WillisBack/dataset-financial-user-claim huggingface dataset:
We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.
Credit Systems International out of Texas has the date of first delinquency of an old utility bill from XXXX XXXX of ours wrong. They it as XXXX when it is actually XXXX. I knew this had to be wrong since we moved from XXXX XXXX in XXXX of XXXX. I got a copy of the bill from the original creditor, XXXX of XXXX XXXX, and sent it to them to have them take it off my credit report since it should have fallen off in XXXX. They said XXXX was when it came to their office so that was the date they were using. I told them they had to use the date of first delinquency from the original debt and they said they could use whatever date they wanted and said that if I paid it now, they would delete it from my credit report, but otherwise it was staying on there.
Back in 2014 we filed foreclosure on our house with XXXX  XXXX XXXX. 
Sometime prior the forclosure was processed XXXX  XXXX XXXX sold our loan to Caliber loans but XXXX loans quickly gave it back to XXXX  XXXX XXXX and our foreclosure is with XXXX  XXXX XXXX. Caliper loans said on our credit reports that our foreclosure was with Caliber loans also. We only had one house and there was only one foreclosure and it was with XXXX  XXXX XXXX not Caliber loans. They need to remove this information off of our credit reports because it looks as if we had two foreclosures and we did not.
Signed up for secret shopper, got a money order for XXXX followed instructions cashed done shopping then made a money transfer for XXXX to XXXX XXXX XXXX XXXX California XXXX. Two days after get new assignment with monet orders totaling XXXX at which time I got concerned.
As a homeowner, financial hardship was experienced. The mortgage company was contacted for assistance ( loan modification ). The initial request for assistance was over two years ago. All documents requested by the lender were submitted, but there were frequent requests for additional information. As time went by, documents needed updating. And, on multiple occasions, the full package had to be resubmitted. To make matters worst, a XXXX Sale notice was posted in XXXX. A representative at the mortgage company said this was in error and would be put on hold since a review for assistance was in progress. Unfortunately, the mortgage company dropped the ball again as the XXXX Sale was not postponed. The homeowner was able to get an extension, but as per policy this should not have happened. The homeowners are elderly and on fixed income. The time, effort and stress has adversely affected their well being. For over two years assistance was received from a HUD approved non-profit housing counseling agency. Prior to that, assistance was received from a family friend in local banking. They are now preparing to meet with an attorney for assistance.
On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that  state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character
Navient also does not allow borrowers like myself to autopay more on their loans. I have complained to them before but have never received a response. You can only pay the minimum amount which also benefits them over time.
This is in regards to the TD Auto Finance debt listed on my credit report with XXXX. I have disputed this collection numerous times, provided definitive documentation to XXXX, and XXXX has refused to removed this account from my credit report. As you will see in the documentation provide to me from TD Auto, the original delinquency date on this account is XX/XX/XXXX. For some reason, XXXX keeps sending me information saying it was XX/XX/XXXX which is inaccurate. My account went into collections on XX/XX/XXXX and was charged off on XX/XX/XXXX. Per FCRA guidelines, we are now at either 7 years and 6 months from the 1st delinquency date or 7 years and 2 months from the charge off date. Either of these are passed the allotted time. Please have this account removed from my credit as it has already made me delay the closing on my new home once and now I have additional interest to pay. Thank you for your help in this matter.
XXXX/XXXX/XXXX RIPPED ME OFF FOR OVER 6342.000.
While attempting to refinance my V.A. Mortgage loan, I learned that I had collection against me for the amount of {$93.00} Dlrs. and that " XXXX XXXX ' was handling said collection, once I contacted said agency over the phone, I was told that the money owed was from a medical XXXX performed on XX/XX/2016. Further the statements where sent to an address that I had approximately 15 yrs. ago. 
I agreed to make the payment if Merchants would erase such claim from my credit report as if it was never on my credit report and to fax the financial co. a letter head receipt showing payment. Approximately three days later I contacted Merchants and spoke with Mr. XXXX who assured me that a letter head receipt was going to be faxed. 
It has been nine working days.
Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.
1. On XX/XX/XXXX Submitted Payment of XXXX which did not go through on My Debit Card Checking Account 2. On XX/XX/XXXX Sent XXXX XXXX XXXX which Was rejected by the company as told by on XXXX XXXX. They stated " Capital One Rejected the Payment '' 3. When calling on XX/XX/XXXX Capital One " The Representative was very rude '' she asked me how i was and i responded how are you, and she stated " Groovy '' in a condescending tone, after trying to give her the money control number to explain that i had sent XXXX for a payment, she stated the Account had been Closed. due to non-payment. 

