WillisBack/dataset-financial-user-claim huggingface dataset:
I have been enrolled in public service loan forgiveness for years, through 3 different servicers since this program was made available in XX/XX/XXXX. I am an XXXX working in XXXX XXXX XXXX since XX/XX/XXXX. This program has allowed me to stay and not go work for a private firm which would pay more. It allows me to plan for retirement. These servicers fail to give me credit for payments made ( some full payments made during a forbearance reps suggest while we wait for recertification or verification or new beneficial regulations to go into effect are not counted - they need to give credit for these payments ). I have asked many times for a supervisor to call me, to address the problem, for an analysis of my payments, for them to update the number of payments I have made, to correct the ongoing errors. They do not respond and they refuse to share contact info. I have spent countless hours on the phone trying to get answers and credit for payments made. I have sacrificed many many months and even now, years, when payments could have been made but we needed to wait for these service providers to implement a new program or process documents or especially while transferring to new providers ( especially waiting fr XX/XX/XXXX which was date fo 10 % cap implementation - it took until XX/XX/XXXX to actually have them do it - so I lost a year and a half. Bottom line is I am entitled to additional credit for payments made. I request and am entitled to credit for EVERY payment I have made. Errors in the past decade where plans were incorrectly assigned to me or employees of XXXX XXXX failed to process applications and documents I have submitted, all need correction so that I can RETIRE. This is the worst administered program I have ever encountered. And I work in XXXX. It is not fair to the borrower. We need to be able to talk to the same person and not rehash the issues with multiple people, many of whom lack the knowledge to address the issues correctly. I did get a few corrected recently but I can not understand why some were fixed and not others. I have large files full of documents.
Transunion has refused to delete incorrect hard inquiries to my credit report after a glitch within their system. I have called and filed disputes. Inquiries : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX.
Experian, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly.
I had a XXXX XXXX charge card opened in XXXX. I had financial problems as the Real Estate market is unpredictable and I'm a XXXX. I was making payments to XXXX XXXX in XXXX of {$75.00} dollars I missed a few payments after about 6 months they sold my account off to XXXX who in turn sold it to Lustig, Glaser & Wilson.  This Attorney has not been agreeably to settling the first time I asked them they filed a judgement against me while I was trying to save my home from Foreclosure, make car payments and health insurance payments all on a XXXX XXXX salary & my XXXX  job. I told them I had XXXX kids they didn't care we had to go on food stamps for a short time as well do to my wife having XXXX. I missed a court date and than I had to show up at the 2nd one and this Lawyer just does not want to work with me he just sent out paper work asking me to do a profit and loss for him so he can continue to try and harass me is the wrong amount and XXXX XXXX did not take off any of my payments they continued to charge a late fee even though I asked them to close the account. My youngest daughter was just in XXXX XXXX XXXX for 12 days due to her XXXX XXXX and we have to take her back for the next couple weeks to test her blood to make sure her white blood count goes back to normal as the XXXX could not remove all the toxins.
This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money.
I have sent several requests to this company to prove that this debt is mine. They sent me an itemized bill which is not legal. The name of the creditor is Amsher Collections in XXXX Alabama. They are still reporting on my XXXX  file in the amount of XXXX They were removed from the other two but not removed from XXXX. I have also contacted XXXX in regards to this the last time neing just in XX/XX/XXXX. XXXX  keeps saying that I need to send in updated ID and billl which I have done several times. I have also disputed it online with no action taken. Police reports have been sent to all credit agencies regarding this debt as well for my ID was stolen. I sent correspondence to this creditor on XX/XX/XXXX and did not hear back until the end of XX/XX/XXXX which surpassed the 30 days allotted as well. I have also sent this into the credit agencies along with the tracking numbers for the mailing.
To whom it may concern, On XXXX of 2016 XXXX XXXX XXXXe reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled. 

