WillisBack/dataset-financial-user-claim huggingface dataset:
I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. 
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical! 
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. 
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. 
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. 
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! 
XXXX XXXX XXXX
From my XX/XX/XXXX to XX/XX/XXXX statement, my excess payment was applied toward a promotional balance, which has a 0 % APR instead of my regular purchase balance, which has a 17.40 % APR. In fact, my regular purchase balance went up from {$2400.00} to {$2900.00}, while my promotional balance went down from {$9600.00} to {$7800.00}. I spoke to a XXXX with account executives at USAA on XX/XX/18 and he stated that this was merely because of new purchases, which still makes no sense.
On XXXX XXXX 2016. Franklin America Mortgage deducted {$220.00} for a payment to Hazard Insurance. However, this had just been paid on XXXX XXXX, 2016. I made the first call to Franklin American on XXXX/XXXX/2016 and was told that a check was sent to my insurance company but the insurance company rejected it several times and they ( FAM ) would adjust my account within a week. I also asked for an insurance bill. 
I called them again on XXXX because the amount was not refunded to my account and was told basically the same story by different reps on calls made XXXX, XXXX, XXXX. 
On XXXX XXXX I decided to stop calling and start getting things in writing from the Franklin American. Below is a summary of the different stories I 'm being told. 
XXXX - FAM response : A check will be mailed to me directly by the insurance company. 
XXXX - My response : When will the payment be mailed to me? What is the name of the insurance company, phone number etc. 
XXXX - FAM response : My insurance XXXX XXXX from the XXXX XXXX XXXX submitted a request to have the premium refunded on XXXX XXXX, 2016. He can be reached at XXXX. 
XXXX Called XXXX to check the status and XXXX said he did n't know anything about this but to provide him an invoice or an account number from the insurance company and he would ask for the refund. 
XXXX - I emailed FAM asking for the refund. 
XXXX - FAM response : According to our records, our insurance department is awaiting the refund to be applied back to our escrow account. 
XXXX - My response - This is not correct. I need a copy of the insurance invoice Franklin American Mortgage received and paid. This seems like fraud. I have asked several times for this invoice and I get a different story every time. 
Another problem is that my loan is being take over by another company as of XXXX and FAM has not corrected this issue. 
Thank you,
I purchased my home in XX/XX/2017. My home 's value went up since closing. I financed it from Wells Fargo. According to Wellsfargo home mortgage website I am able to cancel your PMI earlier, based on its current value. I called Wells Fargo mortgage department to get more information about how to cancel my PMI. I was told that if my homes value is more than {$300000.00} I am able to cancel it. I was also told that I need to get a home value assessment to confirm its value. 
I filled out the necessary papers and pais {$200.00} for the assessment. They sent a broker for the assessment. The broker assessed my homes value around {$340000.00}. 
I called Wells Fargo to learn when the PMI is going to be cancelled I was told that I am not qualified for cancellation because I havent done any significant structural improvement. 
When I called them at the beginning they never told me that I had to do structural improvement. Now, they are telling me that I have to do around $ 27K improvement in order to cancel the PMI. 
I was misguided by Wells Fargo website and its customer service representative about canceling PMI. 
Later, I called they customer service for a resolution and created a case number more than a month ago. No one called or emailed me regarding my complaint. I called several times their customer service to find an answer but no answer.
I co ntacted Discover Card to g et a debt loan consolidation. I was quoted 11.99 % and 10.99 % with direct deposit. I decided to shop the loan around for a few days and called back to accept. When I called back, I was again offered the same rates, but I inquired about getting something even lower than 10.99 %. After speaking to a supervisor she ensured me that 10.99 % was the lowest rate they could offer me. I decided to accept the offer and when I received the paperwork I noticed they kept the rate at 11.99 % and did not lower to 10.99 % as promised with direct deposit. I have all of this on a recorded line and they are refusing to honor their initial request.
I pulled my credit report and noticed a collection account from XXXX XXXX in the amount of XXXX. I mailed a letter to XXXX XXXX requesting the documents that validates this debt. They mailed me a letter back demanding my attorney contact information, and failed to send me validated proof.
On Friday XXXX XXXX at approximately XXXX, I deposited a certified check for {$1500.00} into my account at my local branch of US Bank. The bulk of the funds were to be transferred via XXXX XXXX XXXX for a 'mystery shopping ' survey. I would not transfer the funds until my bank made them available to me, so I checked my account balance online every XXXX minutes to an hour. The funds showed on my app as being deposited, but not yet available. The app shows both balance and available balance. When I woke up Saturday morning, my available balance equaled my balance. Saturday morning, XXXX XXXX, I transferred {$1200.00} through XXXX XXXX XXXX as instructed. On Tuesday, XXXX XXXX, I was unable to check my account online, so I called US Bank and told my account had been put on hold because it was overdrawn. After being transferred to fraud prevention, I was told the certified check had been flagged on Monday and the funds put on hold for seven business days. I intentionally waited for the funds to show as 'available ' before transferring them as I was worried about just this situation occurring. In showing those funds as 'available ' when they were in fact not, my bank directly lied to me and is wholly responsible for this over draw with their deceptive practices. I ask they be penalized for fraudulently using the words 'available balance ' when I have learned that that was not the balance available.
Dear staff I am writing regarding a problem I am having with Equifax. I am unable to retrieve my credit report and score from them using there credit monitoring products, in addition No one else can retrieve a credit report or score online I have been unable to get credit and better interest rates because no company can get any of my information from this company so I am only able to use the other burueas. I have made multiple phone calls and spent hours on hold. the agents at Equifax also say they are unsuccessful in retrieving my credit report. they stated they will put in a ticket to get it fixed. because of this I have lost the opportunities for greater credit limits and better interest rates since some companies rely on an Equifax score and report. I am now only able to use The other XXXX bureaus for credit as I stated before. this company has cost me a great deal of money and time. I want my credit report fixed. 

