WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get a payoff statement from my former Mortgage company, US bank home mortgage, Last Monday I called to request this and they could not send it to me that day, instead they could email it to me within 3 to 4 days via XXXX secure server. by Friday I still had not received it and so i called them again, they said they would fax it over to me with in 10 to 15 minutes and put in a rush request for it to be emailed to me and also told me that normally it would actually take up 7 days but it is scheduled to be emailed by monday. I never recieved the fax on friday. so I called AGAIN today and they stated that the rush request had been viewed and opened but NOTHING had been done about it, but it is scheduled today to be emailed sometime today and they could not give me a time. i needed this letter last week not to mention they STILL have not reported this home as paid of with a clear title since it has been paid off since XX/XX/2016.
I have written several letters to Transunion Credit Bureau about remove the below unauthorized inquiries thats part of their inquiry issues. 

1. XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX Inquiry from XX/XX/XXXX 4. XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX XXXX. XXXX XXXXInquiry from XX/XX/XXXX
I had a loan with Republic Finance LLC whereas I owed {$3000.00} from XXXX/XXXX/XXXX to XXXX XXXX. The loan was for two years. In XXXX XXXX there was a hurricane and I asked the company could I delay paying them until XXXX and they said yes. I had been paying them and if I ran into a problem, I would call them. They put me delinquent on XXXX/XXXX/XXXX where as Republic agreed that I would pay them in XXXX XXXX, but on the credit report they stated the first delinquency was XXXX not XXXX. Tried to file a Judgment against me. I had called them prior to issuing the Judgment and told them that I was going to pay them off in XXXX XXXX. They said okay. They filed a lawsuit for a Judgment on XXXX XXXX, XXXX but the Judgment did not go through because I answered them and said I was going to pay the loan off. They sent to the credit bureau that I was in collection and was never in collection, that I was {$540.00} past due and I was not. Put down I had XXXX 30 days late and XXXX 60 days late to ruin my credit even though I paid them {$1400.00} in XXXX XXXX. They filed against me and my husband because we had a house. After explain the situation in an Answer, the Judgment was not file but tried to make me pay a collection which did not happen. I told them that I was going to pay them off in XXXX XXXX. They wanted a Judgment and since the Judgement did not happen, they put down I was in collection from XXXX through XXXX XXXX. This was Republic Finance LLC, XXXX XXXX, Manager but they moved from the address. The address of the home office of Republic Finance is XXXX LA XXXX. XXXX number XXXX. The account # XXXX. They have ruined my credit when I paid them off eight months before. Republic put down that I had 30 days past due on XXXX, XXXX, and XXXX and 60 days past due on XXXX, XXXX and XXXX and collections for XXXX, XXXX and XXXX. Never received anything but the Judgment they tried to do. This was done to put a lien against my home. Did not try to work it out. The loan was {$120.00} a month. When I did not pay on the due date, I paid the {$10.00} late charge. Sent me a letter on XXXX/XXXX/XXXX and filed lawsuit on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, told them I was going to pay them off in XXXX. On XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX and on XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, therefore, I could not have the 30 days past due or the 60 day as stated by Republic. They told the credit bureau that I paid off the collection which was never in collection. This company did not care that I was going to pay off this loan and deliberately put incorrect information in the credit bureau to ruin my credit. Companies like Republic Finance , LLC should be investigated for the strategies used on consumer. I talked the District Manager several occasions but upheld what was done.
I have several accounts that are reporting on my report incorrectly 1 XXXX has me listed as late never late XXXX XXXX fraud late not mine never late 3XXXX XXXX not mine fraud 4 XXXX fraud not mine 5 bankruptcy not mine must be mixed file
I had a Mortgage that was owned by XXXX XXXX XXXX. It was then sold to Rushmore Loan services. I fell behind in making payments and they offered me a solution to " help '' make my payments current. They ended up adding over {$34000.00} in fees to my loan in XXXX XXXX. Keep in mind at that time they only had my loan since XXXX XXXX, so in less than 5 months they say I accumulated over XXXX in fees? I did n't even realize they were adding that at the time to my principal. I was worried and signed the paperwork as they threatened to foreclose on my home! I never realized they increased it until I looked at my statements XX/XX/XXXX after I have made successful payments to them, and thinking I might have made a dent in my balance. I was shocked to see such a balance.
