WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank.
Hello, I 'm having issues with my mortgage company saying that they can not discuss anything with me. They say that my estranged husband is the only one they will communicate with. they know we have been separated since XXXX and that I reside in and maintain the property. Recently I 've had some financial hardships and I 've reached out to the lender and they refuse to communicate with me as well as their lawyers. I was informed by housing counsel that as long as my name is on the note they should communicate with me. To no avail they wo n't. I feel there are some inflated costs to reinstate my mortgage so I made several attempts asking why and no one will communicate with me. there is also the question of would I even have all of these costs if they would have communicated with me from the beginning. Please if you can help me I need and want my home for my children and I.
Experian has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on XXXX and XXXX as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on Experian as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since XX/XX/2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as Experian and XXXX as well as XXXX and XXXX are violating my consumer rights.
Wednesday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX * I have more calls coming from this Debt Collector that keeps calling and harassing me on a regular basis. I had asked him to stop and he continues to call me and harass me with attitude about a debt collection I owe. He is now contacting my family without consent and just wont stop after I had asked to stop. His name is XXXX/ XXXX . When you call back it goes straight to him. This is a scam and I would like it to stop. The harassing is getting to be too much for me especially that Im pregnant and dont need the stress.
XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Back in 2014 I had XXXX at XXXX XXXX and they improperly coded my procedure resulting in my insurance company at the time not paying the entire balance which I just found out about and have been charging me interest monthly after checking my credit report. I have attempted to contact the collection agency and have been told that they can not do anything about correcting the issue and I have no rights other than to pay the entire balance to them.
The debt collector is reporting incorrectly the date of delinquency on my credit report to make the debt appear new again. This account was charged off by the original creditor and is over 6 years old. It is being displayed on my credit report as date opened XX/XX/XXXX2017. I believe they are violating my consumer rights by falsely and inaccurately report this debt.
Regions bank withheld a transaction from my account for over 10 days then decided to take the money out when the funds were no longer available. It caused small transactions from XXXX dollars to XXXX dollars to overdraft my account. Causing XXXX dollars in overdraft fees.
XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : BARCLAYS BANK DELAWARE Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
XXXX XXXX used my XXXX contact list to repeatedly call and leave messages for acquaintances, friends/family, ect. I thought it was illegal to use harassment and humiliation tactics for debt collection? It is illegal to repeatedly contact anyone other than me about my debt!!!!! XXXX XXXX what happens when your companys tactics send someone over the edge? I appalled that XXXX has allowed my student loans to be handled by a company that is using illegal practices, including harassment, to collect a student loan debt.
New American Funding ran a paid advertisement on the radio. The broadcast said that a special refinancing offer was available for people who called during the broadcast. The advertised rate was 3.375 % 30 year loan bought down to 2.375 % for the first year for a refinancing. Also, the ad said that there were XXXX closing costs. They kept emphasizing all of these points. I called during the broadcast and Spoke to XXXX XXXX, one of their lenders who did business in Colorado. We have EXCELLENT credit, and a large escrow in our house. I told him ideally we would like to refinance our first and second loans together and then he asked for all of our confidential information ( where we do banking, our salaries, our social sec numbers, etc ). He said he would get back to me in a few hours. Did n't hear from him. I called the company two days later and they tracked XXXX XXXX down. Yes he had the wrong email for me, but still did n't have the numbers. Then he called back and said he could only get us a 3.875 % loan with us having to bring in {$6000.00}. Now this did n't make sense and was n't what was advertised! I asked him for a good faith estimate and told him I was really unhappy. He said it was because we were trying to get cash out ( to also pay off a credit card ). I said " fine '' forget the cash out. I want the special offer of 3.375 % /2.375 %. He said he would go back and get me another set of numbers. Waited another 2 days. Then he still came back at a much higher rate. Said this was because the special offer was only for loans above {$410000.00}. Now I 'm really starting to get frustrated. The hidden limitations were not making sense. I told him to refigure the loan again ... the rate he was quoting me was ridiculous and way above market rates. I also asked him for a copy of the loan limitations. Then he said he would get back to me that day. Waited 8 hours .. no reply XXXX next day no reply. He only replies when I cancel the loan refinancing. 

