WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : Fay Servicing LLC : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.

Account number XXXX.

Due to a family hardship, in XX/XX/XXXX, we applied for a loan modification with Fay Servicing LLC. We were approved for a loan modification with trial period of three months and with the new monthly payment of {$3200.00} Fixed interest of 3.78 %. The modification took a long time to be written up and in the mean time we kept paying the {$3200.00} every month until finally in XX/XX/XXXX all parties signed the required paperwork for the Mod. Few days after signing the paperwork, the account manager XXXX XXXX XXXX of Fay Servicing, called and told us that we had over two thousand dollars in the suspense account and that we could use that money for the XX/XX/XXXX payment, so we only had to pay the difference which was {$1000.00}. Unfortunately, the payment for XX/XX/XXXXwas already processing and could not be stopped. So I called XXXX XXXX XXXX  and asked if I could use the money in the suspense for the next paymentXX/XX/XXXX. She replied yes certainly and so we agreed on that transaction. Unfortunately, when I received the XX/XX/XXXX statement I noticed that no payment was received for XX/XX/XXXX. I called XXXX XXXX XXXX and she could not explain what happened to the XXXX XXXX XXXX  and that she thought the suspense money had been applied to the principal. We were very angry as we do not have any more money and we were never advised or asked if it was OK and the Modification paperwork did not state anything like that. We tried to get Fay servicing to fix this but they want us to agree to a repayment plan or stay behind a month on our mortgage which show us delinquent of 30 day. So after all this work to be honest and pay our mortgage Fay Servicing put us right back in the same hardship pre-modification. As an unemployed XXXX Veteran I am on a tight budget and a I can not afford. It is ashamed that Fay Servicing LLC develops these plots to force people out of their homes and make money for their clients such as XXXX who actually owns the note. Please help!
I signed a six-month contract at XXXX in XXXX, Massachusetts, and kept my copy of the contract, on which the manager had hand-written and initialed " 6-month contract ''. After six months, I attempted to cancel the account, and found out that the gym manager had later checked off " 12 months '' on the contract. The gym continues to send bills for increasing late fees, and debt collection notices. When I contact the gym, they say " I only work here - you have to contact our billing agency, ABC Financial. '' When I contact ABC Financial, they say " Our documents indicate that you have a 12-month contract. IF you have a dispute, you should take that up with the gym. '' At the gym, I was told that the manager who falsified my contract no longer works there, and that they ca n't do anything.
None of above " Best describes ''! 
Re VEXATIOUS LITIGATION by XXXX! 
From a recent message sent to the Georgia Dept of Law ( of which can NOT handle such cases ), re XXXX County Magistrate Court enabling such behavior of XXXX XXXX : " This is in re to a large number of XXXX XXXX cases handled here, by a law firm in XXXX GA! 
Is there a payoff? Payola? 
My situation : I have a XXXX handled debt that I have actually PAID off, and even an OVERPAYMENT!!! 
I am XXXX years old, on SSA XXXX, the past 3+ years I have over paid the {$1500.00} as agreed upon in the 2013 Consent Judgment - however there were 4 months in which my monthly recurring payments ( checks automatically withdrawn ) did not clear the bank ( this cost me {$35.00} @ time )! 
Hand written on this consent judgment by the XXXX attorney is : " ... $ XXXX/month, beginning XXXX/XXXX/13 and continuing by the XXXX of each month thereafter until the {$1500.00} '' then the printed " is paid in full. '' Morally and should be legally I have honored this! Yet, I filed a 'Relief from Judgment ' of which was denied by the XXXX Magistrate Court !!!??? Since my case was in dispute my hearing was delayed until after the XXXX+ non-contested XXXX XXXX cases, handled by law firm of XXXX XXXX XXXX XXXX GA! 
Online you can see very much anguish by people because of XXXX XXXX ... 
They prey on people of modest income that can not afford an attorney!!! 
This is BULLYING - is it not!? 
This is Vexation Litigation - is it not!? 
I had good credit - then while self-employed my health got bad, and i was no longer able to gainfully work! 
As a result my credit suffered when I was unable to pay some debt - of which I have worked hard to repay all that I could! ... 
The XXXX Co Magistrate Court certainly seems to be enabling the XXXX XXXX law firm and XXXX take advantage of people of modest means - in effect BULLYING them legally! Oppressing these folks that have perhaps suffered injury or health concerns and become unable to pay off their debt! Ca n't some means of humanely methods be used for debt collection, without BULLYING folks!? " From a recent letter to the Chief Magistrate ( newly elected ) : " Notice : they NEVER INTENDED to honor the Consent Judgment, it seems clear!!! 
I have already sent to you copies that should prove this claim! 
Mockery of justice!? Mockery of XXXX Judicial system!? 
Vexatious litigation!? 
Bullying of XXXX County citizens, and allowed and supported by this court!? " That is : their statements NEVER reflected the agreed amount in the Consent Judgment!!! 