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office
I contacted Select Portfolio, my mortgage servicing company, in order the obtain a letter entailing the amount I need for reinstatement to avoid eminent foreclosure. They sent a letter of reinstatement, but it did not state that this amount was the amount needed to avoid eminent foreclosure. When I contacted them to inform them of this, they related that they do n't write letters of this nature. They also stated that they are not in the processing of foreclosure upon my property, but 'in litigation '. I was confused. " Foreclosure is the legal process in which a bank or other secured creditor sells or repossesses a parcel of real property after the owner has failed to comply with an agreement between the lender and borrower called a 'mortgate ' or 'deed of trust ' ". Since they are in the process of trying to force a sale of my house through the courts, and represent XXXX bank, how can they say that I am not in danger of eminent foreclosure? They further directed me to make a payment immediately. I am unsure where that payment would go nor am I sure it would be used to avoid eminent foreclosure. I am in the process of getting help to work with the bank, but they do n't seem interested in working with me. They said all of our conversations are recorded, so there should be no discrepancy as to each conversation that transpired.
Ocwen   XXXX  I was told they many time that they sent information to there legal department to pay them I had s ent Ocwen documents Check Stud, Tax and banking documents via fax without any success Owens the n keep telling me that they did not get those documents for months Then I had contacted  XXXX   XXXX   XXXX   XXXX  to send those documents via fax they said that they did not get those documents Then I had co ntacted my VA REP to send those documents after about four days Ocwen  sent me a Mod Pack It about that time I got feed up with  Owen I contac ted a third-party for help The fresh  Start Ocwen an told that they The Fresh Start would be my th ird day contact  XXXX   XXXX   XXXX   XXXX   deman letter *Specific QWR was sent to Owen with they dismissed it by Ocwen ( Request every aspect of the loan transactions ) Real State Settlement Procedures Act Ocwen still have not resond with any answ er to the  XXXX  Demand document or the QWR  XXXX  -  XXXX   XXXX   XXXX   XXXX    Service- Connection M issouri non Judical forcloser CFPB Case number  XXXX
Select Portfolio Servicing Inc on behalf of XXXX XXXX- XXXX XXXX - XXXX Trust c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE, XXXX keep harassing me even though my mortgage is up to date. 
As of XX/XX/2018, the above entities bought my mortgage from XXXX XXXX XXXX  and has removed the mortgage payment from my checking as automatic withdrawals yet it keeps sending me letters stating that I owe a late fee for late payment. I have written t the company for clarification and since then have sent me multiple letters demanding I pay off my mortgage, multiple letters that make it seems that my mortgage is late ( including late fees ), and I am not capable of paying my mortgage, even though the funds are withdrawn directly from my checking account by SPS through Automatic drafts. I have received a total of 10 letters implying that I am having difficulty paying my mortgage and I have received 2 letters demanding I pay off my mortgage. Since this company is a debt collector, I am very concerned that erroneous information will be provided to anyone with whom this company shares information. 

1. This harassment is not appropriate. SPS is a debt collection agency and I want to know if either entity has the right to demand a payoff. 
2. since it is a debt collection agency, any documentation within its records can be shared. This is libelous and injurious to my credit worthiness and it appears to be a deliberate effort to sabotage any effort on my part to refinance with another mortgager. 

Today, I received a second note requesting a payoff of the mortgage. I have written to SPS and have not received a adequate response, yet I keep receiving notices that I owe late fees, that a payoff is required by XX/XX/2018 I do not trust these companies ; My mortgage is current and up to date. 

I truly believe this is how these two companies work to obtain high valued properties by creating false delinquency.
I submitted an application for a modification along with all documentation requested. I was told they needed a XXXX for 2014 and current profit and loss statement for a business that no longer exists ( I sent the P & L for 2014 ). I advised them on numerous occasions that I did not receive a XXXX for 2014 and that the business was not operating. I went so far as to write a letter about each and upload it to my representative so he could place in the folder marked XXXX and profit and loss statement. After 3 attempts the only response I received was that my application had expired for failure to submit all documentation. All documentation was submitted in time.
