WillisBack/dataset-financial-user-claim huggingface dataset:
I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX
The collection agency ResidentCollect Inc. is continuing to collect a debt that I am on the hook for only as a result of identity theft. I have filed a police report and sent the requested affidavit that the company wanted me to fill out. No action has been taken, and no investigation has been completed. This must be addressed immediately as my credit is still being negatively affected.
Beginning In XXXX of 2010, Global Client Solutions, XXXX, XXXX XXXX, collected a total of XXXX dollars from us. They were supposed to settle some our debts as we paid them XXXX dollars a month.But when we could no longer afford to pay the XXXX dollars a month, they would only refund us {$220.00}. They refused to give our money back. They are a bunch of crooks. I know this is a late complaint, nonetheless, I felt it my duty to report them.
I went in to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.
I lived there for 3 yrs and we like the apt but the change owner and we had XXXX there made us take it down i then i write them a letter say i am move to XXXX due to i had XXXX and i need my mom to take for me through the time i was go through treatment and while my husband worked. So see what i have to do to take this off my creditor
My student loan was bought by Navient along with the majority of student loans sometime in XX/XX/2013 I believe. I was contacted by them to start making payments. I couldnt afford it at the time having a job that barely paid my bills as is. They requested I go for Student Loan Forgiveness.  Which I did and made several payments following which is what they requested. I didnt hear from them for 2 more years. One day I decided to look into it and as it turns out they had been sending me letters and emailing me about having to make payments. However, they had the incorrect address of where I lived ( house number was off by 2 digits, very strange almost like they changed it so I wouldnt see it ). My email address they had on file was also incorrect. Low and behold, my loans  had defaulted and gained copious amounts of interest. After dealing with 20 minutes of machines I finally reached a representative. They had no idea why that happened and they requested I take a break from payments with financial hardship. I signed up for that not knowing that my loan would continue to accrue interest and raise it even higher. I did this twice before I realized that was happening. I called and expressed my concern and they explained to me how to enroll in the Income Driven Repayment plan. After a week of dealing with mailing my information, talking to reps, and figuring everything out, I was finally able to apply. I made modest payments for awhile and then was notified I would have to reapply every year I wanted to do that program. They made it EXTREMELY difficult to reapply and gave poor customer service as to how I could continue to use the program. The representatives were rude and I was transferred several times to figure out what I needed to do. After 2 weeks I finally just sent them the information they requested and am waiting on acceptance. The normal payments are half of what my rent costs every month and I dont understand how anyone in my situation is expected to pay that much every month. So now Im paying through income driven repayment and it barely covers my interest rate. Im dissatisfied with the customer service and overall handling of my loans with this company. I wish I was with someone else that could actually help me get my loans under control. Although, thats not likely to improve with anyone else. In a nutshell, my only option is this : You cant afford the outrageous payment every month? Ok we will cut it in half but youll be paying your loans quadruple what you pulled out in the first place something needs to be done about the student loan problem millions of Americans my age in this country face.
I have an online savings account with Capital One that I requested be closed several months ago. This account has had a zero balance since XXXX XXXX, yet it is still open today. I tried contacting customer support via chat : There is no chat button on their website ( despite the fact that a chat option is advertised ). I tried contacting customer support via the messaging center : There is no way to actually send a message. I tried contacting customer support via TWO different phone numbers : I was told by a supervisor that he could not help me and I needed to call during the work week. I explained to him that my schedule does not allow me to call during the work week, at which point he became incredibly rude to me. I emailed Capital One 's support escalation team as well as their senior leadership ( those I found email addresses for online ). The escalation team replied back that I need to call them during their business hours - something I am, again, currently unable to do. I do not understand why this is such a hassle when I originally asked for the account to be closed months ago. It needs to be closed now.
