WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.
I called into the bank about a credit limit increase. I was concerned about a hard inquiry to my credit report. The representative informed me she would make a change to my online account, informing me to preceeded and assured me it would be a " Soft '' pull inquiry. I applied and called back to confirm my previous call and was again assured that it would be a soft pull. Well it was n't and they Lied like really lied. They are refusing to remove a hard inquiry that I did n't not authorize.
So I applied for a Personal Loan after i received a Marketing Ad by Mail of which mas misleading with the displayed percentage they were showing i later applied and got approved and have been making payments but struggling since the interest is extremely high and every time make it harder to make payment. The Interest rate i never thought would be so high and so impact. the loan was for {$16000.00} i have made 5 payments of {$420.00} and the principal balance has only dropped to {$15000.00}.
I have two different collection companies trying to collect on the same debt. The companies are Transworld Systems Inc. and XXXX XXXX XXXX XXXX. The debt collection is for a medical bill I owe XXXX XXXX XXXX Medical Center in XXXX WA. The amount is {$200.00}. I called the medical center but they could not help because the amount I owed had been turned over to XXXX XXXX XXXX. XXXX XXXX said they were getting a lot of calls about this same issue. XXXX XXXX forwarded my call to another person and I left a message for them to call me on XX/XX/XXXX. They called me back on XX/XX/XXXX and ask that I fax everything to them and XXXX XXXX XXXX collections would not call me or collect from me until something was resolved but that Transworld might call me because they could not stop them from calling me. I faxed them the information on XX/XX/XXXX. I faxed them the " invoice '' from XXXX XXXX XXXX and the collection letter and invoice XXXX XXXX XXXX Medical Center that Transworld System sent me showing the same account number and same dollar amount. I do n't mind paying what I owe, but I am not going to pay it twice and I do not want not paying one and paying the other to effect my credit rating. Also if I had not been paying attention, this might have got paid twice and I would not want that happening to someone else.
BMW FINANCIAL SERVIC is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BMW FINANCIAL SERVIC along with a notarized affidavit claiming fraud. BMW FINANCIAL SERVIC is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BMW FINANCIAL SERVIC to close their files which have any information with my name & social on it ...
I believe XXXX XXXX with FAY SERVICING violated the requirements for a single point of contact on SECTION 38-38-103.1 During the final stages in the process of LOSS MITIGATION APPLICATION. He would not respond to any emails or phone calls, as I tried desperately to get an update of the COMPLETED LOSS MITIGATION FORMS. 
Soon after my home was sold at a FORECLOSURE AUCTION SALE. 
I also believe DUAL TRACKING was used in this process of selling my home while I thought we were working together to stop this auction of my home. 


*I emailed Loss Mitigation Application to servicer on XX/XX/2018 *I received Acknowledgement of additional documents dated XX/XX/2018 ( return due date of XX/XX/2018 ) [ Additional document requested was home and hazard insurance. ] XXXX XX/XX/2018 I purchased the home insurance they required. I sent the proof of insurance documents via email and fax. 


*I received Acknowledgement of completed application on XX/XX/2018. 

*I received Notice of sale. 
It was signed and dated by the trustee Recorded on XX/XX/2018. 


*I received denial of assistance letter on XX/XX/2018. 


*I tried to contact servicer multiple times with no response. 


*Home was auctioned and sold on XX/XX/2018. 

The required amount of time from the completed application to the foreclosure sale date is more than 45 days. Completed application was 76 days before auction date. 