NCA never mailed me anything is writing of collecting my debt. I sent them payments and never recieved a reciept.
I have received no assistance from Experian or XXXX as far as removing the bankruptcy that is on my credit file resulting from identity theft. I submitted my police report, affidavit, proof that I was out of the country when this bankruptcy was filed ( I was out of the country from XX/XX/XXXX-XX/XX/XXXX and this bankruptcy was filed in 2011 ) as well as handwriting/signature comparisons to prove that the signatures on the bankruptcy papers does not belong to me and was told by XXXX that they have denied my request to block the information. I also sent the original petition for the bk that I pulled on pacer.gov to show that it was not my signature. In addition, the accounts that were included in this bankruptcy ( listed on the last page ) were never even on my credit file. I will take these XXXX bureaus to court if I have to, and i have already filed multiple complaints against them with the XXXX, FTC and CFPB as well as your organization and they still continue to report this information even after I have submitted the proof that this was never filed by me, the bk does not belong to me and that someone did this without my knowledge. Please contact this company to get them to remove this, as they are in clear violation of my rights
on XXXX XX/XX/2018 my checking account was frozen and all my funds too, i wasn't able to pay my rent, my insurance, my phone bill and even buy food because i have all my savings in this account and also my military service connected payment for a XXXX XXXX. 
when i contact the bank they said that some body file a claim against me because i received a quick pay transaction for {$300.00} dollars and the sender said that he or she did not authorize this transaction. 
after a couple days i went to the bank branch and they agree to let me withdraw money at the branch with assistance, but i wont have access to my account or use my debit card for 45 days. the reason why i am doing this complaint is that the amount of money for the claim is only {$300.00} dollars and the bank is holding my total balance witch is over {$25000.00}, and my military XXXX payment too. 
this situation is causing me a lot stress and frustration and also the bank did not pay the checks that i use to pay for my daughter uniform causing a {$25.00} dollars fee.
I opened a XXXX account in XX/XX/XXXX or XX/XX/XXXX. I used it on a number of occasions with my current cell number. Never had any issues. A friend was buying one of my designer purses & I told her to just XXXX me the money when she got paid which was this past Fri. ( XX/XX/XXXX ). By Saturday ( XX/XX/XXXX ) I still hadnt received the payment but it said it processed on her end! I called my bank & they couldnt help stating that my XXXX /bank acct wasnt the issue but my mobile # was inactive. We thought it could be because I received a new debit card & XXXX didnt have it! I tried loggin into my XXXX acct the same day with no luck! I then called XXXX on the XX/XX/XXXX & explained I had a new debit card, couldnt access my XXXX acct & my money my friend sent the day before is missing! The gentleman typed in my number only to find out its registred to a XXXX XXXX  account! Which Ive never even had a XXXX XXXX  acct. I than called XXXX XXXX hoping they could help me & all they did was take down my info & told me my friend who sent the funds had to call her bank account! Which she did ( same day XX/XX/XXXX ) & they contacted her today ( XX/XX/XXXX ) & told her they dont know if they can give her back the funds as theyve been pulled! I called XXXX back today myself & told them this has been my cell number for over 13 years & the changes to my XXXX account & connecting them to this so called XXXX XXXX acct are all fraudulent! I told them Id give them my cell phone bill info as well as my bill & probe the owner to this account never had such a bank acct & to please close this person down as what there doing is illegal! They refuse to help! Im lost as I do not work & I believe this is being done by an exfriend who has done other malicious things to me out of spite & jealousy! Is there anyway to help?
It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's
The only blemish on my credit reports is as a co-signer on my son 's auto loan from XX/XX/XXXX. After the car was stolen in XX/XX/XXXX, it was recovered and turned over to Santander Consumer USA. Neither I nor, as far as I know, my son was properly notified. Instead, it went to auction. I may have helped him recover the car, if I had known all the facts! Just learned these details from my credit report! 
