WillisBack/dataset-financial-user-claim huggingface dataset:
We fell behind on our mortgage after lost work hours and unexpected attorney fees as a result of crimes committed against our family. We submitted an application for foreclosure alternatives with our lender on XXXX XXXX, XXXX. We received a letter stating receipt of our application and requesting more information dated XXXX XXXX, XXXX. We then received a notice of foreclosure from an attorney dated XXXX XXXX, XXXX. 
I called our lender and was told the foreclosure would be placed on hold while the modification application was processed. Over the next few months, our lender requested more and more information. I would send in the requested documents and they would them reply with a request for MORE documents. 
All this time reassuring me on the phone that the foreclosure process was on hold. 
In XXXX XXXX, we received notice of a sheriffs sale scheduled for our home on XXXX XXXX, XXXX. Our modification application is still being processed! It feels like they will never stop asking for more information for the modification so that we will run out of time and the house will be sold. They are sending letters with a date that is almost a week earlier than the postmark, and giving us very little time to provide the documents, all while going forward with the foreclosure process on our home. We would like very much to finally have our modification application reviewed before our house is sold. From what I understand, they should not be processing our modification and foreclosure at the same time. They are stringing us along in the modification while moving forward with the foreclosure. 
Our financial situation was temporary and we want to stay in our home and continue making payments, but we no longer feel that we can trust Cornerstone.
I recently pulled my credit report and noticed that there 's a collection from the agency. I have never been notified of this collection.
In XX/XX/XXXX I scheduled a one time payment that would bring my account current. Days before that payment was due I received an email from the company stating that they were taking an amount which was not the amount that we agreed on so I emailed back saying do not take any payment from my account because that is not what we agreed on. Yet days later I found out that they took it anyway. When I notified my bank they fixed it and removed any overdraft fees. Now in XX/XX/XXXX I received a message from discover saying that they received my payment and they were thanking me. I immediately called them because I had never scheduled a payment with them. When I called the rep stated that they had signed me up for automatic payments and i let her know that I did not authorize that and due to me losing my job and being homeless I would not do that. She apologized and stated that she would cancel it I let her know that this was going to put my bank account in the negative and I didnt want that she said that there was nothing that she could do. I went into my bank and let them know that a transaction was probably going to come through that I did not authorize and they stated that they would keep an eye out for it. Well after days had passed I got an alert from my bank saying that my account was in the negative and I immediately knew why. I reached back out to my bank and she tried to file a claim but since it was rejected she said that she could not and that the credit card company would have to fix it which they refuse to do. I have spoken with them several times and I am getting nowhere. This all began with setting up a one time payment and discover taking it upon themselves to sign me up for autopay and now they will not fix this. After filing this claim I will be reaching out to any and every agency that I can to complain. I was even advised to reach out to them about a hardship program that they have for people that have fallen on hard times and they said that they dont have anything that can help my situation.
XXXX XXXX XXXX has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get capital bank usa na they are threatening me with taking property from that I do n't have they call me 2 months ago and I told them I will not be able to pay them back and they still threatened me
( I selected the " too many calls '' option to be able to proceed. 

My debt was written off by XXXX XXXX XXXX in XX/XX/XXXX. The charge off was removed from my credit reports in XX/XX/XXXX. The collection company is still calling and filling judgements against any of my bank accounts 10 years after the write off. 

I am XXXX years old and would like to see this go away before I die. From the research I have done, I guess I have been my own worse enemy, in that I have talked with the collection companies over these years and have admit that I owed the money, which has extended the time for them to continue to file judgements. I don't know if there is a Federal time limit for collection on debts but there should be a limit that a collection company can continue to try to collect a debt.
I began repaying my XXXX XXXX student loan in the earlier part of XX/XX/2017. I was ordered to pay around $ 1300/month. I did this for a few month but literally would be negative in my bank account or with just a few dollars left at the end of the month. Called XXXX XXXX to explain I couldnt afforded the current payment plan. The XXXX XXXX rep told me to let my account go into collections to prove I couldnt afford my current payment so that they would work with me to lower my monthly payments. I didnt know any better so I did exactly what she told me too. XXXX XXXX eventually called me and then offered to lower my monthly payments to $ XXXX/month. However this reduced payment plan only last 2yrs then it goes back up to $ XXXX/month. Also I fee that XXXX XXXX trapped me by telling me to let my loans go into collections because I cant even refinance the loans due to the collections being on my credit report.
XXXX XXXX XXXXXXXX ordered the Trustee ( XXXX XXXX ) to illegally and tactfully foreclose on my property on XX/XX/2018 and now they refuse to provide information to identify which entities the monies where distributed to with my equity. There are clear fraudulent activities taking place with total lack of transparency and accountability on XXXX 's part. On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to. The responses and answers clearly indicates that XXXXXXXX XXXX XXXXXXXX is hiding critical information and committing FRAUD. 

Their response is as follows.. 