" Ad Adstra '' has been reporting an account in collections on my credit report. I have now sent two validation requests to this company, to the address listed on statements they keep sending, asking them to validate the original creditor, amount, payment history, fees/interest etc. as this account I did not recognize. I specifically wanted to see loan agreements or anything bearing my signature, as I have had several accounts opened by my ex-husband without my knowledge.The first validation request was sent on XXXX XXXX, 2017, with no reply. The second, and most recent request for validation attached to this complaint was sent XX/XX/2017. The company sent another statement with a partial response on X/XX/17, however, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. Having my SSN, Drivers license number, and birthdate was n't the validation I requested, as I know anybody could obtain and provide that without my consent. As they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account.
I have disputed the following several accounts with Experian as the accounts are too old to be on my file and I am with my rights according to FCRA to ask for the deletion of the several outdated accounts. Experian indicated that they verified the accounts however verification of the accounts has nothing to do with outdated information and requesting for Experian to removed the outdated information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
STUDENT LOAN XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed.
Seterus continues to explain their actions for not providing me with information on my mortgage, by stating that I am in bankruptcy and that I am represented by Attorney XXXX XXXX. This is all false ; I have never been in bankruptcy and never hired Attorney XXXX XXXX. Since Seterus is conducting themselves based on this, I need Seterus to submit proof that I am in bankruptcy and I am represented by Attorney XXXX XXXX. Seterus never bothered to verify this information about me. Since this is all false, I am entitled to information about my mortgage loan. This includes receiving monthly statements so that I can make sure that my payments are properly credited, find out when statements are due and what late fees charges are, and escrow statements need to be mailed to me at my home address. The latter was mailed to Attorney XXXX XXXX of which I have no relationship with. This error by Seterus resulted in my not knowing the new monthly payment amount for my mortgage. XXXX Bank sold our mortgage to Seterus in XXXX 2013. During 2013, I continued to receive monthly statements and the escrow statement prior to the mortgage being taken over by Seterus. If XXXX can provide me with information on my loan, than Seterus certainly can continue to do so. I am not in default of my mortgage loan. All payments have been made and proof of payments have been provided to Seterus.
Second time I receive call at work from Manager caller ID says anonymous does not show company name only has happened the last two times previously I got call and caller ID said empire and listed phone number have not signed work authorization to receive calls at this job but I don't like getting anonymous calls at work from XXXX  at XXXX XXXX
The company keeps calling stating I 'm late XXXX payments which Equals over {$450.00}. I keep requesting to have a lower monthly payment and in order to do so each month they keep requesting a full payment, and then the next month continue with the same sequence. I can not afford {$160.00} a month at this time. It 's frustrating and scary to think I may lose my credit due to student loans my parents took out for me when I was n't old enough to understand the consequences.
We have learned that JPMC acquired the banks but it was not a " Merger '' so therefore this was not a Financial Qualified Contract. When WAMU collapsed, JPMorgan Chase became the servicer. When we made queries about the new owner, JPMorgan Chase claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to XXXX XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. XXXX then flipped it to another subsidiary of their company. When we called the FDIC and the XXXX, they XXXX referred us to CFPB because this is all debt collection. Additionally, we learned that Washington Mutual Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for WAMU and Chase and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report
On XXXX XXXX, 2015 XXXX XXXX from Warner Asset Location Services started calling my home number, my parents home and my husbands phone. He is looking for XXXX XXXX and he asked us to relay a message. I asked him on XXXX XXXX, 2015 to stop calling my number harassing me about someone else 's debt because I do n't relay messages. He called again on XXXX XXXX, 2015 and left another message about the same person 's debt. It is pure harassment at this point.
