WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on XXXX XXXX.
TransUnion Credit Bureau illegally gave my credit report and  credit score to a   company I had no credit with, while I had the credit freeze in place. On   XXXX   XXXX   XXXX    , I pulled my credit report as part of annual review. I noticed  XXXX   XXXX  had pulled my credit report with Permissible Purpose stated as : COLLECTIONS. I never had any credit with  XXXX   XXXX , so I called TransUnion on   XXXX   XXXX   XXXX   XXXX   to fix the issue. They kept transferring me to different person and a few times they hung up on me. I finally requested a  manager an d she indicated, " do n't worry, it will go away  in two years a nd no one can see it ''. I told her do you want a copy of the report so you can see the word collection on it. I told her it will interfere with my employment check and she indicated, since this is a soft pulled we ca n't help you. She indicated I should file a stolen credit report with local police and they indicated the report was n't stolen since I had gotten dental work with them. They stated I need to go to court and then take that information to the credit bureau. Transunion can remove the word collection, if I get the police report, while at the same time they told  me it ca n't be removed, well which it. What good is the money I paid Transunion for credit freeze, i f they do n't enforce it and even worse they lied to me and I thought I was protected.
i am being charged $ XXXX monthly service fee with a {$0.00} balance on my account. No statements received
I have contacted each negative report on my account and was told by the majority of them that their company did not make the negative report and did not know where it come from. All the credit card company increased my line of credit and other have sent me letters.
Contacted via phone to collect debt, never received a debt collection letter from XXXX  XXXX. Stated to Convergent that I never had a XXXX account, and suspect this was a XXXX account opened by someone else. XXXX debt is for {$160.00} from XXXX, do not know exact date because I was never provided a Debt Collection letter. This debt is over 14 years old and obviously exceeds the statute of limitations for debt collections. After stating to Convergent that this was not my debt, I received a letter stating they contacted XXXX and XXXX indicated that the Identity Theft claim on the account is not valid. I called Convergent on XX/XX/XXXX and explained that I did not incur this debt and that it is outside the statute of limitations and to cancel this debt, they stated they could not cancel and debt would remain open. I then called XXXX on XX/XX/XXXX and verified with XXXX that I DO NOT owe them any money. As stated to Convergent, I have never had a XXXX account and XXXX confirmed this information.
Case # XXXX. On XX/XX/2017 I sent XXXX of a bitcoin from my mobile wallet to Coinbase. Funds never appeared in my account. Coinbase customer support haven't responded to any of my emails and no funds in my account to this day.
I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   Experian, and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you
I made a payment to Citi XX/XX/XXXX and received a call that they never received my payment. I have the cleared check from my bank and the check was sent XX/XX/XXXX and cleared my account on XX/XX/XXXX. Citi has never asked for a copy of the cleared check and I have made many attempts through phone calls and email to resolve this matter. They have told me they would credit my account with the amount of XXXX while they investigated and they did not. when I email they say they will get back to me within 24hour with a response and all I hear is nothing. I finally received this email last week but still have not seen a credit on my account. They said they found the check but was unable to credit it to my account due to " some lack of clarity about the whereabouts of the check ''. I do n't know why that is my problems and why they ca n't credit my account. I thought they were processing the check but I 'm very confused and no one will respond to and let me know what it going one. They also said they would credit my account in 3-5business day and still have not seen a credit and its been 5 business days. They also stated in an email that they did not receive my check until XX/XX/XXXX which is not true. The check cleared my account on XX/XX/XXXX. I thought that it was illegal to hold payment. So they have my money but will not credit my account and I had to make another payment this month so I would not get a late payment. I should of had a credit on this account. I do n't know why they can hold my money hostage. I just want my money. They know I sent it. This is insane!!!!!
Constantly receiving " robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is XXXX.
I was declined a job offer based on my consumer report and want to know why and how this had occurred. To my knowledge there should be nothing holding me back from getting employed based on what is in my consumer report.
Received a phone call from " Capital Management Services '' on or about XXXX XXXX, XXXX. Kindly told the associate that I request no telephone contact and to please submit verification of the disputed debt in writing only. This was followed up with two written requests on XXXX XXXX AND XXXX XXXX, XXXX. Both letters stated the following in bold : " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me must be done in writing and sent to the address noted in this letter by XXXX. '' On XXXX XXXX, XXXX at XXXX XXXX I received yet another telephone call. The associate acknowledged the receipt of the letters but said there was no request to cease communication. I have retained copies of all communication and both make the request as clear as possible.
From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Lowes. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here
XXXX XXXX XXXX XXXX XXXX/Carrington Mortgage Service is denying me a loan modification. I have had a medical hardship which temporarily reduced my income. They say that an investor or group of investors wont approve my loan modification request even though I have enough income to pay my monthly mortgage payment and had been paying a payment each month demonstrating my ability to pay. Apparently XXXX XXXX XXXX XXXX XXXX XXXX  is the trustee for the investors. I would like both of these companies to be contacted about my complaint. I believe Carrington is a dishonest servicing company based on the misinformation they have given me and failure to provide responses in a timely manner as required by law. My second major issue is they have failed to have a face to face meeting with me or respond to my letter requesting that. I spoke with them on XX/XX/XXXX and they verbally tried to discourage me from a meeting, saying the meeting would do no more for me than what I could do by phone. I pushed for a response to my written request and was placed on hold while a manager was contacted. I could not speak to the manager and was told the same thing again and also that I would have to drive 200 miles for the meeting that they would not come to me. I said fine, I continue to request the meeting. The gal said she would give another message to her manager and they would call me but if I didnt answer wouldnt leave a message. I do not know who my actual mortgage holder is and can not make any headway with Carrington in order to save my home. I have a substantial amount of money to pay towards the past due, but they refuse to negotiate. The only option they have given me is to pay XXXX on the XX/XX/XXXX but they cant guarantee they will accept that after that or tell me how long I have to pay that amount. I almost have that total amount and will have it on the XX/XX/XXXX and will attempt to get them to accept it. They are shady and dishonest and havent been following their own information and timelines they provide in writing. The servicer also changed the terms of my original mortgage holder and started refusing to accept late payments on different terms than the original mortgage holder did. They also failed to pay my taxes on the property for one of the parcels and then when I found out they raised my monthly mortgage payment to make up for their mistake. I would also like a copy of the note or deed for my home that shows who supposedly owns it now. My mortgage had changed hands so many hands I no longer no who I actually owe the money to and how to contact them. I really need help dealing with them.
I was frauded by a man named XXXX XXXX who went to the XXXX. He was supposedly robbed and his daughter had a XXXX XXXX. I paid for the surgery for her. Then I had to take out XXXX loans because he passed a false check that cost me around {$2000.00}. So I consolidated my loans with a good company named XXXX. One company " Loan Me '' hassled me about payments even though they knew I was consolidating the loans. They called me at XXXX in the morning and left me several messages about XXXX times last Sunday. They threatened me with the Credit Bureau and laughed at me on the phone. They also said that I could n't get anywhere because I would have a negative on my Credit. As a senior citizen I was forced to pay {$300.00} with the late charges added to the {$290.00} and called me a XXXX. This company needs to be reprimanded for their practices.
XX/XX/XXXX I attempted to call XXXX ( XXXX ) XXXX-XXXX and recording said this number was no longer in service or disconnected. The address is XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX is the date the inquiry was made. 


