WillisBack/dataset-financial-user-claim huggingface dataset:
A short sale transaction was submitted to XXXX XXXX/XXXX/XXXX. This was a complete file. By XXXX XXXX, XXXX we found out that PNC had ordered XXXX appraisals and each were coming in around {$130000.00}. We received the attached denial letter in the mail. Stating the offer did n't meet the required NET. We were short by {$6500.00}. It took 2 months to reach this point. We were not countered, when the file was closed and PNC responded that USDA does n't allow counters. In discussing this with USDA they stated on XXXX/XXXX/XXXX that it was not true and in fact PNC makes that determination. So we countered the buyers and submitted the offer at {$120000.00} which was the required offer price. By XXXX/XXXX/XXXX we refaxed the completed short sale package, by XXXX/XXXX/XXXX were were notified the file was submitted to the investor for approval. 

On XXXX we were notified that the loss mitigation file was being closed out because the guarantor ( USDA ) was taking too long to issue their decision of approval or denial. She stated, however, that the file would be reopened once a decision was rendered. 2 days later we were advised that the file would be reopened only if USDA 's response was received prior to XXXX/XXXX/XXXX. If it 's not, then the file will be removed from loss mitigation permanently. We then opened a CFPB complaint over this case # XXXX inquiry ID on PNC end was XXXX. We never received any follow up on this matter. 

Buyers walked on XXXX tired of waiting. 

New offer was then signed on XXXX complete offer and full SSdocs submitted to PNC on XXXX. Today we called and were told the file was closed because of a " churn '' Policy which apparently means you can only apply for assistance so many times. 

First of all the borrowers only have applied 1 time for assistance. PNC is all its ignorance are the ones that closed this file and offer out not once but XXXX different times and the last 3 times had nothing to do with what the guarantee wanted nor what USDA guidelines state. I will be in fact bringing this story to our attorney general and and the media if this is not investigate immediately. This is unacceptable on multiple fronts. This seller fell into hardship when he was XXXX to XXXX in XXXX. This is completely unacceptable on so many fronts. He has been trying to work with PNC for a year and all your company has done is find excuses to close his file over and over again.
Disputes on this card not resolved by the bank for over 12 months and very poor communication. 

XXXX XXXX XXXX staff are useless and please close this card and issue me a full refund on credit balance and disputes
More than 2 month already passed after you said you sent to my address the proof of validation I requested from you. As today XXXX2018 I haven't received such as proof. 

This letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA. 
Not only have you ignored my prior requests for validation of debt. but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -A complete detailed history of all transactions ( including payments, credits, returns, etc ) -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 

