WillisBack/dataset-financial-user-claim huggingface dataset:
An offer was submitted for review on a system called XXXX ( very bad and difficult system to navigate ) and the lender informed my authorized 3rd party that they needed to have the Property released from my Bankruptcy. once it was released they asked to submit a new offer and voided the previous offer. I called this morning and asked to speak with someone who then informed me that they required 37 days to review and that the schedule sale date was too close and they would cancel the new increased offer which would have been submitted today. They also said that Bankruptcy should n't be used as a tool to stop the sale. Which i think is a matter of personal opinion as i will fight to keep my credit and avoid a foreclosure altogether.
XXXX   XXXX  had a note with Nationstar. The balloon payment was coming due as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  contacted  Nationstar  in  XXXX  of  XXXX . Nationstar advised  XXXX   XXXX  to continue making his monthly payment and Nationstar would work with him on getting the balloon payment refinanced.  XXXX   XXXX  continued to send monthly payments in  XXXX ,  XXXX ,  XXXX  and  XXXX . In  XXXX  Nationstar returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and they would no longer accept payments.  XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit reporting agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 days delinquent even though  XXXX   XXXX  made the payments.   We contacted  Nationstar  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However, Nastionstar made an aoral agreement to accept payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make the payments. The credit report however says he failed to make the  XXXX  payment in the amount of {$770.00}, despite the fact that he make a payment of {$800.00}. Further he sent Nationstar the  XXXX  and  XXXX  payments, Nationstar is reporting them not made because they were returned. We have disputed the information with Nationstar,  XXXX ,  XXXX , and   XXXX  .  Nationstar  continues to insist the reporting was correct despite having received the payments in  XXXX ,  XXXX , and  XXXX  and being proved proof of the sent payments.  XXXX   XXXX  has been denied credit because of the negative reporting.
On XX/XX/2018 I requested that Affidavit of fact Page 1 enclosed to  Transunion / XXXX /XXXX they never responded to page 1 in any detail submitted on XX/XX/2018 enclosed transunion , response was Closed with explanation { i will receive results in 60 days of investigation never any information from any of the companies .I have contacted the company throught the CFPB many times no response but one and I can not get an answer to that question who owns this alleged account if it is in collection I can not get a answer from anyone. Also I keep getting update changes again, XXXX states in collection this seems to can not get validated also if this alleged account is in collections XXXX has no legal right to report this alleged account, BUt that makes this alleged account between the XXXX and myself paid in full making myself the alleged furnisher with all legal rights by owning alleged contract I have no alleged contract with anyone else on is this alleged account not a contract with any third party with my signature .i request a copy of alleged account paid in full
XX/XX/XXXX 


Dear Ford Credit Motors, Based on your letter received, dated XX/XX/XXXX. I hereby agree to the resolution reached and request to utilize the requested opportunity. 

I hereby request and direct Ford Credit to remove all negative notification on my credit report including the word dispute and unverifiable late payments indication. 

This letter serves as a formal writing as indicated on the letter. 

Sincerely, XXXX XXXX
The debt was being paid thru chapter XXXX bankruptcy. When we were dismissed from the bankruptcy, the HOA turned the debt over to a law firm. A judgment was entered for the debt. I contacted the attorney ( XX/XX/18 ) to dispute the amount that they said that we owed. I was informed by the attorney that she would speak to the HOA board and call me back. I never received any call back from the attorney. We were not provided with validation of the amount. Approximately 21/2 weeks later I discovered that both myself and my husband had been garnished at the same time without notice. This created extreme financial hardship because we were left with XXXX dollars in our bank accounts. I contacted the law firm and the paralegal denied that anyone had ever spoken to me even though I informed her of my telephone record ( the date and length of the call, 13 minutes and 7 sec ). The paralegal stated that they did not have my new address or any notation in the computer regarding me disputing the amount owed ( it was given to the attorney during the telephone call on XX/XX/18 ). She also informed me that both husband and wife are garnished at the same time so that they " can collect the max amount quickly for their clients '' and that they didn't care that all income was deleted and left a family in distress. Unfair practice used to collect a debt.
LendingClub Corp is reporting to the credit agencies that my account was closed in XX/XX/XXXX when they received a payment from me on XX/XX/XXXX.

They also have status that the account was included in bankruptcy which is a violation of bankruptcy laws and also after the account was close and they were still recieving payments after they reported the account close. 

