WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received a Notice of Foreclosure sale XX/XX/18. I am a Trustee and Co-Beneficiary of a Family Trust which the subject property is titled in reference to original borrower known as the Estate of XXXX XXXX. I reached out to the servicer but I have found it difficult to communicate with the servicer and the foreclosure law firm requires that I speak to servicer before they will process a postponement of sale ( Non Judicial State TN ). I do not have understanding of what the alleged amount of indebtedness is, what alleged payoff is, alleged reinstatement amount, and No one has  addressed the matter of servicer/Lender error in trading the loan and closing out the initial Trust allegedly opened by Lender. A Title search revealed a error as per SEC violation. 

None of the living beneficiaries received any notice from servicer except for me at last minute. The foreclosure firm says they were Not Given an amount of Indebtedness ( XXXX at Foreclosure Law Firm representing Servicer SPS ) The Firm refers me to the servicer and the servicer will not speak to me without an updated Third Party Authorization. Which I can not obtain until I am given legal advise as to who should sign the new Authorization as the previous decedent of Mrs XXXX is also deceased and XXXX XXXX is no longer a beneficiary of the Trust.
I have, on several occasions, attempted to contact Equifax in regards to a debt in the amount of XXXX they claim that I owe. I have sent 3 letters to date with absolutely no response from them. At this point I want the debt removed without question because the refuse to send original documentation with any original signatures that validate the debt.
I subscribe to Transunion for daily score updates and credit protection. On XX/XX/XXXX, I checked my credit score with TransUnion and it was XXXX. That evening, I received an email saying there was a change on my credit report and that I should log into my account to see why. On XX/XX/XXXX I logged into my account and noticed that my credit score went down 35 points to XXXX. There was no change in my credit report from XX/XX/XXXX, though, as the email stated. I called Transunion customer service several times and no one could explain why. I was put in touch with a supervisor and she could not explain the change either. In broken English, she said it was " due to the factors ''. When I told her that the factors did not change from yesterday she said they did. She stated that I had a delinquent account. I asked her which one and she refused to tell me. She directed me to the online group and they looked at my report and found no delinquencies. I downloaded another credit report from XXXX and XXXX. There were no delinquencies. Everyone I spoke with at Transunion could not explain why my score went down.
I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, Experian ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.
XXXX XXXX and I reached a settlement for account no.XXXX. However, the trade line has passed the seven year threshold prescribed by FCRA 15 U.S.C. 1681c ( c ) ( 1 ).
We are brothers and Veterans on this mortgage. We have fallen behind and Embrace, XXXX, has requested duplicate documentation and has denied receiving faxes. We are in foreclosure and documentation timeliness is very important.
I was part of equifax hack. Sign up for Trusted Id identity theft protection. 3 days ago I received an alert that there was some suspicious activity and that I need to contact them. I have tried repeatedly over the last few days to contact them via phone and the line has been busy so I could n't get through. Their website has also been down during this 3 day period
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help
The apr on this Loan is over 30 %. When I called asking to refi, I was told I had to wait 2 days. When I asked if I could modify the loan I was told no and would not be able to help me. I was told to contact a different company for help, they repeated a script over and over and when I asked to speak to a supervisor they told me no and someone would call me back. No one called me back, this all happened on XX/XX/2018. They would prefer I default and file bankruptcy verses working this out with me. This is predatory lending.
I filed a report with XXXX and Equifax stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.
I have a consolidated student loan with Navient and fall under the lawsuit filed against them by the federal government in over charging interest rates and hiking payments.
Hillcrest Davidson attempted to collect a debt that I was informed by the original creditor was closed. After numerous phone calls to my cell phone which included yelling and screaming at me, threats to damage my credit and threats to garnish my salary I sent them a cease and desist letter. In the mean time Hillcrest Davidson called my place of work and spoke to one of my employees telling them that they needed to speak to me. The employee asked who was calling and they told her they were a lawyer trying to collect a debt from me. I asked them to not call me at work again. I disputed the debt because of this and it was removed, I then received a letter asking me to pay the debt and the collection has reappeared on my credit report. This company are rude, unprofessional and aggressive. I have disputed this with XXXX  and XXXX but they claim that the collection and this company are valid.
