WillisBack/dataset-financial-user-claim huggingface dataset:
it's the same unscrupulous debt collectors based in Georgia, Critical Resolution Mediation. I'm receiving threatening phone calls about a debt I don't owe. They always use the same fake name XXXX XXXX to identify themself. I do not owe the debt they are trying to collect. I have told them so repeatedly, I have requested they send documentation to support I owe this debt by mail and nothing. I want this harassment to stop immediately.
Ditech financial is committing the following violations : 1. Dual tracking. They are pursuing foreclosure sale while still evaluating me for a loan modification. 

2. Ditech has failed to provide me with the written calculations how they have determined my Gross income. 

3. They falsely stated my loan was originated after XXXX XXXX, 2009 with XXXX and listed that as a reason for denying the loan modification. 

4. I have had a change in my circumstances. My income has increased substantially. 

5. They have failed to evaluate me for a modification based on my new income. 

6. They have failed to make any contact with me.
I received a two party check with my name and Colorado Housing and Finance Authority after a hail claim. I signed the check and mailed to CHFA per their request. They are stating I as the homeowner can not perform any necessary repairs myself. I have a licensed roofer doing the roof, to be completed by XX/XX/XXXX and they have not seen a dime from CHFA. I would like to perform the smaller tasks such as paint, pressure wash deck and fence, etc and the mortgage company is stating it has to be done 100 % by a general contractor. Also, theyre holding the check until all work is complete. Is this okay for them to hold the check?
I am a victim of transunions injury issue.   I have :  XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  These hard inquiries were already off my credit and now they are back on. Please fix this issue, thanks.
Convergent Outsourcing listed a debt collection on my report for an amount of {$320.00} for a XXXX bill. On XX/XX/XXXX, I wrote them requesting a debt validation letter for this bill which they say I owe. They sent back an itemized bill which IS NOT validating that debt. On XX/XX/XXXX, it is notated that they received my certified letter but still could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when I searched Illinois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP.
trying to collect a debt that XXXX or XXXX not be mine that is past the state of SC 3 year statue of limitations and reporting negative information to XXXX XXXX.
I had auto withdrawal set up for my account when i moved i was not informed that my last month would not be automatically withdrawn. I received a called from the collection company saying i owed one month. I informed that had to be incorrect and called the apartment complex. I then called the collector back and informed i had no knowledge that i owed and would pay for delete the agent agreed and even faxed a statement over informing this. I paid and they will not delete off my credit report.
I used my XXXX XXXX XXXX credit card, issued by Chase, with no foreign exchange fee, for a purchase in XXXX XXXX. The exchange rate used by Chase, provided by XXXX, was incorrect, causing me to overpay by US {$380.00}. The transaction posted on XXXX XXXX, 2016. Chase has twice refused to help because it is an exchange rate dispute. XXXX XXXX has also refused to acknowledge their error. 

For the date in question ( XXXX XXXX, 2016 ), here are the various conversion rates from XXXX XXXX XXXX XXXX XXXX to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see above, XXXX rate is substantially higher than those of its competitor XXXX as well as the various benchmarks. 

I have also done further research and found that, for the 4-day period from XXXX XXXX to XXXX, XXXX exchange rates from XXXX to XXXX deviated significantly from the rates for mastercard and the other benchmarks. In addition, for the same 4-day period, XXXX exchange rates had the same issue from XXXX to XXXX, as well as from XXXX to XXXX Dollar XXXX I have attached charts for the exchange rate for all benchmarks ( XXXX, XXXX, and XXXX ) for XXXX XXXX to XXXX for those XXXX currency conversions from XXXX to XXXX, XXXX, and XXXX. ( I did not check other currencies but assume there was a similar issue. )
This was a joint account. That judge ordered me to surrender the vehicle to my ex wife and have nothing else to do with it. Ordered her to refinance and hold me harmless of debt. I have notified Exeter financial of this and despite it they still come after me for the debt. Using unfair tactics such as reporting false dates of account closure or not reporting a date at all. The account was closed on XX/XX/XXXX and on my co applicant report is shows correct date. On my report is shows XXXX of XXXX they are reporting XXXX balance and I have logged into my account and balance there is XXXX. On my XXXX report it is not showing a closing date and also shows first date of serious delinquency XX/XX/XXXX. This is causing my report to reflect 90 days late 25times. I have disputed the information with all 3 bureaus but Exeter continues to certify that there information is accurate. They also make a point to change payment status on different dates or add or remove comments on the account at least once a month. These are all unfair and harassing tactics that they are focusing on me when I was ordered by a judge to surrender vehicle and have nothing further to do with the car my ex wife or any financial accounts that were tied to her. With a restraining order in place I didnt dare go against him and as a result she surrendered the vehicle without my knowledge and then Im stuck with the debt and the harassment from Exeter.
I have a debt for services received from XXXX XXXX here in XXXX. Debt amount is {$2000.00}. I had been going back and forth with the hospital and my insurance company and why more was not covered. The hospital insured me my account would not be sent to collection while we figured out the problem. I checked my Credit report the other day and I have an outstanding debt with XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for the amount above. It shows the account was opened XXXX XXXX, 2017. 

I have not been contacted by this debt collector phone or mail to tell me this was turned over to them. This has drastically hurt my credit score and am very upset I was not notified by either party, Hospital or debt collection agency. 

I do not have any Documentation from either the Hospital since the dispute with insurance began or from the Collection Agency at all.
The Equifax data breach onXX/XX/2017 has compromised my personal information. 

Per Equifax site regarding data breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
I am filing a complaint against Seterus Inc . In XXXX of XXXX I applied for a refinance on two properties. XXXX held one of the mortgages. I called XXXX on the first week of XXXX to request all of the information on my loan. I was told it would take 8 business days. After four business days my lender asked if we could try and get it sooner so that we could close. I contacted Seterus again and they told me to go on their website and retrieve the documents I needed. After several failed attempts, I called Seterus back and they were not able to tell me why I was not able to retrieve it. I was also told that the person that took the first request for the information did not put it in the system, so it would be another 8 business days before I could get it. I contacted my lender and she told me that was unacceptable and they should have given me the information. Together, we did a conference call and asked for a supervisor. The supervisor then assured us we would receive it in 3 business days. That did not happen so we had to do another conference call. We asked for a supervisor again, the man that was placed on the phone was very rude to the lender and myself. He became very irritated and asked if he was being recorded, my lender replied she was on a recorded line so he denied anything further to say if he was going to be recorded. My lender then hung up from the call, so I asked him for my information. He could not tell me the information I was requesting which was how my payments are broken down to taxes, principal, insurance, etc. Seterus has had my loan since XXXX, I have paid them more than the payment asked for every month thinking it would be paying down my loan. It was a thirty year fixed and since they have had it, my monthly payment amount has gone up 4 to 5 times. This company needs to be investigated they lie to you everytime you call to get any information. Everything that I have been put through due to them could have cost me my loan and my interest rate. The other refi I did with another bank gave me my information in one week and returned my XX/XX/XXXX payment in full. Seterus did not return my XXXX payment and they prolonged my funding. This is not acceptable as this company should be held accountable for the stress they have put me through. Companies that treat their clients like this should not be allowed to operate. I know that there are hundreds of people like me that Seterus has treated unfair and like myself put me in a stressful situation. Seterus should have given me my information in a timely manner and should have been professional about it. I never was late or missed a payment. I would like my XXXX payment and any other money that they owe me returned. I can not stress enough how this company should not be allowed to operate in the manner that they have. They need to be stopped and investigated and not allowed to hurt any other consumers.Please investigate this company I could have closed sooner and saved money and time.
They are charging me late fees on a zero balance. 
I tried to pay off the balance but XXXX XXXX hanged up the phone call.
I checked my XXXX XXXX account today, luckily. It now shows a derogatory mark on both my XXXX and XXXX reports. Supposedly this is for a {$700.00} debt owed originally to " XXXX XXXX XXXX '' that is in collections from " Midwest Recovery Systems. '' I have never even heard of XXXX XXXX XXXX. After researching online, it appears to be a payday loan company. I have never received any mail, any calls, anything from XXXX XXXX XXXX. I do not need and do not take out payday loans. Additionally, I have never received any mail, calls, statements, etc. from Midwest Recovery Systems. This is not my debt and I am furious it is showing up on my credit reports as I am saving for my first home. This has caused a HUGE drop in my credit score. I have filed disputes with both XXXX and XXXX. It is not showing up yet on XXXX. Please assist. My husband and I have worked very hard to build credit, save for a home, etc. and this is jeopardizing everything we have worked for.
I 've called Transunion interactive department and annual credit report and explained to XXXX them that I 'm not able to access my Transunion report online each year and have to have copy mailed. I want to view my report online as I do with the other XXXX credit bureaus XXXX XXXX. I 'm able to view these credit reports online, but not Transunion and nobody has been able to help with this issue!
A man was outside of our house taking pictures saying that we are late on our mortgage. I have paid an extra {$500.00} the past 2 months and am on automatic payments. O the atomated system they are saying we are behind over {$3000.00} yet my statements show that we owe the correct amount for the month of XX/XX/2017 and the payments have come out of my checking account. Online through DiTech it says that funds were reallocated on XX/XX/2017 and on XX/XX/2017 yet there is no explanation of why. It also says we are 55 days late. What is going on? Please help - it is a Saturday and DiTech is closed - I am sick to my stomach and have proof of payments and extra payments. Also our principal balance has increased over {$3000.00}, there is a " statement '' from XX/XX/XXXX which I can not download but says we owe {$3400.00} as of XX/XX/2017 and on the same statement it says our last payment was on XX/XX/2017 obviously this is not right. Please help.
On XX/XX/XXXX i received a letter from my second mortgage company, XXXX, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from REAL TIME SOLUTIONS that XXXX   ( formerly XXXX ) had transferred the right to collect payments from me to REAL TIME SOLUTIONS ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known XXXX  in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit.

