WillisBack/dataset-financial-user-claim huggingface dataset:
I filed, bankruptcy last XXXX XXXX to stop foreclosure on our, home for years we had tried to work with XXXX XXXX XXXX and got no help. Then we got an new lender Shellpoint got the same services no help, when you called you get all these reps who do n't speak XXXX and give wrong advice.So as years went on illness, divorce, and loss of business, and still no help from lender, when I filed bankruptcy I had no idea that the lender would work out a deal with the Trustee ( XXXX XXXX ) instead of working with the homeowner. The Trustee have not meet the contract agreement to sale the property by XXXX XXXX But the lender is still working with them. On XXXX XXXX XXXX the trustee went to court asking for the stay relief to be granted to give him rights to sell the entire house due to no equity is in the house. So it was granted and my mother 's bankruptcy was dismissed giving her power to control the sale of her home. Leaving our family to become homeless so trustee and his realtor will make a profit. Shellpoint has  failed to help my family. If you look on page 7 the Trustee admits that the lender is not willing to do a loan modification. But instead is willing to do ( XXXX XXXX ) I  hope this lender will never get a chance to do another family as they have done mines. Along with this complaint I have attached documents to support my complaint.
I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me.
I have received a letter from LTD attempting to collect a debt that is over 7 years old and past the statute of limitations thus violating the Fair Credit Reporting Act. The original Creditor was XXXX XXXX XXXX XXXX who I have successfully disputed from XXXX of the XXXX credit bureaus.
According to my credit report, I have a paid account opened under Central Financial Control. This account was paid and is listed as, " PAID COLLECTION '', but says it will not be removed until XX/XX/2020. This account was paid and needs to be removed completely from my credit report. The collection agency has failed to remove this paid account and it is negatively impacting my credit.
Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.
An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called XXXX XXXX " XXXX XXXX, XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with Experian whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with Experian and should have had access to any and all information concerning me. XXXX XXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.
I called XXXX XXXX in XXXX XXXX, XXXX and spoke with a representative about my payment not being made due to someone making authorized transactions with my bank account. The representative informed me, that he would keep a close eye on my account and refund all late charges if I made a payment on XXXX XXXX, XXXX. I agreed, however, on XXXX XXXX, XXXX, as I started to make the payment, I was informed my account had several late charges to it. Every time I mentioned the representative I conversed with on XXXX XXXX, XXXX, I was placed on hold, transferred, and the call disconnected. I finally spoke to XXXX, on XXXX XXXX, XXXX who was very rude from the beginning. I mentioned the representative I conversed with on XXXX XXXX, XXXX to XXXX, and she told she has not record of this conversation. I inquired if she could give me the information of the last representative and to speak with her supervisor. XXXX informed me at first she does n't show that information, until I questioned it for her to change her story to they are not allowed to give out that information and it will be hold time to speak with a supervisor. I tried to explain that I being charged late fees and having monthly interest that seem to be unfair to the customer however, it seems I could not get any type of assistance from XXXX or Comenity Bank.
XXXX   XXXX , I requested verification of debt and two late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCP A 807 [ 15 USC 1962e ] this i s a violation
I am a XXXX. I have been harassed for literally years by loan collectors. I have been in school, continuously, for the past several years, and I am in deferment on my student loans. I have received a threatening message, yet again, claiming my loans will go into deferment. I have filled out multiple forms with every loan provider I have ever had, with the proper documentation, showing that I am supposed to be in deferment. I have done this at least four times in the past six months with hard copy forms, and several more electronically and via email. I have paper records, and electronic records of such communications. AGAIN, I AM IN XXXX, AND HAVE BEEN CONTINUOUSLY, WITHOUT PAUSE, XXXX, FOR THE PAST SEVERAL YEARS. I AM REGISTERED FOR CLASSES XXXX. 

I 'm extremely tired of being threatened and very tired of filling out forms for deferments, only to have another threatening collection letter sent to me a month later. I am a XXXX, and after my health insurance is taken out of my paycheck, I make just under {$800.00} every two weeks, ten months a year. I XXXX each semester, and take classes as a student myself. I 'd really like to not do this for the entire time I 'm working XXXX. I also can barely afford to live as is, please stop threatening to garnish my wages and seize money from me, etc.
