WillisBack/dataset-financial-user-claim huggingface dataset:
My home that I live in in XXXX, XXXX at present recently sold, it is closing on XXXX XXXX, XXXX. Originally XXXX was the XXXX lien holder who sold note to XXXX XXXX XXXX then Green Tree Servicing then currently Ditech is the servicing company. There is also a XXXX mortgage on this home that is serviced through XXXX whom is reporting in good standing and was originally serviced by XXXX then XXXX XXXX XXXX. XXXX is not showing any bankruptcy what so ever. I am working with my lender on a new home in XXXX, XXXX which is to close around XXXX XXXX. 
XX/XX/XXXX I was discharged from bankruptcy court filing chapter XXXX but kept my home that I 'm selling and a rental property in XXXX which is serviced through XXXX XXXX, always has been. For some reason none of the properties were reaffirmed and of course it is to late because banks wo n't let this happen after discharge. I have every intention of following through with my loan obligations. While working on a new loan with my lender for the purchase of the XXXX home we have discovered that Ditech is not reporting my good standing to credit bureau. This is affecting me in regards to getting the best possible scenario in a loan. I 'm in desperate need of your help in talking to Ditech by XX/XX/XXXX as that loan is getting ready to be paid off. It would be beneficial for them to report on my behalf. My attorney that did my BK called XXXX XXXX ( XXXX property ) XX/XX/XXXX to help me to get them to report to credit bureau because of same scenario. They are now reporting me in good standing to credit bureau. I Have worked hard to regain my credit and good standing. If you can help in any manner it would be greatly appreciated.
I currently have XXXX Loans from Navient. They have screwed up a bunch of my payments. Last year in XXXX I applied to have my payments reduced because I was unable to make the payments. They told me they would inform me if I was accepted to have them reduced. They took double the amount of money out of my account and when I called back later that month they told me that I was denied, and that I could apply for it to have it reduced for one year. So that being the only thing that I could do I accepted, and the process I went through to be approved took forever. They messed up my information did not inform me how much and when my payments were to be made. Dealing with Navient has been nothing but trouble and causing me nothing but stress.
I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history and if the lender refuses to report a payment history on my credit report the lender is in violation of the Fair Credit Reporting Act
Since XXXX, Diversified Adjustment Services continues to leave generic robocalls on my landline answering machine ( from a variety of numbers, changing the last XXXX digits ), stating that they are calling me for a debt collector, that I need to call XXXX, despite the fact that I do not have any delinquent debts. I have filed XXXX complaints with the " Do not Call Registry, '' since my answering machine clearly states that my number is an unlisted number, and is on the registry. I have also filed a complaint with the FTC. Last night ( XXXX/XXXX/16 ), they called again. So, I decided to try this. I recognize that debt collectors have a loophole to get around the " Do Not Call Registry '' ; however, that should only be for someone who may have a delinquent debt, and that the debt collector calls personally. This agency obviously does not know who I am, because the robocaller does not use my name ( because they do not know it because I have no delinquent debts ). If they think that they can scare/scam me into returning the call, that will not happen. ( because I DO NOT HAVE delinquent debts )
I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly SIMM Associates is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
Chase Bank has been told to not honor any electronic withdrawals from my account by  XXXX   XXXX , yet they continue to accept these illegal electronic transfers from my account by  XXXX . The most recent try was this week where  XXXX  tried to withdraw {$640.00} causing a {$400.00} shortage in my account for which  Chase  charged me an overdraft fee and a fee to stop the  XXXX  transaction. Chase has charged me a fee each month that  XXXX  has illegally tried to take money from my account and I do n't know how to stop this. I have asked them repeatedly not to honor any electronic transactions from  XXXX  but they continue to honor them and then charge me to correct their mistake.
Loan # XXXXConcerning appeal dated XXXX XXXX, 2015. ( Included ) to Nationstar Customer relation. 
Letter of response attached. They will get back to me no later than XXXX XXXX 2015. 
As of today, I have no response from you. On XXXX XXXX I got a notice of default ( included in this package ) with absolutely no explanation about my loan modification or my appeal. 