The required amount of time that the servicer should review my loss mitigation application is 30 days, whereas servicer did not answer my emails or calls, then sent a denial letter 55 days later Upon receiving the denial letter I have 30 days or more to respond. They auctioned my house 20 days later with no contact our no chance for me to properly respond by to my denial letter.
On XX/XX/2014 someone went online & received a payday loan in my name. Not sure of the amount of the loan, but I am responsible for {$380.00} on my credit report. I am in the process of purchasing a home and this shows up. I have not gotten a loan from Speedy Cash and dont think I should be held responsible. I need it remove off of my credit because it was not me. Please!!!
On XX/XX/XXXX I tried to apply for a paypal credit line. It said I was approved and to link the account. When I tried it said it was already linked to another account. I called PayPal credit who forwarded me to bill me later who in turn told me the account was closed as a charge off. I was confused about the debt and honestly didnt recall owing them any money especially when ive never received any notice. I took the third party debt collectors number the account number and the amount owed for my own record. The agent then told me that there were consistent payments and they stopped in XX/XX/XXXX and the account charged off in XX/XX/XXXX. 
I looked at PayPal credit terms and conditions and read through their policy book. They are not allowed to reinstate an account that is delinquent. My account legally is not delinquent because it was charged off and sent to a third party. Legally paypal credit can no longer use my social in connection to their company because it does not belong to them anymore and does not exist anymore and I legally am not considered to be in debt anymore. I spoke with a supervisor who refused to reset my account and delete the delinquent status so I may reapply. He also refused to give me the number to their corporate office and was very snippy. I informed him of his company 's policy and that they were in violation on their own terms and conditions in refusing to delete the nonexistent account and it was illegal. He gave me a fax number and p.o. box with no name and no contact point.
I XXXX XXXX XXXX of age citizen of the United States a victim of identity theft would like to make a complaint that I made an attempt to dispute items off my credit report due to identity theft and the credit agenciesrefused to delete and consider the FAIR CREDIT REPORTING ACT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) 611FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU CALIFORNIA CONSUMER CREDIT LAWS My desired outcome would be for this credit agency to delete inaccurate accounts that I did not open & stop asking for additional paperwork when iv'e already provided all documentation concerning my claim and proof of my claim. COPY OF ID, SSN, AFFIDAVIT IDENITY THEFY NOTORIZED, FCT REPORT POLICE REPORT AND THEY STLL WOULD NOT DELETE.
Case number XXXX, XXXX, XXXX I have attached a copy of my husbands credit report provided by XXXX. Second Round LP is still reporting " open collections '' updated XXXX XXXX, 2016. Attached also statement from case listed above where Second Round LP " ... decided to close this account and DELETE it from the credit bureau. We have asked our servicer to provide proof they have proper controls to assure all required verifications take place. '' To date, it has not been deleted from my husbands credit file.
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   Stanislaus Credit Control XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
The credit reporting company Experian is reporting my mortgage payment as late. My mortgage payments has not been late in over 5 years. This is also affecting my credit score. I have been trying to resolve this issue with Experian over the past 2 years to no avail. This information can also be verified with my mortgage company. Calls made to the company have been unsuccessful, due to the fact that it is a constance recording.
I was contacted on XXXX XXXX 2015 from a rep for bank of the west about my father being late on his car loan..my father is in XXXX vet and his vehicle is a XXXX for his needs. He had auto pay with this bank and someone stopped the auto pay so his payments have n't been made I have power of ATTRONEY on my fathers behalf and they refuse to knowledge it. XXXX XXXX and I had a verbal agreement on that I will make a payment on the XXXX of the month. As of XXXX XXXX 2015 at XXXX the van was repo. I did do the calculation onpayments and they are saying XXXX is behind when its behind XXXX for XXXX months and they refuse to show me a bank statement report on my account. They refused payment which I know is against the law and breaking a breach of contract correct.? I did file a complaint with local police and ATTRONEY did file a cease and dismiss claim XXXX weeks ago for hardship for of finances and they were served with the it. Since they violated the law I 'm I able to get my vehicle back and payment for this. MY fathers health due to all this harrsement has put a toll on him FOR the worst the bank took his independence away and wo n't take blame on their wrong doing and not working with us but against us. They put a hold on my fathers account holding funds so my father will lose everything.
About a month ago, a {$120.00} debt showed up in my credit report. It is called XXXX XXXX XXXX and the original creditor is XXXX XXXX. I am a XXXX XXXX customer, although I have never had any outstanding debt with them. I have never heard of this charge, have never received a bill for it, and I have no idea what it is for. I can log in to my XXXX XXXX account and it shows a {$0.00} balance, and the entire payment history comprises only my regular monthly bills and payments of {$43.00}. There is no record of any {$120.00} bill, nor does any combination of anything total {$120.00}. I called XXXX XXXX, and after a confusing conversation, they looked up some things in their computer and said that the charge was a mistake, and that they would credit it to my account. I did not receive any credit in my XXXX XXXX account, which is OK because there is no record of any debt to be credited, but the amount on my credit report dropped from {$120.00} to {$21.00}. On my credit report, it now appears that I paid the difference ( {$100.00} ), which I did not, because this debt never existed, and this apparent payment seems to legitimize this otherwise completely fabricated debt. I submitted a dispute for each amount but the debt was upheld each time. I still have never received a bill for either amount and have no idea what it is for. My only guess is that XXXX XXXX sold a fake debt to XXXX XXXX XXXX in bad faith as a nefarious means of generating revenue.
Experian credit reporting bureau has not removed incorrect negative account information ( late payment ), despite the fact that I have provided Experian with correct account information ( no late payments ), that was provide to me by the creditor : XXXX XXXX XXXX. 

