WillisBack/dataset-financial-user-claim huggingface dataset:
We have tried to work with Carrington Mortgage to save our home we realized that XXXX was the former owner of our loan and they liquidated through a Chapter XXXX Bankruptcy. We are trying to understand if our home is a part of the liquidation?

Before we got to this status we have submitted payments to Carrington Mortgage and they have sent them back to us.

Recently Carrington sent to us a Loan Modification Package and we completed the application and submitted the requested documents. Documents were due back on XX/XX/XXXX. We submitted the completed application and supporting documents via XXXX onXX/XX/XXXX.

We spoke to Carrington Mortgage today and found that they did in fact receive the documents but they refuse to look at them because it was not with the 32 or 37 days before a sale date to be considered for a workout. We were constantly calling them and not one time did anyone tell us that after compiling documents and sending them by XX/XX/XXXX they were just going to reject all of the paper work and hope of getting our mortgage back on track. We were never told that this information until today.

We are asking for help in acquiring a desired Loan Modification and stopping the sale date scheduled for auction XX/XX/XXXX. Thank You
Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. 
Again, note : I have made LTV ratio and paid the Five years premium. 
Please cancel/terminate the MIP. 
Thank you. 
XXXX XXXX
We have been trying to get a modification from XXXX XXXX XXXX since 2009 and they always denied it.
I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.
XXXX   XXXX   XXXX   XXXX  sent me a letter on  XXXX   XXXX ,  XXXX  stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on  XXXX   XXXX . No one respnded to my letter. I received a similar letter on  XXXX   XXXX   XXXX  with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Caller keeps calling multiple times Daily from different numbers with same area code of XXXX ( Massachusetts ). Does not state company name or purpose of call. Continuously asks me for my social security number and to verify the last XXXX digits of my social that they have on file and my address. This is not the normal behavior of a debt collector. I 'm scared and feel as if these people are trying to steal my identity and keep Harrasing for my social security number and personal info.
I disputed a credit discrepancy on my Transunion account against XXXX XXXX on XX/XX/2016 and by XX/XX/2016 the account was not removed in accordance with the law. I call the bureau and they still did not remove this account.
Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. 



Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
I had a gym membership with XXXX in XXXX, PA. I then attempted to cancel the membership and was told I needed to stop in and not over the phone. I then stopped in and due to the manager not being there I was unable to cancel. I was told I could n't leave a letter, fax a letter, or email a letter. I was also told that I needed to speak with the manager as they were the only person who can cancel the membership. I found this unfair due to the manager being there at certain times. 

I did file a complaint with the XXXX who resolved the issue and I just needed to pay the last month that I owed, which was XXXX. I did make this payment, however the company still billed me. I was told it would take 1-2 billing cycles for their billing company to receive the update. In addition the company responded that they would waive the late charge in good faith. 

I have now received a collection letter from First Credit Services , Inc for the amount of XXXX.
Chase is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.
On XX/XX/XXXX I filed a complaint against Santander with the CFPB and I was told to call the CFPB which I did for my results. Well according the representative for the CFPB she told me it was nothing they can do for me because Santander told them that I had attorney and they could not speak to CFPB about the matter and the comments that they put on my credit report as a paid charge off. Even though our agreement was once I paid the amount they gave to me that day on XXXX2015 and by a certain time which was XXXX that day they will closed the account and have it as paid and closed on my credit report, but that was a lie they only told me that so they can get my money and still put negative reporting on my credit report and they still sent me a XXXX for the remaining balance but listed it as a charged off and now since I called and file a complaint with the CFPB they have updated my credit report with all kinds of LATE FEES and negative markings, like as a retaliation to me from their company because of me filing this complaint and I did this because they are a very dishonest company and have had several complaints wrote up on them for this same situation. All I want is for Santander to do what they promised me before they took my money and that is report truthful information and stop being dishonest saying I have attorney on my account and IF THAT IS THE CASE then : I am giving CFPB the permission to access and find out any information that is on my account.and like I stated before the FRCA states the information should be true and accurate and not JUST START reporting negative information since a complaint was file with the company ( Santander ).
At a recent visit to Best Buy, store employees fraudulently tried to sign me up for Best Buy 's private-label credit card. I expressly told them that I did NOT want to apply for the credit card, but they repeatedly ignored me and attempted to sign me up for a credit card. 

