WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to resolve a " debt '' that is supposedly mines with " National credit system '' I have been sending them letters to verify that I signed and owe them the alleged debt, however they still have not produced any information stating what debt I owe them. Now they have put this debt into collection on my personal credit and it is damaging my credit. I never gave them permission to run, use or verbal persmission to obtain my social security number and ever since they obtained my ssn I been going through a case of identify theft. I have been trying to communicate with this third party group since may timeframe giving them 30 days to resolve the issue. They have had the last 90 days to resolve this issue and since they ca n't comply with my request I am filing a complaint.
This is a follow up to the previous complaint:XXXX Chase delayed and dodged addressing my problem and asked for additional info. I provided within 48 hours, but they closed my case anyways without addressing the issue. Here is the new info they requested : I was asked to provide the account number and opening date of this card. I earned points on two separate occasions. Here are the card numbers : XXXX - opened XXXX XXXX - opened XX/XX/XXXX Here are the terms in the email I received stating these cards were on the way : TERMS AND CONDITIONS : Plane Travel is subject to the government-imposed XXXX XXXX Security Fee of up to {$10.00} per roundtrip. Number of points required to redeem for free flights is dependent on fare availability, destination, time, and day of travel, which are subject to change. Travel good on XXXX XXXX published, scheduled service. *Points do not expire as long as you have flight or Partner earning activity every 24 months. As you can see, points should not have expired considering I had a flight in XXXX.
Every time I try to dispute inaccurate information on my credit report, Experian locks me out of my online access to my report files as well as the online document upload. I am a victim of identity theft and Experian is intentionally making this dispute process difficult for me.
Midland Credit Management , Inc. contacted me about a debt I do not owe. I never had any business with XXXX, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.
Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
this company continues to call my personal phone, my employers phone, my friends and family after repeated times of asking them to stop and only contact me via us mail. i also asked them to send me proof of the debt and they refuse. they use profanities and threaten me. they tell my family and friends to pay the debt. they just called my work and told my employee that they are collecting a debt for me and they were rude to her. i DO NOT WANT THEM TO CALL ME ANYMORE. please only contact me via us mail.
Cashnet USA keeps changing the settlement offer. I have copies if you need to see them. 
They keep changing the amount of the payment due and the loan repayment date. 

Whenever I call in to make a payment they tell me that I owe them more money,. ' XXXX XXXX
I refinanced my Mortgage with XXXX XXXX XXXX. Soon after, the mortgage and the home equity loan were both either sold to or turned over to SLS ( Specialized Loan Servicing ) to servicing. 
They have proven to be totally incompetent. I have called them on numerous occasions to complain about accuracy of statements and receiving multiple statements per month, each with different information. 
I called them again this morning, pretty upset, that I currently have XXXX separate statements from SLS for my Home Equity Loan. 

Here is a recap of the current XXXX statements I have from SLSAll XXXX state a due date of XXXX/XXXXDated XXXX : ( Why am I getting a statement a full two months before it is due? ) Amount due XXXX : {$50.00} Late fee if not paid by XXXX $ XXXXXXXXDated XXXX : Amount due XXXX : {$50.00} Late fee if not paid by XXXX : $ XXXXXXXXDated XXXX : ( apparently I have a credit? ) Amount due XXXX : $ XXXX Late fee if not paid by XXXX : {$2.00} ( why would there be a late fee or a due date if I have a credit? 

Dated XXXX : Amount due XXXX : {$50.00} Late fee if paid after XXXX : $ XXXXXXXXAs you can see, XXXX different statement dates, all say due on XXXX, yet all XXXX provide conflicting information. 
This is absurd. I do not trust these people with my money. 

I would like to know:1. 
Does XXXX XXXX XXXX still own the loan, or was it sold to SLS? XXXX XXXX XXXX tells me they sold it. SLS tells me they do not own it, are only servicing it. 
2. 
I put my trust in XXXX XXXX XXXX. I do not have any trust in SLS. I do not want them handling my money because they do so in such an irresponsible manner. If, indeed, they only service the loan - how can I have the servicing transferred to another company? 
3. 
What is SLS? Are they are servicing company? A bank? A debt collection agency? I am told different things by SLS, depending on who I speak to. On the back of their monthly statement it says " This communication is from a debt collector '' I hate to think that my mortgage and home equity loan are both owned by a debt collection agency? How can that be, when it was financed by XXXX XXXX XXXX and it has never been paid late? 
4. 
What can I do to ensure they fix the problem of multiple monthly statements, each containing different payment information? 

5. 
Mostly, what can I do to rid myself of SLS? 

Thank you, XXXX XXXX.
Chrysler Capital has charged me triple the amount of interest. They have charged me about {$15000.00} interest so far and I still have 36 months on my loan. This was a 72-month loan for the amount of XXXX. I still owe about {$19000.00} on this loan.
I was working with Republic Bank for a refinance loan. I submitted all paperwork on time. The lender was delayed in processing the paperwork and my lock rate period ended. Now this lender wants me to pay for the expenses of extending the rate lock. 
I have already given them {$390.00} to start the process. I will lose this money too because I am not going to sign up for loan.
This is a fraudulent account or someone else account appearing on my credit file I had this account investigated with Trans Union XXXX 2014 and it was removed from my credit report. Recently I check my credit reports threw XXXX XXXX and this account was reappeared once again. LONG STORY!!!!! Reinvestigated this information and it 's still showing up.
I have sent my loss payment check of XXXX for an insurance claim I filed for Hurricane Irma damage to my home. The ck was received by ( Ditech Financial ) my mortgage holder back on XX/XX/2018. I sent them all requested documents except a detailed estimate from the insurance carrier. This estimate that they are requesting was not given to me.As the claim was a negotiated settlement amount that was agreed to by both the insurance carrier and myself. No such estimate exists and i can not supply them with this document as they are requiring to release the {$28000.00} dollars that they are holding. They only sent me {$5000.00} to commence repairs. I have sent them a contract that I have with a roofer for {$7700.00}. I had to pay my public adjuster who negotiated the claim, his fee for services of {$3700.00}. for which I sent the receipt of payment. I am caught in a very difficult position of how to proceed with repairs without the necessary funds. My roof is still leaking and conditions are getting worse. Ditech refuses to release any additional funds as they tell me " their investor requires this detailed estimate to release the funds ''. This is impossible to do as my public adjuster explained to them. It is a negotiated settlement for a fixed dollar amount. My attorney sent them a letter on XXXX-18, so as to release all funds as to continue repairs, and they have ignored his petition.
I applied for a Capital One Venture Credit Card several weeks ago. On XXXX XXXX, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. 

They also stated in their report that my XXXX XXXX credit score was XXXX, dated XXXX/XXXX/2016. Just below that they wrote, " Key factors that adversely affected your credit score : Serious delinquency ; too many accounts with balances ; proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high '' This is absolutely false. I do not appreciate getting a letter accusing me of false activity with my credit. A letter stating the facts would have been acceptable and I could have proceeded from there. I can not, however, accept the fact they are sending me a form/custom letter with false information. 

Nobody ever tried to reach me, other than this email that I was n't notified that I would receive. The key factors that you say adversely affected my credit score of XXXX are in absolutely false. I have XXXX credit cards. XXXX is paid off monthly. The other has a small balance, less than {$1000.00} out of a credit limit of {$7500.00}. 

I was denied a credit card by Capital One Venture Card after they nicked my credit twice because they said, via telephone, that the credit reporting bureaus did not have my telephone number. When speaking with them they were unable to take my phone numbers verbally from me. I will look into this. There was no need to check my credit TWICE!! I do not feel they had any right to do this. Once to verify my credit and the second was unnecessary and I want it removed from my credit report because all it will do is hurt my credit report. 

It appears that Capital One Venture Card sent me a form letter of denial stating the above false information. I want the denial of credit by Capital One Venture Card to be removed from any credit reporting bureau because of their false accusations. I DO want a letter from Capital One Venture Card stating the reason I was denied, because as they told me they were unable to get my phone number from the credit bureaus.
I have been trying to get validation from this company all they keep Sending me is a old credit card bill. I never had either of the credit cards.
I received a collection letter and sent debt validation letter within 30 day period. company continued collection activity by calling me twice before verifying debt attempting to collect asking if i wanted to make arrangements to avoid litigation. they lied and said that they sent verification but they did not. they " claimed '' they sent to the incorrect address. both times i told them that i did not want to discuss until i received verification. they finally sent the verification and when i opened their letter, it was dated 3 days after their last phone call to me where i told them i would not discuss this until i receive proper verification. i was called again last week and told them i was researching what they sent me and they gave me a deadline and threatened to sue me again. the information they sent me was fabricated and unauthenticated. also per ucc, not only did the oc lie about the sale of the vehicle, they failed to send proper legal notices and is not due a deficiency judgement. and they better not lie in their response because i have every single detail well researched and documented. this has stressed me out completely and i have spent hours of my time researching this issue when i should not have to.
I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done.
I have not been able to obtain accurate account information from Navient over the past 2+ months. The problem started when I noticed that the Navient website contains account information that has an " Estimated Payment Schedule '' which lists the loan start and end payment date, and the " Total Amount to be Repaid ''. On my loan - the website states that my " Total Amount to be Repaid '' is {$55000.00}. The problem is - I have paid to date {$63000.00} - which is almost $ XXXX more than they are stating I will have to pay over the life of the loan. So either there is a mistake on my account - and my account balance should be XXXX - or the numbers on their website are grossly incorrect. Note that the total I have paid to date is calculated from the Navient website with their information - and I have confirmed this is what I have paid. 

I have both emailed and called Navient to inquire what is included in the " Total Amount to be Repaid '' and have been consistently told that this includes " payment, interest and fees '' - both in writing, and on the phone. I have also asked them to verify my " Total Amount to be Repaid '' ( {$55000.00} ) is the correct number and they have confirmed ( multiple times! ) that it is. And yet, I have paid more than that - and my account still shows that I owe XXXX {$12000.00} - so there is something very clearly wrong. This has led to a lot of stress and work on my end. It is also *exceptionally* concerning that a lender who is responsible for millions ( maybe billions ) of dollars in loans - ca n't provide timely and accurate account information. Are they willfully misleading consumers - or can they not do math? Or have I overpaid on my loan? Do I have to keep paying? Someone please help! Thanks!
MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could " see the payment in their system ''. However, they could not " verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University , XXXX XXXX MO.
Received a call from an unknown number and was informed that I would be served with legal papers on XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.
I have been wit h capital one for more than 5 years and I have   XXXX    cr edit card with them. in   XX/XX/XXXX   I called them to let them know about my wallet that has been stolen, the agent on the phon e told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 bu siness days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account.   Now, mind you I got back to the country on  XX/XX/XXXX , and I called  capital one because I never received the    XXXX   new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more tha n 3 s upervisors and they each told me the same thing that someone will get back with me on  XX/XX/XXXX .     Yesterday my lender called me and said that they can not continue with my V
A loan because capital one is reporting late charges and over the limit of {$820.00} dollars when your limit is {$750.00}, I 've never been late on this account I always pay my card at least week or two earlier than the due date. Capital one is   definitely out to hurt me or is it their objective to see more homeless  XXXX  veteran on  the street.  I am on the phone right now again with another supervisor by the name of  XXXX  and so far she has been the only that looks like she wants to help me so she says she 's going to do some more digging and call me back, and I 've been put on hold again for more than  30 m inutes just waiting and waiting. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau and fix the amount that they are reporting to the bureaus. thank you and shame on y ou Capital one  CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in  XX/XX/XXXX  and I might loose my future home for me and my family. thank you for a desperately wounded warrior.
XXXX reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.
XX/XX/XXXX XXXX I do not recognize this credit inquiry on my report, spoke to transunion but agent refuses to help regarding this issue. I have tried numerous occasions to get this deleted still to no avail. 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this credit inquiry or this bank as well on my report, spoke to transunion but agent refuses to help regarding this issue. I think my account info may have been sold or possibility of fraud. I tried many waya with transunion no help
OCWEN LOAN SERVICE & XXXX XXXX. SHAREHOLDER A schedule appointment for Monday XX/XX/XXXX OCWEN RELATION MGR. 
NEVER CALL ME AT XXXX PM. THIS IS THE THIRD TIME SINCE XX/XX/XXXX. 
TO GO OVER THE NEW PACKAGE SENT IN XX/XX/XXXX. EVERY TIME YOU CALL ASSIGNED OCWEN ( RM ) NEVER AVAILABLE THERE NO LOAN MODIFY YET SINCE XX/XX/XXXX, I APPLY FOR AFFORDABLE HOME LOAN, HARP LOAN. IM XXXX YRS. 
To : " XXXXXXXXXXXX '' XXXX " Relationship Manager '' OCWEN PERSON NEVER CONTACTED ME ON XX/XX/XXXX FOR SCHEDULED APPOINTMENT THIS IS THE THIRD TIME.. 
I CALL IN AND ASK WHY NO. VERY FRUSTRATE .THE RM RESCHEDULED APPT. 
FOR XX/XX/XXXX WHOM WAS STILL NOT XXXX .RM ASK ME WHAT I WANTED. WHEN HE CALL. NEVER WENT OVER PAPER WORK.. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On Wed, XX/XX/XXXX, Relationship Manager XXXX wrote : Subject : Important Account Information To : " XXXXXXXXXXXX '' XXXX ; Date : Wednesday, XX/XX/XXXX, XXXX Dear XXXX, Our records indicate you have spoken with one of our Relationship Managers ( RM ) on your scheduled appointment on XX/XX/XXXX. PLEASE PLEASE PLEASE DO SOMETHING ABOUT OCWEN LOAN OR FINANCIAL THIS BEEN GOING ON SINCE THEY TOOK OVER MY ACCOUNT XXXX BUT THEY HAVE FRAUDLENT REPORTED TO CREDIT AGENCY OCWEN LOAN SINCE XX/XX/XXXX FALSE .. XXXX XXXX XXXX THIS NEW LOAN FOR HOME IN XX/XX/XXXX. PAYMENTS ARE INCORRECT. I HAVE MAIL BANK STATEMENT THREE TIME XXXX PAGES TO FL. AND THEY STILL SAY DONOT HAVE.. 
SCAM..NOW THEY WANT TO TAKE THE HOME.. SEE OTHER CASES. XXXX COMPLAINT SINCE XX/XX/XXXX WHEN IT WAS HOMECOMING FIN. THEN GMAC THEN OCWEN. XXXX XXXX INVESTOR. 

From : Consumer Financial Protection Bureau XXXX ; Subject : Your submission, [ Case number : XXXX ] XXXX ; Date : Thursday, XX/XX/XXXX, XXXX
I have a mortgage with RoundPoint Mortgage Company. I submitted a request to have my PMI removed and my request was denied. I tried talking to someone in customer service and they were completely clueless and unable to help at all. All of this information is based on their own documents which can be found here : XXXX XXXX XXXX XXXX  When can I request PMI be cancelled? '' " ( 2 ) the date the principal balance actually reaches 80 % of the original value of the property '' " How do I find the original value of my property or LTV? '' " If the loan is a refinance, then the original value is the appraised value used to refinance the loan. To calculate the LTV, divide the unpaid principal balance of the loan by the propertys original value. '' Refinance Date : XXXX XXXX Appraised Value Used To Refinance The Loan : {$380000.00} Unpaid Principal Balance of the Loan : {$300000.00} Unpaid Principal Balance of the Loan / Appraised Value Used to Refinance The Loan = XXXX / XXXX = 79.93 % I do not understand why they are denying my request to have PMI removed. Thank You!
I have been getting at least three calls per day from rausch sturm XXXX enerson & hornik. It is a robo-call, and I have no idea what it is in regards to because I filed bankruptcy and it was discharged last year, and I have checked my credit report and not found any accounts in collection. On top of this, I sent a cease and desist letter which included my bankruptcy discharge notice to the " law firm '' which was received by someone there back on XXXX XXXX, 2015. I have still been getting at least three calls per day. I am being harassed. I even had my attorney call and ask them to stop. The person with whom he spoke told him the calls would stop, then I got yet another call just now. I finally called them myself and XXXX XXXX from the XXXX office basically said he thought I was lying about the calls and declined to listen to XXXX of the XXXX+ messages I have saved to my phone from after the firm received my cease and desist. If this is not harassment, I do not know what is. Please hold them accountable!
Wells Fargo contiues to violate the terms of the XXXX. I am currently requesting a copy of my Loan History Y-T-D ( Year to Date ) from them. I have requested this by fax and by mail. This is not priority or confidential information. It is a computer generated statement and it belongs to me. They refuse to send it. I did request it in the past XX/XX/XXXX and received a copy with absolutely no trouble. There is currently a foreclosure issue ( XX/XX/XXXX filing ) and this information is not confidential. It is mine.
XXXX/XXXX/XXXX Release of Tax Lien State of Alabama {$XXXX} Docket # XXXX XXXX/XXXX/XXXX Release of XXXX XXXX State of Alabama {$XXXX} Docket # XXXX tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual Per state law