XXXX XXXX XXXX
NAR INC is reporting on my credit report fo r    XXXX   XXXX   XXXX   XXXX  . I 've contacted NAR and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
On XXXX/XXXX/17 I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company XXXX XXXX XXXX in the amount of {$1000.00}. I do not have a signed contract nor any contract with XXXX, XXXX. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with XXXX, XXXX. This negative mark is affecting my credit score heavily. Please investigate this matter and remove this inaccurate information from my credit file with Equifax.
I was affected by the Hurricane in Florida in XX/XX/XXXX. I was placed in a forbearance by Penny Mac. I was told I was approved for a " streamline modification ''. I was given the payment and terms verbally by XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX. I never received the paperwork and called back only to find out she gave misinformation. I am now being told I do n't qualify for a modification at all. I was told not to pay anything by XXXX and resume payments in XXXX, that was wrong information. I have spoken with multiple people to include XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX on and on. I continue to get conflicting information regarding my loan and at times no communication at all. These forbearances were mandated by the Federal Government and now I 'm being told I may have to Short Sale my house ... What is going on? This is my livelihood and it is being handled with incompetence.
XXXX XXXX billed me for a service I never authorized ( see attached documentation ) on XX/XX/XXXXat XXXX They billed on my credit card a {$490.00} charge for a next full year of service. I contacted XXXX XXXX and said I never authorized the charge and did not desire their services for another year ( see attached documentation ) - I notified XXXX XXXX on XX/XX/XXXX at XXXX XXXX that I never authorized such billing I explained to XXXX XXXX that I had already removed them as the registered agent and they continued to bill the {$490.00} charge anyway I contacted my credit card company and they then removed the charge About a month later XXXX XXXX billed the charge again by claiming the charge was for service provided Which is a lie The charge was for future services that I did not wish to have from XXXX XXXX ( see attached documentation ) Now it is fraud and my credit card company refuses to accept the charge as fraud and will not remove it
i purchased a vehicle from a buy here, and my loan was sent to Mid-Atlantic. and apparently in the loan agreement I could n't have a bad payment within the first 90 days or I would terminate my loan. needless to say life happened and my account was XXXX dollars short so my bank returned payment. the next couple of days the dealership calls and says do n't make a payment with them they are going to take back the car for the bad payment. he then goes to say with the next couple of days they are making me buy back the car. so I am out of XXXX dollars so I need my car back unless you can bring me the car. does n't sound right so I call the finance company and they first say yes the dealerdid buy back the car make the payments with them. I call again and another manager says no your account is active and you still should pay us. but if the buyback is in process you would then have to talk to dealer about the payments. I let the finance company know that I traded a 2006 truck for the 2006 Honda civic and what happens to my trade inif my deal is no longer any good. she goes well its up to the dealership if they give you back the trade in or not. and I feel as if I am being ripped off. here. because I also paid my tax tag and title up front to the dealership.
Company or agent of the company has been contacting and leaving threatening messages on both my office phone and my mothers phone saying that they have a serious matter and I need to call them back to confirm my work address so they can deliver " legal papers '' to me. They use different local phone numbers each time. The scripted person that makes the call will not provide me any information at all just expects me to give them my SSN, Birth Date, Address. 

