervisor told me that I should look to my master promissory note for full disclosure. The supervisor said he would make note of my request because he too thought that this information should be listed on the site. My issue is that I had no idea that my loan was an adjustable rate, and I was hardly getting no where with the balance. Please help, I believe that Great Lakes withheld important information regarding my loan being an adjustable rate on their website. Nothing on their website shows when and how the rate adjusts.