WillisBack/dataset-financial-user-claim huggingface dataset:
I work for a XXXX XXXX XXXX, and Sequium Asset Solutions calls the direct line to my office at least 1 time per day, sometimes more. I was on vacation 2 weeks ago, and the caller ID registered at least 7 missed calls.
I have spoken to them on maybe 4 or 5 occasions, and they tell me that they are placing the number to my direct line on their " Do Not Call '' list. I have spoken with customer service representatives, and I have spoken to company supervisors. I last spoke to a " XXXX XXXX '' at about XXXX XXXX today, XXXX XXXX, 2017. 

I told XXXX XXXX that I feel harassed, especially because I have requested that they STOP CALLING my direct line.
I have disputed the late payments on XXXX XXXX Transunion refused to reverse the late payments.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. CFPB please step up and fix this ASAP
We have a cc thru Synchrony Bank for a XXXX XXXX acct. They offer 0 % fin. ch for 18 mths. I was paying {$180.00} instead of {$110.00} per mth. in case of unexpected future bills. In XXXX I divided the remaining 9 mths up and changed my automatic payments to {$79.00}. Shortly thereafter I rec 'd a late fee of {$27.00} ( which they did refund ). I was told {$110.00} was due each month and that SB does not change payment amounts to reflect over-payments. I now will be paying it off 3 mths early which is fine, but does not allow me the full 18 months promised. Every other bank I have dealt with has lowered the payments due to reflect payments made ( ie {$110.00} due in XXXX, {$180.00} payment made, {$61.00} due in XXXX ). Customers should not be fined for expecting to receive the payoff time allotted.
My wife and I have a Mortgage with Mortgage Clearing Corp. Our current issue is XX/XX/XXXX, we called them to see if there were any programs that had that would be available to use due to financial hardship. Our mortgage at the time was {$1800.00} ; this was extremely high for us. This amount was about XXXX % of our net income, which is against the law, according to the law ; rental payments should not exceed XXXX % of your net income. 
At that time I spoke with a XXXX and then the XXXX of the company. And we were told to start paying {$1200.00} monthly ; this would be a loan modification. That was great for us. We never received any formal documentation regarding the modification, but we continued paying the {$1200.00} as we were told by Mortgage Clearing Corp. 
We then filed a Chapter XXXX Bankruptcy due to financial hardship. Now, we receive word that our Mortgage will be {$2500.00} starting in XX/XX/XXXX. 
We were also told by our Bankruptcy Attorney that we are behind on our Mortgage due to only paying the Principal and Interest, and that the taxes were not included in our payment. Due to a lack of funds available for Property Taxes. We did make all scheduled payments for our Bankruptcy Plan and we thought we could move forward to financial stability. 
Now, because we were paying the wrong Mortgage amount and subsequently are behind on our mortgage, our Bankruptcy can not be discharged. 
We have been paying {$1200.00} since XX/XX/XXXX and have never received any type of correspondence from Mortgage Clearing stating we were behind on our Payments. Had we received anything we would have made the correct payments. 
We simply can not afford to pay $ XXXX monthly at this time. I am a XXXX XXXX XXXX and my wife is currently receiving Unemployment Benefits due to her being laid off from her job. 
We are just looking to be treated fairly and the Business Practices of Mortgage Clearing Corp are unethical and borderline illegal. 
We are hoping that someone can assist us with dealing with Mortgage Clearing Corp in a professional manner, and receiving a more manageable mortgage payment. 
Respectfully,
I disputed 2 accounts opened in my name with Capital One credit Cards. Never received any validation or signature opening this accounts in my name. Capital One deleted both accounts. I received a alert today they put them back on my credit without any notification. They never provided me with validation or a letter by law I am required to receive when a debt is being re-entered on the credit report.
