WillisBack/dataset-financial-user-claim huggingface dataset:
I am having a very difficult time with New American Funding with a VA Loan. I am trying to do a short sale to avoid foreclosure. I am currently in the XXXX. I own a home in XXXX XXXX and was transferred to XXXX last year. I had to rent the home that I am trying to short sale. I had some trouble with the tenants and was unable to travel with my job. They stopped paying rent and did damage to the property. My income decreased because of the lower cost of living in XXXX and I was unable to keep up with the payments or do any repairs. 

The problem that I am having now is the VA is stating the property is worth {$300000.00}. This property is in poor condition and it is not worth this value. The real estate agency I hired is currently trying to resolve the issue with XXXX XXXX XXXX with a dispute but have learned they are being fraudulent with the dispute. The real estate agency has to be 100 % upfront on the repairs needed to the property, they 're required by law. But the lender and the investor ( the XXXX ) does not? I am currently in review for a short sale with an offer in and the lender will not postpone my sale date? From my understanding that is required by XXXX state law. 

It has clearly been shown to the lender and the investor that there is more damage to this property that the appraisal did not show in his report. That has been proven and they will not accept it. 

It appears to me they do not want me to do a short sale to avoid foreclosure. They are doing everything they can to make sure that happens
Navient took over my private student loans from XXXX. Nether of which are willing to help me get a payment plan that is reasonable. They have only pushed the matter of given them XXXX dollars right away and they will stop the interest rate from going up. My interest rate is almost 7 percent now on my student loans and it goes up everyday. 

