WillisBack/dataset-financial-user-claim huggingface dataset:
I engaged my second mortgage company back in XXXX regarding me selling my home via short sale as instructed by my first lien holder. I worked diligently with the relationship manager assigned to me to get all required documentation to them. The last item they needed was the approval from the first lien holder, which I did not have and I instructed them that I would send it as soon as I received it. I continued to keep the second lien holder abreast of the first lien holders position, but after my file being opened for over 3 months they told me that they would have to close my file and I would need to start the process from scratch! I pleaded with them not to close the file as I was told by the first lien holder that I would have the approval within a couple of days. They still closed my file and I received the first lien holder approval and a close date that next day and called the second lien holder who told me that my file was closed and all I could do was to resubmit. I resubmitted everything that day and then the back and forth with the second lien holder started again where they would tell me that they did n't receive one thing or the other. Every time they said they did n't get something that I had sent, I would immediately send it so as not to delay the process knowing the closing was already set by the first lien holder. Finally, 2 1/2 weeks prior to the scheduled close date, they said that they had everything but would need to perform their own appraisal because for some reason they said that they could not accept the one performed by the first lien. Again, I pleaded that the deadline to close was quickly approaching and they still claimed they had to do their own BPO. I and my realtor have been following up with the relationship manager at Citizens the second lien holder for the last 2 1/2 weeks about the appraisal and still none has been done and they still have yet to issue their approval on the short sale. The fist lien holder has instructed that they will foreclose if we do n't close by the deadline, but may be able to push the closing out if it slips, but no promises. I feel that the second lien holder has been dragging their feet with the whole process and is not being compliant or working diligently to assure that the short sale closes. Seems they are trying to force a foreclosure by their negligent acts and I would like for someone to look into this. As of today, I have been reaching out daily and was told that they file is with the processor, but still no appraisal. The closing date is set for next Monday, but still not approval from the second lien holder and dragging feet. Please look into this!!
I have a loan with EDFINANCIAL. 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 EDFINANCIAL 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 XXXX XXXX / XXXX XXXX.
I applied for a payday loan and was approved. After being approved and making XXXX payment of {$210.00} to the company whose full address and name is listed below, I found out before having to make the next payment that we would in fact have to pay a finance charge of {$3600.00} which would be spread out between XXXX payments lasting a year which would begin decreasing through the life of the loan. Our initial loan was for {$600.00} and by XXXX XXXX of 2017 we will have paid a total of {$4200.00} which is more than 7 times our initial loan. When I applied and was approved for the loan I had no idea they were going to be making me pay so much. I can understand having to pay some money more over a couple of months, but 7 times the money I borrowed seems illegal. Below is the address and name of the company. 

Red Rock Tribal Lending, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MI XXXX
Ocwen holds the XXXX mortgage on my condo. I fell behind in my payments due to my income being reduced by more than XXXX %. I have been trying to work with them on reducing my payments. Each time I call my relationship manager, they are never available and whomever I speak with does n't take me seriously and are not helpful. I tell them I do n't understand why they are unable to reduce my payments and work out a repayment plan. The last time I spoke to someone regarding a repayment plan, he said he would send me an email for me to accept the arrangement. I never received an email nor did they call. I 've followed up with Ocwen on numerous ocassions and am still trying to speak with my relationship manager. I feel as though Ocwen is bullying me and are not trying to help me keep my home. I 'm not sure if it is a language barrier as everyone seems to be in XXXX. They are not a consumer friendly financial institution. They never mention anything about President Obama 's housing programs that you hear so much about to assist homeowners. I 've worked very hard for my home. Since my income was reduced drastically, I 've done everything I can to get this worked out.
This letter is being sent to you in response to a listing on my credit report from CREDIT CHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDIT CHECK TOTAL. 