I have tried to contact my new point of contact XXXX XXXX, but the phone # given XXXX XXXX tells me call another ph # which takes me to someone abroad. I call this number a few times but I can not understand them because of their strong accent and ask them to transfer me to my point of contact in the XXXX. But they said, they can not do that but I can try calling again and maybe someone in the XXXX will pick up the call. So far I was not able to contact anyone in the XXXX about my loan modification. Except for someone name XXXX in the foreclosure department. She said, my option would be to short sale or deed in lieu and she can help me with that. I asked her to give me the ph # for my point of contact, but when I called the new # XXXX XXXX XXXX, the message says this is no longer a working #. It appears that all communication has been taken away and I have no choice but to sign my property over or allow them to foreclose. Previously, ( I had XXXX other point of contacts since I have started this loan modification with nationstar, and XXXX out of the XXXX, I was able to communicate with them through emails. This process works well until they change to another point of contact and then, no communication until I file a complaint. 
Now they are forcing me to foreclose or sign a deed in lieu. They will not communicate with me and fail to properly address the at hand. PLEASE HELP ME. GUIDE ME TO SOMEONE THAT CAN REALLY HELP IN THIS MATTER. 
Thank you very muchXXXX
In XXXX I established wire transfer for the amount of {$5000.00} to be sent to XXXX for the purpose of making a down payment for apartment. The party in XXXX did not receive the transfer yet. TD bank is not able to give an update of what is going on. It is frustrating since I can not find any one to help. I am not able to find anyone in TD bank to solve my issue. Please help urgently. 
Thank you Regards XXXX XXXX
FHA XXXX I need to understand if there was an FHA HUD claim filed. I'm showing a claim date in this document of XX/XX/XXXX a sale date of XX/XX/XXXX and a transfer servicing date of XX/XX/XXXX the sales price reflects {$49000.00} while the claim amount shows {$150000.00}. so was the mortgage insurance insurance premium paid to the investor which was HUD? If so and they sold this note to the current investor for {$49000.00} how is the new servicer roundpoint mortgage now seeking over {$260000.00} for this note? A XXXX XXXX has been filed. If a mortgage claim was filed in HUD US Department of Housing and Urban Development and FHA received the mortgage claim funds and the servicer bid on the Note how do I owe them this money? I want an investigation open so that I can clearly understand if I've been violated as a homeowner and a note holder of an FHA loan. This loan has been in default or in trouble since XX/XX/XXXX which was just a year after the note was purchased I've gone back and forth with US Department of Housing and Urban Development FHA the Consumer Protection Finance Bureau in any other government regulatory department to get help. I'm exhausted at this process I have over a hundred emails to State local and government agencies trying to get this issue resolved and now I would like to file suit with the US Department of Justice. I'm wondering how many homeowners in an urban demographic has been treated this way and if there is a double standard with HUD US Department of Housing and Urban Development and FHA. Are they selling the note making a profit as well as receiving claim money for the mortgage insurance? How many FHA loans are orginated to prodominely XXXX, XXXX Borrowers that end up in default and purchased by Private Investors. MERS information is inconsistent as well.
Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.
I do n't owe this debt. It was paid before I transferred my XXXX XXXX XXXX account to my new residence. Credence calls me multiple times per day and is pushy on the phone despite me requesting multiple times not to call. They call my girlfriend, who did n't even live at the residence they have on file, and ask for me. It concerns me how they got her information.
on XXXX I sent information a Certified letter to SCA Collections. The letter was signed by XXXX XXXX on XXXXXXXX. My main reasoning for this is because SCA is a third party collection company and my information has been released tho SCA from XXXX XXXX XXXX the creditor. The letter I received have information which is Violation of the Hipaa Law. They are releasing information to me such as XXXX XXXX/XXXX w/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. SCA have reported this information to the Credit Bureaus XXXX, XXXX, XXXX. Indirect Violation of HIPAA LAW. 
listed accounts SCA : XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX
I received an alert from Transunion that my credit was hard pulled on XXXX/XXXX/2016 by XXXX ( XXXX )
This is the 3rd time I have had to file a complaint against XXXX XXXX XXXX. 

They continue to send me letters demanding money that I do not owe. I feel they have broken the law and this company needs to be reported or fined.