Prior to XXXX XXXX I had been voluntarily paying this debt to another agency, with no problems! Then XXXX XXXX got involved ...
American Express has a promotion ads on their website as " Refer-a-friend to the XXXX XXXX business card and get a bonus XXXX XXXX points ''. On XX/XX/XXXX I used their link to send out an invitation to one of my friend. And he used the link in the invitation email to apply the card and got approved the same day. 

So far I have not received any bonus points. I did multiple times of online chat with American Express. So far I have not results yet. 
On XX/XX/XXXX, the first agent collected all required information and opened an inquiry case for me and said " The standard time frame is 6-8 weeks, however it may be resolved sooner than that. '' On XX/XX/XXXX, the second agent said it is not 8 weeks yet, please wait. 
On XX/XX/XXXX, the third agent told me the max time is 8-12 weeks and please contact us after XX/XX/XXXX and we will let you know the status. 
On XX/XX/XXXX, the fourth agent told me the investigating is still on, please keep waiting. 
On XX/XX/XXXX, the fifth agent told me " I see the case is open, I am forwarding the case to be resolved and you will see the outcome in next 7 business days. '' On XX/XX/XXXX, the sixth agent told me " I can ask the supervisor to send an email again to the team to have the status checked an notified through a call however we are already working with the team to have the status shared with you '' After many months waiting and chatting with 6 agents, I still have no idea what is happening. All I got from American Express is " Please wait '', and it is way over their " Max time frame ''.
Have a lot of Hard Inquires on my credit report. which I don't know about. 
XXXX 5 times on report, XXXX 2 times, XXXX 2times, I don't know if someone is try to get credit on my name.
This loan is with Security Fin I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called Security fin twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from Security fin they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.
I informed this collection agency that I have been paying the original creditor and find it unnecessary that this account went to them. I also informed them that I will continue to pay the original creditor until the account is paid in full. They said they would continue to call and they have. I find this as a former of harassment since I informed them if my situation.
On XXXX XXXX, at approximately XXXX hours, I was at my local XXXX attempting to buy cleaning supplies. Unfortunately, I learned at that time that my card was declined. I had just been paid XXXX days earlier, so I knew there was some mistake. I 'd been sick and my charges were very localized to XXXX XXXX, XXXX XXXX Now, my son 's lunch money account, and that pretty much covers the charges in these last few days. When I called NetSpend using the number on the back of my card, and was not given any reason why approximately XXXX had been removed from my card, unaccounted for, and why my account -- which was XXXX years old -- was shut down. 
Several Netspend customer service reps said that Netspend was not responsible and XXXX -- their cards ' issuing bank -- was responsible. For XXXX to XXXX hours on the phone, we were transferred to customer service reps who lied outright or prevaricated. At XXXX point, XXXX customer service rep purposefully forwarded us to XXXX XXXX which requires a card number to even proceed. Ultimately, the system hung up on us as we were on the line with a XXXX rep who was listening. We also had both reps on the phone and they were caught in various deceptions. 
We were told that a check with my money -- they talked to both me and my wife -- would be sent in XXXX business days, but according to other consumers, this may be a lie : XXXX XXXX XXXX When we finally received some sort of answer, we were told that his account was locked for fraudulent activity, which is a lie. We spoke to supervisor XXXX, employeed ID # XXXX, and she indicated that XXXX is not responsible but Netspend is. Netspend said the reverse was accurate.
Ad Astra Recovery Services Inc. is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Ad Astra bearing my original signature. Ad Astra has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that Ad Astra has been unable to provide this information and the debt still remains on my credit. Ad Astra is also  reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and Ad Astra states it was opened XX/XX/XXXX. Per the Fair Credit Reporting Act, changing the date the account is opened/closed is against Federal Regulations.
This letter is a formal complaint that Collection Bureau Hudson Valley is reporting inaccurate and incomplete credit information.. Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised me that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of Collection Bureau Hudson Valley , Inc, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/XXXX which, it was incorrect, the correct month was in XX/XX/XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX   balance. After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX ordered and the transactions do not have any descriptions. I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency. XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who XXXX spoke with to verify this account because neither XXXX nor Collection Bureau Hudson Valley , Inc knows anything about this account, but I keep getting notices from the Credit Bureau that the creditor advised that the account is accurate and the account is still showing a charge off and I don't even have the merchandise.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX GA XXXX  RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Accounts # XXXX  # XXXX # XXXX  # XXXX and other accounts from the same company of XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ XXXX XXXX XXXX   } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, MN XXXX
XXXX XX/XX/2015XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX Hello, I applied for a car loan with XXXX, @ XXXX in XXXX, Ohio @ XXXX. I am trying to rebuild my credit, I was turned down. The XXXX places that he tried to get me a loan sent letters to my house. XXXX was from XXXX XXXX the other from XXXX XXXX XXXX XXXX. XXXX XXXX was Insufficient Credit because I do n't have any credit cards or not made any large purchases. Experian reported to XXXX XXXX that I had XXXX Garnishments, Foreclosure, repossessions, collections or judgments. Also XXXX insufficient credit experience. If I do n't have credit experience how do I get garnishments, foreclosures and repossessions??? 
I purchase and paid for XXXX home and car over XXXX years ago, XXXX XXXX XXXX ( XXXX ) last name was mispelled. I purchase and paid for XXXX Nissan Sentra through XXXX XXXX. I have never had a Forclosure or repossesion. I had XXXX garnishments XXXX medical bill and my student loan. If I had seen that report I would not give me a loan either. 
If I stand accused I want Experian to send me my XXXX garnishments, foreclosures and repossessions. 

