WillisBack/dataset-financial-user-claim huggingface dataset:
We sold our primary residence XXXX 2010. At the time of that sale, we executed a Restated Note for {$35000.00} in order to facilitate a short sale since that was required by Bayview Loan Servicing in order to sell our the home - they gave us no other choice. The sale of our primary residence was due to my relocation from XXXX to XXXX for work. 

Payments were to commence XXXX XXXX, 2010 for {$190.00} pursuant to the Note. 

I have an email dated XXXX XXXX, 2010 from XXXX XXXX, Residential Asset Manager for Bayview Loan Servicing- she directed us to send our payments to her attention at the address below:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXFor six months ( from XXXX 2010 through XXXX 2010 ) - we made the payment of {$190.00} and mailed it to the above address to her attention. NOT XXXX CHECK WAS EVER CASHED BY BAYVIEW LOAN SERVICING. Since I use online banking - my bank make all payments, they can verify that they cut the checks, mailed them to the address above and not XXXX check cleared. 

Due to the checks not clearing, I left several voice messages for XXXX XXXX in 2010 at the number she provided on her email signature - all with no response. 

In addition to no check ever being cashed and no response from the only Bayview Loan Servicing contact we had - we have NEVER received any correspondence whatsoever from Bayview Loan Servicing since XXXX XXXX 's email response to my inquiry as to where to send the payments - dated XXXX XXXX, 2010. 

There has NOT been XXXX letter, XXXX email, or XXXX phone call from Bayview Loan Servicing in over 5 years. No payment was ever cashed and there was no response to all the inquires we made to the Bayview Loan Servicing representative we were given. We did not know what to do - or where to send payments. 

Last week ... FIVE years after absolutely NO communication from Bayview Loan Servicing - I pulled my credit report only to find that Bayview Loan Servicing decided to start reporting this obligation last month and is showing it as delinquent. Five years - no communication from Bayview Loan Servicing - but arbitrarily decided to start negative reporting to the bureaus last month. 

In summary, we attempted to honor the obligation we made five years ago - but Bayview Loan Servicing did not. This obligation was completely ignored by Bayview Loan Servicing for almost five years ... payments never cashed, phone calls never returned and no communication in any manner from Bayview Loan Servicing was made to collect on this debt. 

Now Bayview Loan Servicing, in an attempt to collect on a debt that we attempted to pay over five years ago is using abusive tactics by reporting negative information to the credit bureaus. 

I have called Bayview several times and am getting nowhere - nobody can help me and they insist all they can do is review my " claim '' via fax or email. I have sent several letters. My credit is ruined now and I can not get anyone to discuss this matter with me.
XXXX has charged me the entire phone charge for a replacement phone that i received. 
The original phone had several issues, and I was told that I would not have to return the old one. 

I later received a bill that included the entire cost of the old replacement, and when I tried to resolve issues with the bill I was given no other options but to pay the entire balance. 

Since payment was not affordable, the bill could not be paid Original Creditor Name XXXX
One XX/XX/XXXX I completed a refi process with DITECH. Ditech created the deed of trust document with a recording # of XXXX. Now come XX/XX/XXXX I qualified for a revitialization program with the City of XXXX and upon closing, they needed the deed of trust, come to find out the deed of trust was never filed correctly from Ditech. I have been working with Ditech since last XX/XX/XXXX to get this issue fixed. As of the date of the complaint it has NOT been fixed yet and I now stand to loose the XXXX loan I qualified for to fix my house since the deed of trust is not recorded, nor is there a proper lien for Ditech. The City of XXXX can not move forward with all the work until this is fixed and I had contractors ready to work now I can't because of Ditech not fixing this deed of trust issue ... .please help!
I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. 

