WillisBack/dataset-financial-user-claim huggingface dataset:
" Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check.
Trying to collect on debts that I do not owe I do not have no form of signed credit obligations with Midland Credit Management never did.
My loan originated with XXXX, XXXX XXXX XXXX and was later sold to XXXX XXXX XXXX. I have an FHA loan. My mortgage fell into foreclosure due to a series of hardships and marital issues. I tried to do a loan modification but was declined. I subsequently opted for a short sale because I needed money to assist with relocating for my sons to keep custody of them and I also need to finish college and can not obtain the loans needed with the foreclosure. I listed my property with a Realtor, submitted my short sale package to XXXX XXXX XXXX and received an approval. As my approval came in, XXXX XXXX XXXX transferred my loan to Carrington Mortgage. Once my loan got to Carrington Mortgage, I spoke with a representative who said Carrington will takeover with the short sale from XXXX XXXX XXXX. He said the sales price needed to increase to XXXX and they had to have a minimum of {$87.00}. I told him that the cash buyer had already increased his offer and I sent the contract as requested to Carrington. I even sent updated income documentation. As I waited to get the green light to close, my home was foreclosed on XX/XX/XXXX and I was n't notified. I was caught by surprise. The attorneys for Carrington never sent me notice and I was waiting on Carrington 's short sale instructions. I raced to hire an attorney who objected to the sale. The property went back to Carrington, but the deed was not transferred because of the pending litigation. I need help resolving this matter
I never hired or authorized this XXXX doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXXXXXX with a 100 % coverage and no delectable even if I authorized the XXXX XXXX ( which I did not ) I would have been covered by my health insurance provider.
I have received many calls from IC systems. They ask for me but I do not respond I am the person they are looking for. I have repeatedly told them not to call again but they do several times a week. they call from several numbers latest is XXXX XXXX I have blocked them each time they call but then they use a different number
For the last 3 weeks for 3 times each day, Saturday and Sunday as well, Capital one bank has called me and left a voice message about my account. I have told them to stop and they are refusing to.
When I signed up for the credit card I did so under a promotion that would waive the yearly fee as long as there was an open checking/saving account. I then opened a checking and savings account with them and transferred everything over. All was fine until my one year mark when they charged me a yearly fee. When I contacted them the first representative told me that there was no such thing ( the promotion ). I told them that i would not make this up and if they are unaware of it then they need to find someone who does. When I finally spoke to a supervisor ( 30 min hold ), they told me that yes the promotion was active at the time of my sign up but the representative never signed me up and there were no notes on the account. I protested, why should I be punished for someone not doing their job. The supervisor then told me that I would need to find the promotional mailer ( one year old at that time ) to prove that I was offered it, even though it showed as active during my sign up. 
This was the XXXX travel rewards XXXX. I have had nothing but problems with them honoring my initial agreement, even though I constantly use my credit card and keep it in good standing.
Rent recovery calls me multiple times a day I spoke with them advised them I 'm sending the letter back to dispute the amount and gave them my lawyer information. They called me back XXXX he later and said they never called she check the information and realized they did..this is constant..I see the number XXXX4 times a day
I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. Trueaccord is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
I attach a letter dated XX/XX/XXXX explaining I dropped the XXXX XXXX vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, CA and on XX/XX/XXXX I telephonically contacted XXXX XXXX XXXX to inform I had dropped the vehicle. The extended lease on the vehicle expired on XX/XX/XXXX and all the payments were timely made. On XX/XX/XXXX I received a threatening telephone call from an individual, XXXX, ( copy of a 2-page letter signed by XXXX is attached demanding {$1000.00} payment ) at my current employers telephone number. Later, I checked my credit report and found out that on XX/XX/XXXX a status updated was posted on my credit report showing a balance of {$2900.00} and indicating past due 30 days. I enclose a copy of this page of my credit report attached to the XX/XX/XXXX letter. For clarification purposes, the XX/XX/XXXX letter consists of two pages only. I received an Official Notice of Vehicle Return dated XX/XX/XXXX. Again, on XX/XX/XXXX I checked my credit report showing Status Negative by AMERICAN HONDA FINANCE, Balance {$2900.00}. On XX/XX/XXXX I called XXXX XXXX XXXX and I was told by the customer female representative XXXX has not posted any negative entry on my credit record and the representative advised me to contact myself each one of the credit reporting companies to fix my credit problem. By looking at the letter signed by XXXX XXXX, I found out XXXX XXXX XXXX is a DBA of American Honda Finance Corporation. I leased in XX/XX/XXXX an XXXX vehicle and I had no issues with the vehicle return but only because I leased another XXXX vehicle, the XXXX XXXX. I had the intention of purchasing, not leasing this time, an XXXX vehicle but after the way I am being treated I will not do it. And worse, when I test drove an XXXX vehicle on XX/XX/XXXX the vehicle I drove had mechanical issues. 

