WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.
I have had 3 accounts with stores tied into comenity capital bank. That being victorias secret, XXXX XXXX XXXX. I had placed orders for victorias secret & XXXX XXXX  then ended up in hospital. I never got the orders & called & told them that ... both were nice about it & said they would remove charges. Comenity Banks tells me different & I need to send in letter telling that. They apparently put orders in mailbox without signatures which is stupid but that way they dont have to verify anything just nail you for items you didnt get. Then XXXX XXXX I called to make a payment on XXXX XXXX with my paypal XXXX & it was kicked out because they dont except any paypal card. So I said I will pay the card off with my debit card & woman said will you also have a XXXX payment due would you like to pay them both & it be paid off I said ok lets do that. So I paid {$120.00} on my visa debit & they want to say it was never paid & to send them a copy of it. I had been told by one of comenity bank employees after I had sent in letter saying I never received the prior orders that the were going to say they never got the letter & she was right ... they said they never got the letter & funny thing is before I was told that a male employee had told me they had recieved it & it was being investigated. They like to lie obviously to make sure they can XXXX customers out of money. They have placed all this on my credit & I have proof I paid it off ... right here! 
XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Statement for Account Number : Statement Period : XXXX XXXX XXXX/XXXX/XXXX XXXX : Signature purchase from XXXX COMENITY CAPITAL BANK XXXX {$120.00}
My husband has a private and federal loan with  Navient. We have struggled off and on to make payments this year. Navient will call each of us up to 10 times a day. When we do answer the phone they are not helpful and do not offer us any other options except to just pay the loan and then they will stop calling us. Now they have reached out to my husbands parents. They are not on the loans an d have never been on the loans. We do not even know how they obtained their information. They called them on a cell phone number with  XXXX   XXXX . They are harassing us and now they are harassing our parents.
I RECEIVED A COURT DOCUMENT ON XX/XX/2016 STATING I HAVE A MAGISTRATE HEARING ON XX/XX/XXXX AT XXXX COURT. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX AT EXT XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.
I have never done business with HP Sears. I have never entered into a legal binding contract with HP Sears and you can not report to the credit bureaus if there is no contract with the company. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX  XXXX. 
If no validation is provided, proving I have never signed into any legal binding contract with HP Sears, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. Again, I would like to see a legal binding contract between HP Sears and myself confirming I owe referenced, reported debt. If HP Sears can not provide a contract, I want these items removed from my credit reports with all 3 major bureaus.
Applied for a loan through XXXX homes. I was told I needed {$3000.00} down for a VA loan for the home I was applying for. The housing devoleper says I 'll get extra money if I go with their lender Wells Fargo. I agree and start to fill out the paper work. Later find out that I did n't and was n't supposed to to put down {$3000.00}. I need {$0.00} down with the XXXX Next Wells Fargo has XXXX different loan applications open in my name. XXXX different numbers. I have to redo paper because of an " error ''. I saw on the new they were being sued and looked into it and made some phone calls and found out how scary bad they were and awful they could be to their customers. They call me about more paper work. A letter explaining why I save cash in a safe at home and borrowed money from my mother for convince to make a deposit on the house. They did n't like the way it sounded so they wanted me to lie and say it was a gift from my mother. Their reasoning, it would make it easier on them. I did not feel comfortable lying or frauding paper work to buy a house. They were persistent about it in my opinion. Being a XXXX veteran and having very limited income I feel like I was conned out of my savings. I also feel like they used me to make it look like there are more loan applications and then they wanted me to lie to hurry the paper work along.
I have been trying to obtain a full disclosure report with XXXX from LexisNexis since XX/XX/2017. After 5 calls to customer service I have yet to receive a copy of this report. I've spoken with several agents who assure the report will be either mailed or emailed within 7-10 days.