I missed a payment and when that payment became past due. I was unable to make a payment of XXXX payments to get caught up so my single payment was returned to me. I have been unable to secure a loan for past due payments and now owe {$28000.00} to get my loan current. I have been insisting on a loan modification which the lender refuses to give me. I am submitting an appeal to the servicer in regards to the loan modification denial. I was only given XXXX options to either short sale or a deed in lieu. I do not want to lose my house and feel that the bank is trying to take my house. I will now file Chapter XXXX bankruptcy to try to keep my house. I feel that I am being treated unfairly and I will be homeless if they take my house. Please do not ask the servicer to send me another stack of paper showing that they have done nothing wrong in servicing my loan.
I realized in XXXX after filing my taxes that my identity had been taken as far back as XXXX, I filed a complaint with XXXX, XXXX, FTC, XXXX XXXX XXXX office and had XXXX try to help me clear it. These items are still on my report, they say they are verified and I should provide documentation to show it was not me ... .that is difficult to do, the fact the person who took my identity has the same information that I have, which is me. 
There a cell phone bill and credit cards that have been open in my name and never paid. Unfortunately the companies do n't care if it was you, they only want their money.
I rented a unit at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX beginning in XXXX 2016. The term of lease was from XX/XX/XXXX-XX/XX/2016. I had my final moveout inspection XX/XX/XXXX, and the business was made aware that I would not be renewing my contract. The inspection was fine, and we signed paperwork indicating no damages. XXXX XXXX was the last day of the contract. I paid my XX/XX/XXXX rent and made sure my balance was at {$0.00} at the end of the month. On or about XXXX XXXX, 2016, I received a notice from bill collectors indicating I owed {$580.00}. I called the office and they indicated that I did n't owe anything and my balance was at {$0.00}. I then went to the complex to meet with the bookkeeper, XXXX ( XXXX ). She stated that technical error had caused me to be billed for XX/XX/XXXX, even though they knew I was no longer living there. She also indicated that she would call headquarters and call me the next day with the problem resolved. She also stated she would make sure the bill collectors were aware that the notice to them was in error. She gave me a printout showing that in their system, they had corrected their mistake. We have repeatedly called and emailed since then, and have not been given any notice that the problem is resolved. We also called XXXX XXXX XXXX, that manages the apartment, but there is no working number to reach a live person. Moreover, I received a call this morning from the bill collectors ( IQ Data ) who stated that they had not been given any other information from the management to indicate this was a mistake on their part. They stated even though I sent in a dispute, they did not need verification from the business that the debt was really owed, in violation of my rights under the Fair Debt Collection Act. They stated this will affect my credit, and I should pay the bill and try to get a refund later. I refused. Finally, I have not been refunded my security deposit and it has been 30 days since I have moved out.
In 2014 I took a Cash Advance on my Capital One Credit Card. The Cash Advance has been paid off for well over two years. 
Tonight I went in to activate my new credit card. When I reviewed my account I found that Capital One has been billing me interest charges for Cash Advances on a XXXX  balance. 
It was n't until I looked closely at my statement to see the interest charges for Purchases and the interest charges for Cash Advances. The summary page does n't separate or itemize the interest charges. I do carry a balance on purchases, so I expect to pay interest for that balance and that balance only. 
I contacted Capital One tonight and held a chat session with XXXX. He told me that I would continue to be billed interest charges for Cash Advances until the balance of the ENTIRE card were paid off. 
I should never have to pay interest on any account or part of an account that carries a XXXX balance. To do so is paying money on an account which Capital One has no right to collect. 
Since this will probably affect the many millions of Capital One credit card holders this may result in a class action suit.
Creditor Name : American Express Account number : # XXXX American Express and the 3 credit bureaus ( XXXX , XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by American Express and the 3 credit bureaus. American Express and the 3 credit bureaus have been and are reporting my account as managed by credit counseling program which is not true. I called, contacted American Express and the 3 credit bureaus through certified mail and fax and disputed the inaccurate information multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but American Express and the 3 credit bureaus insisted in breaking the law and violating FCRA ( Fair Credit Reporting Act ) and reporting inaccurate information on my credit report. The furnisher of this inaccurate information is American Express. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to American Express and all the 3 credit bureaus that this account was and is still a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from American Express or all the 3 credit bureaus of their inaccurate information and I didnt receive it from all of them. Since neither American Express nor all 3 credit bureaus have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to American Express on XX/XX/XXXX : XXXX Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX  on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX.
