WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, my husband and I relocated to XXXX, XXXX. At that time we had our personal residence in XXXX XXXX, XXXX which needed to be sold. Previously it was rented several times and the renters ' moved out, causing a hardship of paying the mortgage. In XXXX, XXXX XXXX listed our property, XXXX XXXX XXXX, for {$190000.00}. It did not sell so we contacted Citi Mortgage for consideration of a short sale. To be approved for Short Sale we had to show a hardship of not being able to pay the mortgage. The Citi Mortgage representative, XXXX XXXX, obtained the BPO ( Brokers Price Opinion ) for {$140000.00}. The property went into pre-foreclosure at XXXX County Clerk of Courts and sold on XXXX XXXX, XXXX. During the ten day redemption period, the listing agent sent XXXX offers to the Citi Mortgage Representative, XXXX XXXX, a short sale representative. The offers were for {$110000.00} and {$110000.00}, the latter offer being increased to {$120000.00}. During this time Citi Mortgage gave me the impression they wanted to assist me in keeping my house out of foreclosure, but Citi Mortgage did not accept either offer! This dialogue is documented through emails, which will be sent in attachments available on a word document. 
I contacted Citi Mortgage regarding the above mention property and was informed the property sold on XXXX/XXXX/XXXX for the price of XXXX and the account was closed on XXXX/XXXX/XXXX. 
The National Mortgage Settlement and Independent Foreclosure Review included this property in a complaint against Citi Mortgage for their erroneous errors and mismanagement against consumers regarding various mortgage issues. On XXXX/XXXX/XXXX, I received {$1400.00} from National Mortgage Settlement, and on XXXX/XXXX/XXXX {$500.00} from Independent Foreclosure Review. These amounts do not represent the hardship I have incurred which has caused damage resulting in me having no credit worthiness. 
The reason for my complaint is that I desire to be fully compensated for damages to my financial portfolio. These acts by the mortgage company have prevented me from obtaining mortgages, low interest rates for credit cards and various loans. This hardship has denied financial possibilities to aid in obtaining credit stability to purchase a home. 
Thank you in advance for reviewing my complaint.
American express has locked my Membership Rewards for more than 3 months for no reason. They deducted XXXX points from my account on XX/XX/XXXX for not reason.
Yet another call from Alliance One, this time it was XXXX XXXX in XXXX ... se said they would remove me from the data base ... same thing they said last time i complained. 
PLEASE REMOVE my number from your data base, i have had this number for over 3 years ... I am not your debtor Previous complaint # XXXX
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX
Kohls has went back and changed my payment history to show I never made on time payments which is false. My account was in a positive status for awhile. I had my account and then fell on hard times. I am very upset to see they went in and reversed my payment history to show no on time payments.
My credit reports shows I owe a debt of {$2000.00} ( Account Number # XXXX ) I repeatedly disputed this claim with CAPITAL ONE BANK several times via mail over the past 2 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from CAPITAL ONE BANK debt is belong to me.
Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.
on XXXX XXXX, 2016, discover card services pulled my credit report without my consent. I did not apply for any credit, nor obtain any goods from Discover card services. there is a fraud alert on my credit report and the company failed to verify any information. There are XXXX inquires showing up on my credit report. XXXX and XXXX. Both dated XXXX/XXXX/16. I have not received a letter from the company. I only knew the company pulled my credit report by an alert from all three credit bureaus. This company has engaged in fraud and identity theft.
This account is showing up on my credit reports but I don't know what it is for. I have sent two letters to this company and have not received any form of correspondence back from them.
I have spoken with XXXX Different FMA Alliance representatives, they confirm I am not the person they are looking for, promise to remove me from further telephone calls, but they keep calling
I had a checking account with M & T bank. Had an opportunity to make some extra cash doing what most like to do and that is shop. An evaluation compamy contacted me to evaluate companies close to my home. Well I fell for it and they sent me a check to make purchases and it was fraudulent. but I did n't know that so I deposited it ( never touched it ) and they closed my account and told me the decision was made due to past history. do n't have past history. all I want is my account back.
Debt appears on my credit report for emergency medical services but services where never rendered to me, i live in texas and was working and can prove it. the debt was created out of state. this is clearly resulting from identity theft
XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money.
An unauthorized withdrawal of {$120.00} was made by Capital One from my XXXX XXXX  Checking account on XXXX XXXX, 2017. I contacted Capital One the next day and they were unable to explain how this withdrawal was made from my personal account since I have no financial relationship with Capital One. They indicated a willingness to investigate and now, after almost 3 months of telephone conversations with Capital One banking representatives, they have still not provided an explanation of how they made this fraudulent withdrawal. 

