WillisBack/dataset-financial-user-claim huggingface dataset:
My home was foreclosed in 2014. Nationstar mortgage company has continued to want payment on XXXX Mortgage though the XXXX mortgage no longer exists. I have written them 2 times, and emailed them as well to resolve the issue and offer a payoff amount. They finally sent a letter back that I received on XX/XX/XXXX stating that they are looking into my request for a negotiated payoff. In addition to the first issue of paying off the XXXX mortgage, I also have a company named XXXX and XXXX that is stating that they took over the portion of the foreclosed loan from the XXXX mortgage that was left over after the foreclosure sale took place ( approximately {$170000.00} ). I need Nationstar to verify that Nationstar mortgage has authorized XXXX XXXX XXXX to act as debt collector and that I owe a balance of $ over XXXX on the first mortgage that went into foreclosure at my home located in XXXX. The letter sent back to me from Nationstar made no mention of nor did it answer to my request to get verification of this other debt collectors authorization to collect this debt since from what I know, once a foreclosure has taken place, I am no longer responsible for the foreclosed loan. I have also called Nationstar numerous times about settling the second debt and getting clarification on what if any, amount I owe on the XXXX mortgage after foreclosure. Whenever I call, the customer rep attempts to get me to make a payment on the XXXX loan and tells me to call another department regarding my questions. It has been a nightmare trying to communicate with Nationstar since we had initially agreed to do a deed in lieu to avoid foreclosure and without direct notice to me, Nationstar decided to put the home in foreclosure when it would have been very easy for me to do a short sale if the deed in lieu process was no longer an option. I spoke to a housing agency that helps consumers try to avoid foreclosure and they mentioned that they have never heard of another company like XXXX XXXX XXXX take over as a debt collector on a home that has already gone into foreclosure and continue to attempt to collect on and claim that I owe a balance of {$170000.00} on the first mortgage that went into foreclosure at my home. Please advise.
I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my account.
OCWEN unjustly denied a loan modification and continued to draw out the process for a year and a half. Documents are available by consumer
I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. 

Equifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.
Equifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.
This company ( Macy 's ) calls XXXX 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block XXXX different numbers from them. Its getting out of hand.
I am a XXXX year old XXXX XXXX XXXX, over XXXX XXXX. I have XXXX and XXXX as well. I suffer from XXXX XXXX which has contributed to severe XXXX and serious XXXX issues. My XXXX is very poor and my future is bleak! 

I have received a communication from Convergent Outsourcing Inc. telling me that I owe {$6700.00} from XXXX through XXXX, the original creditor. However, they will accept {$1000.00} in full settlement of this account. I have no knowledge of this charge and do not believe this bill is mine. 

Thanks in advance for your help!
Threatened to call my job abd tell them i was a criminal abd to have my XXXX check shut off if i did n't pay
On XXXX XXXX, XXXX I obtained a Chapter XXXX discharge. I own my home and have a mortgage serviced by Seterus. In spite of the bankruptcy I filed a Statement of Intention that I wanted to retain the home and make mortgage payments. Since the bankruptcy concluded in XXXX, XXXX I have been making mortgage payments and I believe I am current. 

