WillisBack/dataset-financial-user-claim huggingface dataset:
The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.
Nationstar mortgage is my loan servicer and somehow has failed to make a 2016 property tax payment. I have an escrow established since the on set of my mortgage. Although I 've been told that this was taken care of this is the 2nd delinquent tax notice informing me that my property taxes have not been paid. As previously stated included in my mortgage payment is escrowed taxes and insurance.
I 've already accrued late charges of which I do n't believe that I should be responsible for as a result of this error. Please assist me in getting the attention I deserve. I do not want to loose my home as a result of delinquent property taxes when it is escrowed. This is the first time that this has happen but I am having difficulty reaching Nationstar and getting this resolved timely ( 2nd notice which means they did n't do anything to resolve this matter the first time they were given notice ).
I have been dealing with this issue with Equifax for quite some time. I had two accounts opened without my authorization and have sent in all documentation necessary to substantiate this. Yet, Equifax continues to " re-investigate '' these accounts over and over with no result. This has been a huge burden on myself and my family because it is preventing me from purchasing a home. I need these accounts to be deleted once and for all because they are not valid.
I received a notice in the mail from PennCredit corporation stating that I owe them {$650.00}. 

They stated that the original debt was from the department of motor vehicles but they would not tell me which DMV or state. I explained to the collector that I have lived in XXXX since XX/XX/XXXX and I have no bills. 

I applied for a mortgage in XX/XX/XXXX for a rental property there was nothing in my credit report. 
I applied for a home mortgage in XX/XX/XXXX. My credit report was clear. I have purchased at least XXXX vehicles since XX/XX/XXXX.
On XXXX XXXX, 2016 I signed the contract to buy a property from XXXX. I justifiably relied on QUICKEN LOANS representations that it would supply the XXXX realtor with the appropriate VA Amendatory Clause and escape clause. However, QUICKEN LOANS supplied the realtor of XXXX with a VA clause that is categorically false and without an escape clause. The QUICKEN LOANS clause includes language that is materially different than the Department of Veterans Affairs ( " VA '' ) requires, to wit in relevant part : "... UNLESS THE PURCHASER HAS BEEN GIVEN IN ACCORDANCE WITH HUD/FHA OR VA REQUIREMENTS A WRITTEN STATEMENT ISSUED BY THE FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF VETERANS AFFAIRS OR A DIRECT ENDORSEMENT LENDER, SETTING FORTH THE APPRAISED VALUE OF THE PROPERTY OF NOT LESS THAN [ the agreed upon purchase price ] ''. 
This language directly contradicts the language required by the VA in relevant part to wit : ".... if the contract purchase price or cost exceeds the reasonable value of the property established by the Department of Veterans Affairs. "
XXXX XXXX XXXX is reporting on experian XXXX and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.
Discover Card offered me a XXXX percent rate for life in XXXX which expired in XXXX XXXX unless I made XXXX purchases a month. I accepted and transferred a balance. I also was moving and subscribed to online statements, electronic notifications, and autopay. After several years now, I have discovered they expired my promotional statement in XXXX XXXX with no advance notification. Alot was going on. Several moves later and a change of bank and I looked at my Discover Card bill to see interest charges. When I produced the original paperwork my card came on ( but not he card holder formal agreement ) it lists the zero percent rate and footnotes that it is expiring in XXXX XXXX but is extendable if I meet the extenstion required transactions per month. They have now denied this, said they do not keep records longer than 7 years, and can not produce my original cardholder agreement. The fact that I do not have the formal cardholder agreement has encouraged them to decline my request to refund the interest paid even though they can not produce the original agreement either. Clearly I am upset. can you assist? thanks!
I have already lodged a complaint but apparently i did n't word this correctly. According to the law Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. I watch my credit and everything owed very very well. I have management services and monitor my credit weekly as my soft inquiries will show you. I was NEVER contacted about this debt until it was reported on my credit. At that time, i disputed because some other Medical Bills happened to come thru as well that i started a payment plan on with the same Medical Facility. Once the dispute came thru i received my first piece of mail from this company. They obviously had my address, and when i called to have them correct the issue properly they knew who i was by my telephone number. This is " parking '' debt and its not fair to the consumer which the cfpb seems to hold strong ground on. Again, as stated before. I know this is my debt and i know its something my insurance should have paid. I will in righting here agree to settle, start a payment plan until the insurance pays what they should, but thats only when this company does this correctly. The day they remove this from my report and do this legally is the day you we start a payment plan to settle this. Parking a debt is illegal and damaging to the consumer. This is my last attempt before retaining my council.
This company is coming after me for an alleged debt. this was a rental property where the company had unbearable living conditions. So due to me being pregnant I decided to move with the manager 's approval. So the contract with rental property is over XXXX years ago. 
I informed the collection agency that the alleged debt is over XXXX years old and asked them to validate. and to date no response.
I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
I opened an account with American Express under the following terms, as confirmed by their own customer service representative and in my card contract : " XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' The terms of this offer were met by XX/XX/XXXX. As an example, I spent {$2200.00} in my third month of card membership ALONE. My account was not credited with the award miles within the one-two billing statements quoted in the contract. I opened an issue with the customer service on XX/XX/XXXX. I was told to wait 6-8 weeks for this to be resolved. During this time, I never received an update or resolution. After opening an initial complaint with XXXX, I received a letter in the mail " response '' that essentially asked me to continue to wait. After 8 weeks had passed, I again checked on the status of my issue. I was informed the case was closed as a result of me contacting the XXXX. I was then told to wait an additional billing cycle. This was on XX/XX/XXXX. My next billing cycle began XX/XX/XXXX. I contacted the company today, XX/XX/XXXX. American Express now states that their resolution team is working on the issue and will contact me when there is a resolution. There is no quoted timeline for resolution, despite having had over 12 weeks to work on this issue. The resolution of this issue is very simple. All that needs to happen is for an individual to look at my first three credits to confirm that I spent well over {$3000.00} on this card in the required time frame. This should take less than 5 minutes. There is absolutely no reason this could not have been accomplished in the last 3 months. I feel American Express has not followed through on their terms of the contract, is using stalling and stonewalling techniques to continue their lack of follow through, and has not made any forward movement on this simple, outstanding matter.
This company named Tek Collect Inc, has a put a collection account on my credit report that is not supposed to be there. 