On XXXX XXXX, 2017, or there about, I received a letter from Best Buy credit services informing me that my credit card application had been denied. I was shocked to learn that the Best Buy store employees had submitted an application in my name AFTER I stated that I did NOT want a credit card.
I received notice from Southern Management Systems , Inc., about XX/XX/2018 for an alleged debt owed to XXXX XXXX. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt collector if collection efforts are successful.
On XXXX XXXX 2015 I went on XXXX from my job due to XXXX and I was being Harassed at work for my illness. Immediality I contacted my creditors asking to activate my XXXX. I was told they had no record of my ever having this program. I insisted I did. However, I asked for assistance and Discover Bank refused to work any kind of assistance with me. I informed them I was going to be on XXXX income and there was not any money. Unfortunately, they refused to offer any assistance. After I went on XXXX income and I began processing my XXXX with the Social Security office they considered to Harass for payments. I continued to ask for deferment since my XXXX insurance was canceled with the company. During this time I was starting to fall behind on my payments. They insisted I had to pay my back-payments and apologized for any inconvenienced. I went on line to my account and tried to make a partial payment and it was rejected. At that time I stopped paying any payments and gave up. Shortly afterwards I went into a XXXX due to my XXXX and the inability of working anything with Discover Bank. 
I almost lost my house last year, I would like to continue to make payments I can afford without causing any more problems to my home and family. 
They have currently hired A Law firm without contacting me to my knowledge. the firm is XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, NY XXXX ; XXXX. This firm have SUMMONED ME TO ANSWER A COMPLAINT through XXXX XXXX Clerk. I have not received any phone calls, nor did I receive any mail to my knowledge prior to this.
I have filed disputes and complaints about 4 collection accounts being on my credit report that do not belong to me from XXXX on XX/XX/XXXX. In response Equifax claimed to have removed the accounts from my report and they deleted all but one of them. I called to let them know and ask why they still had one on my report and was told I would have to file another dispute.
I'm using Coinbase.com to store a significant amount of cryptocurrency. They have a service called the " XXXX '' that adds additional layers of security, so I store most of my funds in the XXXX. Unfortunately, there is a bug within Coinbase that caused my funds to be frozen about 75 days ago. Other people have reported the same bug on various online forums. 

In essence, I deleted an old Coinbase account, but the email address associated with that old account was also being used as the secondary email address for my active Coinbase account. Because of some kind of defect in the Coinbase system, when I deleted my old account, my secondary email address for my active account was also deleted within their system. In order to withdraw funds from my XXXX, I need to receive a confirmation email at both my primary and secondary email addresses. Because Coinbase erroneously deleted my secondary email address, that is now impossible, and my funds are frozen. 

I first emailed them about 75 days ago regarding this issue and have since called them twice, talked to representatives, and emailed them numerous times. Unfortunately, they have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. Because of this I have lost a significant amount of money ( I would have sold some of this cryptocurrency during this period ). Coinbase is notoriously bad when it comes to customer service so sadly I'm not too surprised I've had this experience. I just want to get it resolved as soon as possible and get access to the funds I entrusted to them. My case numbers with Coinbase are # XXXX and # XXXX.
I have my loan with Ditech and placed my loan on a special plan due to being affected by Hurricane XXXX. I 've received 6 collection calls, within the timeframe I was given for repayment ( before my modified payment was late ), and calls came at all hours of the day and night -- very very early Saturday morning, late Monday evening, etc. 

What 's more is they introduced themselves as a rep from Ditech and immediately proceeded to ask me for my social security number and to verify my phone number ( which they called me on ), and became rude when I refused to give my social security number. They called from this phone number : XXXX XXXX XXXX XXXX, which is different from the Ditech phone number.
I have previously disputed with United Revenue Corp. regarding derogatory entries they inserted on my credit reports without providing me a dunning letter or any other notification that they were attempting to collect a debt. To that end, I submitted my second formal dispute to them ( see attached return receipt ). I specifically requested that United Revenue Corp validate the debt and not verification of address in my first dispute and in my second dispute I specifically requested them to provide a copy of the signature of the alleged service provider to release my medical information to them and too for them to cease any credit bureau reporting until the debt had been validated by me. I had previously respectfully requested a full detailed report of the account they were alleging a debt was owed as well as an agreement that stated they had authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, complete accounting of alleged debt, verification that this debt was assigned or sold to collector. 

