WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted by Diversified Consultants , Inc, XXXX XXXX at XXXX regarding an outstanding balance from XXXX XXXX XXXX. XXXX specifically communicated by our arrangement to settle the debt that XXXX XXXX XXXX would restore my account to good standing so I could restore any services with them nor require additional payment and no further collection or issues would exist. Well, that 's not the case. XXXX is not back tracking after I contacted her XXXX/XXXX/16 stating if XXXX XXXX XXXX wants to continue to collect the difference of the settlement or {$180.00} that is their prerogative. In addition to XXXX XXXX XXXX not allowing any new services they have now hired a new collector, XXXX XXXX XXXX , XXXX at XXXX. I have since spoke to XXXX 's manager, XXXX XXXX at XXXX who is stating XXXX XXXX XXXX can continue to collect. I explained to XXXX he then needs to pull the recorded conversation on file to validate my inquiry as valid and conclude I was mislead or lied to by XXXX. Having XXXX XXXX XXXX restore my account to good standing with no further payment was the reason I agreed to the arrangement and now it 's the one thing not happening not to mention more collection notices from the new Collection Agency.
I never have account with this company which XXXX XXXX XXXX XXXX Attorney freezing my bank account in XXXX XXXX. It happened also in 2009 when this same attorney freezed my bank account in different banks. After I filed complaint to the Office of Comptroller of Currency, he released all accounts. Even he knows that this is not my account but still he giving me trouble to freezing my bank account.
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : Nationstar Mortgage XXXX ( XXXX ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
I mailed a letter to LendKey on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.
The company has placed a collection entry on my credit report. I don't know what the debt is and they never notified me in advance so that I could request account level documentation that it belongs to me.
I noticed in late XX/XX/XXXX early XX/XX/XXXX a charge for {$420.00} on my account that I thought was a billing error since on or about XX/XX/XXXX I ordered something for {$420.00} from the exact same company. I contacted the credit card company immediately and they told me it was actually another charge, I explained I did not order anything else and disputed the charge. I called back to follow up after the 30 days and was told they credited my account already, I never heard another word until I noticed on my XX/XX/XXXX statement without a letter email any notification that they had charged the {$420.00} back to my account, I again called immediately XX/XX/XXXX when I seen it and spent exactly 1 hour and 5 minutes on the phone after my 3rd transfer with no answers I got someone in the fraud department who also didn't know anything but said he would dispute it again, however 2 days later I got a letter stating I was responsible for the charge with no explanation as to why, I then called again XX/XX/XXXX when I got the letter no one was able to help me and said the investigation was over and I will have to pay for it, but they had no further information as to how the decision was made, I asked for all the documentation on the charge they told me to contact the company that company that charged it on my card, I said I did that but since I had NO information for them to locate the order ( since it wasn't me ) like who ordered it when what it was the name address phone number used they were not able to help me that is when I assumed my cc company would HELP me their customer but I was apparently wrong!