Additionally, they falsely claim that Capital One reimbursed the {$120.00} to my XXXX XXXX account. XXXX XXXX XXXX XXXX confirms this has never occurred. 

No evidence has been provided explaining the withdrawal nor has Capital One provided any evidence of the reimbursement to my XXXX XXXX savings Account.
I have advice Portfolio Recovery that I have never had a XXXX account and request that validation be provided showing proof of my signature, Portfolio Recovery ca n't provide the requested documentation.
I applied and received a car loan from Santander Consumer USA XX/XX/XXXX. XX/XX/XXXX I was having trouble making payments due to child support problems and reached out to Santander for help and guidance. They led me to believe that payments could be deferred and added to the end of the loan. What I did not realize was that I was modified into a simple interest loan with a balloon payment at maturity. Still to this day I have actually not been explained this product by Santander. Someone who used to work for them described what happened to me from looking at my statements. I had every reason to believe that when asking for help, Santander would have worked in my best interest, instead of using my hardship for their gain. I feel I have been deceived and have no recourse to get out of this loan. I want to make sure this does not happen to another as well as have some resolution as to how they have the ability to restructure a loan without me signing new documents or fully understanding what I was agreeing to.
The borrower, Ms. XXXX received a notice on XXXX of a Trustee Sale scheduled on XXXX. Mr. XXXX contacted the lender on XXXX to request Mortgage Assistance. She was informed by a representative that the lender, Nationstar Mortgage LLC would not allow her to pursue a short sale because they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why she was n't provided with the notice at least 37 days prior to the Sale date so that she would have had enough time to request mortgage assistance. The representative stated that such notice was something that they were not required to do and that the Sale date will go through as scheduled. However, pursuant to XXXX XXXX of the California XXXX XXXX, " The sale date shown on this notice of sale XXXX be postponed XXXX or more times by the mortgagee, beneficiary, trustee, or a court. '' Furthermore, pursuant to XXXX " At least 20 days before the date of sale, deposit or cause to be deposited in the United States mail an envelope, sent by registered or certified mail with postage prepaid, containing a copy of the notice of the time and place of sale, addressed to each person whose name and address are set forth in a duly recorded request therefor, directed to the address designated in the request and to each trustor or mortgagor at his or her last known address if different than the address specified in the deed of trust or mortgage with power of sale. '' Ms. XXXX did not receive such notice via Registered or Certified Mail and thus the Lender did not provide proper notice.
I am & have been paying for 2 years a monthly amount to this DEBT COLLECTOR for AMEX. Both the debt collector, XXXX & / or AMEX refuse to stop reporting this debt as un collectable, regardless of my paying for 2 years.
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion : Delete : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX
I applied for a loan that was necessary via Castle Payday. I checked the scheduled delivery date and the account / routing number. Everything was accurate on the loan application ( I have printed copies ). 

The funds never made it to my account, and I have spent two days on the phone with a call center XXXX. 

I have been on the phone with that call center too often, and they have begun to lie to me. The first issue was that they mentioned that the account number was too short. After being disconnected while on hold, I called back. The next issue they told me was that the account number was correct but the routing number wrong. After being disconnected while waiting for the supervisor to get a bank representative on the line, I called the bank and verified the funds were never deposited. Again, I have a print out of the application. The account numbers are accurate, and were entered correctly. 

