WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX. My work would be slow. When XXXX was servicing my loan, I would get behind but was always given the opportunity to bring everything current as I would never let it get more than 3 months delinquent. When the servicing transferred to Carrington Mortgage Servicing, I got behind by three months. In that third month, I sent in a payment. Approximately two weeks after sending the payment, I was getting ready to send a second payment when I received the first payment returned. I called to ask why and was told " you have to pay the entire amount because FHA rules state once you are three months behind you have to pay the total delinquent, it is n't Carrington rules, it 's FHA rules. '' I told them I was confused because that had never happened with XXXX and had not known that information, in response I was told " then XXXX was breaking FHA rules ''. I asked if there were any other options and I was told no. Because I did not have all of the money at that time, only two payments instead of three, things just got further behind. By the time I had the three months payment, I was four months behind and so on. 
I called again when I received the notice of default and asked if there was anything I could do to make some kind of arrangements and stop the foreclosure process as I was close to the amount needed to catch up on the delinquent amount, I was told I would be mailed information. I did not receive any additional help or information. I then decided my only option was to sell my house so I could hopefully avoid foreclosure on my own. 
I am now almost done with selling my house and called to ask if there was a way to stop incurring fees or stop the foreclosure process since I was close to being able to have the house sold. I was told no, the only way to stop the process is ask for a payoff and then pay it and that I would continue to receive penalties and attorney fees until then. 
In talking to a lender I am told that I should have been given a point of contact once I was sent the notice of default. To my knowledge, I have never received such a person. In the " foreclosure package '' I received, there is a document that that has a box checked that states that I was " personally contacted and options were discussed. '' by Carrington. This did not happen. I have been given no option other than, pay everything. Even as I called today and recorded my conversation, the representative again told me there is no option to stop the foreclosure process or incurring fees other than to request a reinstatement amount and then pay that with all penalties and fees and also a reinstatement fee or to ask for a total payoff amount and pay the loan off completely. Until I do that, nothing else can be done and attorney fees will continue to accrue. I do not feel that I have been helped in any way and had I been sent to a path of correction when I was only a few months behind and had two months of that delinquent balance, I would not be in the scared position that I am today.
Hello, I am working towards public service loan forgiveness and have an issue with the amount of qualifying payments. I submitted my employment certification form in XX/XX/XXXX and my loans were transferred to PHEAA on XX/XX/XXXX. At this time, the qualifying loan amounts show different information with only one being accurate at XXXX while the others shows XXXX and XXXX. I notified PHEAA in XX/XX/XXXX, XX/XX/XXXX, and recently in XX/XX/XXXX without any resolution of this issue.
Kia finance created XXXX accounts for my loan. I was unaware of the XXXX accounts and continued making payments under the initial account, though payments under XXXX account numbers show I have not missed a payment. They have sent me letters saying I am in default and am risking repossession. I have bank statements, as well as the combined account statements that show I have never missed a payment. I have been charged late fees, when payments have not been late. I have been unable to resolve this with Kia after months of attempts.
Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated.
My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.
Chase bank used XXXX transfer pay and my funds of {$250.00} dollars were sent to the wrong person. Chase Bank is now stating they are not responsible for XXXX transfer payment going to wrong person. I reached out to them 1 week ago and they have failed to resolve stating they cant get my money back. They also state its not their responsibility yet this is a service provided by chase. I want my funds returned,
I have disputed the information as provided in Case number : XXXX & XXXX number : XXXX with this Credit agency several times - only to be faced with we do n't have the information necessary to reverse any information, you will have to contact XXXX XXXX. All of which leads back to a dead end of my credit report having this false debt. I have provide Experian, all the information I have to prove my claim, only for them to tell me, it is up to XXXX XXXX to correct the information. Even though the information I have provide shows CLEAR inaccuracy - the agents i have spoke have repeatedly sent the same information back to XXXX XXXX for verification, only for XXXX XXXX to reply with providing blank updated information. Where is the investigation, what are the results of the investigation, What and Who said what, when and where?????
XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.
CitiMortgage is still reporting a 30 day late payment from me on both XXXX XXXX and XXXX from XX/XX/XXXX. This delinquent payment occurred 15 years & 8 months ago. CitiMortgage has been asked by XXXX XXXX on my behalf to remove this ancient information from both agencies. They are refusing to do so stating that it will not be removed until XX/XX/XXXX ( which is one month shy of 16 years ). They  are well past the statute of limitations for negatively reporting this credit issue against me.
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. 

I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! 

On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. 

I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.
i had 2 captiol one accounts, there was a lot of confusion about which account they were attempting to collect on. I was paying my card and even received XXXX for my second card. I attempted to resolve but this was pushed to collections before i could resolve it
I have ANOTHER medical company trying to collect from me. Once again I have insurance so why osnt my insurance paying.
Numerous Contacts including re-uploading receipt of payment. This company refuses to remove it from my credit report and reflect it as paid. It is a continual effort on my part to show the account was satisfied.