Fast history on me. My mortgage is current and has n't been in default for some time now. My property taxes are current. My property insurance is current. My original lender was XXXX XXXX XXXX. Several years back when the economy crashed, my wife 's employer abruptly discontinued their weekend package pay. At the same time, my employer eliminated our department bonuses. This hit us extremely hard and we were unable to pay our property taxes. XXXX stepped in and paid those for us ( {$7500.00} ) because our loan did n't include escrow payments for property taxes. They told us that amount would be interest free and just added to the end of the loan, which they honored. Last year our mortgage was sold to XXXX XXXX XXXX. They told me they would not be pursuing collection of this amount due to my original arrangement with XXXX. Then once again, my mortgage was sold to Select Portfolio Servicing ( SPS ). I 've made several payments to them, on time and in full, but I 'm guessing since I 'm making my payments on time, they are attempting to collect that {$7500.00} in hopes I ca n't afford it and then they can foreclose. Let 's all be realistic and honest here, there 's no other reason for them to be taking this action. I CA N'T control my mortgage being sold. As a homeowner, I have no options to say, no. From everything I 've read online about my rights during a mortgage transfer and based upon what XXXX told me, I do n't believe they have the right to pursue collecting this money right now. The original arrangement was to pay it by the end of the loan. I spoke with XXXX XXXX at SPS on XXXX17 at XXXX XXXX CST. She informed me she would put in a request to try and move the collection to a 60 month term, but that does n't change the fact that I do n't understand how they can pursue this money when my original lender and even the second one both told me it would be kept at the end of the loan. I made an arrangement in good faith and I 've kept my end of the deal by making my payments on time and keeping my property taxes current. SPS should do the same.
I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my TransUnion, XXXX and XXXX  reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Debt CollectionMy sister sent me a recorded message from a XXXX XXXX that threatened to serve her court papers at her home or job regarding allegations against XXXX XXXX for issuing worthless checks. I call the number, the representative answer the phone and she immediately asked me the name of my attorney and the attorney 's phone number. I attempted to request information on what the debt was for. The Rep said it was for finance charges for a payday loan. The debt was for Finance Charges for an online loan taken out in XXXX 2011, and that the company was fully prepared to press charges to the fullest extent of the law with Felony Theft Charges if the debt was not resolved. I asked what company and she said XXXX XXXX. She offered me a deal to pay that day but I explained that I had no money and an eviction notice in my apt . I offered to set up an auto payment for XXXX XXXX, since XXXX that elect XXXX pays get a lump sum on that day. She told me to call back. When I called back she said the company said no. They wanted the money right then and will press charges for Felony Theft to the fullest extent and Fake check writing charges which could have fines in the XXXX of dollars and up to 10 years in prison. They would send that info to the circuit courts and I would have a warrant issued. 
She said the sent letters and emails notifying me of this situation. The letters were sent to and old address XXXX XXXX XXXX XXXX, FL XXXX. I told her that I have not been at that address for years. She said Check you email. I explained to her that I had and I did n't find anything. I then requested some kind of documentation of the debt. I said, " would you please send me a copy of the debt? '' She said, No they wo n't cuz that would give me another 90 days and the company is prepared to file charges. If I could at XXXX. That day they would press charges for over XXXX in finance charges. I then requested a web address and account number so that I could at least look up the debt. She said, " no they did n't have XXXX because they are working for the attorney office. " I then asked if she be able to send it to my phone via text. She said, No, that they would not send anything. That I just needed to pAy the debt. I asked her if there was anyway I could verify the debt and that I am not refusing to pay it if I owe but I need to make a payment setup plan and I needed to make sure the debt was legitimate. She said no that they would n't send me anything. I then told her that I would have to get back to her. 

