WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from XXXX on XXXX/XXXX/2016 at my place of employment and was left a threatening voicemail from a young lady stating she was from a Claims Department and that it was in reference to serving for a claim of " debt by deception '' that has came across their desk and that they would do a skip trace for my home and employment and was going to summons me to sue in court unless I contacted XXXX referencing case # XXXX. All this information was left on my work voicemail which anyone could access with my personal business on there. I called that number and spoke to a XXXX XXXX and he stated that Check N Go is trying to sue me for Electronic Check Fraud and that I needed to pay them or they will sue me in court. I advised to them that their claims are untrue and that Check n Go refused to work out any payment plans. XXXX XXXX then stated that he was going to pull up a settlement to see what the offer was and advised me to hold. When he came back on the line he stated that the settlement was for XXXX and I could pay that to settle the initial XXXX debt. I then advised him that I could not do that, he then started to get rude and loud stating that it ; s only XXXX you should be able to pay that since you work and was screaming and threatening that he is going to definitely send someone to my place of employment to summons me. He also stated that he would contact XXXX County and then at that time I stated that I never received anything from them regarding this alleged debt. He then stated that it was sent to me in the mail back in XXXX XXXX, 2016, at that point I advised him that I never received anything. He then stated well we have XXXX email on file and we can send it to your email. I saw the email and it 's dated as of today 's date and it 's advising me that I have until XXXX/XXXX/2016 to pay off the debt. When I advised him that his claims as a " liaison '' was false he then continued to become belligerent and loud, stating are you going to pay or not and I advised him no and then that is when he then stated again that he will be sending someone to serve me at my job and hung up. I then called an agency and they advised me to check with the XXXX to see if they were registered to collect in Texas and they showed no registration for XXXX XXXX XXXX out of GA. I then called the XXXX office in TX, they then stated I needed to contact the XXXX office in GA, I contacted them and the referred me to XXXX Consumer Protection Unit where I made a complaint against the agency, then he stated I needed to contact you 'll to make a complaint as well as the Federal Trade Commission. They did not get the debt validated from me because I never received anything from these people but an email that was sent today and dated today. I am making a complaint because I feel that my consumer rights have been violated.
called and spoke with two customer service reps and a supervisor Rushmore has changed the amount of my mortgage payment without my permission and without contacting me. I have spoken with 2 representatives and a supervisor and the issue has not been resolved. I am sending a letter to their DCA department as requested by the supervisor. My monthly payments have been since the original loan ( XX/XX/XXXX ) {$750.00} plus interest. Last month I submitted the {$750.00} + {$170.00} requested for the month of XX/XX/XXXX. When speaking with the supervisor I was informed that the previous mortgage companies were charging an incorrect amount regardless of the original documents which were sent to Rushmore. I would like assistance in resolving this matter .Documents from the website indicates 2 different amounts due. ( {$970.00} and {$800.00} the XX/XX/XXXX statement indicated that {$750.00} was the mortgage payment.
I am a victim of identity theft yet your company Commonwealth has inserted negative marks into my credit file without first notifying me to give me my right to dispute and request validation. The accounts in collections in the amounts of {$2000.00}, {$1300.00}, {$2000.00}, {$1600.00} and {$1000.00} do not belong to me and are in fact a result of identity theft. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. Once again these account are a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
LexisNexis I placed a security freeze and fraud alert on my credit report because they offer a product that suppose to prevent any company from being able to see your public record which is false the public record still was able to get verified
XXXX   XXXX   XXXX   has harassed me at work stalked me and tried to sue me twice they also told people at my place of work that I wont pay my bills and follow me to car shows and tell people at car shows I owed them money and would n't pay it, for 2 loans that were signed over to someone else back in  XXXX . I bought a car off of a guy with a personal loan and took out a second personal loan for tires for the car. theses were  XXXX  and  XXXX  in  XXXX  I put the car up for sale the gentlemen that I bought it from wanted it back so we agreed he would take over the  2  loans he could have it back. we went to the bank the loan  officer  had us both sign paper work. They gave him a payment book in his name and it was suppose to be out of my name at that point. well he stopped payment on them and     XXXX   XXXX   tried to sue me bank in  XXXX  and lost the law suit. so I thought this was all done and over with. I checked my credit in  XXXX  they were still ruin my credit saying I owed for this loan I  XXXX  they try to sue me again and drop the case after I counter sue for {$5000.00} and court fees. I talked to the branch manager of  XXXX  WV and she told me we can see in the notes where this took place and  XXXX   XXXX  was suppose to be reliable for theses account but we cant find his paper work and we fired the women that done the loan transfer and the gentlemen that harassed and stalked you. they have damaged my credit big time!! because they lost the paper work on this guy is not my problem the loans were signed over to him.
