WillisBack/dataset-financial-user-claim huggingface dataset:
I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
I paid the debt and submitted a dispute with the credit bureaus. I was told by the collection company that by submitting the dispute, they would have to re-open the debt. The reported the debt unpaid AFTER i paid it. This was XXXX. I reported them to cfpb and they immediately updated my credit file in all three bureaus to paid, this was in XX/XX/XXXX. Today, i checked my XXXX credit report and the balance was again {$310.00}!! This is pure retaliatory. They should be punished
I purchased a home owners warranty in XXXX 2015 when I bought my home. I had a plumbing issue, a plumber from the warranty company came out and the man was so rude to my wife and inappropriate and kept telling her why he could not fix the problem my wife asked him to leave the home. he slammed the storm door in her face. She called the warranty company as well as the plumbing company and complained. We hired our own plumber to come in and repair the issue ( bill attached ) which we paid. XXXX XXXX still sent me a bill for the plumber they sent who was asked to leave. Every time they sent the bill I sent it back with an explanation. Now it has been referred to a collections company.
I have multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX - XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!! 
The other account reporting inaccurate is XXXX XXXX XXXX XXXX This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!! 
The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed from my credit report
MY MOTHER PAST AWAY  XXXX / XXXX / XXXX  FROM THAT DATE UNTIL  XXXX / XXXX / XXXX   DITECH  HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN  XXXX  THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON  XXXX / XXXX / XXXX  I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON  XXXX / XXXX / XXXX  THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO  US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN  XXXX  FOR DOING THE SAME THING.
SO I got hit with an inquiry from SYNCB National Credit Cards/Airlines,  and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX tells you to contact Synchrony ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.
- On XX/XX/XXXX, I submitted my monthly mortgage payment through SLS 's website. The payment amount requested was {$75.00} more than usual. The site included no explanation for the extra charge. To avoid adverse action, I paid the amount requested. - On XX/XX/XXXX XXXX XXXX., I called SLS 's customer service line ( XXXX ) to request more information about the fee. I was told only that it was an attorney fee, and the representative was unable to provide any further information. I informed the representative that I was disputing the charge and asked that, if it was valid, that they provide the relevant portion of the mortgage contract authorizing the charge. I was told to e-mail a dispute to XXXX, which I did at XXXX XXXX the same day. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed that they had not received it. This time, I was asked to send my dispute to XXXX, which I did at XXXX XXXX. The representative expressed confusion that she was still not seeing the e-mail and said she would call me back in approximately 20 minutes. She never did. - On XX/XX/XXXX XXXX XXXX., I called again to check on the status of my dispute. I was informed for the first time that they did not consider e-mails an official written dispute and was asked to fax a request to XXXX. After further review, however, the representative informed me that the charge had been transferred over from my previous mortgage provider and that I would have to pursue the matter with them.
Apparently on XXXX XXXX Rushcard upgraded to a new software system. Since that time my card no longer works. My deposit that was sent last week still has not been posted to the card. You ca n't reach customer service you wait on hold for over XXXX hours and then they hang up on you. My balance keeps going down even though I have been unable to use card and my {$400.00} direct deposit still has not been posted. I 've called, emailed tried XXXX everything you can think of and no response. The one time that I did get through I was told they were working on the problem and they had no further answers. I asked to speak to a supervisor they put me on hold for another XXXX hours then hung up on me. I just want my money along with everyone else that I am sure you have heard from!
I was part of the Equifax leak of sensitive, personal financial information. 

Confirmed by using https : //www.equifaxsecurity2017.comXXXX on X/X/2017.
I applied for income driven repayment on XX/XX/2018. They responded and said, " We received your IDR request on XX/XX/2018. We will review your request and send a follow up email by XX/XX/2018. This email will detail next steps and any additional actions needed. '' I also applied for forbearance at the time because I could not afford to pay $ 2500+ each month. Although the person I spoke with said she could postpone the payment. They did not and since I had automatic payments they took this out of my account. 

It is now XX/XX/2018, and although I have spoken to them several time about whether this has been completed, they still have not sent me any documentation concerning the loan. They have told me on the phone what my payment will be, as well as what the interim payment is, but I still have not received anything in writing. 

