WillisBack/dataset-financial-user-claim huggingface dataset:
I was called last XXXX XXXX regarding the loan modification I was approved that I did not know. I called them back and told them I was not aware of this and did not received my documents. The following day, XXXX XXXX, underwriting representative called me and told me that XXXX XXXX extended it and I need to send my payment right away. They instructed me to send it via XXXX @ XXXX, send the first payment {$1200.00} send it to XXXX XXXX, XXXX officer. They explained that this is a government loan and I will not pay directly to Nation star. Since this is holiday, I send my payment for XXXX on XXXX XXXX, XXXX with the same amount to XXXX XXXX of XXXX XXXX California. XXXX XXXX called me up and told me his handling my modification form now on. I called Nationstar customer service and informed them of the situations, I spoke to XXXX XXXX and even faxed her the papers to proved to them I am in modification because I did not pay my XXXX payment. No response I received from them about it. XXXX XXXX called me XXXX XXXX, XXXX to process the XXXX final payment. Same XXXX and send it to XXXX XXXX of XXXX Michigan this time for XXXX because of the transaction fees I paid from XXXX payment. He send me receipt of the last XXXX payments via faxed. XXXX XXXX called me up XXXX XXXX, XXXX to inform me that XXXX XXXX. is closed because of the holiday. He said they will call me on XXXX XXXX, XXXX. XXXX XXXX named XXXX XXXX called me and gave me phone # XXXX to save in my phone so I will know that he 's calling me. I received a message from Nationstar again regarding my past due. I call them back to say again my story and my situations. This time I was forwarded to their supervisor XXXX XXXX. He said there is no XXXX XXXX in Nationstar company directory. I got the paper I faxed to XXXX last XXXX XXXX, XXXX. He said he will submit it all to their XXXX Department. He asked me to faxed him all receipts I have. I did the following day. Then I called XXXX XXXX to bluntly asked him if this a fraud. He said no, this legitimate and they are the underwriting depart of Nation star Mortgage LLC. He added that customer service does not know what 's going on because it is still on trial period and not yet completed. He told me that once if completed and process that 's the only time it will show all my payments and transactions. I told him that his name was not in company directory. I asked him to called them and at least give them a word about it that customer service will know about it. He said he will give them a call. I called XXXX XXXX numbers and reach the XXXX XXXX. I asked the lady for him and but she does not know him. I told the lady my purpose of calling him and she stated the XXXX does not charge a processing fee. She transferred me to XXXX who took all my information and my case and story. The following day, XXXX XXXX from XXXX legal Dept called me and asked me to faxed all the information and asked me to file this complaint.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX acct : XXXX Ref : # XXXX XXXX is attempting to collect on a debt. I have made communication with a XXXX XXXX requesting validation of this debt, their Authorization and HIPAA release. They are unable to provide HIPAA sign release of medical information. Requested information XX/XX//2019 The copy of a bill on XX/XX/XXXX is all I have received,
I provided XXXX, Transunion and XXXX with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
I had a credit line with  XXXX   XXXX  that unfortunately slipped into collections in  XXXX . In late  XXXX , I was contacted by their collection agent,  XXXX   XXXX , about this debt. I agreed to settle my outstanding balance, and that payment was finalized in late  XXXX . Now,  XXXX   XXXX  refuses to update my account as paid on my credit report. They are still reporting to the credit bureaus that I owe them {$1800.00}, when in fact, I have settled this balance in full. I have even disputed this account with the credit bureaus, but  XXXX   XXXX  continues to tell the credit bureaus that I still owe them {$1800.00}.
This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
On XXXX XXXX, 2017 Equifax discovered a hack that exposed my personal information, including name, address, and social security number. I believe this is due to negligence on the part of the company for failing to protect my information securely. They inappropriately and without permission gave my complete credit history to a 3rd party.
First off, the app is n't working for capital one. Everytime I try to access it i do the pattern that I set up and it acts like it 's getting me in but never does. It always brings me right back our, I tryour using my passocde instead, it brings me right back to the pattern. The app just sucks. So I 'm like okay, let 's do this online. So I go online, and every time I try to access my account it says that there is a error and to try again later. I 'm seconds away from applying to another bank.
I HAVE BEEN CONTACTED BY A GENTLEMAN, XXXX, XXXX XXXX ACCENT, PHONE XXXX. CLAIMING TO BE FROM MY MORTGAE COMPANY AND OFFERING ME MODIFICATION. I CONTACTED THE MORTGAGE OFFICE AND THEY HAVE NOT OFFERED THIS TO ME NOR DO I QUALIFY. THIS GUY HAS THE LAST XXXX OF MY SS AND MY ACCT NUMBERS, HE HAS ALSO CONTACTED MY CREDIT UNION FOR THIS SAME THING. I AM HOPING HE WILL REALLY FAX ME HIS PAPERWORK SO I CAN FORWARD ON TO SOMEONE TO TRY TO STOP THIS GUY.
A man who has introduced himself as XXXX XXXX calling and claiming he 's calling from XXXX XXXX XXXX has repeatedly called my place of employment, has harassed me, people answering the phone and even spoken to my boss. This person claims I have an old debt that I need to acknowledge and states that he is in contact with my county to get me served with documents. I have requested that he send me something in writing regarding this debt or to give me contact information for my original creditor and he has to refuse to do either but continues to call my place of employment after I have asked him several times to stop. He has threatened to have my wages garnished and even accused me of being a delinquent and telling my boss he 's going to get me on fraud charges. I do n't know how else to handle this, I 'm not refusing to pay any debt I might have all I 'm asking for is proof which he refuses to provide and on top of that he 's jeopardizing my job.
On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.
To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In  XX/XX/XXXX. I have receipt to prove my merits On this matter.
I am a victim of identity theft. My office was broken into and several of my identity documents, along with my wallet and check book were stolen. After this theft several accounts were opened in my name. I disputed these accounts and received a letter from ChexSystems saying the dispute was over and nothing was being removed, however a month before I received two letters from XXXX XXXX XXXX saying they did an investigation and found that I did not open these accounts and that they were requesting a removal from ChexSystems. I 'm not sure who has screwed this up and I do n't care. I 've attached copies of the police report and the letters from XXXX XXXX XXXX. 

