WillisBack/dataset-financial-user-claim huggingface dataset:
Upon careful review of my credit reports I found a collection agency listed attempting to collect a debt on behalf of  XXXX . I have never had a  XXXX  account nor did I ever apply for a  XXXX  account. I have tried to make several calls to this agency but have not made any contact as there was a constant ring on the other line. This collection agency never made any contact with me via in writing or by phone so I was never aware that my name and social was used to open an account with  XXXX . This collection agency has not mailed any written communication for me to dispute this account.     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account.
RE : Nationstar Mortgage LLC ( AKA. Mr. Cooper ) I purchased a home financed by a VA mortgage through NationStar Mortgage LLC on XX/XX/XXXX. 

When I received my first bill, I realized the amount was wrong, in that it was approximately {$200.00} too little ( Approximately {$1800.00}, should be {$2000.00} ). 

This {$2000.00} reflects my mortgage, and insurance, and taxes paid in escrow. 

I pointed this error out to NationStar immediately, and paid {$2000.00} towards my payment, as it should be. The error was in the amount calculated for taxes. 

I continued to pay my mortgage in the amount of {$2000.00} for the remainder of the year. 

On or about XX/XX/XXXX, I received a letter from the town of pending lien, that my taxes had not been paid. 

I notified NationStar, and was assured that it would be taken care of. 

On or about XX/XX/XXXX I was sent a follow up notice of pending lien, and I called the city tax-collector and confirmed that NationStar had not dispersed the taxes due.

I again called NationStar, and they again assured me that it would be sent to their tax department to take care of and that I should not worry about it.

On the date the lien attached, I called the city tax collector to confirm that the taxes had been paid. They told me the taxes had not been paid, and a lien would be in the mail the following day.

I called NationStar again, and after 20 minutes on the phone, they apologized profusely and assured me that it would be taken care of.

I received the Lien in the mail a few days later, and again called the tax collector, and again called NationStar, and was told the same thing again.

To date interest of {$110.00} has accrued, a lien fee has gone on the public record of my house, attached to my name, and a lien fee of {$24.00} has attached, a total of {$1400.00} has gone unpaid in taxes, and I have over {$3000.00} in my escrow account with NationStar that they will not release to pay them. 