I would like to have XXXX XXXX finish this process and quit dragging it out. I need documentation of what the next step is.
STELLAR RECOVERY INC ; has not posted a debt for XXXX $ as a new collection item to my credit report three times on : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I called to inquire why they are submitting as new collection items each time having to figure out what the XXXX $ was on my own as I did not receive any form of communication from Stellar Recovery in any shape of written, phone or electronic. They were exceedingly verbally abusive and was transferred to an auto voice giving me an email to write to them about my " concern. '' I called a second time and finally talked to someone who only said they will look into this but it is their policy to report at least once a week, in essence resetting the collection date to re-age the account and force the person to pay to avoid more credit damages.
My name is XXXX XXXX. I used to be XXXX XXXX. This was my married name. It shows on my report that XXXX XXXX is a name I used which is incorrect. It also shows I have worked at XXXX XXXX XXXX. Which is incorrect. My ex husband worked there. I have never had my name or social security number or co- signed anything with him. If this is my personal credit information why does his name and where he worked appear on my XXXX score. And also I have filed bankruptcy chapter XXXX and I did not put my auto loan on it. I am paying XXXX once a month in the amount of XXXX and I am up to date. It shows on my report account closed. Please help me resolve these issues.
Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. 
XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped.
In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and one of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw Pinnacle Credit Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact XXXX XXXX XXXX because they handle all of their debt collections. I faxed a copy of my credit report to XXXX and they did not clarify if this debt collection will be removed from my credit report.
Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..
On XXXX/XXXX/16 at XXXX XXXX I received a call from XXXX at spot loan indicating my payment on XXXX XXXX 2016 had not cleared. I thought that this was a prank as I have been so sick with XXXX and had not received anything from the bank. went to the website and found out that XXXX was correct. I scheduled a payment for XXXX XXXX that did clear the bank. when I 'm speaking with him on that day I indicated that my pay period had changed and that next pay period will be XXXX XXXX and they would not to take out anything before then because I did not get paid until XXXX XXXX. he indicated that once that payment on XX/XX/XXXX he would call me back and get it arranged to have the the pay date as XXXX XXXX and then every two weeks. not hear anything from him and on XXXX XXXX upon checking my bank balance at lunch I noticed that they had already taken out another payment without my consent. Called back to spot loan immediately and they indicated that the supervisor would have to check the phone records of the recordings and come to a decision and and call me later. I did receive a call from XXXX the supervisor at XXXX p.m. she indicated I was correct that I had clearly stated that the next pay period was XXXX XXXX and that she would be refunding the money or I could leave the payment there and then I would n't have to make another payment until XXXX XXXX. indicated that this is going to overdraft my account for my rent check ( which it did and I was charged {$32.00} ) and that I needed the money put back in on Thursday. she indicated it was too late to get that done for Thursday but she would get it put back in on Friday. Friday no money being returned. Saturday at XXXX XXXX. I called and I talked to XXXX she indicated that there was no notes in the system from when XXXX to me. I said I did n't believe that but she said that they were n't going to do anything until they talk to XXXX. I said that if the money was not put back in my account that I was going to contact the XXXX and the Attorney general. She returned call back to me at XXXX XXXX. indicating that she wanted me to go to the bank and get the statement showing that the payment has cleared and they would put the money back into my account ASAP. went to the bank called her at XXXX after the bank had faxed the documentation showing that the payment had cleared I spoke to XXXX. XXXX indicated that he would send an email to XXXX so she would know that the fax had come through. did not hear anything all day and called back at XXXX p.m. again spoke to XXXX. XXXX indicated that he had spoken to XXXX and she indicated she had received the fax and XXXX indicated that they would review the facts and make a decision and v money would be in my account on Monday. still have not received any money back into my account and no communication from the company what so ever.
On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau TransUnion, XXXX, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.
