WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX my home and property was seriously damaged by Hurricane Sandy. All my savings went into repairs and I lost income due to all the time needed to handle the mess. My, then, mortgage company, XXXX XXXX finally granted me a modification in XX/XX/XXXX but they increased my term to 40 years. I was not happy but I accepted it to just move on. 

In XX/XX/XXXX, XXXX XXXX sold my 40 year loan to SLS ( Specialized Loan Servicing ). On the first statement from SLS they requested {$400.00} over the original mortgage amount within days. When I contacted them to ask questions they told me I had to pay for escrow. ( In the past any escrow funds have always been charged with options being either lump sum or 12 monthly installments added to the mortgage. ) SLS said I must pay it ALL and the only option to make the deadline was a XXXX XXXX payment. They did not accept any other electronic forms of payment. 
Upon further research I found that XXXX XXXX can prove the funds were sent but not that they were received and many many people had complained that SLS was not posting the funds to their loans. Despite many conversations with the company they refused to offer any other options and I was unsure how to proceed. 

Experiencing how they deal with their customers was scaring me quite a bit, so I contacted a colleague whom works for a Law Firm that specializes in these sorts of situations. He helped me craft a complaint to the NY XXXX XXXX Court for breaching the original mortgage. 

For many months SLS repeatedly claims that they are unaware of the lawsuit even though I have the docs stamped by the court and they filed for a dismissal. They refuse to discuss any of it. 

Finally, in lieu of continuing on the legal front I hoped to obtain a realistic modification with hopefully a reduction in years/interest. A few weeks ago I submitted all the docs for modification and on XX/XX/XXXX SLS  sent a letter denying me any assistance. 

Please assist me in obtaining a qualified rep with SLS to discuss all the above mentioned matters.
I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.
The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure Sale date  is XX/XX/XXXX XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is America 's Wholesale Lender and they are a fictitious lender that was used by Countrywide Home Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.
XXXX called me on XXXX @ XXXX, she asked for a man that was not me. I stated she had the wrong number and to please remove my number. She stated she was confused as the person had called from my number. I again told her she had the wrong number to please remove my phone number associated with the account she was calling on. She continued to tell me that her " lawyer '' gave her this number. I asked for her name told her not to call and hung up. She called again at XXXX. Once again I told her i just informed her to remove my number that this was the 2nd request. I hung up. She called again at XXXX and left a vm. Then she called my place of employment at XXXX. I told her i was recording the conversation and not to ever call my number again as I am not a party of the debt she is trying to collect. She stated I was not making payments and I explained I will never make payments as I do not owe them anything.
I was shocked when I reviewed my credit report and found late payment on the dates below on my Auto Loan and it's also reporting with multiple inaccuracies which is a state and federal violations. 

