WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 at XXXX, I received a voicemail message from Dynamic Recovery Solutions from phone number ( XXXX ) XXXX stating that there was a " matter to discuss in our office ''. The message asked me to call back a phone number XXXX. I promptly called back the number requested on the message. I spoke to a representative who refused to give me any information without disclosing my social security number. I refused to disclose my social security number since I did not know who they were and how they obtained my information. I requested that any debt collection information should be sent to me in writing. 
I did not receive a dunning letter from Dynamic Recovery Solutions until XXXX/XXXX/2016 with a letter dated XXXX/XXXX/16. This is in violation of the Federal Debt Collection Practices act that requires a written or verbal notice within 5 days of intitial contact containing : 1.The amount of the debt 2.The name of the creditor 3.A statement noting the debt will be considered valid unless disputed within 30 days 4.Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days. 

I did not receive this notice until well after the five days of initial contact.
Deposited a check for XXXX  $ on XX/XX/XXXX, bank put it on hold until XX/XX/XXXX. Asked them to release at least part of it and got declined
Transunion and XXXX refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...
This debt dose not belong to me I disputed this debt I sent multiple letters to the companies to remove it from my credit report.
I have contacted this collection company and disputed this charge many times. The collection agency has no right to place this on my credit report due to the Insurance paying this bill directly to the original creditor. I want the item removed immediately.
First Financial in vestment fund is reporting a debt on my credit report per my lender who is refinancing my home. It 's actually preventing me from refinancing because it 's bringing down my score. I have called and they claim to not have my name on file, however they are n't helping me get the collection off my credit. I spoke to them las t Tuesday the  XX/XX/17  a nd they said my name is n't on file with them. I called them last month as well and then disputed with  XXXX . They answered the dispute and said I owe the money, but they wo n't allow me to pay the account. I do n't believe I owe this money and it 's frustrating that I call and they do n't have my information. My lender even contacted them with my permission and they could n't verify my information. They even had me send a letter authorizing my lender to verify the debt. Then they had my lender send a fax asking for more information and they have n't replied.
I purchased a mobile home in XX/XX/XXXX for {$18000.00} at my first duty station. I payed {$240.00} a month for the time XXXX XXXX XXXX XXXX/XXXX  handled the mortgage. During the five years I had the mortgage I was never late in making a payment. When I received orders to a new duty station inXX/XX/XXXX I had to complete a short sale of the mobile home with a third party. The short sale yielded {$10000.00}, enough to pay off the principal of the XXXX XXXX mortgage. They agreed to the pay off amount and accepted the payment. Over the past 19 years XXXX XXXX has changed hands and had a class action lawsuit levied against them. They hit my credit report with an amount that was supposed to reflect the fees, accrued interest etc. inXX/XX/XXXXafter they had agreed to the pay off amount and accepted payment. The normal period of reporting unpaid claims is seven years. I worked with legal counsel several times from XX/XX/XXXX - XX/XX/XXXX to get the negative reports removed. Once the negative reporting dropped off my credit report I was relieved and thought the issue was behind me. Recently my credit report has been hit again from UTAH LOAN SERVICING LLC asking for payments against a 19 year old mortgage that was settled. I do n't have any of the original paperwork from XXXX XXXX/XXXX after 5 moves and 7 years of bad credit reporting to show that the mortgage was settled. UTAH LOAN SERVICING LLC has never attempted to contact me via phone, mail, email or any other type of communication. I feel that they are a predatory company and do not have the right to take action on a claim that is over 19 years old. My home of record, for military service, has always been Missouri and after reviewing the Missouri Statute of Limitations on Debt Collection ; I feel that this debit collection is illegal. I am submitting a complaint to get UTAH LOAN SERVICING LLC removed from all of my credit reports and to provide information to others that my have the same issue. I am enclosing a snap shot of the current credit report entry from UTAH LOAN SERVICING LLC : As of XX/XX/XXXX Account name : UTAH LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number : XXXX Recent balance : {$6000.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Status : Collection account. {$6000.00} past due as of XX/XX/XXXX.