I have contacted Seterus numerous times about them wrongfully adding an escrow account to my mortgage account, and adding hazard insurance when I actually had homeowners insurance. I faxed proof of insurance to them in XXXX 2015 and XXXX 2015. I spoke to an agent today, XXXX/XXXX/15, who informed me the number I faxed proof of insurance to was incorrect. I used the number provided in the letter saying " send your insurance information to '' the number I sent it to!! She says she does not know where that number came from, and I told her it was on the letter from SETERUS. I have paid multiple payments to satisfy their allegations of my account being delinquent ; however, they take my payments and put them in a suspense account instead. They say they are charging me for insurance, so my payment has increased from the original agreed amount, {$290.00}, to {$410.00}. This company is in the wrong, they are unethical, they are thieves! I am in complete disbelief at how Seterus is still operating!!!!
XXXX XXXX has reported negative information to XXXX credit reporting agency. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt  collector if collection efforts are successful.
AMERICAN EXPRESS ACCOUNT # XXXX ADDRESS IDENTIFICATION # XXXX American Express has used illegal tactics by continuing to write-down small amounts to assure recent activity continues to keep debt current, when the account goes back MORE THAN SEVEN YEARS. ALL XXXX REPORTING SERVICES ARE IMPACTED.
I sent multiple good will letters and disputed the items with the bureau and no one would help me. I called multiple times on different occasions and I still have received no help. Normally there are extremely long wait times when calling to speak with a representative and sometimes the representative doesnt want to hear you out fully and i dont agree with this process. Im very upset that I still havent gotten this issue resolved.
contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.
EXPERIAN HAS BEEN AWARE OF MY DISPUTE FOR 60 DAYS NOW. THEY HAVE REMOVED A XXXX XXXX INQUIRY FROM MY CREDIT REPORT AND REINSERTED THE INQUIRY ON A LATER REPORT. THEY DID NOT NOTIFY ME OF THIS INFORMATION THAT THEY WERE GOING TO DELETE THIS AND RE INSERT THE INFORMATION AT A LATER TIME. THEY HAVE ALSO RECIEVED DOCUMENTS FROM A COLLECTION COMPANY RELEASING ME FROM THE ACCOUNT THIS COLLECTION AGENCY IS XXXX XXXX COLLECTIONS. I HAVE CONTACTED THE CREDITOR DIRECTLY AND GOT A LETTER IN RESPONSE STATING THEY ARE CLOSING THE ACCOUNT BUT EXPERIAN FAILS TO REMOVE IT FROM MY CREDIT REPORT. THIS COMPANY ALSO FAILS TO REMOVE NAMES THAT I AM NOT KNOWN BY XXXX XXXX NEEDS TO BE REMOVED, THE ONLY NAME ON MY REPORT SHOULD BE XXXX XXXX XXXX. I HAVE SENT SEVERAL LETTERS ON THIS ISSUE AS WELL..
I have submitted multiple letters to TransUnion requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX ).  Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from TransUnion providing the proper validation of the debt.
On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.
My husband and I have a XXXX mortgage with Specialized Loan Services out of XXXX Colorado. My husband had a business issue and had to file a chapter XXXX, but did not charge off this debt and has repeatly requested a reaffirmation, from the attorney and from himself. We understand that is option, however, I did not file and BK and I am the co partner on this loan. We have continued to make payments and all payments are current. They refuse to give me a statement, the have issues every month applying the payment in the right place and they will not respond to my request for a statement. So we understand, this is a clear violation of the new laws/rules, that they have no reason, not to provide me with a statement and apply the payment correctly and we do not understand, why they will not provide a reaffirmation agreement, but since we can never reach anyone, this has been difficult as well.
DEMAND FOR DELETION OF MEDICAL DEBTS ON VARIOUS CREDIT REPORTS!!! 

As I have attached a mandate to all pertinent credit bureaus, XXXX, XXXX and XXXX XXXX respectively, the attached complaint is backed by legal statue of the Federal Trade Commission and the Consumer Financial Protection Bureau. The most destructive items that can take a person out of the credit business is medical debt. That problem has been growing for the past two decades. Collection agencies have been abusing consumer 's rights under the Fair Debt Collection Practices Act for many years. Now we consumers have a chance to redeem ourselves. The medical area has now a new mandate that must be adhered to strictly. The criteria for this mandate is as follows : 1 ) A medical supplier, if owed for services rendered must submit to the consumer 's medical insurer. If there is an issue over payment, the medical issuer can not submit a fee invoice to any collection agency for a period of six months after the initial 30-day invoice period. 
2 ) If the insurance does not pay the claim, or if the claim was partially paid, the medical issuer can submit the non-payment balance to a medical collection company. However, this collection agency must give a 180-day notice that if the matter is not resolved or settled within that 180-day timeline, then they can place the collection on any pertinent credit bureau, i.e. XXXX, XXXX and XXXX XXXX respectively. 