My concern now is that this company has my personal information, which it has misused and further misrepresented itself during our business transaction. 

I can not contact any employees of Castle Payday. They will not respond to emails I have sent them. 

I can not get a clear answer to whether or not funds were moved, or if this was some sort of scam.
ClearSpring Loan Servicing of XXXX, Texas has been calling me over a defaulted mortgage debt. They claim I owe them around XXXX. I asked to see in writing how did they come up with that amount and the collection representative told me that her legal advisor said it was illegal to provide me with such information. I 'm the consumer and it 's illegal to provide me with information about my loan???? That does n't make any sense. All they were willing to provide was a copy of the original mortgage contract that I signed years ago. The contract does n't advise me of the amount that is still owed after a few years of payments. I also believe the statue of limitations is up. I need to see proof that I owe the amount that they are stating, how did they come up with that number? To me that 's like walking in a store and the cashier asking me to pay a certain amount without telling me how much something is. ClearSpring Loan Servicing should be able to prove I owe the amount they say I owe. If they are unable to provide proof, they need to stop calling me and remove the debt from my credit bureau.
I used my personal checking account to make a XXXX time payment to Discover on behalf of my son. Some months later Discover used my account information, which they saved, without my permission to debit my checking account with an e payment for my son 's account without my authorization. When contacted Disover stated they could not remove my account information until the charge was disputed and declined by my bank. Is it legal for Discover to store my information without my permission and refuse to remove it at my request.
XXXX Bank continues to " run '' my credit history even when I put them on notice numerous of times. I never consented and I even filed a Fraud Alert with credit card companies to stop anyone from running my credit history resulting in a hard credit inquiry on the report, thus reducing my credit score. I want the hard credit inquiry removed. Why does XXXX continue to hurt consumers credit history?
Due to financial problems and after exhausting all savings and annuities, and after being denied an equity loan, we contacted Wells Fargo Home Mortgage to refinance our home loan on XX/XX/XXXX. We 've owned our home since XX/XX/XXXX. We were advised to submit a " Loan Modification '' contract instead of refinancing our original loan. On XXXX we completed all the paperwork and their " specialist '' explained the program. We would not need to make a mortgage payment until XX/XX/XXXX. And the modification trial period would last 4 months. And then on XX/XX/XXXX a new 30-year mortgage would be issued. We have reason to believe we have a case of " Dual Tracking. '' Since we began the process, we began receiving letters, at least one a week, from Wells Fargo to inform us our mortgage was in default. Our mortgage has never been in default. With each letter received, my husband would call them. He has asked them repeatedly why the foreclosure threats when we are on the loan modification program. None of their answers make any sense. We have received one letter through certified mail and then today a person " hand delivered '' another letter asking us to call and discuss our possible foreclosure. Each time we speak to them, we get nowhere. On XX/XX/XXXX the new mortgage loan amount was debited from our bank account, just as planned and promised. Then today we get the hand delivered letter requesting us to call them. So my husband called them. Today 's call revealed that the Mortgage Foreclosure Dept does not what the Loan Preservation Dept is doing. We feel harassed and fear we may loose our home. I learned of your website on the XXXX XXXX XXXX, reporting how a couple lost their home after going through a loan modification.
The bill with XXXX was my fathers who is dead I only lived at the house with them but never had a electric bill in my name in my life, when my parents died they put the outstanding bill in my name.
we have had a chase credit card account for our business for nearly XXXX years. it has never showed on our personal credit reports. a payment was late in XXXX XXXX this was a bank error. chase decided to report this lateness to the credit bureaus and put the account on our credit reports even though the account and the previous XXXX years of on time payments had never before been on the personal credit reports. as long as it was in a positive status they did n't bother reporting it. only when it was late did they decide to add it. this late payment status has negatively affected my credit and has caused a lengthy mortgage refinance process to come to a halt over this late payment on the credit report. without this refinance we stand to lose close to {$90000.00}. chase will not entertain the possibility that this is an error. they refuse to change the information. they do n't care even a little about customer service or a decade long customer relationship. they did not speak with us prior to this action.
I started paying on these loans on XX/XX/2012. Total payments towards Navient equal {$14000.00}. The balance of the loan remains almost at the same amount when the loans were first taken out. 

