WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I applied for a home with DHI and was approved with a closing date of XX/XX/XXXX. I then got laid-off from my job on XX/XX/XXXX, but already had another job lined up and therefore immediately I notified my loan officer including the offer letter which included my income. I sent it to her on XX/XX/XXXX. I wasn't notified until XX/XX/XXXX from the loan officer ( 10 days before closing ) to advise she wasn't going to be able to approve the loan because my DTI. I was distraught. I then called her back several times and she did not answer work or cell. Therefore, I sent her an email asking what was I to do because I had no where to go at that point and why wasnt that caught when I sent the information to her which would have alotted me enough time to rescind the 60day notice, considering I had to put in a 60 day notice to vacate and it was too late to reverse it at that point. I never received a response from the loan officer which then prompted me to send her another email which asked her why my child support income could not be considered. She then replied to that email stating " she could use the child support if it was 6 months ''. I already mentioned I only had 3 months so I knew she was basically telling me there was nothing she could do for me. I then reached out to my realtor and she directed me to another lender that she knew would be able to help me. I contacted the lender and he got on it right away and got me an approval with my 3 months child support. On XX/XX/XXXX the loan officer from DHI reached out via email stating she could now use 3 months. I knew immediately she was trying to steal the loan back but I already made the decision to work with the new lender who was able to help willingly. I advised her I decided to move forward with the lender and asked for her to transfer the loan to the new lender. I never heard anything from her and a week passed and she had not yet transferred the loan which delayed me in closing. Me, my realtor and new lender had to jump through hurdles to get in contact with staff at DHI to have the loan transferred. Once they transferred the loan on XX/XX/XXXX they submitted a denial which blocked other lenders from working with me. I am now homeless with no place to live with my XXXX children. I have made several attempts to get the loan transferred without the denial ( which is not valid ) and appears to be an deceptive act as they was trying to take the loan back. I also asked for manager, VP and director contact information and have not received any response. They have drug my through the dirt hindering my ability to get a FHA loan when I am qualified for the loan. Their unfair and unethical behaviors has damaged me and my family tremendously. They made me pay them {$450.00} for an appraisal then turned around and blocked the lender from being able to close me on the house. I have lost many nights of sleep, cried a river and have not been able to eat a meal since this has taken place. This by far is the worst lending company to work with. I would not recommend DHI for any lending purposes.
OK PERFORMANT FINANCIAL C XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX .they damaged my credit report dropping my credit score 35 points. I when from a XXXX to a XXXX. score. I don't know or have I every did business with this company. this is wrong. they have violated the fair debt credit protections act. they did not contact me by phone or by writing. they just did and unauthorized inquiry that has drop my scores 35 points.. I did not give them permission to run my credit .. they need my authorization to look or run my credit ... im going to report the to the attorney general office in CA. I do not recognize this company at all and why or how they ran and unauthorized inquiry on my credit report and damaged my credit report 35 points. According to the fair debt credit collection act. you must stop all attempts to collect on debt and inquiries until it matter is resolved .... you have the wrong person it you wont validate the inquiry you must delete it because I am disputing it in writing ...
