WillisBack/dataset-financial-user-claim huggingface dataset:
I have been called once from Simons Agency Inc back in XXXX when on my way to a close family members funeral. I told them I was not familiar with this debt and I was out of state and to please send me info on the debt. To date I have received nothing from them. That was my only communication with them till today. I received notification that I had a collection on my credit report and was shocked. I pulled a report and found this collection. I called and spoke with XXXX at XXXX ext XXXX and she told me someone spoke to me while I was at a funeral and I was going to pay them. I honestly had completely forgotten about the conversation with them as it was rough time when I had originally spoken to them and had no other written or verbal communication with them. I told XXXX that I was not familiar with this debt and have received nothing from them at all. Was not notified that this was an attempt to collect a debt nor of any right to dispute the debt or anything. I brought up my rights under the Fair Debt Collection Practices Act under part of the FCRA and how they were in violation of section XXXX. She stated she did not care and was not even going to discuss anything to do with the FCRA and only that I needed to pay my bill. I stated I wanted to discuss having this removed from my credit report while I checked into the account as I have never received anything on this account from them. XXXX stated all they would do is mark it paid with the credit bureau and I needed to pay it by Friday. I stated that I would be filling a complaint with the CFPB and to not contact me until I hear back from them and then ended the call. I received a call with in 5 minutes of ending that call. 

I have no problem paying the bill if I owe it. I feel I have the right to check into the original bill as I have not received any notification on it. In the meantime I do not believe this should be held against my credit. Simons Agency has violated several sections of the Fair Debt Collection Practices Act. I should be felt like I have to pay a bill to have my credit report updated when I do not even know if that bill is mine.
There is an unknown collection listed I do not feel this belongs to me and disputed with no outcome or verification. Please help
Submitted refinancing request with Nationstar Mortgage in XXXX of 2016. They sent documents confirming rate and referred to their appraiser. their appraiser had NO availability until & gt ; 60 days after rate lock. I received NO communication that the rate would be cancelled if the appraisal was not completed and the request submitted within 60 days and in fact they were made aware of the date the appraisal was scheduled from the beginning. I also sent an email asking for confirmation that there would be no problem with a delay in the appraisal until early XXXX which went unanswered by Nation Star but replied to by the appraisal company stating that Nation Star was aware of the situation and it would not be an issue. I was just informed that my request for refinancing has been cancelled because it " timed out. '' but they are happy to begin the process again - at a higher mortgage rate of course because the rates have increased. This is clearly a deliberate method to avoid offering refinancing at the lowest interest rates, especially when they anticipate the interest rates will be rising.
My wife and I submitted an offer on XXXX XXXX XXXX, XXXX, FL, XXXX. We already had financing in place and submitted our pre-approval letter with our offer. However, in order for our offer to even be considered, Caliber Home Loans required that we get pre-approved through them. I was not comfortable with this as I know RESPA strictly forbids mortgage steering even if it is for pre-qualification. We cave to their request because we absolutely love the home and wanted to start our family there. 
It went to a highest and best offer scenario, which the listing agent, XXXX XXXX, contacted my agent on XXXX/XXXX/2015 around XXXX and advised her that Caliber Home Loans accepted our offer, contingent on the change of the closing date, reduce inspection period to 7 days, and they wanted us to use Caliber Home Loans financing. I was again uncomfortable with this " mortgage steering '' activity, but we love the home and did n't want to lose it. Caliber Home Loans interest rate was XXXX % while I was pre-approved at XXXX % with my already secured financing. My realtor sent listing agent a text message advising him that we accepted the changes and he replied stating he would update portals so the bank is aware. 
On XXXX/XXXX/2015 at XXXX, I received an email from XXXX XXXX at Caliber Home Loans stating, " Congratulations! I understand that you have an accepted contract on the XXXX property. I would like to schedule a time to talk with you about next steps. When will you be available to talk? " I did not hear back from XXXX after informing him I was available to speak at anytime. At approximately around XXXX, I was then informed by my realtor that there was a mix up and XXXX Caliber Home Loans representatives were working on the file and XXXX offers were simultaneously accepted and that the bank decided to accept other offer. 
Not only did we lose the home of our dreams, we have received an additional hard credit inquiry on our credit as a result of the listing agent and his client participating in the forbidden act of " mortgage steering. '' If our offer was accepted, we would have instant equity in the home in the area of {$30000.00}. 
Further, Caliber Home Loans fees seem to be relatively high and the least sophisticated consumer would not know any better.
I began the loan modification process in the Spring of XX/XX/XXXX. All paperwork was signed and completed and returned to XXXX XXXX in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at XXXX XXXX. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to XXXX XXXX not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
Xoom advertise is send money to your relatives in less than 5 minutes. I have been using them for a while but recently they have been holding my money for days. My family had an emergency back home and I needed to send money. I went to their system and started the transfer, day 1 passed nothing, day 2 nothing. I called them and they said they were working on the transfer that it could take between 4 to 12 business day. I canceled the transaction. I got a cancellation notice, but they went ahead and withdraw the money from my bank account. I called them asking for the refund and was told it will take between 5 to 10 days before i get my money back. It 's US XXXX plus {$4.00} service fee. After the incident i went on line and start reading on the XXXX  communities and they are lots of complains.
