WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter and a phone call from " HILLCREST DAVISON & Associates '' regarding an outstanding debt from a creditor called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They said I had a security system installed in XX/XX/XXXX and I owed the company {$2500.00} and were going to report it to the credit agencies. I do not have ; nor have I had a security system installed in my home. My husband passed away in XX/XX/XXXX and I filed for Chapter XXXX due to outstanding medical bills we owed due to my husbands health. I have become XXXX and do not/nor can afford any contracts for home security installations systems. My security is a loaded Colt .45 semi-automatic handgun on the pillow on my bed. The woman who contacted me from Hillcrest Davidson had all my information including my address and social security number. I might note that my private information including my banking, credit cards and e-mail has recently been hacked which may be why this is happening. I am just now at the XXXX-year time frame from when I filed bankruptcy in XX/XX/XXXX and I received credit card offers regularly. I have also traveled XXXX for extended periods of time XXXX since the death of my husband. I have had local people house-sit here during my absence ; XXXX of which I recently had helping me do repairs. I caught him stealing from me. In fact, I have been dealing with thieves ever since to loss of my husband ( he was XXXX and had a XXXX ). I can not find my wedding band/engagement ring ; XXXX guns ; weed wackers ; tools and various other items that were stolen by people I have hired to mow my lawn ; clean my pool ; do repairs, etc. I have no idea who/how/or when the fraudulence began. I might also note that when boarding a flight to XXXX, XXXX XXXX I was the last passenger on and there was no room for my carry-ons and that of XXXX other passengers. I had to chose between my purse with all my meds ; money ; important documents or luggage that had my laptop in it. The airline checked my luggage and it was lost. My computer had all my personal information on it. I can not prove how I was compromised. I welcome anyone related to the claim of an alarm system to come to my house and look for themselves. My abscences from home were extensive i.e. XXXX weeks XXXX ( XXXX times ) staying with relatives and XXXX staying with friends ; also XXXX where my only daughter/child and grandson reside. There are A LOT of people in this county/state that have a XXXX problems. XXXX has also become wide-spread. The people who ripped me off were all XXXX ( which I found out after the fact ). I no longer trust anyone in or near my home. I am trying to build up my XXXX very high credit score and DO NOT NEED TO BE HARASSED by creditors THREATENING ME by mail and on the phone. The stress alone affects my health conditions and I can not stand to be accused of something I am not responsible from. I do have credit cards which I use and pay in full each month. I also pay all my monthly bills, including a car loan on time each month. I am very conscientious and am trying to normalize my life.
Over a year, a company called Manhattan Beach Venture , LLC a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called XXXX XXXX XXXX ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XXXX of 2016. 
I was afraid that Manhattan Beach Venture , LLC might have sold my information to this company. I asked them to provide a phone number for Manhattan Beach Venture since I have had a hard time reaching them two days after speaking to them. The number XXXX XXXX offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from Manhattan Beach about my application. I told them that I spoke with Manhattan Beach and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since XXXX XXXX got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach Manhattan Beach Venture , LLC, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XXXX I got in contact with XXXX XXXX about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
Thank you,
For over a year now I have been trying to get a refinance with Wells Fargo Home mortgage. Needless to say they played games with me. I got the State of Maine involved, and they are playing games with my representative. They do things like say they do n't have phone numbers, and both times they transposed the area code XXXX instead of XXXX saying that is why they did n't return calls. I can understand it happening to one of us but not both of us, separately? They send us forms, we fill them out and then 2 months later they say it is the wrong form, when its the form they sent us and there is no difference but the date at the bottom. It needs to be filled out again. They recently have raised my payment by {$3.00} and did n't tell me. I think they are supposed to send me a letter with the change I still dont know why. They held it and did n't apply it to the loan, this affects my credit adversely. They transposed my social security number on my loan causing more issues. I fax them paperwork and they lose it. My proponent from the State of Maine is very disgusted with them and has great notes. He has filed another complaint with another organization on my behalf. Its really bad. Currently I am employed by a private college, they have their way of doing things. the YTD earnings is not on my paystub. Wells fargo is being very difficult regarding this. I am NOT going to be able to change the entire university 's pay system to accommodate Wells fargo. I did get the the information in another document and I provided the phone number to the accounting department. Numerously I have submitted paperwork, and they come back wanting paperwork to prove the same thing I just sent them. For example, they asked me for a letter stating that I live on the property, I wrote the letter dated and signed it. I will bet they will reply saying they want more information on this in order to stall. The will only take submissions via Fax, EVERYTHING is very difficult. I get very emotional because this is my home I have raised my children in and where my husband died. They know I have equity and they want me to lose it so they get my equity. This complaint is for a refinance, handling of my payments and hardship refinance. this is the most frustrating process I have ever been through. I am XXXX my husband was in the XXXX.
I have had an account with XXXX XXXX that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to XXXX XXXX I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Today, XXXX XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a XXXX day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.
I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XX/XX/XXXXXX/XX/XXXXAcct # XXXX 2 ) XX/XX/XXXX Acct # XXXX 3 ) XX/XX/XXXXXXXX Acct # XXXX
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XXXX XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, MD. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well. 

