WillisBack/dataset-financial-user-claim huggingface dataset:
Last month I pulled my credit report because I am in the process of purchasing a house and I noticed that National Credit Systems ( XXXX XXXX ) reappeared on my reports in the amount of {$80.00}. I previously disputed this erroneous debt and it was removed from my reports. I have not received any kind of correspondence, calls or emails from this company. I have not idea who these people are and why they are trying to collect from me. I have faxed over a Debt validation letter as well as filed a previous complaint through CFPB and nothing has been resolved.
I had a car loan with Lobel Financial and became 45 days behind. Since XXXX XXXX I received a total of XXXX calls between my husband and I cell and work phone .They constantly called back to back and when we did n't answer they would send and anonymous text message stating " please pick up the phone ''. They told my husband 's boss that he was stupid for not putting my husband on the line. When my husband questioned the lady that made the statement she simply said " I do n't care I do n't work there ''. They contacted all of my XXXX references informing them of personal information. Letting them know that we were 45 days behind on payment. They recent took the car which we are find with but when I asked what it would take to pick it up. They stated that I wwould have to pay XXXX. This included 2 monthly payments and a XXXX tow fee which does n't include the fee at the tow. The day that the care was picked up Lobel 's rep called my husband 's phone back to back with in 5 mins at least XXXX time because he kept sending her to voicemail. This collection practice that they have is not right and unethitical
On XX/XX/2016 I was advised by XXXX in the XXXX with Equifax that my credit file was going to be locked and that they needed me to submit my Social Security Card as well as a XXXX form XXXX to them via fax to verify my identity after I have been dealing with them for going on a year now filing disputes on my credit report. I recently submitted a complaint with the CFPB on XX/XX/2016 against Equifax and when I asked them why they were responding to my complaint with information that they received from XXXX of the company 's on XX/XX/2016 which is prior to when I submitted my complaint with the CFPB they decided to transfer my file over to the Consumer Affairs Department who is now requiring these documents be submitted to them which I did comply and submit the documents on XX/XX/2016 and faxed them to Equifax. I called Equifax XXXX XX/XX/2016 and asked them to REMOVE the lock off my credit file and they told me no they were not going to remove the lock off my credit file until they are able to verify my identity which could take XXXX hours which I believe is in violation of my rights to lock my credit file. I have filed a complaint with the FTC as well as filing a complaint with my local senators office regarding this matter.
I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
They have called me & my wife on several occasions and never sent an initial letter stating my right to dispute. I have sent a request for validation that they have received and signed for and have yet to respond to but continue to report to XXXX XXXX which is illegal under 809 ( b ) of the FDCPA.
Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. 

I have tried, over several months, and several complaints, to have it removed, all in vain.
My loan is for 60 months at {$370.00}. The loan term began XX/XX/2014. I have received 7 extensions due to financial difficulties. As of today, and with late payments, I still owe {$10000.00}. There is no way my loan is adding up to the terms. I added in the extra 7 payments for the extensions I took out, and this company has me for an extra four thousand plus dollars! I want to know where it came from. My original sales contract called for {$9200.00} in interest, and Ive already paid {$9400.00}. 23 % Interest!!
On XX/XX/XXXX I called Wells Fargo IRA Customer line and was looking into what was needed to withdraw funds from this account as I was in a situation where I needed the funds as soon as possible. I was told there was a hold on my account and I needed to fill out a CIP form. The rep told me that it would take 2-3 business days, but once I filled out the form and emailed it back to her I should call back to possibly get expedited. I filled out the form and emailed back within three hours. I called the Wells Fargo IRA number back and the rep I spoke to told me that there was no way to expedite and that I needed to wait. Given this was a critical situation I asked to speak with a supervisor to talk to someone with a better understanding. The rep refused to transfer me and told me they would call me back. I still have yet to receive that call. That same day I called my local branch who informed me that there was additional paperwork the initial rep did n't tell me about. So I ended up going in, filling out, and faxing those papers at that branch ( still on Thursday ). I was told at the branch that if I was lucky the documents could be processed on Saturday and to call the Customer service line I had called before. I did this on Saturday XX/XX/XXXX and the rep at that time told me it could take 5-8 business days. At this point I was frustrated at the misinformation from the two reps, but let it slide. I called back on Tuesday XX/XX/XXXX to see if the hold was removed. At this time I was now told that it would take 7-10 business days. My frustration has now reached a tipping point. I keep getting lied to and deceived by this company and nobody seems to give me the same information twice. In a situation that was an emergency this company has continued to give me the run around. I called their complaints department who documented the situation but merely transferred me back to that dept who told me, once again, that a supervisor would call me and that it could take up to 24 hours. Wells Fargo either has inconsistent training or their reps are flat out lying to me and when you are in a situation where you need to know this just does n't cut it.
Nationstar our Lender is denying us a new modification, or Reinstating the Current Mortgage, due to delay in mortgage monthly payments. Our House had Water Damage on XX/XX/XXXX, which the Insurance Co. XXXX XXXX Declined to cover. I contacted Nationstar that same month, and in 2 Registered Letters, I explained in details the situation, and asked for a delay in Mortgage monthly payments for 6-9 months to repair the Ceilings, walls, Insulation, and a new air- conditioning. my Wife lost her job, and my only Income was my XXXX Monthly Income, and XXXX of XXXX for each of my XXXX kids. The Water Damage triggered other Hardships, like borrowing money from Relatives, Medical bills, and repeated repairs to old cars. I lost my Business due to XXXX XXXX and XXXX XXXX, I was given the Current Mortgage, which I was paying on time for 5 years, together with Chapter XXXX Bankruptcy which completed in payments XX/XX/XXXX. According to The Lender 's Loan Overview I Owe {$22000.00} which I ca n't pay to Reinstate the Mortgage, The House has estimated Equity of {$72000.00}, and the Unpaid Principal is {$210000.00}. The solution is simple, Nationstar could add what I owe to the Principal, and adjust my monthly payment, since my wife is working again, or what would be great to deducted from the House equity, and send me the Other {$50000.00} to start a badly need renovation. We ca n't move, because my Wife would lose her job, since it took her 10 years to find a job she likes, Second Renting is expensive, and our Credit Score still shows our Business bankruptcy. The Simple Question is Why These Financial Institutions, decline to help People like me who were Victims of Natural Disasters, When They were helped by The Government??????????
I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX    XXXX   even though I never elected to have overdrafts allowed on my account.     I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded. I have retained legal counsel and will move forward if needed.     account number  XXXX .
I was approved for an FHA loan - 30 year, fixed, 3.5 % interest rate - originally through XXXX XXXX XXXX. Very soon afterwards, my mortgage was sold to Freedom Mortgage. Due to having some health issues, I had to take off some time from work and became late in my payments. During that time, I was generally about a month behind. The company would discuss loan modification with me, but then would generally comment that they would not recommend I do the loan modification and instead I should just try my best to catch up on payments. In the process of trying to get all that settled, I had several things happen which made me about two months behind. Just when I was getting caught up, I was notified that my mortgage was increasing from {$1000.00} to {$1600.00}. When I called about this significant increase, I was told that the company had completed an Escrow Analysis and determined that they were not having me pay enough to meet my property tax  requirements. Initially my payment was broke down as follows : principal {$880.00}, escrow {$150.00}. They said that they had increased my escrow payments to {$510.00}. Additionally, they said that I had a deficit in my escrow and therefore, I would have to pay an additional {$290.00} per month towards that. When I asked why they had not recognized this issue from the get go, they told me that my house was a new development and therefore they did not have the tax information. However, my parents have had a house built in the same area that I live in and their escrow payment for taxes and insurance was assessed properly. I was a first time home buyer, no one explained caught this oversight during closing or any time before I closed. Although I was able to borrow the money to pay the deficit in the escrow, my payment has still increased significantly. I am afraid that I will lose my home. Are there any suggestions on how to address this? I have continued the loan modification process, although, every time I turn around there is something they need that they never said anything about before. I just would like help with guiding me through this process.
My identity was stolen to use to open Barclays XXXX  card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.
Experian 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 XXXX
My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the issue.
This is a complaint about two Bad Actors who purposefully, willfully and knowingly conspired to injure my credit standing under false pretenses. On XX/XX/XXXX I was transported via ambulance ( XXXX ) to a hospital due to a accident. At the time of transport, I was requested to and provided current state identification and medical insurance cards. To date, I have not received a bill nor request any other written notification from XXXX requesting payment for any outstanding debt owed. 

All identification provided contained accurate current contact and mailing information. Despite having accurate information, XXXX employed a rouse to injure my credit score and rating by sending all notices to a General Delivery Post Office address USPS in XXXX, Nevada -- a township where I did not reside, despite having my address. When the mail was returned from General Delivery as undeliverable XXXX then, forwarded it to it's claim Collections debt ( National Business Factor ) -- despite my being completely unaware of any communication. 

Meanwhile, the attorney who was handling the case that originated on XX/XX/XXXX, had contacted any and all creditors regarding payments arising from this incident. However, because of XXXX 's actions he was unaware and therefore unable to contact them. He can testify to this. But XXXX 's actions were purposed to cause a greater harm in collaboration with their partner : National Business Factor, Collections -- they used my social security number to post a negative report to all three credit bureaus. 

I believe their actions evince an unfair debt collection practice and pattern with specific intent to do harm. The only reason I know know of their action is because I happened to be checking credit reports when I was noticed of a 25 point drop. I have the alerts/correspondences from my monitoring. National Business Factor has never ever written, called or communicated with me prior to my contacting them on XX/XX/XXXX. 

National Business Factor claims it can have this removed from the credit agencies swiftly and with just a letter. The agencies state that even if, paid or otherwise cleared, the information will remain on the credit report for 7-10 years. I have been harmed and am aggrieved and thus am seeking a remedy at law and in equity.
I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Disputing : Account : Frost Arnett On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with Frost Arnett who is reporting negative information to my credit profile. In my first dispute, XXXX  and Frost Arnett failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter. 

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX  and Frost Arnett 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to XXXX on XX/XX/2018.
Please close this Collection on my XXXX account I paid this account and she continues to report on my credit as not paying I have already sent a paid account document to the XXXX to remove this account and it remains in my credit Account # 1 {$150.00} Balance XXXX XXXX XXXX XXXX XXXX  Original Creditor {$150.00} High Balance XX/XX/2018 Opened Date XX/XX/2018Last Reported Individual Responsibility Dispute resolved ; reported by grantor Remarks
I was on XXXX XXXX status last year for the XXXX and Navient kept raising my interest and demanding payments after I submitted an XXXX XXXX deferment on the student loan payments. At one point during XXXX XXXX I was under so much stress about the situation that I went to the military 's XXXX XXXX clinic. After I came back from XXXX XXXX, I started dutifully submitting the payments under the military 's student loan repayment plan. It took months of trying to contact them, but I eventually got in contact with someone in their department who is supposedly Navient 's representative to the military and resolved the issue and lowered the interest and corrected the payments. But I still have the documents from them demanding payment and raising interest while I was on XXXX XXXX status. Even though they made the financial corrections, they caused too much stress for me and I believe they did me harm that has to do with a health issue. It took me months of contacting them before we could even begin to resolve the issue.
This is second complaint relating to XXXX XXXX XXXX XXXX and Third Party Attmepting to repossess my car after arrangements were made. The Third Party is continually breaking peace laws. On XX/XX/XXXX, Nissan called me to make a XXXX XXXX payment. I was seeking legal advice. The XXXX was in the garage. I called Texas OCCC, FTC, and CPRB Around XXXX a XXXX Truck parks in front of my yard. From XXXX to XXXX a XXXX truck with dark tint went back and forth. I waived the XXXX truck off stating that the car is in garage. Around XXXX I was fearful that the person in truck will come in my garage. My children age XXXX and XXXX were scared. Around XXXX my daughter puts a stick and chair to the door due to her fear. Around XXXX I called the police due to my children were in fear and couldnt go to sleep. XXXX Police pulled over the XXXX truck after several calls were called in. XXXX pm the XXXX truck is pacing in front of the home with screeching tires. I became fearful. XXXX there was taping at my window. My children were crying. I was afraid to call the Police out. Around XXXX the XXXX truck stop speeding by. Nissan and The Third-Party Recovery Service has violated the following TDCA ACT : On XX/XX/XXXX The XXXX truck rolls up and down the street. Speeding again. Neighbors come out. Around XXXX XXXX The XXXX Truck with a fleet of 3 calls. Someone yells out get a job in my yard. I went outside and they speed off. My XXXX year old and neighbors across the street heard This breaking Consumer Rights Acts. My child and I are afraid. I sent a notice to Nissan to sue due to breaking my rights.
I was offered a short sale from the previous servicer XXXX XXXX  on XX/XX/XXXX in the amount of {$230000.00} The short sale was approved and ready to close by XX/XX/XXXX. 

The servicing of my loan changed to XXXX XXXX XXXX XXXX on XX/XX/XXXX and the new servicer failed to honor the previous servicers approval of a short sale. 

I resubmitted said package to the new servicer Shellpoint Mortgage Servicing on or around XX/XX/XXXX. 

However it appears that the servicer and their counsel were engaging in dual tracking in that while I was submitting documents to be approved for a short sale again by the new servicer Shellpoint, their counsel made an application for judgment and sale on or around XX/XX/XXXX. 

The servicer received judgment and sale on XX/XX/XXXX. I had been sent a notice of sale that my property is scheduled to go on sale on XX/XX/XXXX however at the time the sale date was scheduled I had not received a notice as to whether my new request for a short sale had been accepted or denied or an explanation as to why the previous short sale was not honored before the deadline to close expired. 

I petition the court to stop the sale which was granted and sent the servicer a qualified written request asking why the short sale from the previous servicer was revoked before the timeframe to close expired and also for the NPV analysis used to deny my shortsale in a letter dated XX/XX/XXXX which was sent to my mail on XX/XX/XXXX and received by XX/XX/XXXX.