This complaint involves the company Diversified Consultants Inc. I am constantly being harassed and receiving phone calls almost every day in regards to collecting a debt that I do not owe. Diversified Consultants Inc. states that I owe a debt in regards to a cable debt. 

Diversified Consultants Inc. called me several times a day with different phone numbers, never leaving a voice mail, and I do not owe them any money, nor am I attached to any account that they deem is delinquent. 

I have received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on : XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

I have also received phone calls from Diversified Consultants Inc. from XXXX on  : XX/XX/XXXX  at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX 

I am going to litigate if I continue to receive unsolicited phone calls from the Diversified Consultants Inc. and any variations of phone numbers that they are calling from. This is beyond absurd, and is extremely out of hand. 13 unsolicited phone calls in one month is ridiculous.
I already have a complaint file on Wells Fargo Mortgage. Today I received a call at XXXX my time. The call was from Wells Fargo Mortgage and the representative gave his name as XXXX XXXX. The phone number the call came from was XXXX and his ext. no. is XXXX. I was very disturbed by the call. He kept interrupting me, told me I didn't know about the process and that he was going to educate me. He was demeaning and condescending. I felt like he called to try and bully me and I'm XXXX so I felt like this was abuse and not information. When I asked to speak to a supervisor he told me he didn't have one available. I told him he was out of line and that I would file another complaint about Wells Fargo and him. He told me not to waste my time because the cfpb wouldn't do anything except send the complaint to him and Wells Fargo. I told him about all the different information I had gotten from Wells Fargo so I wanted to make sure that when I got my principle down to the 78 % the HUD mortgage insurance payments would stop at that time. He then told me that I might have to pay another month or two until HUD could be notified. I told him I had better have the {$180.00} taken off my mortgage when I reached the 78 %. I am retired and so that much money is a lot to me.
still, am receiving from DITECH FINANCIAL LLC that I have to pay for this debt collection when this debt already was pay off 12 years ago.
The Credit Report Bureaus ( XXXX, XXXX, Transunion ) has decided that as of XX/XX/2016 that student loans from the Department of Education, should be reported in a way that negatively affects consumers that are under the IBR plan, PAYE, REPAYE, ICR.. As it is known our government has made efforts to facilitate low income citizens to be able to repay their loans. As we all know All Student Loans accrue compounding interest. For re-payers that falls into the above repayment agreements with the Department of Education, the original loan amount, will be lower than the current balance ( this could potentially change only if the holder of the note experiences a leap change in their financial situation ). 
The decision of Transunion, XXXX and XXXX to impose ( servicers like XXXX XXXX, etc.. ), to report " High Limits '' lower than the " Balance Amount '', impacted that my credit score - and I assure others as well- to decrease credit scores to a mounting XXXX to XXXX credit points. 
This means that lower income Americans are doubled affected by the decision made by this private institutions. The effect is represented as " overuse of credit '', " credit decrease '', " percentage of credit use '', that DOES eliminate opportunities for Americans to stay ahead of the most basic financial situation, like obtaining appropriate rent agreements, or car loan with affordable interest rates, car insurance, etc. In other words, for those that even graduating, with the expectation of achieving the " American Dream '', and fell into the cracks of the longer recession ever in the country, where not appropriate and decent paying jobs are available, their future is even more uncertain. 
My main question is : How is it possible that private institutions will diminish the effort of the Department of Education to help lower income payers? How could they get away with such abusive measurement? 
Let make myself clear, I am not arguing the fact that reporting should not happened, I think payments amounts, terms and late payments if any and so forth are " ok ''. That falls into the personal responsibility of the loan holder. But if even the holders of the student loans take the effort to not be in default with the Department of Education by enrolling in this other programs, why are they punished by PRIVATE organizations? 
I am speaking on behalf of myself and for the others that may have not realized yet the impact of this decision. 