If you send it, I want tracking number of the mail, or any kind of tracking.
when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult.
It is Experian 's policy, after you have received a response from the creditor and they deem the information accurate you are not allowed to res dispute the information without additional information. The online system refuses to accept a new dispute and the upload system denies your ability to upload documentation. 
As a result of the recent case in Federal Bankruptcy Court in XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove inaccurate items from credit reports. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' I am requesting Experian to immediately remove these items from my report by directly disputing them, however they have refused me access to their dispute system. This information has impacted me negatively and caused me to be denied credit. The information has been corrected on the other XXXX credit reporting agencies but Experian by denying me access has prevented me from corrected it on their system.
In XXXX Ocwen Loan Servicing used its cozy relationship with failing Homeward Residential and American Home Mortgage to phony up a pretender XXXX beneficiary lawsuit to rip off my home I own free and clear. In XXXX Ocwen Loan Servicing used robo-lawyer " XXXX '' who is scum of the planet, who only followed Ocwen Loan Servicing scumbags mentally sick litigation lawyers instructions, foaming out of the mouth like a bunch of XXXX freaks on steroids, committed XXXX phony lawsuit fraud which has caused me and my family serious harm during the time I was hospitalized with XXXX. Ocwen Loan Servicing / XXXX / American Home Mortgage / Homeward Residential all have slandered my title using fraud. XXXX, I retained another incompetent lawyer who filed lawsuit against Ocwen Loan Servicing. Ocwen Loan Servicing scums offered me a {$660000.00} loan modification in agreement I dismiss the pending action and keep Ocwen 's fraud cover-ups a big hush hush. At that time the trustee sale was already cancelled so I did n't submit and bend over to scum Ocwen demands, I declined the offer. I do n't owe XXXX Ocwen a single penny. XXXX I retained another incompetent lawyer who filed another lawsuit, during pending litigation Ocwen attempted to push through another XXXX fraudulent trustee sale. My incompetent lawyer appeared before the court to stop Ocwen Loan Servicing fraudulent foreclosure and its cozy buddy XXXX fraudulent trustee sale. My motion was denied because my incompetent lawyer did n't follow the rules of the court and did n't serve all the defendants properly. I fired my lawyer, then I was in pro-per repersenting myself with little money left. Ocwen Loan Servicing used my health troubles and having little money left as another weapon to take advantage of me. During the time I was representing myself in pro-per Ocwen Loan Servicing, its cozy buddy Altisource, and its XXXX lawyer " XXXX '' all took advantage of my XXXX and then increased the fraudulent loan modification offer to {$750000.00} with a higher interest rate, then made threats that if I did n't sign the final none negotiable {$750000.00} loan modification offer Ocwen Loan Servicing would instruct its buddy XXXX to proceed with the fraudulent trustee sale and I would of lost my home I own free and clear for years. I have XXXX so hard for me to fight a bunch of XXXX. I was forced to sign the fraudulent {$750000.00} loan modification offer under over the top stress fearing for little son living in the streets while Ocwen XXXX fly around in private jets, probably hanging of with XXXX best friend who owns a island and a private jet? The XXXX all need to be brought down, and they will. Recently, Ocwen Loan Servicing used robo-employee " XXXX '' only following Ocwen XXXX litigation lawyers instruction, she continues to harass me and cover up Ocwen intentional fraud against me. I do not owe Ocwen a single penny. I will be retaining attorney XXXX out of XXXX sometime around XXXX, when my Investigators all complete its final case. You Ocwen XXXX better leave me the XXXX alone!
XXXX  and XXXX are reporting incorrectly that I am 120 days past due on several student loans with Navient that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
JPL Recovery Solutions is a debt collector that has been calling my work at different clinics locations, family members, friends, and previous housemates claiming they are " doing research '' on myself. They have contacted family members several times and over the last week they have contacted my job three times ( XXXX ). I requested that they do not contact my work as they have my personal line, they stated the calls will not stop and they will continue to call me at work because they will be garnishing my wages, although I have not received any details of a lawsuit for garnishment of my wages. I requested that they send me the details of the debt they are attempting to collect to my address, and the representative took down my address and said they will be sending me details of the wage garnishment to my address at work, instead of my home address and hung up the phone before I could decline. Their calls are very harassing and disruptive of my work place. They have also given me various amounts of the debt I owe from {$18000.00}, {$16000.00}, {$4500.00}. I have spoken to XXXX at least XXXXhree times as well as two different supervisors. They have been rude to other employees I work with who have answered their telephone calls. I have no written documentation of these amounts despite requesting a letter confirming they are a legitimate debt collector or representative of the company that I owe.
US Bank refuses to provide me with proof of the XXXX XXXX property taxes they are trying to assess against me. The tax office says this VIN was not included in US Bank 's fleet bill. I 've disputed the amount with USBank and have requested proof of the amount owed. They refuse to provide yet continue to send demand notices. The contract states " You agree to pay all title, registration, license, inspection, testing, and other fees taxes and charges imposed by government authorities in connnection with the Vehicle, this Lease or any amounts due or payable arising from this Lease. '' If the City says my VIN was not included in the fleet bill to USBank and USBank has n't shown me where " charges were imposed '' then the amount of {$420.00} needs to be deducted.
I was working out a loan modification with specialized loan servicing.Who was given the loan by XXXX.The amount that i owed was XXXX whenI received the paperwork the amount of XXXX I called them and they said mail in the statement from XXXX which i did the amount was never corrected by them.I have been paying my new mortgage amount on time every month.Can they legally just charge me for something i do n't owe? Do I have to get an attorney or who can get to help me with this situation.I am not sure who i can turn to at this point.
XXXX  collections on my report are wrong and should never have been put on in the first place!  1 ) Sent Senex  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  Senex refuses to verify this info with   XXXX   XXXX   XXXX   ( I  do n't know about  XXXX  ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
Im a XXXX who attend the school in XXXX. I used my XXXX  XXXX XXXX  XXXX with all my expenses covered through it yet somehow I have an outstanding XXXX loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the XXXX XXXX works. Please help.
In XX/XX/XXXX, I was told that I had completed my rehab by a representative at American Student Assistance or it's representative. 

I documented the balance due and date. It's below. I waited and called a while after and was told that the loan was sent to XXXX XXXX and the amount was about $ 58K and that I was not out of rehab. I called onXX/XX/XXXX and was told I need to start over my rehab since I asked for proof of amount. They added {$8000.00} to my loan when it was transferred which is what I complained about in XX/XX/XXXX. 

I want help with getting the phone records from my conversation in XXXX. I called on XX/XX/XXXX again and got got a supervisor named XXXX XXXX. ( XXXX XXXX - XXXX ) She says she will find out who the original college rehab was through. I plan to then ask that provider to review the phone call record from the data below where my balance was given and get my rehab payment record. 

I need help to make sure this happens as when I call XXXX XXXX, they tell me I need to restart the nine months over again. 

Monday, XX/XX/XXXX XXXX PM I am to receive letter or email Rehab is done Loan will be in good standard Agency Relations - XXXX Option 2 ASA is the Guarantor of the loan Balance {$49000.00}
I currently have a debt which is n't in my name and it is now adversely affecting m y credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I may have a fair and equal opportunity to purchase my first home, you 're my only hope ...
Ally Financial repossessed my vehicle on XXXX XXXX, 2016, unlawfully according to the XXXX of Virginia Law Code : Chapter 22, 6.2-2217. The vehicle that was repossessed was eventually sold by Ally Financial and after receiving a letter from them requesting payment for the deficiency, I responded with a request asking for proof of documentation including titling regarding the sale of vehicle, notice of default and notice of acceleration as is required by law under the XXXX of Virginia. I requested for any attempts to collect on this debt and any negative reporting to the credit reporting agencies be stopped until debt could be verified. Ally Financial responded with nothing but the same letter of how the deficiency was calculated and no other documents proving the repossession was lawful. However, Ally Financial continues to attempt collections as well as continued negative reporting to the credit reporting agencies. I have had two collection agencies in less than a year attempt to collect on this debt.
I have called Nationstar Mortgage multiple times to the so called 'reserve ' requirement removed from my monthly mortgage payment. They try to tell me that it 's a 'federal ' law ; sorry, it is not a federal law - it 's their company adding almost {$500.00} on my payments per year. Which I would be getting back at the end of the year because there will be an overage in my escrow account.
I have a credit card with Bank of America. I opened the credit card with an introductory 0 % APR on purchases. I set up automatic payments on the card when I initially got it in early XXXX. I held a balance on it for a short time and than paid it off in mid XXXX, then did not use it for several months. In late XXXX I charged the card a couple times, and I had not removed automatic payments. I assumed the card would be paid with auto pay but then I got a call from BOA on XX/XX/XXXX saying they needed to collect a debt. I stated the auto pay should be in place and their response was that if the card has a XXXX balance for some undetermined amount of time then auto pay MIGHT not continue. I took care of the debt but I do not think this should count against me as a late payment. Hopefully this can be resolved. Thanks.
TD Bank does not allow access to my banking information from 3rd party investment apps making it difficult for me to invest my money with companies like XXXX or XXXX.
Zwicker and Associates checked my credit report twice. Once in XX/XX/XXXX and XX/XX/XXXX. My account allegedly defaulted in XX/XX/XXXX ; therefore, Zwicker did not have any reason to check my account in XX/XX/XXXX. I find it was not a permissible reason to check it in XX/XX/XXXX.
There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with XXXX  to do so. I always have a problem viewing my credit report with them
my mortgage holder people wanted me to give them illegal information on mt tenants rental application & rental agreement and I told them that I was not to jail for them because that is against the law and they called me and told they ca n't complete my modification with those XXXX items. so here we are.
XXXX sold my loans to AES. I have tried contacting them for months about making payments ( I ca n't log into the website ). They keep sending me bills each month with hundreds of dollars of accrued interest yet I am unable to make payments on their site. I 've payed thousands on the principle with XXXX yet the balance is higher then it was with XXXX, which makes no sense. I have never missed a payment, in fact I have paid YEARS ahead yet I owe more then the original amount.
The Student Loan Help Center ( XXXX was the person I talked to at ( XXXX ) XXXX ext. XXXX ) claimed they would set up a consolidation for my federal loans, arrange a temporary forbearance during the process, enroll me in the Public Service Loan Forgiveness, and arrange my new monthly payment to be {$110.00} if I filed married-filing-separately or {$240.00} if I did not change my tax filing status. For these services, they charged me {$990.00}, which I paid in XXXX installments. The first payment of {$240.00} was taken from my checking account the day I agreed to these terms. Within a couple of days later, I submitted a notorized power of attorney release and my federal tax statement from the previous year, which they had requested. 
In XXXX, I received a loan payment plan from XXXX XXXX, the new servicing agency that has been assigned to service my consolidated loan. The payment was set at {$330.00}. I called them to ask why it was so high and they told me it had been set using the information I had given Student Loan Help center. After hearing what had been promised me, the XXXX representative told me that they has terminated their relationship with Student Loan Help Center, that I should file a complaint and take action to get my money back, that I was not enrolled in any forgiveness program, and that the consolidation of my loans caused me to lose any retroactive forgiveness I may have coming once I enroll myself in the federal forgiveness program. They also have notified me that they have denied my power-of-attorney. 
I called Student Loan Help Center to ask why my payment was so high and XXXX, who set the whole process in action, told me that " It will happen. ", but that I would have to talk to another representative, who she forwarded my call to. I was on hold for a very long time and gave up. 
My bank is currently pursuing a dispute of the four payments that Student Loan Help Center has extracted from my checking account.
THIS COMPANY CONTINUOUSLY MAILED CORRESPONDENCE TO AN INCORRECT ADDRESS AND THEN REPORTED DELINQUENCES TO CREDIT BUREAUS. THIS COMPANY DID NOT REACH OUT TO ME VIA PHONE OR EMAIL. I WAS UNAWARE THAT I WAS IN REPAYMENT. I HAVE DISPUTED THIS 3 TIMES WITH THE COMPANY FROM XX/XX/XXXX AND XX/XX/XXXX. THE COMPANY REFUSES TO REMOVE THIS INNACCURATE INFORMATION. THIS IS ILLEGAL. The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.
I have been receiving bank statements from the Wells Fargo company and I have never authorized to open an account in my absence. Please delete my personal information with Wells Fargo fraudulent open accounts.
I am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members.