Additionally, the following addresses ( which XXXX XXXX XXXX used ) are NOT associated with me and ChexSystems has refused to remove them. I have made ChexSystems aware that these addresses are being used to commit fraud yet they have not removed them or have any effort to follow the Fair Credit Reporting Act and protect me from this fraud. The addresses that need to be removed from my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

XXXX XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

XXXX XXXX The address above is reported with several different apartment numbers. All of them need to be deleted. 

I received a notice from ChexSystems saying that they had mailed a report to some of the addresses above. That is very unfortunate that they did not do any sort of verification before hand and exposed me to further fraud. I have never order a report to any of the addresses above.
A XXXX from North Star Location Services continues to call my personal cell # looking for my daughter XXXX XXXX. He also harasses her along with her father for some unknown debt.
Company is attempting to collect a debt that does not exist. Account was paid in full and I believe this is an extortion attempt. I contacted XXXX and they had no knowledge of any monies owing or why this debt collector was trying to collect on an account in good standing,
Received calls from Navient on MANY occasions, most recently, yesterday XX/XX/2018. The person I spoke 2, XXXX XXXX, told me that if I wanted to settle my loans I should borrow money from family and friends. This is certainly not the first time I have been told this, but I was advised that this is not legal, nor are the daily phone calls. Because of my inability to pay what they are asking for, my credit score has dropped 60 points. Navient is a terrible company that harasses borrowers and uses illegal practices.
Even tho I have no contract with these people I tried to settle the debt for {$34.00} we both agreed on and these crooks still have not removed this debt from my credit reports and their derogatory mark!
I had a unpaid medical debt show up on my personal credit report that is not something I owe. It was filed by Consumer Collection Management in the amount of ( {$570.00} ). In contacting Consumer Collection Management they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/2017 and I have already lost over $ 55K as a result.
CREDIT KARMA HAS MY OLD ADDRESSS LISTED IN MY PERSONAL INFORMATION PROFILE AND IVE RECENTL used XXXX to take advantage of my free addresss change and for my XXXX address change since we are moving soon. Credit karma will not allow me to iMMEDIATELY change mt address on file and i jave JUST applied for XXXX XXXX  XXXX credit cards.today is sunday XX/XX/XXXX and i applied for XXXX XXXX XXXX credit cards yesterday on saturday XX/XX/XXXX online using the " Recommendation '' portion of the website while logged into my account. My concerns are my identity will be compromised and/or my credit card information will be stolen. Also another MAJOR problem is XXXX vehicles are reported or shown as my vehicles on credit KARMA but they are NOT. I removed them becuase i am NOT the rightful owner.
I noticed that Loan Care wrongfully charged me twice for my full property tax in XXXX year, increasing my payment from XXXX to XXXX This can be seen on the attached Escrow Disclosure document on page XXXX. 

