WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm a previous customer that completed an approved Short Sale in 2015. I received my XXXX yesterday in the mail, it is incorrect. I made ( 4 ) separate calls to Citi Mortgage this morning, where no one could assist me apparently. I spoke to XXXX associates in Loss Mit and XXXX associates in Customer Service and XXXX Customer Service Supervisors. 
I was advised that by no means could I receive any kind of assistance from Loss Mitigation and to contact XXXX, this is the contact number that I used to reach them already. They stated not able to assist me there and placed me hold and the call dropped. The issue with the XXXX is that it shows the amount the house was bought for rather than what was still remaining after sale, ( deficiency amount ). 
This information has also been sent to the IRS and I 'm quite honestly appalled that better controls are not being practiced and performed to ensure that at minimum I ( the customer ) and the IRS are not being misinformed. CitiMortgage seems to not be able to communicate or reflect clear conscise information about the status of my loan. Per customer service it shows as closed, no further information. On the XXXX it shows foreclosed and when speaking to Loss Mit it shows completed ( short sale ).
I applied for a payday loan on XX/XX/XXXX from The Check Cashing Store. The website said repeatedly that the money would go " right to my account. '' After the loan was approved, a message appeared on the site saying that the money would be in my account within 48 hours. I spoke with several people in the company and was told different answers each time. When I asked to have the loan cancelled, I was told that that was not possible because the loan was " in progress. '' When I spoke to XXXX in the " complaint department, '' I was told that someone from the payday loan dept would call me back within 1-3 business days. I did manage to reach her myself. She stated that the loan was not approved for 24 hours and then it was up to the bank to decide when to deposit the money. According to this information, it is not really the Check Cashing Store 's fault that the money is not in my account, it is the bank 's. Had I known any of this up front, I would have driven the short distance to the store and taken the money to the bank myself. It is 4 days since I was given the " loan '' and the money has not appeared. My bank account has accrued more than {$200.00} in overdraft fees at this point. The Check Cashing Store 's online description is a distortion of the facts. Consumers are not given vital information about the process in advance of the approval. In reviewing the documents I signed, I find no information detailing the delays. In fact, it states that my loan was funded on XX/XX/XXXX and that interest would start accruing on XX/XX/XXXX.
I disputed these inquiries because I did not authorize them. I had them investigated by XXXX and equifax responded by saying they were factual. I would like to know how they found out that these were factual and how their investigation was completed.
TransUnion File # XXXX XXXX Names Reported : There is no XXXX XXXX  XXXX XXXX and I have never applied for credit in that name. TransUnion has added or has a name on my credit file that is not no name I have used in any way to apply for credit at anytime
I am an XXXX  who is currently in my 13th year working for the XXXX XXXX XXXX. I previously had loans with XXXX which were taken over by XXXX. The Public Service Loan Forgiveness was brought to my attention and I learned that my loans would have to be transferred to XXXX XXXX. Once everything was completed, I immediately noticed numerous issues. I have always consistently paid my loans and have never had poor standing in terms of paying on time. Based on the practices of XXXX XXXX, it seems as if they are purposely attempting to bring upon hardship and force me into a payment that I can not carry. My payment when moving from XXXX to XXXX XXXX was {$430.00} on XX/XX/XXXX. During the first week of XXXX, I called regarding finding out how to ensure that my loans would qualify for the PSLF since that is the only reason I moved my loans in the first place. Fast forward to now, I applied and come to find that my payment has increased! I just received notice that my monthly payment will now be {$630.00}! Never was I told that applying to change my repayment plan would increase my payment. I have a mortgage and other bills and this fluctuation in payment will create financial hardship in my household. It seems that each time I call and speak to a representative my payment increases and I am given conflicting information from each representative I speak to. I simply ask that my payment stay within its original range and now soar to what I am expected to pay on XX/XX/XXXX. Each time I call to ask for help, my loan has been put into forbearance without my permission or I have been given incorrect information that has led to a higher payment.
My husband and I were going through the motions to refinance. We got our credit pulled and mine dropped from high XXXX 's to mid XXXX 's. I 've done nothing different so we looked into it deeper. There is a collection on my report from a company I have named XXXX. I called them and they told me there is an account from XXXX XXXX opened in my name back in 2014. I have never had a century link account so that obviously is not me. I asked them to validate the debt and they ca n't for reasons that did n't make sense. I sent their identity theft department and email and have heard nothing back. I need help to validate this debt and restore my credit to it 's proper place.
Prior to the filing of foreclosure by Bank of America, we were told we had to be 60 days delinquent before they could talk with us. We filled out paperwork for loan modifications with Bank of America twice, and both times we were told that documents were lost and we 'd have to file again. We filed once with XXXX and the application was declined because I did not submit a driver 's license. I informed them that I do not have a driver 's license and was told there was nothing they could do. Bank of America filed for foreclosure in XXXX of XXXX. Towards the end of the proceedings, Bank of America 's attorneys managed to substitute XXXX as the servicer and created an assignment of mortgage to XXXX. Bank of America also convinced the judge to dismiss our counterclaims and grant Bank of America summary judgment. It has been our contention from the beginning that Bank of America 's assignment of mortgage from the originator, XXXX, was a fraudulent assignment and the facts of the case support this contention. We will attach the supporting documents. Our loan was securitized in XXXX of XXXX and therefore Bank of America 's purported assignment from XXXX could not be true. The note contains no endorsement to XXXX who purchased the note in XXXX, and then securitized it { by their own admission in answers to interrogatories ). Further, it can not be possible for XXXX to have assigned the note and mortgage to Bank of America on XX/XX/XXXX, if they had already sold the note to XXXX in XXXX of XXXX. The purported assignment from XXXX to Bank of America contains a notary signature that is illegible. This is an invalid signature under California notary rules. Also, the notary admits to having signed up to XXXX documents per day for Bank of America during this time period. This is commonly known as robo-signing -- something that Bank of America was sued for by all 50 States Attorneys General. Again, supporting documents are attached. A foreclosure judgment in favor of XXXX was rendered over our objections, due to fraud upon the court, on XX/XX/XXXX. We are appealing this order. A sale is scheduled for XX/XX/XXXX. We would appreciate any help from your agency, including possibly an Amicus Brief in Support of our Appeal. We do not believe there is time to stop the sale but your assistance in that regard would also be appreciated.
I have had millions of dollars stollen from my identity. XXXX houses in the U.S.A. and all with close spelled names. I think even a car loan too.
I have a federal student loan through NAVIENT. I have been making payments for the last 3 years without missing a payment. I was offered a lower repayment plan 2 years into my loan which I took, because I was reassured my interest would not be raised and my total loan repayment amount would not increase. Basically a week ago I find out that after 3.5 years of payments towards my original $ XXXX student loan, the loan had decreased ONLY {$250.00} to an updated principal balance of {$25000.00}. AFTER PAYING $ XXXX TO NAVIENT OVER XXXX YEARS MY LOAN BALANCE DECREASED {$250.00}! I called/emailed them to find an explanation, and after multiple attempts to dodge the situation I got in touch with a " manager ''. She told me that she looked into the recorded phone call I had with them and that I was indeed given wrong information but there was nothing Navient could do about it because of some " rules and regulations '' document they claimed they mailed me. She said that for the majority of the time of my loan, over 3 years, XXXX % of my payments was going to interest and only XXXX % towards interest. All in all my $ XXXX student loan would take $ XXXX to pay back ( I have this in writing and over a recorded call with Navient ). I told her how unacceptable that is and she said theres nothing she can do because I signed up for the " graduated payment plan '' even though a Navient employee told me wrong information on it regarding interest/life of loan ( again, she admitted and recognized that I was told my interest would remain the same and that I would be paying the same amount over 10 years just in graduated increments- all of which was completely false ). She said she was sorry about the misrepresentation of the plan but that it was on me. 

