WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I purchased my home for {$200000.00} through Fay Servicing. In XXXX I did a modification on my own through the housing program, they had a program that they were offering if you qualified for {$50000.00} ( non repayable with stipulations ), I did qualify. Which brought my mortgage down to {$160000.00}. In XXXX I filed bankruptcy and my mortgage company had a modification program with HUD/FHA that they advised me to go through I qualified for the modification. Which was for {$47000.00}. Which brought my mortgage down to {$120000.00} that I pay through my mortgage company. Now in XXXX I wanted to do a home equity loan through a federal credit union which I was approved for. Once the underwriter was doing the verification of the title search. She contacted me with a discrepancy of my title search. she explained to me that my home was appraising at $ XXXX {$260000.00}, also I had 2 leans on my home that was filed with my mortgage company that did not match up with my paperwork that I submitted to her. First lean is my mortgage company ( Fay Servicing ) for {$120000.00}, also the second lean is HUD/FHA for {$120000.00} as well. She explained to me that I would be upside down on my mortgage because the two of them would come out to be about {$250000.00}. She advised me to contact my mortgage company and she would forward me the information to show what she received from the title search. Also I should request a payoff from HUD/FHA. Which I did and the payoff is {$47000.00} but Fay Servicing filed {$120000.00} with the title company which they filed incorrectly. I took her advise and contacted my mortgage company ( Fay servicing ) and explained to them the situation as well as forwarded them all of my original paperwork as well as the paperwork from the credit union. They have had my information for awhile and said that they would handle it. They did say that there was an issue with the filing of the title incorrectly. It's been two weeks almost three since I contacted them about this problem. My account manager says that he forwarded things to his manager and things are getting taken care of. I feel as if nothing is getting done. They're giving me the run around and holding me up with my process.. I need this resolved ASAP.
I am trying to close escrow on a home I have sold and right in the middle of this closing XXXX XXXX XXXX sold my loan to Seterus. Until I am updated in their system, I can not get ANY loan payoff information and it is going to delay my home closing escrow until?? Neither XXXX XXXX XXXX nor Seterus will give me my payoff information. I am in debt and trying to meet my financial obligations in a responsible manner, and this causing me to fall further behind and financial hardship
The company in question ( DiTech, formally Green Tree ) not only calls and harasses me on my home phone ... but they call my cell phone, the corporate office for my place of employment and leaves harassing messages on the main voice mailbox, leaves messages on my personal line at work, has left more than a dozen messages on the business line for my brother in laws business, left messages at my mother in laws house, and my husbands uncle and cousins ' houses.
First of all, I am a long term, loyal customer of XXXX XXXX. I have been devastated and hurt by XXXX XXXX and I am reaching out to you because I can not seem to get help through customer service without excuses, multiple dropped calls, transfers, and red tape. <P/>In 2015, I had a mortgage with XXXX loan # XXXX. I had a short sale which involved extenuating circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three weeks later there was a copycat incident next door ; however the parolee was arrested and sent to prison. Needless to say my property value plummeted. I continued to make payments for nearly a year and was advised that in order to do a short sale I had to stop making payments. Up to that point I was making payments on TWO XXXX mortgages. <P/>The house finally sold as a short sale in 2015 with XXXX receiving ALL MONEY owed. This was not a foreclosure sale although foreclosure process had begun. I worked very closely with XXXX and my realtor. In fact, in the middle of this, XXXX refinanced my other mortgage on my XXXX XXXX property! <P/>Recently I tried applying for a mortgage only to find out that XXXX listed this on my credit report as a foreclosure, completely destroying my chances of a home loan. <P/>I have made numerous calls to XXXX. At one point a couple days ago, someone sent me a letter acknowledging the mortgage was paid in full. I called back to ask for another letter clarifying it was not sold as a foreclosure and was told " no '' because the record was purged! <P/>I am shocked I can not get any assistance from XXXX. I was told that the information on this loan was " purged '' or archived because it was so old. I have been given a big runaround and can not get any anyone to help me. <P/>I tried getting a mortgage from XXXX, and they are avoiding me and not returning my calls. I finally found out from a loan agent in another company that XXXX deemed this sale a FORECLOSURE so a home loan was not feasible. However, I would have qualified for a loan even with the short sale because I have an excellent history of paying my mortgages, and this was a short sale in 2015 with extenuating circumstances. <P/>I would like XXXX to please correct my credit report AND please write me a letter saying that the " property was paid in full and sold not as the result of a foreclosure ''. Please do not deprive me of my right to home ownership. <P/>I would have preferred simply to get a mortgage from XXXX but nothing looks possible now. <P/>I have always spoken so highly of XXXX XXXX, entrusted them with all my accounts, and felt like the institution looked out for me. Even during negative press about bad loans etc I was singing their praises about what an upstanding, honest loyal company you were. <P/>Please help me. The loan number was XXXX The address was XXXX XXXX XXXX XXXX CA XXXX My phone number is ( XXXX ) XXXX. My current address is XXXX XXXX XXXX XXXX CA XXXX Thank you in advance for any help you can offer. <P/>XXXX XXXX ( XXXX ) Sent from my XXXX
On Friday XX/XX/XXXX, I received a call at work when theyhave my personal cell number, and they said that I was behind almosttwp months on my credit cards- XXXX and XXXX XXXX both through XXXX XXXX . The rep asked if I could bring both cards current and I advised her sure. I paid a payment of {$60.00} on XXXX XXXX and {$130.00} on XXXX. This was a automatic debit then and that day, as I have proof of my online services. However, I was notified last week that the payment wasn't posted until days later! I ave called and got no where with XXXX! I have never had a problem with them. But they have incorrectly stated that my account is still not paid and are showing falsified information on all three of credit reports. My score dropped almost 30 points becuase of this! Please, if you would like for me to submit anythig to you, youmay contactme at ( XXXX ) XXXX.I would like for my credit reports- all three to shows my account is not deliquent and is current. I do work for an atttorney 's office and if this can not be handled this first attempt, i do plan on filing a second method of dispute in Magistrate court.
