WillisBack/dataset-financial-user-claim huggingface dataset:
On X/XX/17 is when I began short sale application process. On X/XX/17 is I contracted with a listing agent to coordinate short sale. From XXXX am accessive amount of multiple tedious tasks were requested by Wellsfargo where the realtor and myself were responsive and thorough. On X/XX/17, the requirement to have the pre foreclosure sale addendum signed by 6 different parties without acceptance was completed which is the final and most challenging task was submitted in time. Signatures included the realtor, the realtor 's broker, the buyer, title agency, the short sale assistant, and finally myself. I 'm the midst of all of that Wellsfargo mandates the listing price of less than 30 % market value which stimulated a frenzy. The last and final date on X/X/17, Wellsfargo mandate a listing price of {$130000.00} which is {$81000.00} more than the initial listing which cause stress, frenzy, and unnecessary buyer chaos. Ultimately Wellsfargo sold the property at auction.
I have agreed to do a standard short sale with Nationstar. After my agent has submitted a solid offer with a solid Buyer and the lender conducting a BPO on the XXXX of XXXX the lender ( nationstar ) is trying to force me to go thru an Auction Process of which will scare by buyer away as they will withdraw their offer. Conducting an auction that makes no sense after having received a solid offer. The property has been on the market for almost 1 year and we finally have an offer to close quickly and now they want to force me to allow an auction. How can a lender who has no legal right to conduct a sale on my property force me to participate in such a ridiculous action and cause me to lose the solid buyer i have in place. Also, to make matters worse the 2nd Lien Holder foreclosed on the property on XXXX/XXXX/2017 but has agreed and allowed me and my agent to continue Negotiations and proceed with Nationstar for a STANDARD Short Sale. Not an Auction from a Vendor/3rd Party who will try to sell something they have no legal right to sell. What an Absurd practice that they are trying to force upon me. I know a few other individuals who have had gone thru the short sale process with NationStar and none of them went thru a forced auction. This Practice in my Opinion is wrong and should be looked into. Please help bring Light to this Situation as they seem to be on a one track mind and are adamant about either going thru with the Auction or they will decline the file. please see the attachment that was sent to me this morning stating the above.
{$6000.00} of balance from SANTANDER BK, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
On XXXX XXXX, 2017, my Experian credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : 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 I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.
I was advised to file bankruptcy due to issues I had with identity theft. I called XXXX after I was told by the attorney of the balance with XXXX. It was around 30,000 of debt. Debt for schools I have not attended. I called XXXX often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to XXXX in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the XXXX XXXX XXXX and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX XXXX XXXX XXXX College XXXX XXXX XXXX XXXX XXXX XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the  time of enrollement. Regarding my  income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.
hello, there are XXXX things on my report that I have verified with XXXX XXXX XXXX that are incorrect on my Experian Report, and XXXX stated they have contacted Experian to remove this verbage and incorrect statements. " Paid in Settlement {$220.00} written off '' is a false statement, and inaccurate information.I was told by a XXXX representative, it should read Account Paid Account Closed. It also shows a CHARGE OFF in 2015. There was nothing charged off in 2015!!, and I want that corrected as well. There was no activity on my Honda Accord in 2015. Please help me. Thank you so very much!
I filed a dispute with XXXX on XX/XX/XXXX regarding student loan company AES/PHEAA falsely reporting payments being made to them. The last payment made to AES/PHEAA for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to XXXX that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. XXXX completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XXXX. Furthermore, XXXX has allowed this loan to be reported a second time on my credit report under PHEAA but the same account number see attached ).
This morning I tried to use my account to gas in my car and found out that my card, that they sent to me 2nd day air was closed. I called and they said a fraud was done against the bank. I did file a claim for funds that were taken out of my account two day before but it was fraud against me ... I talk to the rep and she said that I will receive my funds in 60 days. I explain to them that my money was just deposit into the account and that money was to used for food for the kids and to be able to have gas for the car to get back and forth to work. I told them we had no other money then the money that was in the account they closed. I do n't get paid for two weeks now and have no money to feed my family or pay my bills. I ask them to red label my funds in a cashier check and I would pay for the cost. They said no and it is against banks guidelines. My family can not go a day with out our funds. I did n't even have enough to put gas in the car to take my son to school and get to work. How can they hold my funds like that and give me no ability to use it. This has put me into hardship
