WillisBack/dataset-financial-user-claim huggingface dataset:
We started the short sale with ShellPoint XX/XX/2016. On XX/XX/XXXX they did a drive-by valuation resulting in a value of XXXX. We then initiated a value dispute due to the documented damage to the property. We were told it would take 7 days to return a decision on that value dispute. It took 16 days to get them to tell us the results - they said this was " Due to an interior appraisal that was performed on XX/XX/XXXX ''. We were told that the " new interior appraisal '' returned a value of XXXX. When we were sent a copy of that " interior appraisal '' it turns out it was another exterior valuation only. They lied to us. -- -- -- Please see attached - it is circled in red. 

There are NO interior pictures from the appraiser. It is obvious he never entered the property. 

The square footage listed on the BPO is not remotely correct. The county records have the property listed at XXXX square feet. The appraiser listed the square footage at XXXX - see attached circled in red. 

No working furnace. The property is in the mountains where it is currently below freezing - and has been for some time. 

ShellPoint has outright refused to acknowledge verified real damage that would prevent any conventional buyer from obtaining a loan. 

We have brought these issues up to ShellPoint multiple times. Each time they ignore the factual evidence in this short sale.
I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to XXXX and Experian. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.
This is a second complaint. PennyMac has stated they denied my modification in prior CFPB response because I have not made 12 payments on the loan. This is not what their customer service rep stated and what their denial letter states. " We are unable to offer you a modification because you obtained your loan within the last 12 months. '' I was advised by origination date verbally on the phone and told to reapply in XXXX and both denial letters to do not reference having not made 12 payments.
I have been affected by the downturn in the economy since the market crashed XX/XX/2008. I have been on and off public assistance and unemployment, whilst seeking work in my field. I fell behind taking care of my Perkins loan, although I tried to get it out of collections, I let it slide, and it transferred from agency. I am finally in the process of getting my life back on track with a contract position. I was incensed, however when I received a call from " Conserve '' at my job today. They were very hostile and aggressive. I asked them who they were and for an email or web site, and they would not cooperate. They embarrassed me whilst I was trying to work to pay my bills, and debt that capitalizes daily. I have enough stress in my life trying to pay for food and a roof over my head, and I do not need to have my place of work interrupted with rude debt collectors. Why ca n't I roll this perkins debt into one of my consolidations? Why must I be harassed, while I am trying to keep my employment? I have enough anxiety trying to perform well at work, I do n't need to worry about losing my job because a debt collector is calling. People are cut throat enough, I do n't need this XXXX. XXXX, I ca n't deal with this. Their number is XXXX. I am not giving out my personal information to a stranger, who would n't even be forthright with whom they were. I am already on income based repayment. Please help.
Short Story : They impound our taxes each month, which totals over {$11000.00} per year. Unfortunately, although they deducted the money from our escrow account, they never paid the second installment of our taxes. We had started the process of refinancing and our new mortgage company XXXX had to pay the taxes on our behalf. Now we owe XXXX {$6600.00} for taxes that were already escrowed by Nationstar. Nationstar is not returning the money. 

Details : XX/XX/XXXX : They record a deduction from our Escrow Account of {$6000.00} XX/XX/XXXX : Taxes are due to the County of XXXX XX/XX/XXXX : Nationstar Mortgage provides a payoff statement to XXXX showing that the taxes were already paid XX/XX/XXXX ( not exactly sure of the date ) : We settled a refinance with Nationstar XX/XX/XXXX : XXXX sends us a letter that our taxes were delinquent and that they paid them, including the penalty fee of {$600.00}. XXXX tells us that we now have to pay them back the {$6600.00} over the next twelve months. 
XX/XX/XXXX : Spoke with XXXX at Nationstar and opened a case, which she said would resolve in 5 days. 
XX/XX/XXXX : Followed up with XXXX at Nationstar. He has no news. 
XX/XX/XXXX : Spoke with XXXX who is able to see a tracking number for the loan payment, however that tracking number shows as 'Tracking ' XX/XX/XXXX : Spoke with XXXX at Nationstar . She was able to explain that the tracking number I was given was not a wire number, as I was originally told, but was a XXXX number. I am able to search the number and see that a label was created on XX/XX/XXXX, but nothing was shipped. However, that same tracking number is also used for a separate package that was XXXX from XXXX, TX to XXXX. It shipped on XX/XX/XXXX and arrived on XX/XX/XXXX. 
I was transferred to XXXX at Nationstar who promised to look into it. 
XX/XX/XXXX : Left a message for XXXX. 
Never got a call back from XXXX. 
XX/XX/XXXX : Spoke with XXXX at Nationstar. Finally got transferred to XXXX who was helpful. He investigated and said that the check was sent to the County of XXXX. The County of XXXX was returning it to Nationstar and they will issue us a refund. He said it would take a couple of days. He said it might take 5 days to process. 
XX/XX/XXXX : XXXX called me to let me know that a check was coming and gave me a XXXX tracking number. He said the check should arrive by Tuesday XX/XX/XXXX. 
XX/XX/XXXX : According to the XXXX Tracking number nothing was ever shipped. A label was created, but that is it. Left a voicemail for XXXX XX/XX/XXXX : XXXX never called back so I called him again and left a message.
I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay.
I found out that my information was hacked after reading about it in the XXXX XXXX XXXX. Equifax made no effort to notify me and I still have n't been contacted directly. I 've tried to find out via Equifax 's website the extent of the hack, but could not find out any useful information. 

