WillisBack/dataset-financial-user-claim huggingface dataset:
I received a message from XXXX XXXX XXXX ( XXXX ) and a woman named XXXX told me that i may have a pending civil judgement being filed against me and to contact XXXX for details. The number is a firm named Renew Financial. They never answer and the times i have gotten thru the only person answering phones is named XXXX. Wanted my birth date and verified last XXXX of social and claimed I owed a bill to XXXX for XXXX dollars and supposed debt is XXXX yrs. old. Their address is XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Ca XXXX, but this is a mailbox etc, place and they will not verify. When i questioned XXXX at Renew, he said this is where they get their mail. Their website is renewfinancialfirm.net and it was created through Homestead and is a hoaxy looking site. Very poor representation if they are a valid company. I have worked very hard on my credit and need to know if this is valid because I have never had an account with XXXX and there are posts that say they are a scam and i am concerned with them stealing identity. They would not provide proof of debt and would not verify in any form that they are a valid debt collection company.
7 years ago I started re-fi with my mortgage company. 5 years later and XXXX refinances that they constantly squelched, they sold my loan to another bank when we were at the end of the XXXX modification and it was a paper away from being finalized. The new bank than attached an additional {$84000.00} to my loan. XXXX offered me 2 % for 30 years, XXXX bank 2 % for 5 years. Totally XXXX on this one. Of course during the 5 years XXXX XXXX would not let me make a payment.
XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.
XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company
In early XX/XX/XXXX, a bank statement from Huntington Bank was forwarded to our new address in New Jersey. The Account No. is shown on the attached copy of the statement. We never opened this account. When I called the bank in early XX/XX/XXXX, they said it was opened by someone with a telephone number that is neither mine or my wife 's. The statement claims we have {$9.00} in a savings account. The statement activity is supposed to be from XX/XX/18 to XX/XX/XXXX. In addition, the account was opened in Ohio. Neither my wife nor I have ever been in Ohio. The person I spoke to said the complaint was being transferred to " the investigative team. '' We have not heard back in several weeks and I called again today. 

The person I spoke to said there was no record in their system of my original call. She took the information again and agreed with me that this seems like fraud. When I asked why there was no record of my original call, she said she didn't know. When I asked what was going to happen to the information I provided, she said it was being transferred to " the investigative team. '' We are concerned that someone may be opening an account in my name without my authorization.
TransUnion stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested TransUnion submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Transunion has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to TransUnion and TransUnion states it was verified by XXXX XXXX. TransUnion is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.
The issue is with my 2nd Mortgage for {$45000.00}, I took it out back in XXXX with XXXX XXXX Diversified Mortgage Services, acquired in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 

The Lien with XXXX was never Discharged and Released by the Servicing Lender. 

XXXX sold the Mortgage to Specialized Loan Servicing ( SLS ) the same day of the closing, but nothing was ever filed at that time, even though they become the servicing lender throughout the years. 

I was granted a Discharge Notice ; XXXX/XXXX/XXXX which was sent to SLS thru the filing of my bankruptcy. 

Recently this year, I reached out to XXXX and they said that they no longer owned this mortgage and that I must go back to who serviced the loan. I remember I made payments to SLS. So, I did a little research thru MERS and found the MIN and looked it up, it was active under SLS. I reached out to SLS several times, but the persons I made contact with passed it on internally and would not give me any answers or info to who I should be speaking with about solving this. They just ignore my emails and its impossible to get anyone on the phone to call me back.Not communicating leads me to believe this is a great big mess and that no one wants to deal with it!

To recap ; the only 2nd Mortgage Lien was originally filed against my property by XXXX XXXX in XXXX, later they got acquired by XXXX in XXXX. Keep in mind, the 2nd mortgage was sold off to SLS by the day of the closing in XXXX, but never filed at the county court house back then. SLS became the servicing lender between XXXX and XXXX. At that point the mortgage was discharged and SLS did receive notice. Under MERS it is active with SLS, but the Lien with XXXX is still on record and not discharged. I would think maybe the Title Insurance Company ; XXXX XXXX would play a role in this as well, but I am not getting anywhere with anyone. 

