WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, XXXX XXXX ( " XXXX '' ) suffered a financial hardship and in XXXX XXXX XXXX hired the XXXX XXXX XXXX to assist him in his foreclosure defense. In the midst of a modification request, loan was service transferred from XXXX XXXX to Selene Finance LP ( " Selene '' ) and after a couple of month, XXXX was advised that the transfer was a mistake and XXXX XXXX was still the servicer. Updated documents were sent to XXXX XXXX and a three months Trial Modification was granted in XXXX XXXX. The first payment was received by XXXX XXXX on XXXX XXXX, XXXX. At the end of XXXX, XXXX XXXX Selene was their new servicer and future payments were to go to Selene. Although XXXX was making his mortgage payments every month, Selene did not process the permanent modification until XXXX XXXX. XXXX went out of business in XXXX XXXX and the XXXX ( " XXXX '' ) took over the law office. XXXX has been making payments each an every month since the trial modification but by letter dated XXXX XXXX, XXXX, Selene advised him that he was 35 days in default and foreclosing proceeding may commence unless they bring the loan current. On XXXX XXXX, XXXX Selene called the new office of XXXX to verify if our firm still represented XXXX and was informed that a Withdrawal of Attorney was faxed to Selene as soon as the permanent modification went into effect in XXXX of XXXX. On XXXX XXXX, XXXX Selene advised XXXX XXXX via telephone in a conference call with XXXX the that the escrow payments were raised in XXXX XXXX and a payment was being held in suspense until full payment on the escrow arrears is made. When told to Selene that XXXX was not made aware that the escrow increased as they have not been receiving the mortgage statements, Selene stated that the statements were being mailed to XXXX and they were being returned as undeliverable. XXXX requested a copy of the undeliverable correspondence as XXXX still receives the mail at the prior address and when informed that Selene has the updated address and phone number ( since they called our firm ), Selene response was to send additional default letters to XXXX. As XXXX can not afford to make the arrears and a full mortgage payment, we requested from Selene that they allow XXXX to add a little more to each mortgage payments until the arrears are current but Selene stated that an entire payment toward the arrears need to be made in addition to the monthly payment in order to stop all foreclosure proceedings. If in fact, Selene has been mailing the mortgage statements, it took them 6 months to communicate with XXXX and as the escrow got raised in the amount of {$200.00} per month, XXXX owes {$1000.00} in arrears, which he can not afford to make in one payment. Although copies of the alleged returned mortgage statements were requested, Selene has not forwarded even one of them and is now sending all correspondence to XXXX but not any mortgage statements.
Ask to see why my student loan Bill was so High. I dont agree that I owe them what they say I owe them. They have messed my credit score up on my credit. They charged me when I was not to be charged over charge students to attend college hyped amount up on my credit.
My second mortgage, held by SLS, was converted into a regular mortgage without any notification and at a 5 % interest. This more than doubled my payments overnight.
Repeated robocalls, almost daily, from mercantile adjustment bureau. The calls do not identify who is in collections or what the debt is for. It tells me to call a number with a passcode. I suspect the call is a scam and it will not stop.
This is written notice to Transunion that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the inaccurate, invalidated, disputed accounts information in which have been illegally displayed on my credit file, be VALIDATED, and if VALIDATION can not be made within the 30 day time frame allowed to TRANSUNION by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( TRANSUNION has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or a complete withdrawal in writing of any claim. TRANSUNION has failed to remove these INACCURATE, INVALIDATED, DISPUTED accounts outlined in my original disputes. This inaccurate accounts information should not be associated with my credit report and TRANSUNION has failed to legally VALIDATE these accounts information in the time frame allowed to them by law.
I have contacted XXXX Experian and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}
First, I have been calling my point of contact with the executive office of Wells Fargo since XX/XX/XXXX and have not received a call back. That is over a month without being contacted back. Prior to this, I only sporadically heard from anyone - to include my home preservation specialist. Time is of the essence, I need assistance to become current and avoid foreclosure - and I can not get help because nobody will return my call. That is unacceptable. 

Second, I applied for the first loan modification we had submitted back in XXXX - XX/XX/XXXX and it did NOT include all sources of income we submitted for the application as a previous representative reported to me. First, XXXX XXXX, our first home preservation specialist, advised us to only put XXXX   income on the application for assistance and to send in ADDITIONAL non-borrower financial contribution sheets for XXXX ( wife ), XXXX mother and XXXX father who also lived in the household. That means THREE additional incomes were NOT included and they should have been, as rhag paperwork was sent in. While XXXX was unemployed, he was collecting both social security and VA retirement which equated to nearly {$3000.00}. XXXX worked full time with a monthly income of nearly {$6000.00}. Both XXXX parents contributed all of their income to the household which equated to nearly {$3500.00} a month. All of the supplemental paperwork was submitted for proof - I have copies and fax receipts. This means thousands of dollars of monthly income was submitted to Wells Fargo, yet not taken into consideration in the modification application. Why is Wells Fargo claiming none of these were sent and that only XXXX income was to be looked at? That is incorrect and lead to an incorrect loan modification denial ; which ultimately led to us filing for bankruptcy. Also, the application for assistance that has been uploaded on this thread for reference is blank. We did not send in a blank form. 

