WillisBack/dataset-financial-user-claim huggingface dataset:
GC Services is handling my defaulted student loan. They will not come up with a repayment plan without asking me for detailed financial information, to include my most recent pay stubs and tax returns. They were talking about wage garnishment or a monthly payment in excess of XXXX-XXXX dollars for something called a Loan Rehabilitation. Their phone calls are non-stop and from several different telephone numbers. 
I want nothing more than to get this back on track as it is killing my credit rating. I am sufferning over this but really want to settle on a reasonable monthly payment, not what feels like a car payment. 
I have XXXX young children and many expenses, including a mortgage that is nearly XXXX dollars a month. The monthly payment I had before this went to GC would be affordable now. I wish there was a way to agree on a reasonable payment without handing over all of my financial information.
Midland XXXX is on the credit report and on the XXXX reports, not XXXX & XXXX. Midland started this mess and now want to push it to another company. All this about their rights, what about my rights. This is XXXX debt that is XXXX XXXX XXXX and they are passing it around like it 's some kind of XXXX mine. This is wrong and they should not be allow to do this to anyone. It started off with XXXX, Midland, and now some company call XXXX XXXX XXXX this is crazy. I still the same person that feel like is so wrong, all these company is doing passing the buck around ; and saying they have the right to add more time to a XXXX XXXX XXXX debt. Who would want to keep doing this? This is crazy, I 'm a person that you are sharing my personal information to other third party company is not right and should be against the law to do the thing that your company are doing to a person. I did not give you person or your company permission to share my information with anyone. If you have any paper that show that you have contact about selling my information or given contacting me about you have this debt and I knowledge you about this account. The answer is NO we never spoke or have and paper work that say that I was aware you and your company.
Wells Fargo claims there was a clear title when modification was obtained. Have furnished supporting documentation from Wells clearly showing they delayed finalizing my modification due to title issues. Title clearly has these liens even then. Liens were put on in  XXXX .and 12 2 years prior to modification.
Now Wells Fargo states they can not do a modification nor principle reduction which   XXXX   XXXX   offers due to these same liens that were there years ago. ( letters attached showing Wells Fargo refusal to assist in any way due to prior modification and any other excuse they can come up with ) they state all liens must be cleared prior to a modification.
How did I get the last one, why has Wells Fargo put a claim in with the title company for the errors made by title and Wells?
Why did Wells deny my right to contact the title company concerning these errors?
Why has Wells refused any help since I asked close to a year ago.
Why is it that there is no protection for homeowners again?
How is it that Wells collected on a title error for the loan and I cant get assistance?
This is a detailed response to the previous complaints that have been submitted. Navient was in violation of the FCRA and I would like for the item to be removed. The information requested has not reached me and the time frame has been well passed. As a result I am asking for the cfpb assistance to have them abide by the consumer rights law and remove the item from the credit report.. On XXXX XXXX 2017 the debt validation letter was delivered and signed for by Navient. The letter was sent from me with my current address via signature confirmation and certified mail. I waited and never received any of the requested documents. I allowed them, the law required, time frame to respond and then sent in and update and resolution assistance through CFPB. Although a response was given, stating that they printed a letter on XXXX XXXX. The address however on this letter did not correspond with the one that was submitted as my return address in my original debt validation letter. I have yet to receive the information requested and this has placed them in violation of the FDCPA Section 809 Validation of debts [ USC 1692g ]. Based on the rules established under FCRA Section 809 ; which states that if they have not validated the debt within the 30 day time frame : 1 ) they are not allowed to collect the debt 2 ) they are not allowed to contact you about the debt 3 ) they are not allowed to report it under the Fair Credit Reporting Act. Doing so is a violation of the FCRA. Based on this and supporting documentation, I am requesting your support to resolve this matter ; which is to have the item removed from the credit report please. Thank you so much for your support.
Transunion I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine.
XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX Present Employer : XXXX XXXX There is no XXXX XXXX plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the Bureau was confirming this names they would no there not right there is no XXXX XXXX as stated. XXXX is all XXXX  which they have several there not no XXXX  company.
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  no such address nor have I ever live there.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX wrong this is a condo not an apartment Transunion updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