Type : Mobile Home Terms : XXXX Months On record until : XX/XX/XXXX Credit limit or original amount : {$18000.00} High balance : $ XXXX  Monthly payment : {$0.00} Recent payment amount : {$0.00} Date of status : XX/XX/XXXX First reported :XX/XX/XXXX Responsibility Individual : XX/XX/XXXX - XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX
Every time I call customer service I must wait on hold for at least an hour to speak to somebody. This is a hardship because I am at work and don't have an hour to wait on hold! They offer to call you back if you can't wait but sometimes that takes hours and you may miss the call. This basically makes it impossible to get service. I'd switch to different service if I could, but what choice do I have?
On  XXXX   XXXX ,  XXXX  I made an appointment with a local branch of the Bank of America in  XXXX , NC in reference to a refinance home mortgage ( 15 years fix rate  ) . During the interview process, I presented all of the required documents along with authorization of  credit score check. Once initial application was completed and reviewed by the loan officer  NMLS ID :  XXXX  she advised that everything looks great and I should n't have any problem at underwriting etc for official approval of the loan. She requested my credit card information for an appraisal that she wanted to order right away and credit run fee total of {$540.00}. I asked her twice can you please make sure everything is correct and the estimated value she defined is realistic. She further assured me that her estimates are the worst case scenario and even if something changes we should be alright. About a month into the process an appraisal was completed and a report was generated which came close to a realistic value that was also available on  XXXX  and other websites. All of a sudden my application disappeared from the BoA website, and I made contact with loan  officer  but was unable to get a hold of her. About 5 days later she sends me an email stating that she not sure what had happened to my application and she will advise once she finds out what happened. Next day she sends me an email saying your brother does n't have enough established credit so that is way your application is denied . ( FYI,  my brother paid {$8000.00} in student loans in  XXXX  and a car loan of {$12000.00 } )  I asked her to please explain to me why all of a sudden she realized that my brother does n't have enough credit because she had all of the information during the initial application process. She ran the credit and carefully looked through and said you guys have excellent credit. She asked for more time and advised she is working very hard to get my loan approved. Few days later I received a letter from BoA stating apprised value came low and that is why the loan was denied.     I do n't understand why the l oan officer and BoA responses are so different from each other. I believed loan officer de cision to over estimate my home and had me pay for the appraisal shows lack of knowledge and bad business practice. I lost {$540.00} and still do n't know for sure what took place and why I have been denied.
This property is a part of an Estate, the homeowner passed away and with all of the confusion she did not or they could not find a Last Will and Testament. 
They had to go to Surrogate 's Court and they did. the property in question now that has a sale date for XX/XX/2018 @ XXXX XXXX XXXX XXXX , XXXX , New York XXXX never received a Summons or Complaint, Never received a Motion or Judgment or Foreclosure Notice. The only document they received was A Notice of Sale on XX/XX/2018. Caliber has a rule that if you are requesting a Loan Modification it must be submitted 37 days before the sale date? 
They were not even given a Thirty Day Notice before a sale. We are asking for help in this situation. We called Caliber Home Loans to request help they refused. 
They have not served or notified anyone concerning this property until the XXXX of XX/XX/2018. We contacted the attorney representing Caliber /the investor The XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for XXXX XXXX and they have no information except the sale date. of XX/XX/2018.
I have previously sent this company a request to validate the alleged past due record under the Fair Debt Collection Practices Act and all I received was a print out starting from XX/XX/XXXX through XX/XX/XXXX without any past due record. This company is reporting past due history through XX/XX/XXXX! 
This does not meet the Federal Trade Commissions guidelines of what constitutes proper past due validation. 
This company is now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. This erroneous past due information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. 

This company also failed to : What the past due amount was for : Explain and show me how you calculated the past due amount ( s ) : Provide me with copies of any papers that show I was past due : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations of this reporting and amount due has NOT expired on this account in state of Texas : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Original car TITLE for an auto loan that has been satisfied.
I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.
XX/XX/XXXX To : Consumer Financial Protection Board From : XXXX XXXX XXXX CC : PayPal/XXXX California Attorney Generals Office Re : FAILURE TO PAY FOR GOODS, WITHOLDING FINANCIAL INFORMATION, FAILURE TO CLOSE ACCOUNT AND ACCOUNT UPGRADED TO LIMITED ACCOUNT WITH NO USAGE Dear CFPB : I am experiencing extreme frustration with PayPal.  I have made purchases though XXXX, and PayPal is refusing to pay the sellers for items I have won via auctions when they have deducted the monies from my bank account. PayPal is stating that I have had a high usage of my account and are now DEMANDING a copy of my drivers license, utility bill, bank account statements and my credit card statements. This is after having an account since XX/XX/XXXX, the items are being sent to my home address and I have called them from my cell phone, the  phone number they have on record since XX/XX/XXXX and they have my social security number which all makes my account verifiable. PayPal is bullying me by restricting my account. They will not allow me to close my account or delete my financial information. This is ridiculous. I am an unhappy consumer with this business and they are holding XXXX my financial information and I want it deleted from their databases. PayPal has been accused of having ties with XXXX and have been hacked XXXX only knows how many times. So, why on XXXX green earth would I give them all of my financial information when they cant even protect their own? Just unbelievable! Due to PayPals negligence I am now being harmed and have incurred damages. Sellers are filing complaints with XXXX and writing negative comments about me for the public to see. PayPal is cancelling payments that were scheduled when I won auctions and the sellers are angry with me over something I have no control over. XXXX will be closing my account if I continue to receive these types of complaints. I have a 100 % rating with XXXX and that is being threatened by PayPals actions and inactions. I am requesting that your office conduct an industry standard investigation into these allegations and sanction PayPal as necessary. I have read numerous complaints about the same thing and this is unacceptable. Thank you, XXXX XXXX XXXX Enclosures : Bank Statements and PayPal Account Info
Central Mediation Services .... I get phone calls from  XXXX  and they say they need to " serve me papers '' by  XXXX  on Wednesday  XXXX   XXXX . They started calling my work number on Monday  XXXX   XXXX . I asked them not to call my business number. She,  XXXX   XXXX  or  XXXX   XXXX , called again saying she needed to serve me. They left a message on my cell number to call  XXXX . When I call the  XXXX  number the line just beeps. When I call the  XXXX  number a difference individual answers each time, they do not say the name of the business and then are very ugly and state they do n't call and they outsource their calls and always get hung up on. I spoke with  XXXX  and  XXXX  at the  XXXX  number. My husband and I have both explained they are violating the law and can not call me at work and to serve the papers if that is what is needed. They called again on Tuesday and then today called several different people in my company stating they need to know how to go about serving me at work and they need to talk to HR and my supervisor. They called a bout 20 t imes. I asked them again to quit calling and  XXXX  stated they have the right under the FDC to call and when I asked for a supervisor I was hung up on. They would not divulge who the " outsource '' person was. At this point I am being harassed and I called The Federal Trade Commission and they stated it sounded like a scam but they can not file a complaint without a company name. This is going to cause problems for me at work. Any help you give would be appreciated.
We sent wire transfer payment, through XXXX XXXX XXXX for our mortgage payment in the amount of {$2500.00} on XXXX XXXX, 2015. The payment was rejected by NationStar Mortgage. We called NationStar Mortgage and spoke to upper manager XXXX XXXX ext. XXXX. He assured me that if I sent a new wire transfer, Monday XXXX XXXX, 2015, that it would go through without a problem. I followed his exact instructions and on Saturday, XXXX XXXX, 2015 I checked my bank account and they have rejected our payment a second time this month. They are closed today, since it is Sunday. We are simply trying to pay our mortgage and NationStar is not allowing us to do so.
