WillisBack/dataset-financial-user-claim huggingface dataset:
Select Portfolio Servicing bought my mortgage from XXXX, which was the Mortgage holder at the time. It was a couple years after I filed chapter XXXX bankruptcy. I did not include my home in the bankruptcy and submitted the courts documentation, the same documentation I am uploading here, showing that it was not included. I am not sure how many years ago that was. They continued to report it as part of the bankruptcy. It has now been 10 years after the filing, and it has fallen off my record per Federal Law. They are still reporting the house was part of a bankruptcy. I tried to get a loan, and Select Portfolio told them either on the phone and/or submitted documentation to the loan agent, telling them that the home was part of a bankruptcy. I am FED UP of this misrepresentation and now they are not only misrepresenting me still, they refuse to change it and they are messing with my future..
I've been working with my mortgage servicing company asking them to offer the investor a negotiated settlement. I've written a few letters to the servicer, Ditech Financial sharing my rationale but Im told that as a matter of policy that's not shared. They, Ditech, simply make an offer to the investor and, neither negotiate in good faith on my behalf nor present my " side of the story '' as it were. Alas, I dont believe they are representing my interests. 
I'd covet help from the CFPB to have the servicer take a more active and productive in role in getting my offer - with supporting documentation - to the investor. 
Additionally, I've been asking for nearly a year to get all interest payment data and total progress on paying down my principal balance and Ditech has been generally unresponsive and what they've provided has been insufficient. So, here again Ditech Financial demonstrates a slowness to respond and is generally less that competent when they do. Frustrating.
Paypal / XXXX has accepted and listed my bitcoin products to be sold on their website on the XXXX/XXXX/XXXX. 
My item was listed as NON-REFUNDABLE as it is a digital currency, after being sent to the buyer, the transaction can not be cancelled/reversed. 

I listed for a total of XXXX $ in digital currency. 

Every buyer ( 6 in total ) contacted me personally by message on ebay to provide me with their Digital Wallet address ( like an email address, to send the digital product ). After getting confirmation of purchase from ebay, paypal and the buyer, I proceed to send the bitcoin. 

The next day, I received emails from paypal telling ALL ( clear pattern here ) buyer report an 'Unauthorized Transaction ' saying their accounts were hacked.
I am not responsible for ebay/paypal ( same company ) having their data leaked and making it possible for  hackers to scam and extort sellers like myself so easily. 

Paypal has closed my 'Dispute case ' in favor of the buyer. At this point I have lost my product, and they are asking me to refund them. In other words, I have lost XXXX $ worth at the moment of product, and now they are asking me XXXX $ to refund the buyers. 

It is a common discussion online that buyer are abusing XXXX/paypal policy on refunds in order to steal digital products. Buyers simply have to claim they have been hacked. This seems to be what is happening to me and my business. 

