WillisBack/dataset-financial-user-claim huggingface dataset:
This is a short sale approval issue in which I am asking SLS which already approved my short sale and I have attached the documents, including the contract executed by myself and the borrower. Therefore, I do not need a third party approval as I do not want information about the borrower. I need someone to provide us the approved extention so that I can close on the loan. I have paid attorneys, appraisals, survey, town CO fees, etc. The bank will not allow me to close until I receive this document. The seller 's attorney nor the bank are responding. I need SLS to respond immediately before my loan is cancelled!!!! 

Since XX/XX/XXXX, we have been working with Specialized Loan Services ( SLS ) to purchase a home at XXXX XXXX XXXX XXXX, XXXX, NJ. This is a short sale that they approved. Unfortunately, the seller had a lien on the property that needed to clear before we can close on the loan. Waiting caused the short sale approval to expire, they provided an extention in XX/XX/XXXX and then in XX/XX/XXXX but then they also expired. The bank will not close unless that extension is active. At this time, we have the attorney, the appraisal, the credit report fee, the surveyor, the town with the CO fees, all accumulated and we can not get SLS to respond to us with the lien settled so that we can get a clear title. Nor, have they provided us another extension knowing that they are causing the hold for us to close. We have spoken to the seller, XXXX XXXX and he wants to sell the house. He no longer lives in NJ and has abandoned the home, which by the way the town is ready to put a lien because the property has been abandoned for more then 2 years. We have everything in place to close on the loan and move to the property. We need SLS to respond!!! We need to short sales extension and need a confirmation that the lien is cleared. The sellers attorney will not respond to anyone including my attorney as they claim they are not getting paid for closing on this house, The seller XXXX XXXX ( XXXX ) is anxious in getting the house sold but also finds that his hands are tied as he can not get answers from SLS. They are located at XXXX XXXX XXXX. XXXX XXXX, CO XXXX phone XXXX. The loan number is XXXX and the seller is XXXX XXXX. Please help us get a response and the documents needed so that we can close on this purchase. You can reach me at XXXX XXXX or XXXX XXXX. My email is XXXX. Your help is greatly appreciated!!
In XX/XX/XXXX I submitted a HAMP modification application. While XXXXmy application was pending, in XX/XX/XXXX, I contacted my SLS Point of Contact to inform SLS that my wife 's income source had changed. The SLS Point of Contact suggested that I re-send the income portion of the RMA to reflect the updated information. I followed his suggestion and re-submitted the RMA in XX/XX/XXXX. When I subsequently called to follow up, I was told by a different SLS representative that they did not accept the updated information, and that I needed to re-submit an entire new application. I then submitted a complete new application on XX/XX/XXXX. Yet another SLS representative confirmed receipt of my application, but told me that there was an outstanding issue regarding my ex-wife. I explained that I had been divorced for over five years, that the property was awarded to me in the divorce settlement, that my ex-wife had returned to XXXX permanently, and that I had already provided SLS with, on numerous occasions, the divorce decree and quitclaim deed executed by my ex-wife. When informed of this, the SLS representative told me that he would accelerate the case with my supervisors. When I called back to follow up two weeks later, I was told that the issue had not been resolved, and that I would need to re-submit an entirely new modification application, despite the fact that it had been less than a month from my previous complete submission. I sent yet another complete modification submission on XX/XX/XXXX, but my Point of Contact did not return repeated messages to confirm receipt. In XXXX I received a letter from SLS denying me for all programs because " you did not provide us with the documents requested '' and reference an alleged prior missing document letter that I never received. It seems as though SLS based their denial on the XX/XX/XXXX submission and never even reviewed the three XXXX 3 XXXX more recent modification applications that they themselves requested and they did so despite numerous telephone conversations discussing the new information that was provided, and confirmation from their representatives that the requested documents were received. I again spoke with an SLS rep ( " XXXX '' ) on XX/XX/XXXX, who told me that it was my fault that I submitted the wrong documents to SLS, and that my updated documents could not replace the original RMA submitted in XXXX. She told me that once again I needed to submit an entirely new application for modification. I submitted an updated, complete, new package once again on XX/XX/XXXX via XXXX. Three days later, I received a letter from SLS ( attached ) confirming documents received, but incredibly, the letter references the documents I submitted back in XXXX instead of the updated documents! 
