WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage for an investment property was with  XXXX   XXXX . We recently had some financial difficulties because my wife was on   XXXX   XXXX    XXXX  and I ended up having to have emergency   XXXX    XXXX , as well as the fact that work needed to be done on one of the units and it meant that we were not paid for sufficient rent for almost 3 months.      XXXX   XXXX  sold our mortgage to Shellpoint Mortgage. We made arrangements to send them a payment which they promptly sent back. When i called to find out what was wrong ( thinking I had put the wrong account number, etc .... on it  )  I was told that the amount paid was not enough and they would need at least 3 months of payments from us before they would accept  one  dime for us. I repeated what I had heard. I am trying to pay what money I do have to bring us closer to being up to speed ( which I intend to be but just ca n't right now  ),  and I was told that it did n't matter if I sent them money - they would not accept it. They wanted the equivalent of 3 months of payment or they would send our close into foreclosure. When I asked to speak with a manager I was given the same line. I tried to explain the extenuating circumstances and was told they did n't care. I have money to send them. Not as much as they would like but I have money to send them. Every month they do n't take my moneyt they want yet another month 's payment to bring my account current. I am stuck in a catch 22.     I am not in a situation where I can do a short sale. I have plenty of equity, but I ca n't get up to speed because Shellpoint wo n't take any of my payments - therefore putting me farther and farther behind.     Do I have no recourse in this situation?     Thank you,
I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


Experian : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Inquiries XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  : Unauthorized Inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Contacted by Professional Claims Bureau , Inc. several times in an attempt to collect {$3700.00} for a medical bill at a hospital that I did not visit.
When I started school I was as not fully informed of my loans. It was not explained to me through XXXX. I received my XXXX in XXXX and now owe over {$67000.00} that when I signed up for school was under the assumption that I would owe {$30000.00}, Not twice that and most of it is interest. Lasr year I signed up for an income based repayment plan and I have {$0.00} payment a month from that. I will not pay what I do n't feel I owe because I was cheated out of being fully informed. I have tried to get an audit from the department of education, filed a police statement for being stolen from by XXXX. I have tried to call the school numerous times and have not had a solid answer. I would not mind paying my {$30000.00} for my loans but I will not be cheated out of another {$30000.00} for a degree I can not even use in my state that I was also not aware of.
XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have disputed  XXXX  with   XXXX   several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX   continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe  XXXX  is trying to re age the debt.
Capital Ones campaign of discrimination against me because I am XXXX continues. The company offers a feature that allows you to change the image on your card. I first submitted the XXXX  colors and was denied because they said it was a flag, though I purposefully made sure there was no flag border. When they rejected it, I filed a CFPB complaint. The woman who handled that complaint at Capital One had no idea what she was talking about, saying it needed to be licensed from the XXXX company. There is no XXXX company, we are simply a community that uses a set of colors for pride, but she was too ignorant to understand this. Now I have uploaded a picture of the White House in rainbow colors and even though this is not a flag in any way, they rejected it again. Clearly, this is for no other reason than they do not want their cards to have anything to do with the XXXX community, even though they happily take the money of their XXXX customers, because the image does not seem to violate any of the other image requirements. The hate and discrimination towards the XXXX community by Capital One is astounding. How they can reject an image just because it shows pride for the XXXX community, or any group, is beyond me. Clearly they dont want any support for the XXXX community on their card because of the hate they harbor towards the community.
I have had serious fraudulent issues with Wells Fargo through the years, and it appears that they have arisen again, using another Shadow Company,  Collection Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, to put a {$39000.00} collection on all of my credit reports as of yesterday, XX/XX/XXXX. I just completed paying off over {$32000.00} in a home equity line of credit loan. 