The original creditor was paid in full. The original creditor informed me that Tek Collect Inc, was not supposed to list this account on my credit reports. The original creditor also informed me, that they told Tek Collect Inc to remove this erroneous account off my credit reports. But Tek Collect Inc will not and the account is still showing on my credit reports. 

Tek Collect Inc, has knowingly violated the FCRA, but placing erroneous and fraudulent information on my credit reports. Please make them remove this account. 

Account Name : Tek Collect Inc Account Number : XXXX Thank you for your help
I applied for a refinance in late XX/XX/XXXX. Loan docs were signed XX/XX/XXXX. My first house payment was not due until XX/XX/XXXX. In XX/XX/XXXX I did not receive any payment notification stub. I received a voice message XX/XX/XXXX regarding my mortgage and to call the lender, which I did, on XX/XX/XXXX, to find out that I was speaking with a new mortgage company, XXXX XXXX, and my loan was sold XX/XX/XXXX. Because of late notice my first house payment due XX/XX/XXXX was waived and first payment would be XX/XX/XXXX. I received a letter from Commerce Home Mortgage, first mortgage lender that sold my loan, stating I owed {$7900.00}. I contacted the mortgage person, who helped me get my current refinance, on XXXXHe then texted that after speaking with the first mortgage lender that I need to pay the first payment of {$2600.00} that was due in XXXX. All this texting and documentation occurred XX/XX/XXXX and I was told that to wait until further word from the first mortgage lender. Today XX/XX/XXXX I received word to pay up the first month. The loan officer for Commerce Home Mortgage, XXXX XXXX, wanted overnight delivery ASAP. Because I want the harassment to stop I stated I would send out the payment on XXXX/XXXX/XXXX in the afternoon. 
I am being harassed for miscommunication between my first mortgage lender and my current mortgage lender. To rectify their mistake Commerce Home Mortgage is taking their mistake out on me. The only notification I ever received from them prior to the harassment was a letter of my loan being sold and that was dated XX/XX/XXXX.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
There was a total of XXXX accounts that where opened fraudulently through USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. USAA refused to help me with this matter and claimed that I was responsible for the fraud.
I recently applied for a Macy 's credit card on Macy 's website. The website said that it required further processing and that I would receive a letter in 7 to 10 days. I received the letter ( which I 've included ) saying they were unable to open an account because they could not confirm my identity, and to call them. I called them and they ask me a couple of questions and said to hold they would finish processing my application. They DID NOT tell me they were running my credit for a second time! When they got back on the line they said I was declined because of my credit score. The letter said they could n't verify my identity and nothing about my credit score which they already new. They had ALREADY pulled my credit on XX/XX/XXXX when they sent me the letter. When they put me on hold and ran it again on XX/XX/XXXX without telling me they were doing that, it dropped my credit score XXXX points! That was the second time they ran it in 10 days. I would never have allowed them to run my credit a second time knowing they had just ran it on XX/XX/XXXX. I monitor my credit closely and was immediately alerted when my score dropped XXXX points. This has now dropped my credit rating to fair instead of good.
OCWEN Mortgage Servicing is taking my home through the foreclosure process, even though they have never taken a look at helping me with my mortgage. They have been combative through the court system and I have reached the end of my resources and am in the final stages of foreclosure. I have used several attorneys to try to help me get things back on track from suing them for giving me a fraudulent loan to attempting a loan modification. However, I am so frustrated that they have not helped me with my FHA loan, even though I have tried for the last nine years to get my loan back on track. 

