WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX has sent correspondence that they are neither lender or servicer of our mortgage. Per Select Portfolio the original note was either destroyed or mutilated. We have continuously asked how to determine the true lender. That request has fallen on deft ears. Based on the documentation received regarding our home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX we feel SPS is trying to steal our home. Per Arkansas law the lender is required to provide the name and address to where the original note is held. Select Portfolio is unable to produce such document as the original note has either been " destroyed or mutilated ''. What ORGINAL documentation is being used to determine that XXXX XXXX had the legal right to initiate collection/foreclosure procedures?
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Wakefield & Associates. I requested a validation on XX/XX/2018 as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2018 I sent a direct dispute to XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
I had XXXX mortgage loans with chase bank. Some time ago I experienced hardships paying those mortgages so I went about filing for a modification on those XXXX loans. I was approved for a modification through a chase program for the XXXX loans. Turns out in the interim of chase modifying my mortgage they sold off the smaller loan, so the modification was in jest only for the XXXX loan ( which it lowered the total amount, not by much but some ). I did n't find out that chase had sold off the smaller loan until the company contacted me, and this new company ( considering it 's my XXXX mortgage ) is not willing to do any modifications and I do n't qualify for the harp program. My question is if I started off modifying both loans with Chase why is it that they decided to sell off the smaller loan, I was under the assumption that the modification program was to help " regular people with hardships ''. I believe that Chase had no intention of modifying the XXXX loan from the very beginning. Now I am dealing with the same payment on the XXXX loan as I had from the very beginning ( I took out the loans in XXXX ) If Chase is not going to be held responsible for dealing with my XXXX mortgage what options do I have with dealing with this other company?? The XXXX mortgage company name is XXXX XXXX XXXX and is definitely not user friendly!!
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om  X/XX/  17.
I am receiving calls from Focus Receivables Management about a debt that I do n't owe.
The calls started beginning of  XXXX . I 've been getting calls on my cell phone from the #  XXXX , I would answer and no one would say anything, just dead air. I do n't remember all the dates but it wa s 3 or 4  days in a row. On  XXXX / XXXX /  XXXX   I got a call on my work # from the same number. When I answered, the person Identified himself as  XXXX  from Conserve. I asked him not to call me on my work # and I needed a day or  two to find th e paperwork they sent me. The next day,  XXXX / XXXX /  XXXX   I got yet another call from  XXXX  at Conserve at my work #. I advised him I just talked to him yesterday and asked him not to call me at work.
According to the closing documents, the PMI payment was not included in the escrow account, and was to be paid out of the regular monthly payment. After the mortgage was sold to another servicer, the new servicer started paying the PMI out of escrow, great reaching the amount in escrow, which is to pay for property taxes and home owners insurance. I have made all my payments on time until the change is the escrow account, and I have talked with the loan servicing company, and the representative I talked ( XXXX at LoanCare ) to agreed that the problem was on their side, and that an escrow analyst would call me back. That was 10 days ago, and since then, I have been repeatedly be getting automated calls to call LoanCare. They have not resolved the problem, and it is very difficult to talk to anyone who can actually resolve the issue. Because of the issue, LoanCare has been reporting to credit agencies that I am 30, 60 or 90 days behind on the loan, which a significantly downgraded my credit ratings.
We are late on our mortgage and have applied for modification in the past. The modification process can only be described as incompetent at best, and deceitful at worst. Documents are lost, the file is never complete despite repeated attempts to be told exactly what is needed, and in final review, no meaningful accommodations are made. More recently, I have been given different information each time I call in to find out what payments can be made. I was told to mail in checks because they wo n't take partial payments over the phone. One check was cashed and applied, the next was returned. In fact, I had called to see if they had received it and they said they had no record of the check arriving at the office. Obviously someone had received the check, and reviewed the account to the extent that they were able to return the check. But no customer service rep was informed or would tell us what was going on. We were told on Saturday the XXXX of XXXX, XXXX, that the account had not been referred for foreclosure. On Monday the XXXX, we received a certified letter that it was in foreclosure. On Thursday the XXXX, I called Chase to find out what options we had. I made arrangements to pay {$3600.00} on Friday, XXXX XXXX, XXXX, which when combined with an unapplied balance, would cover XXXX, XXXX and XXXX XXXX payments. They told my husband the same thing earlier in the week - that they would accept 3 month 's payments. Today, I received a phone call that the account was returned to foreclosure status on Monday, the XXXX of XXXX XXXX, and that three months payments WOULD NOT be accepted, and we had to pay all past due amounts plus fees. They did not have notes of our prior conversations with reps. 

This is either sheer incompetence or a systematic way of doing business that puts consumers in a precarious position. It is a shameful way to conduct business especially in light of the fact that Chase was the recipient of a generous bailout during the subprime mortgage crisis of XXXX and XXXX. 

Please help in any way you can. We are just two working people who had a very hard time during the recession. We have a college student and a XXXX in high school, and are managing our own student loan debt.
XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation.
I filed a dispute with Transunion Credit Bureau for an account with creditor XXXX on behalf of XXXX on XXXX and it was suppose to be resolved on XXXX. The account is incorrect because I have never opened an account with XXXX or did business with them. I sent XXXX a certified letter disputing this and asking for proof on how this was opened and never received a response back. So I called Transunion to find out why it was still open and on my report and they stated it was verified. I asked them how they verified and I was not able to get an answer. This account does not belong to me and it was removed from the other credit Bureaus except Transunion. In addition I have attached a copy of the receipt of the certified letter I sent.
I do not believe actually this debt is caused by me and strongly believe it is wrongful charge that is posted against my credit report. I do not have any documents and never dealt with them in my life.
I was on a payment plan with XXXX. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT 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.
I was shocked when reviewing my credit report and found some late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I need some help, back in XX/XX/XXXX a loan through Wells Fargo was closed out, it has been six years and now XXXX has re reported the data as of XX/XX/XXXX. I have disputed with XXXX with no resolution and even called Wells Fargo which stated because my mortgage was closed in XX/XX/XXXX, they have no record of it in their current system. 