First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and XXXX is not required to provide that information to you. '' Third Response : " XXXX  is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Important note : The Federal Court filing of Trustee for the Certificate-Holders of XXXX , XXXX, Alternative Loan Trust XXXX, Mortgage Pass-Through Certificates, Series XXXX ; IS NOT the correct Certificate number that was filed with the Federal Court. The true and correct Certificate is XXXX Mortgage Pass-ThroughTrust Series XXXX. If XXXX   continues to refuse to provide the basic recipient information of the funds disbursed, I respectfully request that CFPB opens a Level II investigation on this complaint.
XXXX XXXX, 2015 I contacted my mortgage company Nationstar to see if I had time to complete a Modificatin package on my home. I was advised yes I had to send in before XXXX XXXX, 2015. My home was in XXXX and I was XXXX at the time I traveled the next day back to the hose and contacts XXXX Neighborehood housing forclosure department to assist me with the paperwork. I complete a package with ther facility and the papers were faxed XXXX XXXX XXXX via XXXX, on XXXX XXXX, 2015 per. Call to Mortgage company rep confirmed my paperwork was. In and possibly on doc missing she XXXX and this was sent via fax on XXXX XXXX, 2015. The XXXX and my self have sent monthly bank statment and weekly check stubs from my employer. On XXXX XXXX, 2015 my representative at Nationstar advised XXXX at XXXX the sale went forth on XXXX XXXX, 2015 after we were advised The sale of the property had been postponed. Each week I call leave a voice mail with my point of contact who has not returned XXXX voice mail from me. XXXX XXXX my representative on my account spoke to XXXX at XXXX and advised the sale of the house went forth on XXXX XXXX, 2015 and advised my paperwork had been submitted late. All this time we have called and each week advised it under " review ''. I have not had documents mailed to me on this status.
On XXXX/XXXX/XXXX I received a letter fromDynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX stating I owed {$360.00} to XXXX XXXX with no date of services. Account # XXXX. I called the XXXX XXXX number on the number and spoke to XXXX. He demanded money and I had to actually shout at him to get him to stop so I could ask him some questions about this debt. He finally told me that this was from a hospital in XXXX, XXXX.and it was prior to XX/XX/XXXX. I have never been to XXXX, XXXX prior to my cross country trip in XX/XX/XXXX. I was never hospitalized in any hospital in XXXX. When I pressed him for details and a formal billing, he would not provide that, not even a date of service. But he proceeded to demand money. I am not paying for a bill which I have no idea of it 's validity. When asked if they could contact me, I told them not to call. only correspond by mail. Please get them to cease and desist as this is nothing more than a scam.
on XX/XX/17 I sent letters to XXXX, XXXX  and experian requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.
I was not sure whether " lost or stolen check '' or " fraud or scam '' better fits my situation. I wrote a check for a man who was supposed to provide services for myself and a client. Before I gave the check to the man, my client informed him ( not yet me ) that the project was cancelled and that we no longer needed his services. At the time, no work had begun at all, and none has ever been done, at all. He and I had already scheduled a time to meet for me to hand over the materials to start the job and the check for the project. When we met, he lied and said the project was still " on '' and I handed over all of the materials and the check. Minutes after I handed him the check, the client told me the project was cancelled and that she needed to make sure he was n't prepaid for it ( and that she had already told him this ). I immediately told him that I needed the check back, that the project was cancelled and that I was aware that he was notified of the cancellation before he accepted the payment. I told him there would be a Stop Payment on the check. He would not respond to my texts and phone calls and went immediately to a check cashing store to cash the check that he knew had a stop payment on it. Flat Out Fraud. The check cashing store cashes the check and pays the man. Days later, when the check cashing store tries to deposit that check into their account, it is returned because of the Stop Payment. They first try for several days to contact the man, but of course, he is a criminal. He is not going to do the honest thing, answer them, and right his wrong. After he does not answer them or respond in any way, the check cashing store calls me to " collect a debt ". They call multiple times a day to pressure me to pay them back what they paid to him. I do not have a debt to them. I did not go into their store and take money from them. The man did. I confronted the man about this and told him that I needed the money that he took from the check cashing store. After first trying to deflect and change the subject, he apologized several times and said that he would " get me my money back ''. However, he never has, and has continued to ignore calls from the check cashing store. The check cashing store now harasses me everyday to pay them. I do not believe I should have to. I did not defraud anyone and have never even done business with their establishment at all.
For over XXXX years I have had a reverse mortgage on my home at XXXX., XXXX, FL XXXX. In XX/XX/XXXX due to my wife 's XXXX XXXX I decided to scale down my house and vacate the home with the reverse mortgage. For XXXX years we have been trying to submit a short sale Application to dispose of this asset. Based on an HUD appraisal in XX/XX/XXXX we were told we had to sell it for {$600000.00}. We immediately obtained a buyer for that amount in XX/XX/XXXX and submitted all the sale documents etc. to HUDs contract bank. Both my real estate brokers, myself and lawyer attempted to follow up and got no response for several months that summer ( during which our XXXX contact left the bank ). Finally in XX/XX/XXXX we were Contacted by XXXX and told that even though we met the price set, the appraisal had expired therefore we had to resubmit the short sale package, losing our XXXX due to the six-month delay This we did twice in XX/XX/XXXX and have still not been able to liquidate the house. While the property not being occupied has deteriorated to a great extent in the XXXX years of non-occupation so I have spent about {$60000.00} in XXXX fees, taxes, legal fees, upkeep, utilities etc. over the XXXX years. 
