WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I reached out to XXXX XXXX in regards to a charge-off that I noticed on my credit report. After waiting to hear back from a dispute that I opened through XXXX, it was noted that XXXX XXXX was not willing to budge on this. I first spoke with a gentleman named XXXX XXXX. When I was speaking with XXXX, I expressed the issue at hand. He first was upset that I did not update my address immediately with him. I expressed how due to personal issues, housing was not consistent and there was no address to update with him for a good period of time. Then, after hearing the amount due, I offered to make small monthly payments but they refused. I was told that if I do not pay the full amount due now, they would report it to a third party which would then in return not allow me to get future jobs of liscenures. I was then told that I need to ask family, friends, and coworkers to pay the amount. I told them I have no-one to ask and I then was hung up on. I then called back, spoke to a supervisor and was told I would get a call back. I then recieved a call back from a different supervisor and she again was unwilling to work with me on anything. I stated my situation and they refused to do anything with deferrment post dated. I was on XXXX, food stamps etc during this time, and they refuse to do anything. After speaking with University XXXX XXXX, they are not too sure why the loan was even taken out in the first place. I attempted to then call XXXX XXXX once more, but no answer or return call. The experience has been horrible. I am willing to do small monthly payments, but they refuse. I do not like the fact that I was threatened with my future livelihood, nor the fact that were entirely unwilling to work with me.
Asset Acceptance attempted to validate Alledged Account # XXXX XXXX XXXX XXXX after I sent a validation request to them via certifiedmail. Asset Accepance failed to provide the Original Contract withmy signature and failed to provide a litany of documentation such as proof that they actually own this alleged debt. 
AALLC continues to report this debt on my credit reports whichis deemed to be continued collection activities.I request that AALLCdelete this inaccurate, incomplete, injurious information from all mycredit reports immediately as I am compiling their multiple violationsof Pennsylvania Consumers Laws, FCRA and FDCPA. 
This company also illegally verified my credit disputes via the creditbureaus.AALLC has ignored all my attempts to rectify this situation. 
AALLC isbeing willfully non compliant and are fully aware of their violations.
Convergent Outsourcing sent me a letter saying that I owe to XXXX XXXX dollars. Thats not true. 
I already spoke with XXXX and they told me that I do not owe any money and they do NOT work with that agency. 
This means that Convergent Stole not only stole my SS number but is also claiming money in behalf of comcast when is not true. 
I saw on my XXXX report that Convergent had made XXXX inquires on XX/XX/XXXX
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
I was faithfully paying my mortgage payment from the time OCWEN Loan Servicing issued my Loan Modification approved last XXXX XXXX, 2013. No missed mortgage payments from that date. OCWEN 's practices of Debt Collections, are not serviced accordance to the financing law and practices. OCWEN forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment from {$1.00}, XXXX as I usually paid. Evidence payment copies attached from OCWEN as proof bringing from {$1600.00} a month from my usual XXXX a month. 
I am asking OCWEN to credit to my principal Loan for the extra of {$480.00} from the time they loan Modified last XXXX XXXX, 2013 up to the present for extra escrow charges and adjust my mortgage payment back down accordingly. I will enclose the copy of the final Loan Modification signed and notarized. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.
On XXXX XXXX I received via US mail a Walmart MasterCard. This is a real credit card, not an application or a temporary card. I have NEVER requested or applied for a Walmart credit card. Naturally I destroyed the card. On XXXX XXXX, I received a bill for this credit card for purchases made at a XXXX in XXXX, NY. I have never been to XXXX, NY. This is clearly an attempt at identity theft. I do not understand how someone could use the card or the account number when it was never activated. I have written to Synchrony Bank ( who issued the card ) reporting this misuse of my personal information and informed them that I refuse to pay the bill. I also closed the account via their telephone system. My concern is that, because the credit account was apparently opened without actually using the card, further purchases may occur. Also, a different Walmart/Synchrony bank credit account, albeit with the same opening date, shows up on my credit reports, so apparently there are XXXX accounts I have to deal with. I am very concerned about this and not sure how to stop the misuse of my personal information.
I did not drive through or been in " XXXX XXXX Mississippi '' for the last XXXX15 years.I never did live. 
I got a threatening letter from Southern Fin. Service asking to pay {$150.00} they listed account # XXXX. 