Manager " XXXX '' at Santander says he understands my plight fully, has " no dog in this fight, '' and would like to take it off my credit report, but " can not '' w/o your approval!
i have requested the inquiries listed below be deleted the company ( XXXX agrees that inquiries are invalid and stated they would sent request to all XXXX credit buereas. XXXX has removed but transunion is refusing stating i have to authorize them to delete. Well here is my authorization please remove inaccurate information immediatley. <P/><P/>XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I had an erroneous collection account being reported on 2 of my credit reports by Hunter Warfield. I  contacted Hunter Warfield on XX/XX/XXXX, by telephone at XXXX and spoke with a supervisor named XXXX XXXX in Hunter Warfield 's Consumer Resolution Department. She advised me that this account would be removed and sent me the attached letter dated XX/XX/XXXX, stating the account was cancelled in their office and it would be removed from my credit reports. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I am receiving collection calls from Hunter Warfield stating that I owe this debt.
I had a dispute with a merchant XXXX XXXX XXXX and asked them to stop charging my credit card I had on file as they do not have a way for me to cancel my credit card on their website. I called and advised I do not want their services and to stop automatically billing my master card. They said the would take care of it when I called but said they would not provide me with any confirmation coded as they do n't do that, just an internal note on my account. To make sure my card would not get billed again I canceled that card and was issued a new card number from capital one. As soon as I activated the card this merchant XXXX XXXX XXXX got my new card number without me giving it them and billed my new card. I call capital one and was told they did not give out the information and that master card provided them with the new information. I had to completely close my credit card account. I was not aware anyone can obtain new credit card numbers without the customers connect. I should have the right to stop a billing of a merchant on a credit card if that is what I choose and master card should not have the authority to provide my new car numbers without my authorization. Having to close my account has caused harm to me by hurting my credit score.
I have been trying for the last two ( 2 ) months to get an extension on my short sale approval letter. Last month on XXXX/XXXX/2015 my lender had me do an amendment to extend the purchase contract and here it is almost a month later, and my short sale negotiator states that someone dropped the ball. Meanwhile, my buyer 's money has been sitting in escrow for the last two ( 2 ) months and my buyer is not willing to extend the purchase contract. I have reached out the negotiator and his supervisor and have not been contacted back. I can not tell that the bank is working to assist me the consumer in foreclosure alternatives. It appears that they are pushing me toward foreclosure.
My husband and I did a short sale on a property over 3 years ago. I received a call from the debt collection company some months after that I owed for pmi on the loan. The company is National Comm Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. After numerous phone calls to have documentation sent to my home address every time I call they give me the address they say they have on file which is the realtor company that handled the sale. I have NEVER received any documentation on the amount owed, what I have paid nor who they are collecting for. I just called again today and still wrong address and they say the same thing- we will update. I also asked for the name of the company in which they are collecting and I was told pmi insurance. No phone address or information provided. I feel as though my money is going into a black hole.
On XX/XX/2017, I used my Chase XXXX  credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX. with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a significant attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant on the dispute and appeals. In addition, Chase appeared to be pencil-whipping through the dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling to perform additional research or request further documentation in an effort to investigate the transaction.
My wife contacted CashCall via the internet. We were having a severe cash flow issue. We have a small business in the mountains above XXXX XXXX. She was not given any information on the percentage of the loan which we recently found out was 98 %. I was under the belief that we would be finished paying the loan by this XXXX. Was I wrong we are still paying the minimum which is over 600 a month for an XXXX dollar loan. Looks like we have about 10 years left. I think that this is usury and should not be legal. We already have paid over the premium and are wondering what we can do next.
On XXXX/XXXX/17 I sent a bank wire deposit of {$1200.00} and has still not been a credit to my account on coinbase I called the customer service support number no response have been sending emails and keep getting automated emails giving me instructions how to do it and it still does not work I have followed every instruction that they required
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Midland Funding via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
My account was closed due to inactivity as my local stores in my vicinity had closed down & should not be a detriment to my credit score. My payments were always paid!