The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX
I requested to see the ORIGINAL NOTE that I signed to validate this debt with Specialized Loan Servicing LLC. They informed me that they only serviced the note. This is not going to work! IMMEDIATELY show me my ORIGINAL NOTE OR FULLY REFUND MY MONEY!
Equifax is reporting incorrect & false payment history of this account, they are refusing to update and remover this item. I have submitted supportive documents from creditor. the creditor has reported different date to XXXX & XXXX which have removed / deleted the account off my reports.this account is having a negative effect on my credit. the account was first reported negative in XX/XX/XXXX, but they are back dating saying it was XX/XX/XXXX. this account has never been current since XX/XX/XXXX.
My husband and I applied for a loan through Bank of America on XXXX 2014. Prior to that we got a pre-qualification letter signed. They denied the loan after an extension was made after a signed 30 day escrow due to a Fidelity Bond issue. They collected upfront a {$470.00} appraisal fee, {$75.00} Bank of America 's own Homeowner 's Association Certificate, {$50.00} XXXX XXXX XXXX doc 's. The condo appraised for more than the asking price, our debt to income ratio was good, we had an excellent FICO Score of XXXX XXXX 20 % - 25 % down. We signed a XXXX escrow with the buyer, which the owner extended for Bank of America due THEIR to the Fidelity Bond issue. Bank of America wanted the owner 's ( XXXX owner 's in total ) of the condo to have a Fidelity Bond ( NOTE : NO OWNER handles the money, it is done by a professional company, The XXXX XXXX ). The XXXX XXXX handles repairs, maintenance, collecting HOA dues, etc. Bank of America decline this loan for the sole reason of this Fidelity Bond issue. This left us all hanging including the owner and realtor for an extended time XXXX XXXX, 2014. Bank of America would not refund {$600.00} total from all the fees we paid upfront even when this was solely their call and not within the XXXX Guidelines.
XX/XX/XXXX - Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.
On XXXX XXXX, 2016, I received a collections notice regarding a subscription to XXXX. I recently contacted XXXX and informed them that I never applied for a membership or subscription to there magazine nor have I ever received any magazines from them. This payment due is not mine and I am not responsible for this membership.
Per the FCRA law section 609 credit bureaus have to deleted unproven, noncompliant, unverifiable accounts. Experian is in violation of the FCRA law they are reporting inaccuracies on my credit profile, that they claimed has been verified! XXXX XXXX XXXX has not been verified! The amount that is being reported is inaccurate! I amount owed is {$6200.00} and the term is 73 months.XXXX XXXX XXXX is reporting that I owe {$25000.00} and 81 terms of the loan! This is fraudulent and is in violation of many laws and as a consumer I know my rights and will fully inforce them! I have gathered all correspondents from Experian regarding this account and kept them in my files! I plan to file a lawsuit if this matter isnt resolved in 15 days! I have provided proof that the amount of the debt that is being reported is inaccurate and fraudulent!
Made XXXX requests to obtain my consumer report from SageStream. SageStream argues that the forms of identification I have provided are insufficient to get my consumer report.
Since XX/XX/2014 I have been in and out of work and have been trying to work out an agreement with Wells Fargo Mortgage. They bought my mortgage when XXXX XXXX was bought out. I have gotten the run around, lied to given unacceptable terms, and the delays in paperwork processing has ruined my husbands and my credit. I want this situation rectified immediately. I have had it with this mortgage and if I could take my business elsewhere I would.
Bayview keeps writing to me about my past due payment. I made a payment arrangement for the payment to come out on XX/XX/2018. But somebody took out money they wasn't suppose to and caused it to bounce. Bayview doesn't need to keep writing to me constantly because I know the payment is behind. But I have made two payment arrangements for XX/XX/2018 and on XX/XX/3018.  I have also requested for my payment to be lowered. But i haven't heard anything back from them.
CBE Group has placed a new collection on my credit report without notifying me first. I have never received a 30 day right to dispute. They can not just put something on my credit.
On XX/XX/XXXX I faxed a cease and desist letter to ability recovery services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against ability recovery services. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from ability recovery services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
I had a modification approved with XXXX ... I paid all XXXX payments ON TIME and SPS is stating that they sent me the mod package, but they sent it to the wrong address. XXXX in XXXX was researching the case and lied to the CFPB. He stated the loan mod package was sent to the address that XXXX BANK had in the file. After thorough investigation XXXX is now involved and their XXXX offices is stating the correct address was given to them, but that SPS manually entered my incorrect address into the their system and the address was wrong. They left off the XXXX XXXX which is critical. I never received the package for me to sign. SPS CLEARLY made the mistake. I spoke with SEVERAL folks in the call center. They have notated in the account that the incorrect address was used, but XXXX department continues to lie and blame the cause of the wrong address is because when XXXX sent the file over that is what they gave them. I am working directly with XXXX as they are trying to remedy this. Their internal liaison has been in touch with SPS to notify SPS of their mistake and asking them to remedy it. The file is very clear to XXXX and to, me, XXXX XXXX that SPS will not take up for their mistake. We are asking them why? Why lie and blame?
On XX/XX/XXXX I went to website to manage my account and this message came up I went to the website to review my account the I received the following error. 