On XX/XX/2019, I sent a Notarized Affidavit to Midland Credit/ Funding regarding an account that was reporting on my credit report that did not belong to me. In the affidavit, I advised Midland Credit/Funding I had no contractual agreement with their company an that the debt did not belong to me. I recently received a letter from Midland Credit/Funding stating that they intend to file a lawsuit against me as well as obtain a judgment if I did not contact their prelegal department. In addition, the letter threatened to garnish wages and obtain a lien against my property. This action taking by Midland Credit/Funding violates the Fair Debt Collection Practice Act 807,808, and 809. I have yet or ever recall receiving any initial communication or validation regarding this matter. I expect Midland Credit /Funding to immediately remove this account from all three consumer reporting agencies.
Company called me on XX/XX/XXXXsaying I owed them approximately {$220.00} for medical debt from XX/XX/XXXX. I requested that they mail me a letter explaining the debt and contact information for the party claiming I owed money. The agent, XXXX XXXX refused to send a letter saying that " this is a courtesy call prior to us initiating legal action, you already know about this debt ''. I stated that unless they wished to send a letter validating the debt, to not contact me again. This action is a violation of the FCRA and federal and state collection laws. I received another call on XX/XX/XXXX but nobody spoke for 10 seconds and then hung up. I have made two attempts to call back to resolve the issue but nobody answers the phone. I attempted to resolve on XX/XX/XXXX and XX/XX/XXXX
We are having problems with US Bank holding our checks until after the due date and then charging us late fees which we refuse to pay. We are trying to refinance with a different company and are at a standstill until we get this situation resolved. We have called them regarding this and have gotten the excuse that the mail is really slow because it is tax time and the post office in XXXX XXXX is backed up like it is XX/XX/XXXX. The funny thing is that this has been happening for the last 5 months. XXXX at US Bank said that they do not hold checks. I beg to differ. The phone conversation that I had with her on XX/XX/XXXX was recorded by US Bank and should be used as evidence of the phone conversation I had with her. I have contacted a local branch manager as well and he said that payments are processed by check date or when cancelled by the post office. He said he would look into it and get back to me within 24 hours or by email. That was on XX/XX/XXXX as well after I talked to XXXX at US Bank. I left one message with an actual person but I have not heard from him and every time I call the branch now I get a message that they can not talk right now with no option to leave a message? Our XX/XX/XXXX check was mailed on XX/XX/XXXX and USBank did not post it to our account until XX/XX/XXXX which is one day after the grace period has ended. I am pretty sure that it does n't take 11 days for first class mail to get anywhere in the US. My husband works for XXXX and I am a XXXX. I tried calling the mortgage manager and the customer service manager at the XXXX phone number. Again I have left messages. No one has returned my call.
Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week. 
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either.
XXXX XXXX has made several calls to my place of employment even after I left her a voicemail asking her not to do so and to call my personal cell phone. I called to make a payment and she never returned my call. She is a rude person and a bane to humanity.
My personal information has been used XXXX I found 18 Hard Inquire In one year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX TransUnion hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {$2200.00} that I 'm working on trying to get off my credit as we speak I did a father account did a police report TransUnion game medical XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX
I signed up for a gym membership and months later cancelled on XX/XX/2015. However, I was still being billed and am still being billed for this membership even today. I cancelled this subscription in person at the gym, and the gym told me it would take only 30 days to take effect. When I called Chase to explain I was still being charged, they acknowledged my calls but never stopped the merchant from frivolously charging my account. Chase has not adequately protected me from this fraud.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX XXXXXXXXXXXX XXXX   XXXX ( duplicate reporting ), XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Mariner finance in  XXXX ,  XXXX  sent me a check for {$1200.00} in  XXXX     2017 even I did not applied for any loan. Any how I used the money. I got sick and admitted to the hospital for two months, and lost my job. My friends told me to consolidate bills as I am not in a situation to pay off my bills.I informed all the institutions about my intention.Every body stopped calling me except Mariner finance, and now they are threatening me to file a law suit against me. I even sent the letter to the branch manager and to the regional manager that I am in contact of debt consolidation but they neglected my letters and shared  my personal information and details of my loan to all of my family members.It hurts me a lit and give me a mental tension.I request to the agency to shut down their office as they are violating the consumer protection act. I have all the witnesses and letters with me I sent them. I also request you to stop them by harassing me through phone calls.
On the XX/XX/XXXX, I attempted to make a purchase of XXXX USD of  Ethereum on Coinbase. Coinbase rejected my purchase ( directly linked to my XXXX XXXX account ) due to " insufficient funds '' in my account. First, I did not have insufficient funds, but secondly, and MOST importantly, the XXXX USD was still withdrawn from my account by Coinbase in a wire transfer. I never received the Ethereum. 

Two days later, I called Coinbase and was immediately informed that this was a " glitch '' in their system. The customer service representative kindly informed me that Coinbase would wire me the full amount in 3-5 business days. After 6 business days, I called another representative, who informed me that because of issues with banks, the transfer will actually require 10 days. After day 11, I called again, and was informed that nothing has happened, but that " a case specialist '' is working on my case. 

I called back a day or two later, and they asked me for pictures proving that the money was actually withdrawn. After rendering the pictures, I was informed that I would be receiving the money very shortly. I called back a day later, and they informed me that after sending my pictures, the company had " escalated '' my case, but due to large volume of " new users, '' it might take some time. 

I finally called back on the XX/XX/XXXX, inquiring about my case. The customer service rep informed that there were no new notes, and that actually, a case gets " escalated '' the second that a rep and customer file it in the system. This is problematic, because it means that by submitting pictures of my account, nothing new actually happened, and it appears that I'm no closer to a resolution and a return of my XXXX XXXX. 

As of now, Coinbase has {$1000.00} of my money, without justification or purchase on my end.
Around XX/XX/XXXX my credit card with chase was shutdown without any notice to me. I had been a long time cardholder of many years with them, and when I called support I was told my account was closed due to too many credit limit increase requests and returned payments. Unfortunately I had accidentally used the wrong bank account for two or three payments over the span of 2 months, but I immediately rectified the issue by doing a new payment from the correct bank account. Around this time in XX/XX/XXXX, I had made two large lump sum payments because I realized the last payment I had done a week before, was bounced. I did not attempt to use my card after the two large payments went in. A few days later I did try to use my card and realized the account had been closed the day AFTER my payments went through. In essence, Chase essentially stole my money and shutdown my account because of an accident I made. They are ruthless and utilize draconian methods. They do not care about the consumer and my attempts to explain the mistake and the situation was ignored.
My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow account.
Im not sure what number email I am on. I have been dealing with a fraud case since XX/XX/XXXX that needs to be resolved and get me my money back. I have spent HOURS on the phone. I have escalated it, spoke with them, escalated it above that wanting a supervisors contact info. They could not give it out so she left me a voicemail and I have left her numerous messages with no response. Her name is XXXX XXXX. I notified the CFPB, federal reserve, and a few others. I was contacted by somebody stating my case had been sent to an escalation resolution specialist, her name is XXXX XXXX. I was told she was REQUIRED to contact me by XX/XX/XXXX, which of course never happened until I sent another email then got a call a few days later stating she had been out of the office and it was still being looked into and they would have resolution for me by XX/XX/XXXX. I STILL have not heard anything and it is XX/XX/XXXX I have left her 2 voicemails and nothing. The whole problem has been communication. I WANT MY MONEY.
On or about XXXX XXXX, 2014, I had suffer an injury while in XXXX and was treated at XXXX Hospital XXXX XXXX. I provided my XXXX New Jersey XXXX insurance information to XXXX Hospital. 
On or about XXXX 2014, I received a bill in the amount of {$540.00} from XXXX Hospital and soon thereafter it was reported to TransUnion credit agency as an unpaid debt. ( See Attach TransUnion Credit Report ) On or about XXXX XXXX, 2014, my insure XXXX NJ XXXX contacted XXXX Hospital advise them my bill was in full and on time, and they are to cease and desist billing me. ( See Attach XXXX NJ Letter dated XXXX XXXX, 2014 ).