I have received numerous letter for collection regarding a debt I do not owe for {$480.00}. This company repeatedly ignores the consumer complaints. I did NOT OPEN this account NOR have I ever charged on it. It is COMPLETELY FRAUDULENT. 

This company IGNORES all customer correspondence.
In XX/XX/XXXX I requested by certified mail that XXXX XXXX XXXX Furniture be validated or that the debt be removed from all three reporting bureaus. They've failed to validate this debt in the amount of {$3000.00} opened XX/XX/XXXX
Brand new mortgage, first payment due XX/XX/2016. Payments are {$1100.00} a month. Made two {$600.00} payments in XXXX, none of which was applied to the XX/XX/XXXX payment despite the fact that both payments were made before the XX/XX/XXXX due date. Made inquiry and request to have the payments from XX/XX/XXXX applied, which they did. Was informed that they " do n't accept partial payments because their systems ca n't handle it ''. I was also told that if I make partial payments, they will likely not get applied to my account. I have received nothing from the servicing company, ever, much less anything stating this policy. My financier 's statement clearly states that partials will be held in a suspense account until enough is paid to cover a full payment.
On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with XXXX, XXXX, and XXXX with no avail. I 've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.
What happened? 
two of my XXXX XXXX, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXXXXXX XXXX to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXXXXXX XXXX  president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.
Transunion verified   XXXX   XXXX   XXXX   account  XXXX *** and   XXXX   XXXX   XXXX   account  XXXX **** on  XX/XX/XXXX /2017.  XXXX   XXXX   XXXX   is a collector for   XXXX   XXXX   XXXX   XXXX   the hospital closest to my home.I am a   XXXX   XXXX   XXXX   VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an emergency, we can go anywhere.I thought I was having a   XXXX   XXXX   with all the symptoms of one.I was on the phone to VA staff explaining my situation, they told me to call  XXXX .An ambulance was called and transported me to  XXXX .When there I told them I had VA benefits.YOU MUST DELETE THIS ACCOUNT ACCORDING TO LAW.
  XXXX   XXXX   XXXX  , collecting for   XXXX   XXXX  , THE ORIGINAL CREDITOR ... ... Some time ago I visited a   XXXX   Store at   XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA.I was defrauded by two store salespeople who had an intent to defraud me.
They sold me a plan of unlimited usage at   XXXX   dollars per month which I was happy with.
When the first bill came there was a multitude of added on charges and fees which were never disclosed to me and added to whatever I had to sign after I signed.I was so angry at the obvious commission ploy/ fraud that I refused to pay the bill because what I received was not anything close to what I ordered with the two salespersons.You must delete this item as you have not only committed fraud but damaged my credit standing as well.
On XX/XX/XXXXmy loan processor established a mortgage loan through Gateway Mortgage Group , LLC XXXX XXXX. Upon making my first payment I immediately noticed that I DID NOT get a receipt. On XX/XX/XXXX I contacted Gateway Mortgage and told them of my concerns regarding the lack of a receipt. The only correspondence I received from Gateway Mortgage when making a payment is an email stating that : " We are letting you know that an online payment has been scheduled on your account. '' NO payment amount or additional payment amount is displayed. XX/XX/XXXX I began corresponding via email with XXXX XXXX at Gateway Mortgage who stated " We do have plans in place to make improvements to the website and ask for patience in the meantime ''. In a later phone call from XXXX XXXX she stated that they were going to have this problem corrected with the next 6 months. TO DATE, THEY HAVE MADE NO ATTEMPT TO CORRECT THIS PROBLEM. Now comes a letter that I received today ( XX/XX/XXXX ) stating that Gateway Mortgage is going to start charging a FEE for on-line payments. This is TOTALLY unacceptable!!!!!
