WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, My wife and I were contacted separately about a Payday Loan from XXXX XXXX. The POC name is XXXX XXXX, XXXX, ext XXXX. The loan amount is {$1100.00}. Here is what he said to my wife. 

wo of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on XX/XX/2018 at XXXX XXXX and XXXX XXXX PST. The first call was to my wife 's cell phone and the second on my cell phone. The voice mail stated : XXXX ( my name ) my name is XXXX XXXX calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation s department. My phone number is XXXX ext XXXX.
It took almost 10 years to be able to enter the rehabilitation program since NYS Higher Education Services would not agree to a reasonable monthly " good faith '' payment in addition to the 15 % of my salary they were already garnishing even after the rule were changed a couple of years ago. They would also periodically sell my loan to other companies such as XXXX who also would n't offer a reasonable payment. When I offered a affordable figure they denied it again even after providing my financials AGAIN so I threatened legal action as it benefits them to keep a loan in garnishment. They make THOUSANDS in fees and not one penny is paid toward the principal. I have been paying this loan for 20 years ... yes 20 years and most of what I have paid has not been applied to the garnishment. ( The loan is now MUCH MORE than it was when it began 20 yrs ago ) This finally made them agree to the monthly amount I suggested and they advised in 5 months of payments they would end the garnishment. So 5 payments were made and on XX/XX/XXXX I was told papers would be sent to my employer advising them to stop the garnishment. 4 phone calls,3 customer service people and a supervisor and it took 6 weeks to actually get that letter faxed. The letter was then dated on the day it was sent ( XX/XX/XXXX ) instead of dated XX/XX/XXXX like it should have been. The garnishment was never stopped and now I ca n't get an answer to when they will repay the {$800.00} or so dollars that was garnished and should n't have been. They are not in compliance with the program. NYS HESC is possibly the worst lender to deal with. I 'm not sure how any of this is legal and why the government allows students to be XXXX this way. This loan will indeed outlive me. I am currently waiting to see exactly how long the reimbursement will take. It 's a bad joke really ... how many NYS HESC employees does it take to fax a letter??? ... answer:4. Yes, 4 people needed to be involved in printing and faxing a letter. 
We are expected to jump through all their hoops and comply with the program or we get kicked out and continue to live with decimated credit scores while they sit back and collect fees.
I am filing a complaint against  XXXX   Dept of Education , because they had reported and continue to report that I have two late/miss payments for  XXXX   XXXX  on all  XXXX  loan accounts, this is incorrect because I was in school at University of  XXXX  during this time with in school deferment up until  XXXX   XXXX , after that I was approve for deferments  XXXX  &  XXXX  and currently have an Unemployment deferment for  XXXX . I have been in deferment since I started school in  XXXX .
I have three cards open with XXXX XXXX and I've asked before to not be called Monday- Friday between XXXX since I am at work. They continue to call multiple times through out the months during these hours and when I keep asking for them to stop and respect the time frame I give them I'm told they will make a note of it. Today alone I have received five phone calls from them and have not answered any of them due to being at work. I've asked before for them to call me back after XXXX Eastern time zone and they still do not relay this information to other associates there and keep calling me! 

As well when I have had the chance to answer the phone on the off chance they call again when I am able to respond they do not tell me where they are calling from at first and say I need to pay. Its slightly difficult to know which card they are referring when they do not say who they are calling from. This has happened since XXXX of 2018 where they no longer tell me who they are when I ask who Is calling they ignore me asking and say will you be paying this today. Its very rude.
This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.
SPS is in violation of CA Homeowner Bill of Rights and RESPA guidelines. 
At issue is a short sale request that SPS confirmed receipt on XX/XX/18. CA Homeowner Bill of Rights and RESPA both require lenders and servicers to help homeowners avoid foreclosure. SPS is refusing to open short sale request due a foreclosure sale date that is scheduled on XX/XX/18 which is over a month away from when the short sale request was received by SPS. This is unacceptable and an invalid denial reason. 