However, Seterus refuses to resume sending periodic statements to me in spite of recent written requests. My most recent written request was on XXXX XXXX, XXXX. On XXXX XXXX, XXXX XXXX wrote back that they are voluntarily refusing to send monthly statements to me. This refusal is wrongheaded as it makes it more difficult for me to stay current with payments and it violates the most recent Reg Z Amendments XXXX which require mortgage servicers such as Seterus to send the statements upon request. I assume Seterus 's actions are based upon company policy and impact every other former chapter XXXX debtor which has a loan serviced by Seterus that wants to keep their property.
I filed a dispute with Equifax and on XXXX XXXX they removed the item from my credit report. Then on XXXX XXXX it was put back on my credit report without notice. I did not receive any notice as of today even that they were going to reinsert the item. I have contacted an attorney in XXXX and he sent them a removal letter and a notice to sue and they still have not removed it. I have talked to many people and Equifax does take things off and then reinsert but NEVER SEND OUT THE LETTER STATING THEY ARE REINSERTING. They have 5 days to send me a letter of reinsertion and they have failed to follow that law 1681 a 5 a of the FCRA 611 a 5 b. I want the item that was removed on XXXX XXXX 2015 and put back on XXXX XXXX 2015 removed back off.And they also had the incorrect name of company, and had XXXX files for me. I had what they call a split file.
I was in a current lease with Mercedes, which was set to end, and I therefore leased a new Mercedes. Unfortunately, the initial ordering of the vehicle was delayed due to the auto being delivered with the wrong options. This led to a series of extensions of the lease on the Mercedes being returned. I was assured that I would not be charged overage miles because of the errors that caused the repeated extensions of the lease. However, when the new car finally arrived Mercedes established a new account, but added the old vehicle to it. The extra mileage was charged to this account and as a result, my car payments were applied to that balance and not the lease payment, as they should have been. This resulted in XXXX erroneous 30-day delinquencies appearing on my credit report.
I have vehicle loan with CitizensOne. The vehicle was traded on XX/XX/19. The dealership submitted a check for the 20 day payoff that they received from CitizensOne by phone. They sent that check on XX/XX/19 and confirmed via overnight tracking that it was received on XX/XX/19. CitizensOne also confirmed that they received this on XX/XX/19. They have been unable to accurately process the payoff. They took 11 days from the date received. To apply the payoff check and then assessed more interest. As a result the account will not close. I have called multiple times each week. Have a case open with their customer service department and if goes nowhere.
I have an account on auto pay with XXXX XXXX through my bank XXXX XXXX XXXX XXXX XXXX charged my account twice. The second charge was unauthorized and there was no money in my account but Schools First Federal Credit Union went ahead and paid the amount withdrawing the money from my savings account just to charge a {$22.00} fee. I did not authorize the credit union to pay overdrawn checks from my savings account nor have I signed any papers to authorize this but they are all in cahoots, help each other scam people and charge fees. In the mean time XXXX XXXX says they have cancelled the second transaction but 3 days have passed and the money is not in my account. 
These thieves give me the run around blaming each other and I am out of {$380.00} plus {$22.00} and the harassment from them and am now in dire straits.
Auto loan for a XXXX, Account Number XXXX that was a total loss on XX/XX/XXXX. There is a GAP insurance problem I have been unable to resolve with Ally Financial. The car was purchased on XX/XX/XXXX. I am the buyer on the 72 month auto loan and my son XXXX is the co-buyer. Ally claims that GAP insurance does not cover losses if the loan is extended. I never extended the loan, but Ally extended it 5 times, despite me sending them written notification not to extend the loan. Ally claims that the co-buyer can extend the loan without the buyers permission. I dispute that because my written contract does not state that. Ally charged off the loan and sent my account to a collection agency. There is nothing in New York State contract law that supports Ally 's position.
XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program. 
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. 
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. 

Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made. 

When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me. 