This house is all I have even though its underwater. It provides a decent roof over my head, while I care for my elderly father and raise my XXXX children. I need some real help here.
This company refuses to send me documentation of the debt they say I owe. They said it 's against their policy and they are not allowed to send me anything in the mail or by email. I 've asked multiple times and was told my credit card company should 've did that prior to giving my debt to their company. They also are threatening to send someone to my house or work to give me a packet, yet nobody comes. They also said that by not paying I 'm committing fraud and it 's being reported as such. I attempted to make payments and set up payment arrangements and they said they wo n't take less than XXXX a month and hung up on me when I said I ca n't afford that much in a month. They refuse to work with me. I want documentation on my debt and I am unable to get them to send me anything. They call multiple family members in and out of state, even after talking to me and knowing my address and phone number. They tell my family I have a lawsuit against me and they hang up on my family once they are asked to not call again. They continue to call my family even after speaking to me on the phone. If I am unable to answer the phone I immediately get another call, within the same minute of the previous call. They imply that something bad will happen if I do n't pay them and that I am committing fraud, their words, and it will be reported and treated as such. This company also does n't verify my information before disclosing any info. They do n't say, this is an attempt to collect a debt and any information will be used for that purpose. I could be anyone on the phone and they disclose everything.
I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. TransUnion literally told me that I can not have a 1 letter last name. TransUnion would no longer help me any further. XXXX  can not find anything except when entering my middle name of XXXX   as my last name. What they did find are two older accounts that were closed over 10 years ago. XXXX   did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX XXXX XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.
XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.
Midwest Recovery Systems LLC added a collections amount of {$120.00} to my XXXX credit report on XX/XX/2018. ( No other reporting agency ). However, written notification about debt and notice of right to dispute was never received. Midwest Recovery Systems LLC placed negative item on my credit report without notifying me, which is a clear violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Midwest Recovery Systems LLC to remove incorrect information off my credit report. More importantly, Midwest Recovery Systems LLC are in violation of the FACTA section 623 ( A ) ( 7 ).
this company put a account on my credit report, I never heard of them, I never received anything in writing from them. Just put on my credit report. I Called them to advised them been in past I was fraud victim and I never had a XXXX account at all. 
They told me to pay the bill or they would keep calling me about this call all day long and hung up on me
I have no knowledge of any debt that I would owe. I noticed this collection on my credit report from Gold Key Credit INC. I tried to call them to find out about why is this on my report, as far as I know I had no {$400.00} medical debt. I waited on the phone for someone to answer then all the sudden the phone disconnected. If the debt is mine, I have no problem paying it. I just want to verify that it is mine and they wont even answer the phone so I can learn more about this debt. the XXXX is the one listed on the site.
a fraudulant card belonging to GAP XXXX is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed
They are reporting showing an Inquiry, that I is not authorized, nor have permissible purpose, nor have written authorization for the following inquiry. 

XXXX card XX/XX/2018
Our mother owned a house in XXXX. She XXXX last year from XXXX XXXX XXXX and we are now trying to sell her home. Prior to her XXXX, she transferred title to her home to my sister and me through a XXXX XXXX Deed. 

She owned less than $ XXXX in assets and as we are the only heirs, there is no need to do a probate. 

A probate is expensive and is not required in this case because she didn't own anything. Just the house. Which she transferred to us. 

There is a mortgage on the house and we have been paying it monthly since our Mother 's XXXX. 

However, Ditech will not give us any information on the account. We are the legal heirs and legal owners of the property - and DiTech will not give us a payoff, or tell us the monthly amount to pay. We are trying to do the right thing and they won't speak to us at all. We even called after Hurricane Irma and they wouldn't give us any information on how much the monthly payment should be or if we should defer payments due to financial hardship after the Hurricane. 

We are trying to sell the house and we have sent to DiTech our Mother 's XXXX  Certificate, the XXXX XXXX Deed which transfers title to our names, and our authorization to release the payoff to our Attorney 's office. 

Ditech is saying that we are not authorized to get any information on our mother 's account. We own the house. We are her only children. And they will not give us access to our mother 's account. 

It is legally unnecessary to do a probate on our Mother 's estate - and is a financial burden to us. 

And yet, Ditech still refuses to review their regulations - they see a " one size fits all '' approach and don't realize there are individual circumstances. 

Our mother 's estate does not require a probate. We own the house. We are trying to pay them as per the Note our Mother signed - and they are not giving us the payoff information. 

They are preventing us from selling the house, providing clear title to the buyer, and paying the money due to them. 

This is obstruction. This is cruelty. This is business at it's worst. 

XXXX size does not fit all, Ditech. And someone in your organization should have a brain to figure out how to provide a payoff so that it doesn't cause your customers and their family members undue financial burdens or undue stress.
I have been continually harassed by XXXX XXXX XXXX for years over alleged medical debt XXXX XXXX XXXX ( XXXX ). They called my work many times while I worked in a XXXX workplace and were requested to stop. 

Several times they called to confirm I worked there and then hung up on me. Calling and hanging up on someone and not identifying your self is in violation of the Fair Credit Reporting Act. 

I requested from them numerous times of evidence that I had an agreement or contract for the alleged medical debt. The only evidence they had was an invoice but no contract or legal agreement. 