also note that the credit cards I currently have are not being reported to Equifax because my creditors are saying when they send over a new tradeline to Equifax it comes back with an error message or a kick back from the company. 

also note this been a problem for almost XXXX years and I have tried many times to fix this with the company, unfortunately I now have to seek help from CFPB.
On XX/XX/XXXX I was contacted by XXXX XXXX to consoldiate my student loans and to enter in to a student loan forgiveness program. There contact information is XXXX address is XXXX XXXX XXXX XXXX . XXXX XXXX CA XXXX. Starting XX/XX/XXXX through XX/XX/XXXX the company ACH debited my account for each months for a transaction of {$100.00} and a seperate transaction for {$0.00}. i was contacted by XXXX my actual Department of Education Loan Servicer on XX/XX/XXXX stating that i was 177 days past due and was fixing to be in default with my federal student loan. i told them that i was working with a third party servicer paying them a monthly payment towards my loan. They informed me that i was involved in a student loan scam and gave me the number to contact CFPB. I have also contacted my bank that the funds were withdrawn from and have put a hold from this company to withdrawl and more funds. This company has taken {$1600.00} feom my account and refuses to pay it back to me.
Specialized Loan Servicing is clearly manipulating what goes to principle and what goes to interest. This is show in their monthly statements. Anybody running a amortization schedule for XXXX fixed rate loan at XXXX term of 180 months amortized over 360 months can not have a payment of XXXX that the entire amount goes to interest. That is mathematically impossible. Yet, my payments does exact that as shown in statement for XXXX XXXX. I am around the XXXX to tenth year of loan. What is prevent this company from saying one cent goes to principle and rest goes to interest. This practice must stop before more consumers are harm by possible illegal practice, which force people into balloon payment when their settle statement might say else wise. This has been going for months
Hi! 

I applied for a new apartment building in XXXX, MD. They told me my application was denied due to something in XX/XX/2013. I ran a credit report that stated I have no " No fraud indicator on file XXXX Records Found '' However, this is the message I received from the landlord. I would like to be provided with additional information from XX/XX/2013 on what is showing on my account? I have never been denied in my life? 

-XXXX Hello XXXX , I am sorry that it has taken me so ling to get back with you. I have been working on the outcome of your application. 
Everything was good except the credit Reports. It has something on it from XX/XX/2013, I don't know if you can reach out to the Credit Company Equifax XXXX to get this removed off your report. 
Please let me know your thoughts on this and let me know what you would like to do. 
I am sorry that I have to request that you try to get this taken off your report so that we can re-run your credit report. 

Sincerely, XXXX
I have disputed this account twice, I have not had services from this creditor in at least ten years. So even if it was XXXX of my old bills, it is past the statute of limitations in Illinois to be on my credit report. But, it is not my bill.
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and Trans Union regards inquires that are reporting to my credit report that occurred before I became XXXX years old. I turned XXXX on XX/XX/XXXX. XXXX  stated that I was born in XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.
I was a part of the disaster recovery modification program since my home was damaged by the storm. In XXXX Caliber Home Loans started me on a three month trial plan. That I successfully complete in XXXX of this year. They sent the letter the second week in XXXX and then said it was due XX/XX/XXXX. A letter that must be notarized for the application to be complete. With transit time, I had less then two weeks to return the notarized application. 

I returned it on XX/XX/XXXX and sent it priority mail. I did it as quickly as possible. Fast forward to today and I am getting a foreclosure notice on my home and Calber Home Loans are demanding the {$11000.00}. First, less then two weeks to get a notarized paper back and forth is highly unrealistic. I did the best I could and spent my own money to send it priority mail. Second, today they are telling me that I am no longer eligible for the disaster modification, because I did not get the paperwork back on time and that I have to start all over with a new modification process. After an hour with them on the phone, everyone said I had to start the process over and that the time during my disaster recovery would count against me on my credit report. 