On XX/XX/XXXX, postmarked the XXXX - I received letter in the mail that XXXX XXXX was selling my loan to XXXX XXXX. I was all set up with automatic payments for my mortgage so the money was withdrawn to my account and sent to stearns. I logged into the account to see what was going on because of the letter and my balance showed XXXX, i called into XXXX to set up my recurring payment with them on XX/XX/XXXX which is a week after the loan apparently transfered. XXXX  couldnt find my loan anywhere, I called Stearns that same day to confirm and they said give it another week we show a XXXX balance and that its transfered. I call back on the XXXX and XXXX still doesnt have my account, also at this time i get an automated call from stearns to call. So i do, the automated system tells me I am past due on my XXXX payment. So i speak to representative who says that i am past due, but i tell her that I received two letters about a transfer of loan, and last week I was told by customer service that it was transferred. She says that is not correct and you are past due, I stated that Stearns collected the money and it is shown in my bank account as withdrawn and cleared. I was told to provide documentation of this transaction, so I did. They confirmed the received the payment and had sent it over to XXXX but in that time cancelled the transfer. I asked why then is my account showing past due and why am i getting collection calls - they stated they cant cancel until they get the money back from XXXX. Over the next two weeks i called a total of 6 times each time having to spend 45 minutes to an hour explaining the situation, I finally was able to stop the calls. I made my XXXX payment and then was notified again that my loan was being transferred to XXXX, so now I am here again with a mortgage payment missing somewhere although i paid it on time, and now XXXX  shows me as past due and wont address until Stearns issues the payment i had made to them when i was still in their hands ... 3 months of stress, 12+ hours of calls with people now knowing what they are doing and the end result will most likely be that I show i dont pay my mortage on time even though i do
on XXXX XXXX/XXXX/2017 sent in a pmt of XXXX and to have an extra XXXX applied to principal. the mortage company did not credit me with that pmt but added to escrow. I want it correctly applied to what I checked off on pmt coupon.
TransUnion is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including TransUnion ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed TransUnion had re-reported XXXX of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, TransUnion has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.
My loan was sold from XXXX XXXX to SLS ( specialized ) loan services around the new year. I have been paying mortgage, escrow, PMI + extra money to principal every month automatically from my bank account for the last year without issues with XXXX. After my loan was sold I was told my automatic payment would carry over and there was nothing I needed to do. However I have received multiple bills from SLS stating I have n't paid my mortgage, PMI or escrow. When I called them they said it was paid ( I paid them directly when I got the bill ) and they had been trying to call me to verify my information. However when I asked when they had called me they cited two dates they had tried to call. I checked my phone and there were no missed calls from them. It turns out they never had my phone number at all which they admitted but still insisted they tried to call me. Since then my home owners insurance carrier contacted me and told me they never received the escrow payment from either XXXX or SLS. I spend two days trying to track down where the problems was but in the mean time my home owners insurance was cancelled so I had to pay {$3000.00} out of pocked to be covered in the mean time. I finally got SLS to admit they had the escrow but that it had been deemed " non-escrow '' in the transfer and they would have to have the matter figured out by " another department ''. I was given no definite timeline " there 's no way to know sir '' then finally got the supervisor to agree on 1 week. Well it 's been 2 weeks and I 've heard nothing and I am out {$3000.00} dollars while SLS figures out what they messed up. I am outraged and want to make an official complaint as I have spent a ridiculous amount of time for something that has nothing to do with anything I did wrong.
I am attaching the investigation request that my husband and I sent in to the credit bureaus on XX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
The items listed on my report, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are fraudulent accounts. Please see the attached, documentation which includes a police report and an Identity theft report.
Experian is reporting duplicate closed information for XXXX, when in fact this account is paid on time and active. Experian has several duplications for XXXX as it relates to negative accounts on my credit file. XXXX reporting states its closed, another reporting states it is open yet delinquent which, this creditor should in fact be updated with on time payments. This account is not delinquent.
Hi, I am from XXXX and I travelled to the XXXX last year in XX/XX/XXXX - XX/XX/XXXX for three weeks. I felt very sick on XXXX XXXX afternoon and went to XXXX XXXX emergency ( in XXXX, CT ). They performed tests, gave me medicine and discharged me in the evening. I gave them my travel insurance details and my XXXX address. 