I pulled my own credit report on XXXX XXXX, XXXX. American Collection Enterprises , Inc. ( ACEI ) of XXXX, VA is reporting a debt to Equifax from a childcare company that I used in XX/XX/XXXX. I am aware of the childcare company, and used that company, but was not aware that there was an outstanding balance. During my call, I advised ACEI that I was not aware of the debt and asked if there was something they could provide me regarding the debt. I was told by the ACEI rep that they do n't have to provide me with anything because something was sent to me in XX/XX/XXXX. Further, their rep stated that since they are reporting it on my credit report every month, that is all the verification they are required to provide. I advised them that it is now 5 years after the supposed letter was sent to me, that I never received it, and asked if they could please send me something, anything, that indicates I owe the debt. I was refused again and referred to the fact that they only have to report it on my credit report. I sent a certified letter asking for more information and the letter is thus far undeliverable. I used the address as found on the Better Business Bureau. They provide no address whatsoever on their website, only a form to fill out. I am only requesting they provide the minimum amount of information that verifies that the original creditor ' says I still owe this debt. I believe that I do not. I do n't feel that simply reporting it on my credit report is proof of anything. If they ca n't provide this information, then I would like them to remove the entry from my credit report. I have also reached out to the daycare company via email ( one that I retrieved directly from their website ) and it was returned undeliverable.
On the XXXX XXXX XXXX of this year, I entered into a payday loan with Speedy Cash for {$860.00}. I have made four payments to date, totaling {$470.00}. Today, I called Speedy Cash to find out my pay off balance. While on the phone with the customer service representative, it was discovered that my loan is an illegal loan, because I am a resident of New Jersey. Speedy Cash by law can not do business in the state of New Jersey due to their loan practices. They then proceeded to say that I fraudulently applied for the loan, and this is absolutely untrue. During the application process, you must provide your drivers licence information. I provided my correct driver 's license information with my current address in the state of New Jersey. They continue to suggest that I was fraudulent in my application. Again, this is untrue. I am requesting your assistance with respect to the resolution of this illegal loan. I offered to pay the original balance minus the payments I already mafe ; however, they denied the offer, please help.
In lat e  XX/XX/XXXX , I applied  for a loan modification wi th Ocwen Mortgage as m y family lost an income. I was behind in payments about 3 months but I offered to pay the amount in full during my modific ation application process. Ocwen advised they would my defaulted payments to the end of my mortgage so no need to pay anything at the time. Each time I applied and followed up with Ocwen, they were " missing '' something. I think the first time they were missing my income verification which I sent to them 3 times. My husband had monthly calls with Ocwen and was not advised of anything being a problem. However, during these calls, Ocwen would advise that my pending application had expired and I had to apply again. I applied 3 t imes and again, they were always missing something when my husband had his monthly call with them. I believe th e 2nd application was missing tax returns which I sent over multiple times. Every time we spoke with Ocwen, they  advised my modification was under review. In   XX/XX/XXXX  , the new owner of my house that was foreclosed on and sold at auction showed up at my  front door. I called Ocwen and asked why we were n't notified that we entered into foreclosure the 20 times we talked with them. They did n't have an answer. I believe they sent a certified letter about  a month before but I never signed for it. My mother, who lives with me and has  XXXX ,  may have signed and k ept the letter but we never did find it even when I had to vacate my mother, mother in law and  XXXX  children. Every time my husband spoke wit h Ocwen, he asked  about foreclosure and he was advised we were NOT being foreclosed on and they would give us plenty of notice. Again, I offered to pay what I owed in arrears b ut Ocwen sugge sted each time that they prefer to add what I owed to the end of the mortgage. Not only did I lose my equity in a house I owned for 13 years but I no longer have an impeccable credit history. Fortunately, I found a landlord willing to take a chance on me and live in a very nice home with my children and mother. In fact, my landlord asked if I would please renew my lease as he wishes all his tenants were like me. I only mention this because I went through such an ord eal with Ocwen and feel like I was blatantly lied to every time I talked to them. The emotional toll this has taken on my family is beyond measurable.    Thank you,    XXXX   XXXX   XXXX
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and TransUnion Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, TransUnion and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of  Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, XXXX and TransUnion to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter ; Balance reported {$6800.00}
I applied for a mortgage with the First Time Home Buyers Assistance Program with XXXX XXXX of Watson Mortgage. I was transparent with him about that fact that my previous home had been foreclosed three years prior. He told me I still qualified. He had me go through the entire process which included placing an offer on a home, paying for the inspection, credit report and appraisal which totaled {$940.00}. When it came to the last two weeks ( at this point I was two months into the process ) he notified me that my income was too high for the down payment assistance program. He said the reason for this was that my loan had to be changed from an FHA to a Conventional due to the foreclosure ( which I had told him about during our very first conversation two months prior ). Without the down payment assistance I was not able to purchase the home. He was aware during the entire process that I would n't be able to purchase the home without the assistance. I spoke with XXXXXXXX XXXX superior who informed me that although XXXX was wrong in putting me through the process, he would not be refunding my expenses. At that point he gave me his superiour 's name and phone number. I called and left a voicemail but he has yet to return my call.