3 ) In essence, American consumers now have approximately 210 days from service to payment before the medical industry can go back into the destructive mode they have used for years. Non adherence to these rules, no matter what medical collection agency are now subject to serious fines and/or sanctions for the violation of this Federal Trade Commission mandate. All credit bureaus have agreed to abide by the Federal Trade Commission/Consumer Financial Protection Bureau mandate. 
Accordingly, I demand the attached medical collection agency remove all aspects of a collection against me with all credit reporting agencies, mail to me a demand letter for payment or an offer of settlement. I will go back to my insurance carrier for an immediate review of all claims, and if the claim can not be 100 % satisfied by said insurer, then I will make the necessary payment arrangements in full or upon any agreed upon settlement. 

The credit reporting item nonetheless must be removed immediately and a new timeline 180-day count must begin on the date a demand letter is mailed to me at my residence.
I attended  XXXX  from  XXXX  and I took out a private and federal loan to attend. This loan is very expensive and wont be paid off for decades.. the main issue I have is that the school is no longer active and I 'm paying for a degree that has no meaning or credibility.  Schools  will not Transfer my credits. My main concern is I do n't even feel like putting  XXXX  on my resume is benefiting me in anyway. Can I please get help and get this loan dischasrged!!! I 'm not even mad about the money, I 'm more made at the fact my degree means nothing and I wasted years!!!
PayPal Credit keeps using my credit report and credit score from XXXX XXXX, 2016, instead of XXXX XXXX, 2016, XXXX. PayPal refused to secure this recent credit report which reflects a credit score of XXXX with no negatives except credit inquiries. My XXXX Credit File is very good. There were items that did not belong in XXXX, 2016, and has now been deleted and corrected. 
PayPal refuses to secure my most recent credit report. Also employees of PayPal have lied on XXXX stating that XXXX keeps sending in XXXX 2016, when PayPal Credit has not even contacted XXXX for a updated report. 
This is very unfair to me and does not allow me to extend my credit at the point of sale. My history with PayPal Credit is excellent. I never pay interest because I have always paid out my account within 30 days of purchase. 
I do not have " a serous delinquency in your credit file. '' I do not have " high on bank revolving or other revolving accounts in your credit file '' I do not have " the amount past due on accounts in your credit file is too high '' I do not have a credit score XXXX I do not have " serious delinquency. '' I do not have " Porportions of balances to credit limits is too high on bank revolving ... '' I do not have Amount past due on accounts '' There is a problem here that needs to be addressed.
I owe XXXX School of XXXX XXXX {$2700.00}. The collection agency, Partners Financial Services Inc. of XXXX, they have chosen to partner with is charging me {$2300.00} ( almost XXXX ) simply for it being in collections. They have clearly stated that the charge is 0 % interest. I have been a student since I left XXXX School and could n't pay them the amount due. I was never notified that I was going to be charged such a large amount or that it was going into collections. I believe Partners Financial Services Inc. is charging me for the amount XXXX owes them for collections and is putting it in my account. I do not feel as though I owe Partners Financial Services Inc {$2300.00}. This collections agency is charging me unreasonably and unfairly.
I purchased an American Express Secure Pay Gift Card with a balance of {$500.00} initially. I used it only a couple times when I first purchased it and then did n't use it again until almost 2 months later. When I tried using the card it was declined as having insufficient funds even though I had only used {$100.00} so there should be {$400.00} remaining balance. After checking the transaction history online I noticed that within the span of 4 days someone had emptied the card at multiple locations ( XXXX, XXXX, XXXX, XXXX ). This happened even though I still had the physical card. I called American Express to report the fraudulent activity and try to receive a refund of my stolen balance. They told me that the card could only be used in person if the user had the original physical card. This is clearly not the case and either their database of giftcards was hacked at some point and they deny any responsibility or someone randomly created a duplicate of my card with the correct card number and security code ( not likely ). American Express would take no responsibility and told me to contact each retailer where the card was used and try and receive a refund from each of them.
I have spoken to and reviewed my credit report and the reasons for a denial from XXXX XXXX ( letter attached ) are listed. 
Either the information is being reported incorrectly or XXXX XXXX is not reviewing the correct file. 
I applied for a XXXX XXXX credit card through XXXX XXXX and was declined. 
I have spoken to them on 3 different occasions only to be told that this is what the credit bureau is reporting to us. 