Yesterday ( XXXX XXXX, 2015 ) I saw a missed call alert on my phone XXXX XXXX XXXX - when I called back on the number - I learned that they are from Optimum Outcomes debt collection agency. The lady on the phone informed that XXXX XXXX forwarded my account to them for debt collection and that I owe them {$4000.00}. 

I then called the hospital and spoke to XXXX XXXX. She informed me that my account was sent for debt collection because insurance company had denied the claim. I told her that hospital had never sent me any EOB or bill or notification of this denial. XXXX XXXX informed me that I was not sent any bill probably because of an XXXX address. 

Can the hospital share my account details with a debt collection agency without giving me any notice? They did n't even send me an EOB. If they had problems in sending communications to XXXX address - they could have asked for a XXXX address ( a friend 's address/office address ) at the time of visit. 

It has been several months since the date of service and I am not sure if the insurance company will entertain the claim. This {$4000.00} equals approx. XXXX XXXX. It is a very large amount that I ca n't afford. If the hospital had informed me of this amount after denial ( they had my home address and email address both ), I could have talked to insurance company in time. 

I am an XXXX citizen living in XXXX. I do not want to have a bad credit history in case I get an opportunity to live in the XXXX in future. 

Requesting your help in this case.
I have disputed this debt in collections on my credit file several times. I have never received any information as to what this debt is for. I was not given a chance to rectify this before it was reported to my credit file. The credit bureau only updates my credit file stating the debt is accurate however the credit bureau nor the collection company has ever given me any explanation. Also I have no idea what Trojan Professional is.
I have contacted this company several times asking them to validate this debt they claim that I owe them. They have been unsuccessful at doing so all they keep sending me is old billing statements from a XXXX phone bill. I have done further research and found out that this company is not licensed to collect in the state of Tennessee, which is where I am.
I do not have access to the dates the incident took place since it was logged in my PayPal account that has been terminated by PayPal. Approximately two years ago, I discovered fraudulent activity on my credit card. The charges were made to XXXX XXXX through my PayPal account. PayPal issued the charges to a credit card I had linked to their service. There were several small charges for less than {$1.00} ( XXXX ) and then I had larger charges following. 
I contacted XXXX about the charges and was informed I must have shared my credit card information. The gentleman then told me they would conduct an investigation and contact me with the results. I contacted XXXX once again and was informed that they could not find any fraudulence. I also wanted to know what the charges were for and that could not be answered. I was told the charges looked to be for games due to the amounts of the charges. I contacted PayPal for  a refund of my money and they issued me a refund, but after their investigation, they wanted to be refunded. I am now in collection over fraudulent charges to my account to the amount of {$230.00}. 
I am frustrated that XXXX is unable or not willing to look into who received the charged items!
I informed Stellar Recovery that I was filing for bankruptcy and still they send me collection notices, also they send me notice in deceptive & deceitful manner I also retained legal services od XXXX Law Firm of XXXX XXXX NV, my case # XXXX in XXXX XXXX NV appeared in court XXXX XXXX 2016 @ XXXX XXXX XXXX XXXX .I 'm also on XXXX with a limited income.
XXXX XXXX, 2017 To whom it may concern : I am filing a complaint against : Gold Key Credit , IncXXXX XXXX. XXXX XXXX, XXXX, FL XXXX Not only have they failed to furnish me with a signed contract of monies they say I own, they continue to put remarks on my credit file. I have sent several certified register letters to them asking for signed contract of debt. They have only sent me information typed on paper as well as computer generated invoice from their company. I have called many times only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me to pay it. Not giving me any information to why. I also sent information to all three credit bureaus, suppling information about the company in question. XXXX has not been so forth coming, saying that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. I have been turned down for multiply credit opportunities because of this erroneous information that Gold Key continues to put on my credit report. Not to mention they say they have all the personal information they need! Need for what? My credit has been stolen in the pass and they also had all the personal information as well, that doesnt make it ME! Not only was I not in town for the two months of the date in question, but my oldest son, Great Uncle and God father all have the same name as me and two of them lived with me at one time or another. 

I would appreciate any help in this matter would be great. 