They have told me to sell my only car to pay them, they will not work with me and have hung up on me several times. I just want to pay a reasonable amount on my student loans. XXXX dollars a month for owing XXXX dollars is not reasonable especially when i have XXXX children and we are on a single income. They do not return my emails and do not call me, they have put me in forbearance and than removed me with no warning and immediate throw something on my credit without a phone call, email or letter by mail.
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.
Someone who identified himself as XXXX, who conveyed, and stated that he was at this illegal, and unjustified foreclosure sale yesterday dated XX/XX/XXXX at XXXX p.m. XXXX Standard Time at the XXXX located at XXXX, XXXX, Go to First Attachment, on behalf of XXXX XXXX XXXX and had the audacity to make a illegitimate bid for {$450000.00}, after he, and the commissioner XXXX # XXXX was properly notified, and informed about the Notice of XXXX that has been filed, and on record with the United States, State of XXXX, Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX, which is over a year ago. 
Go to Second Attachment. 
XXXX, XXXX is also listed as one of the Defendants in the active Quiet Title Civil Action Case. 
Go to XXXX Attachment. 
XXXX made an illegal, and unjustified bid, as XXXX was told, as well as the commissioner that XXXX XXXX XXXX is not a bona fide purchaser, and everything they were doing was documented, with other witnesses watching, and observing in the same vicinity as they were, and this will get reported to all who oversee this kinds of criminal activities, and witnesses are ready, willing, XXXX able to provide affidavits of everything that happened, and transpired at this illegal, and unjustified foreclosure sale. 
The Plaintiff, XXXX and XXXX, Wife and Husband, as XXXX XXXX XXXX XXXX, XXXX XXXX Simple owners singular marital entity holds legal title to said in XXXX property.
I became aware of this collection account while reviewing my credit reports. I have written to Capio Partners LLC to validate these collection accounts as well as their authority to collect on said debt. and have received nothing. I believe my HIPPA rights have been violated as I have never given ANY entity permission to share my personal medical information with a third party.
I have disputed this account become I have XXXX. This account is n't mines. I have always had XXXX as an Insurance. By Law you ca n't bill someone who is insured by XXXX for out of pocket expenses.
no contract with XXXX as this account was sold to action financial services. I contacted the bureau and they responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home. I 've spoken to several reps without assistance. This is clear they did n't properly investigate my concerns.
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article 809a of the FDCPA
Seterus rated my loan incorrectly and wo n't fix it. I am trying to refinance and they wo n't cooperate in getting my payoff to the new lender.
Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
In XX/XX/XXXX my wife at the time and I purchased a manufactured home. Country Place Mortgage held the loan. XX/XX/XXXX I separated from her and moved out of the home. At that time she had agreed to pay the mortgage payments. Sometime after that the home was repossessed. I learned of this in XXXX XXXX I believe. Each year since I have tried contacting them to determine what the home sold for and if they were going to issue a XXXX to the IRS. Phone calls have not resulted in anything other than them telling me they have time to decide what they are going to do. They will not even tell me what the home sold for. I have since learned the home was re-titled XX/XX/XXXX to a business or leasing company. Currently they are reporting I owe {$75000.00} to all XXXX credit bureaus. This amount does not reflect properly even if the home was sold for {$1.00} I have recently obtained court documents that show they " served '' me via a 3rd party. The server states they asked if I was an XXXX XXXX Service Member of The U.S or New York and received a negative reply. I am in fact currently on XXXX XXXX in New York and was at the that time as well. Country Place WAS aware of this as I had sent my orders and a copy of the NYS Patriot Plan. I fully understand I will likely owe something regarding this as will my wife as it is a joint account. I am hoping to be divorced as soon as possible. I just need to know how much is pending and if or when they will issue a XXXX to which I would need to pay income tax on. This situation is now causing issues with my security clearance. I had thought I was handling this properly by reaching out to them yearly to ensure whether or not a XXXX was issued or to determine exactly what was owed. Any and all assistance is appreciated regarding this matter.
I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and XXXX and Im only getting a reply that the information was updated.
I received a bright green notice on the front of my property from the Tax collector ( XX/XX/XXXX ) indicating that my property was up for auction in XX/XX/XXXX, due to non-payment of taxes for XX/XX/XXXX/XX/XX/XXXX. I have all my taxes and insurances escrowed in my mortgage payment which I have never missed since purchasing the property at the end of XX/XX/XXXX. I attempted numerous times to contact XXXX XXXX XXXX XXXX and they referred me to the tax collector -- and I never was able to get a resolve because the taxes were not paid and the tax collector stated I needed to settle this with my mortgage company. After several months I became increasingly concerned - having checked my escrowed amounts online and seeing that all was escrowed in properly. I contacted a lawyer to assist me. During the course of his investigation he stated that finally the tax collector had a long conversation with XXXX XXXX which stated they had actually mistakenly applied the tax payments on the property to a parcel listed under my address but in a different location???? How can that be? Suddenly, my taxes all were paid within a week. Thinking this was resolved, I was relieved. The next mortgage bill was drastically higher - $ 900+ which showed that they actually " fronted '' my " shortage '' of paying my taxes and now required me to pay an additional {$900.00} a month in my mortgage payment til I am " caught up '' at the end of this year. The total they stated was the amount escrowed that they stated was paid by them on the late taxes. I have paid a lawyer over {$3000.00} to not be resolved yet. I paid my mortgage amount in XX/XX/XXXX and they cashed my check but still showed I am in arrears on the amount they say I owe them. I just received a notice from them that they will no longer accept any amount of mortgage lower than their required amount of over {$2700.00}! I have forwarded all this information and documentation to my lawyer who is trying to get this resolved but has not yet succeeded. I also had received a letter from the " Chairman '' stating that they were looking into this and would let me know the results. I have yet to hear a result. My lawyer has requested XXXX  audit my account and has not been given any results as well. They have admitted to improperly paying my property taxes that were escrowed into my mortgage on a parcel that was listed as my address but was not my property? This is fraud. Now I am being forced to have my credit ruined due to their error and am locked out from paying my mortgage by them. I need help! I need this to be resolved before my credit is ruined. I have a monthly lawyer bill and he can not even get a resolve after nearly 6 months as well as now a " late fee '' on my mortgage payments each month for the " overage '' they say they paid for me.
I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.
On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.
I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
I recieved a letter from discover card that were closing my account. I 've missed one payment and had one payment come back return from one of my accounts due to fraud being done on the account and me having a freeze on my account. My account should not be closed and also there are charges on this account and fees that I was told would be credit before my next payment was due. I really like this company and would like for my account to remain open. Also I sent in a money order for XXXX on XXXX and that should have brought my account to current ... ... I have proof of the money order as well
My identity was stolen and someone took an installment loan out in my name for {$640.00} with XXXX I reported it to all law-enforcement as well as the Delaware Attorney General the federal trade commission is in the company still will not remove it from my credit report rise credit is a scam given all the legal proof and documentation that they need they still refused to remove the identity theft from my credit report
In XX/XX/2018 I was issued a Capital One credit card with the understanding that my minimum payment would be {$25.00} per {$1000.00} balance. I used the card several times in the winter and spring and each month I sent DOUBLE payments. Instead of the {$25.00} minimum payment, I sent a check for {$50.00}. The company did not, as it seems, apply the amount over the minimum payment to my balance completely, in turn making my balance increase rather than remain stable or fall. 
Now, I get a bill that states my minimum payment is {$30.00} on a {$950.00} balance, and this is not what was expected per the paperwork I received. 
I spoke with a representative at CapitalOne and it seems that they only conside a double payment if I paid twice in a month. Not right. and they are telling me that my interest rate rises the higher my balance is. 
I have never had this happen to me with any credit card I have had in the past and it seems no one at CapitalOne cares to help me. 
I was mislead on this credit card. If I had known this, I would not have taken the card. 