Their address is SFS XXXX MS XXXX phone # XXXX. 
I wrote them, and they keep harassing me for such amount,. 
they refuse to fix it.
I have been struggling with being able to make my mortgage payments since XXXX/XXXX/2017. I notified the mortgage company at that time. They sent me a hardship packet, which I filled out and sent directly back to them. Heard nothing from them, except for collection calls from their call center. Those people are not able to help me, just keep asking when I will be able to make a payment. In XXXX, 2017, I was able to get enough money out of my XXXX to make the XXXX, 2017 payment. Then in XXXX, 2017, I was able to sell one of my vehicles to pay the XXXX, 2017 payment. I have no more funds to make any more payments, and they do not accept partial payments. So now, I owe for XXXX, XXXX and XXXX, 2017. In XXXX, I was finally able to talk to someone who told me that they did not have enough information and told me what I needed to send. I completed the items that they said they needed and sent them to them directly. Never heard from them again. Talked to them again in XXXX, they still did n't have all the info needed. So, I sent them what they requested. Heard nothing from them. In XXXX, called them again, and you guessed it, they did n't have our information. They finally found it in the wrong folder!! And they needed updated information. Sent that to them again in a fax on XXXX/XXXX/2017. I still have had no calls from them. Today, I received the attached letter from them. I am trying to resolve this, but they are not doing anything, and I keep getting further behind. I tried to call them this afternoon, but I was on hold for 30 minutes with no one ever answering the phone. I do n't know what else to do. I need help, because, I do not want to lose my home. My wife has acute XXXX XXXX and the stress is making her have XXXX XXXX, and has caused us to spend more money on hospital and office visits, plus prescription drugs. What can I do? We are struggling here!! 
The mortgage company is Amerihome at XXXX. XXXX XXXX, XXXX. NJ XXXX. And, their phone # is XXXX.
Navy Federal Credit Union primarily owed me {$3700.00} and I submitted a complaint against the organization due to the fact that this amount was related to fraudulent charge made on my account. Navy Federal Credit Union attempted to resolve the issue by only issuing a refund amount of {$2100.00} from the {$3700.00} which was {$1600.00} lesser than the total amount owed to me. The total amount taken from my bank account was {$3700.00} and 15 % interest rate was being charged to me for the past three years since Navy Federal Credit Union denied any responsibility of the matter. I will not be satisfied until NFCU returns the rest of the money owed to me that amounts to : {$1600.00} plus the interest back to me. I totally understand a portion of {$2100.00} was deposited to my checking account, but it is not enough. Many other veterans and federal employees have voice their concerns about Navy Federal Credit Union greedy agenda which is manifested by putting their interest above the people they represent. I give you a break down of the money that was supposed to be given which Navy Federal Credit Union did n't give. I would like to pursue the effort to regain the rest of the money back from this organization and I will stop until it 's done. 
{$2100.00} + {$1600.00} = {$3700.00} + 15 % interest charged for the past three years
I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX because they no longer have the debt. The collection agency does. I tried to rectify this with XXXX, XXXX, and TransUnion. 
XXXX {$860.00} XXXX  {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
Bayview Home Loans LLC is trying to collect on a purported debt. Various sevicers, lawyers, and agents for purported lender/beneficiaries XXXX XXXX XXXX, XXXX. 