Thank you
After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting.
My husband and I purchased our home in XXXX 2013 and our mortgage servicing was transferred to BB & T. BB & T has been completely negligent in how they have handled our escrow account and our loan servicing, in general, and has cost us an immense amount of time as a result. They applied a payment incorrectly, only to re-allocate it when we received a collections call and disputed the alleged missed payment. They have also mismanaged our escrow account and, as a result, we believe that they have not given the full refund required under RESPA. They have overstated the premium paid for flood insurance despite our providing them with notice of the error in their records. BB & T has also made a practice of harassing us for alleged insufficient insurance coverage, even though our insurance coverage has always exceeded the XXXX of our loan as well as our property value. After spending countless hours on the phone they finally advised us that BB & T has an undisclosed policy that homeowners ' and flood insurance coverage amounts match exactly. We have corrected the difference and BB & T is still harassing us with letters claiming that we have insufficient flood coverage and threatening to purchase force placed insurance.
On recommendation of my realtor, my wife and I approached McLean Mortgage Corporation based in XXXX, VA, and loan officer XXXX XXXX, in XXXX Virginia, about obtaining a preliminary estimate ( Loan Scenario Worksheet ) for a lot/construction loan for a potential future purchase. 
Our initial conference call was on XXXX/XXXX/15. No specific land or dwelling was specified, and we did not formally apply for a loan, nor did we sign any documents with McLean. On this call, I clearly stated, as my wife can verify, this was to understand estimates for closing costs, and NO credit report should be pulled, as it could impact our credit score adversely if we went with another lender. 
In a subsequent face-to-face meeting on XXXX, XXXX XXXX admitted she HAD pulled our credit, without written, email or verbal approval. Subsequently, we determined we were not going to pursue new construction at this time. Unannounced, I was very disturbed by a letter from McLean in the mail XXXX/XXXX/15 titled " Statement of Credit Denial '' with a loan number for purchase of property NA. Since we did not formally apply for a loan, there should not have been any loan tracking number, amount or interest rate!
Hello, this is a 2 part problem that includes XXXX, XXXX, XXXX, and Navient. These schools took out loan amounts that were more than the cost of school. 

Navient keeps pushing Forbearance on me and with calls. What I am for is a income driven pay back plan but I get no help. Now the loan amounts are more than what I can handle. This has hurt my credit DTI and score as a result of both issues. 

Please help! 

XXXX XXXX XXXX XXXX XXXX
I have been paying ahead on my student loan, but Navient has not put the over-payments directly toward my balance immediately. Instead, it advanced the due date costing me a great deal of money in accruing interest. I pay by electronic bank. NAvient offers to not advance the due date but only on checks and direct payments through their website. I go through my bank 's website.
Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, XXXX
Hunter Warfield Inc has a debt that was place by XXXX XXXX XXXX # XXXX in which XXXX XXXX is and in default for any amounts owed or due. XXXX XXXX did not show for court 2 times and the case that XXXX XXXX filed on me to go to court never showed up and the case was dismiss. My attorney also mailed XXXX XXXX a letter in which they never responded back to issues and I was not evicted and as the letter states owe any money to XXXX XXXX. XXXX XXXX received over 3 US Certified Mail that they did not respond back to in any way. If  the matter is not cleared up I'm filing a law suit on Hunter Warfield Inc & XXXX XXXX as to a debt that is fraud by Hunter Warfield Inc & XXXX XXXX as to they never came to court and the case was dismiss and they received a letter after court stating there was no money owed in any way. XXXX was also informed we could pursue going to court on other issues that there was pictures and the unit had mold and other issues that was verified by the insurance company that came in and access the property. The City Building inspections also came to the unit 3 times and XXXX XXXX played games with the city codes and inspections for not having a building permit as well as a list of things that they city building codes and inspections was on XXXX XXXX for 3 months before they obtained a building Permit for work they was doing. I'm giving finale notice to Hunter Warfield Inc that a law suit will be filed on them to the matter and for XXXX in default not coming to court and the case was dismiss as well as XXXXXXXX XXXX not answering the US Certified Mail that was mail to them 3 times with no response. the debt is not valid in any way by the courts or XXXX due to the case was dismiss and no reply back. 
And there is over 8 US Certified Mail going back to XX/XX/2015in regards to the matter as proof as well as XXXX XXXX XXXX XXXX XXXX reports and the issues the city had with XXXX XXXX as well as no reply by XXXX XXXX. 
Attach is court document as proof as letter that was sent out by my attorney with no reply from XXXX XXXX
Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!