By denying the right for homeowner to do a short sale SPS is in fact denying the legal requirements of CA HBOR to help homeowners avoid foreclosure. The argument that there is not enough time to review for a short sale is a false argument. SPS can order their values and have that values in house within 5 days. At that time if the offer is within the range of their values then they know they have a fair offer. If not they are required to counter the buyer and give that buyer the opportunity to increase their offer to meet requested amount. 

Not adhering to the law will lead to statutory damages allowed for in CA HBOR & RESPA not limited to {$50000.00} plus attorney fees.
Chase XXXX is fraudulently reporting on my credit reports in the amount of {$750.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
On XXXX 2016, Chase Mortgage placed my home in Foreclosure. 
Chase demanded I pay {$11000.00}. XXXX to have my home rescinded from Foreclosure status and stop all foreclosure activity. 

In XXXX 2016, I overnighted a Chase Bank cashiers check for the full amount of {$11000.00}. As of XXXX XXXX, 2016, I have not received a recorded rescinded document. I do n't know if my home is still in foreclosure or if it was rescinded. Chase Mortgage did cash my cashiers check, but never mailed me a copy of the recorded rescinded document. 

I am worried because I do not know how the foreclosure on my property stands as of XXXX XXXX, 2016. Chase Mortgage has failed to communicate if they are continuing with the foreclosure.
My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Concord Resolutions claims I owe on a payday loan from 2012. I never in my life took out a payday loan and they are calling my cell, which I blocked and signed up for the do not call registry. Also, now they are contacting place of business. They do not stop, and somehow know my last XXXX of my SS #, my address, the last XXXX of my old bank account #, and went as far as saying my sisters name. They have never sent me anything in the mail regarding a debt even when I asked them to. I also told them to email me, which they have my email address somehow as well, but have never emailed me a thing.
I have previously sent letters requesting verification of debt to Collection Bureau of For XXXX XXXX for two accounts and XXXX XXXX XXXX immediately after noticing the collections on my credit report. They have sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Equifax with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Equifax send me the documentation that was sent that convinced them to verify the debt. Equifax responded by telling me that they could not and to speak with the company directly, which I have done for multiple years now. XXXX and XXXX was unable to verify the collection so it was immediately removed. However, Equifax refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.
Debt collector is consistently calling on private cell phone. Did mail request to discontinue calls and they continue, at my expense.
I called the office to verify why a courier was being sent to my home. Their office informed me that I owed XXXX companies in their office money and that if I didnt pay they would get a judgment against me and get more money than I owe. I let them know that I am XXXX and that I was waiting for a hearing the early part of next year to get an income in so I could pay them but they stated that my refusal to pay now will cost me.they told me to borrow the money and pay them now.
I deposit cash to ATM and atm was broken and no reciept to money bank refuse to investigate and return. 
XXXX stole my money
Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. 

Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in XXXX.
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.
XXXX XXXX sent notices of pending foreclosure to an unknown address that has since been discovered. 
Caliber home Loan and XXXX XXXX sent legal notices to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When my then legal address was my home that was illegally foreclosed upon XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
WE have found all your Special delivery mailing to the above address my searching the neighborhood for past 2 years. 
I was not legal notified therefore, no amount of time can be claimed to negate this illegal and wrongful foreclosure. 
XXXX XXXX made a loan with XXXX on XXXX and my name was on a registered and recorded Quit Claim Deed XX/XX/XXXX. 
So Caliber you need to work with XXXX and return my home back to me as it still sits empty since XX/XX/XXXX. If you thouht you had clear Title, the home would have been sold. But since I AM LEGALLY IN TITLE THe home Can't be sold.. Want to negotiate?
I was enrolled in XXXX college here in XXXX texas i started XX/XX/2016 and it was a 2 year program but i found out the school closed on XX/XX/2016 and shortly after they filed for bankruptcy. i was told by UAS ( University accounting service ) that i was still responsible for the private loan that they paid out to the school on my behalf. Im in the process of getting my government loans forgiven through the dept of education, im just waiting on their response but this private loan is such a nightmare i didnt even get to benefit from the money they paid to XXXX i was barely beginning my schooling. If there is anything that could be done id be so appreciative. After the school closed i found out i was XXXX and this school loan has been weighing heavily on me i dont want my credit ruined for a loan i didnt use and can not repay. This private loan place is where career point said they have a contract with and always use them and career point did all the paperwork and i just signed. The private loan is about XXXX and through UAS there number is XXXX. Website is XXXX. I really hope you can help me. Thank you
I received a call from ( XXXX ) XXXX on XX/XX/18 at XXXX then again on XX/XX/18 at XXXX. I pick up the phone and it is an automated message telling me they are calling from something Revenue LLC and are attempting to collect a debt. They give me this number to call them back. The first time I did not answer and they did not leave a voicemail.
I have filed disputes with equifax in XXXX and XXXX, to no avail has any of my information been corrected. My credit file has actually almost completely disappeared, I 've went from 56 trade lines down to 5 trade lines which has hurt my credit standing, caused me to get higher interest rates and/or denied credit. 
I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/XXXX but, I am unable to check to see the results of this dispute due to there system not recognizing me because of the inaccurate information they have. Equifax is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. 