Today on XX/XX/XXXX, I again called NationStar, and was told that they called the tax collector, and the tax collector said nothing was due. I live in a city where the tax collector picks up the phone on the first ring, and can answer my questions in seconds. I have called personally called the tax collector 4 times, and they immediately are familiar with my address, and the exact amount due on unpaid taxes and the status of my lien. There is no scenario in which NationStar is being honest by saying they called the tax collector. There is only a small handful of employees in that office, and every time I've called the person answering the phone is not familiar with anyone from NationStar calling about this lien, although they are always familiar with the lien within seconds as if they have a clipboard in front of them with limited liens on property in this smaller city.
I participated in the " Payment Safeguard Classic '' program provided by Citibank through Citi/Aadvantage XXXX XXXX MasterCard. One of the benefits in that program is called Auto/Home/Renter Deductible : " Either the Account Balance Credit or the amount of the deductible whichever is less, up to {$500.00}. The Account Balance Credit is equal to the new balance shown on your statement for the billing period in which the loss occurred. '' On XX/XX/XXXX, I got a car accident and my car insurance paid for the repair but subtracted the deductible of {$500.00}. For that billing period ( XX/XX/XXXX-XX/XX/XXXX ), my statement balance is {$500.00}, so I submitted a claim of {$500.00} ( on XX/XX/XXXX ) as per the  Auto/Home/Renter Deductible benefits. However XXXX XXXX ( the insurance/service provider of Payment Safeguard program ) refused to pay the coverage. They told me the " loss date '' was defined as when the deductible was paid and according to my car insurance company record, they sent me a check to cover repair payment on XX/XX/XXXX which was in the next billing period with no balance. XXXX 's definition of " loss date '' does not make sense to me as I suffered the loss on the day when the accident occurred ( XX/XX/XXXX ) and I have no control over when the car insurance company cut a check to cover my repair, so I asked XXXX where I could find the definition. XXXX told me it should be somewhere in the program T & C. I went back to check the T & C and found no such definition. When I called back to ask for clarifications, I was then told it 's a well known definition, so they do n't have to put it in the T & C. I think they just refused to honor the coverage benefits regardless of the program T & C. I have attached XX/XX/XXXX 's latest version of T & C to show the fact that there is no definition of " loss date ''. I do n't know XXXX 's real intention of not providing clear definition of such an important term. However I believe a generally accepted definition of " loss date '' should be the date when the accident occurs.
Disputed items with Experian, XXXX, and XXXX, all three came back as verified. XXXX 's rentals had a write off bad debt. I have called XXXX 's about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXXXXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is Experian and XXXX still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX, 2017 by both Experian and XXXX. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX 's can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how Experian and XXXX verified these accounts and they need to be removed.
I have been trying to do a loan modification since XXXX due financial hardship n XXXX and XXXX ; it has been 3 years of being pushed back from the mortgage servicer, which has changed XXXX already. My unpaid balanced grew to the point of foreclosure instead the company tried to helped me out to keep my home.
As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.
i would like to file complaint against wells fargo home mortgage loan.
i have been paying my monthly home mortgage loan since XX/XX/XXXX. i noticed there is something wrong with my statement they been sending me. i requested copy of my monthly statement. it does not show where my payments are being credited, its rather confusing. everytime i called up wells will just tell me they will just call me back but they never return my calls. again, although I 'm sending my payment every XXXX day of the month starting XX/XX/XXXX to todate i can not seem to understand where my payments are being credited. these are statements they just sent meXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX.
My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. 
If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts.
My house was illegally foreclosed on XXXX/XXXX/2015. The bank did not generate documentation that they legally hold the original deed and the title nor they showed any interest in numerous modification attempts that I tried. Please help me resolve this situation and get my house back to me. I know for a fact they have fraudulently foreclosed on me and the mortgage audit has shown that they have committed a securitization fraud at least.
XXXX loans are XXXX years old!!!! Is there not a time limit for how long company 's can keep it on your credit report??? Also! I was never in the XXXX! I served in the XXXX!!! I have XXXX brother 's who served in the XXXX!!! I also never lived in XXXX, ca.!!! But!!! My brother XXXX XXXX did!!!! Also I do not owe anything to XXXX!!! They are lying to get another {$110.00} from me!!!!! My credit reports are frauds!!!!! Fraudulent!!!! A complete inaccurate, disgrace!!! Fix these reports and update them correctly!!! Its about time!!! You leave things on there forever!!! You believe anyone without proof!!! You ca n't even get my personal information correct!!!!!!! You even have me confused with my brother XXXX!!!! Or XXXX XXXX, who were in the XXXX!!!! Get it correct!!! The XXXX!!!!!! Please do your job, do n't just collect your paychecks!!!!!!!
I received a voice mail on my work line, from a woman named XXXX. She said she was with a arbitration group. She said it was regarding a bad check and with the intent to commit fraud. She also stated the last four of my social security number in the voice mail. She stated my salary was going to be garnished or my drivers license was going to be suspended. My daugher then called and said they left the same voice message on her phone. I called the number left. I spoke to XXXX and she stated it was with XXXX XXXX XXXX. I told her I was in the process of filing bankruptcy but she said it did n't matter if it has n't gone to court yet.
I refinanced with Family First Funding LLC on XX/XX/XXXX and was told not to make a mortgage payment for 2 months and expect escrow of about {$4000.00}. On XX/XX/XXXX the old mortgage company XXXX XXXX deducted my payment from my account. Contacted XXXX XXXX and was told that XXXX XXXX XXXX had sent the payoff on XXXX/XXXX/XXXX to XXXX XXXX, but XXXX XXXX had not received it as of XXXX/XXXX/XXXX. I was directed to XXXX XXXX XXXX XXXX and the agent told me the money had been " intercepted ''. Upon questioning I was told that because of my name and background and religion the money was " intercepted '' and had to be checked out. Then in mid-XXXX XXXX XXXX XXXX once again takes out my old mortgage payment because they still have not received the payment. I stopped the payment. At the end of XXXX XXXX XXXX reported that they had received the payment but because of late fees and penalties my escrow was only {$1500.00}. Meantime XXXX XXXX sold the mortgage to XXXX XXXX. I made my XXXX XXXX mortgage payment but received a letter from XXXX that the company had shorted the escrow and that I owed an additional {$960.00} in interest and penalties. Every agency tells me that there is nothing they can do and will not speak with my any more.
I have contacted transunion via mail several times to get them to remove a negative 11-year account from my credit report, to no avail. After several months of communicating with  transunion, the account still exists. The account is from XXXX from 2007.
My account with XXXX XXXX Bank was closed and the balance was sold to XXXX XXXX in XXXX of XXXX. 
XXXX XXXX Bank stopped reporting late payments in XXXX of XXXX. 
XXXX XXXX began reporting as a collection account in XXXX of XXXX. 
XXXX XXXX began using XXXX XXXX XXXX XXXX for their collections at an unknown time. 
I began making bi-weekly payments of {$60.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX to pay the balance. 
o Paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has updated my credit report monthly to reflect the balance decreasing. 
XXXX XXXX Bank added a FAILURE TO PAY to my credit report for XXXX of XXXX. 

XXXX XXXX Bank NO LONGER OWNS THE DEBT and should not be reporting a new late payment more than 3 years AFTER the debt was sold. I am making payments to the company that owns the debt. 

