WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX sinceXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part.
The mortgage company ( Green Tree Servicing LLC ) sends billing statements out late or not all. Many times the statements are not up to date ( correct billing amount ). Then they hit you with late fees and bombard you with harassing phone calls throughout the day trying to get you to pay by credit card over the phone. When I purchased the property, my aggregate credit score was XXXX and I have n't had these problems with previous mortgage companies.
On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX Portfolio Recovery XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
I made the mistake of purchasing a washer, dryer and refrigerator from Sears. I was told that if I opened a Sears credit card that I could get free delivery. After two weeks of waiting, I was told that the items were going to be delivered on Friday, XX/XX/XXXX. I got a call that morning from the delivery personal that the items were arriving. Then I got a call 2 hours later that the refrigerator was gone. Sears later changed their story, saying the refrigerator was never on the truck. I attempted to cancel the refrigerator twice because Sears told me it would be another two weeks to obtain a refrigerator. They initially refused to cancel the item and when they finally did, they refused to send me written confirmation saying that written confirmation was not possible. Move forward another week, my Sears credit card arrived and I immediately set up a payment ( in XXXX ). Sears waited until XX/XX/XXXX to submit a letter that they could not run the payment, but they never sent me a letter even though I had n't yet signed up for paperless billing. Come the XXXX, I find out I have a late fee and my bank says there is nothing wrong with my routing or checking account number. I called customer service and tried paying yet again only to get another letter that THAT payment did n't go through ( I used a debit card the 2nd time ) and that my late fee had not been removed as per the reps assurance. I have spent 22 years handling my credit with kid gloves only to have it ruined by Sears. Their practices are unethical and it is no surprise they are going out of business!
They call daily, multiple times a day. Despite the fact that I have been making regular monthly payments. They want me to pay the balance due, which I do not have the means to do. I have not disputed the debt, nor have I tried to not to pay. I am paying monthly. The representatives are rude and unpleasant for no reason.
I had sent payment to XXXX Mortgage in XXXX as I normally do and my payment was not applied to my loan!! LoanCare ( debt collectors for XXXX Mortgage ) have been contacted on NUMEROUS occasions and nothing is being done to rectify the situation. I have also sent a copy of the cancelled check to various dept 's within LoanCare and everyone seems to be clueless as to what is occurring. My FHA loan has been in default for the last two months and I am very frustrated with this Mortgage Company. On or around XXXX XXXX I again sent a copy of my cancelled check and I received notification from their Mortgage Company Resolution Dept stating this matter is important and will be dealt with accordingly. Nothing had been done. I finally went to XXXX XXXX XXXX Office ( XXXX in VA ) to seek help. I was welcomed by XXXX XXXX XXXX and she was appalled at the service provided by LoanCare. We were on the phone for approximately 2 hrs and nothing had gotten accomplished! Every rep we spoke with had given us misguided information which worsened my nightmare. I am receiving notification that my house is going to be foreclosed on and my mortgage payments are CURRENT. Late fees have incurred and my credit is now tarnished! U ca n't imagine the stress and aggravation I am enduring. I have been directed to file a complaint with CFPB because this matter needs attention due to the severity of the actions from LoanCare. I sent them my payment, they CASHED the check but wont apply it to my mortgage!!!!! My credit has been tarnished due to their negligence and they must be held accountable. To add insult to injury when I left my Congressman 's Office I contacted the Mortgage Resolution Dept to find out the status of my complaint. U would not believe the response that I received. I was told that they received my complaint accompanied by the canceled check but the fax was misplaced. WHAT!!!!!! I was told to send in another copy of the canceled check so the complaint can be reviewed. The " Notice of Error Acknowledgment '' that I received from them dated XXXX XXXX pertaining to my complaint had n't even been reviewed ... .today is XXXX XXXX!!! I asked the rep how could u receive documentation and it get misplaced? Furthermore when was I going to be notified that LoanCare needed another copy of my canceled check for the XXXX time?! Her response was " well we have 30 days ''. Seriously!!! As I am about to furnish them with a copy of my cancelled check the rep calls me back to say they miraculously located my fax. I wish that I would have NEVER of refinanced with XXXX Mortgage. Stay away from this Mortgage Company!!!!!!!!!!!!
Clients received a loan modification. Due to error in dating by servicer client was delayed in signing agreement. Once documents were signed and delivered client received multiple payment amounts. Client received payments back in XX/XX/XXXX unaware that they were back in foreclosure proceedings. Clients have been trying to resolve issue since XX/XX/2017.
Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from  happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.
I purchased a home appoximately 9 months ago with less than 20 % as a down payment, so private mortgage insurance ( PMI ) was included on our monthly bill. Our loan was purchased by Chase mortgage, and is invested by XXXX XXXX. We now have the funds to pay off the loan-to-value ratio to less than 80 % which should result in PMI termination per the Homeowners Protection Act ( HPA ). However, Chase Mortgage via XXXX XXXX has imposed " seasoning '' requirements which don't allow PMI to be cancelled during the first 24 months of mortgage unless significant home improvement projects have been undertaken and the new value of the home assessed via BPO. I don't believe this " seasoning '' mandate to be in allignment with the HPA. I have called Chase Mortgage multiple times, and filed a dispute which was sent to an escalation manager. However, I was told that XXXX XXXX is the party that sets the PMI removal regulations and that Chase Mortgage could not assist me in removing PMI unless home improvements were undertaken. Per the HPA, these " seasoning '' requirements seem to be at odds with current legislation.
