WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for deferment due to financial hardship and was denied even though I met the necessary financial requirements. Therefore, I defaulted because I was unable to repay my loan. This in turn affected my credit. After defaulting they offered me a 2 month deferment but only with the option of taking on the full payments again. I was unable to do that and now my credit has been affected and now my tax return will be affected this year as well.
Equifax did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported this.
Wells Fargo refuses to refinance existing home mortgage loan under HARP guidelines. Mortgagor again called Wells Fargo Home Mortgage ( XXXX, spoke to representative named XXXX ) on XXXX/XXXX/XXXX, and Mortgagor was not permitted to initiate refinance application under HARP guidelines because Wells Fargo Home Mortgage is not yet ready to implement new RESPA requirements -- according to WFHM representative named XXXX. Mortgagor requested XXXX to put verbal statement in writing to Mortgagor. 
Mortgagor in good faith attempted to refinance existing mortgage loan XXXX times since XXXX, but Wells Fargo Home Mortgage sabotages every application by requiring unnecessary qualifying documentation, low valuation property appraisals, and high conventional closing cost projections. Mortgagor paid {$210000.00} for mortgaged property in XXXX, put down {$42000.00} cash, reduced outstanding mortgage loan balance from {$160000.00} to {$130000.00} and invested more than {$50000.00} in property improvements. 
Wells Fargo Home Mortgage has stonewalled every complaint filed by Mortgagor. Wells Fargo Home Mortgage has made false statements about Mortgagor 's excellent installment payment history. Wells Fargo Home Mortgage can not produce required documentation such as signed Uniform Residential Loan Application from XXXX. Wells Fargo Home Mortgage has manipulated mortgage loan from being non-conforming to XXXX approved in XXXX.
After months of having written several letters to Central Financial Control, I received a letter dated XX/XX/XXXX stating that I agreed to accept financial responsibility for medical services provides by XXXX XXXX XXXX XXXX. No where in the information provided was my signature. There was a signature by my wife but I never authorized her to sign on my behalf. Therefore the debt is not mine.
client came to office to see housing counselor - packet was submitted to Pacific Union and according to client, they initially confirmed verbally that her file was in review. however, client has not received anything in writing. Client did go to XXXX court hearing on XXXX/XXXX/2015 and the case was stricken from the case management call, the Court having determined that no further case management conference is necessary. Client believes that no one from lender or lender 's representative showed up to court that day. Since then, the lender/servicer continues to harass her with phone calls and written correspondence regarding amounts owed, and client states that she opens all her mail, so she is unaware of any written correspondence regarding her file submission. On XXXX/XXXX/15, client was serves again with another foreclosure filing - and has another court hearing on XXXX XXXX, 2015 - housing counselor scanned in all of her documents to her file, and will call lender for status at this point. XXXX informed client to go to court hearing - according to the new set of documents client brought into the office, the new petition states that her previous loss mitigation packet was closed due to insufficient income, and did not qualify - this will need to be confirmed with lender - Called Pacific Financial @ XXXX and spoke with XXXX. missing docs letter was not sent because the information that was sent in XXXX - and because the previous review for assistance was denied due to insufficient income, no change of circumstance had occurred - so therefore no missing docs letter was sent to client - according to XXXX, file was never submitted to review - because it was immediately determined that income information and household circumstances were same as previous submission - therefore file was closed. Lender/servicer did confirm that FHA is investor and she needs to consider transition option at this point - XXXX continued to meet with client at this point to discuss alternatives. XXXX now has a discussion with client - file a complaint with CFPB - show up to court on XXXX/XXXX/15, and request mediation - and understands that there is strong possibility that client will have to resubmit file once again since previous file was closed with no missing docs letter or acknowledgement letter provided to homeowner.
I wrote a certified letter with return receipt requested to Plusfour, Inc requesting that they send me any document to indicate that I obtain service at XXXX in the amount of {$420.00}. The return receipt indicate a receipt on XX/XX/2016. Upon this complaint, I have not received any reply and as a result, this inaccurate information is on my credit report and has caused me to be denied loans causing financial difficulties. I have complied with notifying the appropriate collection company ( Plusfour , Inc. ) with this inaccurate debt and they have failed to respond within the allotted time and without providing any due process.
I have been a member of USAA since the early XXXX. Approximately XXXX years ago, following a divorce and a failed business, I filed bankruptcy. XXXX of the debts included in the bankruptcy was my USAA credit card with a remaining balance that was under {$3000.00}. Intent on trying to turn things around, I signed up to monitor my credit through USAA 's partnership with XXXX. However, soon thereafter I tried to log onto my USAA account and I received the following message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. ( XXXX ) '' The link took me to a limited and cumbersome USAA Web site and I was no longer able to access my XXXX credit monitoring account. The Web site also gave me limited access to my USAA Automobile Insurance policy and my USAA Auto loans ( which I continued to pay and reaffirmed in the bankruptcy - so USAA did not lose anything on those XXXX loans ). 