On  XXXX   XXXX ,  2017 , I submi tted a certified HIPAA validation letter to PMAB , LLC for an account that is still listed on my  XXXX  credit report in the amount of {$890.00}. My letter specifically requested for validation of the debt by providing me with something that shows my signature giving my permission to the medical facility/provider to release my information to a third party collection agency and received an itemized bill but nothing containing my signature. This is direct violation of many HIPAA laws and I am requesting to have this debt removed from my report because PMAB failed to provide validation of this debt. Also, the debt was previously removed from my   XXXX   XXXX   XXXX   report due to failure of this company providing validation of the debt.
I am not aware of what this debt is about. I saw this debt on my report, it was removed last XXXX and I now see it returned a few months ago.
New American Funding has not processed my lien release paperwork. I paid off my home on XXXX/XXXX/16 and was told it would be XXXX60 days for the paperwork to get through XXXX XXXX. I recently was told they actually had n't filed that paperwork until XXXX/XXXX/16. And was told today ( XXXX/XXXX/16 ) that it was still being processed in their system. I want the lien released and am tired of being lied to.
I had a vehicle title loan in XXXX with PLS on XXXX XXXX in XXXX Wisconsin. The title loan was paid off and the title was handed to me in person. I then went to the XXXX and received a clear title with the paperwork PLS provided. 2 years later I received a threatening phone call from " XXXX XXXX XXXX, XXXX '' stating I owed on a installment loan which I never had, A PLS employee at the store where the a ledge loan was taken out told me the prior employees took out loans in other peoples names and keep the money. The store was closed since this happened and my credit has been destroyed. I have asked for copies of the paperwork and PLS refused. Today ( XXXX/XXXX/XXXX ) I spoke with XXXX at the corporate office ( XXXX ) XXXX, they do admit they had a problem and would look in to it for me. This is a XXXX, I myself am a XXXX in the XXXX. Please give me a hand clearing my name and credit, I should also be provide compensation for the financial damages to me. I look forward to working with you. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
I received a call from Navient requesting payment. I informed them I had not worked all summer and wanted to do a {$50.00} deferment process. The first person told me that if I paid {$50.00} on that day it would bring my account current. So, I did. The very next day I received ANOTHER call requesting that I bring the account current. When I explained to the man he told me " it had not been processed correctly '' and informed me he would take care of it. 
Today, the 3rd day in a row I 've received a call from this company, I was told that the {$50.00} payment ( which CLEARED my bank on XXXX/XXXX/16 and WAS NOT RETURNED ) had been reversed on the XXXX. I checked with my bank and they confirmed it had been paid and was not reversed or returned. 

If there are any late fees due to the negligence of these last XXXX people, I am requesting they be either waved or dismissed considering that I DID PAY TO BRING MY ACCOUNT CURRENT.