Thank you
I did not activate a new XXXX card issued by Synchrony Bank after a takeover when all XXXX, FL XXXX Stations closed and the account was paid up on the old card. They have now XXXX received XXXX/XXXX/2015 ) sent me a bill for {$12.00}. I refuse to pay this blatant charge manufactured from pennies likely found in an audit.
Midland Funding LLC tried to sue us in court for a credit card debt that was out of the Statutes of Limitations. WE responded with this information in the clerk of courts. Midland filed to have it taken to court any. We had to attend court with a judge that preached to me and my wife that you need to be a lawyer to address the court After I stated that the Statutes were out. He would n't let me say anything else. We went to the clerks office and once again filed that the statues were out. Finally Midland had a dismissal without prejudice entered. I we had n't known to state the statues at the clerks office, We would have had a judgement against us that should have not happened anyway, like others we have with nasty midland crooks.
Hello, There is a problem with my loans. They are inaccurate, and there are promissary notes that have note been signed by me personally. There needs to be a full investigation regarding this matter. This also includes, XXXX XXXX University.
I obtained a loan through Castlepayday XXXX/XXXX/2015 to assist with Holiday expenses. I paid {$300.00} on both the XXXX and XXXX of the month from that time until XXXX XXXX, paying no interest on the loan. On XXXX XXXX the debited my account {$320.00} and on XXXX XXXX they debited my account {$320.00}. Online there is no explanation, in fact there is not information on my account at all. I emailed Castlepayday numerous times with no response and have emailed the company now that it is XXXX once ; still no response. The email I sent is below. I do n't know what to do and want to be responsible by paying my bills, but the interest amount is unreal and I can not get any answers on when my loan will be paid off. At the rate I am going it will be years. As I said in my email below, I am XXXX military and I do n't believe that I should have been given this loan. I was honest on my application about my employment and provided proof of income which indicated I was XXXX military. Please advise on steps ( if any ) that can be taken to reduce this debt as I am having a hard time with paying {$600.00} per month. Thank you. 

XXXX XXXX Email sent to both Castlepayday and XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response : Although I am trying to pay my balance, I am running into financial difficulties. I did some research and I believe that I should not have been able to obtain this type of loan. I am XXXX military. I found the following in my research. Please advise. 


Through its enforcement and supervisory work, the CFPB will be scrutinizing lenders to make sure that they are following the XXXX requirements when they make short-term, small-dollar loans to servicemembers and their dependents. Specifically, payday lenders must follow the requirements of the law for all closed-end loans of {$2000.00} or less and with terms of 91 days or less. These requirements include : Annual percentage rate capped at 36 percent : Because most payday loans are for several hundred dollars and have finance charges of {$15.00} or {$20.00} for each {$100.00} borrowed, a typical two-week term can equate to an annual percentage rate ( APR ) ranging from XXXX percent to XXXX percent. Payday lenders must cap the APR - which incorporates all fees and costs associated with the loan - at 36 percent when lending to servicemembers. 
No rolling over of loans : When consumers can not pay back the loan at the time it is due, borrowers can often pay only the finance charges and renew the loan. This fee does not reduce the amount owed. If a payday loan is rolled over multiple times, it 's possible to pay several hundred dollars in fees and still owe the original amount borrowed. Payday lenders are banned from rolling over loans for servicemembers, unless the new transaction results in more favorable terms for the servicemember.
XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, Experian and XXXX could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
I received a letter from yet another collection agency regarding an account in my name that was fraudulent and the result of identity theft. I called the collections company and explained that there has already been another collection company which has dropped this matter due to ID Theft. They stated that they received the collection from XXXX. I told the agent I spoke with at the collection agency that they are not to contact me in any manner again about this matter and that I was filing two complaints today with CFPB- one re : their agency and a seperate one about XXXX . I have been dealing with ID Theft for over two years and I have placed freezes on all my credit reports, I have made police reports, reported it to the FTC and made several complaints on this website. I am weary of all this and I need some relief. 

This is regarding an account someone opened in my name and with my information in XXXX XXXX, FL at a fraudulent address. I am not sure if it was for cable tv, internet, phone, or what, but XXXX definitely does not do due diligence in opening accounts. They should not have been ABLE to open an account in my name due to a security freeze on all my credit bureau information.
Netspend deactivated my card when I inadvertently went into overdraft because of an XXXX order that was billed in several different increments. They did not notify me at all that my card was deactivated, so after I made a deposit to put the balance over {$170.00} in the positive, I tried to use it at a gas station and it was declined. I check the ATM at the station and it said I had {$170.00} balance, but when I tried to withdraw money from the ATM it was declined. I tried again and it was declined. I logged onto the website and it said I had that much available, but it also charged me {$.00} for each of the XXXX times I checked my balance. At that time I received XXXX text messages at once from them stating my card had been deactivated and I needed to reactivate it online. I tried to do so, but it indicated that the card was " already activated. '' I called the customer service number and a very rude XXXX man, supposedly named " XXXX '' informed me he could NOT reactivate my card, he would have to send an email to the department who did that. I indicated I was XXXX miles away from home and needed to purchase gas to get home and the deactivated card was the only method I had of doing so. I told him I needed to talk to someone who could rectify the situation NOW and he offered for me to speak to his supervisor. After holding for more than XXXX minutes, my cellphone battery was dying, so I told " XXXX '' to have a supervisor call me on my daughter 's cellphone, and I gave him the number. I told him to also email the department who could fix the problem and I needed to know when it was fixed so I could actually drive home. This was at XXXX and I had XXXX of my children with me. It is now more than 12 hours later and I have not received any phone calls, text messages or emails regarding the status of my card. I called the customer service number again and held for more than 10 minutes without anyone coming to the phone to take my call. I am furious! I want access to MY money, which they are holding because I do n't have any way to get it out other than the card that is " deactivated ''. They send me texts for everything from deposits to withdrawals to advertisements. They could n't send me a text to let me know my card would not work, even though I had just deposited money onto it? This is poor business practice and when I called them it should have been corrected immediately.
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$30.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
This complaint is against Ocwen Loan Servicing. 

I have been overcharging by escrow, my annual XXXX City tax assessment {$3400.00}, and Ocwen was charging {$400.00} together with my Mortgage, it totals {$4800.00}, there were {$1300.00} overpaid every year. 

I made a complaint with Connecticut Attorney General already and they advised me report to your agency also. 

On XXXX XXXX Ocwen was already ready to increase my escrow charging {$450.00} every month, that makes {$5400.00}, so I cancelled, my escrow and decided to pay my taxes myself starting XXXX XXXX. 

But on XXXX I received a letter from City of XXXX, stating on an unpaid tax assessment date XXXX/XXXX/XXXX and the due date XXXX/XXXX/XXXX. 

When I reported to the CT General Attorney, they replied that, I had to pay, since I had no escrow anymore, but this letter is from XXXX and not XXXX, the due date is XXXX, but was from XXXX. 

What did they do wit the money they collected from me? 

This is an unfair practice, and Ocwen is raising every excused to cover their mistake, and XXXX Home Owners in the United States, are about to lose their homes because of these scams.
I went to try and get a apartment for the XXXX time because i am ready and i got declined because they said i had broken leases. I have never rented a apartment in my life. I am XXXX years and now my credit is jacked up. I thought back of what could have happened and my whole life was stolen from me i have to get a new everything. I really need your help please contact me!!!! Im too young to be homeless.
Checking my credit report. I noticed that XXXX XXXX was showing on my report in the amount {$440.00}. 
Contacted AWA to request legal document showing my proper signature saying that I was the owner of the debt. 
AWA mailed me some printout show my name and address on it, I informed AWA that a printout was not consider any legal document and please mail me all the legal documents bearing my signature on it, saying that I owed {$440.00}. to XXXX XXXX. 
I have been contacting AWA numerous times to correct their error along with XXXX, XXXX and XXXX to resolve this matter. 
AWA Collections is still reporting this negative account to all credit agencies, this has cause a financial hardship upon me ( Higher payments ). 
XXXX has not given me any legal documents showing my signature upon it, XXXX stopped all communication with me, after I requested legal documents.
TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$100.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX
At the end of XXXX, I called XXXX. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( DLA ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.
On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all XXXX credit reporting services. When i tried to do that online at Transunion they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call XXXX XXXX at XXXX. I called and was placed on hold. The person told me I had to call the XXXX XXXX XXXX XXXX at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the XXXX number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this. 

I had the same problem with the XXXX other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the XXXX or XXXX.
MCM # s XXXX, XXXX, XXXX, and XXXX. I have repeatedly sent validation letters to MCM in XXXX, XXXX, XXXX, and XXXX of this year 2018. I have disputed this with all 3 credit bureaus.

MCM continues to send me letters in response ( attached ) stating " they are uncertain what I am disputing '', and have yet to establish that the account is accurate and true in nature.

I have asked to see the original documents that I allegedly signed and they refused. MCM /Midland will not provide them. I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA. 

I have attached examples of the replies from MCM and their lack of validation. I can provide proof of mailing if needed.
I had a car that was financed through Chrysler Capital. Recently the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital. Even though my gap insurance has submitted the claim information and sent multiple checks, Chrysler Capital is still stating that I have an outstanding balance. They are also reporting negative information on my credit report..
Amcol called to say i owed a debt to XXXX XXXX  for my daughter. I stated i never received anything saying i owe the debt and i was disputing it. I was told they are notifying me now. They continued to argue me down about the debt even after i said i do not owe a debt. Insurance and the clinic realized the inaccurate information and i was suppose to receive a final bill. I never did and assumed since i pay all co pays at time of service the inaccuracy was resolved. Amcol called at 8 am christmas eve. I spoke to XXXX and then a supervisor XXXX who refused to assist because i wouldn't give my personal info out again. They claim i owe XXXX dollars and some change. Stated I'm unable to dispute the debt.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and XXXX
Reporting unfair business practices and policies by  Midland  Mortgage  /  Midfirst Bank.   I was behind on my Mortgage by 6 months working on mortgage modifications.   On  XXXX   XXXX ,   XXXX   my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure.     When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for  XXXX   XXXX ,   XXXX  . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home.   They have continued with their harassing phone calls despite notice by attorney  XXXX  of the foreclosure on  XXXX   XXXX ,   XXXX  .   The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.