I was falling behind in my mortgage payment, I received a letter from Caliber Home Loans offering financial compensation for a Deed in Lieu Foreclosure in XX/XX/XXXX. I was hesitant at first because I did not want to lose my home. I received another offer from Caliber for less money that the first one and after reviewing my options, I accepted their second offer ( for less money ) in XX/XX/XXXX. I was told I had until XX/XX/XXXX to leave the property and hand over the keys to a local representative. They offered me an extra week if I needed to to turn in the keys, which I accepted. It was n't until I handed the keys over on XX/XX/XXXX that they told me that they would now have to " investigate '' my personal finances to see if I had other properties and I would have to wait 4-6 weeks. This information was not told to me at the beginning of the process but what could I do, the keys were already turned in. I would call Caliber at least once every week to check on status of the process with little results or information. On XX/XX/XXXX I received a letter form Caliber Home Loans stating that my application was being held up because records showed there was a junior lien on the home by the state of Arizona. After talking to the state tax department, they assured my that there was not a lien on the home. They did tell me that there was at one time a lien on the home for tax purposes back in XX/XX/XXXX but the lien was released once the back taxes were paid in full. According to the letter I recieved from Caliber, I had 30 days from the date of the letter ( XX/XX/XXXX ) to respond and clarify the problem holding up the process. On XX/XX/XXXX, I faxed the necessary paper work from the county recorders office stating that the lien was released in XX/XX/XXXX over to Caliber. Upon faxing the lien release, I called Caliber to verify that the fax was received, I was told that it was and that a manager would call me later that day. There was not any call from anyone from Caliber that day so I called back on XX/XX/XXXX and spoke with the manager about my matter. According to the manager, my application was to be denied even with the lien release being submitted to them way before the 30 days due to the fact that the property foreclosure date was scheduled to be the following Wednesday ( XX/XX/XXXX ). I feel that I did everything asked of me and followed all their directions in a timely manner and before the foreclosure date. There are multiple phone calls that were initiated by myself to see if there was anything that can be done on my side to try to avoid something like this. One of the representatives even advised me to get back the keys and try to negotiate a cash for keys instead of a Deed in Lieu. I feel I was just given the run a round this whole time and I let the manager know. I was told to by the manager to write an email to her boss to see if there is anything that they could do. I have lost faith in the system.
A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. 
My husband was also on the collections letter, but was not on the lease.
Synchrony Bank contacted Lowe 's even though I paid Lowe 's years ago, have a zero balance, to have my account closed in retaliation. I paid the Lowe 's card off early and the last payment was for over XXXX dollars in 2013. I have other active Synchrony credit cards that have a balance that have no issues. The issues started with Synchrony Bank regarding a Walmart credit card which I paid for years.
I am continuously having problems with my Mortgage Company, Ditech. I have had this mortgage for about 15 years and it has been " sold '' to a number of companies over the years with no issues. It then went to Ditech and I am at my wits end in trying to figure out what these people are doing and I can not get a simple answer from them regarding where they get their " figures '' from. I lost my job and was unemployed for about a year but got rehired and all is ok now. Obviously, being out of work for a year put a tremendous strain on our finances and we are still trying to play catch up. I missed a payment in XXXX and again in XXXX or XXXX. I made XXXX payments back in XXXX and as far as Im concerned, should be caught up but everytime I turn around, I owe them more and more money. I told them back in XXXX ( for the 10th time ) that I 'm doing the best I can and that my payment of {$1900.00} a month is a stretch but I 'm doing it. They then proactively decided to help me, kept me on the phone for a half hour and gathered all kinds of information about my other bills, income, etc. She then came back all excited and said " I was approved '' and her answer to my problems was a " repayment plan '' which then changed my barely unattainable $ XXXX monthly payment to {$2700.00}! Going in the wrong direction!!! So, being that I was one month behind and my mortgage is almost paid off, I paid the {$2700.00} in XXXX and XXXX and then I get a letter telling me I 'm in default and I have till XXXX to pay {$3100.00} or they will take my house! What? So I borrowed money from my in-laws and paid the {$3100.00} on XXXX. So I just went online to pay XXXX mortgage pymt and the website says payment due is {$3900.00} and wont even let me change the payment amount to anything less than that. Where does this come from? I missed XXXX payments in 15 years! Made up XXXX of the payments within 3 months and have paid close to three times the amount of the XXXX payment and I 'm still behind? I expressed my anger to the " loan manager '' earlier this week about these fees and this money they keep demanding and threatening to take my house for. No explanation, just that I am " current '' on my " repayment plan '' which means with all of this money I have now paid, they still want me to pay {$2700.00} a month instead of my original {$1900.00}! I asked her why I had to pay {$3100.00} then if I still had to pay this ridiculous " repayment plan amount ''. Her answer was that she does n't work in collections so she could n't help me. I literally have {$8000.00} left to pay and I 'm done! like XXXX payments! and I have spent a fortune in interest for years. Now that Im paying all the principal and almost done, they are making up these insane amounts because they are n't making any money on my loan! So my XXXX payment behind ( {$1900.00} ) has resulted in me paying them an additional {$2600.00} since XXXX and they are telling me Im still one month behind and my current pymt due is {$3900.00}!!! Please help! They are taking my money and crediting me nothing.
This is getting ridiculous. TransUnion sent a correspondence claiming to have concluded the investigation for my dispute against the said debt purported by XXXX XXXX as valid. I have submitted copies of all my letters to XXXX initiating billing disputes. XXXX XXXX has violated the Fair Credit Billing Act. At best, this matter boils down to a billing dispute initiated by me before voluntarily canceling my service. XXXX has yet to acknowledge my billing dispute and just keeps sending me unaltered copies of the final bill. It 's like I 'm " talking to a brick wall. '' This is willful ignorance. I use plain, straightforward language in my correspondence, and I 've submitted it to XXXX, TransUnion XXXX. XXXX XXXX has unlawfully reported this account intending to affect my credit rating and willfully reported me as delinquent. This is grossly inaccurate. I have submitted a request for full disclosure of the investigative process carried out by XXXX to verify said debt, and sent a copy of the letter to XXXX XXXX corporate headquarters in New Jersey. I have filed an FTC complaint against XXXX XXXX. 
