WillisBack/dataset-financial-user-claim huggingface dataset:
Unfortunately, due to my ex abandoning our family and deciding not to pay the mortgage payments, I was unable to make the payment on my home and Green Tree Lending foreclosed on the home. During the whole process, I tried to get them to work with me to save the home but because only he was on the mortgage, although I was the one living in the home, also getting sued, attending all the hearings and responded to all the notices, they would not talk to me. I was told that when I got the divorce in my hand and the house was awarded to me, then they would then talk to me. This was on a conference call between their lawyers, me and my lawyer. I received the divorce three weeks before the home was scheduled for auction. When I called to submit the documentation, they told me that they could not help me and good luck. So the house went to online auction, no one made a bid and GT kept the home. Afterwards, I tried to contact them numerous times to get some kind of timeline for moving and they would not even give me the time of day. They said to call the lawyers, the lawyers said to call them and so on and so forth. Well, without receiving any formal notice of vacating, unexpectedly at XXXX a sheriff shows up at my door and tells me that I have 30 hours to vacate or I will be escorted from the property. I lived in that home for XXXX yrs, tried to work with whomever to save the home but to no avail and my final hours there were on the heels of being evicted???? This is ridiculous and preposterous!!!! It was a complete nightmare, at great expense, both emotionally and financially to get my whole life, including pets, out of the home that quickly and having to borrow money to make it happen. I had to put everything in storage, gave quite a bit away and left things behind because I simply did not have the time or place for it yet. I even had about half the home packed expecting the inevitable since no one was working with me to stay but went through this nightmarish experience anyway! No one should have to go through this, especially when I vehemently tried to save my home and did all of my due diligence. I have had to move, with my pets, into my sister 's home because I was n't given the decency of time to find a place. Needless to say what an inconvenience this is for her and her family! Thank God I had this option. What if I did n't? By myself and thrown out without a shred of decency for a fellow human being. All this talk about helping homeowners is a bunch of baloney. The lenders do not care at all of people 's hardships or wanting to work with you, as displayed perfectly in my case. Do I have any recourse here and I want a formal complaint made because it needs to be and to hopefully help someone else in the future. In this day and age of technology and commerce, EVERY business should be held accountable to fair practices, a level of integrity and be reprimanded when they do not.
XXXX agencies, Enhanced recovery collection and ERC. They insisted on me to pay the amount. The creditor is XXXX company. XXXX denied because it has no account information in the system. suggesting me to file ID theft. or dispute it at XXXX credit bureau.
I have accounts with both Bank of America and XXXX. These financial institutions are making policies that violate the constitution while at the same time accepting tax payer funded government benefits. As a consumer of their credit cards and other events, I am forced to a great deal of personal time and expense to close accounts and then move them. This attack on our constitutional rights must be addressed.
On my credit report, Enhanced Recovery Company has a collection from XXXX XXXX XXXX for the amount of {$510.00} as of XX/XX/2015. I called and they said there is no information that they can give me besides the account holder 's name and address. The name is not my name and the address is not mine either. 
I have called XXXX XXXX XXXX and all their affiliates, they confirmed that there is no current or past account holder with my name, address or SSN.
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. 
As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX County Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender in an effort to assume, modify or refinance her loan so I can keep her property. Every time I send the requested documents they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
In XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after XXXX obtained my new mobile telephone number, XXXX added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by XXXX XXXX XXXX XXXX  and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that XXXX provide proof that I consented to receive robocalls on my cellphone. I disputed XXXX right to contact me on my cellular phone and made several requests for XXXX to reveal the telephone number originally provided by the creditor. 

I am aware that XXXX XXXX XXXX XXXX violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked XXXX to provide proof of consent and XXXX has ignored both of my certified letters. I have provided XXXX with phone records and proof of their credit inquiry, yet XXXX has chosen to ignore my claim.
