WillisBack/dataset-financial-user-claim huggingface dataset:
This company, Second Round LP, which I hold no contract with nor have received any goods or services from, reported two collection accounts against my social security number in the amounts of {$2100.00} and {$1300.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification and validation of the alleged debts on X/X/2017, however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services and they have not provided adequate proof of any obligations to pay the alleged debts. <P/>Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services.
Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in  XXXX    XXXX  . Complaint #  XXXX  has stated that   XXXX   was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United St ates Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court representative. I asked him, " How is it that  XXXX  or a  Third Party  able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.     I then decided to contacted the Bankrupt cy Court and they informed me that they do not provide anyone with a debtors full social security number, an d they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
My mortgage is held with Umpqua Bank. Formerly, Sterling Bank. Since the time Umpqua took over all Sterling clients and loans, my mortgage payments have been messed up. In XXXX 2015, as I normally do, I mailed my mortgage payment, it was cashed by Umpqua Bank on XXXX/XXXX/15, ( proof of the payment is available and was sent to Umpqua Bank ). Then in the beginning of XXXX I received a call and mail from Umpqua Bank stating my mortgage was XXXX days behind and they sent me loss mitigation paperwork. Not knowing if they were accurate, I authorized XXXX immediate payments. I then went home to research whether or not I made my XXXX payment and found out by my records and my XXXX XXXX that not only was my payment made, it was cashed. I immediately phoned Umpqua Bank back, they asked me to fax a copy of the check, which I did on XXXX XXXX and they would get back with me. By Monday XXXX XXXX, no one had called, so I called again. I was told redirected to XXXX different people, I was told they were working on figuring out the issue and because I was a former Sterling customer, they would take up to XXXX additional days to resolve. To date, I have made a total of XXXX payments since XXXX, they have no resolution and they have derogatorily affected my excellent credit. I was told this was happening to many Sterling customers and there was nothing they could do. I provided proof and have NEVER missed a mortgage payment. I believe they have violated numerous laws and I feel as if NO ONE is protecting us from this bank. I would like to have this entity step in and resolve these issues, get refunds for me and other borrowers affected as well as correct our credit reporting. I do believe if I do n't get resolution, I will hire an attorney. Fair Credit Reporting Violations, Misappropriation of customer funds and an inability to have accurate accounting of my mortgage payment and reserve account are all things that I have been advised are part of the Consumer Protection, are n't they?? 
PLEASE ADVISE WHAT THE NEXT STEPS ARE AND WHAT WILL BE DONE FOR RESOLUTION.
My income was cut in half, so I was struggling to make my mortgage payment. I contacted CitiMortgage and started the process to get a modification so my payment would be lower. I complied with everything they asked in a very timely manner, although the paperwork was very oppressive and time consuming. I was told XX/XX/XXXX, that the modification was approved and all I needed to do was keep making the modified payments. Three months later, they sent a letter accusing me of not making payments and threatening me with default. I have been fighting them ever since. I have made countless trips to my bank to get copies of cancelled checks to CitiMortgage, to prove over and over that I have made payments that they accuse me of not making. Although I have complied with them on every ridiculous request, they have cancelled my modification and they are demanding over {$3000.00} by XX/XX/XXXX or they will start foreclosure proceedings. They say I can reapply for a modification, but I fear going through the same thing over again. The stress of fearing losing my home is horrible. From the date of purchase until now, I have never even been late on a payment, and my bank records prove that.
I started the mortgage process with a company called AmeriSave. They use a company called XXXX XXXX to contract out the appraisal services. AmeriSave charged and collected {$430.00} of my money for the appraisal services. 

AmeriSave Mortgage did not disclose to me that they are affiliated with XXXX and so I thought I would be getting an " independent '' 3rd party for appraisal services. If there is an affiliation, then there may not be independence during the appraisal process. When the appraisal came in, it was roughly $ 25K lower than 3 other appraisals that 3 separate mortgage companies had done on the home. One of the appraisers even used the words " grossly understated '' when looking at the appraisal done by the company XXXX XXXX used ( See appraisal attached ) AmeriSave then cancelled my loan and so I was out the {$430.00} that I paid for the appraisal during the beginning stages of the loan process As a result, I was not able to do the refinance due to lack of equity in the home and am out the {$430.00} that I already paid out of pocket. 