I received a voicemail message from Perfection Collection stating " this is a call regarding field documentation I have here for you that requires your signature so you need to be available. Make sure you have a photo ID and a witness present. If you're not going to be available today you must get in contact with the filing office directly to avoid any further action being taken. Their number is XXXX. Make yourself available. You have been notified and I will see you shortly. '' This same message was also left on the voicemails of my stepfather and ex-mother in law. The message to my stepfather also stated that if I did not get in touch with the filing office immediately it would be considered a " mark against me. '' They called me in a panic because the message implied it was a law enforcement agency. I have never been left a voicemail by this collection agency before, nor have I received anything in the mail regarding the debt. This was my first communication with them. When I called them back to find out who this was and what it was about, they refused to send me anything in writing. I spoke to Ms. XXXX and was told if I didn't pay right then, I was refusing to cooperate and I better have a XXXX good attorney.
A small mortgage company offered a {$23000.00} HELOC on my home in XXXX. I signed documents for {$23000.00}, but only {$7000.00} was received. After making approximately 3-4 payments, the mortgage company literally disappeared and stopped sending me statements. Now, fast forwarding to XXXX, I find out that the loan was actually transferred or " sold '' about 5 times since XXXX and the new investor is foreclosing on my home with a new balance of {$220000.00}! 

I've consulted with a Real Estate Broker who says he's never seen anything like this. 
The investment company is impossible to contact and does not return any of my phone calls. This is utterly devastating. How can lien holder do this?
XXXX XXXX XXXX case Number XXXX, the honorable Judge XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Plaintiff Vs : Defendants : Experian XXXX XXXX I have tirelessly tried to reason with all three credit bureaus to no avail. I must now resort to suing them. 

Please See attached for full summons and complaint as well as leading ( not exhaustive ) supporting documents and arguments.
I attended XXXX XXXX  University from XX/XX/XXXX to XX/XX/XXXX. My parents did not have enough money to send me to school and I did not get a lot of money through Financial Aid so I was forced to get student loans to better myself. I was able to get a couple Federal Loans through the school but the amounts that they approved me for did not come close to covering room and board, books and tuition expense so I applied with my grandma as the co-signer through XXXX. After college I had numerous student loans that each had to be paid individually and the interest was variable and was killing me so I in XX/XX/XXXX I got online to see how I could consolidate my loans. Some were private and some were federal. I found a site XXXX XXXX who got me in contact with Navient. Navient financed my loans and no where in the entire application did it say that signing up with consolidation would I lose out on my XXXX tax deduction for student loan interest. They are not sending me form XXXX so I called and their customer service will not help me at all. I feel like I have been done wrong here and all I am trying to do is pay back my loans. I have been paying for almost 10 years now and this company is completely taking advantage of me and my hard earned money ... can someone please help me or direct me in the direction. Nothing that I signed said anything about not getting this tax advantage. Why would anyone sign away that advantage because it is the only perk to spending thousands in interested every year. Please help.
Multiple times ranging from probably about  XXXX  to  XXXX  I was repaying loans or putting them in forbearance which was requested I do so I would n't have to make any payments on the loans.  Little did I know that a lawsuit was created against Navient  XXXX   XXXX  due to this issue amongst others.
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but XXXX XXXX XXXX refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to XXXX XXXX XXXX who told us the home was charged off and we did n't owe anything. Then we received notice from NationStar saying they had the loan now. We disputed the validity of this debt. MationStar at one time agreed that XXXX XXXX XXXX should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now NationStar is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including XXXX XXXX XXXX and XXXX XXXX ) that foreclosed on homes and should not have.
I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Transunion credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and notice that they were connected to apartments that I have never lived at. I am furious at this point.
I have paid my mortgage to Carrington Mortgage company between the XXXX, every month for the past 7-8 months. I have a history of paying on time, never late. My XXXX payment was no different and paid via electronic bill payer from my XXXX account on the XXXX. Any payment received after the XXXX of the month is considered late. In XXXX, I received a past due notice and late fee from Carrington. I immediately called and faxed proof of payment to Carrington from XXXX bank and followed up with a call. Today, I received another past due note and late charge from Carrington. I immediately called and spoke with a representative. I asked to speak with a supervisor when she said my letter and proof of payment was not adequate to request the late fee be removed, it 's their policy, she said. She asked for copies of my banking statements. I stated that they have adequate documentation that the mortgage was paid by me, before the XXXX by my financial institution. I informed the representative that I have already been preapproved to transfer my mortgage to XXXX because of the awful customer service. My loan was originally with XXXX until Carrington purchased it. I have had nothing but problems since the bought the loan. This organization operates like a preditary collection agency, not a mortgage company. Their voice recording in calling informs callers they are a debt collection agency ( mini marinda ).