Please see below for certified mail details Tracking Number : XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XXXX XXXX, XXXX at XXXX XXXX. It is on its way to XXXX, VA XXXX. 
XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX  Accepted at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX Pre-Shipment Info Sent to USPS, USPS Awaiting Item
On XXXX XXXX, I made an online deposit for a {$200.00} check. I mailed the check on XXXX XXXX to make sure it was received within the 7 day requirement. On XXXX XXXX, I discovered that the online deposit had been reversed by nfcu on XXXX XXXX without explanation and without notifying me. This is the SECOND time this year nfcu has stolen my money and I want it back immediately. They now have my check and I do n't have my money. THIS IS COMPLETELY UNACCEPTABLE!!! They are supposed to be protecting my money, not stealing it. CUSTOMER SERVICE XXXX!!!!
In XX/XX/2018 I entered into a mortgage contract with XXXX, they are located in XXXX, PA. On XX/XX/2018, XXXX sold my mortgage to XXXX XXXX XXXX XXXX XXXX  . I was not informed of the sale until the end of XX/XX/2018. My XX/XX/XXXX mortgage payment of {$260.00} was already on it's way to XXXX by the time I received notification that Shellpoint was the new mortgage servicing company. XXXX received and kept the {$260.00} instead of giving it to Shellpoint. Shellpoint has called me constantly about the XX/XX/XXXX payment. I have provided Shellpoint with solid proof that I made the payment to XXXX  who received and kept the payment. I called XXXX and asked them why they didn't send the payment to Shellpoint and I was told it was being processed and would be sent to the appropriate people soon. At this time Shellpoint is now harassing me for the payment that XXXX stole from them. My name and phone number has be placed in their robotic debt collection system. 

I have explained to every person at Shellpoint who calls me that I am not delinquent in my payments and that proof has been provided that the XX/XX/XXXX payment of {$260.00} was sent to and kept by XXXX. 


I should not be harassed for a theft committed by someone else. Shellpoint should call XXXX not me.
I was applying for a loan 1 year ago and found that XXXX XXXX had put me in collections for an account that I did not know existed. I dropped out of the school early in the semester. I called XXXX XXXX and let them know that they XXXX had reported the same account 2 times and they confirmed that there was only 1 account and set me up on a repayment plan of {$50.00} a month. I called Equifax to dispute the duplicate reporting with dispute # XXXX and never got a response back. 1 year later the duplicate reporting is still on my credit report. the correct account balance is {$1500.00} and being paid, their is another reporting of the same account with {$2000.00} that should have been deleted from the report over 1 year ago when I first disputed it. I have put in a new dispute with Equifax online the new # XXXX and I have attached the proof of payment on the account. If this does not get fixed asap this will cause me inconvenience in purchasing a home.
I attended XXXX University XXXX in XXXX XXXX. 
I have discharged the alleged debt/loan according to Public Law 73-10, Article 6, and Article 1 Section 10 of the United States Republic Constitution. XXXX/Navient still says I owe. I have no money to pay and no job to receive any money from. SallieMae/Navient are now in default because they Acquiesced for failure respond when I asked them to prove the debt- over a three year span. A debt tendered and refused is a debt paid. XXXX took my signature- promissory note and tried to create a legal Security out of it, but they were n't able to perfect the lien due to fraud against me. I was unaware of this fraud, they bundled my promissory note with other alleged borrowers, they created a trust and did n't fully securitize it by selling it on the open market. They have been harassing me over three years over a debt I do not owe and will not prove that I owe. The Accuser/corporate agent/public servants EIN # XXXX, Commission File Number XXXX-XXXX/Navient harassed me at my job, my cell and home. Proof of fraud attached. I did everything & stayed in honor ; XXXX/Navient Agent ( s ) rejected every attempt to clear this up. My alleged debt/loan has been discharged since 2013. Please everyone, before you sign on the dotted line with XXXX XXXX/Navient, buyers beware. My forensic audit, certified auditor 's report reveals no registration or license to operate in XXXX, I am depressed and ca n't get to sleep at most nights. Chain of Transfer of Receivables : Student Loan borrower an Undisclosed Third Party- Notwithstanding the terms within any purported Student Loan borrower Agreement ( s ), it appears that the Student Loan borrower is an undisclosed third party to the foregoing investment Trust in a quasi-contractual arrangement by way of the aforementioned statements made in the Prospectus. Moreover, the Student Loan borrower may have an adverse claim to any proceeds made by the Trust from the unauthorized use of the Student Loan borrower Receivables, as the Trust may be liable for certain violations of consumer protection laws that apply to the Receivables, either as assignee from the Depositor ( s ) with respect to obligations arising before transfer of the Receivables to the Trust or as the party directly responsible for obligations arising after the transfer. In addition, an Account holder ( Student Loan borrower ) may be entitled to assert such violations by way of set-off against the obligation to pay the amount of receivables owing. ( See UCC 8-102 ( a ) ( 1 ), 8-102 ( a ) ( 9 ), 8-105, and 8-302 ( 2 ) ) ; Lack of Capacity -The XXXX XXXX search results confirmed that XXXX XXXX XXXX , XXXX XXXX , XXXX , XXXX XXXX. Lack of Capacity-The XXXX XXXX search results confirmed that XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX lack the required registration and licenses to conduct business in the state of XXXX. Without the proper registration with the Secretary of State, the foregoing entities would be barred from instituting any forthcoming legal proceedings against the subject Student Loan borrower.