For the purposes of XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
I was advised to consolidate my federal Parent Plus loan taken out for my daughter 's education with my regular federal student loans taken out for my own education. Now I am not eligible for lower payments using the REPAYE program because the XXXX Parent Plus loan consolidated makes all the loans ineligible. The Parent Plus loan is less than XXXX % of the total owed. Now I am told there is no way to extricate the Parent Plus loan and my monthly student loan payment is over {$1000.00}. I feel that I was not given adequate information by all parties involved ( Federal government and lender ) about the ramifications of including the Parent Plus loan in my consolidation. I also feel the REPAYE loan eligibility requirement that states any amount of Parent Plus loan in a consolidation of other loans that would be eligible is draconian and discriminatory if no option to remove the loan from the consolidation is offered.
When I took out the reverse Mortgage, I did not qualify for tax exemption so I paid property tax. Then I was granted tax exempt status, however the mortgage company continued to pay the tax. They said I owed $ XXXX, I did not have the money so they started threatening me with foreclosure. I made a payment plan and paid the amount down to $ XXXX, however mortgage was sold to XXXX XXXX. I tried to make a payment plan, however I was told my income did not qualify, so they began constantly calling and threatening foreclosure. I filed a complaint, then I was told due to my age I could have my physician complete a form explaining my XXXX, because I survive on Social Security. Form was completed and submitted in XX/XX/XXXX ; I was told it was approved for 1 year, however I recently began receiving letters and an individual arriving at my home requesting my proof of my identification, which I provided. On, XX/XX/XXXX, I received a call from a representative from Champion Mortgage once again stating she was going to foreclose on my home. I am XXXX years old, XXXX XXXX XXXX XXXX XXXX   due to XXXX, and fighting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I under went treatment for XXXX XXXX and my age alone makes things difficult for me. This is my only home, yet once they offered me $ XXXX to relinquish it to them so they don't foreclose on me. I have told them my income has not changed enough for me to qualify for a loan or repay the reverse mortgage. It seems as if they are going to harass me until I have a XXXX or XXXX XXXX, so they can get the home. I can make a {$25.00} a month payment if that is what they want, however they said I did not qualify for a payment plan. I sent a certified letter asking them do I need to have my physician complete another form, if so, advise me of that rather than constantly threatening to foreclose on my only residence. The representatives seem to past my file around seeing who can force me to pay money I simply don't have.
i took out a new cc from AMEX and explained to the person that i had once had this cc and had cancelled it. i asked if the bonus of spending {$1000.00} and receiving {$100.00} back would still be honored. He assured me it would. i received the card, called back and was told that they would not honor it. I gave them the name of the rep and the date and time of the call which he said was recorded and i have never heard from them although i called XXXX times already.
XXXX XXXX from XXXX XXXX XXXX called my job and work issued phone. I told her not to call either phone. She threatened to call my HR department. I told her that she is not to call my place of employment and my work issued phone. She told me that she can call if she wants. Then she continued to call, spoke to my coworker then she called my work issue phone from an unknown number. It got to the point where she was hanging up. I called the number back that showed up on my personal and work issued phone, she refused to talk to me and had her supervisor speak to me. He tried to verify my information on me which I refused to agree to. He never told me what the call was for. I told him that they are harassing me at this point and need to stop calling. I blocked the number from both of my phones. They attempted to call from an XXXX number and I blocked that as well. The supervisor told me that they can legally call my job and work issued phone. I got extremely angry and pretty much let him know that I will file a complaint against this company along with him and XXXX XXXX. I believe the supervisor 's name is XXXX. When they called my personal phone, they did not leave a message. They just kept calling all XXXX numbers. They are extremely harassing. If I had not blocked them from calling. I am sure they will continue to call me. The phone number to this company is XXXX XXXX XXXX and XXXX XXXX XXXX.
I track my credit via XXXX. In XX/XX/XXXX, I noticed there was a hard credit pull added to my Equifax report from a company called XXXX - it appears to be an online clothing store, under the umbrella of XXXX XXXX, based on XXXX, Wisconsin. I am not a customer of this company. The pull is dated XX/XX/XXXX. I called XXXX to ask why they pulled my credit without my consent, they said they have no record of doing so, and were unable to clear it from their end. They said to file a dispute with Equifax to request the removal. I filed the report with Equifax, they closed my request, sent me a letter outlining why a third party could access my credit, none of which was applicable to my case, as I did not request to do business with the company in question. I filed a second dispute, which was closed without comment.