Paypal / XXXX is responsible for their security leaks, they market their products as 'PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account ' but clearly they are extorting buyers from their products and money in favor of hackers / scammers.
L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!
Received a couple calls from XXXX " Kirkland asset management '' stating that I defaulted on a payday loan through XXXX web loan. And if I dint call to resolve it they would seek other action. When you call the number they just answer " hello '' not a professional business type of greeting I would think you would get. After I told them I believed it was a scam they got rude with me a sent a letter " verifying '' my debt to my email when I said I had the right to receieve proof of debt owed. But when I called XXXX web loan they said it had been sold off to XXXX XXXX XXXX who when I called answered the same way hello and when I asked questions they were stumbling to give me a response. I do n't believe I have ever even taken a loan from them. I may have attempted to get a loan from XXXX web loan but when I was either denied or not offered the amount I needed I did n't follow through with the final stages of it
On XXXX/XXXX/16 I sent Chase a certified letter disputing accounts XXXX and XXXX. Chase received the letter as confirmed by signature on XXXX/XXXX/16. I repulled my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 to find Chase had not reported the accounts in dispute as required by the FCRA. Furthermore, I sent a second certified letter to Chase stating the same on XXXX/XXXX/16. I received a letter from them on XXXX/XXXX/16 stating they had no record of an account for me and to send my SSN. I did not reply to this letter as it is apparant they already have my SSN if they are reporting it to the credit bureaus and damaging my credit and name.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 120 days late as of XX/XX/2017 150 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Also all 3 credit bureaus have reported different months being late. This is not accurate and a violation of the FCRA
I have tried to work with Navient on several occasions to try to work out a payment that I can afford, each time I try to set up a payment schedule that I can afford, I get steered into the Income Driven Repayment Program. I was recently sent a notice that it is time for me to re-apply for my income driven repayment, I called Navient to speak with a representative and was told that I can not re-apply over the phone with a rep, that I could only apply online or by mail. I have tried several times to go online and re-apply for the program without success. To start with, the website had to approve my login information, which caused a delay, I have tried again to log in with no success due to the site being shut down for maintenance. I have also been harassed by phone by both the Federal and Private sides of Navient after telling them not to call me on my phone. I have told these people several times that I want to make payments on my loans if I can make a payment that I can afford, I have been told that I had to pay the unreal amount each month that they want me to pay or directed into a program with forbearance or income driven payments with a XXXX payment but the interest continues to accrue. I also attended a school that was recently closed due to over charging and scandals associated with it for predatory lending against it. I am also an XXXX Veteran. I have suffered major hits to my credit score from these loans and have accrued so much interest on them, that I may never be able to get straightened out so that I may be able to own a home or any other credit driven advances in my life. These people are crooks and should be dealt with accordingly.
CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA.
On XX/XX/XXXX a civil judgment was placed on my credit reports ( i.e. XXXX, XXXX and Transunion ). The judgment was placed by an unknown entity. The civil judgment was filed with XXXX Superior Court, Docket # XXXX on XX/XX/XXXX. Immediately my property management company, XXXX XXXX XXXX was notified once the derogatory appeared on my credit reports. Management instructed me to speak with their attorney since the rent balance had been paid prior to the judgment filing date. XXXX XXXX XXXX indicated that they would gladly file a judgment dismissal since the rent payment has been paid. Furthermore the law firm indicated that they did not report to the credit bureaus the judgment per XXXX XXXX. Additionally, in speaking with XXXX Superior Court I was informed the same which was this entity did not report to the bureaus. I initiated a credit dispute with all XXXX ( XXXX ) bureaus on XX/XX/XXXX. Followed by additional requests to specifically Transunion on the following dates due to no removal or any communications regarding these requests : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With the XX/XX/XXXX requests and XX/XX/XXXX request a copy of the Release of Judgment was provided however to date this removal request has not been honored. Today another request was entered with Transunion and I was instructed to fax the release to XXXX by XXXX, representative. I also inquired if XXXX could see all the prior requests in which he indicated no and instructed me to phone Transunion Interactive Department@XXXX. I have not phoned this department. I feel that there is violation of the FCRA resulting in my submission of this complaint to your entity. 
Thanks so much for your assistance. 
Very best always, XXXX XXXX XXXX @ XXXX XXXX
Capital One  did n't replying in a timely manner to my initial letter on   XXXX  , or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ]  As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX  &  XXXX  for not investigating nor responding to me as well, and taking no action when  Capital one  did not reply.
In 2012 I receiv ed a letter from IRS with some owe balance for a place I have work in the past year.Icall them right away to find out they ask me if I have work in that company and I did not recognize so they star an investigation at the same time they suggest me to check my credit report and I fund about  XXXX  accounts open with my information so I star working with the bureaus   XXXX   XXXX   help me lot but Experian Is been a bad experience because every time I called they ask me to mail the same documents over and over and made modifications but is not working I feel like bounce ball between Experian and This companies last time I spoke with experian They ask me to file a new police report with account information and this will remove everything from my file so I sent my FTC report Police report copies from IRS as a proof that I was victim of Identity thief, I need your help to get my relief in my credit situation Thanks for your time
I spoke to someone from this company a few weeks ago. They informed me there is a debt that is past the statute of limitations so they could not report to credit bureaus or file a XXXX, but that they were trying to pursue it. I told them that I do not recognize the debt and that I never received any paperwork regarding the issue. I gave them my address and told them I can not speak to them regarding the matter until I saw the details on paper. I never received anything from them through the mail, but they continually call my cell phone from different numbers.
FedLoan Servicing has mislead me during a transition from Income Based Repayment ( IBR ) to Revised Pay As You Earn ( REPAYE ) and on whether the Standard Repayment Plan payments made during the transition would count toward Public Service Loan Forgiveness ( PSLF ). Before the transition, FedLoan Servicing explained that these would count and I was not informed that any applicable terms and conditions on the Standard Repayment Plan option would prevent them from counting. I was informed of the terms and conditions within the transitional repayment plan ( payment amount for 309 months was {$590.00} and the payment for the final month was {$580.00} ). I asked FedLoan Servicing that by opting to a Standard Repayment Plan during the transition, regardless of the months specified, on whether those payments would count toward PSLF. And they explained that such payments would count. If this would not have been the case, I would have requested the Reduced Payment Forbearance. 