Equifax are states they used NexisLexis to validate two public records, A Bankruptcy, and a Tax Lien which reports on my credit report inaccurately, but when I contact XXXX XXXX am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Equifax is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
I have student loans with Navient. I am a XXXX, so obviously I do n't make much money. I tried to go on the website and lower my payments ( I have never missed a single one in 10 years ). The information to repay based on income was so convoluted and it appeared like any option to refinance would result in sever penalties later. I then tried to fill out paperwork to defer my loan for one year for some relief and the link for the downloadable pdf I needed never worked ( I tried several times over a couple of weeks ). I did n't bother calling them because I have heard such horror stories about dealing with Navient customer service over the phone.
Portfolio Recovery calls every day and never leave a messages they hold the phone for the duration of the time allotted on my recording device leaving messages of silence. This has gone on for years. I have deleted the call logs because I am seeking employment and need the phone space for job interview messages. I did save the following dates : XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXXXX/XX/XXXX @ XXXX XX/XX/2018 @ XXXX XX/XX/2018 @ XXXX
Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.
I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.
I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.
Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from XXXX ( XXXX  ) and capital one, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.
Experian in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Experian that the mortgage was never in default. Experiancustomer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.
I filed a chapter XXXX bankruptcy XXXX XXXX ( It 's been more than 10 yrs ) I filed a chapter XXXX dismissed XXXX XXXX ( more than 8 yrs ) Equifax refuses to take it of my credit report. 

See documents attached, Thanks much
XXXX 2016, we submitted a loan application and the required docs and received a Pre-Approval letter by Insight Loans so we placed a contract on a home based on the amount of the Pre-Approval. 

Awaiting closing, we packed up our entire household items, informed our landlord that we were moving out so he arranged showings on the house, and many other time consuming and/or costly changes. A few days before closing, we had n't received any updates except a few text messages stating that underwriting was very busy but rest assured everything will be fine. Closing day came and went without any return calls/emails that we made as well as requests from our realtor and the seller 's realtor. We also emailed XXXX XXXX ( lender ), to no avail. 

A day after expected close date, we were asked for an extension from Insight. The sellers did not give us an extension because they were very frustrated and had already moved out ( expecting to close ) and paying XXXX mortgages. We never received an update from Insight Loans that day and the home was put back on the market. 

Later that week, we were informed that the Senior Underwriter did n't approve our loan! We were in shock! NOTHING had changed on our end - everything remained the same. The final excuse we received as to why our loan was declined was because the Loan Officer calculated the income incorrectly. 

We understand that closings fall through all of the time due to changes that occur on the buyer 's end. However, there were NO changes on our end and the loan officer agreed. We met every condition the underwriter had sent. We are devastated that we lost the home and how this affected many families. The after-the-fact apology that was received by the loan officer does not begin to make up for what we are going through. 

How could this process go this far and then only receive an excuse of " the income was calculated incorrectly ''?? We have it all documented in an email. 

We are living in a house that is all packed up with nowhere to go. Also, the sellers are now refusing to give us our earnest money back and we have paid money towards inspections, etc. that we have not received back.
Debt has been in dispute, has not heard back from company. Debt has been deleted off of  XXXX  of my credit reports. Want them deleted off other  XXXX . They have not provided any information or proof that I owe this debt.