I explained to her i had been trying to pay since XX/XX/XXXX She showed no empathy, could not get me to speak to a supervisor, and started laughing in the background. ( Very Unprofessional ). 

I finally got a refund for my XXXX In XX/XX/XXXX. 

The credit card company still sends correspondence encouraging me to pay, while rejecting my payments via XXXX XXXX and my checking Account.
I VISITED WITH MY XXXX DOCTOR A YEAR AGO, XX/XX/XXXX. AT THIS TIME, I WAS NOT INSURE. I SELF PAY FOR THE XXXX VISIT. UNFORTUNATELY, I WILL BILLED XXXX DOLLARS. I WAS ERR FOR NOR FOLLOWING-UP WITH XXXX XXXX TO INQUIRE ABOUT THE DEBT..HOWEVER, NOT LONG, I RECEIVED A LETTER FROM QAR RECOVERY ABOUT THIS DEBT. I GOT FURIOUS NOW AND CALL XXXX XXXX BILLING OFFICE. I SPOKE WITH A REPRESENTATIVE AND INFORM THEM THAT I SELF PAY FOR THE VISIT AND IT IS THE POLICY OF XXXX XXXX TO REDUCE THE PRICE WHEN THE PATIENT IS SELF-PAYING. THE REPRESENTATIVE AGREES AND APOLOGIZE AND THEN REMOVED THE OUTSTANDING BALANCE FROM MY ACCOUNT. I ALSO CALL QAR AND EXPLAINED TO THEM THE ISSUE AND THEY INFORMED ME THAT THEY WILL LOOK INTO IT. THIS ISSUE HAS BEEN RESOLVE FOR OVER A YEAR NOW. LAST WEEK, I RECEIVED A NOTICE ABOUT A CHANGE IN MY CREDIT HISTORY FROM MY CREDIT PROVIDED. WHEN I CHECKED, IT WAS XXXX.I TAKE MY CREDIT VERY SERIOUSLY AND I AM VERY CONCERN AS TO WHY THEY HAVE PUT THIS ON MY ACCOUNT.
This number out of XXXX Wisconsin keeps calling me : XXXX saying they are a debt collection agency ... for debt they do not identify. It is a recorded message with a woman with an XXXX accent named XXXX XXXX. The toll free number they say to call them back at is : XXXX. Recorded message says they are Transworld Systems ... when in fact they are XXXX XXXX XXXX.They keep calling from different XXXX numbers out of the XXXX area ... I have XXXX numbers blocked from them now. I do n't owe anyone any money.
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and in fact after 2 certified letters asking for validation have changed their correspondence address and reported this account with new dates. Please note that they have not provided me with documentation showing any type of agreement between me and the party. I have never had a agreement or any type of credit with this company EVER. After doing research on this company I noticed that Midland has been to court several times with various states and agencies. The court documents stated that Midland claimed to have a copy of the consumer agreement for all consumers who owe them. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. Theyre known to bully consumers and sue consumers all the time. I have attached a copy of my letter to them along with signatures. Please be advised that Midland has FAILED TO respond to me as outlined below : 1. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of  the original creditor in writing, the collector must cease collection efforts until he verifies the debt, or identifies the original creditor and mails a response to the consumer. If the consumer 's request for verification of the debt was made in accordance with Section 809 ( b ) of the Act, the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that " the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. '' In situations contemplated by Section 809 ( b ), the Act imposes the obligation to furnish verification before the collector resumes collection efforts. In the event the collector decides not to pursue the collection efforts, there is no requirement to furnish the documentation of the indebtedness to the consumer. In the event that collection efforts are resumed, the requirement to furnish verification to the consumer prior to resumption of collection remains. <P/>Once again please note that Midland has failed to respond to my requests or provide any documentation to the validity of this reported debt.
Portfolio Recovery is calling my workplace and sending mail to my workplace and also emailing my boss about my debt.