I don't want to lose my house so I tried to jump through their hoops, I go to upload the paperwork they want and it wont let me. It says I have to call, error XXXX. It is like they are doing everything they can to try to ensure I go in to foreclosure. How many other people are they doing this to? A two week turn around for a vital document like a notarized loan modification isn't fair and I think illegal. They should be ashamed of themselves for trying to take peoples home who have done everything they have asked of them.
Virtuoso Agency located in XXXX Colorado. The customer service agent was very rude. I had sent them a police report and other items verifying that it I was a victim of identity theft. The original creditor direct energy cleared the balance realizing it was identity theft. I asked the debt collector to send paperwork to XXXX to clear my name. Virtuoso is reporting that it is in open collections to the credit agencies. The agent was rude and said I am not your friend and I do n't care and I do n't have to help you. All I asked was them to send a letter to XXXX that the account was recalled by XXXX because of fraud. They are reporting to the credit agencies even with the fact that they know its fraudulent debt and wont do anything to clear it.
Harvard Collections Department of Human Services This was a debt for over payment of foodstamps which was paid of by subtracting foodstamps benefits from me. I have wrote in disputed this amount with the company I requested for paperwork along with a itemized over payment schedule. If I owe this amount I'm the sole owner. After reviewing reports from the specific location Where I sign up for the Foodstamp program a host of employees were caught for collecting foodstamps at there clients expense. This is why I ask for proof on paper of this so call over payment. All of a sudden this claim has been deleted. I requested for this to be taken off my credit report since Department of Human Services did not respond to my many request. This case was not fraudulent this matter was uncertain.. I love the fact when collection are being drop of my report but I like explanations. Was I right did Department of Human Services make a mistake. If not I will like confirmation in detail of this overpayment so I can rectify this situation.
I requested credit reports on line from all three major bureaus, XXXX, XXXX, and Trans Union.  XXXX and XXXX responded properly. Trans Union said it could not provide my report and I must request it via XXXX, which I did. It then responded that it could not verify my address and asked for two pieces of proof, which I provided. It then responded that my report is " suppressed. '' I believe this attempt to avoid providing my report to be a violation of the Fair Credit Reporting Act and am requesting any assistance you can provide. Thank you.
I have talked with XXXX XXXX  for 3 months in regards to my payment plan selection and forbraence. One XX/XX/XXXX I made a {$5.00} payment to start processing my loan repayment I was to have my forbearance until XX/XX/XXXX.Today XX/XX/XXXX I received a text saying I was delinquent.1. My payment plan has not been processed. I have not received notification of that ( XX/XX/XXXX has stated that they did not send it to my paperless inbox but via mail- I opted to the paperless inbox ). 2. My forbearance was supposed to be until XX/XX/XXXX (XX/XX/XXXX stated they dont know why the forbarence lapsed for 10 days- they claim they were they were going to correct that ) I called multiple times about the bill I received on the XXXX, but every person I spoke with said that bill was created to begin processing my payment plan request. By using deduction 1. My payment plan request was supposed to automatically put my payment in forbarence 2. The lapse in 10 days was never noted to me.3. No one can tell me what happened. I want answers and I was given none. 4. I dont want my credit impacted by their error.

I pay all of my bills on time and I trust, the American people trusted XXXX XXXX XXXX to ensure that payments and request are processed in decency and order.
XXXX XXXX XXXX, with whom, I do not have a contract with, is reporting on my Equifax credit report. In an attempt to validate the account, I requested a full validation of this account and XXXX completely ignored this request.
ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years
XXXX XXXX, XXXX # XXXX, Mortgage Capital Associates, Inc. XXXX XXXX XXXX. 
Changed the lender credit to {$500.00} from {$1500.00} for the HUD statement from the title company before closing on a 15 year refinance. This is a {$1000.00} drop from the last updated disclosure. 
They were slow in setting up an appraiser, did not set up an appropriate lock timeline given XXXX hot market, asking for papers that could have been supplied early on in process beyond the lock date. 
The claim that there were extra costs and delay because of the subordination notice. This subordination fee was already included in the dated XX/XX/XXXX detail. The appraisal was also competed before this.
Portfolio Recovery Associates XXXX has been leaving intimidating messages and has continued to mail treatening letters in an attempt to pursue a debt that is over, get this XXXX years old! 

The debt was jointly incurred in a marriage that no longer exists. The marriage was dissolved in the XXXX XXXX XXXX, State of New Jersey on XXXX XXXX, 2001. 

The statue of limitations on civil matters is two years. The statue of limotationa on bankruptcy is seven. Had I declared bankruptcy this debt would have formally been discharged. 

Yet Portfolio Recovery Associates is making a living out of these Zombie debts. What manner of human being would consider pursuimg a matter for this length of time. It is my contention that it constitutes harassment and since it was a debt incurred in a partnership that no longer exists, they have no legal standing. We will forget about the ethical standing of pursuimg a XXXX year old debt.
I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX