WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from United Check Recovery Bureau, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX XXXX XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up XXXX '' The collector also called me at my office. He then disclosed he was calling about " XXXX XXXX. '' He stated the balance that he said that I owe telling me it was charged off in XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
I have a a XXXX interest only loan with NationStar. After 10 years the loan converts to a 15 year amortized loan. There are two years left in the interest only period. There are no prepayment penalties. 
I now have funds to pay down the principal by XXXX. I called NationStar and they said I could do that but simply needed to submit a recast request. I did so and received a written reply that a recast was not " available ''. When asked on the phone why not, the agent was unable to answer and unwilling to transfer me to someone who could.
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXXXXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
XXXX Credit reporting companies have the correct information for the same event. 

Experian has incorrect information. I called them and they would not accept a dispute as they put XXXX of the blame on XXXX. Called XXXX. They said they never create verbage whatsoever and that the blame is 100 % on Experian. CatchXXXX. 
The matter concerns XXXX mortgages that were closed with the following statement which is listed correctly on all XXXX credit reporting companies : " Account legally paid in full of less than the full balance. '' The dispute is because EXPERIAN ( ONLY ) lists the following additional information in my FICO report under " What 's hurting your score? : 1. Serious Delinquency 2. Accounts Ever Late = 2 Critical Notes : 1. I was NEVER LATE on any account 2. I was NEVER DELINQUENT on any account I have the name and number of the high level supervisor at Experian if requested.
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
I called TransUnion and XXXX, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
My loan was modified with a Hamp as XXXX XXXX. ( I have attached my Modification agreement ). Per my modification I was told that my New loan included all back payments owed which included interest, any fee 's and back Escrow, owed. I have made my payments except in XXXX lost my job, so instead of falling to far behind I entered into a payment plan that increased my payment {$700.00} a month to catch up for the one payment behind.I paid my payment plan as agreed, with hardship to my family, but I want to keep my home. My last payment on the plan ended in XXXX which they deducted from my account. This month when I went to make my original modified mortgage payment of {$2000.00}, Nationstar would not accept my payment and I was told I was late for my XXXX and XXXX payment because they had increased my monthly payment to {$2600.00}. They stated they did this because of my new Escrow analysis. When I questioned how it went up {$680.00} a month, when My HOI only went up {$180.00} but my real estate taxes went down a XXXX my payment should have stayed pretty much the same.Nationstar said that I was in the negative because they were going off the escrows dated back from XXXX. ( I have attached my Escrow analysis ). My dispute with them is that when my Loan was modified all these cost should have been included in my new mortgage, The note I signed did say moving forward my payment can increase/decrease due to escrows, I understand that, but it did not state that I owed back taxes and Insurance that would need to be repayed on top of my new modified payment. That is setting people up to lose their home. With My XXXX mortgage payment dated XXXX/XXXX/XXXX my escrows should have started at a XXXX balance or at the very least neg whatever the reserve requirements are. How can anyone afford such an increase, and if I am correct they will once again increase my payment next year, when they rerun my Escrows. Nationstar Mortgage has reported to the credit bureau that I am 120 days late, destroying all my efforts of my Credit repair, and have also stated if I do n't pay the {$3400.00} by the end of the month, my loan will have foreclosure proceeding started. I am devastated, I have a decent job and I am trying so hard to re-establish myself. Selling is n't an option my home is way under water. I believe that Nationstar mortgage has knowingly and willingly set myself and I am sure other Homeowners up to fall behind on their Mortgage payments and having to enter into another Modification process, which is the option they gave me. I need some help or an answer as soon as possible. I do n't have want to be dragged into the Modification process again, It took 7 years, Thank You Sincerely XXXX XXXX XXXX
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This debt has been disputed multiple times including asking the creditor ( XXXX ), debt collection agency ( XXXX ), and the credit reporting agency to remove the collection item.
This was a HELOC ; I paid the final balance IN FULL, then am told I need to pay {$85.00} to " pay off '' the loan, including a " late fee '' of {$5.00} ( on an account with NO BALANCE, and interest of XXXX cents. A " statement fee '' of {$25.00} and a " recording fee '' of {$36.00} This loan was paid timely, in full and regularly ; however, it was SOLD to a third party, Specialized Loan Servicing XXXX., who seems is in the business of generating fees when they ca n't generate genuine late payments. The amounts are small, the principle is outrageous.