Here were the XXXX : XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) In addition, according to XXXX, " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. '' In my view, either these XXXX should count toward PSLF or I should be issued a refund. 

Can this please be looked into? 

Thank you.
My mortgage is with Sierra Pacific since XXXX XXXX. They have lost payments, misapplied payments and charged me late fees when they were n't due. I have called them and emailed them numerous times with NO response from anyone there and finally contacted the mortgage broker that handled my mortgage origination to see if he could help. He was assured by the company in his communication with them that the problems had been resolved but as of XXXX XXXX XXXX it has not.
I filed a dispute with XXXX and Experian to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. XXXX has decided not to remove the account from my report and dispute with Experian is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow. 

The dispute reference number for the XXXX dispute : XXXX
I recent disputed inquries on my credit report to Equifax due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Equifax XXXX.
For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.
I act as a closing agent. I remitted mortgage payoff funds to XXXX XXXX XXXX via overnight USPS. Funds were never cashed. XXXX transferred loan servicing to Nationstar Mortgage. Nationstar ultimately contacted borrower to advise of late payment on a loan that was believed to have been paid in full in preceding month. This resulted in me tendering a new, greater payoff amount to Nationstar. When attempting to contact XXXX, all calls roll-over to Nationstar. Customer service at Nationstar is nonexistent. I have a similar occurrence on another transaction.
My cash deposit of {$580.00} was shorted {$200.00} by bank of America. They continue to state they are not out of balance, that does not mean there was not another issue to offset mine. I have tired to work with them and they do not want to help me.
I live in Colorado. Someone stole my Dillard 's card and they sent me a letter telling me I owed him XXXX+ dollars. I called them and told them I live in Colorado and they told me the charges were made in Florida. I filed a dispute with them and sent me a letter saying that it was a valid charge. I phoned to ask why and they said of the XXXX signatures they have from me and the other that they are similar. After that they called to harass me to pay it at XXXX and XXXX. I have XXXX recorded voice mails they left at those times.
I paid off my CitiMortgage per their records on XX/XX/XXXX. They apparently waited to XX/XX/XXXX to forward to local county to have satisfied. I 'm told Citi used a 3rd party to do this. No one could tell me why it took a month to forward. I next called the County and they told me the docs were returned to the 3rd party on request of Citi. It is now XX/XX/XXXX - my 3rd phone call and I have NO documentation that it was satisfied. I paid all those fees. This is a big deal after so many years and I want my original mortgage and note - marked cancelled - which is a common practice. I worked in Mortgage Servicing for a LARGE bank for 10 years, I know this is something that can be done. They want to send me an email!! I want my original documents that we signed - we want to retire and I want to surprise my husband that it is paid off and have a party. This is not too much to ask after paying 30 years for a mortgage. Now it needs to be sent to another location and they wo n't even listen to me. Why do we pay all these fees for satisfaction and recording and we get nothing.
XXXX XXXX XXXX Assignee of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XX/XX/XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.
i have a credits cards debts that i paid off as agreed and the debts suppose to be erase after a months but until now, they still posting that as a bad debt
Im reaching out to the collection agency that I suppose to owe {$1000.00} to for a XXXX XXXX XXXX from college. However, Im being told to called the office in a week because the attorneys have to review it before giving me my information. 