I have a current account with XXXX XXXX that I have has since 2014 which has been give XXXX credit line increases over the years and my payments have Always been on time. 
I have no past due accounts and approx XXXX revolving current credit accounts all CURRENT.
I purchased a bed from XXXX XXXX & it was finances with XXXX XXXX. The bed did not work out & was returned on XX/XX/2018, and I was told that the loan would be cancelled and my money returned. I called the bank on XX/XX/2018 and was informed a check would be sent out in 5 to7 days. The check did not show up in that time frame, so I called the bank again on XX/XX/2018 and was told that I should receive my check by XX/XX/2018. As of XX/XX/2018 no check. I called the bank on XX/XX/2018 & was told they had record of my previous call but no record of me requesting a refund check. Again I was told they would expedite my check & I should see it in 7 to 10 days.
XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that this case is part of case # XXXX 1.I encountered terrible financial hardship back in XXXX. 
2. I applied for a loan modification for my home wich was financed with Wells Fargo. 
3. I wrote wells Fargo mortgage company requesting that they assess my XXXX mortgage loan to fair market value which appraised at XXXX. 
4. Wells Fargo initially verbally agreed to do it as per the VA loan counselor XXXX. 
5. For unknown reasons, Wells Fargo changed their mind about the adjustment. 
6. I got legal counsel and obtained a lawyer in XXXX XXXX NJ XXXX XXXX. He advised me to file for bankruptcy and included the home at XXXX XXXX XXXX XXXX. 
7. I filed for bankruptcy in XXXX and it was discharged in XXXX. 
8. I recently applied for a VA loan but was denied because wells Fargo reported that they foreclosed on the above listed house in XXXX. 
9. Wells Fargo reported to the VA that they gave me a deed in lieu of foreclosure. 
10. Because of the unscrupulous acts and reporting from Wells Fargo, the VA has reported a debt on my COE. 
11. Wells Fargo mortgage has a long history of consumer abuse.
they charged my savings account a withdrawal limit fee of {$60.00} for the month, no where in my contract or opening of my savings account was i told verbally or written that this would happen. I have never been charged this fee, I filed a previous complaint several days ago because they also charged me a $ XXXX monthly fee to my checking account again previously never being charged a monthly and never been told that I would be verbally or written this whole time Ive had my accounts
To Whom It May Concern, THIS IS MY FINAL ATTEMPT TO GET A RESOLUTION BEFORE LITIGATION IS PURSUED in Federal Court. XXXX XXXX   XXXX, XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX, XXXX. I have ftiled a complaint with the XXXX   and CFPB ( last case # XXXX ). My XXXX   complaint was closed when Portfolio Recovery said they would cease collection efforts, unfortunately that was not the case. I filed a complaint with the CFPB and Portfolio responded and included personal documents of someone else ( I have attached what Portfolio provided, I am sure Mr. XXXX would not be pleased Portfolio provided me with his personal information ). I have requested documentation in accordance with the FCRA, but XXXX XXXX XXXX, XXXX refuses to comply. XXXX XXXX  XXXX, XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX, XXXX understands the importance of properly investigating my concern. This has caused a great financial and credit burden on my family. XXXX XXXX XXXX, XXXX stated they would cease collection efforts yet still report an debt not mines to all my credit bureaus. They claim to have never received correspondence from me which is false. Furthermore Portfolio is not even licensed to collect in my state. I will continue to document my efforts to get this issue resolved and seek litigation if I need to. 

Portfolio is in violation of the following : XXXX Not validating this debt yet continuing to pursue collection activity. 
* Not validating this debt and continuing to report to the credit bureaus. 
XXXX Pursuing collection on a debt without being licensed to collect in my state. 

I am protected under FDCPA Section 809 ( b ) & demand ( 1 ) all collection efforts cease, ( 2 ) removal of this debt from all 3 credit bureaus, ( 3 ) {$1000.00} fine for each of the above violations ( totaling {$2000.00} ) Please do not merely think you can provide me with bills like you have provided for Mr. XXXX, I am aware of my rights. I am not willing to play back and forth games and will pursue damages to the extent of the law. I have documented all of my efforts & have saved all of Portfolio 's responses, which include someone else 's documents. I expect a resolution within 3 days. I have emailed countless times directly to Portfolio Recovery & have gotten the run around or simply been ignored! Portfolio Recovery 's disregard of my complaint and negligence in providing another person 's documentation is very unsettling & I do not trust my concern is being properly looked into. 

Regards, XXXX XXXX