Beginning XX/XX/XXXX, I entered into a re-payment plan with my mortgage company, Carrington Mortgage. I was having some trouble making the full payment amount. I contacted Carrington MS right away  and explain to them that I needed some extra time to come up with XX/XX/XXXX payment. After speaking to them i was put on a re-payment plan. The repayment plan allowed me to divide XX/XX/XXXX payment out over the next 3 months payments. Instead of paying the regular payment for XX/XX/XXXX I paid that as well as a additional {$570.00}. As the next month approached, I realized that I could not make the regular payment of {$1400.00} as well as the additional {$570.00}. I called CMS back and discussed what my options were, I knew I could not afford to pay that- though I dearly wanted to just put this all behind me. After speaking to CMS it was arranged that I would make a payment for XX/XX/XXXX for {$1400.00}, a payment for XX/XX/XXXX of {$2200.00}, and in XX/XX/XXXX for {$2000.00}, and would go back to my regular payment in XX/XX/XXXX. Which I did. After looking at my credit report at the beginning of XX/XX/XXXX I noticed that CMS had reported from XX/XX/XXXX-XX/XX/XXXX and was reflecting a 59 day late which plummeted my FICO score. I sent a certified letter and requested that they fix the error, my letter was received and CMS removed it from my credit reports. 

In XX/XX/XXXX my wife and I decided that we would take out a HELOC to make upgrades to our home and pay some debt off since the market was booming and home values were sky-rocketing. After having our credit checked it was made clear to us that Carrington MS had yet again made another mistake and had once again reported to the credit bureau a 30 day late for XX/XX/XXXX. I again sent them a certified letter ( that is the only way you are allowed to dispute ) asking them to remove their error. 

I received news today that they are denying my request to correct the mistake. I have all my bank details to show that there was not late payment in XX/XX/XXXX. The funds were drafted from my account on XX/XX/XXXX and on XX/XX/XXXX for a total payment amount of {$3000.00}. I have requested repeatedly to please send me a allocation of their payments with no avail. 

In the state of Georgia, from XX/XX/XXXX to XX/XX/XXXX all counties were considered disaster relief areas from hurricane Irma. I was assured by the customer service representative that I spoke to that it would not be an issue to correct the report due to the disaster relief area- if nothing else. I have been lied to and drug through the ringer with CMS. I have spent countless hours preparing letters and inquires to CMS. 

There has been no clear understanding with Carrington MS since day number one. I simply want the mistake corrected.
My ex wife and I purchased our home in XXXX. The lender was XXXX. I was the XXXX XXXX at the time. I discovered the fraud committed in XXXX. It has been a nightmare ever since. We were modified in XXXX. We were forced to file bankruptcy in XXXX and was closed in XXXX. 
XXXX claimed to be a new servicer in XXXX, although we were in a bankruptcy stay they continued to harass and threaten foreclosure ever since. I explained to them that we had reconveyed already. Our statements were ignored they attempted to remove fraudulent from stay in XXXX unsuccessfully. Then XXXX XXXX claimed to be the servicer, although never seen an assignment. They tried to remove from my ex wifes bankruptcy in XXXX. Then Selene is now the servicer and have attempted to foreclose on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They Prestige Default Services are the self declared Trustee now and the loan numbers were changed as well as the TS numbers. Notifications were not sent. I sent them proof that their assignments were fraud and they ignored and continue to foreclose based on the direction of Selene Finance. See Attached Fraud from original HUD to Assignments as well as Notice of Default invalid.
