WillisBack/dataset-financial-user-claim huggingface dataset:
My primary residence was going through possible repossession, then short sale with   XXXX   (   XXXX   XXXX   XXXX   XXXX   ) fr om  XX/XX/XXXX - XX/XX/XXXX . Was able to do modification later on. However, the new mortgage is for 40 years.  Suntrust Bank h ad a second mortgage and   XXXX  me stating Debt Forgiven.  Date of identifiable event by  Suntrust  is   XX/XX/XXXX    . This was a taxable event and had to be filed with the IRS.     A recent title search revea led Suntrust is still showing as a lienholder on the property and title. I am looking for Suntrust to remov e themselves as lienholder on the property.
Made purchase at XXXX 
Parts never arrived, XXXX claims parts left on doorstep around middle XX/XX/XXXX. 
XXXX has horrible customer service, problem resolution ... So I filed fraud claim with bank.. Bank cancelled my card and gave me another card to follow the fraud procedure. 

However, my bank has sided with XXXX and I still have not recieved the merchandise. This claim is against my bank for failing to support me in a bad fraudulent deceptive practices with XXXX..
Honor Finance has been calling repeatedly ... several times a day for several weeks now. I have asked them over and over to stop calling. 

I do not owe them money. I do not have debt with them. I have never carried debt with them. I have no relationship with this company. They have absolutely no reason to be calling me. Honor Finance is harassing me because a friend listed me as a reference at some point ( without my knowledge ) and she owes them money. They know where my friend is. They know her phone number and her address. It is not my responsibility to collect a debt for them. 

I want these calls to stop. This is not okay. They have called from several phone numbers on multiple occasions, and I will continue to delete their threatening messages and block every single number they call me from. The most recent contact ( after multiple requests for them to stop calling ) was XXXX XXXX, XXXX, at XXXX a.m. (!!!!!! ) from XXXX.
Equifax stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list  that clearly indicate that am not on the list and is an error.
XXXX stated on my credit report that I have an individual tax lien which was reported filedXX/XX/XXXXan amount of {$1000.00} and another one onXX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.
Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. 
With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.
Back in XX/XX/2017 i opened a bank account online with TD bank. On XX/XX/2017 i went into the XXXX XXXX branch to deposit XXXX. The clerk at the bank advised me to sit and speak to another bank associate so that i could get an ATM card given to me. The bank associate asked me to write down my date of birth and social and to give her my id so i did. She then went to the back to make copies and came back a short time later. She went back a second time and then returned with my ATM card. 
On XX/XX/17 i deposited another XXXX into the account. 
on XX/XX/17 two person 2 person fraudulent transactions were made from my account. on XX/XX/17 two additional fraudulent transaction were made again and on XX/XX/17 an additional 2 fraudulent transactions were made. in 3 days a total of {$9300.00} were stolen from my account. i filed a claim and it was denied i was advised to resubmit a claim with a police report and i did. i was contacted by a detective from TD bank ( i have the voice message he left ) statin that the claim was denied because " he thinks '' the transactions were made from my IP address but that he's no sure exactly while it was denied. i have tried getting in touch with him with no success. i have left countless messages for him, have gone into the branch and have just been told that there is nothing i can do. i have never been given any proof or official reasoning as to why my claims were denied. i have called to speak to his supervisor and was told his supervisor was unavailable but will be notified via email as to what was going on. i still have not heard from anyone at TD and have been left without anyway to get my money back. TD has been so irresponsible in not tending to this issue and contacting me or reaching out to me. i have that one message from XXXX and have never heard from anyone else or received any papers or notices regarding this issue.
My mortgage is currently serviced by Selene Finance. From XX/XX/XXXX to XX/XX/XXXX, Selene collected over {$30000.00} from the Indianas Hardest Hit Fund. This program is governed by the Indiana Housing and Community Development Authority, with original funding coming from US Department of Housing and Urban Development ( HUD ). HUD established these programs to offer mortgage assistance to unemployed workers, so they could avoid foreclosure. All funds distributed through this program are the product of US Treasury Funds, essentially taxpayer contribution. 
The accounting records that have been provided by Selene are incomplete, since the entire payment history is missing to show application of the {$30000.00} Hardest Hit Funds distributed to them. Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since  they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). 

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. 

Selene is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. Selene has imposed a foreclosure sale date on XX/XX/XXXX.  Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter. You can reach me via email at XXXX.
I have disputed a XXXX account Equifax is reporting on my credit report. I have requested debt verification by mail from the address Equifax has listed and with no response. I also filed a complaint with the Consumer Protection Finance Bureau. Verizion also has not responded to them with any documents and its also been beyond 30 days. 

I would like details on the date and the person or department that has verified this account with Equifax. Also there is no phone number to contact this creditor listed. The only one who can verify this account exist is Equifax.
Called my sister twice after speaking with me. Called my brother as well after speaking with me. Even contacted my ex husband. Asked for my information without telling me why they wanted it. 
XX/XX/18 was the most recent I spoke with them and the most recent they called my sister. Was told 3 different amounts of a debt and encouraged to give my account information immediately to settle a credit card, when I said I couldn't do that they continued to harass my family who I don't speak to. 
I have received nothing via mail only by phone recently.
I am buying a house so I 'm applying for a housing loan. On  XX/XX/XXXX , the financial institution 's representative processing my housing loan, run and printed my credit report from TransUnion. On that credit report, the credit card account with   XXXX   XXXX    Card  ending   XXXX    has a statement/comment that says : INCLUDED IN CH   XXXX    BANKRUPTCY, however, this is NOT TRUE because this account was not included in the bankruptcy, it is still open and monthly payments are made. I called   XXXX   XXXX   and they said that the statement is not appearing on their report to the credit bureaus & they do n't know about the bankruptcy statement.   XXXX   XXXX   sent me a letter to confirm that this account was not included in the CH  XXXX  bankruptcy. I called   XXXX   and they said that the comment/statement is not showing on my credit report. I checked my credit report on the website of TransUnion, last  XX/XX/XXXX  and this is where I found the comment on the   XXXX   XXXX   card account that this account is " included in the CH  XXXX  bankruptcy '', on my credit report. This comment makes it appear that I filed another bankruptcy in   XXXX   and it is still open and because of this the financial do not want to approve my housing loan application unless TransUnion corrects the report. This is causing the delay in the loan process and the seller wants to cancel the acceptance of the offer. There is a chance that I might lose the opportunity to buy the property if this do not get fixed in right away. I filed a dispute on the credit report online in TransUnion 's website, last  XX/XX/XXXX  and was instructed to send supporting documents to their   XXXX   XXXX   addres and which I did as soon as I got off from work. I sent it thru overnight mail last  XX/XX/XXXX  and they said TransUnion wil receive it on Monday,  XX/XX/XXXX  at   XXXX   XXXX  . Yesterday, XX/XX/XXXX , I called TransUnion to follow up that status. The customer representative said that they have not received the documents yet and I asked her if I can fax the documents so they review them. I asked for the fax number & was instructions on what to put on the fax cover. I followed the instructions and faxed the documents right away. Today,  XX/XX/XXXX , I called TransUnion to follow up if they received by documents I mailed and faxed. I spoke with the customer service representative, his Supervisor and the Supervisor 's supervisor and they keep on stating that they will investigate and will take time. I keep on explaining that I do n't have much and that there is a chance that I 'll lose the opportunity to buy the house I want just because of the incorrect credit report.
Experian appears to be systematically preventing online freezes after the hacking of XXXX.
I received a call from southwest credit system asking me to pay a debt owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. What I owed XXXX XXXX XXXX was paid in full on or about XXXX 2015. I have my bank statements to prove this. I have been getting calls from southwest credit systems in the morning, afternoon, evenings, midnights, and early mornings. After I told them not to call me because I do not owe XXXX XXXX XXXX, they still harass, threating me, insult me and keep calling from different numbers. They call from XXXX and XXXX. They even call me and ask for my name and when I respond and say this is he, they hang up. This has been causing me emotional pain and traumatizing me to the point that I want to hurt myself. The fact that I took the right step to pay my bill and stay current on my finances to include monitoring my credit on credit karma, this even is taunting me to the point that I can not handle it anymore. Please have the company stop calling and if they can prove, in conjunction with XXXX XXXX XXXX, they need to show proof that I owe them and I am also willing to show my proof that I paid in full from my bank statements.
On XX/XX/XXXX I received a payday loan for {$400.00}. Every week thereafter they took payments from my checking account. The initial payment of {$85.00} was taken on XX/XX/XXXX and each Friday after that they took {$60.00} until XX/XX/XXXX. The total that they received in all was {$450.00}. XX/XX/XXXX, I was notified by the company that they were unable to take their payment. I responded on XX/XX/XXXX by letting them know that I was currently unemployed and didn't not have any income at this time and that I would like them to stop attempting to take the funds from my checking account. I asked them to consider the loan settled because they had received {$450.00}, that payday loans are in fact prohibited in the State of Maryland and that there is an interest cap in Maryland of 2.75 %. I also asked them to stop any collections activities. Their representative XXXX XXXX ( XXXX ) replied stating that the automatic ACH has been stopped and that I have a balance of {$960.00}. She offered me a settlement of {$720.00} ( 75 % of my " total balance '' ). She also stated that I should make arrangements to pay the loan off If I didn't they would proceed with collections activities and that I would be responsible for any court fees assessed. I replied and stated that I would not be paying that amount and that I would be bringing this issue to the attention of the FTC and the Maryland Consumer Protection Bureau.
I sent a letter asking XXXX to remove the incorrect names and addresses from my report. I also requested that several of the inquiries, Collections listed were not mine and/or not authorized. The information is still listed on my report and I never received a response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXXXXXX {$280.00} XX/XX/XXXX
Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. 
However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. 
I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. 
Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. 
I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. 
I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.
Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization, Hardship Letter, XXXX Cert for XXXX XXXX and the POA for XXXX XXXX giving Power of attorney to XXXX XXXX. ( See the attached documents that BAC has received over the course of the past year. ) Since then we have been informed that the loan has been charged off. In turn we asked that we receive either a payoff demand showing the balance due, if any ; OR a Reconveyence of the 2nd TD. We have requested these in our multiple conversations -- -10 separate conversations -- - with Bank of America which have taken place on the following dates : XX/XX/XXXX, XX/XX/XXXX ( at which time Bank of America told us they no longer had the loan -which was not true ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

In almost every conversation I was directed either to a different department ( who then told me that dont actually have the loan either ) or I was given a number to fax in the authorizations and POAs YET AGAIN. 

In my conversation with Bank of America today I was told that Bank of America would need further documents in order to move forward with our requests for a payoff. ( Please see # 4 below ) In this process Bank of America has delayed processing the request for a payoff demand. Instead, they have done several other things : 1. Demanded a different power of attorney WHICH IS A FELONY  -as it is a violation of Elder Abuse laws. 
2. Required the borrower to sign all documents for the short sale herself WHICH IS A VIOLATION OF BOTH POWERS OF ATTORNEY WHICH ARE ALREADY IN PLACE -- not only the Power of Attorney that was in place prior to the start of the short sale, but also a violation of the power of attorney that BAC demanded the borrower sign. If they are claiming the borrowers signature must be in ink on the Bank of America documents then why did they demand another different POA to be signed??? 
3. Required the payoff statement from the 1st TD - the 1st TD payoff has NOTHING TO DO WITH PROCESSING A REQUEST FOR THE 2ND TD -- -- -- UNLESS THERE IS FRAUD GOING ON -- -??????? 
4. Required documents for a short sale before providing a payoff demand. -- - These two things have NOTHING to do with one another SHORT SALE DOCUEMENTS ARE NOT REQUIRED IN ORDER TO PROCESS A PAYOFF DEMAND REQUEST. 
5. Bank of America has acknowledged our authorization yet refused to allow me to speak to someone that actually handles these types of loans. -- - You CAN NOT REFUSE TO SPEAK WITH AN AUTHORIZED THIRD PARTY. 



At this point Bank of America has acknowledged my authorization as an agent for XXXX XXXX XXXX. They have also told us in writing that the loan is charged off.  THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND PHONE GAMES HAVE TO STOP. It is obvious Bank of America is either completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART.
On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX   and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money. 
Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?
I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Kohls charge app and site was having issues. Would not accept my payment and said there was an error and to try again later. After multiple attempts I messaged Kohls and they said the problem was fixed. It was not! So I tried again later. The payment went through. This was XX/XX/XXXX. The payment was {$41.00}. Today XX/XX/XXXX I check My bank account to find there was a second charge from them for the same amount on XX/XX/XXXX. I talked to two customer service agents on the phone and multiple online and they basically told me there was nothing they could do and they could not refund me my second payment. To call my bank and cancel payment to them but I would be charged a {$25.00} cancellation fee. This is absolutely ridiculously and very shady of them to do. It was basically said to me it was my fault which it was not, the site was not working and telling me to keep trying. I only got one confirmation number in all my attempts so for them to charge me twice and try to brush it off as an error on my part is poor customer service! I am very displeased with this company and how their customer service works. How many others do they do this to? Taking unauthorized payments without a customers consent and then telling you oh well! Will be done with this company as soon as I oay My balance off.
Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX
Date opened XX/XX/2016 1st account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX Date opened XX/XX/2016 2nd account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX I called this company to advise them that this is not my debt the lady in the phone was rude and advised me that it is my debt and if not paid will be reported on my credit report. I have since then disputed the accounts twice and asked that information be provided showing this is my debt no information was provided and the debt is still being reported. I can not get approved for a home or car because my credit is showing I owe this debt.