I have a checking account with Capital One 360. On XX/XX/2016, I needed to make an ATM withdrawal. I went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and there was a sign on the ATM indicating it was out of order. I then went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and that ATM was also out of order. I then, needing access to my money and not having any more time to drive all over town, went to the ATM at XXXX XXXX in XXXX XXXX, IL, and used there ATM, and incurred a {$4.00} fee for using a non-network ATM. I called Capital One and was told by a super visor " XXXX '', that they do not care how many ATM 's I have to go to, they do not reimburse fees. XXXX also told me that she does not have a phone number to reach her directly, and that she does not have a boss and is the highest level person I can speak to at Capital One.
Hello, on  XXXX   XXXX ,    2017 I mailed a letter ( included  in attachments ) to Equifax via certified mailing receipt #  XXXX  ( included in attachments ) which they received via confirmation from the United States Postal Service website on   XX/XX/17 @  XXXX . Upon reviewing my credit file, I noticed there had been no action taken on my file in regards to my request, therefore I reached out to Equifax @ today and spoke with a representative. I initially contacted Equifax @  XXXX  and got the representative at  XXXX   XXXX . EST.   After speaking with the representative, and him stating that he did n't show that they had received a letter from me, according to him, he searched his system high and low, I asked to speak with their Consumer Affairs Department.     After being transferred b y one o f the representatives on  XX/XX/17    @  XXXX     XXXX   I  spoke with  XXXX   XXXX  refused to give a last name ) in the Consumer Affairs Department, stated he was a supervisor. I advised him I do n't see that they have initiated anything from my request on  X/XX/17    and received in their office on  X/XX/17    at  XXXX .   Per representative and  XXXX  they do n't show they have received my documents in their office. I spoke with  XXXX  and advised that at this point they have violated the FCRA in which they have failed to initiate my dispute within the 5 days required and they have failed to send results of dispute within 30 days, therefore I told him the y need to delete a ll accounts I listed on my letter. Per  XXXX  he could see that there were  XXXX  disputes on the  XXXX   XXXX   XXXX  account that were started but nothing was done with them. I asked him how this could be if they " stated '' they never received the letter. I asked if he could provide me the date this " fantom dispute was initiated '', however he was unable to provide that information, stating he could n't see the dates that this was done. He stated they would n't remove the accounts but I could forward him a copy of my letter and they could initate the dispute at this time. I advised him that this violates the FCRA and they would be subject to legal action. He refused to delete this information though they made an error. I advised him that the letter reached their office, what they did with it after it got to them was not my problem.   I have included my initial letter, my certified receipt and proof the letter was received in their office.
I have been trying to refinance with Quicken Loans since XXXX/XXXX/2015 the process has been a painful one. they have been disrespectful, changing my numbers ( the good Faith estimate ) XXXX times even on the day of the closing. In addition to all of that, I did the so called closing on XXXX/XXXX/2015 and I signed all the papers including the HUD. They called me today XXXX/XXXX/2015 saying my closing is cancelled and I have to re -close.
I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.
They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.
I have a medical bill from XX/XX/2018. Nothing was owed at the time of service as instructed by my care providers. I never received a follow up bill in the mail and was not informed of an outstanding bill on my account which I would like to pay off. I received a call from RMP collections about two months ago - the agent on the phone did not state what company they were calling from, what the bill was owed for, that there was any option to dispute the bill, or even the name of the agent. They requested that I make payment via the phone immediately - I found this highly suspicious and asked that they send the bill to me via mail which they seemed very agitated about. A week later I received a barley legible copy of a financial report, here I was able to discern that it was for an unpaid medical bill. I called the clinic and attempted to pay explaining that I had never received the original bill, I believe they sold my debt instead however to RMP and I would like to dispute the bill. I'm happy to pay for the medical services but do not feel that the charges for RMP collections write off are valid.
I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim.
Back in XX/XX/2016, I was experiencing financial hardship, and I made a couple of late payments on my XXXX XXXX credit card.
This is the second complaint I have filed related to XXXX Mortgage. While some of the information is still being disputed from the initial complaint involving wrongful foreclosure there is very material new information which is the basis of the new complaint. 
Specifically, today I received a large package of information from XXXX. It does include an updated escrow analysis and payment amount. However, there is no mention of why it is just now being received. Nor, is there a mention as to why the prior statement was sent - after receiving payoff funds - still showing I owed over {$4700.00} in XX/XX/XXXX. 