I also filed a complaint with Navient regarding the loans because some of those loans i don't recall signing for. When i was attending XXXX XXXX, i was paying XXXX over {$950.00} per month using my Gi Bill. On top of that, these loans were taken out for no reason, i was paying 100 % of the fees due to the school.

Attachment shows payment history.
Hard Hit Inquiry without permission XXXXQuicken XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.
They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.
On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
The interest rate is almost 30 % I will never pay anything towards the principal. My payments are monthly and they will always go to Interest. It 's suppose to be a place to help me get out of debt now I 'm in further debt because I ca n't pay this loan off because of the obsurd Interest rates. It 's not a company that wants to help it 's a company that just keeps offering to loan you more money every month to keep you in debt!
This is a complaint related to other complaints I have already submitted. 

Case numbers of the related cases are XXXX and XXXX. 

As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.
Experian did not delete a public record account on my credit report. NYS tax and fiance in the amount of {$3300.00} which was a paid judgment was due to be deleted from my report as the allowed time has passed. I tried to dispute it online through experian website but unable to do so as the system would not allow me to do any disputes. I tried contacted experian by phone and was told that it is not reporting on my credit report. I just checked it through XXXX and XXXX and it is still reporting.
My payments are {$510.00} a month and I have called several times to ask for lower payments or for them to work with me in anyway. They told me point blank, they do n't care about customer service, they would rather I take my loan elsewhere and they lose out on money than to help me with making my payments. I had no idea that when my loan went into repayment that I had been locked into a monthly payment of {$500.00} to pay it off in 120 months. They did not explain that to me until after the fact when my monthly payment increased and when I called to ask they said that 's what you signed up for, the best we can do is offer forbearance for three months with interest still accruing. More people need to know how awful Sallie Mae is with their policies and their customer service. They simply do n't care about the customer at all.
Have an open auto loan with my credit attached to it but none of my information. Do not have an open auto in 2011.
I sent Diversified Consultants a dispute letter dated XX/XX/XXXX via XXXX certified mail, that was delivered and signed on XX/XX/XXXX. In my dispute letter I clearly ask for validation of this alleged debt. I request this company to provide me with any document bearing my signature that states I agree to pay or owe Diversified Consultants any outstanding debt. I have never spoken to anyone from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe, and I'm very specifically asking for copies of documents bearing my signature that connect me to this account. Diversified Consultants has no where near provided me with that. What they sent me was a letter dated XX/XX/XXXX which states they are in receipt of my request for this validation of account, but they don't provide any of the proof I request. They send a copy of a revised bill with just the amount XXXX on it and its says Due Immediately. At the top of this bill it has Bill period XX/XX/XXXX-XX/XX/XXXX. 

Also after reicieving this dispute, Diversified Consultants never contacted any of the credit agencies that they are reporting this and marked this account as Disputed as required by law. 

I followed this up with another USPS certified letter dated XX/XX/XXXX that was signed for by Diversified on XX/XX/XXXX. In this letter I continue to state they have not provided me with copies of the signed documentation that I request. My letter clearly states per FTC Attorney XXXX XXXX a copy of a bill isn't debt validation. They have provided mw with nothing to validate this alleged debt as belonging to me. 

Clearly they don't have the documentation I'm requesting on this alleged debt, or they would just provide it. They are stalling while they blantly skirt FCRA laws. If this account isn't immediately deleted from my credit report, and not sold to another collection agency, my next step is to sue Diversified Consultants in court for various violations.
probably XXXX 6 years ago the credit bureau said I owed money on a capitol one credit card. I have never had a capitol one credit card also they said I had a XXXX credit card which I purchased a computer. I have n't signed up for a credit card thru XXXX. I have n't had a computer for probably XXXX or 7 years