We have a mortgage with Wells Fargo. I lost my job on XX/XX/2016. We felt we could continue to meet our obligations for a short period. We felt we would need some help in the near future and filed a request with Wells for forbearance or an adjustment. We where denied even though our net income would not meet future obligations. After six ( 6 ) months of unemployment, I obtained a part-time position. At that time we asked Wells to reduce our rate to current rates ( approximately 3.5 % at the time ) and reduce the amount of the loan to the current balance so that we would be able to meet the obligation. Wells denied that request based on us not missing any payments and stated that they would have made an adjustment if we had been in default. They also suggested we sell our residence. During the process Wells paid our annual property tax without approval from us. Our original loan did not include a tax and insurance payment. We are in the process of refinancing with another company. Since Wells paid our taxes AND we agreed to future payments including property tax and insurance, Wells actual raised our mortgage payment by more than {$1000.00}. If we would have went for a refinance originally, we would have had a rate around 3.5 % and been able to take our XX/XX/2016 annual tax deduction. With Wells illegally paying our taxes and forcing us to wait to refinance at around 4.25 %, they will cost us ten 's of thousands of dollars over the lifetime of the loan.
A bank levy was placed against me in the amount of XXXX. Apparently, midlund funding won a lawsuit against me in XXXX. I did n't even know the lawsuit was happening, due to never being served. ( They served an address I Never lived at ). The original debt is in XXXX XXXX and 14 years old. I  live in XXXX, and am unsure as to the company I owe the money, and the amount they took out of my bank account can not be proven. This company is breaking the law, and getting away with it, and it 's not right! They have ruined my plans, and now I 'm stuck filing papers with the court in XXXX XXXX  and I 'm still missing XXXX. They have legally stolen from me!
We had broken pipe in the XXXX floor bathroom, while away on vacation for 2 weeks. There was mold when we came back on XXXX XXXX 2015.We did not wait for insurance claim check and hired and paid in full licensed mold remediation company. The job was completed on XXXX XXXX 2015. Nationstar Mortgage received our endorsed claim check for mold remediation on XXXX XXXX 2015. It is a nightmare ever since. For the past 2 months I called to loss department XXXX times, every time they ask the same information over and over.After I sent to them Documents numerous time ( they can not read the signature, they do not see XXXX balance on contract, they lost my contract all together and can not find it XXXX they would say it will take 5 business days for resolution department to review my claim. The next time I call we would start again from square one with an other representative, who would start reading notes, etc. It seems nobody can do their job in Loss Drafts Department. They hold my claim check for Mold Remediation for 2 months. Every time I call they come up with something new. Today Rep by name XXXX XXXX read the notes again, and told me someone will call me back in 2 business days.
In 2016 I filed numerous disputes with XXXX XXXX XXXX, Santander consumer USA, and XXXX XXXXXXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.
I am one of the owners of a house in foreclosure located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I am a homemaker and wife of a XXXX Veteran who abandoned the property and thus left me with no means by which to sell off the house. The house went into foreclosure and I moved into my mothers home with my children. The mortgage company Ocwen has pursued me because my husband did not have an address of contact until the past year. Despite attempts to have them seek him out, since the mortgage is a VA Loan and he would be able to make arrangements through the VA to put the house up for sale or refinance at a lower rate to make payments, they still today call my mothers home phone number day and night, weekends and otherwise. We have even been disrupted during our sacred holidays. They have harrassed myself, my family and my neighbors. Just when you think that it was finally over, today in my mothers driveway lay mortgage paperwork, uncovered and opened with all of mine and my husbands personal information for anyone on the street to see : our ss # 's, dates of birth, etc. Who does that? Why wo n't they send my husband notification to go through the VA? XXXX XXXX XXXX resides at XXXX Twisted XXXX XXXX, XXXX, North Carolina, XXXX. The attorney firm that did this is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX : XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Fax # XXXX File # XXXX, for Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX I would ask the FTC to please intercede on my behalf and ask these people to stop the harrassment, I am a homemaker, with no income, my husband is retired and receives a pension from the military, and homeland security. They should be seeking him out to look for closure to this foreclosure as this is a VA matter, and I can not intercede and do anything to rectify this situation, and yet time and again, they turn a blind eye and refuse to look any further then myself living at my mothers residence, How dare they share my personal information with on my mothers driveway at her property address with her neighbors, strangers and passerbys!
OnXX/XX/2019I called the lender to inquire about a miscellaneous charge for {$21.00} on my XX/XX/2019 statement. The due date is on the XXXX. I pay extra towards principal every month. The company does not offer a grace period. Payments not received on the XXXX are assessed a late fee that approximates the fee in question. 

I made 2 payments that were reported on the statement in question. First payment for {$250.00} was received by the lender on XX/XX/2019. Second payment for {$240.00} posted on XX/XX/2019. On XX/XX/2019 there is a miscellaneous charge that the lender could not justify. Said they will request an audit and it will take 4 business days. 

I am current on my bill and have been for the majority of the time that I've had this account. My payment is {$420.00} and I pay at least {$500.00} per month. 

This company is a predator and were I not diligent about reviewing my bills, they would have gotten away with assessing this charge against a customer who pays as agreed.