I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bakruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
On XXXX XXXX I received notification from a 3rd party app that my credit line on Chase was reduced.. I did not receive any proactive notification from CHASE regarding that this change may be forthcoming. I contacted CHASE and told them the complete facts of my situation that I recently got married and that I have never been over limit or late on any of my payments however they stated that I would not get my old limit back. Unfortunately this has created a domino effect regarding my personal life as now all credit bureaus now feel that I am maxed out on these XXXX particular cards and that my situation has turned dire. My utilization which did admittedly get higher because of a recent marriage and all of things involved such as the ceremony now will get even worse causing all of my other lenders to thing I am not living up to my obligations.
XXXX XXXX 2015, WEDNESDAY XXXX TRANSCRIPOT OF CALL FROM NRS `` THIS MESSAGE IS A CONFIDENTIAL MESSAGE CONCERNING XXXX XXXX XXXX XXXX. 
XXXX XXXX CONTACT THE OFFICES OF NRS GROUP CURRENTLY WE HAVE DOCUMENTS THAT HAVE BEEN FORWARDED TO OUR OFFICE ATTACHED TO YOUR FULL NAME AND SOCIAL SECURITY NUMBER. XXXX XXXX THEY 'RE NAMING YOU AS A RESPONDANT CASE FILE NUMBER IS XXXX. 
OUR FIRM IS PRIVY TO TALK TO YOURSELF OR ANY LEGAL REPRESENTATION CONCERNING THIS MATTER BEFORE THE CLOSE OF BUSINESS XXXX XXXX THIS XXXX. CONTACT OUR OFFICE AT XXXX. 
OUR FIRM 'S BEEN RETAINED TO CONDUCT AN ASSET SEARCH. WE WILL BE VERIFYING WAGES, INCOME, EMPLOYMENT AND PROPERTY. 
WE 'D LIKE TO AFFORD YOU THE OPPORTUNITY TO CONTACT THIS OFFICE SO THAT YOU CAN DISCUSS VOLUNTARY RESOLVE. IN DOING SO WE NEED TO SPEAK WITH EITHER YOURSELF OR YOUR ATTORNEY NO LATER THAN XXXX PMXXXX ''
On or about XXXX/XXXX/16 my father instructed and provided his girlfriend with account information to send a quick pay to my account in the amount of {$2000.00}. At this time my father was alive and well, during the course of day on or about XXXX/XXXX/16 my father was murdered which was unknown to myself or the girlfriend. The quick pay was sent at some point on or about XXXX/XXXX/16 my grandfather became upset that he wasnt listed as a beneficiary and decided to make a fraud claim without in basis. The bank than proceeded to close accounts and send my father funds via XXXX. According to the bank on XXXX/XXXX/16 I went to provide death certificates and request rights of survivor-ship and beneficiary information my account was being frozen until the fraud department was finished with an investigation. On or about XXXX I went in back to withdraw funds from direct deposit from my employer and child support when I was notified by a teller that all my funds had been sent back, the remaining funds were sent via mail in form of check on XXXX/XXXX/16 to address on file. As of XXXX/XXXX/16, none of the funds have been received and my employer has stated that no notification of returned funds has been received. I have called the customer care and executive office for assistance regarding how Chase JP Morgan has mishandled my funds and account. Chase bank has not provided any instruction on how to handle an account in the event of a death, or rules that states you cant provide another person access to account if the customer wishes engage in such practice. Launching a fraud case without all the facts is bad business practices and causes a disruption in an situation that has no intention of anyone involved committing fraud.
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.
Citi Financial credit card company is refusing to credit my account for payments made for the month of XXXX. I submitted XXXX payment on XXXX XXXX, XXXX. I always call to verify payments went through. When I called, they said it did n't go through, they said I " had never used that account before. '' They would not tell me what account they were talking about or verify what account number they were using. I used an account I have used for years, which has more than adequate money to cover the payment. I resubmitted the payment, by phone, to the customer service representative on XXXX XXXX, XXXX. When I called on XXXX XXXX, XXXX, to verify they had made the payment, again it was not credited. I submitted the XXXX payment again, even though they still would not verify they had transcribed the account number correctly. On XXXX XXXX, when I called again to verify, it was still not credited. I submitted another XXXX  payment. You see, this is a XXXX interest account which will start charging interest if a payment is made late. Again, Citi refused to tell me the account number they were using or if they had miss written the number. Finally, I transferred entire balance to a different card and attempted to close Citi. They keep adding fees & will not close it. I never received a bill, either.
XXXX calls my telephone number about once a month and has for three years to ask or leave a message for a debt that I do not owe. In fact, they company asks for a person who is not me. 