These are the companies involved with my complaint : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX American Honda Finance XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
I lost my job in XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I sent a letter to Sallie Mae stating I was unemployed, and was seeking employment. I stated that I had no income and was forced to move back in with my mother ( at her house ). I could not afford the {$50.00} payment they were demanding I make just to defer my loan. I stated that as soon as I would gain employment, I would contact them. They have refused to deal with me and refuse to accept my situation. They do not seem to understand that I have no money and no income. 
I have applied for several jobs but am still waiting to hear back. I have also applied at XXXX Universities ( XXXX departments ) in order to return to full time classes XXXX and resume my graduate studies. 
I have done all I can do for now and as I stated I have no money and no income. Sallie Mae just refuses to listen or to deal with me.
I was granted a back-dated forbearance including the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, where payments were listed as late, however, my account notes that the account was in a forbearance for those months. I wrote letters to XXXX and XXXX, who in turn contacted My Great Lakes, however, I 've never received anything from the account servicer stating otherwise. I called them as well and the issue was not able to be resolved. I would like the late payment information from those months deleted from XXXX and XXXX and any other data repository. I have copies of the letters sent, and I have never received correspondence from My Great Lakes. ( XXXX )
Called Macy 's after I had been getting a call that the caller ID said was " XXXX XXXX XXXX. '' The most recent one was this morning ( X/X/17 ). Did not pick up phone because of recent scams. Researched online, and many others surmised this was a scam because their account had a XXXX balance. Since I have also not used my card, I was not concerned, but decided to call Macy 's directly. If nothing else, I could inform them of this scam. This call was just before XXXX. I called the phone number on the back of my card ( XXXX ) It was not working. I therefore called the nearest Macy 's, and they gave me a phone number to call regarding my credit card ( XXXX ). I had not used my Macy 's account for months, and have not received a statement. I was shocked to learn that I had a {$1700.00} balance on my account. When I said these charges were fraudulent, the representative suggested that I purchase insurance for a figure of over {$1000.00}. I then called XXXX, who routed my call to Consumer Protection ( XXXX ). After speaking with the gentleman there, I again called Macy 's. I spoke to someone named XXXX XXXX, and told her that my card had been fraudulently used, and that I would like it to be reported as stolen or cancelled so that no more charges were made. She tried to connect me to a phone number ( XXXX ) to report the charges. After a few attempts, she told me that nobody was available, and that I should attempt to call them myself.
I had an Equifax credit reporting product. " Equifax Credit Watch Gold. '' I did not want to re-up for the year because they are terrible, but they charged my credit card after the year expired without telling me that I would be charged. In addition, the cost went from XXXX to XXXX, they did not tell me the price would increase. 
I spoke with a person named XXXX in XXXX and he told me that he would only give me a partial refund of {$110.00}. they are charging me for a month because I did not cancel before they charged my credit card the {$120.00}. which is better than nothing, but still fraudulent. XXXX said that they sent me an email that he price was going to increase, but I promise you that they did not. 
Equifax is a terrible product. They never send me any reports on ANYTHING EVER. All Equifax did was take my money.
Wells Fargo Home Mortgage has not sent me the 2009 of XXXX closing documents.
Department of Education/XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to  credit reporting bureaus.
Mr Cooper sends warnings that my mortgage has not been payed. I submit proof that it has been paid. An email arrives announcing that the monthly arrived. I receive letters and emails every month stating I owe the payment plus late fees. However, the payment is taken directly from my checking account twice a month by XXXX  and I show proof of the deductions every month.

I sent a certified letter to customer relations asking for help. There has been no reply.

I refinanced last XX/XX/XXXX. The previous lender Mr Cooper and XXXX deducted the payments prior to refinancing.

I just received a letter stating that a transaction on my account has resulted in us placing funds in an unapplied funds account. 
Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
I was paying my student loan through a third party for over a year. At some point last year, the third party stopped sending payments to the student loan. I was never alerted. I learned of the situation after checking my credit report. Payments were showing over 90 days late. I contacted XXXX XXXX XXXX XXXX for information. They only had the address and phone number of the third party company, that is why I was never alerted to the missing payments. My credit report now shows 90 days late for a payment. This derogatory post has really impacted my credit score. I am now current, and have asked that XXXX XXXX XXXX XXXX remove the one negative credit report entry from this situation.
Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.
Our mortgage loan is currently serviced by Chase Bank. The entire mortgage loan was discharged in a Chapter XXXX Bankruptcy. The mortgage statement shows that the mortgage note has been discharged in bankruptcy and a new mortgage note was never established. Collecting money on a discharged mortgage debt is a violation of the Federal Bankruptcy Code. Bankruptcy Courts may use their contempt power under Section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction.

[ 1 ] See XXXX XXXX v. Chase Bank USA N.A., Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXX ). 

[ 2 ] See XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, Adv. Pro. No. XXXX, Doc. # XXXX ( XXXX. XXXX XXXX XXXXXXXX4 ). 