No valid transactions can be documented since the original purchase loan and the purported transfers and or sales of the disputed loan that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not verified or dealt with in good faith. While contesting the foreclosure initiated by XXXX for XXXX under the deceptive and possibly fraudulent identity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as trustee for the benefit of the certificateholders of the alternative loan trust XXXX mortgage pass through certificate, XXXX XXXX and their lawyers from XXXX XXXX XXXX XXXX, including atty XXXX XXXX, Esq, XXXX who may have misled the court as to the claims of XXXX and XXXX in a quiet title action and the current foreclosure action and counterclaim the purported loan was again transferred to Bayview Loan Servicing LLC. XXXX XXXX, Bayview and their agents and lawyers continue to commit unfair, abusive and deceptive practices such as robosigning and probable fraud on me and the courts. On XXXX/XXXX/XXXX I received a DEBT VALIDATION LETTER from Bayview that states that XXXX and XXXX XXXX are the owner of the debt, This XXXX XXXX differs from the previous claims since XXXX referring to XXXX XXXX or similar, erroneously named trusts. On XXXX/XXXX/XXXX I sent a response to the Debt Validation letter that I dispute the debt. Neither XXXX nor XXXX have validated the purported debt since a title search prevented me from selling my property in XXXX. While neither XXXX nor XXXX have validated their claims the figure of {$250000.00} does not correspond to the purported amount of debt. On XXXX/XXXX/XXXX I sent a Qualified Written Request by certified mail to Bayview Home Loans LLC I have not recieved a response to either letter in violation of my rights by operation of law as to the validation of debt letter and the Dodd Frank Act as to the QWR. These recent violations and abuses continue a pattern of harm, fraud and denial of basic rights where the court and Judge are ignoring the facts and policy to address the harm done to homeowners and consumers. The accounting and escrow that they keep issuing forced insurance, fees, on my property. This needs to be addressed asap as they are causing me great harm and stress. Bayview Home Loans LLC has no right to my property and they need to STOP HARRASSING me with this purported debt, Thank you
XX/XX/2018 My complaint involves the deceptive information used by XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX telephone ( XXXX ) XXXX XXXX, to induce XXXX XXXXXXXX to create a mortgage. 

At the time that the XXXX XXXX was creating this fraudulent mortgage I was XXXX and unemployed. I notified XXXX XXXX that it was impossible for me to continue my mortgage payments and asked him to confer with the bank, XXXX XXXXXXXX, to arrange a program that would allow the sale of the property and the settlement of the outstanding mortgage. 

What was represented as a form of modification turned out to be a financial arrangement that was onerous and draconian in its cost in fees and new taxes and future interest rates. 

The result is that the bank is now at the brink of foreclosure and they have issued a to the court a {>= $1,000,000}, which if executed will leave my wife and myself without any equity and we will be subject to abject poverty. Our most valuable asset will be taken from us and the bank will collect {>= $1,000,000} in fees. My wife and I will be destitute based on a mortgage that I would never have gotten based on the true facts rather than the fabrication that the XXXX XXXX used to create an application that the XXXX XXXXXXXX would accept. This was no more than a way for the bank and the mortgage broker to garner tens of thousands of dollars in fees, with no regard for the laws that demand a truthful disclosure of facts, or the negative impact on the people on the other side of their deceptive behavior.
I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account.
I filed for bankruptcy in 2012. What I owed Ditech was discharged. Now they state I still owe them {$8000.00}. The account shows discharged on my credit report.
Equifax is stating that the information on the public record is accurate and closed the dispute. I know the information is accurate. My issue is that I filed a Chapter XXXX bankruptcy in XXXX XXXX, which means XXXX XXXX it has been 7 years and should be removed. XXXX and XXXX both have complied and cleared my record. When I called Equifax , I was told that because my Chapter XXXX was dismissed and not discharged, I have to wait 10 years for it to be removed. I have called and consulted with several bankruptcy lawyers and all have told me that the rule is 7 years for a Chapter XXXX.
I had a vehicle loan with Automotive Services. I am XXXX XXXX military. I received orders to XXXX. Once I saw that was happening I informed Automotive Services of my upcoming move and that I could not take this vehicle with me. I informed them also of the Service Member Civil Relief Act and they said they did not honor that. So my options were pay for a car for XXXX years that I would n't be able to see or drive or turn it in. I tried to resolve it in a civil manner and they kept telling me they would not honor that Service Member Civil Relief Act and that I would have a repossession on my account if I willingly or unwillingly gave the car up.
I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.