Please call me with any questions as I want to help my situation as well as take down this corrupt company.
XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, phone XXXX, has been sending me notification of a debt, but absolutely no details on the original account or the proof of claim. The Agency listed is the Department of Taxation. I contacted them and they said that I have no outstanding debts. I have refunds on all of my tax returns for the past ten years. If I owed anything, they would have seized my refund. 
Bloich representatives continue to call despite my request for all communication in writing. So far they have refused to send me the documentation with a copy of the original debt and the legal documents that verify Bloich 's ownership of the debt. I can not audit a debts and verify its legality based on " Principal ... .Interest ... Amount Owed. '' I sent three requests to the Ohio Attorney General 's Office and they provided no information on XXXX XXXX 's claim. I do have zombie debts from a 16 year old chapter XXXX bankruptcy.
Recurring checking account deduction which have not been authorized since  XXXX  of {$21.00} being paid to   XXXX    XXXX . My wife and I have not authorised this type of transaction.
Please see Attachments : I received a foreclosure letter from a law firm saying I owe the mortgage co. XXXX on XX/XX/XXXX18. I called the mortgage company spoke to my account manager XXXX XXXX he stated that I have a lean on my home. I ask him why did they approve the short sale and stating that my realtor can just make a offer on my home. 
I received 2 offers on my home from buyers. I sign off on the cash offer for XXXX for buyer to purchase my home. 

