WillisBack/dataset-financial-user-claim huggingface dataset:
I have two items on my credit report for XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I have not gotten any notices in regards to these two bills from either the original creditor and the collections company. I am also getting harassing phone calls and repetitive calls as well from multiple numbers. Voice mail is a automated recording playing as a employee leaving personal information on a voice mail when one is left. The item on my credit report should not be reporting as one its not mine and two my daughter had two medical insurances and they should have been charged to them. I want these removed from my credit reports as soon as possible.
Formal written complaint : We have not received our scheduled periodic mortgage statement form the mortgage Servicer since XXXX XXXX. Change went into effect in XX/XX/XXXX across to entire organization that NO STATE Monthly Mortgage Statements would be sent to anyone where Specialized Loan Servicing was the servicer on any junior lien position. 
Called on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XXXX-There were other calls from my Wife on this account and we are deeply concerned. 
Have still not provided the requested payoff statement nor are they sending us our monthly schedule periodic payment statements. Their address on their prior statements does not match the P.O. BOX address they gave us over the phone to send payments. 
Show they are 4th in lien and thats why they are not sending mortgage statements. 
Spoke to XXXX XXXX- Company Policy. 
XXXX-Escalations This is the response I get when I try and to download the payoff quote. To date they have not sent me any payoff statement or scheduled periodic payments. XXXX stated they did not send mortgage statements any longer for loans in 4th position. 
This loan is in second positon as I explained to XXXX and told him that I had refinanced about a year ago and even paid the subordination fee to Specialized Loan Servicing. To date no scheduled periodic payment statements, no payoff, and the complete run around. XXXX the Supervisor stated that the company had changed its billing center from Georgia and they should have sent us notices about that.

After hours of efforts we are no closer to getting resolution.

Solution : Investigate Specialized Loan Servicing and bring an action for failing to send scheduled periodic payments. Compel them to fix their payoff request process, have them retract and reimburse all late fees for the period of time they have been gaming borrowers such as me and my Wife.

Have them recalculate my loan from its inception and credit all overpaid  interest and fees. The payoff shows the per diem interest rate to be 4.3496 % which no way reflects the 10.5 % actual interest rate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
XXXX XXXX XXXX , XXXX has placed me into a personal debt collection notification with XXXX for a utility bill with XXXX XXXX XXXX XXXX. The debt amount of {$440.00} is owed from a property I no longer reside in which was from XX/XX/XXXX according to XXXX XXXX, XXXX. This debt must be paid by me personally. This was addressed on XX/XX/XXXX with XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX XXXX has notified me that the debt collection is official as of XX/XX/XXXX and there was 25 point credit score reduction. As of XX/XX/XXXX at this time XXXX XXXX XXXX , XXXX has not received a meter reading statement nor a utility bill for this debt. On XX/XX/XXXX I meet the written requirements of drafting a letter correspondence and mailing the meter and bill requests to XXXX XXXX  XXXX XXXX XXXX, NY XXXX requested by XXXX XXXX ,  XXXX based on my direct phone dialogue with XXXX XXXX, XXXX. There was a follow up call with XXXX XXXX XXXX , XXXX on XX/XX/XXXX in regards to them proving a bill, a proper contact with the Utility and there was differed statement that the manager is out of the office and would speak to me on Monday XX/XX/XXXX. I pressed again the notion to the agent from XXXX XXXX XXXX , XXXX which was do have bill for this debt and the agent debt collector wanted to get off the phone when I recited IRS and Federal Energy Regulatory Commission Obligations that the utility must proceed to provide in record keeping.
In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge.
XXXX  XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX and Transunion, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX   XXXX XXXX/XXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XX/XX/XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Experian is reporting items on my credit report that are result of identity theft. I am victim of a organized crime ring where crooks stole my identity to obtain loans, credit cards and other things. I supplied Experian with a police report ( that I completed in person with a police officer at the police station ) and my FTC ID Affidavit which was signed by the same officer at the police station ( in person ). 

Experian deleted one account that was mentioned in the above legal documents. There are other accounts they did not remove which is a violation of my consumer rights. According to the FTC and FCRA, if a ID theft victim submits a ID Theft Affidavit that is signed by a police officer, CRA 's by law are required to block the noted accounts withing 4 business days of receiving notice. 