I dont have weeks to continue waiting. Im in the process of closing a mortgage Loan with XXXX XXXXXXXX XXXX XXXX and the underwriter needs proof of this debt ASAP, but The Law Office of Mary Jane Elliott will not assist me. After  several attempts. 

And it has damaged my credit score/report. Somehow it recently popped up on my report
A check was deposited in my account the check was no good but money was withdrawaled. My account was closed over this by Early Warning Services LLC. This company wo n't take me off this kid so I can not  make a bank account anywhere.
On    XXXX   XXXX   XXXX   a  company by the name of  XXXX  was removed from my  XXXX  credit reports because they were coming after me for a collection on behalf of  XXXX   XXXX   XXXX  in the amount of {$520.00}. I have never had an account with  XXXX   XXXX   XXXX  and definitely have  zero plans of getting one.  As of    XXXX   XXXX   XXXX   I  noticed on my new  XXXX  and  XXXX   credit  reports that the company ERC  ( Enhanced Recovery Corp ) has reported false information on my credit report stating th at an account was opened with them    XXXX   XXXX   XXXX   in th e amount of {$520.00} original creditor  XXXX   XXXX   XXXX  and my payment status is a Collection/Charge-Off. Also the same company reported false information to my   XXXX   credit report as well stating I owe {$520.00} and the account was opened on    XXXX   XXXX   XXXX   a nd my payment status is Refinanced or Renewed. I have contacted the company via telephone numerous times and all of which I was informed it was a simple error and they would removed me out he system and update my reports, when asking for something in writing the cal some how always ends up getting transferred. I feel someone is playing and constantly using my information.
There was a court ordered stipulation that the bank is not following. I have been writing to get the account corrected since XX/XX/XXXX and yet they ignore my requests. XX/XX/XXXX, yes XX/XX/XXXX, I submitted another request to have them investigate. I just received yet another letter dated XX/XX/XXXX that they are still addressing my concern and conducting research, however I just received documents for pre-foreclosure. The bank has not properly serviced this loan and is in contempt of court. I need the account corrected to reflect the agreed terms and to cease their foreclosure action until they can update their records properly!
I deposited a check into my bank account on XX/XX/18 for {$3600.00} which is from my auto insurance company for damages to my vehicle. Initially it showed it would be available the next day shortly there after, I got an email that it was on hold until XX/XX/18. I need to get my car fixed and it should not take this long to verify funds for a this type of check from an insurance company. I spoke to a customer service rep on XX/XX/XXXX which she didn't give a clear answer on why the hold. And even if so, they should at least give the option to cancel the deposit so I could take it to the bank it is drawn off of and have the check cashed by them.
This week it was announced that Equifax allowed 144 million of its customers information to be accessed by criminals. Mine is apparently among that information. I have called No fewer than a dozen times to their information number and have yet to complete one of those calls. Incredibly, they simply hang up on you. They are apparently going to offer some credit protection scheme sometime in the future to protect the people who they 've compromised. I 'm wondering why this is n't being done immediately? I would like to file a complaint about this company and get some resolution on this problem.
I had an XXXX XXXX XXXX card. Somehow XXXX took over the card and my XXXX XXXX got transferred to them ever since XXXX I 've had issues logging on late fees and overlimit fees accrued and I cant seem to catch up on the card I called on XXXX/XXXX/2016 to ask for assistance since the payment never seems to go down and Im having financial difficulties since I got a big pay decrease at work. All they could offer was for me to just pay the minimum and keep accruing the late and over limit fee. They have no assistance in helping repay a card I do n't even want. I never had any issues with my XXXX XXXX XXXX