I joined the XXXX and reported on my XXXX birthday. My unit began to process my security clearance and the Trans Union report comes back with XXXX line items that were fraudlently applied to my social security number by my biological mother. In order to continue security clearnance processing I need correspondence from Trans Union to show that they are investigating the fraudelent line items. They indicated that they are investigating the line items, but refused to send me written confirmation of this action. I spent over XXXX hour on the phone being transferred through multiple " supervisors '' that were unwilling or unable to complete this task. The reason varied stating words to the effect of, " We will not do that '', " We can not do that '', " Our system is n't working, you must call back tomorrow '', or " We can not talk to you ''. They attempted to change my address to the temporary Military training address I am using while in XXXX Missouri. I will need it sent to the Military installation I am training at, and not my home of record that is associated with my social security number. 

All I need is correspondence from Trans Union stating that the fraudelent line items are being investigated.
XXXX   XXXX   XXXX  sent bills to collect invalid " co-pays '' after we left  XXXX   XXXX  and no longer used them as our primary medical care provider. After using  XXXX   XXXX  for over    XXXX   years, these " co-pays '' never once were demanded from  XXXX   XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc.    XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Plu s Four, Inc.  sent  XXXX  collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help
XXXX sent loan discharge information to close out my XXXX Loan account with XXXX University to Transunion Credit reporting bureau. Transunion keeps insisting they do n't have discharge information. I have spoken with both XXXX and Transunion on several occasions and XXXX insist information was sent to Transunion. Need help in resolving this dilemma. I file a dispute with Transunion no response to this correction.
My name Is XXXX XXXX and my son is XXXX XXXX i have been trying to get his name and accounts of my report for years to no avail. I have his address on my report his name his accounts. I am XXXX he is XXXX but they seam to not care. I have accounts that are over seven years old they wont take of.
My mortgage company took XXXX payments, did not return the requested funds within XXXX days ( I filed a separate report ) and as a result of this, many payments were returned. Synchrony bank had just purchased many of my store cards, and they have systematically decreased credit limits or closed all of my accounts, despite requests to make allowances for this episode caused by the mortgage company. The cards and account numbers affected are GAP XXXX XXXX XXXX, Lowes XXXX XXXX XXXX XXXX XXXX JC Penney XXXX XXXX XXXX XXXX XXXX. These actions, while their right under the law, have taken my constitutional right to liberty. I have been a XXXX for XXXX years, have been employed with the XXXX for XXXX, make {$90000.00} per year, and now need to move, and can not even apply for a mortgage to assist my XXXX year old mother in FL. It is a crime.
I have a XXXX XXXX XXXX card. Last summer they changed how they process auto payments. If you have an autopayment for minimum payment due and make anything less than your entire previous months balance, they go ahead still deduct the minimum payment amount. 

So for example, let ' say you have a balance of {$5200.00} dollar and your minimum payment is {$150.00}, and you have an autopayment set up to pay the minimum monthly balance. If you pay {$5000.00} towards your balance, they will go ahead and take another {$150.00} from you based on your auto payment. So you end up paying {$5100.00}. 

There is no option to pause the minimum payment for one month. You have to cancel it entirely and set it up again in the next month. If you call them to have it paused, they have no way of pausing it for only the one month. They can cancel it and then you have to remember to call back the next month to have it turned back on. 

Previously, if you paid the minimum, then they would not process your auto payment of the minimum monthly payment. This is also the way it currently works with other credit card companies. 

This policy results in overdrafts of connected checking accounts and missed future payments because of the need to restart the auto payment. They are intentionally creating mechanisms that confuse customers on how much will or will not be taken.
I am the co-borrower ( as XXXX, not XXXX ) on this loan with my now ex-husband. We 've been divorced for 2 years, however on XX/XX/XXXX, One Main Financial allowed him to do an " Adjustment of Terms '' on this loan, extending the term of the loan to XX/XX/XXXX, 5 years longer than the maturity date of the original loan that I agreed to, without my signature or even my consent.