In XX/XX/2019, I applied in store, for a Best Buy credit card. At the store I was not given instant approval. I later received a letter dated XXXX-XXXX-19 from Best Buy credit services, denying credit approval. At the time of application my FICO credit score, as listed with XXXX  and XXXX, was XXXX ( XXXX currently ). Granted this is not an excellent score, it is generally regarded as fair to good. I believe that this snapshot of my credit worthiness, as reflected with a XXXX, should be sufficient for one of the Best Buy credit cards. My full credit report reveals that there are not ANY derogatory marks. My payment history is at 100 % on-time. My debt to income ratio is very good. I have consistent work and address history. When considering the broader credit picture, as represented in a FICO score, I believe I qualify for Best Buy credit. I believed that I was discriminated against based on my older age and that I was treated differently than other, younger credit applicants, with lower FICO credit scores. On XXXX-XXXX-19 I wrote to Best Buy credit services and shared my concerns. I asked them to review and reconsider my application. I received a second letter, dated XXXX-XXXX-19, from Best Buy credit services, again denying my credit card application.
this amount was supposed to be final payment to XXXX for TV and internet. It is really nothing to do with the final bill. I paid my final bill with XXXX. I had a problem with my receiver and called the technician for help. Talked to a supervisor about the problem. I was told by her the receiver was supposed to work like that. I told her it never worked that way before but the problem just started a few weeks ago. She told me there was nothing to be done about this issue. I then canceled my subscription with XXXX and went to XXXX. They then told me I should have given them a chance to resolve the issue. I did give them a chance and they wouldn't help. So this {$71.00} dollar + change was for early termination. I don't owe an early termination penalty, because they refused to help.
XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I  received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.
An account from USDA XXXX XXXX XXXX is reporting as a collection/chargeoff/delinquent. 
This account has a {$0.00} balance and should not be on my report. The " account lender '' promised removal, but has not removed. 
This account appeared on my reports in XXXX XXXX but is listed as being late since XXXX. Everything about this account is incorrect.
Amazon is running a banner ad at the top right of its web site which states : " 5 % Back at Amazon.com & rewards everywhere '' next to an image of an Amazon Visa card. But when you click on the ad, it takes you to a page that says that it 's 3 % back at Amazon.com. This is false advertising.
MrCooper XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX The homeowner recently called in to MrCooper and was told on a recorded phone call to do a short sale. The homeowner immediately listed the property and the listing agent procured an offer. Now that we are trying to start the short sale in XXXX we are being told that MrCooper never had any intention of entertaining a short sale. 

**If you had no intention of reviewing for a short sale why was the homeowner lied to? 

**In Addition -- -- Prior to the homeowner calling in, neither the homeowner nor their attorney received any notification from MrCooper of foreclosure avoidance options. If you are going to tell someone on a recorded line to submit a short sale package, never communicate regarding foreclosure avoidance options, WHY are you denying them for a short sale BEFORE YOU HAVE EVEN LOOKED AT THE OFFER??? 

**MrCooper was very clear with what they wanted as far as submission for a short sale for this homeowner, therefore the homeowner did not misunderstand anything at all. I want the file reviewed for a short sale LIKE THE HOMEOWNER WAS TOLD WOULD HAPPEN.