When I asked how I could get this report date corrected, the Wells Fargo representative said I would have to submit a letter. I had submitted a letter/ dispute with XXXX for Wells Fargo to change the original report date to XX/XX/XXXX. The Wells Fargo rep said that that was all I could do. 

I need to move on with my life, I am in the middle of buying a home, I am unable to close my on my new home until this matter is resolved and if not resolved I will not be closing and lose all the money I put down. It has been years, I have worked very hard to move on with my life and making the right decisions. Please help me I am lost for words with this situation. I have a family that is looking froward to moving into our new home. PLEASE HELP
We purchased our home with cash in XX/XX/2012. After moving in, we discovered that the plumbing in XXXX of the bathrooms required immediate repairs. As we had used all of our savings to buy the property, we needed to get a home equity loan to make the repairs. We did not have any credit so we were forced to get a loan from a private lender at exorbitant interest rates. As first time buyers, we were not aware of the fact that we needed representation at the signing, nor were we made aware of the transferring of the loan to another company before we signed. We have tried to get the interest rate lowered to no avail, so at this point we are trying to find some solution for this anchor around our necks.
XXXX  Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, Transunion, & XXXX have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX
In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. 

The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. 

This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. 

We have submitted another appeal and we will continue to push this with Ditech
On XXXX XXXX I was contacted by check into cash advising that I had outstanding loan that had not been paid I advised that I did not have a loan and I am in the process of disputing the loan. I have retained an attorney who is representing me and I sent two certified letters to the company. I have proof they received both letters and they have continued to call me.
I received a message on XX/XX/XXXX indicating that someone ... no name given ..owed a debt. I called the number back there times on XX/XX/2017 and left message- maybe two- asking for a call back. I did not receive a call back. I called the number back today, XX/XX/2017, and got someone who had my name and an old address, but would not tell me what or who I allegedly owed. I asked for written verification of the debt and gave her an address where I could be reached, to which she responded " we ca n't mail things to XXXX XXXX, it 's illegal, '' without further elaboration.
Chase have been charging me too many overdraft fee and are very inconsistent on how they do it. They even charged me for overdraft for transferring money from my checking to savings even though there 's enough money when I did the transaction. Some charges they would pay and charge me overdraft for it then decline the charge after a few leaving me to pay extra fees to the other company because of declined payment. They take over {$400.00} of overdraft on my account almost every month!, they would even change the order of my transactions from highest to lowest so I could have more nsf fees at the end. What a scam!!
XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.
On, XX/XX/XXXX I received notification from XXXX, that there was a new collection account reported from Phoenix Financial Services. I never received any written notice. Nor, was I given the opportunity to dispute the validity of this debt. Daily, I receive random phone calls all hours of the day, which I believe to be from them. As far as I know the fcra and fdcpa protects me from such actions.
Experian credit reporting continues to report information on my report that has been previously deleted, or has been on my credit report more than 7 yrs, ( past the statute of limitations ). When I try to dispute these items, I get a message that the issue has been resolved, but they never do any investigating or go to the date of the last activity for proof. They do not verify any information they just add negative items to your report without checking to see if the items actually belong to you.
XXXX XXXX XXXX and BWW Law Group are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. XXXX and BWW has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. XXXX and BWW was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. BWW has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ XXXX. BWW attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. BWW and XXXX poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws BWW and XXXX continues to violate is of significance. BWW appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, BWW acts as if it above federal law while engaging in interstate commerce for illegal purposes. BWW and XXXX was Ordered to pay actual damages in the amount of {$4.00} XXXX Dollars pursuant to XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. BWW and XXXX must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. BWW and XXXX must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.
On XX/XX/XXXX, I received a cold call from a travel agency, The XXXX XXXX, a XXXX company, about the purchase of an all-inclusive pre-paid vacation package on my cell phone. The caller indicated that they received my information from AMEX, and they were a preferred AMEX merchant.

I thought it was a little suspicious and called AMEX customer service to discuss my worries about purchasing the vacation. The AMEX representative told me that if the vacation turned out to be a fraud or scam, then I would be protected by AMEX.

I tried to schedule my vacation with the travel agency in XX/XX/XXXX per the terms of the contract. It turned out that it was not a vacation, but an expensive trip to be in a high pressure time share sales pitch. The hotels that they offered were not the same as the ones they sold to us in XX/XX/XXXX. It became very apparent that it was a bait and switch. 

I immediately contacted AMEX with the information and sent in about 30 pages of documentation. I also sent a detailed cover letter that discussed the timeline of all actions.

AMEX opened the dispute then closed it. We refiled several times and they kept closing it down. 

After researching online, we discovered that The XXXX XXXX had been defrauding many other AMEX customers. The XXXX XXXX uses the same modis operondi on all their victims. Some have received their refunds from AMEX, others haven't. 

I want AMEX to do what they promised on on XX/XX/XXXX and give us consumer protection because we were defrauded by one of their preferred merchant accounts.
For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.