Also, credit applications should be SIMPLE and in PLANE English, not in legal jargon that no one understand unless they have a Law degree.
XXXX XXXX from the revenue group is continually calling me from XXXX and saying I owe money but wo n't tell me who unless I give him my date of birth and social security number. I have told him to stop calling or let me know who I supposedly owe money to and he refuses. He says that they have sent me several letters explaining the debt and we have not received any of them.
I have contacted equifax on several occasions regarding inquiry on my report that I did not recognize I have been getting the run around for months I did not authorized any of these inquiry some are listed mupitle times. Below are the inquiry. 
Business Name Business Type Inquiry ForDate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Please be aware that my name is XXXX. On XX/XX/XXXX, I received a letter in the mail titled by the company name Alliance One, Receivable Management XXXX. which is a debt collector agency. I called them up and come to find out they were trying to collect on a Debt that was transferred from XXXX even though I was already addressed that the debt was time-barred and had reached it statute of limitations dead line as of XX/XX/XXXX this debt happen to be the debt that was allegedly owed to XXXX Court of XXXX. Please note it is illegal for anyone to try and collect on this debt since it is time barred. The customer service representative of Alliance One told me that it was a "Fresh Debt" which is not true. I believe XXXX is in violation and may have purposefully tried to reset the time on this debt which is also ILLEGAL.
Source Receivables has reported a fraudulent credit transaction in my name to XXXX and XXXX. They claim I have an unpaid balance of {$1200.00} to XXXX. I disputed this report to Source Receivables in XX/XX/XXXX. I have never had any account with XXXX. This account must have been generated by identify thief.
I went and spoke with the manager at the XXXX XXXX location in XXXX NC, due to I made a routine deposit ( My paycheck ) that Ive been doing for the last year every two weeks. My deposit went through fine on Friday XX/XX/XXXX. Saturday XX/XX/XXXX I checked my account and the deposit was placed on hold. So I went to the bank and the manager didnt call anyone, he didnt look up my account he just insisted there was nothing he could do. When I asked why and for him to look into the account or to call someone to figure out what was going on he replied if you were rich, this wouldnt happen Now I do lol Ive paycheck to paycheck like everyone else so that remark was uncalled for. 
He proceeded to have someone call to see what was going own, they tried to say it was with my XXXXXXXX XXXX XXXXXXXX XXXX XXXX. But I had copys from the bank and a statement from my employer showing that its not the case that the money cleared with them on Friday after the deposit. 
The manager then told me there is nothing he can do and he can not give me a reason as to why. I asked him to close my account and he refused then made comments about my age. My age has nothing to do with my account , st the end of it all he said if I didnt like the rules then I can go to another bank but they wouldnt close out my accounts. Once this matter is handled after me having to wait 3 weeks to get my paycheck, I will have bills over due and Bank of America can not give me a reason as to why when the check was cleared within less than 24 hours of my deposit so I will close the account once it clears and Ill never bank there again.
Dear CFPB Director : 1. XXXX XXXX ( now becomes Morgan Stanley ) claimed my 4 shares of XXXX stock from CA XXXX XXXX XXXX without my permission. 