Years ago, I attempted my own small business called XXXX XXXX XXXX XXXX XXXX. I had accounts with Wells Fargo - both personal and business. While living in XXXX XXXX, XXXX, I open a business credit card, but never used it. After moving to XXXX, XXXX in XXXX I opened up a home equity business line of credit. While going to auctions, and places to purchase commercial kitchen equipment at a discount, I was also renting commercial kitchen space until getting my own property to have my commercial kitchen, I took money from the line of credit to pay for much costs at a rate under 7 %. I was doing this on-line. Many months later, I discovered that Wells Fargo was debiting cash outs from my business credit card at huge interest ( over 40 % ) and I would have NEVER done this. So, I immediately went to my personal banker at Wells Fargo to report this. She looked shocked, and went to talk to her manager. She came back and said that nobody could prove that it wasn't me that had made those cash deductions from my business credit card, so my only option was to get a small business loan at around 7 % interest. She directed me to a bank officer ( or manager ) who supposedly specialized in helping small businesses get these loans. He told me that I needed a business plan - so, within months, and with his guidance, I had a business plan to submit along with my small business loan application. Then, a man, who introduced himself as XXXX, said that the previous man would no longer be working with me, and I was an embarrassment to him - he was not kind, and was harassing. 
I should have gotten a lawyer at that point, but was confounded. With the ballooned out interest rate, the bank was claiming that I owed an outrageous amount of money ( over {$100000.00} ), and I had already gone through all of my retirement money ( over {$80000.00} ), over {$150000.00} from my own and personal help in making monthly payments. Finally, I got a lawyer who told me that Wells Fargo was very crooked and they have underhandedly ruined many people 's finances ( including mine ). 

So, he helped me in many ways. He also told me that Wells Fargo would sell this loan money to " Shadow Companies '' - and it appears that this Collection Agency from XXXX XXXX is just that. 

I thought it against the law for this supposed " loan collection '' to be passed around beyond four years. Please inform me on how to get this collection that went away from the credit bureau reports for at least a couple of years now, and just yesterday, XX/XX/XXXX, this collection agency is stating {$39000.00} as a balance owed.
I suffered an injury in my XXXX which prevent me from continuing working i exausted my saving travelling to get my back fix abd able to continue working but it was too late. After 6 months of payment they wpunt let me pay no less than XXXX payments which was atound XXXX XXXX I did not have that kinda money. So i kept on falling behind ... i tried loan modification but they say they cant work with me. No matter how much money inwas getting from diferent jobs that i was able tonaquire..i was able to increase my income after my XXXX  injury got better. Please help me
I have attempted to life the freeze on my credit file with Experian for 5 days ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have been unsuccessful. 

I placed the freeze in XX/XX/XXXX and paid {$10.00} over the phone with my credit card, and was informed I would receive a PIN in the mail to manage the freeze. I never received the PIN. 

Between XX/XX/XXXX and XX/XX/XXXX I attempted to remove the credit freeze online and by phone using the automated system, but these Experian systems failed. 

On XX/XX/XXXX the financial consultant at XXXX XXXX attempted to remove the credit freeze, but received an online message from Experian that this was not possible. 

On XX/XX/XXXX I mailed overnight my request to remove the freeze along with identifying documents. This process takes 10-15 business days. 

On XX/XX/XXXX I called Experian customer service. There is no way to speak with a live person regarding credit freezes, so I called the membership service division. I waited on hold for approximately 45 minutes to speak with a representative who was kind enough to try to remove the freeze, but even he was unsuccessful. There is no other way to remove the freeze except to wait 10-15 business days for my mailed request to be processed or to try to call again tomorrow. 

Despite the car dealership doing their best to accommodate, they are unable to secure a loan for me at the 0.9 % interest rate special offer if the freeze is not lifted before XX/XX/XXXX.
XXXX several occasion I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting XXXX XXXX XXXX credit cards, XXXX XXXX XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. On XXXX/XXXX/15 I tried to dispute the XXXX XXXX XXXX credit accounts on my credit report with Experian, and Experian said that I could not dispute the items because they are paid. So if the items are paid why are they being reported as deragatory or negative item and why I am not allow to dispute these items. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item. I have receive letters from XXXX Bank XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. XXXX is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit report.
Last week I began receiving collections calls from Nationstar Mortgage concerning this month 's payment which was due on the XXXX the month, but was now the XXXX the month ( a week and half after the XXXX ). After that first call I went to their secure website, logged in and sent them an email advising them not to either call my work or cell phone in accordance with the Fair Debt Collections and Practices Act of 1974. The next day and each proceeding day after that I kept receiving collection calls from Nationstar Mortgage. I went back to retrieve that email that I had sent them and it had been deleted by Nationstar. 
The second time Nationstar called I advised them that my wife and I were advised by our Real Estate Agent not to make this month 's payment in that this may cause some difficulty somewhere in the selling process. I also advised them that I would provide Nationstar with documents showing that our house is being sold. Nationstar still kept calling and sending emails. They refused to either work with me or believe my story. 
In short, Nationstar violated the Fair Debt Collections and Practices Act of 1974 and based on that I am filing a complaint.
About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.
I am making this complaint for my  XXXX   year old  mother. My mother entered into a reverse mortgage with  Wells Fargo. I  do not know the exact date becau se Wells Fargo has yet to approve my Power of Attorney documents. My mother 's home had been paid off for years. Wells Fargo tal ked her into a reverse mortgage. The terms were she could stay in her home till she died then her heirs would have the chance to purchase her home. On   XX/XX/XXXX , m y mother received documents saying a collections agency was going to start foreclosure proceedings because my mother no longer lived there. My mother has always lived there. I have gone back and forth with  Wells Fargo try ing to resolve this matter. I have submitted documents on several occasions a nd Wells Fargo rejects them. Wells  Fargo has asked me to complete enclosures which were never enclosed with their letters. I have repeatedly asked them to provide an occupancy letter for my mother to sign which she just received on  XX/XX/XXXX . This letter was dated  XXXX .  Wells Fargo has  drug its feet in terms of getting this matter resolved and there has been no reason for it. I respectfully want others and the State of California to know ho w Wells Fargo conducts business. As long as this process has drug out, in what is a time sensitive matter, it is almost as if Wells Fargo d oes not want to get the situation resolved so they can kick my  XXXX   year old mother out of her home so they can take possession. I feel consumers have the right to know about Wells Fargo 's poor , poor, unethical business practices.
I have a new hard credit inquiry, that I did not authorize on Equifax. It for   XXXX   XXXX  , which is something I would never want. Awhile ago I applied to prequalify for a credit card but never gave anyone permission to run this inquiry.
I canceled a transaction with Paypal and they did n't fully cancel the transaction. On XXXX XXXX I sent money to my wife using Paypal and canceled the transaction within 5 minutes. Paypal did n't cancel the withdrawal from my bank account. They allowed the money to be withdrawn from the bank and deposited the money into Paypal. A cancelled transaction should go back to the original state with the funds remaining in the bank not at Paypal. This is wrong and cost me XXXX dollars in overdraft fees! The transaction ID is XXXX.
We used Fairway Independent Mortgage Corp. ( Fairway ) to purchase our home through their VA program as I am a XXXX Veteran. During the process of signing the mortgage paperwork, I asked our loan originator ( the person helping us with the application and our contact through out the entire process ) if we could make Bi-Monthly payments and for more than what the payment was ( additional principal ) to pay down our Mortgage. She told us yes we could and it could be set up online. I also asked her if our Mortgage would be sold, she advised us that although we were signing documents stating that it may be sold, that in fact no it wouldn't be sold. Less than 30 day after closing, before the XXXX payment was due, we were notified via phone by XXXX XXXX   that they had purchased our loan. As of this date ( XX/XX/18 ) we have not received ANY written or verbal correspondence from Fairway, as required by law that they have sold our Mortgage to XXXX XXXX  XXXX ( XXXX ). When attempting to set up Bi-Weekly payments and additional principal payments, XXXX XXXX advised me that they did not offer those options and that they would not apply additional principal payments until the next full payment was received, that funds would be held in a separate account. This option was very important to us and we were told that it was available to us, in addition, to have a re-amortization of our Mortgage, XXXX all charge us {$350.00}, there was no fee for this with Fairway. We did not agree to these terms and are forced to accept them due to the sale of our Mortgage. We feel that we were not treated fairly and lied to about this and it has affected the way that we wanted to pay our Mortgage and investment in our home.
XXXX, ACTION : XX/XX/2016 This letter is regarding an account, which you claim I owe {$730.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are
The person in the name of XXXX XXXX said he was from XXXX called and advised they are trying to serve me papers at work. Then I asked what for and he refused to give me information about the debt. Then he told me they were going to serve me with papers at work. I told him to stop calling my boss and they said they can call whoever they want. My boss told me she was getting HR involved. I could lose my job over something that is unsubstantiated. Plus, they are giving out my personal information which is in violation of the privacy act. 
Their phone number is XXXX and his name is XXXX XXXX. He is very nasty and threatens me a lot.