XX/XX/XXXX XX/XX/XXXX & XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I made a purchase on ebay via XXXX on my Capital One XXXX card on XX/XX/2018 for {$7.00}. When I check my account on XX/XX/2018, I noticed there was a cash advance fee {$10.00} posted on my account on XX/XX/2018. I called Capital One and asked them why I was being charged the cash advance fee on XX/XX/2018. The customer service representative told me that I sent a wire to a seller on XXXX  via my capital one card, that's why I was being charged the fee. I asked the CSR if they could do a one time waiver fee since I always pay my credit card on time & and I wasn't aware of it. The CSR at capital one told me that she couldn't and that I should read my card member agreement. It has been five days and this issue hasn't been resolved and I'm upset about it.
On XX/XX/XXXX I sent letters to XXXX XXXX and XXXX  XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. XXXX XXXX is still reporting this account as open on XXXX  even though this account was paid off in XXXX. Both XXXX XXXX and Santander are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. Santander received and signed for a certified letter on XX/XX/XXXX and XXXX XXXX sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
I authorized the credit card to take money out an one-time payment over the phone for  XXXX  different account s (   XXXX ,  XXXX   XXXX ,  XXXX   ) ow ned by the same credit card compa ny ( Comenity Bank ) for   a specified amount on a specified date. The credit card company drafted the money for  XXXX  account on the date specified  XXXX   XXXX  and authorized by me and drafted the amount for the other  XXXX  account on dates that I did not authorized, 7 days later on  XXXX   XXXX . This caused the bank charge me overdraft fee.
My sister 's information is showing up on my credit report. This has become an issue because her bad debt is causing my credit score to drop. I need to know how I can get her information removed As Soon As Possible!!! A credit report has already been run. The Report # is XXXX. I do n't wish to have my credit run again as a hard inquiry as this will also reflect badly on my report. I was told that this report # would suffice for the issues in question.
Evans Law Associates, P.C., Contacted me regarding a relative 's alleged debt. I asked them to remove my number and do not call again. The collector was very rude and stated that he did not have to remove my number, and I hung up. I called back hoping to be in contact with another agent, however it was the same collector. The collector lied and stated that my relative had used my number as their own on an application, and went on to say he had pulled my credit and background report. As far as I know, it is illegal for a collector to pull any information on any person that is not listed as an account of their own.
My finance requested that I place {$5000.00} in a BB & T bank in Florida to be credited to a BB & T bank account in Texas. The BB & T branch in texas refused to place the funds into the intended account in Texas.
On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help
I owed XXXX dollars. I was told I needed to make a minimum payment of XXXX in order for her not to take legal action. 
I felt intimidated so I payed the XXXX, then I started to give what I could afford. Since then I have n't received any letters till this day, on how to resolve this debt.
In XXXX of 2017 I saw a late payment reported on my credit report. XXXX of 2017 I contacted the company to find out what it was. The representative explained to me that I failed to make the monthly payments. I explained to them that I was not notified of failure to pay the monthly payment. The representative said they called me and I told them I would call them back. I told her if I knew it was them I would have asked all the same questions that I was asking on the current phone call. I explained to them that I was not made aware of the date of repayment and the representative agreed that they had not made any other attempts outside of using an old email address and the one phone call. I asked if they sent anything to my residence and the representative said no. I asked why not and she kept responding that was all they did.
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The representative proceeded to tell me that my credit would continue to be negatively affected if I did not pay a certain amount of money, and that if I did pay that amount, they would go back and correct their mistakes. I asked for this agreement in writing. The representative ignored my request and continued to ask for a form of payment. I asked for a supervisor and the representative told me that they were unavailable. I continued to ask for someone with the ability to provide the statement that I was unaware of the payment dates and amounts and the representative said they would tell me the same thing and that someone would contact me.
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The next week I called again to speak with a supervisor and the representative told me again that if I paid what they were asking for they would provide the letter stating that it was their oversight and they did not send me a notice and understood that I was not aware of the amount and dates. I told her that if they knew it was their responsibility to make me aware and they did n't that I should not be penalized for it. I told her that I would like to have a supervisor contact me to discuss this issue and the representative told me that I should make the payment and then dispute the late payment reports and that request would go straight to the supervisor and she would change it. I again asked for that in writing or to speak with the supervisor that had that authority. I also asked why, if I was willing to make the payment, and she could do it at any time, would n't they do the right thing and fix it now. The representative told me that I would have to pay first to have it changed.
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Aside from knowingly misreporting my payment status, this company threatened my credit further and tried to convince me to give them money to " fix '' my credit report.
As per your request I 've submitted the documents you require for my address change via XXXX and my new address reflects on TransUnion. 

Attached is the updated letter from the XXXX account ending in XXXX confirming me as an authorized user for the primary account holder. Please let me know if you require any further documentation to have this account re-added to my credit report. Thanks.
I have been fighting with Equifax/XXXX/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XX/XX/XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( Equifax ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however Equifax will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
TRANSUNION HAS failed to use reasonable procedures to LEGALLY verify the information they are reporting on my credit reports. This is the last step for me before I get the ATTORNEY GENERAL INVOLVED and then take them to court. By law, they are suppose to use reasonable procedures to COMPLETELY verify the information that's on my report. How can they report information that I have NO SIGNED contracts for?? 