Either XXXX XXXX is playing games .. or New American Funding .. whom XXXX XXXX XXXX .. is playing games.
To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by :  1 .    XXXX   XXXX   XXXX    -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  ,   XX/XX/XXXX      3.  XX/XX/XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  4.  XXXX  - - Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5.    XX/XX/XXXX   -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   6. TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   XXXX
I am reviewing my credit report and it shows a collection agency that I do not owe. The creditor is XXXX XXXX, Open date X/XX/17 for {$1700.00}. I received phone calls probably a year ago which would correspond with this date that I owed a balance with an old credit card. I verified the account they were speaking of and told them that I had in fact paid this debt off and they wanted me to send them proof because they did n't have proof. I did not feel comfortable doing so and the phone calls stopped. Now I am noticing this on my credit score.
XXXX XXXX  obtained a judgment against me for a mortgage foreclosure despite many issues related to the mortgage servicing company. I have been attempting to contact XXXX XXXX  to determine the status of the debt but have had no luck reaching the right folks. 

The property address is : XXXX XXXX XXXX XXXX, NY XXXX
This is regarding the Public Service Loan Forgiveness program In XX/XX/XXXX I applied for forgiveness of my federal student loans under the Public Service Loan Forgiveness program ( PSLF ) ; however, on XX/XX/XXXX I was denied participation in the program because I had consolidated my loans. According to FedLoan Servicing, by consolidating my loans the loans are no longer considered Direct Student Loans and therefore not eligible for forgiveness under PSLF. In XX/XX/XXXX, I had consolidated my direct and XXXX XXXX XXXX loans with XXXX XXXX in order to better afford to repay my loan obligation. Since the PSLF program was not yet an option, I could not have anticipated that consolidating my loans would prevent me from participating in a program instituted at a future date. When the PSLF program was announced, I determined that I would remain employed in XXXX XXXX until I became eligible to participate in PSLF. I have now been working in XXXX XXXX for nearly 20 years, but would have made different career choices had I known that my former direct student loans were not eligible for discharge. After the FedLoan Servicing 's denial, I contacted them about next steps and was flippantly informed that it would take an act of Congress to get my loans discharged! I have kept my end of the bargain. I have traded years of service in XXXX XXXX and years on-time payments of my student loans for the promise that my loans would be forgiven in XX/XX/XXXX. Can you assist in obtaining forgiveness for my formerly direct student loans? Thank you. XXXX XXXX XXXX
XXXX  and  XXXX  harassed me with threats of a lawsuit from a d  ebt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue.
<P/>
Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened.
<P/>  I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.
This account was previously disputed and deleted. Waypoint Resource Group has re-reported it as a new debt without proper notification and has also re-aged this account which violates the law.
I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.
On  XXXX / XXXX /  XXXX    Foursight Capital took two  payments out of my bank account instead of the  one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank  XXXX   XXXX  to fix the issue.  XXXX   XXXX  stated it will take 90 days to fix the issue. This is unacceptable.
My Citi bank XXXX XXXX  was suddenly canceled out of the blue on XX/XX/19. I had accrued a reward certificate worth {$630.00} which was scheduled to be disbursed on XX/XX/19. 
I had called on XX/XX/XXXX and spoke with a representative named XXXX who assured me that the certificate would be issued as planned and that there was nothing to worry about. 
I called again on XXXX and spoke with XXXX who said the same thing adding that there is a 7 day lag at times. 
Finally, I called today, XX/XX/XXXX and the people I spoke with said that I will not get the rewards since my account was canceled! 

I believe they canceled my account to not pay this reward certificate and I am very upset about this and want it fixed, even if they refuse to reinstate my account, withholding the rewards certificate is totally unacceptable.
Sebonic Financial XXXX NC, person in charge of the process is XXXX XXXX, but further issues arose when the file was transferred to person listed on the mortage documents, XXXX XXXX. 

This involves misleading and failing to make sure that my XXXX XXXX XXXX mother was aware of the reaons they repeadly raised issues with the process even after they got to a closing date last week. She showed up to sign the papers and they introduced a provision that she had asked about concerning the persons required to be present to close the loan. 

On her behalf as her son I have taken this matter up because it has become a situation that one could characterize as taking advantage of a person who is simply overwrought with the misteps and the company 's failure to answer so many of the questions she has posed. 

The last of which being who needs to sign the closing documents. 
In anticipation of such an outcome, all correspondance is in writng via emals but to go one further would take hours. 

I have been told that I would hear via phone from the supervisor but as of this time no one has called. 
with that in mind I determined who runs the company and left messages with the CEO XXXX XXXX XXXX, the COO XXXX XXXX XXXX and the head of productions XXXX XXXX XXXX at this time the damages she is incurring accrue daily and I hope that this action with you will cause them to address the matter with the proper diligence. 
This is an XXXX XXXX in XXXX and she owes no one any money and is as much of a great citizen and since her retirment and an extrordinary public servant in her role as XXXX XXXX and through the establishment of a first of its kind performing arts center in the community in which she has resided for more than 30 years. 

People like her deserve your help and the advocacy that only the AG 's office can provide.
I have several issues to address please : 1. - My loan modification was effective XX/XX/XXXX, and at that time, I asked my mortgage company, Bayview Loan Servicing, to please make my payment due dates the end of every month because, based upon how I receive my income, that 's when my funds would be available to disburse to them ; 2. - My payments began being late in XX/XX/XXXX when my ex-husband, during a very hotly contested divorce, contacted one of my credit card companies and authorized payment in full of my bill, which completely emptied my checking account. This incident was reported to the XXXX XXXX County Police who informed me there was nothing they could do to prosecute him because we were still married at the time ; 3. - In XX/XX/XXXX, I contacted Bayview Loan Servicing to make them aware of this incident and to inform them why my payment was late. Unfortunately, I was still charged a late fee for my payment being late that month, and they probably reported it to the credit reporting agencies, and I have been unable to get my footing and get back on track with my payments ever since ; 4. - In XX/XX/XXXX,  I asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 5. - In approximately XX/XX/XXXX, I was able to bring my mortgage payments current, or so I thought, when I sold some of my personal belongings and remitted 100 % of the proceeds to Bayview ; 6. - In XX/XX/XXXX, I again asked Bayview not to " pad '' my Escrow account with extra funds because, as a single mother to an XXXX child whose father does not pay the court ordered child support, I do not have the money to spare. I was told it was allowed by law ; 7. - In XX/XX/XXXX, Bayview inaccurately released funds from my Escrow account to pay in full 2 hazard insurance policies. I was forced to endure a barrage of harassing " debt collection '' phone calls until I was able to sort it out and funds from 1 of the hazard insurance policies were debited back to my Escrow account ; 8. - In XX/XX/XXXX, I received a statement indicating I owe late charges of {$1800.00}, unapplied funds are {$2400.00}, and past due amount is {$6000.00}. I disagree and feel Bayview 's records are inaccurate, and feel I have been excessively and inaccurately charged late fees. Bayview is and has been aware of my situation since the loan was modified XX/XX/XXXX,  and has been steadily " padding '' my Escrow account despite my repeated requests for relief. At this point, I would like Bayview to cease and desist all Escrow activities associated with my home and loan so that I can begin paying those costs myself. This is the only way I will be able to break this horribly stressful cycle of Bayview increasing the payments I must make to my Escrow account, placing an undue burden on me, and making it increasingly challenging to make my payments in full on time and avoid being aggressively charged late fees by Bayview. 
Thank you for your time!
I was paying my bill every month and I started to notice that the interested was not going down. I called and sent letters to try and get them to explain this to me and the kept telling me it's because of 31 days. The statements are confusing and customer service was no help
There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.
Bayview Loan Servicing has n't contacted me or sent me any package after we made three trial modification payments. 
On XXXX XXXX, 2016, we received a Balloon Amortization Trial Document from Bayview Loan Servicing. ( See Exhibit A ) On XXXX XXXX, 2016, The Balloon Amortization Trial Document with balloon addendum sent directed us to make three trial payments starting XXXX XXXX, 2016. 
On XXXX XXXX, 2016, we paid XXXX XXXX, 2016 payment ( See Exhibit B ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit C ) On XXXX XXXX, 2016, we paid XXXX XXXX, 2016, Payment ( See Exhibit D ) On XXXX XXXX, 2016, Asset Manager, XXXX XXXX stated if we had n't received any permanent modification documents by XXXX 2016 to contact Bayveiw Loan Servicing. 
We will continue to make our trial modification payments starting with our fourth payment until we receive a modification package from Bayview Loan Servicing.