this particular agency is still trying to collect a non verfiied debt against me. on XX/XX/2017 I have paperwork that states the following '' be advised that choice recovery, Inc has requested deletion of the account placed by XXXX XXXX XXXX XXXX acount number blab blab to be removed off your credit report. suddenly in the middle of nowhere the agency has reinstated the debt, which is a violation of itself without my express consent. you have also agreed to removed the information from my credit file the second time back in XXXX which has not happened as of yet. I have you choice recovery still reporting on my credit which is hinding my ability to move forward with my life. I will not give in with this, and will continue to fight this battle.
I became ill several months ago, following that my father became ill and then XXXX. I tried and did make payments to comenity, however it became impossible and I tried to arrange payments, they demanded large payments, made me cry. I just lost my father and they called and demanded a huge payment, then I get turned over to a collection agency for over twice the limit of the card.
I submitted a letter to Equifax Credit Bureau requesting them to verify the source of reporting of a Chapter XXXX bankruptcy on my report. They claim on my report that this was received from the US District of Virginia Courthouse. I included with my letter, a signed letter from the courthouse stating they DO NOT submit information to any credit bureau. I received a response from Equifax stating they looked into my dispute and they claimed the reporting was accurate and sited XXXX XXXX, a third party provider, as the source of their information on my report. Based on the information I 've provided, this is clearly inaccurate and false reporting on my report. I am requesting that they remove this from my report permanently and all accounts included in said bankruptcy such as charge-offs and collections. Thank you for your attention to this matter.
Primary loan with XXXX requested an unpaid principal balance that should not exceed 8 % of the balance owed. On XXXX/XXXX/2015 at XXXX Called Bank of America ( BOA ) spoke to XXXX XXXX ID # : XXXX Said the account has been charged off, the loan has been forgiven and is no longer. XXXX transferred me to Charge off dpt. where I spoke to XXXX and said yes the account has been charged off. I asked BOA what is the reason for a short sale when the account has been charged off and is no longer, written off, no balance, loan has been forgiven?. Once BOA realized there was a potential for getting some income from the primary loan then the story changed. BOA is telling us that the account has been charged off however is still eligible for collection. How can you collect on something that is no longer? I asked ... Then the verbiage changed from the account is charged off to account not being written off and that written off means loan amt has been forgiven however charged off the loan can still be collected on.
I have XXXX inquiries for a single loan. XXXX from XXXX and XXXX for XXXX. I did not authorize multiple credit report to be issued for the purchase of my car.
We fell behind on our mortgage due to temporary unemployment. We communicated with LoanCare to let them know about our difficulties. We were advised to fill out a Loss Mitigation packet. After almost 2 months of back and forth with that part of the company, we were denied for assistance. In the meantime, we have borrowed the money to catch the mortgage payment up. I have been trying to pay for this for over a week now. Here we are ONE DAY before our home is supposed to go up for sale and no one wants to help me. I call LoanCare to see how much I need to send them to make my mortgage right, they advise me that they can not give me that information, that I have to call the Law office handling the case. I had already called the Law Office last week, Thursday to be exact. They had to request the information from LoanCare. I am going back and forth with them, and now they will not even answer my phone call or call me back. It 's almost like they do n't even want the money for the house! Do they enjoy it when people lose their homes?? I am beyond furious with this company. I have been on hold all day only to be told that no one can help me. The Law Office has contacted them multiple times requesting the amount needed. The least they can do is answer the law office with an exact amount I need to pay so I can get this out of the way and move on. It really is n't that hard.
On XXXX XXXX,XXXX, I filed a complaint with the BBB regarding the collection company Portfolio Recovery Ass. in regards to validating a debt that was said that was owed in the amount of {$460.00} to the company. The BBB sent the complaint to the company and the company stated that they sent me validation of the debt, in which they did not. On XX/XX/XXXX, I sent another validation letter to the company asking for specific information regarding this account. I am not sure how this debt was able to be reported on my credit report without proper and accurate information. This company is clearly in violation of the law, so if this company can not provide the proper documents needed to verify this debt, then this debt should be removed from the 3 reporting bureaus. The reporting agencies has to report accurate information on every consumer reports and if not it should be removed. This inaccurate reporting has hindered my credit for a few years now and I have suffered enough and I want this inaccurate information removed from all 3 reporting agencies. In this complaint, I have included the complaint documents sent to BBB as well as the letter that sent from this company regarding validation.
Nationstar Mortgage has alleged since XX/XX/XXXX they are servicing on loan numbered XXXX. I have disputed this debt since their allegations. I HAVE NOT made a payment on this debt ever. According to Nationstar, this debt has a running arrears more than {$140000.00}. They are reporting this disputed debt to the credit bureaus as delinquent. Nationstar Mortgage reports the alleged debt as delinquent, but advises I ca n't make any payments. I 've attached the most recent activity Nationstar Mortgage has reported to the credit bureau on XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT ON THE ALLEGED DEBT AND I WILL NEVER MAKE A PAYMENT ON THE ALLEGED DEBT THAT IS A FRAUD.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
My complaint is with Capital One 360. I had a primary mortgage as well as a HELOC loan for my property in Ohio. I was recently notified that they sold both loans to two different lenders / servicing companies. Both companies, XXXX and XXXX XXXX XXXX are primarily in the business of debt collections. 

