WillisBack/dataset-financial-user-claim huggingface dataset:
This company called me and demanded payment for something they could n't tell me what it was for. All they could tell me was that it was from XXXX XXXX XXXX so I called the hospital and XXXX different departments ( hospital billing dept, physician services, and XXXX ) within the hospital and each department said I did n't owe anything. I called the " debt collector '' back to try and find out if this was real or a scam because all they did was call and demand payment over the phone. I asked them all 3 times I spoke with them to please send me a bill in the mail. I 've given them my address each time and I still have n't received any written notice stating what this is for and I have no idea how to find out what I 'm paying for. I ca n't get them to work with me and I do n't want to pay something I do n't owe. I 'm NEVER late or delinquent on anything I owe!! I do n't even know what bill they are asking for!! I also called my insurance company and they have nothing on record that I owe. Please Help
To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX  XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.
There is a student loan with XXXX XXXX XXXX on my Equifax Credit Report which states the status is " wage earner plan. '' That is incorrect ; my Chapter XXXX was converted to a Chapter XXXX and was dismissed in XX/XX/XXXX. Since student loans ca n't be discharged in bankruptcy, this loan was subsequently paid as agreed. The attached credit report from Equifax says the date of my XXXX delinquency was XX/XX/XXXX. That is incorrect. That is the date I filed my Chapter XXXX, which was subsequently converted to a Chapter XXXX, and thereafter it was paid as agreed. I have also included a copy of my XXXX Credit Report as proof that this loan was not delinquent. The bankruptcy status on the Equifax Report is throwing my account into a negative status. If the account is being paid as agreed it should not be in a negative status. They ca n't have it both ways - either I 'm in a positive status or a negative status. The bankruptcy notation should not be on this item as it was not discharged through bankruptcy and it was paid as agreed.
My payment date is due on the XXXX. They are are charging a {$38.00} late fee to my balance if not paid on or before the XXXX. The XXXX is not my due date. I have moved to another state almost XXXX year ago and have had financial slow downs while getting re- established. I did not realize the were charging this outrageous late fee after the XXXX. In my industry ( XXXX XXXX ) the deadlines dates are XXXX that night as this is within the XXXX hour day. My account is has a {$150.00} balance with a {$500.00} limit. No warnings on my paper statement disclose payments should be received on the XXXX. I happened to see it on line when I made my payment this evening. I have been running late due to difficulty but when I pay on the due date, I should not be charged a late fee no matter what time of day it is. The bank can draft out funds from our accounts in real time so our payments should be able to count in real time within the XXXX hour due date time frame. This is robbery and should not be allowed even if posted in all caps and Bold on the statements. It 's even worse as it 's not clarified on the paper statements at all. This means that those who do not have internet access have no way of knowing before they see the charge that this is happening or why if they are paying on their due date. The 26.99 % APR rate and the {$38.00} late fee is thievery and the sneaky way they are getting it is criminal!
Several times, since the month of XXXX ( XXXX ), I have been trying to reach out to XXXX XXXX XXXX, via email regarding a debt ( {$1400.00} acct # XXXX ) that they claim I owe. Said debt is being reported on negatively on my credit report ( s ). I have asked for validation of debt ( original contracts with signature, etc ) However, the company has not  complied with my request, of which should be honored by law. My reason for demanding validation, including my signature, is because I have had medical insurance for well of 10 years and I NEVER received any outstanding bills to be paid ( from said original creditor-XXXX XXXX ). Either the hospital did not allow enough time for the insurance to pay the bill or they never submitted one- but either way, I was never notified and these items ( IF PROVED TO BE MINE ) should not be reporting on my credit report!
I 've spoken to Syndicated Office Systems several of times about these inaccurate accounts that were placed on my credit by them. I have over XXXX items being reported that are for XXXX the same accounts and for XXXX they are n't supposed to be on my credit nor in collections because they were taken care of with my insurance company. About XXXX weeks ago I spoke with a rude rep whom I 've advised of this matter once again and she told me that they will continue to ruin my credit and will continue to report no matter if they are accurate or not. I advised her to place me on their do not call registry she said no and called me XXXX times back to back. I am seeking legal advise from an attorney because I am wanting to file a lawsuit, if we ca n't work together to get these inaccurate items removed from my credit within the next XXXX days.
