WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to receive a loan modification from Nationstar for over a year with the help of XXXX. A law firm that I hired that solely is committed to helping people work with Mortgage Companies to avoid foreclosure. I have been denied four different times. Each time the reason has changed. The first time my income and my mother 's income were used, we did not have enough disposable income. My son moved in with me and we used my income and his income Nationstar calculated the numbers wrong and XXXX appealed the denial. A third time the numbers were calculated wrong and another appeal by XXXX that shows we have XXXX in disposable income well over the XXXX disposable income required by Nationstar. The last denial was because the Net Present Value of my home is lower than the XXXX that is owed. My house is now in foreclosure, and the sale date is XXXX/XXXX/XXXX. 
As a XXXX I am absolutely certain a XXXX square foot home on a lot and a half in the XXXX Metro area is worth more than XXXX. The last appraisal that was done on my home was XX/XX/XXXX and the value was XXXX. Furthermore, many exciting things are happening in XXXX. XX/XX/XXXX the voters approved new infrastructure and roads throughout XXXX. XX/XX/XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX an XXXX state of the art XXXX school. And construction is underway for XXXX XXXX homes all within my District. All of these have increased the value of homes throughout XXXX, I find it very hard to believe that my home would be excluded from that increase. 
Also, I have filed a complaint with the Federal Consumer Financial Protection Bureau as well as the Colorado Attorney General. My feeling is that if Nationstar is adjusting numbers and criteria to continue to deny my modification it is not an isolated case and others are also being unfairly denied.
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and TransUnion asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Today XX/XX/XXXX at XXXX CST I was contacted by XXXX XXXX XXXX  of XXXX KS XXXX. I had received approximately XXXX calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to Advance America. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at XXXX point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee T. C.A. 28-3-109. I reside in Tennessee and only dealt with Advance America inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.
I switched cell phone companies from XXXX XXXX XXXX to XXXX. 

XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. 

This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. 

I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. 

Now I have a derogatory mark on my credit profile because of this problem.
I am in the XXXX XXXX and I had my repossessed car returned to me. I agreed to the terms of the loan being rewritten under the new interest rate of 6 %. I have added my mother to my loan to manage it. I sent the email to XXXX XXXX he confirmed that this took place. My mother has made several calls to pay my loan with no luck. I will soon have a late fee and a ding to my credit due to her not being able to make any payments. I was also told that my loan started over when the car was returned to me which did not happen. There was also extensive electrical damage done to my car in which I have forwarded some of the bills to XXXX XXXX. He said that he would call us back to settle this matter but never did. My mother called this past week and spoke to XXXX XXXX and was told Im busy right now Ill call you back which he never did. All we want to do is have this loan rewritten as agreed and make a payment. My mother is the only one who can do this until I return from training. I was also told that the repo that appears on my credit would be taken off and that has not happen either.
Repeated attempts to get us to pay for a service that was cancelled in XXXX. XXXX XXXX franchise claims they do n't have a record of the cancellation request. Their " debt collector '' will call from various numbers with different area codes frequently ( on XXXX occasion XXXX calls within XXXX minutes ).
On XX/XX/18, I've submitted a request to Experian requesting that they provide proof of the method of verification for which they used to verify the accuracy of this reporting. Clearly, the United States Bankruptcy Court, District of Maryland have verified that the Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The FCRA further states, that the credit bureaus are required by law under Section 605 and Section 603 ( f ) mandating accurate information. Therefore, it is the responsibility of the original furnishers of a debt to verify its accuracy. Section 660.2 ( b ) direct dispute means a dispute submitted directly to the a furnisher ( including a furnisher that is a debt collection ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the originial furnisher has or had with the consumer. Section 660.4 ( iv ) information derived from public records, such as judgments, bankruptcies, liens and other legal matters ( unless provided by a furnisher with an account or other relationship with the consumer )
I received a call from XXXX and let it go to voicemail, as I did not recognize the number. The prerecorded message stated that I had an issue in their pre-legal department and that I could be taken to court if I did not place a statement on file. They did not state that they were a debt collector, not did they leave my name in the message so that I could verify that the message was for me. The message stated that I should have XXXX and reference a file number, which they did not include in the message.
I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX   XXXX  - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX
This file was opened 27 weeks ago in XXXX, the online platform used to negotiate short sales. Since that time, though the file has gone to underwriting five times, the file has yet to be deemed a complete file. Nationstar appears to be reviewing single documents or single pages of documents instead of an entire file. I have persistently asked that this file be considered 'complete ' for a short sale. I have submitted files and documents for months! Time to make this a complete file.
I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, Transunion and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XXXX all the way up til XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.
This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged.