The XX/XX/XXXX I spent XXXX DKK ( Danish Krones ) on Etherium ( ETH ) on the website " Coinbase '', which worked fine. Then I sent them to XXXX, in order for me to purchase Ripples ( XRP ), and here my trouble started. XXXX states the wallet where my money was sent to will not function before the wallet has been funded with XXXX XRP. XXXX states that this will be funded within an hour and in rare cases more than that. I have now been waiting for 5 full days and have heard nothing from XXXX, nothing from Coinbase and my money/ETH is caught somewhere in the digitital world. 

I have heard that you have resolved other peoples problems with these specific companies so maybe you can help me? 

Best regards.
My mortgage documents are showing an audit and voluntary repurchase agreement in XX/XX/2013 from XXXX. The servicing has been transferred 2 times since then.XXXX  does not acknowledge these documents. After demanding paperwork and making previous complaints, I just recently was told of their existence .I believe we have been defrauded by all the major banks who held this property.After I questioned Mr. Cooper they transferred me to XXXX XXXX  XXXX..As of XX/XX/XXXX the loan number is the same under XXXX XXXX XXXX XXXX XXXX and Mr Cooper
I have an existing mortgage loan through Wells Fargo home mortgage. I have had auto pay set up through my bank to the lender and have had for years. 
This fall I switched banks. In the process I set up my XX/XX/XXXX payment through this new bank online with Wells Fargo Home Mortgage. During this process I forgot to set up auto pay with my new bank. As a result I did not make XX/XX/XXXX 's payment. I have quite a bit of cash coming and going through my account. XX/XX/XXXX rolls around and I noticed my level of cash in my bank account seemed to be too high at this point. I went online to review my checking account and noticed my Wells Fargo payment had not been deducted yet. I then realized the problem immediately. I went to the online payment method for Wells Fargo and made XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX. 
With this happening I also realized they reported me 30 days late to the credit bureaus. 
I set up an online email with a customer service representative and he basically told me that there was nothing they could do. They made no mistake, However, I agree that they did not cause the late payment but they did not contact me whatsoever in light of my non payment for the month of XX/XX/XXXX. I received a statement which I get every month and had no reason to think there was something wrong as I do n't need to read them every time. I received no phone as they stated they made. If I did I would never have known as they never left a message. I also did not receive any letters in the mail stating their concern. I have spoken to three different Wells Fargo representatives yesterday and none of them would go do anything to help me out. I have been a very good customer and never missed any payments. With any lenders for years. I was very disappointed in their decision and feel they do n't understand the gravity or care about the damage this will cause to my credit. If they did n't make any effort to send me a letter, alert me through an email, or cal and actually leave a message how is this fair to me their customer. I feel this decision could have been handled much better and am asking for assistance in getting Wells Fargo to admit they did n't notify me properly and to ask the credit bureaus to remove this bad mark against me. 
Please let me know what you can do.
I would like to formally file a complaint against Capital One, XXXX, XXXX and XXXX. Since XX/XX/XXXX I have sent several requests to Capital One directly and all 3 credit bureaus on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, which I have certified mail receipts for formally disputing and requesting validation of debt/accuracy of the information they are reporting. For months, Capital One repeatedly sent notices advising " in order to research your request, please send information ''. Information they should already have due to the fact they are reporting to the bureaus that I owe this debt. Requests for last four digits of account number, full ssn number ( which I always provided with each attempt ) Capital One would continue to send notices stating they could find no fraudulent activity associated with my ssn and the account number I was providing. Again, they still have not validated debt/provided an original contract bearing my signature. So finally frustrated with Capital One, I try to dispute with the credit bureaus to see if they could get debt validation. They too would always send updated credit reports stating the debt has been verified and updated on my credit file. I formally requested from Credit Bureaus how they are verifying this debt, if the original creditor can not provide validation of debt. Their response is always verified and updated. It has now been 12 months of back and forth with Capital One and The Credit Bureaus. Violation of defamation has definitely taken place. I would like this debt removed from my credit reports with all three bureaus, as this has caused so much financial stress and hassle on my behalf.
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.