WillisBack/dataset-financial-user-claim huggingface dataset:
Caliber Home Loans ( CHL ) sent confirmation in XXXX of 2016 indicating that we were approved for a loan modification. Immediately thereafter, and pursuant to CHL 's instructions ; we submitted our signed documents which we Faxed ( verified ) & Mailed. We immediately began paying the agreed upon amount FAITHFULLY/MONTHLY to present day. 
In XXXX CHL sent a foreclosure notice and when I called they indicated that they had not received the aforementioned documents before a XXXX deadline and they were therefore going to foreclose on our loan. CHL said they called and sent notifications BUT THAT IS NOT TRUE!!! as we only received a letter in XXXX stating the correct address to send our Bank Checks to as being XXXX not XXXX as I was sending the Bank Checks to the XXXX address as instructed by a representative which I spoke with. That is THE ONLY correspondence we received from CHL - for had they merely indicated that they did not receive said documents we would have immediately remedied the situation. 
The Bottom Line is CHL accepted and cashed our checks for several months now which in any court of law is validation of the contract between us. 

It should be noted that throughout the process of being completely ignored by the XXXX XXXX XXXX after being transferred from XXXX XXXX Bank - the entire process of dealing with CHL was excruciatingly difficult - and mind you - I 'm a XXXX with an XXXX!!! CHL seemingly/purposefully made Loan Modification Process exceedingly difficult. They would send out the same packets of documentations time after time and oftentimes requesting information that had already long since been sent and verified as being received by follow up phone calls. And please do note that it more often the case that the representatives gave completely different explanations when compared to the documentation they sent out. 

Oftentimes it seemed like we were dealing with several different disjointed companies when trying to communicate with CHL. No one had answers to seemingly simple questions concerning their documentation inquiries. 

In perusing the online complaints it was readily understood that we were in an uphill battle in dealing with CHL, but nothing prepared us for how incompetent this organization was. 

XXXX can only hope and trust that they, like XXXX and other evil establishments, will be levied well-deserved punitive fines and fees for how they have mistreated their clients. 

Reiterating : We complied with every request made of us - we were granted a loan modification - faithfully made our payments from XXXX through to XXXX - and then unexpectedly received notification that we were being foreclosed on - without a single phone call/message or registered letter which one would think would be well warranted in a situation like this. CHL sent us NOTHING save for an address correction for payment! 

For if we had XXXX iota of an indication that there was a discrepancy we would have moved heaven and earth to remedy the situation. 

With all that being said, we want to thank you for your time and efforts on our behalf as we are truly at your mercy against an unmovable object. 

Gratefully yours, XXXX
I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.
On XXXX/XXXX/XXXX I requested proper validation and verification or removal of this account. 

Please note : I am requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. 

Please provide the following : Detail of what the money you say I owe is for How the amount you claim owed was calculated Verify that the legal statute of limitations is still in effect Copy of your agreement with the original creditor Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) Provided a copy of any judgment you have received, if applicable Identify the original creditor Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.
I have contacted XXXX XXXX and Equifax several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}
I have been paying on a loan for a used mobile home at XXXX XXXX starting XXXX/XXXX/XXXX. Green Tree has done everything to me from hundreds of Phone calls, telling my neighbors, making me pay the XXXX dollars a month for over the phone payments.Tricking me into multiple payments. There are many, many more.The landlord of the park will not help with any problems that the parks bad water ( raw sewage in the water lines.There are many more problems. The biggest problem is his lawyer keeps on wanting {$2000.00} now and then or they will evict me.I was terminated from my job of 35 years of service for being 10 minutes late. My banking is at XXXX XXXX in XXXX mn, ( XXXX XXXX office ). Nobody will help me. I ca n't afford a lawyer and nobody calls me back. I have a pension and XXXX 401k's.I have a girlfriend that 's been with me for over 20 years. Her son was murdered XX/XX/XXXX nobody calls that much to help us. She is mentally handicapped and I am trying my best but there is so much damage that we both are overwhelmed.
Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from Experian today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the Experian Website and Also Experian Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. XXXX Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX   Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online. 