Creditor continues to remove and reinsert this debt without sending me a written notification of my right to dispute this debt as required by law.
ISSUE 1 : XXXX XXXX, 2017 XXXX XXXX UTC -- XXXX LTC ( Litecoin ) was sold from my account for XXXX BTC with a fee of XXXX BTC. At that time the rate for BTC/LTC was about XXXX BTC/LTC. This is currently worth over {$10000.00} USD. ISSUE 2 : It has been nearly 1 week after this incident. I can not access ANY of my funds in XXXX since the above time. Furthermore, Coinbase is having a week-long " minor outage '' affecting everyone. ISSUE 3 : Customer service? There is none. They do not respond and I can not speak with a person.
The 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX, XXXX XXXX
In the past, i have submitted complaints about green Tree loan servicing company. I tried and tried to get a loan modification with them, spent hours faxing/ certify mail documents to them. I was promised by the original lender, XXXX XXXX XXXX, that they would be able to and happy to mocidy my loan, as i met all the requirements. 
then they sent me to Green tree. ... .and they illegally denied me a loan modification. the CFPB cracked down on them, and ordered them to pay XXXX dollars to people like me. 
i called the settlement administrator yesterday, and, to my dismay, a rep there looked and looked at my name and adresses and said.. I am NOT ON THE LIST to get compensated?? ... ... please explain. -- -- - i got a letter just recently from the now " DIETECH '' I hadnt heard a thing in months and months. their letter stated that I was not eligible for a HAMP loan modification because that is for people who got their loans ( bought their house ), before XX/XX/XXXX. the letter stated that my loan was " ORIGINATED '' XX/XX/XXXX, and therefore not eligible. 
This is incorrect and DIETECH may be able to fool most people with this letter ... but I have been a realtor for over 20 years so I know more than the average joe. 
I bought the house XX/XX/XXXX. this is the house I needed to have the loan modified. 
i put XXXX dollars down on a XXXX dollar house. the loan was done by XXXX XXXX XXXX. I was paying everything and working and all was fine until I became XXXX and unable to work. I was contacted by a XXXX XXXX XXXX loan agent that I was thinking to refer buyers to, and he coerced/ convinced me to do a REFINANCE on the original note, XX/XX/XXXX. 
the bottom line is that i was, and the property was, eligible for HAMP loan modification. 
the refinance was merely aan alteration on the ORIGIBAL NOTE for the property, signed, dated, bought by myself XX/XX/XXXX. this is within the " before XX/XX/XXXX '' guideline. the Hamp program was designed for people who bought during the " peak of the market '' .. and now had upside down mortgages. my home, that I bought in XXXX WAS upside down by the time you figure i had a first, and a second mortgage. 
i beleive that Green tree, now merged with DIETECH ... has written their reason for not giving me a hamp loan to the CFPB ... .... and perhaps thats why the CFPB thinks that I am not a " victim '' : and i am not on the list to get a little compensation from this Nightmare that Green tree/ dietech has caused. .... the CFPB thinks i bought the house XX/XX/XXXX??. 
as i said, the original note for the house was XX/XX/XXXX. the refinance that i did at XXXX XXXX insistance, was A modification or an altered note to the ORIGINAL NOTE ssigned by ne as promis to pay XXXX XXXX XXXX , XX/XX/XXXX. i should have been given the HAMP loan modification. its really too bad that some banks let people defer their payments for 6-8 monthsm shaved XXXX dollars off the principle, etc ... and i had to lose my home. i really miss that home and that town so much.
Last month they called my work when they were previously told not to contact my work friends or family. I told them I would file last month but I decided to give them another shot. But this month ... .They called my parents when it was two weeks late! They had not exhausted all means to contact me. They could have mailed a reminder if they were unable to get me by phone. Instead they harrassed and violated my rights for personal information.
In reference to complaint submitted #  XXXX  the SLS company response does not address the issues of previous complaints. We do not understand this response.   The company refers  to two earl ier written communications but did not provide the copies of them.
Carrington Mortgage Services {$120000.00} Opened XX/XX/XXXX Closed ( paid off ) XX/XX/XXXX This was paid in full, however is still showing " open '' on my report. I contacted Carrington and was told that they had already reported it as " closed ''. I have received all paperwork stating the payoff, returned balances of escrow accounts in form of checks, etc.
I have no liability with XXXX due to an asset amount of over XXXX XXXX with XXXX. My credit file should be empty. The last authorized inquiry was on XXXX-2017 with XXXX XXXX. A recent unauthorized inquiry was with XXXX on XXXX-2017 for a vehicle that was purchased with my business account information without my consent. Please investigate. Student loans have been advanced by XXXX XXXX and XXXX XXXX.