I feel like I was " dupped '' by AmeriSave not disclosing that they were affiliated with XXXX XXXX and I was under the impression that I was getting an independent appraisal. This has happened in the past with these 2 companies ( See link below ) : http : XXXX I would at min. like my {$430.00} back, however feel that these 2 companies are doing similar actions to other home owners!
I have called Transunion several times and sent letters concerning unauthorized inquires and inaccurate accounts on my credit report.
We were near the end of an insurance claim with our previous mortgage company when our mortgage was transferred to Rushmore. When we finally had the additional documents and estimates ready, we sent the checks and all supporting documentation to Rushmore.     After weeks of emailing and calling trying to reach the loss drafts department, we got the init ial 1/3 pay ments processed to the contractors that we needed to do the work. The work was completed ov er 2 we eks ago, and we have requested the inspections and payments processed for the completed work.     After sending emails and calling leav ing Voice Mai l for our Loss Drafts contact, i have received no response from  Rushmore.  Furthermore, the contractors have been calling me for updates on payments. I was provided a " direct number '' to our loss drafts contact by customer service which we used several times to leave voicemail for our contact. That number has stopped working, and now they are telling us that " there is no direct number '' and they " ca n't transfer my call '' - which is contrary to information in complaints on this website.     In addition to the lack of communication from Rushmore 's loss draft department, they also neglected to inform us that our payment had increased to " cover escrow shortage '' and if we had not been calling them almost daily, i would have made my first late mortgage payment in nearly 20 years of homeownership.     This claim has already been going on since  XXXX  of  2016 due t o delay in the insurance settlement process, and these delays have already caused several thousand dollars of additional damage to the property. Rushmore 's claim that " their policy and procedure is for my protection '' is completely false as their delay is preventing repair of the property, risking additional damage, and, if our contractors are not paid from the insurance settlement that Rushmore is in control of soon, financial hardship for my family if we are forced to settle these accounts with our own funds.
on XX/XX/2016 FHA borrows XXXX XXXX XXXX and XXXX XXXX XXXX closed FHA loan to buy property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. 
XXXX, represented buyer in purchasing the residentail property, recieved {$6600.00} commission check on closing. 
on XX/XX/2016 XXXX and XXXX, XXXX XXXX entered into settlement agreement with settlement payment that XXXX XXXX shall pay to the XXXX the amount of {$3300.00} ''Settlement Payment. In consideration of the mutual covenants, promises and releases in this Agreement, upon receipt by XXXX of copy of this Agreement signed by XXXX, XXXX shall pay the the amount of {$3300.00}. '' " Release by XXXX In consideration of the terms, conditions and mutual releases contained in this agreement and the settlement payments, the XXXX, fully release and forever discharge XXXX, againt any and all liabilities, claims, administrative complaints, cause of action and suits that XXXX have or may have againt XXXX '' Such settlement is FRAUD AND PROHIBITED BY RESPA AND SUBJECT TO CRIMINAL PENALTIES. 
RESPA prohibits a person from giving or accepting any part of charge for services that are not performed. Section 8 of RESPA PROHIBITS anyone from giving or accepting a fee, kickbacks in involving a federally related mortgage loan. Kick-backs, unearned fee are subject to criminal and civil penalties. 

THE FACTS : During transaction to purchase property at XXXX XXXX XXXX XXXX, XXXX XXXX, GA, No complaint/claims been filed in Georgia Real Estate Commission by XXXX. 
No complaints/claims been filed in XXXX XXXX by XXXX. 
No complaints/claims been filed in XXXX by XXXX. 
No investigation have been conducted in regards of claims, demands, administrative complaints, suits during real estate transaction. No parties been involved. No one been aware of claims/complants/law suits brought up by FHA borrow XXXX. 
Lender wells-fargo Lender have NOT been aware of settlement payments to FHA borrow XXXX. Wells Fargo lender was originating the loan : XXXX XXXX and XXXX XXXX Closing attorney XXXX and XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 
Listing brokerage XXXX XXXX XXXX XXXX, agent XXXX XXXX have NOT been aware of settlement payment to FHA borrow XXXX. 

''settlement agreement and release of claims '' signed by XXXX XXXX and XXXX XXXX XXXX FRAUD. Violate Federal and State law, such as RESPA section 8 kickbacks, fee-splitting, unearned fees. 
Threfore, XXXX XXXX broker at XXXX and XXXX are subject to criminal penalties of {$10000.00} and XXXX up to one year. 