To whom it may concern, I do think their loan statement is misleading the change of interest rate. Their statement is saying new interest rate is effective on XX/XX/XXXX every year. However, new interest rate has been applied on XX/XX/XXXXevery year. For the XX/XX/XXXX payment, {$580.00} was applied to interest ( {$240000.00} * 3.25 % / 12 ). If New interest is effective from XX/XX/XXXX, new interest rate shall be applied from XXXX payment. So the interest payment for XX/XX/XXXX pymt ( which was interest accrued during XX/XX/XXXX ) should be {$530.00} ( {$240000.00} * 3 % / 12 ). They may charge correctly based on Note I agreed. But the monthly statement is misleading the new interest effective date. I have asked them to correct but they refused. Plz review if the statement is accurate or not. I contacted Wells Fargo in XX/XX/XXXX thru their online bank. Thanks
Citizens One Auto Finance which is my lender has been charging late fees, stating they did n't receive payments for certain months. Or stating they received partial payments and reporting falsely to our, ( my husband and I, joint account ) credit bureaus. We have sent them bank receipts, We have told them we did n't make payment amounts they have us down as making or the dates they have recorded for us. THEY said we have contacted them 8 times and the matter is closed. They sent someone else information to us once. THEY have missing payments on history list, they have sent us. We have sent bank receipts for these missing payments and asked where is the money we paid to them. They just said their records do n't match ours and that the matter has concluded and is closed. {$480.00} is due by the XXXX of each month. We also have a XXXX day grace period before late fees are due. We always send payment by XXXX of month in amount of {$500.00}.
experian has not investgated  XXXX  items on my report that are over  XXXX   years old fro m an alleged medical collection agency.   XXXX  i have no notifcation on the allegedly debt owed and EXPERIAN has missed the 30 day deadline but still remains on my credit report
cars was total loss in XXXX 2016 and to date they have yet to complete the claim. my XXXX insurance has attempted to work with them and do to there delay in processing held the payment up costing me more in intrest. now the agency that is handling the claim has advise me they are a third party and can not seem to give me an exact total off funds of hich i should pay to pay off loan.
Equifax, a company which I do not even give permission to collect my personal information, was breached in a giant nationwide hack. My personal information was included in the hack, putting me at risk for identity fraud and theft. I do not even know to what extent, or I was one of the 200k whose credit card numbers were included in the hack.
I work in software and understand that even the most diligent corporate entities can be breached. However, Equifax is attempting to capitalize on people 's misfortune by aggressively selling their ID protection services on both the website and the telephone to the very victims of this crime. They are also still charging people to freeze their credit in the wake of this emergency.
This unethical behavior coupled with the poor IT infrastructure and negligence is appalling and needs to be stopped. It 's akin to price gouging hurricane victims. 

I also am extremely concerned for my less tech-savvy friends and family who will likely not go check to see whether they are impacted by this breach. Why is n't Equifax proactively contacting people impacted to aid them in protecting their information? Why is n't some systemic credit freezing being done across all impacted parties? 

Equifax does n't even make our credit reports available online via XXXX. You have to FAX or mail in documentation. So monitoring whether our identities are being stolen is going to be nearly impossible. And only one free report a year - how are we supposed to see if it changes?
This thing is a mess. Equifax needs to offer free credit fraud freezes, notify the injured parties, and  offer people the ability to freely pull their credit report for the next year in the wake of this disaster.
I am having an issue with a debt being reported to my Consumer credit file by XXXX XXXX on behalf of XXXX XXXX The bill shows an unpaid amount of {$2700.00} dollars and this is grossly inaccurate. I have repeatedly asked XXXX for an itemized listing and documentation in regards to this account and amount. XXXX has not been forthcoming with the information requested. XXXX can not find my file with my information, SSN or other identifiers. 
XXXX XXXX has not complied with my request to verify and validate the manner in which they have concluded that I owe an amount that XXXX can not verify. 

I am asking the CFPB to intercede on my behalf. The collection account is reported illegally and unethically and I am asking for it to be investigated and removed from my consumer credit files.
Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. 
Their address is XXXX XXXX XXXX, XXXX, MI XXXX.
I offered to pay my debt in payments due to my income from XXXX ( {$840.00} ). They told me I had XXXX days to pay it off ( {$1600.00} ) or it would remain on my credit for life. XXXX the account specialist who has my account notated me as refusal to pay/attempt to pay even though I telephoned them. I contacted the management company that filed this and the apartment complex and they were unable to give me any kind of information to help me resolve this matter. They do not have my information from when I lived there.
I have a VA home loan through US Bank. In XXXX, I left my work position XXXX to care for my XXXX mother living in my residence in XXXX XXXX, XXXX I continued to make payments from my savings and was up to date on all payments. My mother passed a year later. At the time she was renting my property while I lived in XXXX. Upon her death, I consulted a real estate agent and property management company who told me my property was significantly lower than what I paid. If I tried to rent, it would also cost a significant amount of money and I probably would n't make enough to cover my loan payment. So I spoke with US Bank and decided to do a short sale under. During my short sale XXXX XXXX to XXXX ) I received at least XXXX to XXXX sales proposals that US Bank took so long to make a decision that the proposals fell thru. Mostly due to US Bank asking for information they already held, unreasonable time limits for information, and just plain inability to be timely. I missed XXXX deadline where the information came in over a holiday weekend and was for the purchaser 's decision. The next day I received an email from the Bank rejecting the application and shortly after a notice of foreclosure. I still continued to make payments until it depleted my savings. I have XXXX and extreme XXXX and was unable to work during this period. So my savings was all I had. Once the last application was rejected, I put in a request for deed-in-lieu. This was early XXXX, I have yet to get an update from the bank. I started working again in XXXX XXXX. I called the bank and wanted to see what my options were for the loan. I was told, I would be unable to make payments if I could n't pay in full. I asked was there a chance for a payment plan and was told no. No options were provided to remedy the situation from the bank. So I left my loan in deed-in-lieu status request. This is a small listing of the issues I have had with US Bank. I really feel personally the bank is taking advantage of me and veteran 's in general trying to personally ruin credit and defraud the federal government in delaying veteran short sale requests. Not really sure where to go from here, but I want this situation over ...
On Thursday, XX/XX/XXXX, my Navy Federal Credit Union Checking account, at XXXX CST showed an adjustment for - {$260.00}. No check had shown to be pending or posted. All that was shown was the negative adjustment. The next day, Friday, XX/XX/XXXX, my account showed a deposit made by my employer for {$270.00} before the very same adjustment of - {$260.00}. With the negative {$4.00} charge I had in my checking account the balance equaled {$0.00} on Friday, XX/XX/XXXX. I called Navy Federal to ask why they adjusted my account before the funds were even deposited into my account. After being very curt, dishonest, and rude, they said that the adjustment was n't made until overnight processing, early morning Friday, XX/XX/XXXX. This was not the case as I checked my Navy Federal account on Thursday and saw the adjustment made before overnight processing had begun and before funds were shown as posted. I requested today, Monday, XX/XX/XXXX to have an internal audit with time stamps showing each transaction as well as call logs and notations made to be given to me and they said I would have to subpoena them.
Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Bank of America. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said " That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ).
This is my second complaint. My original complaint # XXXX was responded to inaccurately. Briefly, Resurgent Capital claims they are collecting a debt on behalf of LVNV Funding for the original creditor XXXX.They claim the debt is valid as there is and have been an unpaid balance. 

In consideration of Resurgent '' s response dated XX/XX/2016 to the original file # XXXX, in paragraph XXXX they agree they received monies on behalf of their " third party servicers '', but now claim they returned payments to me as they were unable to honor the terms in my restrictively endorsed letter. So, if what they claim is true regarding returned payments, I requested they provide proof. Forward a copy of the returned/endorsed payments made to me. They have failed to do so.
