WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, my family experienced a hardship ; due to loss of income and illness. In XXXX XXXX, we applied for home retention services with Round Point Mortgage Servicing. After working odd and ends temp jobs, my husband found stable employment in XXXX XXXX. After sending in multiple duplicate documents, our modification package was deemed complete in XXXX XXXX. We were approved for a trial modification in XXXX XXXX, which required us to pay {$1200.00} for three months and upon completion we would receive a permanent modification in 30 days. We called once a week for 4 1/2 months, waiting to receive permanent modification documents ; the servicing was horrific! After writing an unanswered QWR and escalating calls to Supervisors ; we finally received permanent modification docs in XXXX XXXX. The payment was higher than our original mortgage note and brought us little to no relief. Besides the fact that out delinquency is now sitting in a second lien position with XXXX and we now on title, owe more on our mortgage than we did when we closed on our home back in XXXX XXXX. In XXXX XXXX, we received a letter informing us that our servicer would be changed to XXXX XXXX XXXX. We were happy with our new servicer and the amazing customer service we received. The downside was, that credit reporting would lapse for two months and we would n't have the opportunity to have positive mortgage credit rreporting for 60 more days. In XXXX XXXX, we received another letter advising that our mortgage was being transferred back to Round Point Mortgage effective XXXX XXXX, XXXX. This was devastating! Not only because our mortgage would be back in the hands on this incompetent servicer, but we would have yet another two month delay in positive mortgage credit reporting. We reached out to the Investor of our mortgage XXXX XXXX Mortgage, and the horrible treatment continued. We were told that our QWR was never a QWR, that any and all credit reporting issues were all our fault for becoming delinquent and that explanation for having our mortgage tossed back and forward between XXXX servicers was not necessary. Lastly, we were advised that our attorney had failed to reach out to them ( What attorney? We have no legal representation, neither have we ever claimed such. ) We take full responsibility for becoming delinquent on our mortgage. However, once monthly income was re-established we complied with everything our servicer and investor said. We have been paying our monthly mortgage since XXXX XXXX ( including the XXXX trial payments ). Due to careless, unfair, unprofessional, predatory servicing/lending ; our mortgage is still not affordable, we owe $ XXXX on our home, when our home sold for only XXXX, our credit reports only reflects XXXX out of the 14 months of consistant monthly payments we 've struggled to make and the Investor of our mortgage will not hold themselves or their servicer accountable for the poor and incompetent handling of our mortgage. Please help us! 

Sincerely, XXXX and XXXX XXXX
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
AFNI INC A DEBT COLLECTION COMPANY ADDRESS XXXX XXXX XXXX IL XXXX REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT ANGENCY HOW ARE THEY VERFIED? THANKS
The beginning of XXXX a dispute was submitted by XXXX to have collections removed by XXXX XXXX XXXX as the collections do not belong to me. I received an email from XXXX  on XX/XX/XXXX that my XXXXn dispute results were ready. I viewed the report and the three collections were in fact " DELETED '' from my report. Fast forward to XXXX XXXX XXXX, with no notice received from XXXX XXXX XXXX, the accounts have since been added back to my XXXX credit report. There are three separate amounts appearing on my report, XXXX XXXX XXXX- {$280.00}, XXXX XXXX XXXX- {$37.00} and XXXX XXXX XXXX- {$980.00}. I have since reached out to XXXX today, XX/XX/XXXX and was told " yes they were added back to your report ''. Now, I have not received any notice from XXXX XXXX XXXX or XXXX stating that these accounts would be added back to my credit report. This is unacceptable.
On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well.

After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified.

I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose. 

This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization. 