ESCROW PAYMENT INCORRECT, BECAUSE XXXX XXXX REFUSED TO ACCEPT MY ( TAX-EXEMPTION ) AS I AM ( XXXX XXXX XXXX XXXX XXXX VETERAN ) " EXEMPTION # XXXX '' FROM NEVADA ASSESSOR OFFICE. TERRIBLE WAY OF SERVING PEOPLE. HANDED ME MY TAX EXEMPT WRITTEN ON A BUSINESS CARD. DESPICABLE NOT PROFESSIONALISM TYPE OF SERVICE, KIND SCARE ; LED TO DISARRAY INFORMATION OF UNSCRUPULOUS CONDUCT I SHALL SAY ... ALSO ; THE MORTGAGE COMPANY SUPPOSE TO REFUND AND REIMBURSED OUR TAX EXEMPTION FROM OUR MORTGAGE PAYMENT, ONCE IT IS SETTLE ON THEIR SIDE OR WHATEVER THE CASE MAYBE. I AM SERIOUSLY CONCERNED BIG TIME ABOUT SERIOUS FRAUDULENT CONDUCT AND ACTIVITY TARGETTING PEOPLE NOWADAYS UNLAWFULLY. SO MUCH SCAMS ACTIVITY ORCHESTRATING BY BUSINESSES NOWADAYS UNLAWFULLY IN VIOLATION OF THE CONSUMER LAW FOREMOST.
I applied for a Barclaycard on XX/XX/XXXX. I received an email stating that I would be contacted with 10 days about the status of my application. By XX/XX/XXXX I had not been contacted so I looked it up myself and found that I was denied. As I make enough income and have credit in the upper 700s, I was very confused as to why I was denied. The notification stated that I was sent a letter explaining my denial, which I never received. I tried contacting several numbers and each one either required a credit card number to continue, or the representative told me they could not help me. I was finally given a number to call that should work, so I tried that. The first day I was on hold for 3 hours before I had to take a work call. The next day I was on hold for 2 hours before I had to take a work call. As someone who works in the lending business, I know that Barclays needs to provide me with an Adverse Action Notice which I did not receive. There is also no way to contact Barclays unless you are already a customer.
None of the drop down options explain my problem. There is a collection account on my XXXX credit report. I have asked for written verification of the debt and have not received it. Also, they are reporting on my credit for XX/XX/2017 the same month I received a letter from a different company about the same debt. Neither company have provident written verification.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,   XXXX   60 days  XX/XX/XXXX  90 days  XX/XX/XXXX  30 days   XXXX   XXXX   am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I bank with Navy Federal credit Union, I have direct deposit. This bank without autoririze took my va deposit and made a payment without my autoririze. They have no right too take my money. What kind of bank automatic take a Payment without your permission ... Now if I went into any bank or company and take money without been authorize would be a crime. Big cooperation make their owned rules
XXXX  refuses to properly communicate. I receive form emails that do not address the issue. I have asked them to call me but they refuse. 

XXXX  has facilitated unauthorized transactions from my business checking account. They refuse to provide transaction history.
NCO financial was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector XXXX XXXX refuses to remove debt from credit report.
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Company reported a debt I do not owe to the Credit Reporting Agency. I contacted them and notified this was not my debt. They notified me that ABR Recovery " verified '' the debt. I notified them that it was a fraudulent account because I don't owe this yet it has effected my credit score. I  received a letter from them today for the first time they have ever contacted me. Not mine. The letter seemed to be copied on an old fax type machine, the envelope was scotch tape sealed ... very suspicious. I checked them on line and found that they have had complaints before. The letter was threatening and accusatory and made legal threats they can not engage in in Texas.
My current TransUnion Report contains the same ID Theft data that is on the ( attached ) XX/XX/2018 XXXX XXXX XXXX XXXX Report # XXXX that I disputed and submitted on XX/XX/2018 - cfpb COMPLAINT ID XXXX Closed.
PNC Bank visa card had a promotion which I selected -- 10 % cashback at XXXX XXXX restaurant. On XX/XX/2018, I went to XXXX XXXX and spent {$100.00}. The charge appeared on my statement but PNC will not give me my 10 % back because XXXX XXXX the payment as XXXX XXXX XXXX, which is the location of the XXXX XXXX. Nowhere in the promotional material viewed by the consumer does it state that the promotion was location specific nor is it possible for the consumer to know prior to the purchase how XXXX XXXX titles their restaurants credit card payment. PNC states since it does not say " XXXX XXXX '' I don't get the cash back.
A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.
I received a notice in the mail from State Collection Service Inc. with phone number XXXX. The letter was dated XX/XX/2016. It stated this communication is from a debt collector for a past due account from XXXX XXXX Hospital with service date XX/XX/2016 in the amount of XXXX. Per my bank, my check for payment of this account was cashed by the hospital on XX/XX/2016. I spoke to XXXX at State Collection Service and stated these facts. Her response was if the hospital had received payment from me on XX/XX/2016 then they would not have reported it to State Collection Service Inc. I replied I have a copy of the cancelled check so they had not only received it, but had cashed it and it had cleared my account by XX/XX/2016 which was 8 days prior to the debt collector mailing me the debt collection notice.