WillisBack/dataset-financial-user-claim huggingface dataset:
I had property in XXXX, AZ. I bought in XXXX as a single Mom. Got married in XXXX and we needed to move to Colorado for better job opportunities. The mortgage was upside down, I set up the property with a rental management company. In the end of XXXX we got behind on the mortgage. 
I started to work with my mortgage company on a modification in the beginning of XXXX, at the time it was Green Tree. During the process Ditech merged with Green Tree or vice versa. Finally, I was approved for modification payment trial in XXXX XXXX. I satisfied everything, the trial payment and all documents. They sent me a packet in XXXX XXXX to sign and I never received it. 
I called in XXXX and because the packet was sent back by Mailman, I was no longer eligible for modification. Ditech said " sending packet back unsigned disqualified me for the modification. '' even though it was in there system as " mailman sent back, wrong address. '' Up to that point I was receiving statements from them. 
I talk to a Supervisor and according to her, they were told in XXXX XXXX, that they had a wrong number for me. They did n't call me but I have had the same phone number for over 10 years. Ditech started to send all notices to the mortgaged address. 
In XXXX, I find out that my house is in the foreclosure process but they let me try again for a modification. Between XXXX and XXXX I kept sending in documents, every time I followed up, they needed more docs or I sent in wrong docs, updated paycheck stubs, the updated tax form needs filled out. XXXX first I was denied the modification, they give me a whole list of reasons why. I call the lawyer to request reinstatement amount, the lawyer got very upset with me because he thought he spoke with me prior. Which he did not. He also got upset because I called on the first and the sale was on the XXXX, with a holiday. " I 'll see what I can do '' was his response, after I explained I just found out I was denied modification. I got the reinstatement amount on XXXX XXXX about XXXX XXXX time. but because it was the day before sale they did extend my deadline to the XXXX of the XXXX, if I sent a tracking number for the check {$6000.00}. The lawyer did send me a reinstatement from XXXX on XXXX XXXX so I could guestimate the reinstatement. 
The tenant in my house stopped paying rent in XXXX because all mail from Ditech was going to her and she learned about the trustee sale before I did, I learned from my property management company. I called Ditech and they transfered me to the " Law '' department. The person I spoke to told me that " it was lost cause. '' I had been in communication with various people at Ditech and no one informed me of the scheduled trustee sale, that was scheduled in XXXX. I learned about it in XXXX. 
The letter they sent me said " did not receive all required docs. '' is why for the denial. 
XXXX XXXX is when the trustee sale was. 
My home that I have hung onto for 15 years has been foreclosed. 

I feel that they are not understanding and I also feel that I was strung along.
Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting.

XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I received a notice from the XXXX County Courts ( XX/XX/XXXX ) that there was a judgement issued against me from the State of Ohio Department of Taxation for the amount of {$3400.00}. 

This is a complaint against Mann & Carducci CO. , LPA XXXX XXXX XXXX, XXXX XXXX A XXXX, OH XXXX XXXX. I was unaware that this debt was owed. 
2. I contacted The State of Ohio Department of Taxation to ask what the debt was from, year? type of tax? etc. They did not answer my question, however referred me to the Attorney General 's office.

3. I contacted the Attorney General 's office with the same questions and received no response.

4. I called Mann & Carducci Co. and the person who I was supposed to speak with regarding this debt ( XXXX XXXX ) was unavailable for an extended period of time. I called the number that was left on XXXX XXXX ' voicemail. Called several times, left several voice mails, and received zero response. 

At this time I thought it was wise to at least send in the proper paper and small payment to stop wage garnishments. According the the judgement paperwork I had two weeks to submit this paperwork. The due date would have been XXXX XX/XX/XXXX of XXXX. 

I sent in my signed paperwork, check for {$150.00}, and two stubs on XX/XX/XXXX. 