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
We submitted for short sale XX/XX/XXXX. On XXXX XXXX, XXXX the bank made a counter offer for {$150000.00}, which our buyer met on XXXX XXXX, XXXX. We have now been waiting for 3 weeks for any response from the bank regarding the written approval so we may move forward with this loan.
Per my recorded conversation with XXXX XXXX on XXXX XXXX, 2015, I accepted Citizens Bank 's offer on Case Numbers XXXX and XXXX, for a 10-year XXXX XXXX XXXX XXXX with XXXX Monitoring at no charge to me and also the offer to waive the {$620.00} processing fee on my current and only application with Citizens that I set up with XXXX XXXX, on XXXX XXXX, 2015. I followed up with a letter and email on XXXX XXXX, and have n't heard back on how to proceed. I sent a follow-up letter and email to XXXX XXXX, XXXX of XXXX on XXXX XXXX, 2015 with still no response. I 'm perplexed why XXXX has n't responded to my emails or letters and have n't honored their letter dated XXXX XXXX, 2015.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
I spoke with the representative named XXXX on XXXX XXXX, 2015. He cursed and was verbally abusive towards me, and my husband. Also, he offered to have me make a payment up front of {$150.00}, and I said no I could not do it that night, and when my husband called today XXXX XXXX, 2015 to make the partial payment of our debt, he called me a liar to my husband, and hung up on him. That is not professional and verbally abusive.
Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
This company is continuing to report a false, erroneous account on my credit reports for years now. I notified this company on several occasions that this was not a correct debt and requested that they contact the original creditor to get the matter sorted. They did not. Instead, they continued to report this information on my credit reports and ignore all of the letters I sent to them. Each month they continue to update this incorrect information on my credit reports.In addition, they are NOT even licensed to collect or conduct business in the state of Connecticut, where I reside, and have resided for over 20 years. Yet they are claiming to be attempting to collect a debt from FL. After reading the thousands and thousands of complaints about this organization, I am not one bit surprised. They need to remove this incorrect information from my credit reports once and for all!!!!
I recently filed a complaint with you all regarding a prepaid credit card with XXXX XXXX XXXX. As I stated in the first complaint they kept my money for 2 months before sending the card. I kept asking to return my money so they finally sent the card. I spent my {$400.00} and sent the card back. They kept adding more and more fees, so I called and told them I no longer wanted the card because of all the hidden fees and that I had returned it. I also asked them about all the fees and I no longer had the card. I had preciously settled with XXXX XXXX for a card that a dead family member had gotten in my name for XXXX and asked them would they settle for XXXX since I spent only my XXXX and they had charged me an extra amount for processing fees that I paid up front, I was told to send the XXXX and they also told me that I needed to send them another XXXX which I refused to send since I had given the XXXX plus XXXX processing fees and the XXXX. So they put XXXX on my credit report. after writing you all the first time and closed the account with a XXXX balance,
Wells Fargo Visa, is refusing to give senior, XXXX XXXX XXXX reimbursement for credit card purchases made by a caregiver, XXXX XXXX, who has been charged with XXXX felonies for this theft and senior abuse. XXXX XXXX 's district attorney has provided proof of charges.Wells Fargo states that because she promised to pay it back they will not reimburse him. We have all documents of proof. We have been dealing with this since XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX at the age of XXXX, XX/XX/XXXX, but our family wishes to pursue Wells Fargo and Visa to repay his estate.I hope that you can help us. The amount of the theft on the Visa charges are {$14000.00} and XXXX in interest and fees.for a total XXXX.XXXX XXXX also made payments to XXXX Visa out of his checking account in the amount of $ XXXX.XXXX XXXX also used a Debit card without his permission in excess of 100 thousand dollars.Wells Fargo will not reimburse for these losses,.
I opened an issue before and got an email you were not able to send complaint to the company for a response ( XXXX ). Not sure if I filled it out wrong or did not provide enough info. I will add more now. 

The background check company Sterling ( Sterling Infosystems, XXXX XXXX, XXXX XXXXt, XXXX XXXX, XXXX XXXX XXXX ) ran a background check and provided to a company that I did not authorize. It seems Sterling operates under multiple names ( see above ) so it is difficult to find who to talk to. 

My employer ( XXXX XXXX XXXX ) told me I had to fill out a Sterling form online, but when the consent box popped up there was no way to say no, it asked for my name to be typed in so I just put 'no ' that I did not consent. XXXX is saying their system just assumes everyone consents and they in no way need to have written consent, just being on their site implies consent. In summary I did not provide written consent. 

Also the disclosure forms were confusing the name of the company requesting the report was not one name but two companies " XXXX XXXX XXXX '' was the name on the disclosure. I am a current employee of XXXX XXXX XXXX, but I assumed the check was only for XXXX, which is who I thought requested it and that XXXX would not get or take actions against me because of the report. I work for XXXX, but was told to fill out the background check to be a XXXX contractor in a XXXX facility. But it turns out both companies got the report ( as per Sterling ). 

Based on the report XXXX is working to revoke my employment. 