I checked my credit report from Experian, XXXX and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax.
RVOLAW.COM HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A XXXX WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
There is a discharged Chapter XXXX Bankruptcy that is on my Transunion Credit Reports that does not belong to me. I have disputed several times with the credit Transunion and XXXX and they both verify. I have inquired to both for the verification information and they both have failed to supply this to me. After looking up the Bankruptcy that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.
noticed that my credit scores continue to drop. See attached documents from XXXX. Nothing received from credit agencies on why scores continue to drop. 
Continues to have a devastating impact on credit worthiness. 
Attached documents submitted to support case numbers XXXX ; XXXX ; XXXX. 
These scores could prove negative, when decisions are to be made on a recent request to refinancing VA loan. Continues to have a devastation impact.
On XXXX XXXX super frustrated I went a head and reach out to you and describe HORRIFIC DISASTER of has happened to me.. I AM A XXXX. 
I am one of those with the XXXX. Who could no loner continue to work. 
I have defaulted on my mortgage and I am asking for help fro m Nation Star. Al I want is to be able to keep my home. I have XXXX children. 
I am requesting from Nation Star to stop the sale date which they moved to XXXX XXXX and review my file for a loan modification All I need is a work out plan that will benefit us all. 
I am asking that they extend the terms of the loan, lower the rate and adjust the principal balance. This will definitely make my home affordable and sustainable.
I would not usually complain but enough is enough, this company needs to be held accountable for their actions. It is not the first time my money has been messed around with by this awful organisation. On this instance : XXXX XXXX from Coinbase : A  withdrawal of XXXX ( + XXXX banking fee ) has been initiated. XXXX will arrive in your bank account by XXXX XXXX, XXXX. XXXX XXXX : still no money in my account. Numerous attempts to contact Coinbase 'Support ' have been in vain in the past, you just never receive a reply to your case ; if you do it is from a templated auto-response several days later. They do not have a telephone support option so you feel as though they are hiding from giving answers. They can not be allowed to continue operating in this manner, they have enormous funding and charge exorbitant fees, they can afford to hire a support team. Playing with peoples ' finances is not acceptable. Some examples of horrendous service can be shown in their ( heavily ignored/neglected ) community page : https : XXXX
My mortgage loan was sold to Ditech approximately 12 months ago. Ever since Ditech has received my mortgage it has been a nightmare. I 'm bombarded with invoices once maybe twice a week. Before I am even delinquent there are phone calls and more mailings about getting current. I have had and currently have mortgages with other companies and have never experienced such a confusing and negative experience on an on-going basis before EVER. Unfortunately this is not just a one time event but reoccurring every month. If I do n't look carefully at my invoices and question the charges I would be paying many unnecessary fees. Again something I 've never experienced before with any other mortgage company. I believe Ditech intentionally makes their billing statements confusing to decipher and frightens people by threatening to foreclose on their mortgages when their mortgages are not in foreclosure status.
Dear Sir, I am writing you to request a loan modification. I purchased my home in XX/XX/XXXX.The mortgage I received was 80/20 mortgage later the 20 mortgage turned into a line of credit with a rate 8.60 that  balloons in XX/XX/XXXX. I work for XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX, Delaware. XXXX XXXX telephone is XXXX XXXX XXXX. My boss is XXXX XXXX. A new company takes over XXXX the first of the year XX/XX/XXXX. The new company has not said if they are going to keep XXXX XXXX. My hours have been changed to 24 hours a week. I was paying {$1600.00} a month in mortgage payments to pay off the loan by XX/XX/XXXX. I can no longer pay {$760.00} to Bank of America a month. XXXX XXXX holds the XXXX mortgage which is {$850.00} at a rate 3.00. 