I am so frustrated with this student loans system and all the red tape. Last year I switched my student loans to Fedloans since they are apparently the only company that deals with " Public Forgiveness '' Loans. I have been working as a teacher for the last 12 years and have never been able to make full payments because my income is so low it never reaches the level for normal repayment. So basically I have been on the IBR system all these years. Before Fedloans I had Navient and several other servicers before that because they sell the accounts to each other I guess. I have always had trouble with sending my salary information because my paychecks show what I make during 10 months out of the year. It does not show that I do not get paid for the time I do not work in the summer. My yearly adjusted income hovers between the XXXX and XXXX mark on my tax returns but my paystubs show a gross of someone making XXXX per year. I always have to argue this with the loan servicer. There are several complaints I have and it takes more than XXXX words to unravel all the issues and complaints I have. I will try to create a list. 
1. They " lost '' or do n't have evidence of all the " eligible payments '' I have made over the past twelve years or at least since the law changed in 2007 for the loan forgiveness. When they switched over my account from XXXX they did not switch my payment history. 
2. They have sent me a request for documents and an application for IBR three times in the last year. Every time I send them the information they botch my application and cause my account to default and show " late payments, '' destroying my credit score every time. I sent them my application XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX and most recently now XX/XX/XXXX. They are still processing " the application. '' 3. Every time I call I get the run-around. I get responses like " the application is being processed. '' Then I call to follow up later and they tell me they " did n't receive my application. '' So how is that possible? Then I call back to try to speak to someone else and they tell me the application is " missing my signature. '' Meanwhile my loan is showing XXXX plus days late on my credit bureau for mistakes they are making. My previous payment was XXXX/ month and now it 's XX/XX/XXXX/month. That 's greater than my mortgage. 
4. I called again this last Thursday and I was told to file for consolidation online because " I qualify '' according to their customer service rep. So I did that and not 48 hours later I get a notice that the " application has been cancelled '' because I " do not qualify. '' I 'm at my wits end. Please help. Than you in advance.
I am experiencing an issue with Loan Servicing Company Seterus as they changed incorrectly WITHOUT MY AUTHORIZATION and knowledge my Principal and Interest mortgage payment of {$2300.00}. 

Additionally Seterus Inc. payed the last 3 months of my Home Insurance by sending a check for {$530.00} to XXXX. As stated in my previous complaints as well as my loan documents ALL INSURANCE AND TAXES are paid separate and that no escrow account should be opened. Once again Seterus has disregarded the loan agreement and paid the remaining balance of my home insurance. As you will see in the attached statement from XXXX I have paid on a monthly basis all applicable insurance bills ON TIME. XXXX has agreed to send the check back to Seterus Inc . This issue has caused unnecessary hardship and time. I will ask once again that Seterus close my escrow account that should never nave been opened and send back a refund check at the close of 2016.
Medical Business has reported to XXXX that I owe a {$570.00} to XXXX XXXX XXXX of XXXX. This is not my bill and I want this taken off my XXXX credit report. I have tried to contact XXXX and all you can get is lost in there telephone go here go there system. This is not the first time this has happened and it has been there mistake each time and it takes hours of work and providing proof that this is not me. These companies need to be held accountable for there mistakes they make instead of making live XXXX on everyone else. I found this when I pulled my credit report. No one has contacted me on this.
I had a mortgage with Nationstar Mortgage and I applied for refinancing. Nationstar 's mortgaging arm is Greenlight loans. I applied on or around XXXX XXXX, 2015 There were a couple of mistakes made by Greenlight while handling the loan like putting the wrong dates on documents and numerous other mistakes which made me pay {$500.00} - {$1000.00} more in interest. I called them and ask to negotiate a refund because it was a conflict of interest when these mistakes they admitted to me cost me each day in interest. I also called and talk to someone about the escrow amounts left from the old loan which was never sent to me or added to the new loan. I was told I would be sent documents I ask for to follow the trail of where the escrow amounts went but that did n't happen. On my first statement after the new loan started I had a escrow balance of {$1000.00} before I made the first payment. On my next statement there was a adjustment - escrow Of - {$1000.00} with no explanation. I called and the person told me the money was left from closing but could not tell me why it was deducted or where it went.