Next, we have submitted a new loan modification application for XXXX. I need assistance, as the reasons we were denied ; once again, are wrong. I have appealed this and sent in the proper appeal paperwork. There is several different incomes being reported. I am not longer in Chapter XXXX Bankruptcy and I am being denied a modification due to being in bankruptcy. 

Last, prior to the chapter XXXX Bankruptcy being dismissed, I tried to call and make a mortgage payment. I was told the bank would not accept another payment.
XXXX XXXX  was notified that the information regarding XXXX XXXX was not accurate. XXXX XXXX refuses to talk about the debt stating it was sent to collection and sold
Capital One Bank XXXX are reporting XXXX accounts on my credit report. I have sent them letters asking to validate the date, also my Affidavit from XXXX along with copy 's of the police report and my ID card has been sent requesting to have the information removed from my report. I am not able to get any information from them nor has this information been removed. I contacted XXXX again in XXXX and it has not been removed with all information that was sent to them but information is still reporting on XXXX. I need help with getting this information reported as to I do not owe this debt
They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.
Chase Bank repeatedly calls my OLD place of employment and have been told MANY times to STOP calling as I am no longer employed by that company and the fact that it is the front desk of a busy XXXX.
I have no consent or knowledge of this account ( s ) Verbal abuse over the phone, threatening tactics.
We have repeatedly contacted Bank of America and have received zero help. They will not provide a fax number for us to fax in our statement to prove they have unfairly billed us, and refuse to give anything but a mailing address which does not allow us to prove they received something. In addition, they realize the delay is causing my family financial harm and do not care. I have attached the statement where you can see they charged us two {$35.00} overdraft fees when the balance was over XXXX XXXX dollars, then two more on the following Monday where they cleared items in an order to maximize fees to them. They have already settled a suit years ago for this very thing. The remaining is a paste outlining my husbands details of this item. 

Bank of America has refused to resolve overdraft fee issue that is their fault. Reference the attached statement for my account. and you will see they have stolen from me, and also have repeatedly over the course of four days and five reps as well as two supervisors been dishonest. On XXXX/XXXX/XXXX my balance was {$4800.00} On that day I was charged 2 overdraft fees. One was reversed. I should n't have  even been charged an overdraft given my balance was well over the amount required to cover any transactions that day. On XXXX there was a charge for 1 {$0.00}, {$9.00}, {$5000.00} and {$90.00} They overdrafted my account again for the {$90.00} charge, and again for the {$5000.00} dollar charge. If they had put all the other charges through, I would have had only one overdraft fee, which would have been waived. Instead they charged me two overdraft fees on XXXX and two on XXXX/XXXX/XXXX. As a result I will not be able to pay other bills, which will result in approximately {$250.00} dollars in additional late fees for my mortgage and other bills. I have a copy of the printout showing that I am correct, and there should have maybe been one overdraft. The reps have repeatedly been dishonest with me when I can see the statement in front of me. Call me at the phone number I provide in this complaint with a fax number, I will send it to you and show you the statement. Further, their website repeatedly changes as to balances and fees, forcing me to make printouts to have proof, which I do have, and again, contact me, I 'll fax it to you. I also have screen print. These fees need to be reversed and I need to be compensated for my time and financial hardship. I would have made a deposit to cover, however due to the way they displayed my balances I was given zero opportunity. In effect, they did not display pending charges at any point, and instead changed balances at midnight without my knowledge. This is a shockingly overt dishonest way to do business.
As noted in a previous complaint, the company was dual-tracking during the loan modification process. First application was denied and the appeal was denied but they referred the account to foreclosure during the process before decisions were made. They denied this of course, even though the account was referred to foreclosure after the appeal was submitted but before a decision was made on the appeal. The new issue is that the company encouraged re-applying for assistance, so we submitted a new application. They contacted us that they needed updated pay stubs.These were submitted on XXXX XXXX, well before their stated deadline they gave to " preserve our protections. '' As of XXXX XXXX, we have not received any further information from the company as to the status of the second application. We have left messages with our account representative numerous times asking for an update, but we have not received a response. It is beyond the deadline for them to have given us a decision but we have not received any information from them. We are assuming they have proceeded with the foreclosure process despite not following the proper procedures.
XX/XX/2018 a decision was made on my application for the Citi Simplicity credit card. The decision however was not based on criterion that the company set as sufficent to deny my application. In other words no notification was given during the application that my credit card application would be denied upon the basis that they stated. I have reason to believe that the decision was not a criterion of the application process, and solely the decision of the individual that sent me the letter.
I ordered food from a local restaurant that I have done business with for 8 years. They refused to accept my credit card stating that I had disputed a previous charge. I never disputed any previous charges. They have provided documentation that proves my credit card issuer ( Citi XXXX has stated that I did dispute the claim. Citi never billed me for the order in dispute, but now Citi wo n't take claim or help me clear my name with my local restaurant as they say the transaction never happened and they did not send the charge dispute form.
Calvery Portfolio has reported inaccurate information to the credit bureaus, the original debt occurred in XXXX, Calvery Portfolio purchased ( {$610.00} ) it from original creditor ( XXXX ) and said that the account was opened in XX/XX/XXXX which is an out right lie! I contacted Calvary portfolio in XX/XX/XXXX and was told that they had verification of the original debt that was supposed to be mailed to me, they never mailed documentation and they continue to report inaccurate information to credit bureaus, they have a recorded conversation from a past phone call. Thanks
This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.
I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me. 
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.
Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.
I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.
www.consumerfinance.gov Here 's the situation, and PayPal has been doing this to be MULTIPLE TIMES! 

I was sending {$53.00} via transfer to my husbands PayPal account from mine PayPal account as PayPal does allows for all people, to have multiple accounts they are now withholding my funds and the time to purchase the anniversary item is running out of time! 

Please contact them release the funds NOW so I can purchase! 
If I have to I will start a class action against them as I am already on the " XXXX PAYPAL '' CASE which could be a reason why they keep targeting me. 
I wanted this for anniversary gift : PAY PAL IS BOTH " FRUADING '' AS WELL AS " SCAMMING '' PEOPLE!
Barclaycard sent me balance transfer checks in the mail. I deposited one into my checking account and they did not pay it because they said I did not have the full amount available. I looked at my recent transactions and I did swipe the card taking me under the {$500.00} that I wrote the check for but I had the charge reversed. The reversal of the charge is dated on XXXX/XXXX/2016 the same day that the charge was made. Barclaycard got the balance transfer check on XXXX/XXXX/2016 and they did not honor it. They told me that they did not post the credit to the account before they posted the debit to the account. Them not paying the check resulted in my bank charging me XXXX NSF fees and a charge back fee totaling {$100.00} Barclaycard tried to also charge me a {$27.00} returned check fee that they did reverse but I feel extremely disappointed that I had to pay {$100.00} because they did not pay my check.
Equifax is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX
Calling about an auto accident and claiming to have documentation that can affect my driving privileges. Will not leave his last name and states that he is with an insurance company but the number belongs to a collections company.
PayPal took out money from my account without any notice. Here is the story. I sold my tennis racquet on XX/XX/2017 with the restriction of no return. However, the buyer requested for the return to XXXX and XXXX  gave a favor to the buy without any investigation of the case. I made a complaint to the XXXX and we finally agreed that I accepted the refund and gave a money back on XX/XX/XXXX. At that time, I had {$0.00} balance on my PayPal account, so I transferred the money from my bank account and refunded the money. 3 months after, PayPal, all of sudden, took the same money amount out of from my PayPal account. The invoice was not issued to me. No notice!!! I called the customer service, but they can not find the root cause of the issue. I had to spend hours to explain the situation such as providing transaction ids. But, they has not given my money back yet, and nI believe they are not able to find the root cause. This company is making unauthorized transaction without any consent from their customers! If the company can not track the financial transaction, the company needs to be closely reviewed their financial transaction platform to make sure so that they have a capable of providing a such service to the customer. My issue has not been resolved yet, and I hope CFPB to initiate the investigation so PayPal can address the issue better going forward.
I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.
On XX/XX/2018, I received an offer in the mail from Citizens Bank  that stated I'll get a {$200.00} bonus if I opened a new checking account with direct deposit. It is now XX/XX/2018 and I still haven't received my {$200.00} bonus from them. I've called customer service multiple times and they keep saying to wait. Please help me.
Without admitting their error,  Telecheck Services ( w ho processes orders for  XXXX   ) sai d that " your account has been updated '' and re-submit the order in  XXXX  to  XXXX  days and it will be processed. For years, I have paid  XXXX  through my preferred bank account with    XXXX   XXXX    XXXX  -- and orders have arrived to my address. I placed an order yesterday and  XXXX  said it would be arriving between the  XXXX  and the  XXXX  of  XXXX . This morning I received an e-mail from  XXXX  saying that my bank had refused payment, according to Telecheck. HOWEVER, I called my bank and they affirmed no request for payment had come from  XXXX , that  TELECHECK had made an error because my account ( a large one ) would have immediately paid for the purchase. I have tried to get  XXXX  and  Telecheck  to tell me WHO made this error so it can be corrected TODAY. I have been referred to people with no authority to do anything by both companies. I have spoken to people in various countries who are difficult to understand. I am livid at the fact that I can not talk with ANYONE who has the real authority to TELL ME THE TRUTH AND STRAIGHTEN OUT THIS MESS. Both companies need to be FINED and consumers need to be treated HONESTLY by people with authority to correct errors!