I have complied with four separate requests for complete new packages since XX/XX/XXXX and yet, apparently, SLS has not updated their system to reflect all the new information provided. Instead, they cause needless delay while the foreclosure moves forward. Please help.
I contacted my servicer on XX/XX/XXXX to confirm a change in my property taxes due to a citywide reassessment which resulted in a much lower property tax bill for my home. I have followed up several times for ( i ) an update to my escrow withholding and ( ii ) confirmation that action is being taken to pay my property taxes correctly ( follow ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with NO non-automated response. I have yet to receive a single update and my servicer missed my latest property tax due date. Only next step I can take at this point to elicit a response is a CFPB complaint..
Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 

1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 

2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.
I had a debit disputes that I lost. The agreement between XXXX XXXX ( navy federal debit disputes supervisor ) and I was that nfcu would debit my account on the first of every month for 4 months in the amount of {$290.00}. They took the money on the first the last two months but bothe times ALSO debited my account for the same amount on the XXXX. It took me 2 weeks of voicemails on the supervisors phone line in order to have it reversed. She did promptly reverse the charge from the XXXX last month. This time around I have been calling and leaving voicemails but have not heard back. This has created a negative financial situation for my family of XXXX since we were not 3xpecting to have to deal with this problem again. Because of the delay in response from the supervisor, I have had to borrow from friends and family to make it until the first. The bank supervisor is bullying me, and when I ask to speak with anyone else who has more authority, I am told that only XXXX has the notes for my particular situation. 

Please help as I can not imagine going through this again these next two months.
Communication from XXXX XXXX XXXX began a few weeks ago. I had received a few calls and a couple of voice mails from this company and when I called back a person named XXXX XXXX answered stating his name. I mentioned that I had received a couple of calls and wondered what it was about. The individual did not reference that they were a collection agency or that it was an attempt to collect a debt. They would only ask for my information and for me to confirm who I am. When I would not comply and asked what it was about he would not respond but continued to ask for my information. I then hung up the phone. He called back and hung up on me. When I called back he threatened legal action. A week later we received a letter from XXXX XXXX XXXX stating that I had an outstanding debt with US Bank. I know that this debt is erroneous as it was paid off a few years ago. When I searched XXXX XXXX XXXX it came up that XXXX XXXX is a representative of that company and that he had harassed other individuals in the same way he had harassed me.
This bill should have been paid by the state of Nevada. I was XXXX at XXXX XXXX XXXX XXXX and XXXX Nevada XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Therefore I Was a XXXX and not responsible my medical services. Not only that, I am a XXXX veteran and all medical bills are covered by the Veterans Administration. I was never notified of this dispute until seeing this last week on my credit report.
When I started the process things started off great, but as the process continued the communication was inconsistent with Equity Prime Mortgage. I would submit paperwork in a timely fashion and would not get a reaponse back or they would say they never received certain paperwork then they would search for it and say it was mixed up with other paperwork. We were suppose to close on the XX/XX/2018 and I did a final walk thru with the builder and heard nothing from Equity Prime until I showed up to the title office to sign the paperwork were the title officer informed me to call Equity Prime. Then I was told I needed more paperwork. At this time I already hired movers and gave my former landlord the date I was leaving XXXX XXXX to XXXX. With this whole miscomunication my family is stuck in a hotel for a week because now I have to delay delivery of my furniture to find a back up or rental property. This has caused unnecessary stress to my kids and my XXXX  wife.