As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''.

However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans.

Because of the very shady business practices of TSI  and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.
1. All of the monthly payments that I make to Navient is applied 100 % to interest and 0 % to principal. So the loan balance amount never goes down but only increased with time. 2. I work as a XXXX XXXX XXXX for XXXX XXXX XXXX. I have been working for the past 8 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called Navient to apply for public service loan forgiveness program several times in the last 7 years and was told that I can not apply for it, because my loan is not qualifying type of loan.
3. Navient refused to answer my questions about above 2 issues. 4. No matter how many payments I make, loan balance is not going down. I have been making payments for 16 years.
This company is trying to collect a debt from the wrong person and we have informed them of this. The company is  Nation Recover Center.  Their phone number is  XXXX   XXXX   XXXX . They have been calling once or twice a day for approx 10 days. This number is now on our call block.a
This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.
I had a conventional mortgage with XXXX XXXX about six years ago, when I was challenged with keeping up with the payments due to my income decreasing. In XX/XX/XXXX, I applied for a loan modification with XXXX and they gave me the run around about how they could n't get the file finalized and approved by a XXXX modification agent. At that point I got in contact with the organization XXXX to see if they could assist with getting a loan modification for my home. Once XXXX started the process with the file for the modification, the loan was taken over by SLS ( Specialized Loan Service LLC. ). XXXX worked there magic and got me approved for a trial payment period. During this trial period, I made sure the payment was on time on the given date and continued to payments after the trail period ended. SLS never got back in contact with me stating that we meet the qualifications to get the modification approved. After this, due to drowning in debt, I was forced to file a Chapter XXXX bankruptcy, which at this point SLS choose to have no contact or doing with me until XX/XX/XXXX. This is when I started to receive numerous of letter from SLS stating that my home is in foreclosure and if I 'm interested in keeping the house to get in contact with SLS to see if I possibly could qualify for a loan modification or a forbearance. Since XX/XX/XXXX, the XXXX level has been so high I ca n't even explain it in words with this situation. I partnered up with a non profit organization to assist with the possibly of getting a loan modification with SLS in XX/XX/XXXX and I 've had nothing but the run around with SLS. Due to all the runaround SLS has given me, I now have a trustee sale this month and SLS is making every excuse in the world while my file is in underwriting that they ca n't hold off or postpone my sales date. I understand real estate and the importance of making sure that a loan file is completely done before submitting, with that being said I 've given SLS every document that has been needed for the file and all I continue to get is letters coming back stating they need more documents and I know I sent it the first time. So being cooperative i would call to confirm the exact documents SLS would need in the letter that 's been sent and I would fax the documents over the next morning, if not the same day. I would call and confirm that they received the documents the next day and some of the responses I 've received from the agents was, " Sir, it takes 48 hours to review the fax '', " Sir the fax number that an SLS agent gave to me does work anymore, you need to fax it to this number '', to " Yes sir received all documents that 's needed for your file and you should get a response within 5-7 days ''. Looking at some of the other complaints for this company on CFPB website, how is SLS still in business?? This is people 's livelihood your toying with and to have no consideration or compassion for clients situations is ridiculous. I think this need to be publicized so other people see what 's going on or even see they 're not alone on dealing with XXXX from this company. CFPB please help with this situation ASAP!!!
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX
I went to car dealer and signed a contract on the XX/XX/2018 and made the agreed payment dait of the first of every month because I am on social security told XXXX XXXX XXXX I was on XXXX so car dealer and them were aware of me being paid the first of the month the person that called me they said they dont care about my XXXX then told me pay by the XX/XX/XXXX or they take the truck but have a 3 day grace period and they said they dont care my XXXX has no barring on the contract by law I have a verble contract with the dealer so now I pay on the first only or I get you for XXXX discrimination and file on my bankruptcy, The dealer said we can sign the contract now get my insurance pay first payment on the first they said they set it that way so we can pay for the truck without any problems like XXXX XXXX XXXX putting all [ payments late have witness to the fact and verbal contracts hold up in the court of law.