I have emailed with XXXX XXXX who is the director of Compliance at Sterling email ( XXXX ) phone ( XXXX ext XXXX ), but she is saying no written consent is needed for background checks.
I paid off an auto loan I had with XXXX XXXX XXXX, back in XX/XX/2013. I  demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that XXXX XXXX XXXX is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Report number is XXXX Report date:XX/XX/XXXX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX Notice of intent to file Complaint To Whom It May Concern : This letter to formally inform you that I have filed a formal complains against you with Consumer Financial Protection Bureau . And federal trade commission for your disregard to federal law as passed by U.S congress and President. My initial complains with consumer protection agency case number : XXXX on XXXX/XXXX/XXXX. You have not fulfilled your duty. I have send you several letters by mail, Tracking Number # XXXX, and XXXX You claim to have some verified the items, I requested. Therefore, I legally requested a description of the procedure used to verify the information. 
1. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX I have obtained letter from the U.S department of education that the disputed items should to be deleted from my account. The letter is in the attachment Failure to comply with these federal regulations by credit reporting agencies is investigated by the federal trade commission ( see 15 USC 41, et seq. ) Further you have claimed that you have confirmed these information? 
1. XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$2100.00} past due as of XXXX XXXX. 

2. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$1600.00} past due as of XXXX XXXX. 

3. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX I have contacted these agencies, with certified mail and phone conversation, I asked them for the original documents none of them has response to me. My question to you how you verified these accounts belong to me If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
What certified documents were reviewed to conclude your investigation? Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? 
What is the position of your employee that spoke to the creditor? 
I have clearly asked to respond with 15days. 
Please see the attach document from the department of education, that asking you to delete the disputed items. 
Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX XXXX XXXX, XXXX. 
XXXX
ONE MAIN FINANCIAL has reported a loan 3 times and reported that I was delinquent 3 times. The loans have the same open date and I don't owe 3 different balances. I have tried reaching out to the company and they disregard my request to fix it. See page 2 & 3 of the report that was pulled by the mortgage company. ONE MAIN FINANCIAL has single handily kept me from getting into a new home! Please help
They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.
Complaint for non-delivery of Pre-Receipt or Receipt of Shipment made to XXXX on XX/XX/XXXX. 

Hereby I XXXX XXXX XXXX, with Consular Registration # XXXX, and address at XXXX XXXX XXXX XXXX-COXXXX, I come to present my claim, against the Money Transfer Agency located inside the Store XXXX XXXX XXXXt, site at XXXX XXXX XXXX XXXX Colorado ; for the following reason : CLAIM : No delivery of Pre-receipt or final receipt, for the Transaction made on XX/XX/2018. 
REMESA DETAILS : -Remittent : XXXX XXXX XXXX , - Amount Remitted : {$30.00}, plus {$10.00}, by transaction charge. 
- Beneficiary : XXXX XXXX XXXX. 
- Paying Entity : XXXX. 
- Pin Number : XXXX. 

FUNDAMENTALS OF THE CLAIM. 

1. Motivate my claim the fact that the person, of masculine sex, who received the money and made the remesa, told me, that they had problems with the printer, and that he would return the next day from XXXX XXXX  so that I will deliver my receipt. 
2. It is the case that the day Sunday XX/XX/XXXX to return by my receipt the same person, who attended me the previous day I indicated that I had it and that I returned to return on Monday XX/XX/XXXX. 
3. What worries me is that for the remittance, said person only asked me to take a picture of the receipt of the remittance from his cell phone ; where only the pin number appears, name of my beneficiary, amount to receive and paying entity. But my name does not appear nor that of the company through, from which the remittance was made ; what that person told me was Intercambio Express. 
4. In the photo that was given to me, there is no phone number where I could call in case there is any problem with the collection of the remittance in XXXX. 
It is these facts, totally irregular, that motivate my claim. 
regards XXXX XXXX XXXX
citibank has been calling twice a day for XXXX10 months trying to collect a debt from a sears charge card. i do not now, nor have i ever had a sears card. although i have told them they have both the wrong person + wrong number they call anyway.
The attached letters ( To Wells Fargo2 in particular explains the situation in full ) was composed and sent to Wells Fargo in 2008. They refused to acknowledge it and never refunded the money ( Except as described ). Their fees were unjustly and incorrectly applied, and designed to extract extra money ( ie. Applying fees not in transaction order, but from largest to smallest ). In this example, I could have fairly been charged one OD fee of {$34.00} if they had charged me in transaction order. Instead, they extracted around {$170.00} in fees by sending me into overdraft as quickly as they could. 

Earlier " mistakes '' they made caused me to have a lower balance than I otherwise would have, and this led to other overdraft fees and other penalties. 

I recently found this post and so am trying again to get a fair outcome.

XXXX XXXX XXXX   ) It h
as been 10 years and this account is long closed, but all relevant documentation was provided to Wells Fargo at the time. 

The name on the account was XXXX XXXX XXXX and the details at the bottom of the account were correct at the time.
I had a XXXX dealership in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX XXXX running my credit without my consent Compass Bank Indirect also ran my credit without my consent.