I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX  has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.
Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.
I sent a letter to Equifax on XX/XX/XXXX asking that they verify the debt of several accounts. After the first letter, they deleted 2 accounts in their response on XX/XX/XXXX but did not verify any accounts. On XX/XX/XXXX, I sent another letter requesting proper verification of the remaining accounts as well as the name of the person who verified the accounts. On XX/XX/XXXX, Equifax replied by simply stating, " We have verified that this item has been reported correctly '' and listed dates and amounts of said accounts. I sent a third letter on XX/XX/XXXX, asking again for verification of the remaining accounts. I was able to remove 2 of the account from my list after doing a little research myself but I have never done any business with the remaining 2 accounts so I am looking for a true validation of debt to determine why and how these 2 collections were listed on my credit report. In their response to my 3rd letter, they stated, " We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, and numbers, and the nature of the dispute. '' Their final response was very disappointing because they simply pretended that I did not send them anything. Each letter was sent with a copy of my driver 's license, my SS #, and a letter with a list of accounts. Each letter was also sent certified mail so I was completely taken aback by their latest response and thus the reason for the complaint. Proper verification of the 2 remaining collections listed on my credit report would be greatly appreciated. I would like a solid verification as outline in all three of my letters without defecting and placing the blame back on me.
I have been a discover credit card holder since 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

This was my XXXX credit card that established my credit history as of 2012. 

XXXX months ago, without any warning and notice in advance, the company closed my account ( and also my checking account with Discover XXXX and thereby severely affected my credit profile and credit score. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX without a just ground. I believe that CFPB is or will be getting more similar complaints in the nearfuture. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. 

Thank you.
I am complaining because I have noticed a negative action on my credit report regarding a late payment to it. I called customer service, not once, not twice, not three, but FOUR times regarding it. Each time I get passed to another customer service person to start over. This is unacceptable to me.Due to this horrible customer service I have recently closed all my back accounts with Citibank, and I want to pay off my loan that I have with Citibank, so I never have to deal with them again. My loan was reported past due to the credit agencies, which is Citibanks fault because it has been automatically deducted from my bank account for the last 2 years. I never paid with check in any way and I do not even know my loan number, so the lateness is probably from one of their unqualified employees that currently work there. I have called to resolve the issue numerous of times and they have not helped me out in any way, instead they put me on hold, and pass it to another person. To resolve this issue, I would like all fees associated with the lateness reversed and I would like it removed from my credit report immediately. Once that request is completed, in full, I want to pay the loan balance off and close it out. I would also like a written statement explaining your companys position and what you will do about my complaint. Citibank is terrible, please do not use them for anything.
Both my parents and my uncle received phone calls from the same debt collection agency stating I owed them money. I do n't know how they even got my family 's contact information. I have never used them as references for anything nor would I give any debt collection agency to speak with my family about a debt. This company harassed an uncle I do n't even speak to and threatened to have me arrested if he did n't pay. This same company continuously called my parent 's stating that they would be sending legal paperwork to them.
Loan # XXXX I am writing to report gross neglect in regards to This Short Sale. I commenced the Short Sale XXXX/XXXX/2014. I had spent many many months gathering information for the bank and all parties in the transaction had compiled with all of the banks requests. Wells Fargo have been slow to respond, they request the same paperwork stating did not receive. XXXX XXXX was the assigned rep several months ago and now states the file is gone to another dept. Yet again more delays and no resolution. While is shorts status the lender is proceeding with a foreclosure. With XXXX buyers it is my belief that wells fargo are intentionally trying to foreclose this property. We Have a current buyer in place and yet again Wells Fargo are not responding. 

Your Help would be greatly appreciated Thank you XXXX XXXX