I have contacted XXXX several times over the last several months disputing the above account for which they are inaccurately reporting to the credit bureaus. I have submitted written letters via USPS and electronic disputes requesting complete validation of the account, debt owed and my responsibility to pay said debt. I have called the customer service line multiple times and when I enter my social security number in the automated system it states the office is closed and I 'm calling during their stated business hours. After the phone disconnects and I call back and wait for a representative without entering my social then someone finally comes on the line after extended wait periods. Before I 'm even able to get the entire reason for my call my call is disconnected. I 've encountered this for almost 2 months now. Finally on XXXX XXXX, 2016 I was able to get the entire reason for my call out and the representative informed me that XXXX XXXX no longer had my account and the only information they have regarding my account is the balance owed of {$530.00}. She gave me the number of the collection agency to contact to pay the debt, XXXX XXXX XXXX XXXX. I contacted XXXX collection agency and spoke to XXXX XXXX who also informed me that they XXXX is a credit reporting agency but do not have access to report to the credit bureau. She stated they purchased the account from XXXX XXXX but only have the amount owed and no information regarding the open/close date of the accounts, any fees incurred, transactions, payments made or the validity of the debt. She stated she could send me a letter with the balance but nothing else. I have made several attempts to get accurate information and validity of this debt. I have disputed with all three CRAs and have requested information to validate this debt. Neither the CRAs or XXXX have provided me with accurate information after multiple disputes. The Credit Reporting Agencies state that they do not require Collectors to submit documents for accounts and even with disputes that they are n't required to have that information to validate debts. I 'm confused how this could be a process as I do n't even know what XXXX is stating I owe {$530.00} for. This situation as you can imagine is causing me XXXX as well as continued denials for additional credit.In all of my previous letters I have asked for an investigation into this matter and a full copy of all accounting documentation of this reported account be furnished to me. I have also made them aware that I was in full dispute over this account. To date, I have not received anything that supports that the account the yet they continue to report incorrect negative information to the credit bureaus. XXXX has failed or refused to send the legally required validation documentation of this account, my obligation to pay and the debt.
This is not my account yet the company keeps calling me and harassing me. I want the calls to stop. Its depressing and stresses me out. They call me every hour from different numbers.
Equifax is refusing to removed a fraudulent account even after I have provided them with an identity theft report dated back to the year of 2016 when said account was first opened and when I first acknowledged that the account was appearing on my credit report. I have also attached a copy of the FCRA Section 605B that states ( a ) Block. Except as otherwise provided in this section l, a consumer reporting agency shall block the reporting information in the file of a consumer that the CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of identity of the consumer ( 2 ) a copy of an identity theft report ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer THEY ARE VIOLATION AND HAS STRIPED ME OF MY RIGHTS AND SHOULD BE FINED! I have been working with my attorney to sue for {$160.00} for being in violation of this section of the FCRA and keep INACCURATE information on my credit report that they in NO WAY SHAPE OR FORM VERIFIED IS MINE. NO VIDEO TAPE NO SIGNATURE OF DOCUMENTS SIGNED BY SAID RELATIVE of mines
I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX XXXX XXXX XXXX badge number XXXX
I settled the debt of {$730.00} with the previous collector. It seems they sold my information to another collector, and this has reappeared on my credit score. This practice of selling paid debts to another collection agency is unethical and illegal.
I have asked XXXX for copies of my contract with my signature. They are reporting two accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you
I am retired ( XXXX ) and living in XXXX. I moved from XXXX, CA over 3 years ago ( XX/XX/XXXX ) after living there for 28 years. All bills were paid including my cable bill ( equipment also returned XXXX to XXXX at their XXXX Connection location. A month ago I received a collection notice XXXX XXXX. XXXX ) from ERC XXXX Enhanced Recovery Company ), XXXX, XXXX, FL XXXX stating that I owe XXXX {$230.00}. They threaten me with reporting to Credit Bureau. I called ERC on XX/XX/XXXX and told them I do not owe XXXX any amount of money.
I contacted Disciver to get replacement cards. Discover notified me of the cards being produced and in transit. The cards arrived. I had to call to activate the cards. Upon calling today, XXXX XX/XX/2018 at XXXX, after a lengthy hold, they informed me they closed my account " due to inactivity. '' I GOT REPLACEMENT CARDS TO USE THE CARD, THEY SENT ME THE CARDS, THEN SAID IT WAS INACTIVE WHICH WAS THE VERY REASON, ON MY OWN, I WANTED THE NEW CARDS. I believe there just has to be something more here like age discrimination or job discrimination. I have an XXXX FICO 8 credit score -- KNOW VIA THEIR OWN WEBSITE!
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.