I was not notified of the servicing transfer of my loan per CPFB requirements. The CPFB Bulletin   XXXX    Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers clearly says " the transferor servicer shall provide the notice of transfer to the borrower not less than 15 days before the effective date of the transfer of the servicing of the mortgage loan. '' A postmark does not equal a borrower being notified. Receipt of the letter is notification.      Plaza Home  Mortgage closes at  XXXX  my time and I received the letter Friday so  XX/XX/XXXX  I was not able to get any further information on the transfer before today,  XX/XX/XXXX  Note that leaves me 6 days to get a payment to someone. I 'm glad I was n't traveling for work or on vacation because  Plaza Home Mortgage turned off my auto payment. I would ha ve missed a payment.      I called Plaza Home Mortgage this morning to figure  out what is going on and   XXXX   claimed the requirement is the postmark not the customer receiving. She told me, " the post office says it wil l take 7-10 days and we  ca n't account for that. ''  So Plaza Home Mortgage is knowingly giving customers as little as 5 days notice.
I am having problems with the bank that Fema uses JP Morgan - a lady just called me, and this is the problem -I put in a dispute last XX/XX/2018 with J P Morgan Bank about XXXX XXXXwhich is a Travel agency with the XXXX XXXX XXXX  that I stayed at deals with. I only stayed at this hotel because all others were booked in XXXX Florida because of a football game, any way I called the XXXX  XXXX made sure they had availabily and they did -so I went there for 5 days and when I asked them for a billing invoice they refused and were whispering underneath their breath, so I thought at least I would get before I left the hotel, but they refused and said that I had to contact their travel agency- now J P Morgan first had this lady to handel my case with the last name XXXX- who did nothing so I called J P Morgan s executive office and reported that this might have some discrimination, because XXXX and XXXX were both XXXX - then they got a lady named XXXX XXXX and she wants to go by any paper work that XXXX writes up XXXX and I told her anyone can type up a paper with no signature on it and say I did or any one else did sign up, now they sent all but {$400.00} and this bank has been sneaky and underhanded from the start- they told me they need to check a few more things while keeping me waiting for money that I sent to them. This was reported back in XX/XX/2018 2018
debt was paid in XXXX/XXXX/2016 to medical office. Now I am receiving letters from a collection agency called Transworld Systems , Inc. TSI
Hello : This company is reporting the same debt twice on my credit report to perpective employers it appears as if the debt is two different collections. Please remove this entry and allow the XXXX entry to report this. Thanks.
I received an email that a dispute I filed yesterday with XXXX  was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on XXXX website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me. 
She then gave an email address that is invalid. I attempted to live chat with several more agents on XXXX website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
On XXXX XXXX XXXX I received an injury while at work. for over 16 months I was off work I was able to receive my full salary for 12 of the 16 months once that stopped I started to receive Workman comp. which was far less than what I was making. I then started to fall behind in house notes. On XXXX XXXX XXXX I received a XXXX retirement from my employer as a full time XXXX on a XXXX XXXX Retirement Benefit, with a monthly allowance of XXXX % of what I was making. because of this hardship no fault my own I can no longer make my monthly house note as what they are now. I have been going back and forth with my mortgage lender Nationstar Mortgage LLC. They ( Nationstar Mortgage ) has wilfully failed in its obligation, under HAMP, in assisting me to receive a Home Affordable Loan Modification by purposely using deceitful methods, inaccurate salary numbers, false credit reports practices to deny my request for a HAMP loan.I appealed this unfair denial with Nationstar Mortgage LLC and they used these same deceitful practices to approve a HAMP loan that I still can not afford to make on my XXXX allowance. My XXXX allowance is XXXX % of what I was making before I got injured it is non-taxable. NationStar states that all non-taxable income under HAMP is grossed up to XXXX %, not XXXX % which is the standard, to a total gross income in the amount of {$4600.00}, my monthly XXXX allowance is {$3600.00} a difference of {$920.00} that I am not making and Nationstar Mortgage LLC then based my monthly house note on this false income and expect for me to be able to afford the new payments. If I applied for a loan with Natiostar Mortgage and used the income of XXXX a month and when it came time for them to do income verification and I submitted pay stubs with my real salary of {$3600.00} they would deny my loan based on false income. They would not just let me gross up my income because they know that I would not be able to pay them on money I am not making. But they expect for me to be able to pay them on money that I am not making? Nationstar Mortgage LLC has also flat out wrong financial debt that they said I have in the amount of over {$4000.00} a month which is a Lie. I have submitted to them at least 3 times with proof that my outgoing monthly obligations is about {$1300.00} to {$1400.00} a month. They failed to address this despicable practice. Natiostar Mortgage for what ever reason is not helping me but instead seems to be going out f there way to conduct another fraudulent foreclosure which they are being investigated for.