I fell behind on y credit card account, and capital one contacted me, saying that if I made 3 on time payments on my account, they would reinstate the account after 3 third payment was made. After 4 on time payments, the account is still restricted, yet they keep telling me to wait, and wait, and wait. I understand they can conduct business in any way they see fir, I just dont think it is right to blatantly lie to consumers after you have offered them an opportunity to resolve the issue and make good one the agreed upon conditions for reinstatement
Getting calls from a company that calls themselves XXXX, does n't stand for anything. Looking for my whereabouts on an automated voicemail. Returned call, and they said that they were going to sue me for bank fraud, and have been looking for me since 2013. Never took out any loan at that time, as they told me that my bank account had insufficient funds to pay back. At first told me they were collecting, and as soon as I told them not to call and send something in writing, they rebuked, saying they never said they were in collections, they were just a " mediator ''. They had mine and my wife 's info, which is unsettling, also. They 've called previously, and I 've told them not to call, and to put it in writing, they ignore and continue to call. The number they give is XXXX.
I have called and been hung up on after being tossed around to different departments for an hour. I have sent two registered mails and emailed the company. Registered Mails : 1. to XXXX XXXX XXXX XXXX OH XXXX FIFTH THIRD BANK USPS Tracking Number : XXXX with Signature Confirmation 2. to local branch. Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sent via XXXX tracking number : XXXX Both letters instruct to close the account. I do not want to go the branch. I opened the account over the phone and not in person and expect the same to close the account.
I had filed previously a complaint regarding my auto laon with Drive Time not appearing on my XXXX credit report, complaint # XXXX. On XXXX Drive Time representative named XXXX XXXX responded by stating : " Due to complications with the reinstatement process, we determined that XXXX XXXX 's loan has not been reporting to XXXX. We followed procedures previously determined by XXXX to be adequate for reinstatement and believed that XXXX XXXX 's trade line had begun to report. Upon realization that his loan was not reporting, we contacted XXXX and discussed alternative approaches for reinstatement, which have also been unsuccessful. We are currently working with XXXX to reach an amicable resolution for XXXX XXXX in the reinstatement of his trade line. 
We have been in correspondence with XXXX XXXX in regard to this matter, and we will contact him with any updates as they are made available. We apologize for any confusion or inconvenience this matter may have caused. Once the complications with reinstatement have been resolved, XXXX XXXX 's trade line should begin to reflect on his XXXX credit reporting within 30-60 days. '' I XXXX XXXX contacted XXXX on XXXX/XXXX/XXXX, to find out, my auto loan with Drive Time till this day does not appear on my XXXX credit report. This issue has been going on between me and Drive Time since XXXX/XXXX/XXXX when this issue was brought to my awareness. I brought it up to Drive Time on XXXX/XXXX/XXXX and still remains unresolved.
I tried to use my rewards points on Chase 's website to book travel. The website did not work -- it continued to say that there was an error on the page, even though no error existed. I called Chase XXXX separate times. Each time, I was placed on a long wait and transferred to a " supervisor '' who never answered the phone. The Chase employee with whom I did speak said that the website bug is a known issue and " happens. '' I am unable to redeem my points because the website is broken, and no one assists me on the phone. I speak with one Chase employee who then ostensibly transfers me to someone else, but that person never answers the phone, and I remain on hold.