I wrote a letter to USAA ( attached ) stating that it seems the only purpose of displaying this message in bold red and redirecting members to a limited and cumbersome Web site is purely punitive and to humiliate its members further. There is no benefit to USAA. It is only a punishment and a humiliation for someone like me who had no other option following a divorce and failed business venture. So every time I log on to make my car payments or to pay my insurance bill or to access some other service at USAA, I am further humiliated. If this is USAA 's purpose and goal, then it has succeeded - I am further humiliated and reminded of my failure a few times each month. 
I received a call responding to my letter - no one wrote back. I was told that the reason for the limited Web site was so that USAA would not inadvertently extend any further credit to me following my bankruptcy. This makes no sense. They could refuse to extend additional credit to me without redirecting me to a cumbersome Web site and displaying the humiliating message. I am also a member of XXXX XXXX, and had to include a debt from their company, but they do n't display humiliating messages or redirect me to some cumbersome Web site. It seems the only reason for USAA to have this policy is punitive.
A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address.
To TCI TOTAL CARD INC I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial.  ( At the time they were known as  XXXX   XXXX   ) On   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  One Main Account. One Main  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and  my APR went from  10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX if they try to file something. Whatever, I will go to court. I didn't make the loan.
I was contacted numerous times via telephone and mail regarding a debt that was a charge off and the statute of limitations has expired. I was told by the collector that they bought the debt and I owe the money to them. I contacted the original holder of the credit card Chase Manhattan and they advised that this was a charge off in XX/XX/XXXX. Moreover, I was served documentation dated XXXX/XXXX/XXXX advising that I was being sued if did not pay. I contacted the company and advised that I did not owe this debt to them as per the statute of limitations in my state has expired. I was then advised that I would be sued and that I needed to hire an attorney. Moreover, I researched the company and discovered that this a predatory collection company which goes by several different names and uses scare tactics to harass people into thinking they are a legitimate mediation firm and they are being sued and/or this firm claims to be the legitimate holder of the loan and that the statute of limitations runs 10 years from the last date of payment. This company continually continues to harass me by using a robocaller, live telephone calls and now mail. This is creating undue XXXX and XXXX that is becoming increasingly intolerable and I am respectfully seeking relief from this stalking that has been brought upon me.
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX  account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.
I have a Hard inquiry on my credit report that was n't authorized by me. I believe it was for a Pay Pal account but I 'm not sure
This complaint is related to previous complaint submitted on XX/XX/2016. Case # XXXX. Incorrect adjusted credit bureau reporting for the month of XX/XX/2016. All other months in XX/XX/2016 are reporting correctly, but the month of XX/XX/2016 is incorrectly reporting 60 days late. XX/XX/2016 should only be 30 days late.
In XXXX of 2012 I contacted XXXX to purchase internet service for my apartment. Since I was never able to actually connect the services, I contacted XXXX and cancelled my service. The account representative informed me that there would be no balance due. To date, I have received numerous collection notices for this XXXX account. I have disputed the validity of the debt with each collection agency and have never gotten a response from any. I still continue to receive negative marks on my credit as a result of this account.
I filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for XXXX  and XXXX  opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX or a XXXX XXXX acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX or XXXX  acct even if i have to contact an attorney
Our loan with  XXXX  was transferred to NationStar in  XXXX  of  XXXX .     My husband and I filed Chapter  XXXX  in  XXXX  of  XXXX  and from that point forward we were no longer able to make online payments and no longer received any communication or monthly statements even though the mortgage is not included in the  XXXX   XXXX .     My husband and I are in the final steps of a REFI and were contacted by the Credit Bureau for a conference call with NationStar on Wednesday  XXXX   XXXX ,  XXXX . The call took place on Thursday,  XXXX   XXXX   XXXX , where we were informed that we were a payment late for the last 3 years starting in  XXXX  of  XXXX .     I called NationStar the next day, Friday,  XXXX   XXXX ,  XXXX , and spoke to customer service regarding my Payment History and they told me that I didnt show any late payments, but there was a payment in suspense and I just needed to pay {$890.00} to get it out of suspense and my account would be up to date. My daughter was sick at school and I needed to get off the line so I just paid it so I could get my daughter, but I really didnt understand why there was a partial payment in suspense and why I had to pay almost {$900.00}.     The next day, I pulled up my Payment History and I saw that the  XXXX   XXXX  payment was not applied as a payment. This payment was put in suspense causing any payment thereafter to b e 1 p ayment behind to date. I called on Saturday,  XXXX   XXXX ,  XXXX , and customer service said I had to call back on Monday when the bankruptcy department was open. I called first thing Monday morning,  XXXX   XXXX ,  XXXX  and spoke to  XXXX   XXXX  and repeated what I had found. The  XXXX   XXXX  payment was not applied as a payment and showed next payment due  XX/XX/XXXX  instead of  XX/XX/XXXX . Once this is corrected, I will not only be current as I have always been, but a payment ahead because of the money that was held in suspense and the additional {$890.00} I paid to make up a full monthly mortgage payment. The customer service rep,  XXXX , put in a request to the research department and I told her that this needs to be dealt with today. I am at the end of a REFI and this is the only thing holding it up. She said she can only place a request and state it as a priority.     I have called every day since and my request has not been touched and I have even spoke with a supervisor named,  XXXX  and he said that they can not contact the Research Department via phone or any other way. I find this extremely odd for a huge company. NationStar is the one at fault for this error and needs to fix it in an expedited manner! I have been patient long enough and do not want to lose this REFI!!! This error should have been caught and fixed when the conference call took place with the Credit Bureau on  XXXX   XXXX ,  XXXX .
Address is incorrect on my credit report. I have never lived on XXXX XXXX XXXX in XXXX XXXX or had any services, credit cards, or bank accounts linked to address but it appears on my report I disputed this inaccuracy multiple times with the credit bureau and they said they were going to investigate but never notified me with the results or actually investigated the matter.
Hello ; I received a notification from Enhanced Recovery Company LLC for a delinquent account that is not mine. I am disputing the debt however, I undesrtand that ERC does not respond with nonverification of the debt and pursues to have the the debt posted to on one 's credit line.
I require your assistance if you can help, regarding my mortgage lender giving me the runaround in refunding and settling my escrow overage. 
I received an escrow overage refund check for {$460.00} XXXX XXXX 2015 from my mortgage company " Nationstar Mortgage ''. I misplaced it so it was never cashed, and when I found it ( XX/XX/2015 ) it was past the 180 days to cash it in. 
I contacted Nationstar on XXXX XXXX with the information and they stated they would reissue a new check, and that it would take four days to process and to allow 7-10 mailing days. After that time had lapsed and no check arrived, I contacted them again and they now said it was never sent, needing " verification of address '' which was given and verified over the phone and having been a customer for 14 years getting my statements sent to me every month they well know my address! 
I then requested it to be overnighted and they agreed and sent me a XXXX tracking number. Four days later it still was never dropped off with XXXX and when I called to ask why, Nationstar stated " It was cancelled because it sat there too long. '' Duh! Once again they said they would reissue the check, overnight, and gave me a tracking number and to expect it the following day. The following day it had never arrived at XXXX which I verified with the tracking number so yet again I called Nationstar and yet again got the run around. 
They canceled that alleged check and once again gave me a tracking number for expedited overnight delivery with XXXX. You can guess what happened, it never was delivered to XXXX. So like a dummy I called Nationstar again and again I was given a new tracking number and promised overnight delivery. It has not been received by XXXX via the tracking number nor will it. 
Four times in the past month ( Once alleged by mail and three times alleged by overnight XXXX ) I have been told my check would be reissued and four times nothing has been done about it save for printing XXXX labels and nothing else. 
It 's apparent to me that Nationstar has no interest in refunding what is legally mine and just wants me to stop trying to keep my money. I paid off my mortgage early this XXXX 2015 so perhaps that I am no longer a cash cow they have little interest in giving me what they owe me. I never was late or missed a single payment in fourteen years with Nationstar Mortgage either. 
Is there anything you can do to act on my behalf? This is very upsetting. Supervisors do not return my calls, and agents who promise to rectify it never do. Not once have I treated them with rudeness or bad language and have been as understanding as possible. However, I now understand that they have no intention of refunding my money ; four attempts in one month with nothing happening is an untenable situation and egregious. 
I can provide specific information as requested. Please contact me and please let me know if you are able to intervene on my behalf, I would be very grateful. 
XXXX XXXX
I received a letter from Bass and Associates, P.C.Student Loan Department XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/2018.Immediately I send a validation letter requesting, 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in Montana, on XX/XX/2018. Since then I have not seen the documents requested. I have received 2 more collection letters and they are still reporting t to all three credit bureaus. I need help. Please. Thank you.