To date, they still will not correct my report to remove the late payment in XX/XX/XXXX for a debt they do not even own.
XXXX XXXX assured me on XXXX/XXXX/2015, and various other times that a request to delete the collection on my credit report was sent on XXXX/XXXX/15. I was advised to initiate disputes with the credit reporting agencies, which I did. I received a letter today from Equifax stating that the collection item was verified on XXXX/XXXX/2015, and the collection still remains on my credit report. I called XXXX XXXX again, XXXX XXXX ID : XXXX, advised me to call all three agencies to alert them that the deletion request had been sent on XXXX/XXXX/15 through XXXX, and that they could personally call him at him extension to verify the info. I did as he instructed, yet each of the credit bureaus assured me that they had not received the request. Each instructed me to do different things, Equifax instructed me to alert XXXX XXXX that they need to contact their business office ; XXXX assured me that they will contact XXXX XXXX to verify the request for deletion ; XXXX initiated a dispute that would take up to 30 days, saying that the only way to expedite the investigation would be to get XXXX XXXX to issue me a letter stating that the request was sent in for the deletion of the collection ( a letter that I previously requested from XXXX XXXX when I called XX/XX/XXXX ). I spoke to XXXX XXXX at XXXX XXXX, and XXXX XXXX ( XXXX supervisors who I discussed my account with previously ). XXXX stated that XXXX had been preparing a new deletion request to be sent through XXXX today. XXXX, however, did not mention that fact to me, but offered to send me a letter stating that a request for deletion was indeed sent. 
When I initially received a call from XXXX XXXX, I alerted them that I had made a partial payment to the energy company, and agreed to pay the balance in full that same day. They were supposed to debit my checking account for the balance, once they confirmed my partial payment with the energy company. I was assured that the collection activity will not be reported or appear on my credit report because I was paying off the amount within 30 days of them receiving the account. Because I authorized an amount that was {$.00} more than I owed, XXXX XXXX did not debit my account, nor did anyone call me to alert me of the problem. They sent the collection to the credit bureaus, then called me to get authorization to debit the lessor amount from my checking account. This collection has lowered my credit score by almost XXXX points, and it 's affecting my ability to get an approval to close on the purchase of my new home in a week. I 've been getting misleading information from every party involved, yet the collection remains on my account.
I contacted XXXX XXXX on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with XXXX XXXX that I want to keep.
I am being garnished for a credit card from 2008, the amount said to be owed is XXXX with fees and such the grand total to be XXXX. However when I called Atlantic Credit and Finance XXXX informed me that I had XXXX accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.
Last year i was paying {$150.00} dollars. This year I received a letter saying that I owed XXXX..I called fedloan and iinquired about the loan and they were not helping me so. I called the Department of education ask if they would change my loan handling service because l Was not please with Fedloan service. After few days i tried calling Fedloan Service again. I think the young lady name was XXXX that talked with. She was really nice and she informed me that my loan was reduced to {$320.00} dollars ahe also told the I had made 28 payments towards my public service forgiveness loan. Today I received a letter and the statement looked like i have not paid anything. It also stated that the final payment is in 2027 which would be Ten more years. My XXXX XXXX is up and i am now stress out. Could someone please help me and give me a new loan service before this one put in hospital and i want be able to Pay anything. I have always tried to pay my loans off and on time. Your help would be greatly appreciated
I have a bank loan being held up for the last 2 months due to a {$160.00} charge off about 18 months ago that showed up on Equifax report. I contacted Equifax and requested a print out of the item in question and when I received it 2 weeks later ( told it had to come by mail ), it had no more info than what I already knew which was that some commercial card vendor wrote off {$160.00}. I called back and was then told I had to fax a form in requesting who the vendor was. I did that and was told that I would get an email response within a few days. That was on XXXX and I still have not received a response. I called just now and after 15 minutes on hold I was passed to two different departments and then was told that I would have to call again tomorrow since it was now XXXX and the person I was speaking to could not get me the vendor info. This has been extremely frustrating and very poor service all along, and I still don't have a resolution.
I opened an account at Citizens Bank in XXXX, NY, on XXXX/XXXX/2015. I closed the account 5 days later on XXXX/XXXX/2015 when I realized I no longer needed the account ( reconciled with my wife ). 5 days later the bank processed checks on my closed account and charged me XXXX which forced my account open. Because it was in overdraft, I was charged an overdraft fee of approx. {$35.00} and a sustained overdraft fee of XXXX each day thereafter ( after 3 days ). The overdraft notices was not sent to the correct address ( mailing address on file was incorrect ). By the time I was first aware of the problem, it had accrued to over {$100.00}. 

I do not understand how checks can be processed on a closed account. Furthermore, an immediate contact should have been made when my account was forced open, and a valid phone number was on file at the branch. In addition, when asked for proof of payoff, a " print screen '' was given to me, instead of a account activity statement showing a zero balance. This print screen, which could have been accessed at anyone having access to the printer, displayed my birthdate, age, account number, debit card number, and full social security number. This information should have been masked ( SS # and account # - PII ). 

The bank officer was XXXX and the manager was XXXX. I did pay off the account because I did not want it to continue to accrue fees, but would like reimbursement. Also, I would like to know what XXXX procedures the branch has in place to ensure proper communication of such events. Also how they protect customer information at the branch. This seems against Regulations.
By mistake, I schedule payment of my monthly amount due to TD Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called TD Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with TD Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me.