On XX/XX/2018 I sold item on XXXX for {$240.00} buyer complained to XXXX   about cancelling order after shipment was in progress then opened did not receive item case with XXXX and lost since I use XXXX/Paypal labels. Then buyer open chargeback with Paypal after receiving shipment through financial institution. Paypal asked me for proof of delivery which was supplied to them and buyer also signed for shipment at time of delivery. Paypal keeps holding me responsible for the now XXXX ( XXXX more dollars for chargeback fee ). If I have so called Paypal Seller Protection why is this happening against my seller 's account with a negative balance that they keep taking away and putting back. No seller should be subjected to this type of negative treatment after a tangible item was delivered and signed for.
My US Department of Education accounts  XXXX  and  XXXX  are currently being rehabilitated by   XXXX   and are on an automatic payment schedule. I do n't know why they are being reported as collection accounts seeing as how all of my documents have been forwarded to the Department of Education and they are well aware of the loan rehabilitation, the account status is incorrect.
On XX/XX/2018, XXXX XXXX informed me that my monthly payment for my Revised Pay As You Earn plan had increased from {$270.00} to {$510.00}. To date, I have not received any explanation as to why my payments almost doubled. I am in the same repayment plan and my salary has not exponentially increased. When I called XXXX XXXX and requested an explanation about how the payments were calculated, I was not provided with an explanation. I have also sent them an email requesting an explanation, but I have not received a response. I am now wondering whether any outstanding interest was capitalized at the time of my recertification ( even though I timely recertified ), causing an improper increase of my monthly payment amount. I also requested a lower payment, because I can not afford to pay almost double what I had been previously paying, but I was advised that {$510.00} is the lowest payment available to me at this time ( without seeking a forbearance, in which I am not interested ).
Over the telephone, I closed my several years ' long cell phone account with XXXX XXXX which I had been paying off in full monthly and for which I had no contract going forward. I paid the itemized bill that I received within a month 's time of the closing. Several months later having gotten no correspondence in the interim, I received a bill from XXXX XXXX for a single amount due approximately two month 's service, but with no itemization or explanation. When I attempted to review my account on-line it was no longer available. I took no action to pursue their charge, but XXXX has turning over what they perceived as a debt to a variety of debt collectors, the latest being Jefferson Capital Systems ( {$140.00} ). I went to buy a car about 10 days ago and while I did get the 0 % APR car loan, I was dismayed as to how low my credit score had dropped since I had last heard, about XXXX points. I requested my credit report today and while I do n't see XXXX XXXX, I do see Jefferson Capital Systems ( closed ) as another account citing the {$140.00} amount as a reported balance.
I received a misleading email making it seem like my account was overdue and they offered special programs including taking my tax refund to cover a payment/partial payment. In the email it includes this line underlined and in italics " If you 're getting a tax refund, put those funds to good use - bring your account current to stop the late fees and collection calls. '' My payment is due XX/XX/XXXX. I received this predatory and misleading email today, XX/XX/XXXX. My account is not overdue, but the red highlighted " alerts '' and request for my tax refund were still sent to me? Not ok.
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my report without prior written notification in direct violation of Section 6.11 of the Fair Credit Reporting Act. I am requesting that the reinserted inquires be permanently removed from my credit report.
My name is XXXX XXXX XXXX, my son 's name is XXXX XXXX XXXX XXXX Transunion has repeatedly filed information belonging to my son on my credit report. Collection agencies are also doing the same. Collection Agency : XXXX Address : XXXX, IL XXXX. ( XXXX ) XXXXXXXXplaced XXXX ( XXXX ) delinquencies and collection entries for my son on my credit file since XXXX 2015. This is a problem that keeps occurring and Transunion as well as the collection agencies are not exercising due diligence in verifying that I am the correct entity they are seeking. Transunion also has me listed as " XXXX XXXX '' an alias I have never used. I 'm being harassed and because of my good credit, I 'm repeatedly targeted. Please help me to stop this, it 's a real hardship on me. 

Thankyou
I have been fighting with Equifax for 2 years to remove this unverified debt from my credit profile. XXXX, XXXX XXXX have also asked Equifax to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap
Unauthorized Inquiries XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I called Equifax and they refused to remove the inquiries but gave me a security freeze and fraud alert. I want these unauthorized inquiries removed.
