WillisBack/dataset-financial-user-claim huggingface dataset:
Hello my name is XXXX XXXX and im trying to obtain a loan modification to save my house. In this process has made me very confused and feel mislead.Trying to obtain a loan modification threw Carrington Mortgage Services seems impossible. I do n't even know which bank or mortgage company im even dealing with .The statements that are being sent out says XXXX XXXX XXXX and other statements says Carrington Mortgage services.When your also dealing with XXXX different people who is asking to submit information that you already submitted in which I mailed faxed and emailed 5 different occasions it makes you wonder what is going on with this company. My account was assigned a representive from there company but never could get a hold of her and she also said was n't receiving certain documents that I faxed 6 times to there company. I believe and will be proven that there conduct is not only unproffesional but unfair as well. Each and every time I submitted a loan modification packet I was told I did not meet the time requirements as far as them receiving information they needed from me on time and it was always pass the deadline they gave me to that they said they received my paper work. So I was told and letters being sent out to me stating that I was not approved for a loan modification twice because they said they never received my 30 day profit and loss statement but I faxed it to them 4 times well before the deadline they gave me. I was never told I did n't qualify. I just would like to save my home for me and my children, a string of un fortunate events lead me to this position that im in and I just want to save my home for forclosure which is scheduled for sale on XXXX/XXXX/2015. Which gives me very little time to figure this out. I believe threw there unproffesional and misconduct and tactics on acting like there not receiving certain information is a direct attempt to discourage me and in there actions directly cause me to lose my home instead of doing a loan modification in a honest way which would help me save my home. Im getting different info from Different companies for instance Carrington Mortgage Services sends me current mortgage bills, XXXX XXXX XXXX sends me current Mortgage debt as well. This whole ordeal has me lost and confused. If you could help me out in anyway in this matter I would truly appreciate it and would be thankful if you could help me get some honest results in this matter. Im actually working with a company called XXXX to also try and help me in this serious time sensitive matter. So with combined efforts I hope something can be done for me and my children so we can stay in our home and live the AMERICAN DREAM .Thank you for taking the time to read this letter. I work for ups and I own a cleaning company, i work hard to provide for my children and will do the same in making sure i can keep my home for us.
For several months I 've received phone calls ( voicemail messages ) from Transworld Systems , Inc. requesting that I return the call to a person ( the name changes periodically ) to discuss payment on a debt that I owe. 

I keep up with my outstanding debts and I do not owe anything that a collection agency would be calling me about. I researched the company online and have found there are numerous complaints about the company and the tactics used in an attempt to collect outstanding debt. 

The phone number being called is a residential landline phone. Perhaps the person having this phone number prior to me has outstanding debt, but I do not. Also I purchased my house in 2010 through a foreclosure proceeding, and I suspect the person who owned the home prior to me has financial problems based on the financial transactions posted to the county Recorder 's office prior to the foreclosure and the continued mailings I receive in that person 's name that run the gambit from attempting to collect money owed to offers for vacation giveaways to gambling casino resorts. I also receive mail in the wife 's name and a son 's name that show they have continued to use this address ( now my address ). 

Based on the online testimonies of all those who write about this company I will not be calling this company back to inquire or set the record straight at any time in the future. It appears from the details of the writers any attempt would be useless and only empower the bullying tactics of the company. I would like the phone calls received 2-3 times per week to stop, however.
XXXX XXXX with Nationstar on XXXX/XXXX/XXXX @ XXXX called to informed me AGAIN my loan modification had a problem, he noted that it was an accounting error. The papers were re signed on XXXX/XXXX/XXXX for the XXXX time. He noted they would offer {$300.00} cash gift card. I received a letter tape to my door offering {$150.00} stating my MOD loan was rejected. My loan modification has been booked several times once in XXXX and XXXX now they 're saying it has been rejected. Please see previous compliant on case # CFPBXXXXXXXX On XXXX/XXXX/XXXX Nationstar deducted out of my checking account than what is agreed according to my Modification. My agreed amount is XXXX, they deducted {$990.00}. Solution provide correct documentation my loan should also remain as per noted on Loan Modification documents, refund the amount they taken out of my account unauthorized.
My mortgage started at {$150000.00} with XXXX, I put down XXXX % and thought I had a decent mortgage. After XXXX went out of business, it was sold to an investor. The servicer became XXXX XXXX XXXX, I attempted a modification while being serviced by XXXX XXXX XXXX and my mortgage went to {$180000.00}, however my interest rate was 10 % with a balloon payment. My mortgage was transferred to Select Portfolio, where I was given a remodification, which brough my mortgage up to {$180000.00}. My new interest is 9 %, but after calculation, over 10 years, I have paid over {$200000.00}, my new mortgae after modification, has no pay down, I am patying interest to infinity with a baloon payment of {$180000.00} + that can come due at any time. I have tried to apply for another mortgage but because this is not FHA, I have had no success. I would like to stay in this home and have done everything I could to pay my mortgage, but this is a worst case of predatory lending, and I see no end in sight. No one can tell me what type of mortgage this is, and my questions go unanswered. I just want a regular mortgage with a moderate interest rate and a payoff date. Please help, Please
There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it XXXX Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in XXXX in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.
Im getting solicited by Chase bank mailers for checking accounts. I am on the do-not-solicit mailing list and ive wrote them 3-4 times and emailed the same .... they are now at a point of harassing me with their mailers. 