I 've put fraud alerts on my credit with each agency, and will continue to renew.
On XX/XX/2018 ( XXXX  ) XX/XX/2018 ( XXXX ) and XX/XX/2018 ( XXXX ) I sent an electronic disputes for Ability Recovery Services stating that I owe them {$1000.00}. I received my credit reports back from all three credit bureaus stating it is " verified ''. I have sent two letters to Ability Recovery Services asking them to validate the debt that they are claiming on my credit report. I haven't received any written correspondence from them since I sent my letter ( s ) to them. The first letter was sent on XX/XX/2018 and the next one was sent on XX/XX/2018. No letters were sent to my home stating the debt is even mine.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.
Summary : I recently applied for a AMEX XXXX XXXX XXXX American Express Luxury Card on XX/XX/XXXX. After completing the requirements of spending {$5000.00} in three months AMEX told me I would receive XXXX XXXX sign up bonus. I did not receive the XXXX point bonus. Below are the details of what AMEX said. To me this is bait and switch. I do not feel companies should be able to operate in this manner especially the banking industry. I feel AMEX should have reviewed my application up front and told me I would not be eligible for the XXXX point sign up bonus vs taking my {$450.00} fee and telling me they will not refund my fee and will not give me my bonus. How do they know I will cancel my card and take the bonus. I have only had my card for 90 days. If I were to cancel after a year then I could understand but not even giving a customer a chance to prove their loyalty does not make sense. 

On XX/XX/XXXX, I applied for the XXXX-point XXXX XXXX XXXX American Express XXXX card after speaking to an AMEX representative. I was assured by AMEX I would be eligible because I have never had this card before. I told the AMEX representative I had had the XXXX VISA XXXX XXXX XXXX XXXX points in XX/XX/XXXX and AMEX XXXX in XX/XX/XXXX and the XXXX XXXX Rewards Premier Business credit card XXXX in XX/XX/XXXX. 
I applied online on XX/XX/XXXX and was approved instantly ( there was no warning message during my application I was not eligible ). I called AMEX a couple of weeks after I received my card was assured if I spent $ XXXX in 3 months I would receive XXXX XXXX points. I followed up again approximately 75 days later and was again assured I had met the spend of $ XXXX in 3 months and will receive the sign-up bonus of XXXX XXXX points. At about 100 days I called AMEX for a status and was told by XXXX I have a Welcome offer history and would not be receiving my XXXX bonus and would not explain any details. I asked to speak to a supervisor. The supervisor stated AMEX can deny for any reason in the terms and this is what they exercised. I was told it could be because I abused points or took points and cancelled AMEX cards in the past. I told her I have always try to follow the rules and even called in ahead of time to ask AMEX if I was eligible. I asked appeal and asked for their corporate office address and process to appeal. A few minutes later I called AMEX again in hopes to speak to a supervisor with more information. I spoke a different AMEX supervisor. He was very nice and could not figure out why I was declined either but could only speculate. The only thing he could think of is AMEX and XXXX have recently got together on the XXXX/XXXX merger and are trying to root out churners. He went on to say this is a new policy only in the past couple of months and AMEX is trying to work out the details on how to stop churners. He stated he would file a case on my behalf because he did not think that I should have been denied. He opened case and wrote a summary of our conversation and informed me I should get something in 30 days. He agreed I did everything right and state if I could he would reverse because he did not see any issues.
Basically this boils down to a feeling that two nave people looking to better themselves were taken advantage of by predatory lending and now continue to slide down a slope with no hope of recovery. Navient ( XXXX XXXX ) leant my wife and I an exorbitant amount of money which clearly had no opportunity to be repaid. I have lost a home in the process and continue to be handcuffed by a debt we ca n't shrink but have watched grow exorbitantly. I would like to be responsible about getting Navient reimbursed fairly. I am seeking to have all of our loans consolidated and then the interest be brought to 0 % or there about so that my wife and I can work to pay them money owed and be done with them. We have paid nothing but interest for many, many years now and the debts have basically doubled in that time. If you suggest we file bankruptcy as a result I am looking for suggestions and assistance. I have heard horror story upon horror story about people just trying to better themselves being totally taken advantage of by a predatory system of greed.
I AM TRYIGN TO PROCESS A PAYMENT WITH XXXX TO MY LANDLORD THEY WITN ACCEPT MY NEW DEBIT CARD I MESS THEM EMAILED TEM CALLED THEM AND THEY HAVE DONE NOTHING TO FIX THEY SAY ITS MY BANK WHICH IS XXXX XXXX BUT THEY PROCESS A PAYMENT TODAY WITH SAME BANK DIFFRENT ACCOUNT THEY SAY THEY NEVER TRIED TO PROCESS PAYMENT XXXX XXXX XXXX THEY TRIED 11 TIMES I MESS THEM AND TELL THEM HEY IF I CANT PROCESS PAYMENT AM GOING TO INCUR LATE FEES THEY SAY WEREN'T PAYING THOSE AND FOR LAST 2 HOURS ASKING THEM TO FIX ISSUE ALL THEY TALK ABOUT I SLATE FEES THAT I HAVE YET TO INCUR THEY KEEP TELLING ME CALL MY BANK BUT I CALLED XXXX XXXX THEN THEM ON 3 WAY AND THEY HU CALL
Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet
XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, HSBC . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued. 


Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
1 ) NAVIENT failed to apply a payment to my account. I always pay two weeks in advance and all of a sudden, I 'm delinquent. I called and they immediately said I made the error. Once they looked into my account, they realized I was correct and revised my account. 

2 ) In addition, when I asked for forbearance, they set my payment at {$670.00}. I started paying that in XX/XX/XXXX. NAVIENT adjusted my bill to {$820.00} two months later! They said it was interest accrued during forbearance, WHICH I WAS NOT INFORMED ABOUT! 

3 ) While in forbearance, at one point my loan balance double! When I tried to call, the phone lines were jammed. Apparently everyone else 's balance double, too. Makes me concerned about the software they use and how well it is monitored.
On XX/XX/XXXX I checked my credit report on XXXX XXXX  and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.
I bought a ticket to an event at the XXXX XXXX festival that happened in XXXX NY in XXXX XXXX, 2015. Here is the event description XXXX I found out I was not going to be able to attend the event and I identified a woman ( friend of my father ) in NY who was interested in purchasing my ticket. We agreed on a price of {$45.00}, and that she would pay me via paypal. I sent her the ticket ( address in NY ) once I saw that she had submitted the money transfer. However in the subject line of the payment, she said, payment for ticket to XXXX, XXXX ( name of the event ) and now paypal is holding the money pending an XXXX investigation?? She has provided the website for the event and explanation that the transaction has no involvement with anyone in XXXX or any good coming from XXXX. This would seem to be a mistake that could easily be cleared up, but the payment was submitted on XXXX XXXX, 2015 and paypal still has n't released the payment to me. They will not give me a timeline for when the investigation will be complete or if they can simply not process the transaction and return the money to the sender. I do n't believe they should be able to hold my money indefinitely. This guilty by 'word association ' is bordering on ridiculous.
I have several XXXX XXXX credit cards that I have falled deliquent on. I have recieved several calls a day to my cell, my husbands cell, my inlaws and my neighbors number. I have called and spoken with 3 different managers asking to remove all phone numbers and only communicate via mail. I have also stated that I will be filing bankruptcy within a few months and do not call me. I have continued to recieve calls and they have called in my inlaws telling them that I havent paid my credit cards in months. Then I have had several calls from " specialist XXXX '' claiming to call about my XXXX card with this bank stating since I have ignored her attemps to call me now my IGNORANCE will be documented as a refusal and she she sending my " complaint '' to a higher department. SHE LEFT THIS ON MY VOICE MAIL AFTER I CALLED and spoke to a manager telling them to cease and desit ALL PHONE NUMBERS and I am continued to be harrassed
XXXX XXXXAccount XXXXChaseXXXX XXXX Ohio XXXXJust received another telephone call today that was rude, arrogant and very antagonistic. I 'm told by Customer Service folks that the telephone call was from your default section of Chase. 

You have been told to stop these antagonizing telephone calls and correspondence with this threat. You continue to ignore my instructions to stop. Once again these calls and letters with this threat must stop. 

On hold for XXXX minutes so far today and still your representatives lie and tell me there is a law that requires them to make this threat. Left message for XXXX XXXX ( sp ) for a call back. Betcha it wo n't happen. Talked to a XXXX XXXX ( sp ) and he refused to forward the call to his supervisor after repeated requests. 

XXXX XXXX tells me that he is calling in the loan. Well now, just how do you think you 're gon na do that? THE LOAN IS CURRENT! IT HAS NEVER BEEN LATE! 
Told him to send that to me in writing ; he refused. 

This situation is intolerable and must stop.
I received a mortgage modification with XXXX a few years back that was affordable to us with a PITI payment of {$1600.00}. It was sold to Nationstar late last year and it was a seemless transitgion Went online last night to make XX/XX/XXXX payment and the screen said the payment due was {$2300.00}!!! When I called they said that there was a negative escrow balance when XXXX sold it to them, which is not possible, as I hired an attorney to do the modification and everything was in order. I spoke with manager XXXX XXXX with Nationstar and he promised he would get back to me this morning after he did his research. He also told me he would email me the results. No phone call and no email. We ca n't afford this new payment and this reeks of fraud on the highest level. I have left a message for my attorney so hopefully this will get straightened out, but what I read online and all the complaints against this company leads me to believe that they are only in this to make money off unsuspecting consumers. I am also a XXXX so I think I know what fraud is when I see it.
I do not recognize this company which has negatively affected my credit. I want for them to show any document that I have signed and agreed to which I am responsible for.