Here is a list of my present estimated bills : XXXX XXXX XXXX XXXX {$210.00} IRS {$1200.00} Bank of America {$760.00} XXXX XXXX {$850.00} extra {$20.00} towards escrow XXXX XXXX {$260.00} XXXX {$250.00} XXXX {$130.00} XXXX {$45.00} XXXX {$28.00} XXXX {$77.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX {$200.00} Food/Clothes/living expense/doctors/ house maintenance/XXXX XXXX {$500.00} Income XXXX XXXX {$690.00} Social Security {$1000.00} Post Office {$1700.00} Thank you for the loan Modification as you can see from the past I pay all my bills. This present loan with Bank of America is going to mature in the year XX/XX/XXXX and is a balloon mortgage, and I would like to pay it off on time and keep my home.
XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.
I was trying to get a credit report through XXXX and it seems that my social security number is not matching with my name or anything of my identity. I do n't know what the problem is but I want to improve my credit and pay on my credits but I can not if I cant get down to the bottom of things if I have been identity theft or not. Please respond as soon as possible. Thank you.
I have a charge off account with University XXXX at XXXX that has been paid in full. I have alerted all XXXX major credit agencies to inform them with accurate information. Provided the contact information of the original creditor which is XXXX XXXX XXXX ( XXXX ) whom works at the university and is in charge of the account ; so they can confirm/verify that the account is paid in which agreement was made to have the account deleted from all reports. Each credit agency failed to follow through with my investigation even after I gave them the contact information. I keep getting the same results from them stating '' consumer disagrees, account is accurate ''. That is wrong and incorrect. If they follow through like they 're supposed to then they will find out that the account is indeed paid off and that the original creditor agreed to delete this from my credit reports.
Applied for and approved for XXXX Preferred Business Card from American Express in 2018 with XXXX point sign up offer. Spent the required {$5000.00} in 3 months and did not receive XXXX points. Talked to rep. and found out was denied bonus. They opened an inquiry but the points are still missing. I would like it researched and points awarded for the following reasons : -Have only had XXXX or XXXX American Express cards in last 20 years. ( still have 2 of them ) -Have never had the American Express BUSINESS card before so the once per lifetime bonus rule in the fine print has been followed. 
-Never received a pop-up message while applying online or any mail / email indicating my bonus had been denied after the card was approved. 
-Spent over {$5000.00} in 3 months and met the minimum spend requirement to get the XXXX XXXX points. All of the spending is from real legitimate purchases. 
-Fully expected American Express would honor the bonus for sign up but did not. Never received any communication that I would not get the bonus or wouldn't have spent the {$5000.00} in that short amount of time. 
Thank you for checking into it.
In 2008 we found it was difficult to make our mortgage payment of XXXX, so we requested a loan modification. A trial mod was granted for 3 months which helped greatly. When my husband lost his job, the mod was rescinded because he was collecting unemployment. After contacting XXXX or more firms boasting to help obtain a loan modification for a few XXXX dollars we were advised to stop payments until the mod was approved..Of course it never was and the firm was no longer in existence.Now we were in foreclosure. After battling with the bank on occasions too numerous to recall we jumped through hoops to provide the proper documents to accelerate our application. Most times these were misplaced by the bank staff members and we had to resubmit repeatedly. After many meetings at the court house with the banks attorneys, we were still at square one..only now we owed the bank interest and penalties. As a last resort we attended a meeting in our state capitol with an agency to help people like us make some headway with our lenders.After four or five hours, we were told that we had been approved by our lender for a reduction of our interest rate previous to that day but were never notified. So now, after all is said and done, our rate dropped but our payment remains the same due to interest, penalties and late fees on the payments we were told not to make. Now we are underwater and although we are making our payments on time, our mortgage balance is higher than the original purchase price. We feel we were taken advantage of by several law firms preying on folks like us desperate to keep our homes in a waning economic climate.
Waiting on XXXX to go through and husband is on XXXX leave which was explained to them. I do make at least a {$50.00} payment when I can. They call about 4 times a day on my cell phone and 4 times a day on my house phone alternating them house phone then promptly after my cell maybe wait an hour or two and do it all over again.
Santander XXXX lender who never proved they owned my loan is not making harassing phone calls to me 3 years after the last payment if a loan in which I satisfied fully. The have n't been in contact with me in three years and have taken action with false reporting on my credit report.
My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.