I had a significant health issue which has left me XXXX since XXXX and have been on a limited income since that time. Due to a malpractice settlement, I was given {$250000.00} and used {$100000.00} of it to purchase my home in XXXX. The loan agent told me that I would be able to refinance my loan to a lower payment and receive all of my down payment back. I contacted him after the year was up and he began the refinance process. He told me that I would get everything that we discussed the year prior. After the refinance was, I was absolutely shocked when I received a check for only {$7000.00} and my payment tripled. I was conned in the worst way possible and basically, XXXX XXXX was stolen from me and I was put into a loan that I could not afford. I burned through all of my remaining money, which I had to live off of for the rest of my life, in order to make the mortgage payment. 

As I watched my money disappear, I decided to hire an attorney to help me get out of this loan and make things right. I went through several attorneys who said that there is nothing they could do and that OCWEN wouldnt even work with me to modify my loan. This has been an absolute nightmare and OCWEN isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible.
I 've been trying to submit complaints to EXPERIAN for some reason they keep sending me fraudelent dispute letters back. Guess this leaves me with no other option but to file complaints .... 

XXXX XXXX XXXX XXXX XXXX, #! XXXX. # XXXX, # XXXX, # XXXX, # XXXX, XXXX FIRST AND FOREMOST BEFORE YOU " VERIFY '' THIS ACCOUNT XXXX XXXX XXXX IS OPERATING WITH AN INACTIVE LICENSE IN THE STATE OF LOUISIANA!!!!! THAT IS ILLEGAL. SECOND, I HAVE NEVERRRRRRR GIVEN XXXX XXXX XXXX OR ANYONE ELSE ACCESS TO MY MEDICAL INFORMATION!!!!!!!!! PLEASE REMOVE THESE ACCOUNTS!!!!!!!!! 

XXXX XXXX # XXXX I have never done business with nor have i been contacted by this company. Please remove. 

- XXXX XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove!!!! 

XXXX XXXX # XXXX I have never heard of XXXX XXXX . I have never done business with XXXX XXXX. I do n't owe this debt they claim i owe. Please remove. 

-XXXX # XXXX I have NEVER done business with XXXX ... .Please remove. 

I know that mistakes happen but it should not happen at my credit 's expense!!!!! 


also these addresses are incorrect. i have NEVER lived here ... 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
I have contacted them numerous times. I have emailed all documentation. Nobody responds or has contacted me. Meanwhile fraudulent account is opened under my name and ssn and nobody has done anything to help me.
I recently pulled my credit report from all three bureaus and noticed that Equifax is reporting my name incorrectly. I clicked on the link to file a dispute XXXX XXXX XXXX, however the link is broken and shows a blank white page. I had no issue with updating information through XXXX and XXXX online. It should be just as convenient with Equifax.
This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.
I have disputed this Debt XXXX times already. I have contacted the company. This collection agency has NEVER contacted me about this debt, they just slapped it on my credit report. The XXXX times I called them I was told they could not give me any information on this debt, had no bill and could not show me what they claim I owe this debt for. They could not provide me with that. This is a cell phone bill. It was with a different collection agency before and I went through this same thing with them. I have not had XXXX XXXX ( original debtor ) since 2009. I canceled the month-to-month service I had with them. ( I was no longer under contract, it had expired already ). My monthly bill was {$150.00} for cellular service and wireless internet, together. I canceled this XX/XX/2009. I was told when I canceled they would pro-rate that bill. I did not hear from XXXX or receive a final bill from them. Then here it is 8 years later and I am now having to dispute this because XXXX is stating I owe {$700.00}? for what? They canceled my service when I asked them to so its not for service. My phone was already paid for, I bought it outright before going to XXXX. So why cant they tell me what this bill is for? I did speak to a previous collection agency several years ago and I told them this very thing I am telling you and that I owed for the pro-rated XX/XX/XXXX but nothing more. I even offered to pay for the full month at {$150.00} and they refused to accept the payment. I know what I owed and I was willing to pay for the entire month but since they refused the money, I do not owe this debt. Please remove this from my credit report. You have never tried to contact me about this, have never been able to provide any proof ( or an actual bill ), you then refused a payment and those things alone tells me you do n't really want to collect on this, just want to keep me angry by keeping it on my credit report. I want this off my credit reports with XXXX, XXXX, and XXXX.
Wells Fargo has reported late payments on a closed account from XX/XX/2012. I have never paid this account late.
Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.