I understand that is it perfectly legal for Capital One to have sold these loans, but I do not appreciate the fact that closing these loans and re-opening them under a different account has caused my credit score to plummet. I also do not appreciate the fact that I now am treated like a delinquent debtor when I call these collection agencies. Furthermore, whereas I previously had the ability to call one number to discuss my accounts, I now have to manage them across two different organizations. 

I take great care to manage my debts as well as my credit record and I do not think it right for a bank to damage my score, resulting in higher loan costs, in this manner. I also do not think I should treated as a delinquent when I have not had a late payment in 30 years! 

I guess the best way to summarize my complaint is that Capital One sucks ... because they have no concern with regard to the consequences their actions levy upon their customers.
3rd complaint being filed - actually reached out to the original credit and they have replied to me - collection agency states I spoke w/a XXXX XXXX that is false. I have never called this agency ever.
My husband and I own a XXXX XXXX XXXX property which is encumbered Ditech and, despite dozens of contacts with Ditech, we have been unable to get them to release the property. Ditech 's failure to respond may harm our ability to honor a contract on our home, which is currently marketed for sale. After 15 phone conversations, emails with 7 different departments and faxes to three different fax numbers, Ditech has failed to respond to our request. Our home and our neighbors ' home were misidentified on the property assessor requiring modifications of the deeds of trust and legal descriptions of our XXXX properties. The other mortgage holder, the two owners and the title company have prepared and signed each and every required document yet Ditech continues to encumber our property. We are unable to honor a contract on our home until Ditech responds to one of the dozens of phone messages, e-mails or faxes we have sent over the past two months.
I was charged XXXX for a fine I should nt owe because of the other collection agency did n't Honor there paper work. So iv been paying at least {$1000.00} over the amount I was so posed to pay.Then I was charged for atleast XXXX extra charges because of the failed paperwork that was due by them. I feel exhaust XXXX and Frustrated and I 'm tired of paying XXXX county, wa over and over for the same thing 's when I payed, XXXX.
I am currently working for a non-profit and am eligible for my loans to be forgiven after 10 years of payments. My loan company has changed many times ( and I have had no control of this ). I was with Navient for a number of years. A year and a half ago my loans moved from Navient to XXXX. I made many calls while with Navient to make sure that my payments would count toward my loan forgiveness. I was told that I was on a payment plan that would count toward my ten years. I recently learned that Navient had me on a plan that does not count! To top it off, I was paying more per month than the plan that would count toward my ten year forgiveness period. So, I have almost two years of payments that will not count ( and like I said, I was paying more than what I should have been! ). I am extremely frustrated. Like I said, I did not opt to go with Navient- my loans transferred. I listened to them and did what I was advised and it was all wrong! I now have two additional years of payments!
RE : XXXX ( Attached ) So far ChexSystems is really digging themselves deeper1. Multiple counts of violations of FCRA, including but not limited to section 623. 
2. Willful noncompliance. 
3. Multiple violations of the Fair And Accurate Reporting Act. 
4.Defamation Of CharacterNo letters have been received in the mail from ChexSystems and if they were sent, please provide USPS certified tracking numbers. All of my letters to them all have been sent via USPS Certified Mail. 

Chex Systems claim they " verified '' the account, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification. Unless you have something bearing my signature on it and have verified my identity, no proof exists. 

I am not going to the police to claim identity fraud until I 've investigated these items myself. I am not claiming identity theft, I am simply asking for proof that I am lawfully entitled to. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please let me know and I will send you an opinion letter from the FTC, ( the XXXX ) letter, specifically addressing the kind of " documentation '' you have sent me. 

The fact that ChexSystems XXXX are resisting proving PROPER proof according to FTC standards is raising other issues, including, but not limited to FCRA 623. 

My request remains..proove it or delete it. 

I am forwarding a copy of this to the following : cc : Office of the Comptroller of the Currency ( OCC ) OCC XXXX XXXX XXXX, XXXX, XXXX. XXXX : XXXX XXXX XXXX XXXX., my attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX
I have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of DCI. 
These inaccurate accounts continue to be reported and they are not mine. 

Dci Opened XX/XX/XXXX {$270.00} Original creditor : XXXX Dci Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX