WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015 my husband and I requested a loan mortgage modification with our current mortgage servicer, Carrington Mortgage, but we were denied in XXXX 2015 ( we have a VA loan ). We had no choice but to pursue a short sale, which we discussed with Carrington Mortgage. We completed the required paperwork and obtained a realtor to process the short sale. We moved out of the home in XXXX 2015 to prepare the home for viewing by potential buyers. The realtor submitted the short sale paperwork to our servicer. On XXXX XXXX, 2015, the realtor contacted the servicer with updates. We received an offer today ( XXXX/XXXX/2015 ) for the home and signed to paperwork. My husband went to the home to mow the lawn and discovered that the lock box was cut off the front door and the locks were changed without our knowledge. We never received a letter from an attorney regarding a pending foreclosure sale. We are very upset because we were not notified the servicer would take possession of the home because we were in the process of trying to sell the home, which we have received an offer. I believe they have violated Georgia laws regarding home possession. We are trying to avoid a foreclosure.
The lender is violation of RESPA and the clients right to counsel - the lender was request for legal challenges - the lender has yet to respond to our request of QWR sent XX/XX/XXXX, 5-day letters sent on XX/XX/XXXX and XX/XX/XXXX - A loss mitt package was submitted to the lender on XX/XX/XXXX and they still refuse to postpone sale for the review and response needed to our requests.
Equifax is reporting the following incorrect information despite my request to correct it : Name On File : XXXX Social Security # XXXX Date of Birth : XXXX Current Address : XXXX, GA XXXX XXXX Reported : XXXX Previous Address ( es ) : XXXX XXXX Woodstock, GA XXXX Reported : XXXX Formerly Known As : XXXX Last Reported Employment : XXXX ; Previous Employment ( s ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ( Credit grantors may view this statement when evaluating your credit ) ( This section allows the consumer a personal statement regarding their credit file. ) THIS REPORT STATED I HAVE LIVED IN XXXX GA AND AM CURRENTLY EMPLOYED BY XXXX BOTH ARE INCORRECT THE VALIDATION QUESTIONS POSED TO ME ARE TOTALLY INCORRECT AND CAUSED ME TO BE REJECTED DURING ONLINE IDENTITY VALIDATION. 

I request that I be notified as to the source of this incorrect reporting facts as to the following and that they be purged from my records : 1 ) Living at XXXX, GA, - I have never resided here, and 2 ) XXXX ; XXXX ; XXXX CA ; - I have never lived in CA nor been employed by this company 3 ) Residing in an apartment at : Current Address : XXXX, GA XXXX this is a single family home which I own outright ) ; I do not live in XXXX - it does not exist
At age of XXXX in XX/XX/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.
On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims.
In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.
XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.
I filed bankruptcy in XXXX and it was discharged in XXXX XXXX, My home is Charged Off in XXXX. First XXXX XXXX stated I did a short sell of my house but I am still living in it. Now XXXX XXXX is claiming that my house was charged off in XX/XX/XXXX, which is causing me problems opening up a business account and/or getting a mortgage. I have sent all XXXX credit bureau proof that XXXX XXXX was sued for lieing and filing false statements on people credit reports. Experian sent my a letter stating that they will do their own investagation, but it is still on my credit report
Nationstar Mortgage Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.
I have tried for years to help EQUIFAX to report correct addresses. I have sent on numerous occasions via certified mail of copy of Driver 's License for both the former and current address. Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Five years ago I consolidated all my loans with XXXX XXXX. Now it is XXXX. I am current with my payment and have not missed. I am now getting a bill from Great Lakes on my student loan of {$150000.00} and they say I am behind. I NEVER GOT ANY NOTICES. And what happened to my consolidation? 

I am in the process of communicating with them and they are trying to determine what happened on the consolidation process.
XXXX XXXX XXXX of XXXX XXXX Ca charged me XXXX XXXX times ( Same item ) Called and reversed XXXX charge. On XXXX daughter XXXX XXXX XXXX, XXXX NY was charged also.This is for me and bought for me by family members I agreed to pay after second yr.Mailed proof to XXXX charges XXXX reversed as of XXXX. Someway Sears card ( CITY BANK ) got into this after I already had a reversal and charged me again on XXXX.Do n't know how sears got into this since I got a reversal of charges on XXXX. Rcd letter from Sears Credit services on same day that another charge was posted on my card. Owed a charge back. 
Charge card showed all transactions clearly. Do n't they ever proof read their bills, especially since I brought it to their attention. 
I wish that XXXX XXXX and Sears Crdit compensate me for this hilarious and confusing billing. Send a rebate for all charges, including original, refund my daughter fo billing her.Send a carton for shipping item back. At that point I will go elsewhere for an alert system. All charges amount to about XXXX ( Plus aggravation that never seems to end. )
I did some work for a company that paid me {$50.00} thru paypal. When I requested transfer to my XXXX XXXX debit card on file at Paypal 7 times transfer failed 7 times. When I requested Paypal mail check Paypal began asking for my credit card number claiming to want to confirm who I am. Customer Service at Paypal made false statement several times and still refuses to mail my money or transfer money. XXXX XXXX says it has no record of Paypal trying to transfer money at any time for any reason. 