The problem is that every time I try to get information on my personal credit report, such as when I tried to use " XXXX XXXX '', I was blocked.Now I am for certain that someone is definitely doing something with my information.
They keep calling me from many different numbers and will not stop harassing me. Even called me at work which was inappropriate.
I had made a deposit into my account with Jp Morgan Chase Bank and a third party that had my account number and routing number went into my account without my permission and withdrew money. Not only did they withdraw money but it was for more than what I had between both savings and checking. The morning I get an email from the bank letting me know that my acct was withdrawn I called my bank and to find out why and they said that there had been XXXX separate attempts to withdraw money from my acct from this party and that XXXX had been approved even though it was fro more money than I had in acct and was then charged for XXXX insufficient fund fees.
I lost my home to forclosure, applied for loan with my local XXXX in 2008, they sold loan to phh mortgage at closing apparently, notice was given that our server was being changed from mortgage services to phh mortgage services same telephone number for both At closing we paid a full year of insurance up front, the originator XXXX XXXX presented himself as XXXX employee although he was registrated with nmls working for phh. Despite the fact I 'm told a corespondent leader could n't work for a XXXX lender at the same time in ct, XXXX became the investor and said they were involved with loan from beginning. Phh said it was n't XXXX, XXXX said they were and we never Had a true opportunity to modify our loan and yet my credit report said we had an partial payment agreement, I wish I could understand what happened so I can move on with our life, phh sent us a lettler our payment went up for lack of insurance then a lettler came that said their records show we had insurance with XXXX and they had n't received our permission to change it we had our insurance with XXXX which they paid out of funds from closing! When I failed to get anyone at phh to resolve this I called td bank na well they were baffled said the did all there closing in the bank and not at an lawyer office in which our took place they said phh had done some work for them but could n't verify our originator. If anyone could explain this relationship phh td bank XXXX I would be greatful. Oh also at one point I was told our escrow account was in the negative then while we were in court I received statement with XXXX. Dollars in the escrow, well they got it I wish I had my wits to fight
In brief, I received a settlement check for the damages on my car from XXXX   XXXX   XXXX on Thursday XX/XX/XXXX, as I went to mobile deposit the check, ( since I live in XXXX  and the closest Bank of Wells Fargo is a 4 hour drive ) I noticed for some strange reason the maxim amount to deposit a check was {$2500.00} a day, Since my check was over that amount, I contacted Wells Fargo, I was informed they had no idea why it was set at {$250000.00}. I was given the option to Overnight the check to express deposit and was given the address in XXXX  Or. which was confirmed by an employee from Wells Fargo, it was the correct address.. I went to the Post Office overnight my endorsed check along with a deposit slip, to deposit the check into my account. I did receive confirmation that Wells Fargo did receive my check the next day Friday XX/XX/XXXX at XXXX XXXX.since then, I have been given the run around, spoke and explained my situation to several employees of Wells Fargo, with no success, as to why they have not deposited the check into my account. I have claim numbers, and the names of several employees I have spoken too. This is very frustrating and the important fact that I need the money to purchase another car. In closing I was told that when the check is over nighted to this facility, the check would be deposited the same day and the money will be available, why this has not taken place, or where the check is at Wells Fargo. I am looking for the money to be credited to my account.
date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.
I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : PL XXXX
I am getting harassing phone calls from morning until night. I explain to my account holder that I was lay off at my job, for about 6 to 8 mths.But my company called me back to an new department. And can they please work with me until I get back on my feet.First I needed to find me somewhere to live because I was living in a women 's shelter. I am paying them something but not the full amount, l asked if they would wave some late fees to help me but that was a NO! All the robo calls is stressing me completely out XXXX separate numbers back to back from morning to night.Last call tonight was at XXXX.Please stop the harassing phone calls.
Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Using the US Bank mobile app, we set up a payment for our car loan ( {$510.00} ) to be taken out on XX/XX/XXXX. Unfortunately, the transaction has been withdrawn again, without authorization on XX/XX/XXXX. When my husband called to ask for the funds to be reversed, they said it was too late ( XXXX XXXX ) and that we would need to be credited back from the other ( car ) company. He was told that this could take anywhere from 10 to 14 business days. Extremely poor timing, as we have had an accepted offer for our first home and have made a mortgage agreement with US Bank. As the customer, its disheartening to 1 ) fix US Banks mistake, 2 ) not be given an explanation as to why this happened and 3 ) to wait for the amount to return to our savings in 10-14 days.