address is from : CHASE XXXX XXXX XXXX XXXX, OH XXXX addressed to " Our Neighbor '' privacy statement on thier website does NOT LIST an address to write to be removed from mailing list.
A hotel booking was made using the Citi Concierge for a Citi prestige 4th night free booking. 
By using this service provided by Citibank, the Citibank Concierge books the hotel for you for 4 nights, and you receive a statement credit equal to one night stay stay for 4 nights, pay for 3 nights. 
The booking was made by the Citi Concierge named XXXX, Case Id : XXXX The booking was made on XX/XX/XXXX. 
XXXX made the booking for the XXXX XXXX XXXX XXXX and confirmed it would qualify for the 4th night free benefit. 
I was required to sign an authorization form for a non-refundable deposit and then email the concierge that the form was signed, and the deposit was charged. 
XXXX. XXXX, 2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} The balance was paid on XX/XX/XXXX XXXX XXXX, 2018 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1800.00} The 4th night free credit was to be applied to my account within 2 statements. It has not been applied and now the Citi Concierge is refusing issue the credit. 
I am disputing {$950.00} of the {$3900.00} billed for the amount the of 4th night free credit that I am owed. 
The CitiConcierge made the booking under the 4th night free benefit, the booking was paid in full using my Citi Prestige card, I complied with all the terms of the program.