Chase card shows minimum payment due payment of $ XXXX monthly paid. The card total balance due is automatically paid off every month. Averaging {$1200.00} per month.
Santander Consumer USA is practicing unfair loans, they add interest to your car daily along side the interest that 's already added. They also make it where if you pay on time, that they find a way to get your payment late to add interest, please help do something about this company im begging you ive paid XXXX dollars on my loan and only XXXX dollars of it has been applied to it.
XXXX AND EQUIFAX ARE INCORRECTLY REPORTING MY PAID OFF ACCOUNT AS A CHARGE OFF. THIS ITEM SHOULD SHOW PAYS AS AGREED IN SETTLEMENT, NOT A CHARGE OFF. THIS FALSE REPRESENTATION ON MY ATTACHED CREDIT REPORT MAKES IT LOOK LIKE ALLY HAS GIVEN UP ON TRYING TO RECEIVE THE PAYMENTS AND HAS TAKEN SOME LOSS. THIS ACCOUNT IS PAID IN FULL VIA SETTLEMENT. ADDITIONALLY THE TERM SHOWS 40 MONTHS WITH A {$640.00} PAYMENT, TERM WAS 39 MONTHS, AND THERE IS NO BALANCE OWING. KINDLY HELP IN UPDATING THIS INFORMATION.
My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.
I have specified multiple times to FedLoan Servicing how I would like payments applied to my student loan. I told them I would like and amount I pay, over the minimum monthly payment, to be applied to the principal of my loan with the highest interest rate. I have told them this through their online messaging system as well as through postal mail. I also specify this in the memo portion of the check I send to them. They have acknowledged receipt of these instructions and have told me they will apply my payments to the loans in the way I have instructed. Sometimes, they apply my payment correctly, other times they do n't. When they do n't, I have emailed them and messaged them asking them to correct the issue and ask if there is anything I can do differently to avoid the problem next time. They never respond to me or correct their error. I feel they are are either intentionally incorrectly applying my payments to nickel and dime me into paying more interest, or that they are unintentionally making the same error multiple times. Either way, when I contact them to inquire about the issue, they should respond and they should correct their mistake. I know for a fact that I am not the only one this is happening to, as I have multiple friends who have experienced the same thing. 

I believe they made this mistake on payments to my account credited XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.
Please read all the numbers thank you. I appreciate your patience. I am allowing 24 hours for this investigation to be resolved positively because my rights has been violated with my consent to place unverifiable information directly on my credit report without using steps to verify this account or inquiry by law you are required to use important steps which no credit reporting bureau ever does. It 's the love to profit on a consumer to place an inquiry onto reports of consumers. Now that 's violating and breaking the law. You are considered a criminal by going onto my credit file without my consent to place inquires and accounts on my credit file that I 'm unaware of. Please continue to read and look at the attachment photos of the inquiries, and accounts that I 'm unaware of and have no clue of. It is your job to keep consumers safe, but you guys rather Breach out information to profit any way you guys know how. 


1. Not a credit repair company. 
2. Please do not provide me with any bogus generated codes or bogus verified information. 
3. On going situation. 
4. Please take me through the verifying process that you used to determine that this inquiry is actually mine. 
5. By law if you ca n't verify and inquiry or an account100 % you ca n't place it on any consumers credit file. 
6. You are violating The FCRA law section 609. 
7. I have attached pictures of the inquiries. 
8. If this is n't resolved I will file a law suit at the county court house for violating my rights, violating the law bearing information on a consumers report without their consent that is n't 100 % verifiable, you do n't have original actual documents stating any facts. 
9. I am unaware of the inquiries and I explained that several times to very rude TransUnion Reps who refuse to cooperate with the consumer. 
10. I have suffered from XXXX, lost of job, lack of sleep, XXXX, fear for my life, the Credit Breach has affected me. 
11. As you can clearly see this is n't a computer person nor is it a credit repair company. I am aware that my rights we 're violated and I am making you aware of it. 12. I have contacted the county courthouse, State Attorneys office, BBB, FTC, to complain and place public information of the complaint via online public records on XX/XX/XXXX. The only account that I am aware of is XXXX XX/XX/XXXX that 's the only one for a total of {$1800.00}. The rest I am unaware of them. I sent in information months ago and the accounts we 're removed because their was n't 100 % verifiable and a few months later they we 're place back on my TransUnion credit report which makes it weird because I sent in documents including police reports stating my facts and like I said it was removed for a few months but placed back on my credit report. Violating several laws in FCRA is not what I 'm going to allow you to do. I know my rights and shall stand firmly on the knowledge of laws to protect my rights and my credit report. Please do not attempt to degrade and violate my intelligence.
I am currently using the app   XXXX   XXXX   and my bank isnt sending my informati on I request as needed. ( Account balance/banking ). I 'd really appreciate if they started to send my information and be on top of it.
Midland Credit failed to verify and validate all data for this account, and is being reported FRAUDULENTLY on my credit report. 
They sent me back basic information on the account, not the detailed information I requested. They also sent me paperwork on other accounts I did not request. They continue to change information and change dates of account on my credit report without validating or verifying the information. They are breaking the law!
Due to customer service and other financial consumer reasons I chose to move my service from XXXX to XXXX back in XX/XX/XXXX. I always paid my bills on time every month when I was at XXXX. I called XXXX to notify them that I was switching my service and that I would continue to pay my account monthly. This was back in XXXX of XXXX. Below is a list of payment I made to XXXX per normal bill paying and arrangements. I will include these paid charges in the upload process filed as part of this complaint. Billing History XX/XX/XXXX - XXXX PAID **Service Canceled** XX/XX/XXXX- Canceled Service With XXXX - No user related monthly charges. XX/XX/XXXX - Final bill from XXXX for billing period XX/XX/XXXX-XX/XX/XXXX - Received Final Bill from XXXX for {$930.00} for equipment charges. XX/XX/XXXX - Paid {$200.00} which reduced balance to {$730.00} XX/XX/XXXX - Paid {$730.00} which was the full payment required to payoff balance. On XX/XX/XXXX - XXXX XXXX ( Collection Agency for XXXX ) - Reported me late to all three credit reporting agencies ( XXXX, XXXX, XXXX ) for owning {$930.00} to XXXX. - Reported again XX/XX/XXXX with paid in full. - Re-Reported XX/XX/XXXX - Report is inaccurate ( not sure why ) When this was first listed on my credit file for the very first time ( WHEN IT SHOWED UP ON MY CREDIT FILE ) was on XX/XX/XXXX for owing XXXX. I made payments from XX/XX/XXXX - XXXX of XXXX. The amount was paid in FULL before Convergent reported it or first showed up on my credit reports. Frequent requests to get this removed from my credit file have been unanswered or denied. This is a clear violation. I was making payments and this was paid. XXXX/Convergent refused to remove.
Please review previous complaint, case number XXXX, and current complaint, case number : XXXX. This complaint is related to these cases. 

I submitted a complaint against XXXX debt collection agencies, XXXX and Focus Receivables Management ( Case XXXX ) as well as XXXX XXXX XXXX ( XXXX ). I received a response from XXXX XXXX on XXXX XXXX, XXXX which is satisfactory. However, it does not look like the other debt collection agency, Focus Receivables Management, was included, so I am submitted another complaint against them. 

During an interview last month ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my Equifax credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX collections accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt ( s ) is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
I have hired credit repair agency to help remove inaccurate information on mycredit report. They have been notified and the only agency that has made adjustments to my report is XXXX. Equifax and XXXX has not complied with my request.