On XX/XX/XXXX i received another letter from Real Time Solutions that XXXX  told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) XXXX did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that XXXX did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ...

any assistance will be greatly appreciated!!!
I 've had both the amount and the due date of my student loan arbitrarily changed. No prior notice was given that the amount nor due date would be changed. I was simply notified that I was ALREADY 45 days late! 

Previous notices tell me I owe {$270.00} on XXXX XXXX, 2016, but then mail notices in XXXX 2016 tell me I am 45 days late on the amount of {$1200.00}! 

Since the amount and due dates keep changing **without explanation*** I therefor need, first & foremost, to have communications in writing so I can have documentation of what arbitrary changes are made WITHOUT prior notification. 

I have emailed Heartland / ECSI and they replied that they canceled the the inquiry because : " To safeguard your account specific information, security measures do not allow ECSI to respond to your question/inquiry via e-mail. However, we will be more than happy to help you through our Live Chat portal or via telephone at XXXX. '' That safeguards THEM from me getting proof in writing of what they said! It does NOT protect ME! 

I need : 1 ) email communication so I can document their harmful & arbitrary changes to my account. 
2 ) I also need explanation as to what they heck they are doing & why they keep changing the amount due & the due date. 
3 ) I also need to know how they are calculating my interest & when it is due. 

Thank you for your help, XXXX XXXX XXXXXXXXXXXX
Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
In XXXX 2016, my mortgage company, Benchmark, did not pay my homeowners insurance premium to XXXX XXXX XXXX from my escrow account. No one contacted me about the lack of payment, I just happened to notice that on my insurance app my policy was listed as " cancelled ''. When I called to figure out why my policy was cancelled, I spoke to XXXX representatives from the mortgage and insurance company and they said the situation was resolved. 
In XXXX 2016, my policy was still listed as cancelled. When I called, apparently the situation had not been resolved and my policy was cancelled.. Again, I got representatives on the phone who got in a XXXX way phone call with me to resolve any and all issues so that my policy could be reinstated. I payed {$450.00} in order for this to occur as a penalty. I also learned that my homeowner policy was cancelled for the last 6 weeks as a result of lack of payment. I was promised follow-up calls from each company in 10 working days to verify the situation had been resolved. 
XXXX 2016 - Still no payment had been made. Neither representative called to verify payment as set up previously. Spent a week on the phone with each company, and as off today XXXX/XXXX/16, no payment has been received. I am having to make the payment myself so the policy is not cancelled a second time.
Dear Sir/Mam. 

I have noticed a Fraudulent utility account on two of my credit Burues XXXX  and XXXX. This account is  coming from XXXX XXXX, which later I found out that they sold this Debt to a collection agency called Transworld Systems Inc. I have Filed a police report with local and federal law enforcement, including the FTC. US. District attorney 's office, I also mailed these Police reports over to all three national credit Burues. I recently received a letter in the mail from XXXX that stated even with a police report and my FTC report that I have submitted as Fraudulent activity to them on my report, they stated they will not remove this item even if I have a police report. The company and collection agency are in clear violation of my rights. I also called Transworld Systems Inc. And all they did was over talk me and kept saying " so how would you like to pay this Debt '' the agent did not care if I was calling about a fraud claim and according to the law I have rights regarding disputing fraudulent activity. Unfortunately I was never able to get my concerns heard all they cared about was money that I Do not owe. In this situation I also recorded the phone call and date and time of call with the agent, if later I need it for evidence. 

In closing I have submitted federal FTC Documents to all three bureaus along with a police report, in addition I also had an issue with this copay a while back for the same item I am now redisputing yet again, it was removed from my report from XXXX XXXX after I filed a claim, in fact I do have older credit reports showing that this item has been deleted, then it was sold to Transworld Systems Inc. And it is back on my reports again. So thus time I called the police and filed paper work so I will stop being harassed and having this fraudulent account on my reports. After I reported this item to the credit Burues with police reports, then I immediately received a letter in the mail for payment on the account which is in Dispute, clearly another violation of the law was broken because Disputed accounts can't be asked to be paid while their in Dispute. 

My rights are being violated as a consumer, and I did as I was told to do and that was to file a police report and I also filed an FTC report claiming the fraudulent account. 

In closing I'm reporting both XXXX and Transworld Systems Inc. These companies clearly did not follow the law. Next I'm going to report this to the US attorneys office fraud and protection department.
I have already filed a complaint against Navy Federal for the amount of the loan balance they put on my credit report. This complaint is for the how they said they would set up a payment plan with me and instead repossessed my car a week later after I did exactly what they asked and stayed in contact with them. I was not told my car would be repossessed and was under the impression they were going to help me.
Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.
Optimum outcomes inc robicalled at XXXX on XX/XX/2018. When going through the prompts the voicemail for the number transferred to is full, they have called numerous times Day and night all robocalls with no way to contact anyone.