XXXX XXXX has committed several violations of the FCBA and FCRA, including but not limited to, threatening my credit rating, reporting me as delinquent, willfully failing to acknowledge my billing dispute, failing to apply/post credits, charges for goods and services you did n't accept or that were n't delivered as agreed, and unauthorized charges for data when I only agreed to start service under the promise of an unlimited data flat rate plan for XXXX phone line. TransUnion has equally violated laws protecting against that to which I 've been subjected because they have failed to decide this matter according to law. My documents clearly show that I have initiated my billing disputes timely and properly. The mere submission of a bill statement from XXXX is legally insufficient as peremptory evidence that the XXXX account balance is accurate. That just gross bias. My documentation is not being taken seriously. My complaints are not being taken seriously and meanwhile XXXX XXXX is still wrongfully report me as delinquent and has never even so much as acknowledged my billing dispute.
Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.
The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.
I have a XXXXXXXX XXXX credit card. I have fallen on hard times do to XXXX XXXX XXXX. XXXXXXXX XXXX actually breached my information by calling and harrassing a girl I work with who's name is literally 1 letter different than mine. Obviously our dates of birth were different. I am extremely upset over this situation and the collectors are very rude and are harrassing my mom as well as calling from 15 different phone numbers several times daily.
Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX. closed accounts # XXXX, and XXXX. A request to deleted these accounts was submitted to the three major consumer reporting agencies during the next reporting. However, these accounts which were deemed as fraudulently open are still reporting on my credit file. In spite of that, you have also exceed the 30 day period to credit agencies to investigate disputes additional were given to resolve this matter. Your company as well as XXXX both received a notarized copy of an identity-theft report and identity affidavit. Further collections were terminate then deleted without coincidence with XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages of these accounts are not deleted. Please be advise that this is also a prominent offense of defamation whereas misrepresenting my name with debtors I am not associate with. You have 15 days to deleted this accounts otherwise there shall be legal action taken. 

Thank you..
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} XXXX XXXX Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 
These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
My previous auto financing company is reporting a charge off that is negatively affecting my credit report. I have always disputed the validity of this debt. Recently, I was awarded a class action settlement against this auto financing company for discrimination in auto financing. I believe that this debt was a direct result of the companies discriminator lending practices and I would like this negative reporting removed from my credit report.
In XXXX I paid XXXX XXXX a {$500.00} deposit for a XXXX Back-up Battery for my home. On XXXX XXXX, XXXX I paid an additional {$3000.00} as deposit prior to installation. All were processed though Pay Pall but as a guest. I do not want Pay Pal, I do not need Pay Pal and my friends & children have had problems with payments processed through Pay Pal. I just want to pay my bill directly to XXXX! This past Friday ( after the installation was complete ) I tried to pay my final bill of {$4000.00} in the same manner as before and I received : " Things do n't appear to be working at the moment. Please try again later. '' On Monday, I called XXXX & was told all was in order & that they had approved the payment but the problem was with Pay Pal. After dialing through the phone tree, " XXXX '' told me : " that this was deemed a " risky transaction '' by their computer. '' I asked for a supervisor and was told : " There is no appeal! The computer ruling is not changeable! '' I was told that I must join Pay Pal and that I must process the payment as a member. THIS APPEARS TO BE SOME SORT OF RESTRAINT OF TRADE OR FORCED PAYMENT JUST SO THEY CAN COLLECT THEIR COMMISSIONS ON CREDIT CARD PROCESSING. IS N'T THIS ILLEGAL?
Reason ( s ) for complaint : 1 ) Navient cashed my tax return cheque after I settled my student debt. 

2 ) Navient refuses to prove the tax refund was sent via mail to my home. 

My debt with Navient was resolved before I filed my taxes. Navient received my tax return on XXXX XXXX, 2017. They supposedly mailed it out on XXXX XXXX to my home. I called to verify a week after XXXX XXXX and the lady replied that yes, it 'should ' have gone out. Over three weeks have exceeded from the initial mailing date and Navient still refuses to provide any additional information. I have received several pieces of mail from Navient within the last few months, but the cheque still has yet to arrive and Navient refuses to work with me. Customer service said it should take 7-10 business days the first time I called. Then they said two week the second time I called. Now they said I have to wait at least thirty days. I feel they are trying to put me off so I would give up and they will keep the money.