Credit Account Reported : XXXX XXXX XXXX, Credit Account Contact : XXXX XXXX XXXX, XXXX, OH XXXX
I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW? 
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening. 
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.
The collection agen cy Carter Young Inc failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. They did not produce the documents establishing liability to them. In US law encyc lopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Carter Young Inc o n  XXXX / XXXX / 17  and received a letter stating that my dispute was investigated and validated by the original creditor   XXXX    XXXX   XXXX , however, I did not receive validation, only a letter claiming to be validation.  Carter Young Inc ar e reporting invalid and inaccurate information on all  XXXX  credit bureaus :  XXXX ,  XXXX , and  XXXX .
I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX XXXX XXXX/Credco Corelogic/Credco The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
I filed bankruptcy several years ago and after going through 8 mos. XXXX with Citimortgage, they finally did a loan modification for me, after " losing, misplacing or throwing away '' the XXXX set of about XXXX pages of my financial info I had faxed to them. I have XXXX high interest credit cards & have been turned down twice for loans, one at my own bank. Two years ago I needed a new furnace & could not get financing for that : had to buy space heaters & it was a cold & very expensive winter. I got copies of my credit reports & find that my mortgage payments are not being reported, though I have made a real effort trying to rebuild my credit history & I believe every one of my mortgage payments since the modify have been on time or days early. I called the lawyer & he advised me that I would have to reopen the bankruptcy to change anything, though the papers clearly show I intended to retain my car and my house at the time. Citimortgage says I could re-do my loan to get them to start reporting. I am not paying anyone, courts or Citi any money for them to do what they should have been doing all along. They get my money every month as agreed ; I deserve to have it reported, retroactive back from when I redid my mortgage loan. I also requested a " simple '' list of all payments made to them since the modification & I have attached one example page of what they sent me. I need something similar to what it would show on a credit report-when it was due, when it was paid, not all my tax info, my interest info, etc. that is no one 's business but mine. They closed my complaint as if they had resolved this. I sent an email to the woman working on my case telling her basically " thanks for nothing '', that nothing was resolved and that the list of my payment history was totally unacceptable. I got another copy of payment history which was a bit clearer to read, but still gave way too much extra confusing and personal information about my mortgage. They just chose the lazy way out-something they could get out of a computer. The reason the one page from the bankruptcy that I attached looks weird is that something got spattered on the corner of the paper, so I tore if off & put another page of the bankruptcy under it at the top.before copying it.
I leased a XXXX in XXXX of XXXX. Upon lease ending in XXXX of XXXX I was notified that there was a end of lease balance in amount of {$2900.00} for over miladge. I had conversations with American Honda Finance regarding this amount and had setup a payment plan, as I was unable to pay the debt in full in one lump sum. I specifically asked the representative if This debt was reported to my credit. I was assured that it was not. I was advised that after a certain period of time the money owed would go to collections, which I again verified WOULD NOT REPORT TO CREDIT. I have since noticed that this amount Is in fact listed as a negative factor on my credit report. I have called up American Honda Financial at : XXXX and discussed this issue with a representative. I was now being given Conflicting information and told that once the debt goes to collections, it Does get reported to credit. I was absolute, complicit and clear in my original questioning of the weight of this debt. I am in the process of securing a loan for my family to get by, and my credit score is Extremely important. I am Shocked aand appauled by the total disregard for American Honda Financials lack of competence by its empoloyees. I find this practice Highly unfair, unethical, and also a reason that Truth in Lending, Nd Honest Credit reporting rules and regulations have been enacted. I further looked into feedback on American Honda Financial Services and have seen multiple similar complaints. 

Please work with me to get this issue straightened out with them. I am making payments as I am able to on this debt, and was mislead and deceived.
On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit bureaus  (  XXXX , Transunion and   XXXX   ) that showed th at the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified letters to each bureau requesting that the information be deleted from my credit repo rt. Only  XXXX  bureau-Transunion has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.
XX/XX/XXXX E-Mail XXXX Case # number XXXX XXXX I have a Tenet that ran up a {$1100.00} cable TV bill Including equipment and early termination fees with XXXX and the service was disconnected. Later I found out that XXXX would not turn the service back at that address until that debt was paid. 
Over the telephone XXXX XXXX ( XXXX collection agency ) and I agreed to a settlement of {$700.00} for this {$1100.00} debt and we agreed that I would be getting a proper confirmation letter in the mail within XXXX days. 
Settlement date XX/XX/XXXX At that time XXXX XXXX ( XXXX collection agency ) told me that they would be mailing me a confirmation letter in the mail confirming the transaction. 
I called them back one week later XX/XX/XXXX because I did not receive it. They said that they would mail it to me and it should not take longer then a week and I still have not received anything. 
This transaction was a reduced settlement amount agreed by myself and the collection agency for a debt my tenant had for a cable TV and Internet service that tenant failed to make payments for. The reason why I paid it was XXXX would not start a new service at the address unless the debt was paid. 
Being that it was a reduced settlement for the debt owed, I need a proper invoice with account number so XXXX does not come back to me for the balance, and for record-keeping purposes for my tenet. This invoice must indicate names and account numbers so that if the time came XXXX can identify it. 

Around XX/XX/XXXX I disputed the charge with Citibank Requesting that either I get my invoice for the {$700.00} I paid them or Refund my money. On XX/XX/XXXX Citibank informed me that the charge could not be refunded and to contact XXXX to get my invoice for the {$700.00} I repeatedly requested from them and did not get.
XXXX XXXX XXXX has mailed me to letters about two check I wrote that did not clear and I still owe money. I contacted both companies and my bank. I was informed my my debt was payed. My first letter, was a debt from XXXX/XXXX/XXXX XXXX XXXX XXXX for {$200.00}. My second letter, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX  XXXX for {$50.00}. I have tried to call there place of business no one answered the phone. My dentist secretary also called and did not get an answer either.
XXXX has a collection on my Experian credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belongs to husband. I have also communicated this information with this company.