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as of XXXX XXXX I 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 or the payments were misapplied.
i was contacted by someone who came to my house. He promised to would get XXXX of equity of the house at closing if i paid him. i closed and got no money, i am now in a mortgage i cant afford - they lied about my income. i cant make payments and need to fix the apartments for tenants. lacking the money.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CAPITAL ONE AUTO FINANCE The address listed on the credit report is : XXXX XXXX XXXX XXXX, TX XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Capital One Auto Finance have NOT removed this account from my credit reports, or have sent me any kind of validation.

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports.

Thank you for helping me resolve this matter.
My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX   va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX   cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX  wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX  that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.
My mortgage was sold by XXXX to Freedom Mortgage and in spite of my numerous communications with Freedom, I have not received complete and accurate loan ownership transfer notice.
1 ) Credit Acceptance Keeps Increasing, decreasing and a third time increasing loan balance 2 ) Credit Acceptace is reporting that I've made 3 payments on loan when I never made 1 payment on loan due to a ongoing dispute. Loan date is XX/XX/XXXX, 1st payment was due on XX/XX/XXXX bunt never made payment due to dispute, yet they keep moving numbers around by saying I made payments or missed a payment Also disputed status not reported either.
XXXX XXXX repeatedly calls me and my family members from a blocked number from XXXX on. This company has disclosed my debt to a family member and told them that I need to get a lawyer or else. Ive contacted XXXX XXXX and told them that I was not working for months at a time due to XXXX XXXX and needed to make arrangements.They called me blocked I told the agent that they are allowed to call blocked and he told me they can do as they please with an attitude. There is no reason why they should be calling blocked, harassing my family And, disclosing my debt with them.
many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error
I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX
I have been having an ongoing issue with Chase bank. Chase bank closed my account and applied overdraft fees to my account. After doing further research I reminded them that I have always refused their " overdraft protection '' and it would have been impossible for my accounts to have accumulated overdraft fees. After inquiring about these fees, I was sent a very intimidating letter offering me a settlement to pay off the fees at a discount, and threatened that I would never be able to open an account again, as well as threatening to harm my credit. Chase is practicing illegal banking procedures and I want to sue them and hold them accountable for their actions.
I looked at my Equifax credit Report Online on XX/XX/2018 and I don't see any information on my credit Report. My Equifax Credit report is wiped out as if I'm deceased or something. Nor do I see a credit report. On XX/XX/2018 I faxed all my identification and Social Security card to Equifax Credit Report. I'm not sure why my credit report information has disappeared from online viewing. I also can not see my current credit score as well. Because I pay for this online service to view my credit report and Credit Score. I'm also currently dealing with identity theft, Hackers, Spam callers, spoofing, Mail theft, and vanish email and phone calls. This is due to mortgage Fraud as well with XXXX  XXXX XXXX.
We retail and service outdoor power equipment. We sell XXXX XXXX from a company in XXXX, TX. ( XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, ph # XXXX. Since the fall of 2013 they have been surcharging us the fee the American Express card charges and calling it a convenience fee for purchasing merchandise from them. Specifically Redmax product shown clearly on the billing invoice. 
In Texas it is illegal to charge this and we have tried numerous times to ask them to stop doing this. They said they could charge and this and went a step further. We wanted to purchase this product from another distributor that does not charge this fee. They were threatened they would sue because of territory maps. We have contacted American Express and they are disputing this. Also spoke with the State Attorney of Texas consumer complaint division, and we were also told to file a complaint with your office.
XXXX XXXX has been attempting to collect a debt which I do not owe. They have damaged my credit with charges which I did not incur. They are alleging that I owe {$6200.00} for a phone bill.This is outrageous and impossible as I have never spent more than {$100.00} on a cell phone bill. I contacted them and told them that I was a victim of identity theft and sent them a police report, but they never took the charges off. I have been very distressed as a result of this matter. This is not my debt and I do not owe them. I am a victim of identity theft and this is not my debt.