XXXX client, XXXX XXXX is a victim of identity theft. He received a letter from XXXX XXXX   confirming an application was submitted with his information without his consent. This account has been reported to XXXX, XXXX  and XXXX. An official dispute of this inquiry was mailed certified with return recipe tto SYNC/XXXX  however as of this date no reply from XXXX XXXX has been received. This is a violation of the FCRA and my client 's consumer rights.
On XX/XX/XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XX/XX/XXXX. Account was paid directly to XXXX XXXX on XX/XX/XXXX and was advised that a supervisor with XXXX   XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XX/XX/XXXX, I was advised by the collection agency that no information was submitted from XXXX   XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XX/XX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XX/XX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with Transunion. However, Transunion states that collection account was verified as correct reporting as of XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX  XXXX concerning account being paid, at which point I stated that I have proof from XXXX  XXXX that account was paid in full on XX/XX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.
On X/XX/17 Navient received an additional payment of {$50.00} from me. This payment was supposed to go towards the Principle amount and not interest. I followed their instructions and created a separate letter stating that i wanted my {$50.00} to go towards the principle balance. I stated it several times in the letter that they told me to write, they stated that placing it on the memo line of the check will not be sufficient. I look on my account today and see they they put the entire {$50.00} towards the interest, exactly what i specified them not to do. I have two loan consolidation lines and asked them to put {$25.00} towards one principle and {$25.00} towards another principle. I am trying to pay down the balance of my loan so i wo n't be paying it off for the rest of my breathing life. How are they allowed to blatantly ignore instructions they asked payees to do. I know they saw the letter because i placed the check inside the folded letter. I planned to mail {$50.00} every two weeks so it can go towards my principle but I see they do n't even follow their own instructions. Thank you
On XXXX XXXX, 2016, I applied for a refinance mortgage loan with my current mortgage company Branch Banking and Trust Company ( BB & T ). On XXXX XXXX, 2016, BB & T sent me a Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent certified letters to BB & T requesting answers to specific questions related to the BB & T statement of credit denial dated XXXX XXXX, 2016. BB & T has ignored my written request for information about the loan denial. 
The following support documentation is included with my complaint ( 1 ) the BB & T Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016, ( 2 ) my letters to BB & T dated XXXX XXXX, 2016 and ( 3 ) my letters to BB & T dated XXXX XXXX, 2016. It is important to note that my CFPB complaint is my third request for information from BB & T about the loan denial ( my XXXX letters to BB & T referenced about plus this CFPB complaint ).
XXXX is claiming on my Chapter XXXX Bankruptcy for a credit card that stated was charged off on XXXX/XXXX/XXXX and showing the last payment/transaction date of XXXX/XXXX/XXXX. I have not made any payments since at the latest XX/XX/XXXX ( probably XX/XX/XXXX ), so this account 's statue of limitations has ran out and should NOT be included in claims for payment in my Chapter XXXX. This was included in a group of " dead '' debts what were purchased from XXXX XXXX XXXX. I have disputed this debt several times and it had been removed from my credit bureau years ago, and now they have filed for Proof of Claim. I have not received ANY letters from this company in years.
There is a hard Inquiry from XXXX XXXX aka XXXX that is on my reported XXXX told me they would do a soft Inquiry for a credit line increase but they processed a hard Inquiry I contacted them about this they stated they would inform Equifax to remove it it would take 30-60 days that was back in XX/XX/XXXX up until this day it has not been removed and equifax refuses to remove it I will attach documentation and proof There is also another unauthorized Inquiry on my equifax file from XXXX XXXX  aka XXXX that should not be on there I have no account with this creditor
For the last three days in a row, I have received three calls a day, and today there have been two calls so far. All calls have come during hours when I have been at work and unable to take phone call or handle making a payment on my balance due. One of these calls also came late at night, at XXXX XXXX. The calls came from ( XXXX ) XXXX at XXXX, XXXX, and XXXX XX/XX/XXXX. Then from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from the same number at XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX. Then again from same number at XXXX and XXXX XXXX so far today XX/XX/XXXX. The company doing this is XXXX XXXX/Care Credit for my Care Credit account which I started very recently to help pay for a hefty vet bill
I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area.
Experian, XXXX and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted Experian, XXXX and XXXX  to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX Experian, XXXX and XXXX  Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX  ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased Experian Memeber # XXXX and XXXX  's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Stated on Credit Report on XXXX : Collection Company : MIDLAND FUNDING LLC Original Creditor : XXXX XXXX XXXX Balance : {$3800.00} I keep seeing this item on my credit report which is severely hindering my chances of getting anything approved and I have reached out to Midland Funding and the Credit Bureaus - non of which have been able to validate the debt but they sending me letters that I owe this debt. <P/>I do n't even have an account on my credit report from XXXX XXXX XXXX, but yet Midland is collecting on a balance that is not mine. <P/>I 'm desperately requesting that this collection item be proved and removed from my credit report because it does n't belong to me. PLEASE.
mortgage loan XXXX receive a call from my old employment that 21st mortgage was calling to verify employment I know longer work for the company because I was laid off due to no work. We have fallen behind but I currently started a new job on XX/XX/XXXX we will be caught up by the end of XX/XX/XXXX. Due to previous instances with this company they are to notify me via mail. My prior employment was concerned because they call to verify credit and employment. Why would they be verifying credit with my old employer. They have continue to call them that they reach out to me to ask this company to stop calling them. Once again why would a company reach out to an emploer on multiple occasions when they are to notify us vua mail.
I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ALLY FINCL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
I divorced in XXXX, walked away from previous home. In the divorce decree, The ex was suppose refinance home in her name.. The loan of home was in my name ( only ). divorce was final XX/XX/XXXX. XXXX XXXX I was informed that said home had been included in Bankruptcy of XXXX. I had no clue this had happen, but didn't think to much about it, due to the fact I didn't live there an that it was responsibility of ex-wife supposedly!!! Since said time, home is now with second debt collections company, ex never refinanced and debt collections company is using Me as previous owner, collecting money from her to live there and reporting all of this info to credit bureaus, which is illegal I thought because of Bankruptcy law. I've even had conversation about this with debt collections to no avail. I even disputed credit reports with no avail. I have also spoken to different lawyers trying get this matter resolved only to get the run around. What good are laws if debt collections can use Bankruptcy laws against me in this situation, and credit bureau 's seem to side with them.
I 've tried to put a security freeze with Equifax online for the past week. The system tells me it ca n't process my request online and asks me to send in IN THE MAIL the information I have just typed in the form online : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 
For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. Jr., Sr., etc. ), complete address, Social Security number and date of birth. '' I refuse to send such personal information in the mail to Equifax. It just does n't make any sense. I have called their customer service and someone who was not able to help me took down my information and said someone would be calling within 48h. I have not heard from anyone. 
I do n't understand why it was so easy to place a security freeze online with XXXX  and XXXX, and it 's such a hassle with Equifax especially given that it 's their fault we have to deal with all this right now.
Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.
I did n't give permission for this car to be put in my name. I was taken advantage of while having XXXX and being out of my mind on medications and XXXX.
I had a Auto loan with XXXX XXXX XXXX ( Account # XXXX ) open in XX/XX/XXXX. My car was stolen and totaled. My insurance company paid the lien amount and all debt owed. However XXXX still closed the account as a charge off Account. After sending in disputes to Experian the account still shows on my credit report. I wasnt notified of the results within 30 days and the account wasnt removed. Experian couldnt verify any of the information do to the fact XXXX XXXX XXXX is out of business. I called XXXX to attempt to resolve the issue again and their phones are out of service. The two other reporting agencies removed this auto from my credit report.
I have my property in short sale since XX/XX/XXXX PNC Bank National association is the lender of property XXXX XXXX XXXX is the realtor taking care of short sale ( XXXX ) XXXX The buyer is ready to buy even though PNC Bank raised the price two times and the buyer still willing to make the purchase. 
Since the bank has a sale date for XX/XX/XXXX On XX/XX/XXXX I filed an emergency motion to stop the sale with Circuit Court. 
Judge 's clerk scheduled me to appear in court on XX/XX/XXXX at XXXX On XX/XX/XXXX XXXX XXXX, XXXX represented PNC Bank in front of Judge XXXX XXXX XXXX from court room XXXX. XXXX XXXX explained me that PNC continue working with my case and currently it was being reviewed for Loss Mitigation. ( See copy attached ( XXXX ) Today XX/XX/XXXX I was working ( I am full time worker ) and my son send me an email ( XXXX XXXX asking me to call him " it is an emergency '' he stated. 
When I called him back he said that a man who identified himself as XXXX was drilling the locks of my basement because PNC Bank order him to do it. 
My son informed XXXX that I XXXX XXXX XXXX was still living in the property and having a short sale going on. XXXX said that he was only following PNC Bank orders and the most he can do is to come back tomorrow XX/XX/XXXX in the morning to change my house locks and perform on eviction which includes to bring a crew of men who are going to empty the house and damp all my belongings and valuables. 
I have never received a notice of vacating the property. 
I do not understand was going on please help me. 
The realtor 's attorney, who is conducting the short sale provided me with a list of actions he has been taking in a monthly basis towards the short sale. ( See attachment ( XXXX ) Please contact me or my housing counselor XXXX XXXX from XXXX XXXX XXXX XXXX ( A not for profit organization ) Home owner : XXXX XXXX XXXX XXXX XXXX Foreclosure Prevention housing counselor : XXXX XXXX ( XXXX ) XXXX