I have notified TransUnion numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated TransUnion on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
For the last XXXX to four years I have tried and just last month to get Equifax ( etc. ) to correct XXXX credit reporting. Although, these loans have been consolidated and finally paid off with XXXX- Just last month showed XXXX. XXXX XXXX XXXX with a delinquent paid of loan with monthly payment of over $ XXXX. and the total loans back to gross amount despite that I am a XXXX going on fifteen years with loan reductions- Note : Never late as they were under forbearance/deferment as any of my loans all show current. I have 'no ' payment at this time and there are and will be further reductions. Please, assist my dispute report I had XXXX ; without corrections and now they show me at XXXX. 
Respectfully, XXXX XXXX
Portfolio Recovery has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XXXX of XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. Porfolio Recovery collection  practices are illegal and unethical. I have also made written them stating that I do not owe this debt.
Our home loan was sold by XXXX XXXX XXXX to Nationstar Mortgage Company XX/XX/XXXX. A homeowner 's insurance premium came due on XXXX XXXX, 2015. The terms of the loan call for this payment to be made from our escrow account. This payment was not made by Nationstar Mortgage as agreed, and the coverage will be terminated on XXXX XXXX, 2015. Both Nationstar and XXXX XXXX XXXX provided assurances that the transition would be seamless. In addition, they have XXXX our mortgage insurance premiums without explanation. I contacted Nationstar Mortgage directly and did not receive any response and certainly not a resolution within their promised time frame. Attached please find the escrow details from Nationstar 's website that indicate the homeowner 's inusrance payment is scheduled for XXXX 2015. Today is XXXX XXXX, 2015. MIP should be half of the shown amount.
XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
I am shopping for a new home and submitted an offer for purchase for a local property. One of the stipulations before the offer would even be accepted for consideration was that I obtain a prequalification letter from a specific lender. As a bank employee with stellar credit and virtually no debt, it was MUCH easier for me to become prequalified with my employer ( they have my existing mortgage, all my bank and investment accounts, and access to my income records ). Long story short, I feel like this is coercion and thought this was illegal. In speaking with a representative at the NC board of realtors, they say it is not illegal at all. Wanted to bring this to your attention. Needless to say, I did not proceed with the purchase.
this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
On XX/XX/XXXX we had our house appraised to attempt to remove the PMI from our mortgage loan. The effective date of the loan was XX/XX/XXXX. After the appraisal our loan came in at my calculations- 78 %. We were advised that our loan has to be at 75 % to remove the PMI. We have never had a late mortgage payment, nor any missed payments. Calling the customer service line has never been helpful to us, our calls to the customer service takes approximately 45 to an 1hr of our time. We contacted Roundpoints mortgage customer service twice and they were not able to assist us in advising us on - how we would be able to terminate the PMI, what other options do we have? No exact numbers could be provided to us. One of our questions to the representative was how much does the principle need to be to get rid of the PMI? Roundpoints representative persistent that we use the online calculator as she was not able to provide us with any number to be able to lose the PMI. Also, no dates were provied as to when the PMI can be removed. 
Due to school loans, I am worried that we will fall behind on our loan and we are in desperate need of someone assisting us on when and how can we lose the PMI- How many more months will we have to wait and what other options do we have? I know we can refinance our home and lose the PMI, however doing so would only add the cost to our mortgage.
This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts
I had an credit card account with XXXX XXXX XXXX XXXX that was removed from my Transunion credit report. At this present time the XXXX XXXX XXXX is added back to my Transunion report,
I was unfortunate enough to attend XXXX XXXX XXXX University in XXXX XXXX, Florida from XXXX - XXXX. I was required to obtain way too many XXXX loans for a XXXX year program, XXXX of those loans are with Genesis Lending. 
The repayment plan from Genesis is unrealistic. When I attempted to make re-payment arrangements with Genesis for a manageable monthly payment, they refused. Even since the requirement to reduce the loan amounts, the monthly payment is not acceptable on my income. If I were to make the payment they are requiring, I would not be able to buy food, gas for the car to get to and from work or any XXXX related issues that may arise. 
I attempted to contact Genesis this evening XXXX XXXX/XXXX/XXXX XXXX to try to negotiate a manageable monthly payment and was left on hold for more than XXXX minutes.
Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''
On XX/XX/2018 l walked into the XXXX XXXX store located at XXXX XXXX XXXX and went to the customer service desk. l sent money to XXXX in XXXX, XXXX, using the Western Union service, to my sister in law. That money supposed to be used for expenses at the hospital for the XXXX of my mother in law. The amount sent was XXXX U.S. dollars. 
Unfortunately the money never was received by my sister in law, who was in charge of receiving the money on the same date mentioned above at XXXX XXXX. After 25 minutes, the money was processing but my sister in law never received the money. She called me and said that she never got that money and that they just told her to check the tracking number and come back the next day. When she did they told her " Sorry but this number does not exist in our system. '' I walked into XXXX XXXX store again to explain the issue. They tried to call Western Union but they never answered. I  told the person who was attending me that I was calling Western Union customer service for almost the whole day and nobody answered me as well. It is unfair that no one answered for the entire day. That's why l called the Consumer Financial Protection Bureau. Thanks to the person who answered me and told me what to do in order to receive my money back.