I spoke to XXXX at Experian 's XXXX, TX office who's part of " XXXX XXXX '' yesterday. She informed me that my police reports and ID Theft Affidavit were being verified by Experian 's security department. She then went on to say once the documents are verified they will block the noted accounts. Experian verified my reports yesterday evening however only blocked one item that was mentioned in the legal documents and not the other accounts. 

Not to mention, the accounts that they did not remove are not complete ; they are all missing important data such as incomplete payment histories, no monthly payment, statuses listed as " unknown '', balances left blank and much more. These errors causes my credit score to suffer and does not paint a complete picture to creditors of my credit worthiness. This in turn will cause me to not be approved for credit and/or receive higher rates and costs than usual. 

At this point I am starting to believe Experian is purposely being non-compliant and negligent, which is all grounds for a civil lawsuit pursuant to FCRA section 616 and 617. I am at my wits end, if these accounts are not removed immediately I will be left with no choice but to file a civil lawsuit in my county naming Experian as a defendant. Please note that if it gets to this point I will be inluding and asking for compensation for every error Experian has made on my credit report within the last 5 years- which is A LOT! I will also submit a FTC complaint and contact the Attorney General in both our states to rectify this problem.
We have been in our home for 12 years. Never did I not want to pay our payments but could not get anyone to take our money. Sounds funny but is true .We have been working with SLS for 2 years on a loan modification that is where I fill that the scam started. To date we still are in our house with no one willing to take our payments just day to day hopping we do not lose our house. No one can give me any answers Why can I not make a payment on my house and been told to do a modification for 2 years? We been told we are to fair behind and with penalties and fees we do not qualify now sounds like a Scam to get our house, .I feel sls never was going to to anything but try and take our house. No one will listen to me yelling about it I need help something is wrong here and it is not right.I can not even get a payoff from them
Today XX/XX/XXXX I recieved a call from XXXX XXXX. I explained I had previously asked to have a billing statement to show my correct balance remaining since I am under the impression my loan balance has not reduced and had stayed at XXXX for a few years now. The individual on the phone just demanded I pay and did not want to provide a itemized statement as i requested. I provided my email address and confirmed my home address. He said the statement had been sent and I had not recieved a current statement only letters of collection. 

Called navient customer service around XXXX XXXX XX/XX/2018. 

Was informed my email address was changed from XXXX to XXXX in XX/XX/XXXX. 
I also tried before the call to retrieve my user name and password and received the message stating that navient did not have me on file. Pic attached. 

I had even tried to re register and no information was found regarding my information.
I filed a complaint with Equifax regarding my account not being updated for XXXX XXXX. I requested either the company verify info or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.
I visited XXXX XXXX XXXX ER. I was sent to collection by the physician group XXXX XXXX XXXX XXXX to XXXX in XXXX fl. 
My healthcare insurance paid this physician group yet they are still billing me. 