Please promptly remove the inquiry from my credit file.
We closed credit card account with Citi Bank in XXXX XXXX. Their customer service confirm the closing by email and asked us to wait for the final bill to make the final payment. We did not receive the final bill hence paid the last bill received from Citi Bank ( late XXXX XXXX ) as Final payment. Citi Bank then sent an e-mail asking for late fees which we are disputing for past 4 months.
I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.
It 's seems like someone wanted to create a chase account in my name through their online website. The reason I know of this is because it appeared on my credit report. I currently live in an awful building with very poor security and I think someone has been watching my mail box. I already notified my landlord to change the locks on my mailbox. This has happen in the past where they have broken into the mail. I 'm try to move out this building but because of this hard inquiry it brought my credit score down. I open two credit card recently but that was only with XXXX XXXX XXXX and XXXX XXXX but that was to increase my credit so I could leave this place.
I was XXXX at XXXX Hospital, XXXX XXXX, Florida, on Sunday, XXXX XXXX, XXXX and was discharged on Wednesday, XXXX XXXX, XXXX. On Friday, XXXX XXXX, XXXX, I paid my account in full in person in the amount of {$5800.00}. On XXXX XXXX, XXXX I received the official receipt from the hospital for full payment of my account. 

On Thursday, XXXX XXXX, XXXX, I stopped at the emergency rooms, receptionist, specifically to obtain the address of XXXX XXXX XXXX, the XXXX who had attended to me while I was at the hospital. XXXX XXXX XXXX kindly gave me the address and had a friendly chat with me, including her personal background. I was not admitted, nor was I treated, and was assured that there will be no charge for this interaction. End of narrative. 

On XXXX XXXX, XXXX, I was telephoned by the hospital 's account management operation in XXXX, that there was a balance on my account of {$230.00} for the emergency room interaction on XXXX XXXX, XXXX, for which I had been assured there was no charge. On pointing this out to the person I spoke with, and upon further checking, she agreed that there was a notation on the account to that effect, that is, no additional charge. Nevertheless, on XXXX XXXX, XXXX I received a phone call from XXXX in XXXX that was intimidating in tone and content, and claiming that an additional charge of {$230.00} was now owed. I was upset and disconcerted and wrote to XXXX XXXX XXXX XXXX, Chief executive Officer of the hospital, with a copy to the hospital 's Accounting Office, on XXXX XXXX, XXXX but received no reply from either. 

To my utter astonishment, between XXXX XXXX, XXXX and XXXX XXXX, XXXX, I received several letters from various collection agencies with no identification of the services provided, demanding different amounts of payment from {$1500.00} to {$230.00}, and most recently, {$450.00}. On XXXX XXXX, XXXX My husband and I replied to CMRE Financial, disputing their claim of {$1.00} and also attaching a copy of our letter to XXXX XXXX XXXX XXXX. We received no response. In between, I received a letter of apology from the XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, stating " We apologize for this error and the inconvenience this incident ( notice from a collection agency indicating balance due ) has caused ''. 

As a last resort, we contacted the hospital twice, on XXXX XXXX, XXXX and XXXX XXXX, XXXX using the " Contact us '' feature on their website, detailing our aggravating story and have been harassed relentlessly by debt collection agencies, and requesting that the balance on my account be corrected and reflect the accurate amount which is XXXX. Both messages were computer-acknowledged but no response whatsoever was forthcoming. 

This very stressful and protracted situation has been going on for more than three years with neither the hospital nor the various debt collectors taking any responsibility to respond and to fully correct the record. 

We would be most grateful for your assistance in correcting this matter. 

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I have had XXXX XXXX from Pendleton Capital Management contact me Monday, XX/XX/XXXX before XXXX XXXX. One call was at XXXX XXXX then again at XXXX XXXX eastern standard time. When I didn't answer he then called my parents which would have been before XXXX XXXX  central time as they are in Texas. Not only did he call them before XXXX XXXX he also released my debt information to them. I know this from the details relayed to me in a text message. When setting up payment arrangements on a previous call to these calls, Mr. XXXX failed to mention to me a {$10.00} processing fee for each payment, which I am still being charged and it is not being applied to my debt as it should be since on a recorded line I was not informed of it. When speaking with Mr. XXXX on XX/XX/XXXX I mentioned this to him and his response was " oh Yeah ''.
I live in XXXX XXXX. For years I used XXXX for sending money from XXXX XXXX XXXX XXXX My Retirement ) account, now they will not help me. We have bad phone service here, when a representative I assume call services can not hear me, they say goodbye and hang up on me because of bad connections. 

I would like to use their services. 

Thank you, XXXX XXXX
I have a loan that has been serviced by HSBC since XXXX, XXXX. I admit that there have been several times over the course of the last 14 1/2 years that I have fallen behind on my payments due to financial situations. In XXXX, XXXX I went from being self-employed to employed and my salary significantly decreased. In addition, my daughter had XXXX and I was incurring significant co-pays and deductibles. On XXXX XXXX, XXXX I contacted HSBC regarding loan modification. I faxed my paystubs and a hospital bill. On XXXX XXXX, XXXX HSBC sent me a letter offering a short sale or deed-in-lieu of foreclosure. Modification was denied because HSBC " did not received required information from a third-party ''. On XXXX XXXX, XXXX HSBC sent me the Residential Broker Price Opinion. On XXXX XXXX, XXXX HSBC wrote me and stated that a modification could not be offered because " borrower 's reason for delinquency does not demonstrate a permanent hardship. Permanent hardship includes death, terminal illness or permanent health condition of someone living in the household '' and " net Present value calculation did not satisfy lender 's guideline. '' When I contacted HSBC to discuss appeal, I was told I would have to send a money order or certified check for {$200.00} for an appraisal. 
Unfortunately, this was my second attempt at loan modification recently. In XXXX, XXXX, I contacted HSBC and due to being self-employed was required numerous times over the ensuing year to produce months of bank statements and explanations of deposits and expenditures. When I could not provide any further information for transfers of money to/from my son ( who was in college XXXX my modification request was denied. HSBC gratiously " reaged '' my loan, but my interest rate has remained at 10.5 % and I have again fallen behind. Each time, save XXXX, when I was able to make contact with someone at HSBC, thanks to an acquaintance who formerly managed an HSBC loan office, I have been denied. That time, I was given a temporary modification, which helped significantly, but was denied a permanent modification. 
I disagree that the Residential Broker Price Opinion ( `` drive by appraisal '' ) adequately assesses the fair market value of my home. I disagree that I should have to pay for a legitimate appraisal. I disagree that my decrease in income does n't represent a permanent hardship. Please contact HSBC and investigate not only this loan modification application, but the entirety of the servicing of my loan.
For 12 months I was on an automatic rate reduction payment plan with Navient. In XXXX 2016 I noticed my Navient account sent me a note of a late payment. I called them immediately was advised and assured that my account was not delinquent and with the next payment my account would be current. My XXXX payment went through and the same noticed appeared on my account. I called again, expressing my deep concerns due to working extremely hard for my credit score and that I would not want an error to appear on my credit report. The Navient representative went through my account and advised that my account was set up properly and payments were being allocated correctly. XXXX 2016 I check my credit score and fico score and saw that my score dropped XXXX points due to my Navient account reporting as XXXX delinquent!! I called Navient immediately after being transferred numerous times the final representative confirmed that the error was due to a miscalculation with the account being set up on Navient behalf. I advised that an immediately notice be sent to the credit bureau of this error. XXXX & XXXX 2016 I checked my score again with little to no difference made to my score. I called Navient again to advise that no resolution was made with my score and that this was affecting my financial future! It was then I noticed that Navient was also charging me late fees on top of this error that occurred on their behalf! My account was adjusted and was advised that another 25 days would be needed for them to do a full evaluation to my account to submit the " XXXX portion '' of the dispute to confirm that my score dropped indeed solely on their behalf. Since then I have seen no difference to my score and no next steps from Navient on a resolution on correcting their mistake. I have also placed a dispute with XXXX to also look into this.
Last XX/XX/XXXX and after 18 months had developed a perfect on-time payment history on a ( SLATE ) credit card it had moved into an extraordinarily high ( 24.9 % ) rate credit card, so I paid it off, in full with a certified cashiers check as advised by the bank and applied for another interest free card ( Freedom ) and was approved but was told to await receipt of the new card before I could do any balance transfers right away, as I was attempting to move some other debt the interest free card. After not receiving the new card for approx. 