I possess all proves of my complaint. I do not only demand a personal answer but a public acknowledgment of this issue. I will be willing to share my experience at a Congressional Hearing as well as I would like the CEO 's of these XXXX private credit reporting " agencies '' to provide a solution to their decision. 
I could be reached at XXXX, XXXX XXXX
I have an unverified account from PORTFOLIO RC. I had previously disputed this account. I have never done business with PORTFOLIO RC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Franklin Collection Agency has added a collection to my credit report that does not belong to me. I have requested validation without any response. I have never had any services with XXXX. I have been a resident of Illinois for over 15 years. This account does not belong to me. By reporting this information this is damaging my credit worthiness for an account that has never belonged to me.
This is a continuation of complaint # XXXX. I have gathered the information that Ditech requested. I will attach XXXX letter from me to Ditech, XXXX letters from a lawyer to Ditech, and the information that was sent with the letters. The first letter was XX/XX/2015 preceded and followed by many recorded telephone messages that were not returned.
I got a little behind on my payments so I was contacted by a representative and we came to a verbal agreement that I would pay a month payment and then I 'd pay more in a few weeks, but before my next verbal payment was due, they came and retrieved the merchandise while I was at work. Then they added a whole months payment onto my account. I 'm not saying I do n't owe them but I know I do n't owe them what they 're claiming I do. I 've called then several different times for incorrect billing amounts.
I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX, for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in XX/XX/2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of XX/XX/2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.
Convergent outsourcing had my account, from XXXX, for a bill that was incorrect, I disputed them and asked for supporting evidence of this amount they claim I owe, they refused to send it. I disputed and they rejected the dispute XXXX aparantly fired them they do not have my account, they still report on my credit report that I owe them!!! 

I owe nothing
In XXXX, I received a letter from Mr. Cooper aka Nationstar in the mail stating that I would need to show prove of insurance. I did called and uploaded the prove to them. In XXXX, I received another letter and I did call them again and they state that did not received. I did uploaded and called them back and they did confirmed that it was received and it will be removed in 10 days. I received an overdraft on XX/XX/XXXX and nothing was fixed. I called their escrow company XX/XX/XXXX and they said they will have to send their insurance company another message to clear so it can be reversed. XX/XX/XXXX, I called them again to check if it is resolve since my online account does not reflect any credit. The representative said they're still waiting for escrow to reverse it. I called back XX/XX/XXXX and nothing was done yet.
I purchased a Condo in XXXX in XXXX the mortgage was for {$1400.00} monthly with an XXXX fee of {$380.00} I made all payments on time til XXXX when the market dropped and property values plummeted, I tried to do a loan modification with Bank of America which they declined, I asked them to take back the property or foreclose, I moved to XXXX waited XXXX no foreclosure I called to inquire about a short sale a deed in leu or a mortgage release. I was told to do any of them I would have to try another modification I tried and was denied again, I waited another year still no foreclosure, I then called and asked when would they be foreclosing on the property and was told XXXX months or so, due to other credit issues I filed for bankruptcy in XXXX included the property and was relieved of the mortgage debt, but since the property has not been foreclosed yet to this present dated the HOA fees are no longer {$380.00} they 've gone up over the years to {$510.00} and I am liable for every single fee since the bankruptcy settlement. The bank refuses to accept a short sale and continues to reset the clock on the foreclosure process, this has been ongoing since XXXX I am unable to get a mortgage, credit card, car loan, anything having to do with credit because I keep getting judgements against me for the HOA fees as of last month they are stating I owe {$17000.00} and they ad {$510.00} every month after. I have done everything the bank has asked of me for the past XXXX years sent all the paperwork that they have requested of me and still to this day there seems to be no end or resolution to this situation. I 've spoken with over XXXX people at Bank of America and anytime it seems I 'm getting somewhere with someone they change my account specialist on me and make me start all over, I have XXXX children to take care of and its difficult trying to move on with my life when someone could continue to get {$510.00} monthly for a property I do n't live in and that a bank refuses to foreclose on.