Sincerely, XXXX XXXX
I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Experia failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. 
XXXX XXXX/XXXX
The Doctor 's office charged me for a broken appointment last XXXX. I had called and personally spoken to the receptionist and cancelled the appointment. She asked me why and I told her.

I have received bills from the Dr. 's office, the bill collection agency, and repeated phone calls about this bill.

I have written letters to the Dr.s office and the bill collection agency explaining what happened. I have made repeated phone calls to the Dr.s staff and the bill collection agency explaining that the appointment was cancelled and I should not be charged. Nothing has worked.
To whom  it may conc ern, My name is  XXXX   XXXX , I am currently having an account with  FCO, Fair Collections & Outsourcing Inc. T he amount that was delinquent was  XXXX , originated on  XXXX / XXXX / XXXX . However, the collector attempted to reage the debt to  XXXX / XXXX / XXXX , which in my understanding is at once unethical and illegal.     Please help,  XXXX   XXXX
My account was incorrectly reported 90 days past due on   XX/XX/XXXX . I filed a fraud package in  XX/XX/XXXX . After which, I called several times to check o n the status of the account, and I was told that servicing had been suspended and a credit bypass had been placed on the account until the dispute was resolved. I was told that I would be notified when the dispute was resolved and the next payment date, if applicable. I was never informed of the resolution of the matter and that servicing had been resumed until I called on   XX/XX/XXXX   at which time I was never informed about when the payment was due or that it had to be paid before    XX/XX/XXXX    to avoid negative reporting prior. Despite numerous requests o n  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  to obtain this information in writing via mail, I still havent rec eive anything. On     XX/XX/XXXX  when I called AES the last time, I was told that this information was sent to the borrower on  XX/XX/XXXX , but not the person that actually filed a fraud allegation against the borrower, which was me. Despite me opting not to receive electronic correspondence, on  XX/XX/XXXX  a  letter attached hereto as Exhibit A was sent to the paperless inbox entitled Loan Information for :  XXXX   XXXX  with a very cryptic message stating : This letter is in response to the to the Identity Theft/Fraud allegation.  The Guarantor of t he above-referenced loans disapproved the allegation based upon review of documentation. I was not aware of this letter until I spoke to the representative on     XX/XX/XXXX .  Accordingly, I was never given an opportunity to pay the past due balance ( which I should have been notified of since Im the listed as the co-signer ), which dated back to the time I filed the fraud allegation and was only due to servicing being suspended during the investigation. In essence, I was penalized for filing a fraud allegation due  to AES and the Lender failing to communicate the resolution of the case and when the payment was due. I also filed a credit dispute for AES erroneously reporting the  loans 90 days past due without notifying me the loan had even gone into repayment. I was informed today,   XX/XX/XXXX , tha t the information reported to the credit bureaus was determined to be valid, but I was not informed of a way to dispute the decision. In addition, I have still not been informed of the reason for the denial of the fraud allegation or the process for appealing, and AES will not send me another fraud package so I can resubmit the claim.
I received my annual credit reports from the XXXX reporting agencies, XXXX, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is Capital One. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to Capital One as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against Capital One, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.