XXXX Equifax data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.
some guy called me and said are you looking for loan he was from payday loan. since my credit was no good I had to show I could put {$150.00} on a prepaid moneycard from Walmart. this guy name XXXX XXXX said I wo n't take out and you can use your card in about XXXX min. I went to activate it and they put the card in there name and I ca n't use it I have the card from XXXX here. the # XXXX XXXX XXXX XXXX. please stop that card before mailed to that person I can get my money back.
We requested a payout statement from Citimortgage to pay off our mortgage. It arrived with interest showing fromXX/XX/XXXX thru XX/XX/XXXX. We paid our XX/XX/XXXX, payment and felt that closing interest should be from XX/XX/XXXX thru XX/XX/XXXX. Our XX/XX/XXXX payment was sent XX/XX/XXXX, received by lender XX/XX/XXXX and cleared our bank XX/XX/XXXX. Now, I am being told that closing interest is correct because interest is paid in arrears. In all the years and numerous statements we have received, NEVER has interest payment been SHOWN to be paid IN ARREARS. Statement is n't showing principal payment for one month and interest payment for a previous month. This all seems to be a rather DECEPTIVE PRACTICE. Citi purchased our loan from our original lender. We ca n't recall seeing any paperwork from Citi spelling out that the interest on our loan is in arrears. Statements do n't show principal payment for one month and interest payment for previous month. It is n't spelled out on the statement that way. DECEPTIVE, DECEPTIVE, DECEPTIVE!!!
Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

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One of my business checks was stolen from my home. The individual wrote the check And forged a signature and was able to go to my bank institution and cash the check for {$1700.00}. The bank called 2 days after they had cashed the check to ask if I authorized the check even though it had already been cashed. I filed a fraud claim the bank denied the claim because they say it was negligence on my part in not having the check under lock and key. The check was in my home office in a closed drawer. I filed a police report and turned that it to the bank and they still denied my claim.
I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.
I have had an account with a company called XXXX for over a year. I had a down turn and they offered a payment agreement to help me keep my account current. I recently checked my credit files and noticed a company called XXXX claiming to be collecting for them in the amount of {$1600.00} ( I only owe {$500.00} ). I immediately contacted the original company and they had never heard of them when I let the credit bureaus know and disputed XXXX immediately responded by removing their account, however, they re-submitted it under another name, Security Credit Services. I spoke with the original company again, and they explained it is fraudulent as other customers have contacted them about the same thing. I have disputed it again with the credit bureaus, but it still remains on my credit reports. This is fraud, as they have not purchased or gotten my account from the original company, who is still taking payments directly from me per an agreement.
I paid the full balance of XXXX fraudulent credit card accounts that do not belong to me, so I can have the credit card accounts deleted from my Equifax credit report. I paid {$2800.00} to XXXX XXXX XXXX and XXXX XXXX {$1200.00}. Please review the attached bank statement for proof of payment.
Quicken loans, I started a loan application with them on Wednesday, they quoted me a price and by Monday they were up selling me into more closing cost and rate increase. Based solely on the fact that I did n't repond fast enough. It was 4 buisness days, they should give a consumer reasonable time to research and consider and offer in writing. Not fair to attempt to upsell HARP rates after making the offer two days later. Very dishonest and put good family 's under pressure.
Was told by Navient Corp that my loans were in forbearance but Navient proceeded to report late payments for 90 days from XX/XX/XXXX-XX/XX/XXXX. Loans should have never been in forbearance and should  have had a grace period starting in XX/XX/XXXX ( year I graduated ). 

Now I also just paid off my last loan balance and Navient for some reason charged me an additional {$97.00}. This needs to be refunded back to me as soon as possible.
Chase issued a XXXX cancellation of debt in 2014, which I included in my taxes for the year. Chase continues to report the full balance owed on my credit report. I have written back and forth with Chase even to ascertain whether some settlement could be reached, I was denied.