2 weeks I called in and was told my approval AND any application data was missing and was casually asked to apply yet again. I finally did so a few days later in the middle of last XX/XX/XXXX, waited for the new card which did arrive and then waited the obligatory 10 days before finally able to establish a {$3000.00} credit line and made the balance transfer of approximately {$1000.00} on XX/XX/XXXX to pay off an XXXX XXXX XXXX credit Card in anticipation of going ahead with a home loan approval where paying off that card was their Underwriter 's requirement to actually be able to proceed with the loan process. Suffice it to say that my goal was to move any debt I had left at Chase Bank onto the interest free card I had now in my wallet. Sounds simple but from there things get a bit hazy. The long and the short of it is that it took 41 days for the payoff to arrive at XXXX and by that time I and my loan approval had expired. When I asked why, an XXXX executive officer told me I had not been truthful and not actually ( as I insisted I had ) paid off that {$1000.00} balance on the XXXX card ending in XXXX. When I inquired at Chase bank as to what had happened to the balance transfer in XXXX I was told their 3rd party vendor had issued a check ( not made an ACH transfer as I had been assured it was to be that way ) and sent that check to XXXX at a XXXX XXXX XXXX in XXXX California. I called back to XXXX to ask them about that address and they had never heard of it.
I wasn't told the amount of my monthly mortgage payments until the day of settlement, before settlement I kept asking how much my monthly payments would be I wanted to be certain if I I could afford to pay. I was told that my monthly payments was what I wanted them, okay I trusted wells Fargo and XXXXXXXX XXXX that they did have my monthly payments around where I told them I could afford to pay and it was nowhere near what I had said they were in which I knew this amount {$1000.00} per month would be a struggle. This has taught me to never trust anyone when it comes to your finances because it is all about a dollar not fairness. 
On XX/XX/XXXX, I purchased a modular home land package from XXXXXXXX XXXX   in which wells Fargo was the service lender. Wells Fargo based my sole income on overtime in which months later I lost my overtime I applied for a modification for lesser monthly payments I was denied immediately. At this point my income became less than what I was paying for my home. In XX/XX/XXXX, my doctor took me out of work due to medical reasons. In XXXX, I had to resign my job because of medical reasons. As I was trying to modify my loan at that point. I understood I couldn't get a modification due to not having income. As my house has gone on the foreclosure list many times at one point we had mediation due to no income the issue wasn't resolved. In XXXX, I finally received my Social Security XXXX so therefore, I now had income but wells Fargo denied my modification. As my housing counselor was scrutinizing my loan information he informed me due to the income I was making per month that it looked like PREDATORY LENDING to him he asked a question was my gross per month {$3000.00} or more at the time of the loan process I informed him NEVER he specifically stated to me that I should have never been in this loan as he was a former Attorney. I have had to file Bankrutcy twice in order to keep my house. Wells Fargo is being deceptive as they will not let me in the door to modify my home. I am going to the extreme to expose them for the Fraudulent acts they have done and is doing and in the mean time trying to save my home. Again this is not a stick built home it is a manufactured home.
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
This public record does not belong on my credit file. I have already had the public record from XXXX XXXX XXXX XXXX reviewed and it has been removed from XXXX and XXXX credit reports. Equifax is the only agency who will not remove the file. I have called them several times and no one is willing to speak with me about it. Please review this public record just as the other credit bureaus have and you will see it does not belong on my file.
I have submitted numerous Complaints on the Servicing Mortgage Company, and notified the Bank that they claim is the Owner, and asked the Servicing Mortgage Company ( Select Portfolio Servicing , Inc. ( SPS ) to contact my Attorney, as I am under Federal Bankruptcy Protection, thus far they ( SPS ) have not done so. 

Today, I received Phone Calls and Texts from a man that identified himself as XXXX XXXX XXXX ( XXXX ) XXXX-XXXX, of XXXX XXXX XXXX, informing me that he had an Order to do something to the Property at XXXX XXXX XXXX, XXXX, Georgia XXXX, he stated that the property had a Lock box on it? I Texted him the information for XXXX XXXX XXXX @ SPS ( XXXX ) XXXX-XXXX, XXXX. XXXX, and asked him to never, ever contact me again, as the Mortgage Company took possession of that property XX/XX/2017, and the keys were surrendered, and Locks changed, the property belongs to the mortgage company. 

This seems to be an on-going pattern of harrassment by ( SPS ), and this is not a mistake.
UCB collection contacted my XXXX XXXX time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.
Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to Equifax and XXXX intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.
Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.