Navient started harassing me about loan repayment within two months of losing my employment, demanding unreasonable repayment options. My father had been a co-signer on one loan and they harassed him so much that he ended up paying an offer of a third of the loan which overextended him and was extremely financially damaging to him. I had tried to explain to my dad that the loans were my responsibility and I would continue repayment when I was employed again, but the harassment was so intimidating to him that he gave in to their demands. Currently, Navient has tried to sue me twice even though I remain minimally employed ( 10 hrs a week XXXX ) and am having to start a new career track. Their suits were rejected by the courts without prejudice and they continue to offer me impossible partial payment plans, which I do not have the means to pay. I believe they acted unethically to my father, not allowing me the time to stabilize my own finances and harassed him into making a bad, unnecessary financial decision that was not truly his obligation. It has permanently damaged our relationship and compromised my parents retirement plans. We are not wealthy people in the first place, and as a former XXXX, I had believed that education is the road to overcoming the poverty cycle, but it is turning out to be just the opposite. Please help me to make Navient stop pursuing legal action against me, and I would like help having the payment my father made returned to him and place that future obligation back to me to resolve it in a more realistic fashion when I am able to do so. Can you help me?
I get repeated calls from this phone number they leave a message but other it just rings and then if i do not answer they will call again the next minute. I get a minimum of 4 phone calls a day and up to 5. f or example on
XX/XX/2019 XXXX called at XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX on XX/XX/19 XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX and it is like this Monday through friday.

Pacific standard time.
XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by XXXX XXXX as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for XXXX XXXX and XXXX XXXX XXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
I am being threatened by ADR out of Texas. They said they are going to take me to court and put a judgement on me for a debit card overdrawn debt from XX/XX/XXXX. I haven't heard from anyone in years. This was my deceased husbands doing back in XX/XX/XXXX I believe. Like I said I haven't heard anything in years, until today. They are calling my family members and trying to get information from them. I did call them back and explained to them after the fact they told me what it was, after they verified my information. I did tell them that I didn't do that and that my husband did. He is now deceased, but because I was the primary account holder I have to pay over {$1000.00}. The statue of limitations has done expired on this old debt in Florida. Who can I dispute this with? I was also told that because I verified my last four of my social security and admitted because I explained to them about that account. That they have the right to serve me papers and take me to court. And put a judgement against me. Also told me good luck in a sarcastic way.This is over ten years old!!
On XXXX different occasions, written requests for information on origin of debt, the original lender, etc., was mailed and faxed. I to this day never received a response. Per my rights, I am asking XXXX to remove this debt from collections. I also am asking all credit reporting agencies to update per this request. I am also seeing that this debt is being listed on my credit report by creditor that closed and sold debt, as open again. As of 2011 it was written off.
In XX/XX/XXXX my car was totaled as a result of a hit by a drunk driver. XXXX XXXX offered a settlement value for my car and deducted {$500.00} ( my deductible ) from the offered value.I have disputed the settlement value offered since XXXX XXXX did not calculate the repairs conducted two weeks prior to the accident : new tires, new brakes front and back, new shock absorbers, etc. In a letter dated XX/XX/XXXX, XXXX XXXX from the Presidential team, agreed to pay me an extra {$500.00}, based on the Invoices received for the upgrades/repairs and the comparables from the area. I have received only one check from XXXX XXXX in the value of {$500.00}, and this was towards the settlement value of my car based on the invoices that were not fully considered. As stated, XXXX XXXX already deducted the {$500.00} deductible from the settlement value proposed, hence that deductible was already paid as per my contractual agreement. The drunk driver did not have a license, however, the truck he was driving was insured under XXXX XXXX. XXXX XXXX reimbursed me the deductible. Initially I got contacted by XXXX XXXX XXXX from XXXX XXXX, NY to claim that I owe XXXX {$500.00} for deductible. I sent all the evidence and they closed the debt. In XX/XX/XXXX I got another debt collector AFNI , Inc, claiming the same debt. I responded to them by fax on XX/XX/XXXX to dispute the debt and to provide the evidence that I do not owe this debt. 
AFNI Inc failed to validate the debt and prove that I actually owe it.XXXX sold them a debt that has no legal basis or factual evidence and AFNI is employing unorthodox procedures of harassment and intimidation to coerce me to pay this debt, when in fact they have no evidence to prove the debt owed is accurate or valid. I have notified them in writing within the 30-day period and provided evidence the debt is not valid I also requested them you cease collection of the debt, based on the evidence submitted.I asked them to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. They continue to call me, claiming they are attorneys and will file a legal action against me, send me letters and emails asking for the same evidence I sent them multiple times and they confirmed the receival. 
I feel I ca n't get anywhere with these people and their threats. What can I do?
X/X/2017 I believe that my Equifax data has been compromised by a data breach and that my identity and credit has been compromised. I have used the Equifax system to determine that my information is part of the data breach.
I have XXXX paid tax liens and a judgment on my Transunion and XXXX that are still showing when XXXX deleted them. I would like them removed from my Transunion and XXXX report as well for consistency in my credit reports.
I check my account every morning and noticed overdraft fees on my account. I called US bank to help with the issue and had little to no help in answering my question or helping with my issue. I have XXXX accounts and transferred money when I noticed XXXX overdrawn by XXXX. Although I did this I still got charged. I haved banked with this bank for years and yet I could not get them to help me in any way. I had no issue with the fee associated with the XXXX but not the others.