I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with XXXX XXXX and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. 
thank you XXXX XXXX XXXX
XXXX XXXX is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to XXXX. That payment was for XX/XX/XXXX. I paid XXXX over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. XXXX is reporting XX/XX/XXXX, as the date became delinquent and never became current.
I have spoken to Navient customer service several times regarding my loans fees and it's current status. In early XXXX 's we were " tricked '' ( Salliemae at the time ) into forbearance to have " extra '' money for the holidays or because we were late on a payment. In XXXX we missed a payment and I have now noticed that we have been charged 30 {$20.00} late payments and unless I pay {$1900.00} I will continue these late fees even though we are on auto debit. We often receive letters and calls where they threaten us legal action if I don't pay this ever changing amount due ( we are on autopay so It's difficult to pay extra ) My biggest concern is that when I speak with them they have no interest in assisting our situation. To be transparent I am looking for a reasonable forgiveness due to the following loan details : First loan payment- XX/XX/XXXX Original Principle- XXXX Current Principle- XXXX Total balance- XXXX Total paid to date- XXXX Expected pay off- XXXX ( XXXX payments at {$340.00} ) Interest rate 8.5 % I have tried to come to an understanding with them regarding our position and most of the time the person from customer service does not understand me, is very hard to understand, and only reads from a list of responses.
I have been trying to dispute a chapter XXXX bankruptcy ID # XXXX listed o my credit for over a year now. I keep getting notifications from XXXX Equifax and XXXX stating the information has been verified from XXXX XXXX and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.
There is an account on my XXXX  credit report that reported by Portfolio Recovery Associates. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.
I closed on the sale of my home in XX/XX/XXXX and paid off my loan with Bayview Loan Servicing. I received a letter from Bayview that my loan was paid-in-full in XX/XX/XXXX. However, I received a notice from XXXX  and XXXX that Bayview is reporting my account delinquent and 30 days late with {$0.00} due. 

I had this issue fixed in XX/XX/XXXX but it has reappeared again in XX/XX/XXXX. There are no managers or supervisors or points of escalation that have been able to fix this reoccurring problem. It is a violation of the Fair Credit Reporting act and fraudulent to try and collect on a loan that is paid in full.
I 've tried contacting the lender to resolve the issue with no luck. I sent them a certified letter to dispute. They are not willing to work with me and sent me to collections. The balance is incorrect and payments incorrect. I would like this removed from my credit report. They are very hostile and I ca n't speak to people that treat me that way.
I was never notified of any kind of debt, any kind of court case, no notification at all from this company. All of a sudden I checked my bank account and my bank account was frozen on a legal hold, never received notice that my bank account was frozen. Will not tell me my case after begging for information, find out a third party company bought " my debt '' and then attempt to call them to get verification of debt, they refuse to give me the verification of debt. They hang up on me, or tell me to call back every time I call to try to get my bank account unfrozen and get verification of debt. My " debt '' is being collected through a third party company called Weltman Weinberg and Reiss. I never received any kind of notification that this would be happening to me, my bank account is still frozen over debt that they will not verify and no one is doing anything to get my account unfrozen, or work with me. I do not understand how this is legal. The company will lie in a court of law and tell a judge that you were delivered paperwork when you were not, and then the judge will make a judgment because they think that you are negligent because you are not there, however you were not served the paperwork! Unbelievable that this is happening. My bank account has been frozen for two weeks and there is nothing that I can do about it. This is completely illegal.
XXXX XXXX XXXX has acquired fraudulent accounts from XX/XX/XXXX-XX/XX/XXXX, and will not look into the validity of the accounts or stop collection efforts. I have previously retained a lawyer and gotten one case/account closed, and myself dismissed from financial obligation due to the account being fraudulent/identity theft. There are three accounts acquired by MCM with the following amount : XXXX XXXX- {$1900.00} XXXX- {$3300.00} XXXX XXXX {$1400.00} These accounts are the result of Identity theft and I would like them to close the accounts/dismiss collection efforts and stop contacting me for payment. 
Thank you