Hmm, something's not quite right. 
Access seems to be down at the moment. Thank you for your patience - things will be up and running soon. 
XXXX TD Bank, N.A. All Rights Reserved Please investigate this website ensure that it working and operating according to United States Federal Regulation and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations Now this supposed be online bank made easy this is not easy when you are not allowed to access you bank account or make transfer to any account. I called customer services regarding this and they said that they unable access my account and make transfer to my checking I would have go into the branch for access is this legal to offer services and the bank and the customer services is not able to assist and please investigate this store or bank ensure that it working according to United States Federal Regulation and all misconduct and mismangement found all individuals involved be convited according to United States Federal Regulations
Between the dates XX/XX/XXXX-XX/XX/XXXX Capitol One continued pulled my credit without permission. There are a total of 3 hard pulls on my credit. I was advised there would be no hard pull on my credit.
Well In XX/XX/XXXX my loans went into default I had a job but was at the time XXXX in and out of shelters and finally was accepted into permanent supportive housing. Unfortunately I only had a low paying part time job which i was barely able to make ends meet and I had done forebodance previously and was planning on trying to do that again then was laid off from my job late XXXX and on XX/XX/XXXX I sustained a XXXX XXXX XXXX from a XXXX XXXX which left me unable to work for around 5 months during those 5 months I was undergoing constant medical treatment and XXXX XXXX XXXX XXXX and was only receiving benefits from the county falling behind in all bills and facing eviction I just as of this month XX/XX/XXXX have just now caught up on my rent and am getting into a more stable situation I though back in XXXX or XXXX I had done some sort of corresponding about my student loans and should definitely have been getting assistance with handling my important financial matters seeing as I did not have the XXXX XXXX at that time and actually still suffer from XXXX XXXX XXXX XXXX XXXX as well as a number of XXXX XXXX XXXX from the incident however I did not seek assistance and thought i was handling everything just fine however i was not and am still trying to stabilize financially. I do now have full time and gainful employment and am in a position to begin making payments however my loans are already in collections and I know i made my loan servicer aware of my situation at the time but i do not recall being given any information on options as far as payment arrangements or deferment and I could be wrong i honestly do not have any clear memory of anything for about six months after my injury but I now feel like if my wages are going to be garnished at a time when I am finally beginning to become stable it will force me into homelessness   and probably back to being unemployed I am considering bankruptcy at this time however this action has already started to happen and I just can not afford to take any loss in my income like the paperwork is saying. I now its my own fault but I was only living on my food stamps and a tax refund for over five months and still was not able to manage I do live in section 8 housing but unfortunately the timing of my injury and changes being made to adjust my rent took nearly two months my landlord was working with me thank XXXX but I have no room for any more falling behind i will be forced back into homelessness is there not any options available for me at this point or perhaps do I need an advocate of some sort to assist me? I can make payments within reason but i do have rent bills and am a single mother and i receive no child support whatsoever and my rent was just increased this month my energy bill was over a thousand dollars which i have spent the last two months paying off and now this. I am not avoiding the situation I actually would like to get the situation to a manageable level if at all possible
RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information.

Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX  TRANSUNION XXXX XXXX XXXX VIA XXXXTRANSUNION XXXX TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION CONSUMER XXXX TRANSUNION XXXX / XXXX XXXX XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXX should be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
I was paying Fein, Such, Kahn and Shepard a XXXX a month payment since XXXX/XXXX/XXXX. In XXXX XXXX I ran into financial issues and called them initially to stop the payments. A paralegal named XXXX stated that I needed to write a letter. I wrote a letter and stating I needed to stop payments until XXXX of this year. They claim they tried to contact me and sent me letters. I verified that they did receive my letter and they still seized y bank account in XXXX XXXX even though I had been paying them and wrote them a letter. After I spoke to XXXX he said I was in default when I did what he asked. They then tried to continue payments even after he told me I was in default and that they did n't accept my letter. When I called the court they told me the lawyer also re-filed against me for XXXX when the original debt was only XXXX and I had paid down XXXX of it. XXXX could not explain why an additional XXXX was added to the debt only blamed the court for filing it wrong.
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

note date XX/XX/XXXX mers report XXXX stated it was sold to XXXX  MAILING ADDRESSES FOR PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  FOR OVERNIGHT MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX  PHONE XXXX CEO GA ATTORNEY Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Contact : XXXX XXXX XXXX : Chief Executive Officer Phone : ( XXXX  ) XXXX  Website : XXXX
Equifax failed to protect my data and it was sent out of their systems to an unknown entity. This breach impacts me directly, I can not opt out, I can not stop it, they collect data and don't protect it. Their systems sent the data out, this violates Section 604 of the FCRA ( Permissible Purposes ).
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXX still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.