XXXX We received Arrest warrant against your name under ACT XXXX ACT XXXX ACT XXXXKindly call as soon as possible before the case is downloaded into the court XXXX order to get brief information about the case before you have any trouble atyour home or job. 
XXXX XXXX # XXXX XXXX
Toyota financial services is calling me every single hour during collection hours XXXX I am getting upwards of 7 calls per day during business hours from this company to collect on my car payment. I answer, and say I will call back once I am off, and they still continue to call daily. I consider this harassment, and it is making it hard to handle day to day activities with calls all day from them.
Nation Start Mortgage ( NMLS : #   XXXX   ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued  the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of  XXXX  issued in  XXXX  o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make  payment, via conversations, however the check has never been received.
I have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to Equifax, and XXXX several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including Navient to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show. 

Please remove these late payments off my credit report from navient. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I am attaching proof of this as well. Thanks again
I have been dealing w/Equifax,  XXXX  and  XXXX  for the last six months regarding four accounts that are presently on my credit report. I have provided information to Equifax which advises me that they obtain their information from a third party agency. I obtained the third party division that that Equifax,  XXXX  and   XXXX   advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however Equifax.  XXXX ,  XXXX  continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.
I was contacted by a representative of Stallings Financial Group out of XXXX, GA on XXXX/XXXX/2015. I was contacted by XXXX and he did not verify that he was speaking w/ me, nor did he give the mini miranda. They also disclosed all personal information to my sister who is NOT authorized on any of my accounts and now I am totally distraught. I had my husband to call them today ( XXXX/XXXX/2015 ) b/c he is in the collections industry and they were very belligerent and used condescending tones toward him when he tried to help me to resolve the issue in a professional manner. I have also made a complaint to the Georgia Governor 's Office of Consumer Protection and to the Federal Trade Commission as well. My husband also contacted the principal owner of the company who is XXXX XXXX or XXXX XXXX. I do n't know exactly which name she goes by at this time however we tried to make a valiant effort in taking care of this matter rationally to no avail. Also I left a message for her attorney which is XXXX XXXX XXXX and he is listed as the registered agent for Stallings Financial Group. I left a message w/ his secretary who said he will not be back in his office until tomorrow ( XXXX/XXXX/2015 ).
Chase closed down by business account and reduced my credit line almost to zero a few years ago. The notice was fairly short and had no explanation on why they wanted to end our relationship. The branch manager at the time told me he could n't find out why I was closed. My business was doing fairly well at the time and the abrupt closure cost me a few XXXX for changing banks. I recently tried to apply to a Chase XXXX Rewards Card and the credit analyst told me he could n't proceed because I have a " Negative/derogatory previous relationship with Chase ''. While surfing the internet, I read that this is a type of blacklisting that occurs in Chase. Not sure why my business relationship has anything to do with my personal credit card relationships. I also have a mortgage with Chase that 's in good standing for over 11 years. I would like to be removed from this black list as this does n't seem like a legitimate business tactic. Thank you
As a married couple we own real estate of over XXXX Million in value, many of them are free and clear, but our credit report shows a credit limit of only {$420000.00}. Our current primary residence is valued by XXXX at {$460000.00} to {$490000.00}. We own a rented commercial Condo that is appraised at {$200000.00} and a single family home on 26 acres that is valued at {$270000.00}. These are the 3 properties that are financed. We also have approximately {$43000.00} in Credit Card balance. Due to the incorrect credit limit our debt to asset ration is about 70 %. that makes it very difficult to refinance. What do we have to do to correct the credit limit on our reports? Thanks for your service XXXX XXXX
i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.
XXXX XXXX accepted my credit during the holiday season and I opened a credit card with them. 

I paid my credit card on time and the card was current. 

They closed the card because they " re-reviewed '' my application 6 months later and decided to close my account. 

My credit had actually been higher, and by them closing it for no real reason they now lowered my credit score.
Hello my I recently got approved by Chase Sapphire preferred Thursday XX/XX/XXXX I was instantly approved for XXXX credit limit I was in the process of moving and called them that same night to update my new address I 'm moving to, to have my card sent there I passed all the verifications and I got the rush delivery so my card arrived Monday XX/XX/XXXX once I got my card I called to activate it and was sent to the fraud department I passed the identificafion verification and my account was off hold and my card was activated by the specialist who also told me I would n't have to worry about any issues or my account being on hold again so today XX/XX/XXXX I tried to use my card at the ATM and was declined I called chase again and they said my account was on hold again I passed the  verification process once again and they said they could n't access my account but gave me a number to call XXXX I called it and she said my account was under periodic credit review I did nothing to trigger it and I verified who I was now I can not use my card that I was approved for and was told to wait 7-10 business days till they pull my reports and I have been trying to build my credit so on the day of XX/XX/XXXX I got approved for an XXXX card for XXXX credit limit and a XXXX XXXX visa for XXXX and 2 other inquiries that day
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NJ XXXX Phone # XXXX paid the taxes on the wrong property i have been dealing with them for almost 3 months i have showed them the correct tax documents from XXXX county tax office. Every time i call i get a different answer and they tell me they are trying to get it all straight. But the tax office told me that they still have not received a request for a refund and no attempt has been made to pay the correct tax. They paid taxes on XXXX county tax account Number : XXXX, in the amount of {$1100.00} when they should have paid the taxes on Account Number : XXXX in the amount of {$24.00}. as you can see that is a big difference. They paid the taxes correct on my house but not on the lot beside it. And now the county is telling me that if they do not request a refund by XX/XX/XXXX the first they that the county will not refund the money. Can someone please help me. I just want them to get my money back and correct there mistake. and fix my account they raised my house payment because they paid the wrong taxes and think that that 's what my yearly taxes are.
I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.