I called their office and was told the calls where from an agent of theirs. This person gave me the company name and address but would not send me any write confirmation of a debt or tell me what the important legal papers where. 

I have confirmed my credit report has nothing from this company. 

( XXXX ) XXXX Cordoza & Wexler Recovery Services XXXX XXXX XXXX XXXX XXXX, NY XXXX
A Company named Operating partners LLC and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter ] to collect a debt for XXXX XXXX XXXX for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency Customs and border protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a XXXX letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in XXXX XXXX and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named XXXX XXXX ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either
This Bank of America 2nd mortgage account # XXXX has been paid. XXXX   CRA is still showing the account as " Open ''.
The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
On XX/XX/XXXX BMO Harris paid on my behalf {$2300.00} to XXXX XXXX, for my home loan. This payment was made by mistake, as the XX/XX/XXXX house payment was made XX/XX/XXXX. 
Calling BMO customer service, I was told due to insufficient funds, the payment would be returned to my account XX/XX/XXXX. At this time, I was told the issue was resolved, and no further action was required. 
XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 
A stop payment was issued on my behalf by the XXXX XXXX BMO branch. 

XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 

Recapping : BMO Harris sent money on my behalf 3 times, without my permission, ignoring my request to cease. 

BMO continually put the blame on XXXX XXXX XXXX, though in fact they had nothing to do with the issue. 

19 phone calls to BMO, a total of over 9 hours of time on the phone.

5 phone calls to XXXX for a total of 1 hour.

5 separate days with no money available in my account.

At times, rude treatment, especially from BMO bill pay department. 

Key contacts with BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no last name ) bill pay manger