I have mailed letters to both the collection co and the physician group and received no accountability or detail of the debt yet they list it as disputed and verified on my credit reports
I had told Nissan Motor Acceptance in the middle of XXXX that the company that I was working for might close down or I might be starting a new position and that my car payments would potentially be late so I had told the representative that and they assured me I would not continue to get calls after that I have received 8 calls in one day 10 calls in one day six calls in one day as well as repeated voicemails in the same day that  there was nobody 's voice on it and I've told them to stop calling me I understand I owe it and it always gets paid and they didn't really seem to care I ask for their corporate number I got the corporate number and I just want them to stop calling me repeatedly because they are violating the fdcpa with abusive phone calls. I constantly hear my phone go off from several numbers linked to nissan throughout my work day. Its very distracting
Enhancement Recovery Co is reporting a debt of {$470.00} on a debt previously removed due to an account in my ex spouses name reporting by another collection agency
This collection agency, HP Sears, has listed a collection account on my credit file. I have never done business with HP Sears. I do n't have a signed contract nor any other type of contract with HP Sears. I have the right to demand to see a signed contract between myself and this company. <P/>Also as of XX/XX/2017, based on the Nevada government website for financial institutions ( fid.nv.gov ), HP Sears does not currently have a valid license in the state of Nevada to collect on debts. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and HP Sears. I also request to receive physical proof that HP Sears is licensed to collect on debts in Nevada.
XXXX is reporting a HELOC incorrectly and outside of the 7-year statute of limitations from the XX/XX/2009 letter they sent me which is attached.
We have submitted XXXX different applications for modifications XXXX with XXXX with no response 1st application was XXXX/XXXX/XXXX. The second application was submitted in XXXX XXXX but was closed due to insufficent documentation. We were never notified from servicer that they were requesting addidtional documentation. Last submission was XXXX XXXX XXXX, as of today 's date there has been no response from servicer.
I do n't know if I completed the correct box but I truly need help with Real Time Resolutions and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. Realtime Resolutions received an account from XXXX XXXX XXXX and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XXXX 2011. Realtime resolutions then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse XXXX XXXX XXXX shows in the payment history as having a balance of {$49000.00} as of XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.
I owe XXXX XXXX XXXX A total of XXXX dollars and h and have been paying XXXX monthy but they will not remove th the collection from my account. been paying for around 2 years.
I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on XXXX and Equifax. I really with this company leave me alone.
THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees.
I financed a car from Regional Acceptance Corp. a few years ago. I fell into a financial bind and could no longer afford the car. They called me XXXX evening and told me they were going to repossess the car. I gave them my permission to take the car. They said that they would sell the car. Well, as it turns out, they did sell the car and now they want {$9000.00}. from me because they did n't get the price they wanted. They 've sent me several letters asking for the money. They even sent a certified letter. The car is not worth that much and I want to be left alone. I refuse to pay for a car I no longer own. They said that they got over {$6000.00}. for the car. Well, take that and be satisfied. I will not give them any more money.
On XX/XX/2013, I XXXX with the XXXX XXXX to the XXXX XXXX. My civilian pay stopped at this point. It took many weeks after several delays for my XXXX pay to be established. During this period my HELOC payment to BMO Harris Bank was late as a result of the income lapse. Attempts have been made to have BMO Harris Bank remove this negative mark from my credit report due to my XXXX status. BMO Harris Bank has rejected my request.
TransUnion ( TU ) reported publicly that XXXX ( XXXX ) is the third party vendor that supplied the bankruptcy data. I received a report XX/XX/XXXX disputing the inaccuracy of the bankruptcy file date. XX/XX/XXXX XXXX confirmed that the filed date reported to ( TU ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to TU for correction. TU did not correct or update the credit report that reflected the correction from XXXX. TU did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time.
I have a charge on my statement from XXXX XXXX for {$12000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.
On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to TransUnion disputing inaccurate and invalid accounts on my credit file. TransUnion received the letter on XXXX XXXX, XXXXWithin 30 days I received a letter from TransUnion saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to TransUnion asking for method of verification and proof of verification. TransUnion received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from TransUnion stating the exact same thing as the first letter. The letter said the accounts have been verified. TransUnion did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to TransUnion asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from TransUnion stating again that the accounts have been verified. How can TransUnion say that they verified an account and not provide information on how the accounts was verified? How can TransUnion be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with TransUnion can report inaccurate information onto your credit file without proper verification as long as they are paying TransUnion. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thank You
I applied for a mortgage loan with NATIONSTART '' s lender. 
the closing date was on XXXX/XXXX/2016. 
I spoke all the time with XXXX XXXX Purchase Mortgage Professional NMLS : XXXX Greenlight Loans, a division of Nationstar Mortgage LLC Corporate NMLS : XXXX Phone : ( XXXX ) XXXX. 
I summited all DOCS to them. 
they knew that after 30 days of the contract, I will loss the DEPOSIT AND THE HOME INSPECTION as it was stipulated on the contract of the house. 
On XXXX/XXXX/16, I called XXXX and I asked him that the closing was on the next day XXXX/XXXX/16, he got upset with me and told me that he will return me all my documents. I NEVER requested my documents. Anyway, he sent me an e - mail saying that I requested my documents then after I requested to finish the process. XXXX XXXX sent me a DENIAL LETTER. 
I could n't understand if they told me before that the loan process was OK and that the only thing they need was to verify one document.