I did not make this booking, the CitiConcierge made this booking. 
I have attempted to resolve this with Citibank directly and they have done nothing. 
This card has a very large annual fee, I do not appreciate trying to be cheated out of using the benefits of this card.
I went to XXXX XXXX XXXX XXXX XXXX XXXX, ca. I was informed that once you sign up, that all of your time there would be utilized experience for your job application opportunities. Every time, after graduating from the school. They would give me a list of places to apply to. I would. Go in for the interview. Some of the interviewers laughed in my face, stating, we dont care how long youve been at that school. You dont have enough experience to work for us. Or, Im under qualified. Its embarrassing.
For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks XXXX XXXX
On XXXX/17 I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XXXX17 that the investigation may take up to 30 days. It is now XXXX/17 and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.
Hello, I was issued a check from the CFPB on behalf of a complaint filed against National City Bank on  XXXX   XXXX ,  2015 a  nd the  check has now expired. I would like to have this check re-issued to me. I have the check and it has not been cashed.
I just would like the XXXX Federal Government to do what is right byrequiring that all nonbank institutions ( ex. PayPal, XXXX XXXX, andVenmo ) become FDIC insured. Doing so would prevent financialdisaster for many customers if their nonbank institution were to ever gobankrupt. It 's just better to be safe than sorry!
Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. XXXX XXXX had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from XXXX XXXX indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.
I already submitted a complaint for discriminative closing of account without notice. 
From a deposit caused by my employer request : XXXX XXXX XXXX, of {$4900.00} issued by XXXXXXXX XXXX  XXXX XXXX or XXXX, the check from bank statement returned unpaid because of counterfeit!!!! bank Suntrust applied a {$36.00} returned item fees + {$3.00} ATM balance request fee for a total of {$39.00} making mt account with overdraft fee - {$39.00} due to bank suntrust making the account closing! I submitted supportive documents on this website and the bank calls me acknowledging of making a decision about it ; but nothing else changed, I receive a letter of statement saying that no item were returned 0 item returned after 1 item deposit? but balance stays {$0.00} I did make a check of {$4800.00} to pay a merchant from that account, the {$100.00} balance should be my start up bonus from : XXXX XXXXXXXX XXXX! But the bank suntrust without clear explanation of what happened : why stating a returned item unpaid, than counterfeit, sending a legal copy stamped counterfeit????? 
why applying a return fee of {$36.00} and close the client account without notice? 
why stil clsed claiming that no item was returned, maintaining the account at the opening balance of {$0.00}, because this account was oened to make future deposits not immediate funding deposit???? why?? and moreover no apology written to shows their discomfort toward this succession of mistakes from their employees?
I have received several written " Demand for Payment '' from XXXX XXXX XXXX beginning XX/XX/XXXX. Re :  Unpaid Toll Invoices from XXXX XXXX  XXXX XXXX. The amounts are always different from $ 250- {$300.00}. I live in another state far from Texas and called to report that this was mailed to the wrong person. I was told the toll balance was a total of {$1100.00}. I was advised to contact the DOT to make sure this vehicle was not registered in my name. The form has a license plate number, the DOT would only tell me the make of the car. I placed a fraud alert with the credit agencies, although I did not notice any suspicious activity. After I received another notice for payment of {$300.00}, I sent a certified letter on XX/XX/XXXX to XXXX XXXX XXXX, to notify them, they are trying to collect from the wrong person, and requesting proof of why they believe I am the person responsible for this debt. I received another notice on XX/XX/XXXX, called to find out if my letter was received and it was, I was told this was under investigation. Today XX/XX/XXXX, I have received yet another notice for {$270.00}, without any explanation. I have a very common name, never drove in Texas, and want these people to stop sending me collection notices.
I am writing to state that this company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit reports with XXXX, XXXX and XXXX. The inaccurate information that is clearly different on all three credit bureaus. They are supposed to report the same information on all three credit bureaus, this is causing me to get denied for credit and if not deleted from my credit will consult with an attorney who specializes in FCRA violations. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX High Credit : XXXX  {$16000.00} XXXX {$20000.00} XXXX {$20000.00} Last Reported : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Also , this is clear evidence that they are not reporting accurate information per XXXX XXXX  guidelines set forth by the XXXX.
I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRC A 605B  XXXX  AND TRANS UNION HAVE REMOVED THE FRAUD ACCOUNTS BUT  XXXX  HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION  EVEN THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
i dont have any account balance whit sears card and in XXXX XXXX pages reflects a {$68.00} balance active.
On XX/XX/ I wrote a letter stating, I missed my payment because I recently lost my father and have to assist with funeral cost and other financial burdens.I asked if my payments could be reduced for the next 2 months on my debt starting XX/XX/. 
Also stating I am not able to meet the current payment of $ XXXX.But I  will pay you {$50.00} per month. I requested that my account not be placed with a collection agency and withholding interest on my debt.
In the first XXXX years that Seneca Mortgage Servicing, LLC has serviced our mortgage, they have failed XXXX to make the home insurance payment on time. Now we are dealing with a large insurance claim to replace the roof due to storm damage. Seneca only use standard mail to exchange forms and does not use email, fax or other faster forms of communication. It took XXXX weeks for them to send us the forms required to initiate their process. They say it will take another 5-7 days after receiving for them to process the forms and release the funds to pay for repairs - and that is best case. In the meantime, our roof is vulnerable to leaking during the raining/stormy season while Seneca crawls along " protecting '' their investment. Why is an archaic company allowed to remain in the mortgage servicing business when they are actually causing problems for customers and putting property at risk? If I had a choice of servicing companies, Seneca would be on my " never use them '' list.
My private student loans were charged off and turned over to a collection agency sometimes in late XX/XX/XXXX I believe, though overall I 'm unsure as I do n't recall receiving the initial formal notice. I filed for Bankruptcy in XX/XX/XXXX, and began making payments in an attempt to repair my credit in XX/XX/XXXX. I have been making regular, on-time payments since and entered a formal payment agreement with reduced interest rate as of XX/XX/XXXX as well. Since, the collection agency has continued to be irresponsible in their collections practices, forgetting to contact me to initiate reauthorization of payment arrangements and more recently sending notice of intention to pursue debt, for which I am already paying as agreed. 
Further, the originating debtor reports my account as " closed '', though continues to report my account as a " charge off '' each and every month to the credit bureau, continuing to damage my credit each month despite this already being turned over to collections and me paying on it each month as per a formal/written agreement. I have attempted to contact the original debtor to address my concerns with their collection agency and get some guidance as to options available and potential rehabilitation and reassuming my debt, though have been unsuccessful in reaching anyone as each time I am redirected to the collection agency through the phone system.
COMMONWEALTH FINANCI {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). OnXX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact Equifax, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
I received an offer from XXXX that if I opened a gold credit card with them and I spent XXXX XXXX during the first 3 months of account opening, they would give me XXXX in points. I spent the {$2000.00} on the first week of opening the credit card and already paid it off. 
I do understand that points are available once your first statement is generated since thats how all my other credit cards work. 
I opened this credit card approximately on XXXX XXXX and my statement closed on XXXX XXXX so I called and spoke to a representative to ask when I was going to have my points available, and she said I should see them available on the XXXX. Well, today I looked and I never got my points. I called again and now they said that my points were going to be available by XXXX XXXX, I spoke to a supervisor named XXXX and I told her that on the advertisement XXXX sent me to open the credit card they never point out that it would take that long to receive the points it just says after spending XXXX in purchases She said she was going ro file a complaint but there eas nothing she could do ...