I CALLED AND TRIED TO PAY THIS DEBT AND COULD NOT GET THME TO TO TAKE MY PAYMENT OR TO TALK TO ME ABOUT ADJUSTING THE COMPANY JUST KEPT CHARGING ME LATE FEES AFTER BEING UNABLE TO GET THEM TO AKE MY MONEY SO I DONT REALLY OWE ALL THIS MONEY BESIDES I KEEP HAVING TO CHASE THE CREDIT COLLECTIONS EFFORTS I THINK THIS IS THE SECOND THIRD FOURTH COLLECTION AGENCY TRIING TO COLLECT ITS A FRAUDULENT SCHEMA
Last month XX/XX/XXXX I noticed that Midwest Recovery Systems, LLC had placed on my XXXX  and XXXX credit report that they were collecting a debt of XXXX the last date of delinquency ( according to the info on my report ) was in 2012. The problem is ... I never took out a loan with the company that they are stating is the original creditor. This company has never sent any letters to my address alerting me to this debt or that they were attempting to collect a debt and when I contacted the Credit Agencies to dispute the debts, they both came back verified as mine by the Collection Agency and remain on my reports as valid. I contacted the Collection Agency - Midwest - and asked them for documented proof of the debts and they simply ignored my request and never followed up with me. SO I looked online to find out about this company and see that they have thousands of complaints against them in regards to putting false information on credit reports and other consumers having to file suits against them to get them removed. This company is being allowed to list on consumers credit reports without any documentation that they are actually owed debts and it 's ruining credit. Apparently all they needed to provide to the Credit Reporting Agency to " prove '' the debt was mine is my name, address, date of birth and last 4 ss I plan to take them to small claims court very soon because they will not remove or prove this debt but wanted to alert you.
This agency/law firm/debt collector sent collection letters for an extended amount of time to the WRONG ATTORNEY IN WISCONSIN XXXX, WI. Per the XXXX XXXX XXXX XXXX XXXX, this complaint closed and the attorney was found to have made the error unintentionally. As of XX/XX/XXXX, a judgement for {$3400.00} was filed and ordered. Currently, incorrect information is listed on this case. The Wisconsin Public Records states for this case has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI as a c/o recipient to receive mail effective XX/XX/XXXX. This information is false. XXXX XXXX was not retained as my attorney for this case on that date. Neither XXXX nor I were aware of any attempt of debt collection prior to XX/XX/XXXX. Dobberstein Law Firm, Attorney XXXX XXXX, admitted to mailing any and all collection documents to the wrong attorney. I, XXXX XXXX, was unaware of attempts for contact or collection in XX/XX/XXXX until I received solicitation letter mail from Bankruptcy Attorneys notifying me that I was being sued. Not only did this law firm send all attempts to collect debt to the wrong attorney, the county court house included the wrong address to send correspondence to after the judgement was filed. I will not receive any documents regarding a pending garnishment, nor will my attorney, since the debt collection law firm made valuable mistakes with legal documents. I was not notified in the proper amount of time to work out a repayment plan before a court date was scheduled. After the court date was ruled in favor of a garnishment, the debt collection law firm continued making mistakes when submitting information to the county clerk. As of XX/XX/XXXX, the name of the representating attorney is correct, but the wrong mailing address. This law firm should be held liable for malpractice.
I have  a Sears citibank cred it card in which I purchased  XXXX  worth of appliances In the meantime years later my balance did n't seem to go down I was just thinking it was at a high interest rate so needless to say I researched my bills and come to find out I was being charged for an " account care '' thing so I called them to cancel it and ask when I signed up for this and I wanted proof because I did n't recall ever signing up for this, So after back and forth they refunded my account for 6 months of payments for this account care fee with no interest Of course I was n't happy because pretty much all the money on my credit card is pretty much ALL THE FEES PLUS INTEREST from these fees But they ended up finally sending me where I signed for it Well I looked at this and the paragraph for the agreement for the credit card was  XXXX  sentences and the paragraph for this ACCOUNT CARE thing was huge I know I probably thought it was part of the application I found this to be VERY MISLEADING ESPECIALLY since it was done on a machine in the store I 'm sure each screen came up at different times But I feel as I was taken advantage of.. This should not be on the application it should be an option that should be mailed to you after the fact to read and understand..In the meantime I have  XXXX  of dollars I have to pay back in fees and interest And on top of that my payment is over  XXXX  a month I feel very mislead
My last payment was made  XXXX   XXXX . I am late on my  XXXX  and now my  XXXX  payment. I am not 60 days late yet.     They will not stop calling me and are also calling during work hours. They will not accept any payment arrangement unless I come in. They are an hour away. If I come in during their business hours I am going to hav e to drive and   XXXX   ( t his cost money ) and it will not make money magically appear in my hand to pay their bill.     I have tried to tell them I get paid on the  XXXX  and will pay the bill then and they will not accept that and are harassing me daily while at work. Again this is not even 60 days late and I am being harassed daily.
XXXX XXXX and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa XXXX has XXXX up my report totally this need to be corrected right away