On XX/XX/2017 I paid {$2100.00} to XXXX XXXX XXXX for said medical debt. Please see the attached document showing I have paid the alleged debt. I checked my credit report on that date and today and the collection still exists.
I called XXXX XXXX XXXX on XX/XX/XXXX. I was informed that I still owe XXXX after my payment of XXXX on XX/XX/XXXX. During XXXX I experienced some financial problems and XXXX XXXX XXXX allowed me to differ 4 monthly payments and stated that those 4 payments would be added on to the end of the term. However, through my conversation with two different supervisors, I was told that there are additional charges even after I have paid the 72 month term. My first monthly bill was on XXXX XXXX and should have ended on XXXX XXXX. Considering my 4 differed payments, my last payment should be XXXX XXXX. The supervisors stated the additional fee's are principal of XXXX. During my conversations with the associates that allowed me to differ the payments, the additional fee's and charges was never mentioned, other than the payments being added to the end of the term. I spoke to XXXX employee #XXXX on XX/XX/XXXX. I asked for her manager, she stated one would call within 24-48 hours and I have not received a call. I faxed a complaint letter to Customer care on XX/XX/XXXX. I called again on XX/XX/XXXX after receiving a past due text to my cell phone. I should not be liable for charges I was not made aware of.
SETERUS has charged me {$10.00} for their mistake. My payment is due the XXXX of every month. I sent in my XX/XX/XXXX payment with the monthly coupon to SETERUS that they received and allocated to principal only on XX/XX/XXXX when the payment of {$540.00} was supposed to be allocated to monthly payment of principal and interest as was indicated on the coupon. They called me about XX/XX/XXXX saying I was late with my payment! I told the representative that it was sent in and she found where the payment had been miss allocated to principal instead of the monthly payment. She vowed to correct the error but failed to tell me it was going to cost me {$10.00} for their mistake! This not the first time I have had difficulty with SETERUS. They even lost a {$2000.00} payment I made on the principal which was not corrected until I found the cancelled check and sent that to them. They have changed their payment coupon so that there is NO space to allocate additional funds for the principal only. I have made several additional principal payments plus the normal monthly payment that arrived at their office prior to the first of each month due date and they allocated the entire amount to principal and called me asking when I was going to make my monthly payment when in fact they had {$2000.00} additional principal plus the monthly payment of {$540.00} in their account from me.
I am currently enrolled in a 12 month " rate reduction plan '' with Navient. I had started this payment plan in XX/XX/XXXX. The 12 month plan has not ended yet, as of XX/XX/XXXX my AUTOMATIC PAYMENT was NOT processed and now Navient has sent a notice of late payment and has advised that a late fee will be issued. I have raised this issue with Attorney General XXXX Office. Navient must take responsibility for their injustice actions once again. This showcases their harmful practices! My loans and account are always being mishandled which forces me to take action at every turn! This needs to be RESOLVED IMMEDIATELY! I can not afford for them to INCORRECTLY REPORT ME TO THE CREDIT BUREAU AGAIN!
Chase auto financing has written off my auto loan which is negatively effecting my family and I from obtaining a home loan because this is on my credit report! The car is with chase and is being sold so for them to put it on my credit report as a charge off is fraud and completely unjust! The car had been stolen since purchase and was just found on XXXX 2017 at a dealership in XXXX Michigan
I recently got a title loan in XX/XX/XXXX for {$2500.00} so that I could get school clothes, shoes, and supplies for my XXXX children. I had all required paperwork and documents except for a smog check. It took me about a week or two to pass smog and I had to buy and replace parts to do so. At this time Im pretty crunched for time being that my kids were starting school that next Monday. So I called XXXX with my final documentation to get the process going. The same day I signed all agreements, not really getting a chance to read over anything because XXXX office was closing. After receiving my loan, a representative called me while at work to inform me of my monthly payment amount which is {$400.00} every month and the daily charges. I then asked if I could get a lower monthly payment because Im a single parent of XXXX kids and the representative very bluntly refused and told me that Id already signed an agreement. To make a long story short, none of the representatives ever explained or went over any of the terms and conditions with me at all which I feel is not right at all. This has caused me a great deal of financial hardship. On top of that XXXX had my vehicle towed in XXXX because I did miss XXXX payments but I also called to inform them of losing my job prior to this happening. When I called, the representatives were very rude to me and only cared about the payments even though I notified them of not having any income. I apologize for any inconvenience and thanks in advance. I have already paid triple the amount that Ive borrowed.
My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks
Received a call from Gate stone and asked to verify my information. Didn't give me any details why I needed to verify my info so I wouldn't. They threatened me repeatedly yet I still wouldn't verify without information. I'm afraid they have personal details on me that could negatively affect my life but they will not give me any detail.
I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? 

Thank you so much,
I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. 

The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " XXXX XXXX ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company. 

During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. 

Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. All of these accounts have been disputed, closed and removed from my credit reports. 

I have also attached the FTC affidavit of identity theft to this complaint.
the accident occurred XX/XX/2018 @ XXXX XXXX the representative called from XXXX Toyota financial services several times to my home trying to collect a past due payment of XXXX for a lease vehicle I have financed with them. The representative called my home several times harassing until the cleaning company the cleans my home answered the phone and at that point my cleaning maid stated the representative was very aggressive asking for information she could not answer concerning our personal finances and a timeframe for payment collection ; this violated our privacy rights and has really caused my wife and I to have server XXXX and embarrassment since this has happened we have made the payment it was just an slip of mind and filed a complaint and have not heard from anyone we want someone to hear about this to protect other families from this heartful client experience.