I filed an email complaint on XXXX/XXXX/XXXX given them my XXXX tax form and pointing out the error. I was issued ticket number XXXX. I then called and asked for my issue to be expedited and was told my issue would be resolved in XXXX business days. 
I called Loan Care after the a XXXX business days and they said it would be handled that night. They said they would call back when it was resolved. They never called back. I would call each week and they would give me a new resolution date each time, ranging from XXXX XXXX all the way to XXXX XXXX. They never would call be back and I would always have to call them. The issue is still not resolved and I am extremely unhappy with the way they have handled this. I am tired of calling them and getting disappointed. 

To add to the frustration, I ended up paying the XXXX amount for the XXXX XXXX mortgage payment since I was on XXXX XXXX Loan Care said after the resolution they would refund me the difference. We are now approaching the XXXX XXXX mortgage payment and my payment is still wrong XXXX XXXX XXXX. 

I really need some help as I feel they are giving me the run around and not solving the issue.
My ex husband owes XXXX plus dollars for my son 's medical bill. First the debtor tried to pin the debt on my son who was XXXX when he had XXXX. 

I got that issue resolved by complaining to the Attorney General. 

Despite me giving my ex husband 's Name, Address, Phone Number, Social Security Number and Divorce Decree stating he owes for medical, the debtor, RSH & Associates is now going after my husband ( my son 's step father ) - even though I have it clearly in writing by the debtor stating : 'It is my understanding that XXXX XXXX is 'not financially responsible for your son 's account. That was my error, I apologize. I have corrected that in our system. ''
Bank of America is my mortgage company, Ive had heard how difficult they are to work with homeowners before I fell behind and I said they were good. When I unfortunately fell behind its when my nightmare started. I had been denied several times due to them miscalculating my income. Now I submitted a complete packet and they said there is an outstanding issue and that they cant tell me what it is over the phone. They keep telling me that its like a " back room '' where they receive the correspondence and they answer to me through mail. They said I had to send a written request through mail to find out what that outstanding issue was. I send a written request through mail and I paid for signature, they received it and I have not heard back from them. My file was denied due to some bank statments missing, I sent them over and then they said that I was hiding income which I am not!! I sent the missing bank statements, and they denied my file, they closed it and was sent to the fraud department. To add more to this they put an auction sale on my home for XX/XX/2018, this is not fair. The sale is coming up soon, and I have no answers as to what that outstanding issue is. This has gotten my wife and I very stressed, they have the bank statements they were needing why not just continue with the review instead of closing it. So I believe this is the outstanding issue they are talking about. I wish I knew what it is so I can answer and start getting reviewed again. I really hope that they dont answer a few days before the sale and not give me enough time to reapply. I dont want my home to sell. They can check their system, they have all the documents they needed. Bank of America had a complete packet.
Today I received a treating message from XXXX XXXX XXXX XXXX. The intimidating message informed me if I did not respond to their message that they would make a decisionthat will harm me. 
THE WAY IT SOUNDED MY LIFE WAS IN DANGER OR SOMETHING TO THAT AFFECT. 