The attached statement shows that there is {$580000.00} current principal due, but verbally Chase advised that {$670000.00} current principal due. There is also a deferred amount of {$92000.00} due and a capitalized interest balance of {$22000.00} due. Chase could not explain the accounting methods utilized on the statement. The lien position at the time of the bankruptcy discharge has not been disclosed. The loan modification that was executed shows an interest amount due of {$67000.00} and {$51000.00} in past due escrow. The interest due at the time of the modification was 18 months and escrow was listed as 60 months past due ( see attached ). This is mathematically impossible and Chase has not been able to explain the accounting. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXX XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Chase Bank also has an obligation to offer mortgage assistance per the CA Homeowners Bill of Rights. Chase Bank is in violation of both the XXXX XXXXXXXX XXXX  of XXXX and The CA Homeowners Bill of Rights. Overall the past loan modification has trapped me into a dire financial position for the long run, likely pushing me into foreclosure. Ultimately, I am trying to save my home and I am seeking your assistance on this matter.
Sometime on Wednesday XX/XX/XXXX, i lost my wallet, and had my debit card, ID and bank information inside. Later that day on XX/XX/XXXX and XXXX, unauthorized checks were deposited in my account in the amounts of {$4700.00} and {$5100.00} were deposited into my bank. On XX/XX/XXXX, 2 withdrawals of {$2500.00} were taking out my account and on Friday XX/XX/XXXX, another {$2500.00} was withdrawn, I was not notified until Friday XX/XX/XXXX about these transactions, I was on my XXXX XXXX for my XXXX program both Thursday and Friday XX/XX/XXXX, XXXX from XXXX both days. I filed a claim with Wells Fargo, and police report with my local police station and they launched an investigation, the bank credited me half of the money back, but the lead investigator accused me of somehow being involved in this and giving permission for these withdrawals that i did not authorized. My account also was supposed to be closed at the time, but was not and they are not returning my Direct deposit of {$400.00} and credited it towards my closed account. They also closed my credit card account with them and the available balance i had was credited to this outstanding balanced and told to re apply for another card, when my credit card was not compromised and i still have possession of it. I feel the matter was not handled properly, im pretty sure footage shows that i am not the one at the bank making these withdrawals, and the teller did not follow protocol as to getting identification, or manager involved because those are huge amounts, and i get asked for Identification at my branch for a couple hundred dollars, so all in all i am being forced to pay XXXX to a closed account due to the banks error on catching these huge amount transactions, and feel the case was not handled correctly by the investigator as to accusing me of being involved with this matter
Hi Team, I have never applied to any credit card other than XXXX. But I see lot of enquiries from below vendors. These all requests are not placed by me. It 's a fraud or mistake that has happened. Due to this my XXXX XXXX XXXX XXXX request was declined. Please help me removing below information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX was unable to secure my account due to identity theft. XXXX XXXX admitted they failed their own procedures. XXXX XXXX closed my account. I was forced to accept discounted Gift cards for XXXX points. XXXX XXXX attempted to reopen my account 24 hours later, but would not trade my points back.
U.S. Collections west contacted me at the place where I rent out a space for employment. Once then identified themselve I asked them to not contact me at that number, I provided a contact number with my home address where I can be reached. This was on or about the XXXX of XXXX. I then receive a letter on the XXXX of XXXX for this debt to my place of employment. Now where I rent the space of for my employment is in jeopardy because of this.
Calling from paypal credit, I receive a call every other hour about 5-6times a day everyday.
Here we go again with Equifax openly admitting to Placing fraud on my credit report. First of all my wallet had been stolen in my wallet was my social security card, drivers license and email addresses. Additionally my postal address had been forwarded and I have recently corrected these issues including getting my email addresses correct. EQUIFAX has already been notified and has received law enforcement documentation and FTC Identity Theft Affidavits for each account that has been mentioned and discussed as fraud. Equifax deleted these fraudulent accounts to comply with the FCRA laws since they have been notified of fraud. I then check my reports today and see EQUIFAX has placed one of the accounts that I never applied for and already marked as fraud BACK on my equifax report. Again these are FRAUDULENT. I am a victim of Identity theft, you have received documents from Law enforcement agencies. You have received FTC Affidavits explicitly explaining the crime and how i became a victim. By Placing fraudulent information on someones credit report and not advising the consumer you are placing this fraud knowing its fraud is against the law. 

You placed an account for XXXX XXXX which I never applied for back on my credit report. Again this account is fraudulent, This account was already deleted. You have the amounts incorrect, you have the account numbers incorrect XXXX has already been notified this was fraud. This was applied for with an address I have not ever lived at. They advised me the last payment made was from a " XXXX XXXX '' Which I have never been associated with. I want this account blocked from my file immediately. You can't place fraud back on someones credit reports especially when this account was already listed in my previous FTC Reports i have sent to your agency.
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.