XXXX XXXX from Global Credit and Collection Corp. continually calls my employer, even after being told he can not do so.
My mother, XXXX XXXX died on XXXX/XXXX/XXXX. Shortly before her death, she spoke with me as to her home which she purchased for cash in the XXXX. The property is located at XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX. She wanted the property to go to me and my siblings. In the last stage of her life, my sister had to move in with her to take care of her. After her death, I assumed my sister would continue to reside in the home, so I did not pursue selling the property. On XXXX/XXXX/XXXX, I was served with a notice of intent to foreclose on my deceased mother 's property, with a notice that I had 30 days to dispute the validity of the claim or debt. The notice claims that there is a mortgage on the property and I am completely unaware of such. My mother is XXXX and spoke very little XXXX, and understood very little. She was also declining in XXXX and was approaching XXXX. Her driving priviledges were taken away, and she needed help to get by day to day I do not believe she knowingly signed any mortgage, and as such, I responded to the law firm on XXXX/XXXX/XXXX certified with return receipt. It was received by the law firm on XXXX/XXXX/XXXX, and I received NO response. I called them and was told they would get back to me. They never have, and I have called them repeatedly, they always say they will get back to me. I do n't know what else to do, and I am asking for help from you.
I purchased items online ( few dresses ) - and received wrong items instead. The entire purchase was returned back to the seller. Copies of all my purchases and return was sent to credit card with actual images. Proof of the receipt that the items were delivered to to the seller and yet my credit card charged me full amount. This problem is going on from XXXX of 2017. Few times they asked me to send them proof - which i did and now I receive a bill with PROVISIONAL CREDIT REVERSAL. I emailed the seller few times - never got reply back.
Third party company states I still owe for pay day loan from 2011, when loan was paid. High point asset is calling my cell phone and work phone which I have said is not acceptable because I work at a hospital and it effects patient care. I have requested validation of so called debt numberous times by mail only but have n't got a response.
I submitted complaint after I paid XXXX late fees and balance show up on my account to Provident Funding www.provident.com about why I have XXXX late payments fee after I travel out of town. No response to my complaint. I thought that I paid on XXXX XXXX I should be fine by now as soon as I pay on time from now on ( I even just paid the XXXX late fee ). But today I login my account to pay for this month Mortgage and find another late fee show up again. 
The account say payment is due on XXXX XXXX, 2016. I call them they told me that they ca n't do anything about the late fee. I paid it and printed the confirmation. Now I try to see what will appear on my account now? Even though I get confirmation from their website saying I have paid and transaction completed, it still show payment is due on XXXX XXXX, 2016 and it says YOUR SUBMISSION PROGRESS : INCOMPLETE. I am afraid that they will charge me late fee each month even I pay in time each time.
I have been trying to reach a live person to speak to at experian credit reporting agency. The only number I have to contact them is XXXX. A recording keeps coming on asking to push 1 for fraud information and 2 to order your credit report. It is impossible to speak with someone. I have disputed in writing several times incorrect information on my experian credit report. I can't even get online to submit a dispute. I have a report number but the website won't allow me on. I have disputed an account ( XXXX XXXX XXXX XXXX XXXX ) that is showing as negative on my report. This information is INCORRECT. I've had several combined loans years ago with XXXX XXXX XXXX XXXX XXXX and have paid the balance in full. It's reporting as a write off which is completely wrong. Having this wrong information is hurting my credit score. XXXX  has deleted the account I do not understand why experian and XXXX are still reporting this. I contacted XXXX  and was told they received there response to the investigation and it will be deleted off my credit report. The same response should have been received to experian and XXXX as well. Another account I have is XXXX XXXX dept store. It is showing as a late payment back from XXXX. This is also incorrect! I have never been late in paying XXXX again XXXX  has corrected it but experian just keeps updating the same information. The last one is XXXX XXXX XXXX. There are fraudulant charges on that account from XXXX. My credit score is being affected due to wrong information reporting. I am submitting this complaint because experian doesn't care to take the time for the consumer and do a true investagation. My credit is most important to me and I am aggravated that you can't even speak to a live person to dispute these accounts again. I also have disputed them as I mentioned earlier in writing several times. One time they gave me a wrong PO Box number and my letter was returned to me.