I received back my signed paperwork, check for {$150.00} and two stubs with a note written on a post it note saying that they could not accept it because this information was due in XXXX. Please again be advised that the court documents state XXXX. 

I am now WRONGFULLY getting my wages garnished of {$370.00} per pay period. I sent in the correct paperwork within the given time and I want the garnishment to stop ASAP
I am requesting validation of debt against this so call LAW FIRM XXXX XXXX XXXX XXXX " Legal Recovery Law '' I am very well aware of my rights and wont hesitate making a complaint against LAW FIRM with the FTC if they dont specifically validate the debt with all requested bullet points in what I expect from them to do step by step. PLEASE FOLLOW ALL LEGAL PROCEDURES TO PROVIDE ALL INFORMATION REQUESTED
My Mortgage was sold to Green Tree Servicing approximately in 2003? I have experienced many fraudulent actions with them. 
I was told I had to take their insurance because I had let my insurance lapse, that was not true and I had to acquire proof from my insurance company that I had in fact never lapsed. So I won that battle, However : My Mortgage is not a XXXX Loan, It is in Ohio, the home is deeded to the property and Greentree refuses to acknowledge this fact. If I pay an extra each month, they apply it to my next months payment, It clearly states in my Mortgage that any additional payment is applied to my principle. I have also received XXXX statements that have been Higher the following year.I have never seen interest that you have paid go up! I have been collecting amortization schedules each year. The numbers change each year. I have brought this to their attention with no resolution. I turned a claim in to the XXXX, also with no resolution. I would like some help. I did have a Finance Annalist review my amortization schedule and XXXX 's appropriately 5 years ago and they felt that Greentree with misapplying, has created a balance that is approximately {$10000.00} to their favor. I would like to know how to get help with this issue!
I called XXXX  on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
I am not a professional and am not an underwriter and am at the mercy of the mortgage assistance specialist with Flagstar to best direct me and stay on top of follow ups to help me COMPLETE a package for mortgage assistance. Ive been forced to file for bankruptcy to allow them the time to be able to assist me and again they are refusing to help me prevent this foreclosure due to some deadline date they are escalating with this avoidable foreclosure. I have tried BK and nothing they continue to neglect helping me in preventing the foreclosure.
XX/XX/2018 received the annual Escrow Account Disclosure Statement. 

The information provided is deceptive and should not be provided to a customer in this means. Company has contacted me twice and all they say is they are required top provide this. 

At the top of the letter denotes I'm short on my escrow by {$890.00}. This about gave me a heart attack. At the bottom of the letter it denotes my payment is going down XXXX XXXX. How is that possible. This letter is deceptive and the should fix this so that the information is correct. 

XXXX XXXX contacted me on XX/XX/18 via email. Didn't resolve the issue. 
Another person contacted me XX/XX/18 via phone. Provide legalize but didn't resolve the issue that I'm short a log of money and your payment is going down. I informed this person I know why I receive the letter. I was trying to get them to see this from a Customer 's perspective and they feel they have done no wrong.
I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it
I received a phone call from XXXX XXXX from Credit Corp Solutions Inc. ( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) from XXXX Utah. XXXX said if I did n't pay the debt I owed he would refer me to their pre legal or legal department. Pasted below is the email Dear XXXX XXXX, Attached is the Validation Notice for the XXXX XXXX account which was mailed to you. 
I have also attached the statements we have received from XXXX XXXX. 

The account has an outstanding balance of {$3200.00} Due to non-payment this account has been reviewed and has been flagged to be forwarded to our Pre-Legal Department. 
I have a limited time to work with you to attempt to understand your capacity and intentions towards resolving this account before making a determination as to whether your account should be escalated to our Pre-Legal Department. 

As I had discussed with you earlier today your account has been flagged to move forward through the collections process. I have a short time to work with you to prevent this from moving further. 
Today I will be in the office until XXXX MST or XXXX EST. 
I can be reached directly at XXXX or toll free at : XXXX ext XXXX. 
Our website is www.creditcorpsolutionsinc.com. 



Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX DL : XXXX Fax : XXXX As you can see XXXX XXXX has threatened to refer me to his prelegal department in writing.
Chase bank closed my account without letting me know until I received a letter in the mail on   X/XX/17  t  ha t my accounts were closed back on   X/XX/17   with documentation to prove it. Clearly stated on the letter it says, accounts were closed   X/XX/17   and your funds will be mailed to you withi n 10  business days. After contacting the bank, they would not refund me in cash and said that they could do nothing, and I needed to wait for the check in the mail. A check arrive s  X/XX/17  b ut missing {$120.00}. I ask for a statement print out, which says {$120.00} check charge along with the remaining {$2600.00} check charge. When returning to the branch to find my {$120.00}, they just told me it 's in the mail and their system is down. After letting her know that I was not leaving without my money, she called the police. I just do n't understand how a bank can withhold my own money.
I have been trying to pay my balance of {$8.00} and cancel my Macys credit card and every attempt is either blocked or disconnected. I have also been advised that I now have XXXX Macys credit cards, though I only signed up for XXXX. 

When I attempt to access either account online, I am told my log in information is incorrect. The system will not let me reset my password. 

When I contact Macys by phone at XXXX XXXX XXXX, XXXX XXXX XXXX, and at XXXX XXXX, the call drops right after I enter my account information, or the representative hangs up on me. 

I am not sure how I can pay my balance/close my account if I ca n't reach anyone.
My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.
I have a mortgage with MB Financial. I paid the amount shown on the coupon that I received from MB Financial. They received the payment on time and cashed the check. However, MB Financial stated that the payment was short as the escrow amount was by about {$18.00} due to a change in the escrow amount. MB Financial does not send statement ( by mail or electronically ). So, there is no way, other than the coupon, to determine the payment amount. When I was notified about the shortfall, I simply paid the difference over the phone. However, the problem is that MB Financial reported a 30-day late pay to the credit bureaus. My credit score dropped by XXXX points and I am unable to refinance a loan. MB Financial refuses to help.
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. XXXX XXXX XXXX account # XXXX and XXXX XXXX, XXXX The items ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) address listed on my credit profile for XXXX XXXX, XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX the address for XXXX XXXX XXXX is D/B/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.The information listed on my credit reports from these companies are inaccurate because I dont own these accounts. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
The collection agency, F Hannah, XXXX, GA began a wage garnishment without proper notice, proper verification of debt, and without verifying ownership of the debt. I found out about the garnishment by mail from my employer, 5 days before it was to take effect. I finally received a letter by regular mail on the date it took effect, XXXX/XXXX/16. I filed a traverse, however the judge XXXX XXXX of GA State Court, XXXX County, Ga, showed bias to the plantiff, and ignored the GA State Code requiring delivery signature to be filed with the clerk of court within 3 days of filing the garnishment. He denied the traverse.
My mortgage was paid off XX/XX/2016 and my escrow funds have not been sent back to me in a timely manner. Carrington Mortgage Services takes advantage of customer funds that are not theirs.
XXXX XXXX XXXX XXXX from XXXX XXXX has contacted my director of HR to " deliver '' a package to me. The following are the issues. 

1. They are contacting my HR with no legal ground. 
2. I do not owe this debt. 
3. They are impersonating another law firm. The photo on their website actually belongs to another real attorney. I discovered this with a reverse image search on XXXX. 
4. They are clearly not a legal company based on my conversations with them. I repeatedly set on hold for 1-2 minute intervals when them popping back on to see if i was still there. Once I asked to talk to the manger I was on hold for 10 minutes and then got sent to " XXXX from maintenance '' 5. They claim they mailed me a letter 45 days ago. They have the right address. I DID NOT get a letter. 
6. They claim they have tried to deliver a summons to me. They have my phone number, home address, and work address. It would require no work to serve me. 
7. They claim their is a current legal case open with me but can not provide a case number or the court it is with. 