Carrington Mortgage Loan # XXXX - This is the second time I have contacted you regarding Carrington 's business practices. You were successful on the first matter, thank you for that effort. I had serious financial matters earlier this year and my home went into foreclosure. I contacted Carrington and asked what I could do. We agreed that I would bring the account current. However the amount due would take XXXX5 days to pull together. I waited and was given a amount to pay to re-instate my loan. That amount was paid, and I begin to make my normal monthly payments of {$1300.00} in XXXX 2016. Since then my monthly amount due has been varying. I was informed when paying the back due amount their maybe a straggler fee coming in late. So when the first abnormal payment due I went ahead and paid it. The second time an abnormal amount was requested, 2 months after the reinstatement I called to inquire about what the charge was this time. The associate had to research it and came back and told me it was a title charge of some type, I paid that. Last night when attempting to get my 2016 tax information I noticed another additional charge, this is now going on almost 5 months since I settled and had the loan re-instated. An associatre again had to research it and came back and told me again it was a title charge of some type. I asked why I had been notified of the mysterious charges and explained what they were for, I got no explanation. I stated that this has to stop you ca n't just keep arbitrarily charging me more money with no explanation after almost 5 months. I asked why their phone system was stating my payment due was {$1300.00} and records on their on-line system were indicating {$1400.00} almost {$75.00} more than the normal payment. Charging a customer an arbitrary amount with NO explanation even after calling and speaking to them in person requesting an explanation and not getting an answer to me is below standard customer service. Practices like these open up serious possibilities for abuse.
WELLS FARGO AND XXXX XXXX LIE STEEL AND CHEET OVER 50.000 DOLLERS PAID TO THEM THEN THAY SUE XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX FOR NO RESEN AT ALL WE HAVE PROOF WE HAVE PAID THEM THAY REFUSE THE MONEY SENT MONEY BACK TO MY BANK THEN SUE US FOR NO RESEN AT ALL WE HAVE SPEEND OVER 20.000 IN ATURNS FEES THAY TRY TO PUT ME IN JAIL THAY LIE TO JUGES HEAR IN XXXX XXXX CA
My husband, XXXX and I, sent an investigation request to Equifax back in late XX/XX/XXXX. XXXX received the results of his investigation weeks ago. However, Equifax has not forwarded me my investigation results yet. They were supposed to respond within 30 days, and they have not. I am certain that they received our request, because my husband received notice of the items that were corrected on his report. Despite two follow-up letters, I still haven't received anything in the mail.
I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?
I originally contacted this company in early XX/XX/XXXX about some incorrect information on my credit report. I had a lot of inquires I did not authorized on my account. I was told to send in a letter listing the inquires I didn't authorize. Ok great, so I sent a XXXX letter to the company informing them of the inquires that weren't authorized by me. ( on or about XX/XX/XXXX ) Fast forward to today, I called transunion to ask about the status of my letter and was told the only way they will delete them is if I call all of the places, get letters from them, then file a police report for fraud, put a fraud alert on my credit and mail all of these things to them. 

This is absolutely absurd. I'm now demanding that you step in and require them to delete these unapproved inquires off of my report as I believe they are now hendering my ability to obtain credit. I'm well aware of my rights under the FCRA as well as the only reasons an inquiry should even be listed on my report. ( firm offer of credit, insurance, employment or court order ) NONE of these following inquires meet this nor have I authorized them. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX When I contacted transunion today I got information I believe to not be true and I am so upset that a company that is under law suppose to verify every piece of information is going to make the consumer out to be a liar. I was told most of those inquires only count as one. But that is false because they are reporting on my credit report as individual hard inquires. 

TRANSUNION ISNT ABOVE THE LAW.
We closed a refinance on a commercial property XXXX 2015. In XXXX, we paid the first monthly payment to XXXX XXXX, as instructed on closing documents and the mortgage statement we subsequently received in the mail. The check cleared our bank account on XXXX XXXX, 2015, which is when the payment was due. XXXX XXXX sold the loan to Midland Loan Services on or about XXXX XXXX. As of today, XXXX XXXX, 2015, XXXX XXXX has not notified Midland that this payment was received, and Midland wants to charge fraudulent late fees in the amount of {$3000.00} for a payment that was made on time.
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.
I have n't been able to see my bank account details on Citi Online for the last few months.