XXXX XXXX XXXX Principal Broker XXXX XXXX XXXX, XXXX XXXX Referrals are greatly appreciated and are the highest form of compliment! 

On Tue, XX/XX/XXXX at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : XXXX, thank you for your email and docs. Because you have complied with the list price we will provide FC protection. The foreclosure has been placed and will continue to be placed on hold as long as the marketing continues with the agreed list price. Obviously if we approve a short sale, the foreclosure will continue be placed on hold. 



Let me know if you have any additional questions. 





XXXX XXXX Asset Disposition Specialist Fay Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, IL XXXX XXXX toll free XXXX direct XXXX fax XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To :  XXXX XXXX XXXX Subject : RE : [ External ] XXXX XXXX XXXXXXXX PLACE PRELIMINARY HUD XXXX We have rushed this should be about 3 working days.5-7 is typically our turn around! XXXX XXXX XXXX Business Development Officer Department or Division Name XXXX XXXX XXXX | XXXX | *If wiring funds to XXXX XXXX , please call us at XXXX to verify our wiring instructions prior to wiring the money. We want to keep your money safe! 

XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Office : XXXXMobile : XXXX Fax : XXXX Email pkgs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX, IN XXXX Office : XXXX Fax : XXXX XXXX XXXX : XXXX
For the third year in a row I have not received a check for rewards from Sam 's Club Rewards credit card. Amounts due are always on statement, that 's how I know I have cash amount due. Each year they say they sent it with my statement. Previous years they sent a new check. This year ( XXXX/XXXX/2016 ) I was told by a representative that they no longer issue replacement checks. They stated they would credit my account and did not give a time frame. I called back ( XXXX/XXXX/16 ) and was told 30 days for a refund that was due in cash, but is now a credit. I am writing as i imagine there may be other complaints, as this is not the first time Sam 's Club has not kept up their end of the bargain, as a few years ago I had restitution for early hours not being honored. I do n't expect anything more to come of this but awareness and timely, accurate retrieval of funds owed, and accurate information from phone calls. Thank you.
I filed a complaint on XX/XX/XXXX to XXXX to have this account remove from my credit report. This account has been paid in full since XX/XX/XXXX. It has now been 41 days and I have not heard from XXXX about this issue.
Never my addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
My Capital One account credited my credit card on the XXXX of XXXX for a payment made on the XXXX from XXXX. The payment was returned for NSF on the XXXX of XXXX, but I have been assured by XXXX that the payment went through. On the XXXX of XXXX I noticed the discrepancy. I contacted both banks and was told to wait a few more business days before the credit showed up to my account. I waited until the XXXX and nothing had been returned. I spoke with representatives from XXXX banks including Capital One 's payment investigation department. I was informed by capital one that I needed to send proof that the payment had gone through that was made from XXXX on the XXXX over fax to XXXX. That fax was sent on the XXXX. Capital one stated to me today that they had not yet received the fax. I called XXXX and had them fax the statement again and I 've been getting the run around from Capital One all day on the phone. We even had XXXX 's bank representative on a three party call and the representative confirmed that the payment made on the XXXX had been taken out of my account, but was never returned.
I filed on XX/XX/XXXX both by phone and filed on line with Transunion. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. TranUnion has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes Transunion 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
I did not authorized an ambulance to transport me to the emergency room I did not sign any paper work
I contracted with Global DS Group to consolidate my payday loans an began paying {$1400.00} for 4 months, this amount became to much I was starving I ask to reduce my payment they said they could not and if I terminated my payment then I would loose all the money I had paid to that point. I had no choice but to stop payment and this company will not refund any money {$5600.00}.
I received a checking account statement in the mail from TD Bank covering the dates of XX/XX/2018 to XX/XX/2018. The problem is I never opened or authorized a checking account with TD Bank. I see on the statement that XXXX deposited {$0.00} on XX/XX/18 and debited the {$0.00} cents the same day to verify if the checking account was valid. The checking statement had my correct name and address at the top. I visited a TD Bank branch and closed the checking account.
I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. 

I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! 

They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. 

I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. 

Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. 
XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX
Able to pay part of an offered agreement to bring me up to date on my mortgage. However, part of the offer includes paying two mortgages for the next three months. This is impossible for me because doing so would be using my entire monthly income. I would not have even a dime left to cover all other living expenses. Please advise. Thank you
Between XX/XX/XXXX and XX/XX/XXXX, my identity was stolen and was used to open an account with XXXX and with XXXX XXXX XXXX in XXXX at a fraudulent address I lived and continue to live in XXXX XXXX, Florida, although at one time I did live in XXXX. In addition, there were many many hard inquiries made using my information. I did not realize this until XX/XX/XXXX when I tried to get a loan and was turned down by my own bank of 31 years. My very good credit rating has been ruined. It has cost me XXXX of dollars in interest and I have spent many, many hours in the past 6 months trying to resolve these issues with all 3 credit bureaus. Equifax continues to report a XXXX address which is fraudulent and continues to report hard inquiries on my report despite my calls, letters, and on-line disputes.. I have filed a police report with both the XXXX County Sheriff 's Dept and with the XXXX XXXX Police. In addition, I have filed a complaint with the FTC and with Florida Attorney General 's Office.
Credit report shows XXXX different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.
I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and no street address only a po box . However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.
THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY
This account was agreed upon a set amount to be paid to the creditors which i pay the same day we all had disused. The payment was made on the ( XX/XX/17 ) but this creditor refuse to remove it from my credit report even after sending letters, calling and asking them to remove this account as we all agreed on that they was going to remove it once i paid. I don't understand why they are doing this but is really stressing me out because, of the damage this is causing my credit.
hi, i have been getting calls and/or letters, reg a debt that was quite few years ago!!! And i went Bankrupt, and told them to, Portfolio collection agency. But they are known to harrass people. Let them know, that also they were sued in Virginia and another law suit is being filed/ a class action suit, so they need to stop harrassing people reg old bills!!!!!
We have a medical co-pay being billed to us that was paid via debit card at the time of service. The date of service was XX/XX/2016 for XXXX. It was a charge for my daughter. The hospital kept trying to collect this from me multiple times. Each time I would get a letter I would call the hospital and they said " they would work on it ''. Well almost a year later I get a letter from Evergreen Financial Services saying to pay the {$30.00} dollar co-pay or get a judgement. I was mad to say the least! I sent in a copy of my bank statement showing the amount debited from my account on the day of service from their client. I called back to see if they received the proof of payment and now they have to talk to the client to make sure this is ok? I paid this money. I have proof! That should be the end of it!!! This is so unprofessional I do not know what to do. So this is the action I am taking. I will keep fighting this! I know it is only {$30.00} dollars, but it is about principle now.
I issued a stop payment on a check after checksmart refused to work with me after i lost my job. they have been calling me up to 9 times a day demanding payment in full, or that i ask a relative. They have refused my offer to set up a payment plan and have threatened to go into my bank unauthorized and deduct the funds illegally. I told them that i didnt have the money, but i wanted to get the debt paid on an installment loan plan, the refused and they will not quite calling. ive lost my job and have kids to take care of.