FHA borrows XXXX XXXX and XXXX XXXX and broker XXXX XXXX shall be XXXX for up to 1 year and pay fee of {$10000.00} each.
I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose.
I refinanced my home through XXXX XXXX XXXX XXXX in XXXX 2016 and it was immediately bought by Freedom Mortgage. Freedom Mortgage then failed to pay my supplemental property tax bill from my escrow account that was due on XXXX/XXXX/2016. When I contacted them to notify them of the missed tax payment and penalty assessment, they said to email them the documents and they would take care of it. They immediately paid the tax bill, but also paid the tax penalty from my escrow account. 

When I called to complain that the tax penalty was due to their failure to timely pay the tax from my escrow account, they said they were not responsible for the supplemental tax payment but made it for me as a courtesy. The supplemental tax bill was issued months before I refinanced by home and prior to Freedom Mortgage purchasing my loan. In short, Freedom Mortgage bought my loan, failed to pay my property taxes on time, and then said I was responsible for the tax penalty for their failure to pay my property taxes on time.
In the dispute of the day XXXX/XXXX/XXXX hereby request the validation of this account, but after 18 days I have not received any document at the address reflected here, any information you send me, not my signature show make me responsible, accepting the terms and conditions thereof, is invalid, if they need a request for physical validation, sent them without objection, you can not blame an individual for a debt would supposedly test information format printing, without the existence of my signature, the law is accurate, unverifiable or inaccurate accounts they have to be removed, it is my right under the FDCPA 15 USC XX/XX/XXXXg sec 809 ( b ) FCRA Fair credit reporting Act 1 Show me that license numbers are registered and agent 2 Explain and show you how calculated me what you say i owe 3 Any contract or document signed by me to make me responsible for this debt. after XXXX i can receive XXXX dollars for defamation of character in lawsuit, i request a letter of consent where it is manifest that will not be sold to another collection agency and be closed systems in their correspondence should with return receipt be sent to verify that i have received correctly
I sent a validation letter to XXXX asking for validation that I have a sign contract with them. They have yet to provide me the necessary information. I have attached the information that was sent to me. I show no contracts with XXXX XXXX or Resurgent Capital Services. I  have never heard of them.
XXXX IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX. AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
I received a letter from Ally after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with GMAC/ALLY AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the Ally is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX. 
On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?
Every month when my payment is due I'm locked out of my account and get transferred to numerous places and countries trying to get access. They never gave me my store card so I have no idea what the number is. This is now the 4th month, 3rd since escalating to the " executive department '' that this has happened. I still do not have any idea what the card number is and can not get access to my account. I'm not XXXX I write down the login and passcode and it works right up til a day or so before the bill is due. It is my belief that they are doing this intentionally. They promised to waive the late fees on this and didn't and none of the issues have yet to be resolved. I ask to speak with managers and they tell me Wells Fargo doesn't have any. Please help.
I run a XXXX and we have had multiple issues with suntrust bank. Our XXXX as a result of its intrinsic natural does nothing operate even keel through out each month. We will have a $ XXXX check one day and a XXXX check another. Over 13 times suntrust bank holds a check from one of our customers for up to 7 to 10 days while this is understood to be part of the antiquated bank regulations from XX/XX/XXXX. It is devastating to our small business. A XXXX dollar check was deposited on Wednesday XX/XX/XXXX. We where told that the bank put a hold on it on Friday XX/XX/2016. And told that we could pick up the money Wednesday morning XX/XX/2016. I went this morning the XXXX of XXXX to pick up our money and it was still not available. I checked with the customer to see if the money was removed from her account and it was on Friday XX/XX/XXXX. I was also told that they would not give me cash they would only give me a certified check. Which will but put on hold as soon as I put open a new account. I also no longer trust Suntrust to produce a note of legal tender. I do n't trust that they actually have the money. This puts undo XXXX and my family as this is our only income. This XXXX is the key to open up almost XXXX in material and work for our company. We have missed some opportunities that would have allowed our business to make even more money than that in these past 7 days. My belief is that suntrust and possibly other banks removes the money for the payee 's account, uses this money to collect interest and make more money stating the banking regulations as the reason. Then clears the money verifies the check and then that money goes to the receivers account. Once there it stays on hold while that bank uses that money to make money before allowing it to show up in the account. In my mind and in my belief that is laundering. Using XXXX of consumers money to make XXXX worth of interest between banks. In that I think it is possible that just like the mortgage industry bubble popped eventually this will also be a bubble that pops. Interest on money even over 7 days over multiple accounts is a lot of money being made on the illusion of funds not actual funds. It is my belief and concern that all banking customers are headed for a rude awaking When we all find out that our banks do n't actually have any of our dollars.
it 's a phone bill with XXXX opened about 6 yrs ago, it 's still on my credit report