United Revenue failed to provide any documentation to substantiate this debt. They have only sent a mere summary that is on their letterhead and provides nothing of substance. Sending a mere statement on their letterhead does not suffice. The charges are not itemized and provide no explanation or justification. In their letter dated XX/XX/18, ( see attached ), United Revenue states that no inaccuracies were identified as a result of their investigation. This could not be further from the truth. I have never had a contract nor any agreement with this company and they are reporting terms of 1 month on my credit report. On each bureau report, they are reporting a different payment history as well as a different opening date for this alleged account. THESE ARE INACCURACIES AND THEY CONTINUE TO REPORT THEM AS WELL AND THIS IS A VIOLATION OF MY RIGHTS. I have been very detailed and specific in my requests as well as my disputes with them. As stated in the aforementioned paragraph. These entries must be removed from my reports immediately.
Hi my friend XXXX XXXX filed a complaint about a joint account that i have with him about that will be referenced in this complaint witch you guys concluded that you will remove a 30 day late from the account and some how on my credit report it still appears if you can please update the reporting it will really help my as you have done to XXXX
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them CREDIT MANAGEMENT CNTRL Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.
In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.
Hello, I XXXX XXXX XXXX XXXX XXXX filed a dispute on my credit report and it is taking more then 30-days to complete this dispute. I was sure after Experian notified the companies of the accounts I was disputing, must respond within 30-days or the items will be removed from my credit report. I filed this dispute on XX/XX/2018. I several accounts still pending investigation.?? that is not right. 


XXXX XXXX XXXX XXXX XXXX
I start a create monitoring account with Experian that was free for the first month and {$25.00} per month thereafter. I have been charged for multiple months and would like to cancel the account. Experian does not permit cancellations online or by email. I have tried multiple phone numbers associated with Experian customer service and have been unable to successfully cancel. During one call, I wanted on hold for more than 2 hours.
I have a general complaint. Chase does NOT allow me to setup an automatic payment to my credit card for anything other than the minimum payment due, or the full balance due. I believe this is on purpose, to force the consumer to not be able to pay anything other than the minimum payment, and then have to manually schedule payments at a separate time for anything above the minimum, but below the full balance. If I want to automatically pay {$500.00} or {$750.00}, when my minimum is only {$150.00} or {$250.00}, I should be able to!!!! It is total XXXX just designed to XXXX me from automating my payments @ where I want them to be, so I can pinpoint my payoff date. Instead I have to remember to go in and manually pay them, and if I forget, oh well, just more interest for the bank. They should NOT be allowed to tell me what I can automatically pay every month. I should have the ability to pay what I want, as long as it is above the minimum.
It is with great sadness that I submit this complaint toward SLS. We have fallen behind in our mortgage payments due a change in our income. My husband is a XXXX veteran who just completed XXXX years of service. Due to this we 've had a significant change in income. For a few months he was unemployed only receving XXXX and I XXXX XXXX for XXXX, XXXX and XXXX. My husband is currently employed as of XXXX of 2014 with the XXXX and has applied and will be receiving his veterans XXXX. We have made several attempts to get a modification and have hit brick wall after brick wall. First they said they did n't have all documents so I faxed them again then received a denial. I faxed in an appeal and letter of intent now mind you the first denial took weeks and weeks but when I sent in the next fax I was told it takes 24 to 48 hours to have the documents uploaded however at that time when I called I was told it was denied for all options they received them XXXX day and denied all options the next. I thought that was crazy. I was told I can send in another appeal which I did. After reviewing my documents I was told they see the increase and will review but then after not hearing from them I called and was told it was denied because we have exceeded the amounts of modification based on their guidelines. I sent a letter stating that we should not be penalized for the previous modification because it was part of the XXXX. This week I called again and spoke with another rep, I 've never ever talked to whomever was my assigned person because he or she was never available and if a message was left call was never returned. The rep that I spoke with this week said a denial letter was sent, but I have not received it that states the reason for the denial and that there is no other options available but short sale under HAFA or foreclosure. I 'm at my wits end about the whole ordeal. I am afraid of the affect this will have on my husband as he has XXXX and the stress of the possibility of losing our home. I 'm praying for resolution in this issue.
On XX/XX/2018, I received a debt collection letter from Pendrick Capital Partners DBA XXXX XXXX XXXX in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. Pendrick responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.