2. On XX/XX/1992, CA XXXX XXXX XXXX paid $ XXXX.to XXXX XXXX XXXX XXXX 

3. I have contacted Morgan Stanley for last 5 months and requested Morgan Stanley refused.to return my money.
My soon to be XXXX XXXX XXXX mother has been trying to submit her application to Ocwen for seven months. She has resubmitted information five times. Each time she is scheduled for a phone interview Ocwen representatives tell her she has not complied with some part of their paperwork process. Her information has been reviewed prior to sending, and is correct, yet each time, the representatives say that they are not saying she didn n't send it, just that they did not receive it. Her initial application was XXXX of 2016. She has been told that she now has to redo the complete application because she is outside of the 90 day time frame. Ocwen is stating they reviewed the case on the XXXX day and that she is missing the same information she already provided. They are stating she must start over. She began the process due to illness and being off work. She is behind on her mortgage, but has not stopped paying.
On XX/XX/XXXXat XXXX I recieved a call from XXXX at Wells Fargo Dealer Services from the number of XXXX XXXX XXXX. He was asking when I would be making my XX/XX/XXXX payment because I was close to going 30 days past due. I explained again that I was not able to pay until XX/XX/XXXXbecause of unexpected medical expenses. I explained that I would be making the payment of {$380.00} online on He offered me some assistance in the form of a " due date change ''. He said that if I made the payment of {$380.00} by XX/XX/XXXX I could call or go online and request a due date change and move my next due date until XX/XX/XXXX. He explained that I would be moved out of a past due status and would n't be paste due any longer. I would start fresh and be current in XX/XX/XXXX. As promised, I make the payment online on XX/XX/XXXX. On XX/XX/XXXX i went back to the website after the payment had posted to request the due date change XXXX had offered me. It gave me # ' s XXXX to choose. I selected XXXX and clicked submit. They system showed my next due date as XX/XX/XXXX. I was confused because I was told me next due date would be XX/XX/XXXX. I called back to clarify. XXXX answered thephone and I expressed my concern. I asked why my next due date was showing XX/XX/XXXX and not XX/XX/XXXX as I was promised. He explained the due date change process and I assumed assured him that was NOT what offered to me. I was n't being offered ANY assistance at all, just making my account less days past due. I told XXXX that I felt he was very deceptive on our first phone call on XX/XX/XXXX. I specifically asked if I would no longer be past due, and he said yes! We ended the call with no resolution and I feel very manipulated and deceived by Wells Fargo Dealer Services.
Ocwen Loan Servicing XXXX, debt collector have used Fraudulent and Forged document to accept Insurance Loss Draft check on XX/XX/XXXX, in the amount of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Draft XXXX. 
Ocwen DOES NOT have Any documentdocumentsdocuments to collect on this debt. This debt was discharge on XX/XX/XXXX, Chapter XXXX United States Bankruptcy Court. Ocwen accepted LOSS Draft after discharge debt Voliates 15 USC 1692 and Florida Statuue 817.535. As of XX/XX/XXXX, filed Fraudulent foreclosure, No Letters, No Notice no communication a bout filing. Ocwen-XXXX co ntinue to avoid sending any documentation to show Proof of Ownership as of XX/XX/XXXX