The package does include the reiteration that XXXX Mortgage did nothing incorrect in servicing my loan. This assertion does not reflect reality. The information also indicates that the VA was wrong in stating that my loan did not have to be 'seasoned ' ( 12 months of payments ) in order to qualify for modification. 

In addition, the following items, at a minimum, are incorrect in the final reconciliation received today from XXXX as follows : 1. My wife did not sign the 'Note ' and promise to pay -- XXXX provided a copy of the same showing she did not sign. -- - She did sign and was told to sign the mortgage - which appears to be incorrect as she is not subject to the loan underwriting, the 'Note ' nor the repayment of the loan. 
2. They agreed in XX/XX/XXXX to settle the matter and gave me a pay-off until the end of the month. They then within XXXX hours hired an attorney to wrongfully foreclose. They disregarded the agreement by taking action so quickly and not giving me anytime to remit funds ( which I explained I had to borrow in a process that would take a few days ) 3. They did not properly reconcile my account upon receipt of the punitive reinstatement charge of over {$20000.00}. 
4. Instead, they did send a mortgage statement for XX/XX/XXXX that is completely incorrect showing I owed over {$4700.00}. -- 5. They did repeatedly make assertions that they were not allowed by the investor to work with me on to settle the debt. Now they say they are not the investor but in a recorded conversation in early XX/XX/XXXX they indicated they were. 
6. They still show a negative escrow balance which I continue to dispute. 
7. The indicate they can arbitrarily offer to reduce late fees only to then reinstate the fees. 
8. They indicated the legal fees charged were reviewed and are correct. -- They are duplicate fees and there has been no explanation thereof. 
9. They say I was not experiencing a temporary hardship so I did not qualify for a loan mod -- I was, as my house payment had increased {$900.00} a month due to payment of punitive taxes. -- The payment created a hardship. 
Bottom-line, even after I paid the punitive reinstatement charges, they still failed to properly reconcile my account. Instead they sent the attached statement showing I still owed {$4700.00}. They have since provided additional information all of which says they did nothing wrong. So, I guess I am to yet again disregard written correspondence from them that says XX/XX/XXXX thing and only pay attention when they say they have done no wrong. --
On XXXX/XXXX/15 I received a phone call from a man who said he had to " qualify a file. '' He did not identify what the file was regarding. He only said he was " gathering information. '' I refused to speak with him and told him I did n't know who he was and therefore would n't provide any information to him. He then transferred me to a woman and when I asked her what this was regarding, she said XXXX. I immediately hung up. According to my credit report, XXXX wrote off and closed this account. 

On Friday,, XXXX XXXX, 2015, I received this voicemail message : " This is XXXX XXXX. We need to qualify this file that is in review. I 'm sure we can help you sort something out but we need to talk about it. I 'm trying to prevent calling you at work. This is a courtesy call. '' On Monday, XXXX XXXX, 2015, my landlord received a message from a woman named XXXX for me claiming she was from " Worldwide '' and that she had to speak to me. She left a phone number that was similar to XXXX XXXX 's XXXX ( XXXX XXXX number is XXXX ). I then received a phone message as well stating that she was having a meeting about the file in the morning. 

When the woman called, she somehow hid the phone number she was calling from and it just showed " XXXX '' XXXX. 

I then sent a text to the XXXX number demanding that they cease calling me and my landlord. That request was ignored. 

On XXXX/XXXX/15, I received a phone call from " unknown '' at XXXX.. I then got a second call from " unknown '' at XXXX. At XXXX, I received a phone call from XXXX XXXX XXXX . He stated he 's calling me with some very important information that I need about the property on XXXX. I do not have any kind of financial interest in the XXXX property. 

On XXXX/XXXX/15 I received the following phone calls : XXXX ( XXXX ) from XXXX and at XXXX Unknown No messages left. 

On XXXX/XXXX/15 a woman named XXXX left a message for me on my landlord 's phone saying I needed to call her. It was a XXXX/area code number. She did not say what the call was regarding or why I needed to call her. 

On XXXX/XXXX/15 I got a call from Worldwide Asset Services XXXX that was an automated message. It stated that they 've left messages for me to call them but I have n't returned their call and it 's very important that I call them. The number they left was XXXX. Same message was left on my landlord 's phone.
In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response. 

I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.
Since XX/XX/2013 I have had constantly fight with XXXX, XXXX  , & TransUnion to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices