WillisBack/dataset-financial-user-claim huggingface dataset:
I received notice from Franklin Credit on my door on XXXX/XXXX/2016 that my home was going to be foreclosed on XXXX XXXX, 2016. I had received a letter dated XXXX/XXXX/2016 that i was awarded a repayment plan and had until XXXX/XXXX/16 to respond. I met with my HUD certified foreclosure counselor the day i received the letter and we found that my profit and loss statement that I submitted had income for one year but listed expenses only for one quarter which made my income seem much higher. We submitted a letter of appeal along with supporting bank statements to show that my income was not as high as they calculated. I called in to ask if they received the appeal on that was submitted via email on XXXX/XXXX/2016 the day i received the notice of sale and they said they had not. However I still had until XX/XX/XXXX to respond to their repayment plan. I re faxed the appeal that had been emailed and have not heard back. 

that they were foreclosing my property while my loan modification was in review. The sale date is scheduled for XXXX XXXX, 2016.
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being XXXX or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
XXXX sent this debt to Jefferson Capital Systems for collection. My father has the same name as me and I believe this may have been my father and mother 's issue. I have received multiple " settlement '' offer type letters and notifications. I explained to the collection agency that is is not my debt. I even offer to make a payment of {$150.00} to get rid of the debt and hopefully remove from my credit report. This has been going on for over two years now. I want this charge either removed or resolved and the item removed from my credit report from all known credit reporting agencies.
I 'm a victim of identity theft. The following XXXX credit card account is listed on my Trans Union, XXXX and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.
I made multiple purchases on several occasions in XXXX to a company called XXXX. They charged my bank international fees and every fee was drafted and paid correctly out of my Iberiabank account. Now 2 weeks later XXXX double charged me all those fees again for no reason ; I have not made any recent purchases. Because of this my bank account totaled {$640.00} in the negative. I called Iberia bank and asked why they allowed my account to be double charged and if they would demand the money back from XXXX that was stolen and they said it's not their fault and not their problem. They also said I would be charged {$35.00} per each debit that was overdrafted which now leaves me over {$1000.00} in the negative. I have bills that I desperately need to pay and I can not because my account is so far in the negative. I can not pay for the money that was stolen by XXXX and I don't believe I should have to. My bank should have stopped all the charges because I don't even have overdraft protection.
My bank account was closed with no notification or no explanation as to why it was closed and it was a day after I misplaced my debit card. I was told I can not open a new account with said bank and the bank can no longer do business with me after an account review
I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with XXXX-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the XXXX site last night, I could not log in, I went to US Bank, " no  information is available at this time ''. I am sick to my stomach as what has happened?
This account was removed from all XXXX reporting agencies by your agency help me in the pass. and every year its put on my credit report every year and it has been removed 3 times
Portfolio Recovery Service Inc. LLCcontacted my wife who is not the main person that owes the debt and divulged to her that I had an outstanding cell phone bill that needed to be resolved. 
Attempted to collect debts that are well beyond the relevant statute of limitations. 
Refused to provide proof of the debt when requested to do so, and continuing collection efforts
I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.
This is a complaint from XXXX XXXX against Client Services for Client Service 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
XXXX XXXX listed his property for sale on XX/XX/XXXX. An offer was received on XX/XX/XXXX in the amount of {$330000.00} from a well-qualified buyer. The offer received is sufficient to pay the XXXX and XXXX mortgages off entirely. A short sale would not be necessary and we are not requesting that the bank waive any resulting deficiency as all will be paid off through this transaction. 

A foreclosure sale date has been scheduled for XX/XX/XXXX and, in all of the borrower 's ( XXXX ) discussions with Ocwen, they will not agree to postpone in order for us to close on this transaction. XXXX has been working with Ocwen asking them for a postponement so that he can complete the sale of his property and they will not postpone. It is in Ocwen 's best interest, as well as their investor 's to postpone this sale and receive a full payoff on the note. 

Furthermore, XXXX performed XXXX military service in the XXXX during XX/XX/XXXX, thereby affording him protection under Servicemembers Civil Relief Act ( SCRA ). As you should be aware, real property owned by a service member before military service that is secured by a mortgage or deed of trust can not be foreclosed upon, sold, or seized during the period of XXXX or up to XXXX months after service without acourt order or the written agreement of the service member. Compliance with this law ismandatory. Failure to comply with this requirement voids the sale or foreclosure and maysubject a creditor to sanctions.
I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED.
I was paying on a payday loan from Approved Cash the best I could. I had yet to pay this month 's payment. I was waiting on my money to come in. I had told them that I would pay this month. I had not paid on the third, yet told them it would be after the third before I would pay. I received a voicemail on my phone saying if I did not pay it now she would charge me with fraud. She said that she would call the police and have me arrested that day. I ended up having to borrow the money from my mother to pay the loan off. I went to another store to pay and was told that she should have not left that message. I was afraid to call or contact her store even to tell her it was paid. I was afraid that even when I paid it off that she would have me arrested.
AD Astra is a ttempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt . I sent Ad Astra a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XXXX / XXXX /   2017  asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
Back in XXXX 2007 I disputed a Tax Lien on my report. Trans Union investigated and removed the incorrect data. Despite verification from the Court that this lien was " EXPENGED '' it has not re-appeared on my credit report as " satisfied or paid. '' which is INACCURATE, FALSE and FRAUDULENT.
For years, I 've been trying to get XXXX/Navient to reduce the interest rate I was paying on my school-related student loans based on my XXXX XXXX military status. For years they refused. Finally, when they were forced to reduce my interest rate they credited my account for several thousand dollars based on the overpayments I made for their usurious interest rates over and above Service members Credit Relief Act limits. They also issued me a tax form, claiming that I had the amount credited toward my student loans by Navient as income. Since that money was overpaid I do not see how that counts as income. Please advise. Thank you.
In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.
I made a payment to Citibank in the amount of {$400.00} on XX/XX/XXXX through my bank. Citi is claiming they did not receive {$400.00} instead they are claiming they received {$74.00} on XX/XX/XXXX, which I did not make. I contacted my bank and they confirmed that a payment of {$400.00} was sent to Citi and a payment of {$74.00} was never made. I spoke to 7 different representatives at Citi each telling me that I did not make the {$400.00} payment. Each time they said they could not help me and transferred me to someone new only to be hung up on and placed and left on hold. No one seems to want to help me resolve this. I cant even go online to get a copy of my statement or history so I can ensure that I am being charged correctly. I received a letter stating my account is delinquent but I ca n't get any one to help me resolve this to put my account back in good standing. I do n't want to make any payments to them if they are not recording them correctly.
My student loan has been transferred from XXXX to Firstmark Services ( web-site below ) http : //firstmarkservices.com/ Firstmark is telling me I am not able to make payments via wire transfer from XXXX bank, via online using Debit/Credit card or paypal because I am based outside of US ( currently live in XXXX ). They also tell me I am not able to make payment via phone because my due date on the loan is so far into the future. They can accept payments via phone only if amount is due this month. However, none of this was specified in the original loan documents as my loan can be pre-paid at any moment. Previously I was making my payments via paypal to XXXX before XXXX transferred the loan. 
They also told me they are not accepting payments online and wire transfers on purpose, thereby making it more difficult for me to be able to repay my loan. This situation is surreal, one would think that if I want to make payments, they should be able to take my money.
Tried multi computer, differenet browers, different settings over many weeks but always get this message from Experian. 
A condition exists that prevents Experian from being able to accept your request at this time
AFNI threatened me, stating that if I did not pay {$400.00} that a judgement against me would result in my license being suspended.
I have received repeated threats of arrest, and/or seizure from the law firm of Linebarger Goggan Blair & Sampson. The debt, and legal proceeding in question, has been adjudicated over a year ago. The legal proceeding was a civil matter, yet this debt collector had repeatedly threatened and harassed me with vague collection notices, the most recent of which contained a threat that a warrant was issued for my arrest and that I would need to pay the agency in order to rescind the warrant and avoid being arrested by the police at any time. Law enforcement shows no such warrant exists ; furthermore, at the advice of counsel, this matter is not one in which would/could result in arrest regardless ( civil matter ). A quick search online shows this organization is a repeat offender and has used shady tactics to collect debts in the past. Requests to cease communication have been met with hostility and have gone unheeded.
XXXX   XXXX   XXXX   (    XXXX   #  XXXX  ) from  Eagle Creek  Mortgage provided an refi-estimate that his company will provide a credit for the outstanding balance of the point amount that the financial institution (   XXXX   XXXX   ) is charging me. However,  XXXX   XXXX  will not include this credit in the loan estimate  ( LE )  because he claims that the  LE  does n't allow a space to provide the credit. See exact communication from  XXXX  email "  XXXX   XXXX  & lt ;  XXXX  XXXX  XXXX  & gt ;  XXXX   XXXX  (  XXXX  days ago ) to me The reason is simply that we can not put anything on the FEDERAL LOAN documents unless the document allows for a space to do that & since the LE is a Federal document we can not alter the document..  <P/>  XXXX   XXXX   XXXX   XXXX  #  XXXX  ) '' I asked for  XXXX   XXXX  to document this credit either in the  LE  or provide a promissory note that he will honor this credit.  XXXX   XXXX  only provided a refund letter unsigned but he would n't include this credit in the loan estimate or provide a promissory note. After my repeated requests for either of those changes, he closed my file with   XXXX   XXXX   This was a complete waste of time especially since I have a  XXXX  day window to get refinance because of my divorce terms.
XXXX , XXXX XXXX XXXX , XXXX XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of Citibank for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the State of XXXX Superior Court. They are attempting to re-age a debt that is over seven years old, and Citibank had already sued me in 2008 in the XXXX ( XXXX ) Superior Court.
I 've used the same AT & T Universal credit card for 15 years. Nine years ago, I was late on a couple of payments due to financial hardship caused when my ex-wife left me. As a result, the credit card company raised the interest rate to 29.99 %. I have since paid faithfully on time each month, and have patiently petitioned them to reduce my interest rate which, of course, they are unwilling to do. 

I complained to CFPB back in XX/XX/XXXX, and the credit card company temporarily reduced my rate to 21 % until XXXX. My rate is now back to 29.99 %. Today I requested a lower rate and was given the same old song and dance : " call us back in 6 months and we 'll see. '' Please help me.
I have been a member of Chase Bank since XXXX without any issues. I started noticing about XXXX of XXXX, my checking, savings and credit card accounts were incorrect. First problem that I reported was a prepaid Chase XXXX card was also on my account.I called Chase and they indicated there was not any transactions. I changed my online password and debit card pin. I noticed fraud on my account again. Credit card and bank account were both charging me for a transaction that I would use on my debit card. I reported it. I closed down my accounts and gave the cards to the VP at the branch. I disputed the charges first on my debit and the fraudulent credit card accounts with their fraud department. I spoke with Chase bank last week and they just now located a XXXX payment that never got applied in XXXX of XXXX plus other payments that I made until XXXX. They indicated I was responsible for the charges on both credit cards which were the same amount and transaction since I made a XXXX payment in XXXX, which I did not. I had already reported the fraud and was only using cash. Chase bank also indicated that they have no record of me speaking with their fraud department which I have letters from that department on the credit card issues and the debit card account plus my savings account. They asked me to send the paperwork but I received the bank statements from them and they can call the chip program to see all the charges. They also told me I couldn't get another credit card and come to find out they reissued another card which I don't have with the same charges. While doing more research I noticed my credit card was hooked up to an XXXX XXXX card which I do not have nor have I ever owed an XXXX XXXX card. I have a retirement accounts there which I was never told about. I am now in the process of researching them to see if any of my retirement accounts have been cashed without my consent.
Wells Fargo bait and switch scam. 

They offer a {$400.00} checking bonus on their website XXXX XXXX   XXXX And then are declining customers with perfectly good credit. They declined me and sent me a deceptive email requesting that I can not open the account online, yet IMPLY that I can still get the {$400.00} bonus by simply presenting identification inside a branch. 

***The branch has no ability to complete the process that was offered by the Wells Fargo Online Department XXXX That is clearly deceptive. XXXX The branch then attempts to call the online department for verification. The online department redirects the branch to call the sales department, and the sales department redirects the branch to call the online department in circular fashion so the issue never gets resolved! 

This is a bait and switch because when you apply, you will automatically be decline after 24 hours no matter what you do. They deceptively told me to " unfreeze '' all my credit bureaus, and after doing so I still got declined! I have perfect credit and they simply want me to open an Everyday Checking account with no bonus in the branch, after initially attracting me with a {$400.00} offer online that they have no intention of fulfilling.
I settled an account with XXXX 8 years ago and it is still coming up as negative on my credit report. What can I do to have this removed?
I was a recipient of a lawsuit against Navient for overcharging veterans interest, which was settled in 2015 with Navient being at fault. The settlement was given directly to Navient. I was in no way informed by Navient. The balance in the amount of approx {$35000.00} was not updated on my account and I was not notified by mail or email or telephone. I was not aware of the lawsuit until the IRS informed me that I owed back taxes in the amount of approx. {$11000.00}, which I am being charged penalties on in excess of my monthly payment. It was a difficult and confusing process to get the information from Navient customer service. They were finally able to locate the sum, but the records available still leave me confused.
My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ). 
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). 

My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is? 
I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this? 

If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. 

Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? 

Until further notice please do not contact me via mail or phone. 

I thank you kindly for your time and patience in regards to receiving and reading this letter!