They have indicated that they will remove my name from the database, but they have not.
My account was sent to collection I settled and paid the balance on the card on XXXX/XXXX/2016 with XXXX XXXX. When I contacted this company on XXXX/XXXX/16 I was told that they would send a letter out stating that the balance was settled and satisfied however that they do not update the credit bureaus American express does this and was provided with a telephone number of XXXX. I contacted American Express to speak with a young lady named XXXX who stated to me that I paid the on the account after my statement closed. When asked when my statement closed I was told XXXX XXXX, 2016. I made the payment on XXXX/XXXX/2016. Then she goes to states that the code for the settlement was not entered into the system as of yet. We are 3 weeks into me paying this company and you mean to tell me that my account is not updated. I want this problem fixed IMMEDIATELY and removed off of my credit with all XXXX bureaus.
I have been trying since XXXX/XXXX/XXXX since I talked with XXXX at XXXX pm to get Nelnet to make my loan one payment that will cover my interest and pay off my principle as well. I paid over the amount that was due and it did not even touch my principle instead what Nelnet did was " move '' my loan out according to them. Instead of paying once a month I ended up paying three times that month {$130.00} on XXXX/XXXX/XXXX and twice on XXXX/XXXX/XXXX {$200.00} and {$400.00}. I contacted Nelnet once again the following day with XXXX and was supposed to setup a payment once a month of {$610.00}. Supposedly Nelnet fixed the problem and pushed my loans into one payment. 
My payments were never set to the {$610.00} and finally in XXXX I contacted them again to fix this problem. 
On XXXX/XXXX/XXXX I contacted Nelnet yet again and spoke with XXXX about the issue of my loan not being the {$610.00} that its supposed to be as well as why I paid over on my loan group f and it never went down. I paid the {$480.00} they show online due at that date and it was posted on my account on XXXX/XXXX/XXXX. Once again today XXXX/XXXX/XXXX I received an email stating that I now owe {$510.00} and its past due somehow. Once again being charged 2 time in a month and not even for the correct amount. Nelnet does not show how much you have to pay in order to pay down on the interest they show an amount due but it does n't cover interest. They also have n't put any of my money that I pay over to principle. They say I have to check a box that is never there that says I do n't want to " push '' my loan out according to them. I have paid off many loans and continue to pay and have never had any issues like I have had with Nelnet.  They make it a nightmare to pay off your debt and continue to either over charge me or lower my payments so that interest accrues on my loan. No matter how I pay my loan my principle is not going down. This company does everything they can to keep charging you more and make it as confusing as possible to pay it down. Every other loan I have ever had in my life allows you to pay principle down after you pay your payment but Nelnet continues to " push '' my loans out and is doing everything they can to make sure that I do n't pay my principle.
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, Experian and XXXX reporting Acct Number XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XXXX 2016 Unknown XXXX 2016 Unknown XXXX 2016 30 days late XXXX 2016 Unknown XXXX 2016 Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Experian Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XXXX 2016 OK XXXX 2016 OK XXXX 2016 30 days late XXXX 2016 OK XXXX 2016 OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist.
payment not late, creditor calls XXXX a day starting at XXXX to XXXX.
TransUnion has reported a Lien on my account. 

The Company in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX. filed a lien on a fraudulent charge made in XX/XX/XXXX with their client XXXX XXXX XXXX in amount of {$940.00}. 

This merchandise was purchased by an individual in XXXX, Fl. I do not reside in that area of Florida. The original purchase took place on XX/XX/XXXX and my first notice of the lien was on a credit report dates XX/XX/XXXX. 

I have never received invoices, statements or advise of Lien from the parties involved.
XX/XX/2019 Consumer went through onboarding process to open a savings account at Marcus.com. After disclosing all information the application was refused. No reason was provided. 
Consumer immediately tried to respond via email ( as part opening the online account Marcus.com sent a PIN as part of the verification process ). The email bounced and no alternative email was provided. 
Consumer Called customer service and requested disclosure as to why the application was refused. Request was not serviced citing privacy concerns and no alternative path to a ) either provide additional supporting documents or b ) reach someone who could help were provided.
My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit, furthermore, I am a client too, because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or, they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm, but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent, because they are too lazy to do their job. 
3 ) In what I believe to be a retaliatory strike from earlier complaints, Equifax removed my positive credit history along with the fraudulent accounts! 

I thank you your department for your prompt attention to this matter.
Seterus is the service of loan in my fathers name who is deceased. 
They are attempting to foreclose on the property. 
I am offering to bring the loan current and continue to make payments however they will not provide the payoff figures to me. 
I have supplied both the Death Certificate and POA of my mother, the surviving spouse.