I have disputed unknown inquiries with Equifax several times. I have also, explained to them that these inquiries are unauthorized and not mine. The only things that I have applied for are tied to accounts that I have. They stated that the inquiries will remain on my credit until they fall off, but they never stated how they properly verified these inquiries, therefore they should be removed from my credit report. I have also, contacted XX/XX/XXXX and they removed inquiries from my credit report as I asked. I have also, filed a theft report with the Federal Trade Commission. I demand that the following inquiries be REMOVED from my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
In XX/XX/XXXX, my wife 's mortgage loan with XXXX was sold to Caliber Home Loans beginning in XX/XX/XXXX. Our issues with the sale of our mortgage are many beginning with XXXX. Their claim was that our payments were late even though our payments were sent return receipt requested showing payments arrived on time. XXXX began returning our payments and threatening foreclosure even though we had a agreement from one of their representatives to fix so called problems. In any case the loan was sold. My wife has since passed away ( XX/XX/XXXX ) and I as her executor and beneficiary I have beentrying without success to get any reasonable or knowledgeable responses from Caliber Home Loans. They are as follows ; 1 ) We had a modification in XX/XX/XXXX with XXXX and with the contracts mandated for my wife to sign was a life insurance policy for the principle of the loan. With the sale of the loan to Caliber, which we were never given a notice of, this life insurance policy disappeared and were never given the choice of continuing on with the policy. XXXX was the beneficiary of the policy and XXXX paid for the policy through our mortgage. The mortgage was bought by XXXX who has changed the loan with no agreement from us. 
2 ) We have tried to get an explanation and accounting of how this mortgage grew from {$200000.00} to XXXX. Enclosed is a copy of the last XXXX statement and the first Caliber statement. 
3 ) Enclosed is a copy of the modification that Caliber has given me 15 days to sign even though I have repeatedly requested this information. We are willing to continue to make payments while this issue is being resolved. 

This could all be resolved if I did not keep getting different answers from everyone I communicate with.
I was contacted last week by a Recovery Solutions group, with XXXX XXXX being the contact. I returned the call and she immediately begins speaking to me very rudely about a debt I supposedly owe, and threatened that they would be placing a lien on my house that Friday if I did not pay almost {$4000.00}. They claimed they had a signed contract and MPN that stated I agreed to pay this debt. When I asked for verification of this, XXXX XXXX hung up on me. I called back repeatedly and was sent to voicemail. I kept calling and she eventually answered, stating that she was " trying to find someone to help me '' but could not even answer my intital questions. I was later told I needed to pay this debt by that Friday or my house would have a lien placed on it. I kept asking for verification and was not given any. I was then connected wit " XXXX '' who was also very rude and told me that there was nothing he could do, a lien would be placed on my property and that would be the end of it and I was wasting his time and hung up on me. He then emailed me, sending me a contract supposedly signed by my husband that was dated XX/XX/XXXXwhen we had no work contracted by anyone from XXXX. He provided me nothing with amounts, or who I even owed or any further information than that. I demanded that they no email my husbands work email address, yet they continued to do so. They ignored my requests for verification of the debt. I sent a certified letter on XX/XX/XXXX, demanding these items and asking only to be contacted in writing through the mail. I received an email from XXXX XXXX today stating that she was not obligated to provide me with the items to verify this debt as she was not trying to collect a debt yet on her same email it stated " this is an attempt to collect a debt '' and the letter that I received also stated I had 7 days to dispute the debt and that they were attempting to collect. They also contacted my husband 's work email despite my request they do not. They also continued to contact me in writing via postal mail, and then email me. They have lied and used threatening and abusive language, and have threatened to pursue legal action against a debt they refuse to verify and claim they are not subject to the FDCPA. The contract they have been sending is from a date that I have disputed there was no work done to my house, yet they have not sent me any proof of anything that they are claiming
I borrowed {$950.00}. It was to be paid back on paydays through XX/XX/2018. They are still taking out money from my bank account and say they will continue through XXXX. I have already paid back almost {$2000.00}. I'm going to my bank to stop them from withdrawing any more funds. I don't want this to go against my credit. They should be stopped from charging interest such as this and misrepresenting repayment terms>
Navient has been harassing me daily calling me at my workplace where I am not allowed to take personal calls risking my job. They have also called people who I have no relationship to or know and giving them my information for them to get in contact with me. When I was spoke to the representative at navient he was very rude and told me I needed to be man and step up. I told him I had made arrangements and they said they had no record of this. I told them what I could pay and he continued to give me and attitude and said he would keep calling until they got what they wanted and did not want to accept what I would pay and hung up the phone on me after I told them to stop calling my job and reference 's who I did not give to them. They have been calling randomly non stop from random unknown numbers from all over the country and calling and all times of the night and early morning. This harassment is out of control and they are jeopardizing my job by continuing to call job as well as ruining my name here at work. I would please like this to stop