If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.
I have disputed the removal of my Chapter XXXX dismissal multiple times, both via mail and online with Equifax for several years. They have not provided a valid reason for non-removal or response. I have verified the correct address and obviously when submitted online twice it goes to the correct place. Online they acknowledge receipt but never remove it. I have sent them copies of my dismissal multiple times as well. This Chapter XXXX was only in effect for a couple of months and was dismissed on XX/XX/XXXX and should have only been reported for 7 years. Which means it should have been removed in XX/XX/XXXX. This has negatively affected my credit for the past 2 years as I am still having to pay higher interest rates and have been denied credit multiple times even though my credit score is high now due to the bankruptcy still reflecting.
The Care Credit card which I use when I have work done on my teeth at XXXX XXXX on XXXX XXXX in XXXX, Maine is a part of General Electric 's Synchrony Bank. It 's a great concept and I enjoy the flexibility it affords me. My issues are this : They have these promotional programs which offer lower interest over a short period of time then when they end the cardholder gets whacked with a large amount of unpaid interest which if not paid is added to the running balance on the account. I find this unfair. 
XXXX, Synchrony Bank ( Care Credit ) wants the vendor ( XXXX XXXX ) to not charge the customer less than {$200.00} on a procedure. For example, I have a XXXX appointment which costs me {$100.00} but they charge my card {$200.00} and keep a {$95.00} credit balance. They capture {$95.00} of my money and hold onto it instead of just charging my card the {$100.00} for the appointment. The {$95.00} credit is used to pay towards the next procedure. 
This was explained to me by the people at my XXXX XXXX location. I object to this policy by Care Credit. XXXX told me that Care Credit wants its vendors to do this.
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XXXX XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful
Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure it is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. A loan Modification packet was submitted on behalf of the client on XXXX/XXXX/XXXX to your office. It was confirmed the documents have been recieved with your office. The borrower complied with all request for documents. Your office informed our office on XXXX XXXX that additional documents were needed and the file is in review. Yet there is a active sale date. As stated above you are required to postpone or cancel the sale date while the file is in review.
I have XXXX loans serviced by ACS Education Services -- a Perkins loan and an institutional loan. I am enrolled in the automatic ACH auto-debit program, a program which, as I understand it, is designed to assist in and ensure the timely collection of monthly payments. ACS has informed me that because I am enrolled in the ACH program, it is unable to generate monthly billing statements for my account -- either to be mailed directly to my billing address or posted on my secure online account -- prior to automatically deducting funds from my account. Such a policy prevents me from maintaining accurate and complete records and otherwise makes it difficult for me to manage my account and get timely information about my loan repayment. If ACS intends to automatically collect money from me each and every month, then at minimum, it should be required to provide me with a monthly billing statement without requiring me to un-enroll from the ACH program ( a program which is mutually beneficial to both the borrower and the loan servicer ). I further note that my other federal loans servicers besides ACS, namely XXXX and XXXX XXXX, are able to provide me with a monthly billing statement ( on their secure online portals ) without requiring me to un-enroll from their automatic debit programs. I am perplexed why ACS is thus unable to do so when other loan servicers do so.
Bank of America changed the status of account from closed, XX/XX/XXXX to open, late as of XX/XX/XXXX. Score plummeted as a result.
XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
EXPERIAN/XXXX/XXXX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX  today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. EXPERIAN/XXXX/XXXX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. EXPERIAN/XXXX/XXXX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.
Mitsubishi is reporting me late on  XXXX  and  XXXX   2017 but I tr aded this car in and got a new loan with  XXXX   XXXX . This is hurting my credit and am asking for these late payments to be removed.
The loan is currently being paid, however I have been notified by XXXX XXXX XXXX XXXX. on XX/XX/XXXX that I owe {$160.00} from an unpaid balance from XXXX College XXXX XXXX. I left this school about 10 years ago and advised the school I was dropping out. They never said anything about an unpaid amount. They never once tried to contact me about any debt I owed in all of these years. The school closed a couple of years ago. Then I received a letter claiming I owe this random company money from XXXX. I called them on XX/XX/XXXX and was rudely given a number for XXXX which is their sister company. I wanted to dispute this claim and both workers from XXXX were very rude. They told me to call XXXX which I did and I spoke to XXXX who was a little confused about the situation and stated XXXX bought old debts from different colleges and was forcing everyone to call XXXX. I informed him of the situation and he told me to continue to dispute them on it he also deferred the amount for now. I also emailed them of my dispute on this date and did not receive a reply. On XX/XX/XXXX I received a letter dated XX/XX/XXXX with writing saying I had 30 days to pay my amount and they dropped 25 % down to XXXX and they would not renew the offer. With the letter was records of everything owed and everything paid. When I checked the balance on the documents it said {$0.00} in two places! I also did all of the calculations multiple times and had an accountant look it over, which they stated the amount is also {$0.00}. I emailed the email address in the letter and it bounced back as undeliverable, so I tried another email. I am waiting on a response and will call again tomorrow on XX/XX/XXXX.
The date on this is from XX/XX/2016 originally from XXXX and sold to valley empire collections in XXXX Washington the state I live in is a non collection state and I was never once notified if this bill nor advised it was being sold. It is against policy I would like this removed from my XXXX report immediately
In the beginning ofXX/XX/XXXX I Purchased a cell phone from XXXX by buyer name XXXX XXXX I took over a week for me to get this item yes actually we sell the item out. And it took me over a month to try to get it activated and it was not possible, I went to XXXX store several times and called customer service several times as well as the manufacture of the phone which is algae. The manufacture told me it wasnt possible to activate the phone because it was an event in this cut from this country. I contacted XXXX but it was past the 30 days so they couldnt do anything so I called XXXX  for a refund the seller was giving him and me a hard time as two he wouldnt respond to me and stop replying back to XXXX. Before he stop replying to XXXX he told them to us that he wants the phone back and then I will get my refund I told him if he pays the shipping which he did not want to do. From then XXXX  told me to call Discover card which is my card that I paid the transaction. On XX/XX/XXXX a dispute was made and they refunded me the money back temporarily then In XX/XX/XXXXthey told me that they didnt get the item I had to send the item out when XXXX had told me I could keep it prior to that. So from there I had to go to the post office in XX/XX/XXXX so I cant send the item out answers and I also sent out proof with pictures with a picture of the package in the postal package and also the receipt of postal with the tracking number. In XX/XX/XXXX or XX/XX/XXXX I received a notification that the amount owed to me was reversed When I had already uploaded all documentation. They reopened the dispute reimbursed me the credit again and then now today on XX/XX/XXXX I received an email saying that the dispute was closed for the second or third time and that the seller is saying that theyre still saying that they did not get the item when I uploaded proof that I sent out the item to the post office and I also sent out the post office receipt with the trackingNow discovered never informed me that I needed to go to the post office to pick up a form stating that this item was delivered all of these months later they telling me this now. When all of this started I told him in the beginning that the seller would do this I told him that the seller would try to keep my money and also keep the item which is the cell phone and hes getting away with it this is an OK hes not going to keep my money in Discover is not doing anything further