This is not a debt i owe and they are not a legitimate company. I need them to not contact me or my employer ... .. 


Their website XXXX XXXX XXXX The image they are using on a real lawyers site ( I contacted this law firm and let them know ). The image is towards the bottom. 
XXXX XXXX XXXX The site on their number will not work. Their actual number is XXXX
I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on   XXXX   XXXX   XXXX  . MBFS managed the process by which I took over ( assumed ) an existing lease.
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MBFS transfer requirements included advance payment of one month lease plus a transfer fee.
Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the   XXXX   of each month beginning with the   XXXX   payment, and seeing a subsequent {$0.00} balance.
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Sometime following my payment on  XX/XX/XXXX  ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @  XX/XX/XXXX  " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days.
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6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of  XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up.
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The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail.
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This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight.
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I 'm requesting assistance in having this matter resolved.
I have asked for further consideration regarding an increase in my credit score, but as a result I have been retaliated against and my credit scores have gone down over XXXX points. Please notate that photo of a " XXXX '' thumbs up! This photo issued by the credit reporting agency shows discrimination and I am not certain what my next course of action will be.
Our home mortgage loan is serviced by Seterus , Inc. A few years ago we refinanced with them for a much lower interest rate. We have been paying extra each month to pay down the principal. We pay our property taxes directly to our XXXX Co. tax office and pay our homeowners insurance directly to XXXX XXXX. We had no problems until XXXX XXXX, when Seterus sent a statement notifying us we had a negative Escrow account. It made no sense because we have never had an Escrow account. We called the customer service number and were transferred to various people, told us to call a different number and speak to the tax division. They said we needed to have an escrow analysis. Back and forth, not getting any answers, we were told to send our tax payment history and a letter requesting we not have an Escrow account. We did this. We got no response. Next month we still had a " negative Escrow account '' and our monthly payment was increased several hundred dollars. The customer service person said our request was " under review '' and for now we had to make the higher payment or pay a penalty fee and be turned in to a credit agency. This has been going on since XX/XX/XXXX. We made both installments for our XX/XX/XXXX taxes so we know there are no delinquencies. For 8 months, we have made phone calls, sent them our payments which are now {$1000.00}. above the monthly payment, and have never been able to resolve this. We ca n't afford to pay extra anymore, so we have lost ground on our plan to pay the principal down faster. We applied to refinance through XXXX, and have been approved. Now Seterus is setting our payoff amount {$8000.00} higher to get us to pay the Escrow balance, which would be for XX/XX/XXXX taxes that are not due until XXXX, XXXX. We do n't want to finance money for an escrow account which should not exist. Seterus does not have a person in customer service to talk to other than the representative. They have no complaint department, or superviser. They are strong-arming us and leave us no options. We believe t that since we have a lower interest rate and are paying off larger amounts, Seterus is trying to hold us to Escrow accounts to make money off the interest.
When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. The only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, XXXX and experian corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.
I had a home that foreclosed in 2010. I had XXXX mortgages, the XXXX being a Home Equity Line of Credit through Bank of America. The primary mortgage was reported correctly to the Credit Bureau as " Foreclosed '' while the XXXX loan was reported as " suspended '' which keeps me from being approved for a home loan now. I called Bank of America and spent over XXXX hours and talked to over XXXX people. Each person told me the same thing ; that my HELOC has been " charged off '' meaning I no longer owe them money because of the foreclosure. However, each person stated that they did not have access to or the authority to provide or produce any kind of document to prove that this account was charged off. I was referred to XXXX " specialists '' who each stated that they could help me and would fax me or call me back. I have not heard from either XXXX, they do not answer their phones, they do not return phone calls. I was hung up on several times. I was even told that it was Bank of America 's error in not reporting correctly to the Credit Bureau but they still have been unable to provide me any assistance in providing this account is settled.
ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.