I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. XXXX is the only one still actively reporting that my account with First Bank Omaha is open and carrying {$2500.00} balance. I have called First Bank directly and they claim that they have reported my account closed with a XXXX  balance to all three agencies. When I spoke to a costumer service supervisor at XXXX on XXXX XXXX, 2017 he stated when they contacted First Bank of Omaha on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.
I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form Capital One that I was late 30 days. I called XXXX and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.
I understand that I have a debt with Discover but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.
# XXXX - XXXX 1. I took email, code to regions local bank 2. I did XXXX ATM DEBTs 3. A direct deposit more than {$500.00} was done Its say very clear, regions bank gives {$300.00} bonus, the major problem is were is the {$300.00}? 

4. Is it fake? 
5. Is it good for all bank customers? 
6. Does a bank have the right to have false claims?
I had to file a CFPB compliant to get my {$400.00} promotion from Citi bank. They finally awarded the promotion after and excessive amount of time. I just received my XXXX and it states that I earned {$800.00} from two promotions. I can not trust this banks record keeping in any way and caution anyone who uses this bank to review their statements carefully. To fix the issue I would like Citi to issue a new XXXX or send me a check for the {$400.00} that they said they paid me.
My federal student loans have been serviced by XXXX and I have never missed or been late with my monthly payments, which are due on the XXXX of each month. At the beginning of XX/XX/XXXX, I made my regularly scheduled monthly payment to XXXX. At around the same time, my account was transferred to Fedloan Servicing. Near the end of XXXX, Fedloan Servicing notified me that my XX/XX/XXXX payment was late. I notified Fedloan Servicing that my XX/XX/XXXX payment had been paid to XXXX immediately prior to when I got notice that my account was transferred. Fedloan Servicing soon confirmed that it had received the payment and would credit it to my account within 10 days. After 10 days, Fedloan had not credited the XXXX payment and my account was still showing past due. Fedloan again confirmed that, yes, it received the XXXX payment from XXXX but it takes time to credit it to my account. Fedloan instructed me to make my XX/XX/XXXX payment as usual and as soon as the XXXX payment was credited to my account, it would reflect that I was up to date on payments. I have continued to make all monthly payments on time and in full. However, I receive late and past-due notices, stemming from the XXXX payment that Fedloan received from XXXX but has failed to apply to my account. Fedloan Servicing told me to ignore the late and past-due notices I receive as it will all be straightened out when it finally credits the XXXX payment. As of this date, Fedloan Servicing has not credited my account with the XXXX payment it received from XXXX when my account was transferred. It is unacceptable that it has taken 4 months for this to happen and that I am receiving late and past-due notices. Of course, I request that no negative information be reported to the credit reporting agencies and that no additional interests or fees are added to my account because of Fedloan 's failure to properly service my account and my XXXX payment from XXXX.
I had a direct payment on line issued on XXXX/XXXX/16 to Goodyear Credit Card/Citibank. My bank showed that payment was made and received on XXXX/XXXX/16, which was due on XXXX/XXXX/16. I received my Goodyear bill on XXXX/XXXX/16, showing payment was never made. I reviewed my on-line account and it showed payment was made and cleared. I contacted my bank and they are looking into it, as the account number is correct. I contacted Goodyear/Citibank and advised them of same, asking them to not charge me the late feel. I offered to show them my bank statement advising of same, but they refused to credit the late fee, stating my payment was late, apparently not even reading my email. I went on line to Goodyear directly, after talking with my bank and made a payment to avoid another late payment. Please assist me in getting my late fee reimbursed, as the payment was made timely, it was an issue with my bank sending the payment. 
I tried to attach my history of payment, but the website would n't let me attach anything