THIS CALL WAS LEFT BY XXXX. PHONE NUMBER XXXX XXXX XXXX XXXX. My case number XXXX. 
In 2006 I paid off the overdraft. I panic like everyone because there was a bad storm approaching XXXX. This bank was with XXXX Bank. Check my credit. This is the only thing that keeps harassing me.
Keep trying to collect a debt on a car they took back for being one payment late. I had catering items int he car worth more then the car would not give back in fact held for additional payment after we worked out an agreement they reneged on it
Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.
I have a Satisfaction Of Mortgage Dating Back to  XXXX / XXXX / XXXX  Recorded in Register of Deeds In   XXXX   Wi. The Doc.Id as our Current Lender stated Not a Chase Loan, I found out in  XXXX  that this Doc.Id. Was a  XXXX   XXXX   XXXX   Loan Paid in Full as  of  XXXX / XXXX / XXXX . A letter  Dated   XXXX   XXXX  states that. From  XXXX   XXXX   XXXX  Ca. My Last Info is a Satisfaction Of Mortgage From  XXXX  Recorded on  XXXX / XXXX / XXXX   XXXX  Fee {$30.00} in the  Register of Deeds  office in  XXXX  Wi. Tax. Id. Correct.   Property Location Correct.I have a Certified Copy From the Register Of Deeds. Under our Wi. Statute  706.05 { 10 } And 706.05 { 10  } { A } If You Received a " Satisfaction Of Mortgage '' endorsed with a time, date and document number From a Register of Deeds Office. '' The Nothing Further needs to be Done '' " The Above Facts Are True in My Case ''
{$1000.00} Called and kept saying they would take legal action numerous times before even asking to set up payment arrangements. Was verbally abusive.
XX/XX/XXXX : Wired {$4000.00} to Coinbase , Inc . 
XX/XX/XXXX-XX/XX/XXXX : Communication with XXXX XXXX. They confirmed wire transfer clearing. 
XX/XX/XXXX: Opened Ticket on Coinbase 's system.
I received a letter for Louisiana Recovery Services , Inc. in reference to a debt from a company called XXXX XXXX XXXX in the amount of {$260.00} with a date of XXXX/XXXX/2005. I have tried communicating with them to provide me with a copy of this bill ( 3 attempts ). I have XXXX over due medical bills with them which I have agreed to pay but they refuse to provide me with a receipt showing payment. The company is as follows : Louisiana Recover Services, IncXXXX XXXX XXXX, XXXX XXXX, LA XXXX ( XXXX ) XXXX
I have no idea what this debt of {$820.00} is. It have showed up on all three of the credit bureau as of last monnth ( XX/XX/2016 ). Initially there were XXXX accounts showing from this company. XXXX has been removed and I was advised of it the other was never responded to. This needs to be removed from the credit bureaus immediately. I refuse to pay something that does not belong to me. I am also concerned about them having my Information and I do n't know who they are.
I contacted XXXX XXXX on XXXX XXXX 2018 and this for sure is not my account.
I have homeowners insurance through XXXX XXXX. After experiencing a loss due to a roof leak my first inclination was to contact my insurance company. Upon calling the insurance company, no one advised me of my deductible or provided me with any advice. They simply submitted my claim. Then I was referred to a restoration company by my agent. They provided service to dry my attic and repair my roof. Then they provided an estimate of the cost to repair my ceiling and interior damage. The total of all services added up to be less than my deductible. Therefore, my wife and I have to pay all costs out of pocket but XXXX XXXX is still treating this as a claim. How is it a claim against my policy if insurance covers nothing. Additionally, XXXX XXXX has denied our request to increase our premium and reduce our deductible because of the 3 year waiting period after a " claim ''. What good is insurance and how is this a practice that is allowed to continue???