WillisBack/dataset-financial-user-claim huggingface dataset:
My mother ( co-signer ) was contacted by the XXXX XXXX XXXX XXXX, demanding her to pay the amount of $ XXXX from XXXX XXXX Loans which includes the principal, interest, and fees. I was confused because I had my student loan was discharged by Federal Student Aid and is currently in 3 year discharge monitoring period due to low income and XXXX. Therefore, my mother, the co-signer, does not owe the debt, neither do I. For precaution, I rechecked with the Federal Student Aid and I'm still under monitoring period and I already gave my income information of 2017 which it hasn't changed for years. If you want evidence, I'll happily provide it, just let me know where to send the information or you can check it out by yourself by contacting the FSA. 

Please, inform the XXXX XXXX XXXX XXXX that my mother and I do not owe them anything and to desist any further contact.
I have disputed the account with credit bureaus several times and debt always comes back as valid. I did not use this company 's services.
They sent me an arbitration letter and he said I had to sign it now or I would be subpeona at my job the following day and that I had to pay a down payment which I paid {$75.00}. I asked if I could just call him back so I could look up the account information he was referring to. He said he would take my home if I didn't pay. I signed the letter because I was freaking out that he wanted to take my home. So that was mid XX/XX/XXXX, then he was supposed to take an additional {$830.00}, but then I called my banking institution and spoke to their records dept and they gave me a different account number. So I called the debt collector back and he said they had the right to change the account number and that I had to pay by XXXX XXXX time. I told him I would pay any valid debt, but wouldn't pay on an account that wasn't mine. So I asked him to re-send the paperwork with the correct account number and he refused. I called him back to tell him I spoke with the Attorney General and the FTC and he started yelling at me and said " good luck winning in court '' and hung up on me.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove.
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( First Data ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, First Data ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from First Data about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company XXXX XXXX. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
I took out a Citibank loan while attending XXXX XXXX University as an international student. This loan has since been sold to XXXX XXXX XXXX XXXX whose account ends in XXXX with a reference number # XXXX. 

Currently Citibank is still reporting that I have miss payments even though I pay XXXX XXXX XXXX a $ XXXX  monthly fee. I need Citibank to stop reporting missed payments for a debt they no longer own.
On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. 
Thank you MIB Ref # XXXX
In XX/XX/XXXX I received a phone call from XXXX XXXX regarding a debt. The man I spoke to said he was trying to collect a balance that was delinquent of {$1700.00} from XXXX XXXX. I told the agency that I do n't have an account with XXXX. I never requested an alarm system. I told Hillcrest to send a copy of the contract I supposedly signed. Hillcrest said it had to request the copy from XXXX.Till this day I have n't received any paperwork. I called XXXX on XX/XX/XXXX spoke to XXXX regarding a copy of the contract she said I had to go through Hillcrest. I told XXXX that Hillcrest said they had to request it from XXXX. I asked to speak to a manager. I spoke to XXXX she is a supervisor. XXXX told the same thing XXXX said. Then I asked to speak to XXXX 's manager. I spoke to XXXX the manager. She said she would email me what documentation she had by end of day. I 'm still waiting. I never spoke to XXXX XXXX in person, by phone, email, etc regarding an alarm system. I never authorized XXXX XXXX to run my credit.
To be brief, around XXXX of XXXX, I informed Ditech that I was unemployed at the time and that I was worried about my mortgage, since by that date I was perhaps two months if not more, behind. I was assured not to worry and that things could be worked out. I was told that if I could make payments on XXXX and XXXX of XXXX and XXXX of XXXX, then they would give me a loan modification. If memory serves, either late XX/XX/XXXX or first part of XX/XX/XXXX, I informed Ditech that I was still unemployed, despite applying everywhere and still looking daily for work. I was informed that as long as I make a payment, things could be worked out. Next thing, I receive a letter informing me that my home has been scheduled for foreclosure on XX/XX/XXXX. I was denied unemployment benefits, so even making a partial payment was out of the picture. All that XXXX wasted XXXX time talking to Ditech and being given, what I would now call false hope, just to lose my home anyway. In essence, it appears and feels as if I was just strung along until there was only one thing for Ditech to do and was to foreclose. We have no where to go.
An unauthorized and fraudulent inquiry was made on my Experian credit report on XXXX/XXXX/2016 by XXXX XXXX XXXX. The inquiry is unauthorized and fraudulent.
I am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. 


Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}
In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. 

This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. 

In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. 

At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. 

After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I  called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. 