I am XXXX and living on retirement funds and can not continue to keep up the empty home. Which will continue to disintegrate while interest in excess of the house net worth continues to increase. The bank : Reverse Mortgage Solutions Loan number XXXX XXXX XXXX 
Spring, TX XXXX XXXX. 
I seek Immediate relief from any responsibility for this home and require your help to expedite XXXX to approve our sales contracts XXXX XXXX XXXX current address : XXXX XXXX, FL XXXX
I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me 10 times a day, as a XXXX with XXXX XXXX issues this has trigger my XXXX. Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.
I informed the company I was a XXXX XXXX XXXX veteran on XXXX, and social security, that, That I was theconsigner, and that I would voluntarily surrender the care. The company never sent me any information on car, it wS reposed in XX/XX/2016, within this last week it was placed on my credit report after I had disputed it, The company placing it on. Y report is not the original debt, I have no contract with this, company that has placed this on my credit report. I am asking it be removed as legally they are not the lien holder, they have no right to my social security number, or my credit report, So I am asking that the CFPB ASK THEM TO DO THE FOLLOWING, REMOVE THIS FROM MY CREDIT FILE, This letter is in direct response to your companies answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. 
I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. 
There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file. 
Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 
I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. 
If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC, and my Attorney General. 
If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts.
I have been called repeatedly by Pioneer Credit. Their number is XXXX. They often call early in the morning on weekends and wake up my children. When answering, I hear an automated message -- it references a debt of a XXXX XXXX. So I know the debt is not mine as that is not my name. I have only had this phone number for XXXX months so I assume the debt relates to a person who had my phone number previously. I called back and the representative was not helpful and noncommittal about when/if they would update their database and stop calling.
On XX/XX/2017, my card was charged {$25.00} from XXXX and {$60.00} from XXXX. I did not approve or make these charges. After calling both XXXX and XXXX i realized someone was using my card to make these unauthorized purchases. I have an email from XXXX stating these charges were made on a different account with my card and were fraudulent. I also spoke with manager XXXX at XXXX who printed me out a statement to where the pizza had been deliver. It was not my address or name or number. I disputed these charges the same day with American express Serve. I was informed i had to call back because the charges were still pending. I called back that following Tuesday and put in my dispute. Less than 24 hours later i received an email from American Express saying, as per their investigation, the charges were authorized and they were permanently locking my account. I called and spoke with numerous supervisors and made them aware, as i had from the start, that i had an official email from XXXX stating the charges were fraudulent and XXXX would also say the same. On top of having been stole from, my bank did not investigate my claims or these fraudulent charges, basically telling me i was lying and closed my account which i have been in good standing with for over 2 years and my paycheck is deposited on. I was advise to fax the proof and a document to American Express. When i called to see if it was received they told me they could not do anything because the account is permanently locked. I just want my {$85.00} back and a apology for the lack of investigation and closing my account.
I recently submitted a payment of {$350.00} to one of my student loans. I placed notes on the check memo, I submitted a piece of paper with instructions on how to apply the payment, and I submitted a document saying how the payment was to be applied as requested to my lender. I have had to contact Navient each time I 've had a check payment submitted due to them not applying my payment correctly. Even when I follow their instructions. This causes interest to build up and bill incorrectly. I requested a full audit of my student loans be completed and provided to me. I have not heard back. I filed a complaint with the department of education and the payment was corrected but I was never provided with an audit. This is the third instance in which Navient has applied my payments wrong, and against instructions. The first time was in XX/XX/XXXX for {$3800.00} - The second time in XX/XX/XXXX for XXXX, and finally I submitted a payment in check format for {$350.00} in XX/XX/XXXX. I will be filing a complaint with the Department of Education again.
In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.
on XX/XX/2018 at XXXX XXXX, XXXX XXXX ( for XXXX XXXX ), called my job at XXXX about a debt that was owe and off my credit report and talk to my coworker about the problem. didn't verified any information regarding the debt, just asked for my name. and told all personal information about this debt. the person that was talking on the phone from XXXX XXXX was XXXX XXXX. i have repeatedly had phone calls from this company with harassment, and i told them to stop calling. Their number is XXXX and the reference number is XXXX. they also been calling my phone number XXXX multiple times. i didnt authorize this company or XXXX XXXX to call my place of work, relatives or cell phone in regards to this debt.
PayPAL bill me later continues to call me multiple times after sending debt validation letter.
Rep called me after  XXXX  multiple times in the month of  XXXX , I answered the phone once and told her it was against the law to call after  XXXX  Rep said " sorry I must have not refreshed the time ''.
I also sent a debt validation letter and have only received statements regarding the account. The company did not provide me with a valid contract that I signed.