Thanks, XXXX
The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of XXXX is 4 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX Midwest Recovery Systems XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX XXXX : {$700.00} Date Incurred : XX/XX/XXXX
XXXX XXXX XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well. 
I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.
I was contacted by the collection agency NRA regrading a debt they told me I had. The lady explained this was for an unpaid tax which made no sense to me since I am under the Military Spouce Residency Relief Act and my main residence is Florida so I do not have to pay any taxes. But she kept with the pushing and using the typical collections as to scare me and try to get me to pay something that made no sense. I spoke with my sister who has a career in collections/compliance and I allowed her to get information regarding this debt as I did not want to speak with the extremely rude and unprofessional individual, XXXX XXXX. My sister called NRA on XX/XX/2018 and gave my phone number to locate the account. She was quickly transfered to another department ( never verified who was on the phone ). Once transfered it was the same lady I had spoken to at an earlier time. My sister informed me she was rude and could have spoken in a different manner as far as professionalism. Not once during the 20 minute call did she ask is this was XXXX, or verify in any other way. The only information was that a women on the phone that had my number to locate the account in the office to get information on the account. My sister was able to obtain all of the information on the account and was in complete shock that they never verified. NOT EVEN MY NAME! At the end of the call she asked to be transfered to the manager and the agent said " are you trying to catch me in something '' and she stated to just transfer to the manager. The manager got on the line and started to speak on the account and then I informed the manager that the rep not once verified who was on the phone. She then realized that she ( the manager ) should verify and FINALLY asked if I was XXXX XXXX. NOPE she was not XXXX XXXX and told the manager that a CFPB and XXXX  complaint will be filed due to giving out all account information to a third party without verification.
My wife and I both had our private information stolen in the Equifax security breech. 
Neither of us wants or gave permission for Equifax to compile our information so they may money off our private information. Our private information is now available to crooks FOREVER. It costs us {$60.00} to freeze our credit and up to {$60.00} to thaw each time. 
Equifax was warned of their lax security now millions of Americans have their private information available to crooks FOREVER.
This debt collection agency ( Fox Collection Center ) reported a person with similar name on my credit file report, then filed a collection on my credit report changing the debt to my address although another address appears on the debt.
Under a prior investigation, Citibank reported that they could not accept payment to clear the Sears Card charge off that appears on my credit report. They acknowledge their total lack of customer service and egregious late fees of XXXX presented for a XXXX purchase. 

They merely refuse to assist and are advising me to standby for the negative reporting to evaporate. Please request the negative reporting removed. This account failed due to poor communication and exorbitant Citibank fees. 

Removing the chargeoff in recognition of my XXXX Government service status and otherwise commendable credit history would be a redeeming act for the villainous massive Corporation and would help me in performing a large consolidation putting me a step closer to meeting the financial requirements that my wifes terminal illness represents.
I had disputed with Transunion to remove a paid New York State tax lien from my credit report. I had cited a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I had written to transunion a certified letter along with proof of payment and gave them 30 days to remove it from my record. 

I received no response from Trans Union via mail and had no help when calling on the phone. I was promised call backs etc with no proof being provided to me of investigation etc.
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & XXXX Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding XXXX Validation Attachment XXXX. 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response & XXXX Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.
Nationstar Mortgage company has continuous stated that I owe a balance for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, & XXXX 2015. I have contacted multiple representatives and supervisors from the customer service department, fraud department, and foreclosure department. I have provided money order receipts for each XXXX of the payments they state I have not paid. Each time I have called, I owe a different month or it is under investigation. I recently received another letter stating that I have overpaid {$4000.00} in escrow and they were taking that money for my outstanding loan payment. I believe this company is acting fraudulent and trying to scam for extra interest or late fee payments. I have all letters, money order receipts, to substantiate my claims. I would like this matter corrected urgently. I am a senior citizen and this is my home. I rely on my limited income and I can not be threatened to be foreclosed on and my home taken away when I have sent them the proof that I have timely paid my mortgage.
XXXX I started falling behind on XXXX payday loans.I got on the internet and started looking for a payday resolution company that could reduce my payments so that I could continue to pay and I wanted to pay because I did owe so I saw global client solutions and I called and got information about their program the man that I spoke to told me what to do and I did.the first thing he told me to do was close my account and I did and it cost me almost XXXX $ .he told me the program was either 8or9 months I pick which one I want and that they would stop the interest and split my payments in half and that they would set up me an account and hold my funds until they could reach a settlement with the lenders.I asked him would the lenders continue to call me once I hire them he told me no.I found that to be a lie very soon and when I called him about it after my second payment he got a attitude with me.I felt something was wrong then.well global took the case then they turn it over to XXXX XXXX they are the ones that are suppose to settle your account with the lenders but I kept getting letters about my loans saying they were not being paid on at all they debited my account for three months for XXXX which totaled XXXX they told me they had settled XXXX account for XXXX that was a lie they told me they were paying on my XXXX loan for XXXX only to find out they have paid no one I filed a complaint with FTC and since then I got a email saying I 'm not do a refund from larger consulting group because of all the fees.but global client sent me a courtesy check for XXXX for all fees paid to them.they advised me not to contact them any further only contact larger consulting.please help
My citicards credit card expired XX/XX/XXXX  but I did not check on why I did not receive a replacement until  XX/XX/XXXX  since I was unexpectedly  XXXX  during that time. I called the number on the back of the card,  XXXX , and asked and was told my account was closed. I gave them my new address and they said that they would send me a copy of the letter stating the reasons to my new address and that they could not tell me anything over the phone. I never received that letter and do not know why my credit card was cancelled. Their customer service is not helping me.
While flying Spirit, we were presented with the opportunity to get their XXXX which would give us XXXX bonus miles, they advertised as worth 2 round trip tickets. We applied and were approved. Since then we have accumulated more than XXXX miles and anytime we try to redeem our miles, the cost of using miles is monetarily MORE than just purchasing the tickets. A trip from XX/XX/XXXX-XX/XX/XXXX would cost XXXX miles + {$110.00} versus paying {$100.00} using NO miles. They claim it 's because of the Award Redemption Fee that applies between 21-180 days. I looked to book XX/XX/XXXX-XX/XX/XXXXand that would cost XXXX miles + XXXX versus {$110.00}. I feel this practice of soliciting card membership with the promise of reward miles that are useless is unfair and deceptive. We received and used their XXXX, which had a higher interest rate then our other cards, under the belief we were accumulating miles which would result in a benefit of at least 2 round trip flights.
My XXXX answer a phone call and they asked for my name and he asked who was calling, they stated MCM and he asked what is was and they said midland he asked whole company name and they just said midland again he asked if there was some kind of debt and the person on the phone responded with YES
An inquiry for SunTrust Bank appeared on my XXXX credit report, an inquiry I did not authorize. This occurred while there was an active fraud flag on my account. 

I began by filing a dispute with XXXX, but the inquiry remained. 

I then wrote a letter to SunTrust and asked that they remove the inquiry, but it remained. 

I then filed a XXXX complaint on SunTrust. In response, SunTrust sent a letter stating that the information submitted on the application matches my contact information. That is not responsive - if someone is using my identification to fraudulently obtain credit, they are, by definition, going to use my information. 

SunTrust has declined to remove the inquiry, and that is unfair and inappropriate.
On XX/XX/2016 I contacted the credit bureaus, Equifax, XXXX and XXXX via certified USPS disputing several accounts that are reporting inaccurately. I have made numerous attempts to reach them by phone and further mailing actions, the credit bureaus ( all XXXX ) are refusing to send me an updated credit report or acknowledge my dispute request. 

DISPUTED ENTRIES : 1. ) XXXX # XXXX ( PAID NOT COLLECTION ) 2. ) XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 3. ) XXXX XXXX # XXXX ( NEVER LATE PAID AS AGREED ) 4. ) XXXX ( PIAD-NOT COLLECTION ) The Following Inquiries are not mine, never authorized : 1. ) XXXX XXXX ( showing XX/XX/2016 ) 2. ) XXXX XXXX ( Showing XX/XX/2016 ) 3. ) XXXX XXXX ( Showing XX/XX/2016 ) 4. ) XXXX ( Showing XX/XX/2016 )
On XXXX/XXXX/2017 after repeatedly advising Navient reps to stop calling every five minutes the following letter which will offer CFPB insight into my issue with this company. Dear Sirs, I have a loan with Navient, originally with XXXX XXXX. My loan came out of deferment the same week I lost my job. I advised Navient I had no resources to pay and asked to extend my deferment. My co-signer could not assist with the payments. XXXX XXXX was not aware she was a co-signer and she lives on a SSI fixed income. I will graduate by EOY and expect to find viable income and had planned to set up some type of affordable payment arrangements with Navient to satisfy my debt, BUT in light of the fact that Navient has terrorized me and my elderly mother I am now determined to seek solace from the Navient with the help of CFPB. Navient call our home and cell phones 7 days a week beginning at XXXX in the morning until XXXX at night. A print out of our cell phone bills and house phone shows that Navient calls back to back within minutes. The phone records also show that the calls per day are at minimum 10 times per day even when we speak to a rep. One Navient rep informed me that Navients phone lines are not linked therefore they can not see each other 's notes. Supposedly each office is independent and not aware when another office makes customer contact! Huh? Another Navient collection tactic is they use many many different numbers. I started creating a new contact for every Navient call. I am now up to 5 contact numbers. This is harassment in the highest form. I worked collections for 3 years and was extensively trained in FDCPA rules and Navient has violated every rule. I am forwarding this letter to every credit and government agency and the BBB. No one should have to suffer collection efforts ALL day EVERY day. Sincerely XXXX XXXX XXXX