This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.
We have submitted numerous issues to Specialized Loan Servicing and continue to have complaints joined together with the same responses and not addressing the problems as they are presented. The situation is serious as SLS is illegally demanding a monthly payment in the name of XXXX XXXX XXXX XXXX XXXX XXXX that has no interest or claim to our home. There is no legal document that supports their claim after numerous repeated requests for documentation. We have been provided an alleged XXXX assignment that is a COUNTERFEIT paper signed by XXXX XXXX XXXX employees without XXXX issuance of a Corporate Resolution granting limited authority as signing agents and without XXXX Corporate Seal. This paper violates XXXX requirements for assignments as described in the XXXX Manual. The agreement is not the one signed at closing, You refuse and ignore any effort to allow us to personally view the " ORIGINAL '' agreement you say is kept by the custodian that you repeatedly refuse to identify. XXXX does not have any right to be paid money they have no claim to and you have no right to demand payment for them. The only alleged document that has been provided is a counterfeit paper that was produced to illegally assign interest seven years after the trust has been closed, such a desperate attempt to take my home after the mistaken identity that I filed bankruptcy and I did not. We want to see the " ORIGINAL '' note! what are you hiding?
THIS ACCOUNT WAS TRANFERRED FROM XXXX XXXX TO THE POPULAR BANK WITH ERRORS OF LOSSES THAT DO NOT BELONG TO THAT ACCOUNT. THE POPULAR BANK CAN NOT REPORT THAT NEGATIVE INFORMATION IN MY CREDIT REPORT BECAUSE I HAVE NEVER PAID WITH XXXX  TO THE POPULAR BANK.
JPMorgan Chase is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to JPMorgan Chase including the XXXX Certification, XXXX XXXX and Occupancy Certification form. I have not received the full extinguishment as promised by JPMorgan Chase and have been waiting for two years. 
Under the Second Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program XXXX XXXX XXXX, a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
My first lien XXXX XXXX # XXXX ) was modified under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX XXXX Modification requirements. When a borrower 's first lien is modified under the XXXX XXXX Modification requirements and the first lien satisfies the XXXX eligibility criteria. 
Moreover, I was further told by JPMorgan Chase that through the extinguishment program, they would report to the major credit bureaus that the my second lien mortgage would show " paid and closed '' and reflect a zero balance.
I just received a letter stating that my mortgage payment is past due. All my bills are paid automatically through my bank 's Online Bill Pay. There are a few payees who have an agreement with my bank to receive payment directly, electronically, including my mortgage company. I accessed my account online and show my payment was sent and processed on XXXX XXXX, 2016. So I accessed the mortgage company website and found the payment was, in fact received on XXXX XXXX, 2016. Because it was received before the beginning of the month, they applied the entire payment to the principal. Two days later, the day after the due date, they consider my payment past due. They 've done this in the past and so I had adjusted my payment submission date to the XXXX of the month. However, this time the XXXX of XXXX was a holiday since XXXX fell on a Sunday. Because of the holiday, my bank went to the last business day and sent the payment on XXXX XXXX. It does n't make sense for a mortgage company to have a due date of the first of the month and not accept a payment made before that date.
On XXXX/XXXX/XXXX my employer received a voicemail on a general line where a collector ( XXXX ) working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, stated that there is a case against me where they will be doing an asset review, so I need to respond. I immediately called back after the owner of the company asked me to call them and tell them never to call back again for their unprofessional method of contact. The woman who answered the phone never introduced herself, never advised what company she was answering the phone for, and never stated that the script that the call was to collect a debt. She continued to verify my information. After verifying my identity, I asked her to remove the number of contact from her file ( identifying it as my employers line and they do not want this company calling again ), and was told that she will continue to call the number and harass other numbers on my file. I told her by law she can not. I told her I was not aware of the debt and would like the debt validated, as I am unsure if this is related to an old car loan where I was not responsible for the balance owed due a valid dispute with the company ( which was provided to the original lender over 12 years ago ). I was told that they would not validate the debt. And in addition she said that I am receiving mail from them but they do not have a valid address on file. <P/>I called back again due to the unprofessional nature of the Representative, this time another woman who did not identify herself answered, she again did not verify who I was. I asked her for the information of the company which she did provide, then asked her who do I address my complaint with. She went right into divulging details of their case, and said that the rep did note the account that they should not call the business. I explained that the rep was threatening to continue calling and harassing after being told not too. She said she did not meant that. The woman ( supervisor ) never took the time to verify who I was either, and continued to tell me that my asset would be up for review, she did not even tell me the call was for the purpose of collecting a debt either. But I explained to her that our calls here at work are recorded due to the nature of the business, so I have everything recorded. She did not contest the recording.I can and am willing to provide the recordings.
I contacted Property Manager XXXX XXXX on XX/XX/XXXX via email ( attached ) and requested to go to a month to month lease, XXXX. She agreed in the return email to XXXX starting XX/XX/XXXX. I had a 3 month lease previously signed but Ms XXXX agreed to change to XXXX since the 3 month lease had not gone into affect. Rent was paid for 2 months and we moved out XX/XX/XXXX and dropped keys in office the following week. 
The management main office did not accept their agent 's word on this matter and want to charge me an additional months rent for the prior 3 month lease I had signed. 
I sent all this into to the main office and they claim the 3 month lease is the one on file despite the fact their Property Manager agree to the XXXX   I feel they owe me the security deposit- carpet cleaning= {$170.00} They claim I owe {$1800.00} for last month and utilities for that month even tho I had all utilities terminated and paid in full They have hired XXXX XXXX to collect debt. XXXX XXXX is calling and threatening my credit constantly. Even called my boss ' cell phone
I have trusted ID and it shows on my credit report a wrong address.I have never lived in PA ever in my lifetime so this is incorrect information.I would like it removed.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX
Ocwen told me for months that they only needed my 2013 tax returns to complete the package for assistance. When I submitted them to Ocwen, they change the requirement to submit a new request. I have submitted a new request with all items needed yet I get emails saying nothing is submitted. Its taken XXXX years or more for Ocwen to provide assistance and they are indeed difficult to help struggling home owners.
There are two fraudulent hard inquiries on my credit report that I DID NOT authorize. They are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX