WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after XXXX years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
I received a notice from Convergent regarding a debt in the amount of {$490.00} that was charge-off in XX/XX/2003 ( 13 years ago ). I believe this debt exceeds the statute of limitations under the FDPCA ; however, I requested Convergent to provide proof of the debt. Convergent later follow-up with a letter stating that the debt is valid and included a record that does not correspond with the amount due ( attached ). I believe 1 ) the debt they are trying to collect exceeds the statute of limitations, and 2 ) the amount is incorrect.
I check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.
This account was opened on XX/XX/2017. It states that i owe {$320.00} which i do not. I tried to contact them to remove this account but no replies. I do not owe them anything. Theres no proof this is my account. Please remove immediately.
The Debtor has an account on my credit report, I have disputed the debt with all 3 credit bureaus and they have failed to fully investigate. I recently received a letter from Debtor stating the everything is correct, but it is not. A judgment was made without my knowledge by a court or my permission, and I was not summond or notified, Nor did I sign or give this Debtor any permission at all to obtain any of my personal information. According to Fair Credit Act Law, a case has to be filed in the state where you reside, or, where you signed contract. while filing disputes with all 3 credit bureaus the Debtor has not provided my signature in wet ink which I asked for, for proof of debt or proof of permission to have in their possession my personal information. If it is on my credit report, they must provide proof of contract in wet ink, signed by me, and also proof I have givin them permission in wet ink, to obtain my personal information. They have not provided any documentation, which by federal law is fraud, for them having possession of my personal information, and making false, fraudulant, statements on my credit report without any possession of my signature in wet ink, or, permission with my signature stating, they have permission to have my personal information.
I too have had rushcard, my deposit came late. Although it told me it was ok to use, it got declined every other transaction, I have no access to my online account, it says I have to call. I called several times, and a few times it hung up, other times I waited on hold the longest I waited was almost 3 hours. I had a transaction I needed to dispute and can not because I ca n't get through. This company is unprofessional, and does not keep the best interest of the customers in mind ... .I have lost having to deal with this inconvenience.
I submitted a request to have a public record removed from my credit file. It was removed and then reinserted without given me written notice of this action. This is illegal and i would like to have the record deleted permanently immediately. Notice was not given of its reinsertion so this needs to be deleted.
Someone has been calling my phone and family members about a loan that was done on line that I did not do and I have never taking out a payday loan online for any circumstances.
A company by the name of " XXXX XXXX '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " XXXX XXXX '' to validate any information.
After being notified this week about my personal information being compromised in the Equifax data breach, I was unable to place a credit freeze on my credit report online. Equifax on line system resulted in a " system error XXXX. '' I tried to contact Equifax via phone but the waiting time is 'forever. '
My mortgage account was originally set up with XXXX XXXX on or about XX/XX/XXXX and I was never late with any of my payments. On XX/XX/XXXX I made my monthly mortgage payment on time in the same manner in which I made all my previous payments. Apparently sometime in XX/XX/XXXX my mortgage loan was either sold or transferred to Select Portfolio Servicing , Inc, I was never notified of this transfer and shortly thereafter my monthly mortgage payment to XXXX XXXX was returned and I was subsequently considered 30 days late with Select Portfolio Servicing , Inc . I tried calling Select Portfolio Servicing, Inc multiple times and no one from their office returned my calls. I contacted them in writing and they stated their credit reporting to the credit bureaus is accurate. I believe this is totally unfair and may be illegal. My Credit Reports have always been immaculate, and this 30 day late posting has dramatically damaged my credit profile.
XXXX Ocwen confiscated our XXXX Insurance check paid to us for damages incurred on our property. As homeowners, our mortgage is with XXXX which includes escrow account. XXXX XXXX made all checks payable us and XXXX, that make payments through our escrow account. When we initially send checks to Ocwen to endorse, they send it back insisting the new policy and IRS requirements is for all homeowners to endorse insurance check to the company to deposit into homeowners mortgage accounts for tax purposes. Unknowingly, we affixed our signatures and mailed the checks to them. After inquiring about the information given by Ocwen was not the facts, but them pulling mortgage fraud. We proceeded to inquired about everything. They proceeded to give us the run for XXXX and half month. The contractor pulled from our repairs due to nonpayment because Ocwen. We called Ocwen several times just be given the run around. Last when I called treating to report their action to law and newspapers about our lost, we received a call from them Ocwen, stating they mail checks to us yesterday with USPS, giving tracking number. Today I called Ocwen account information to check on our account, the automated system, acknowledged payments from us for total amount of our insurance claimed checks and also Informed us when our next monthly payments is due. This has prompted us to bring this matter to your attention. We are kindly requesting a complete investigation on our behalf in this important matters. XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ga
Chase Bank sent me a credit card in XX/XX/XXXX that never arrived and was later used to make fraudulent purchases in XX/XX/XXXX. Chase closed the account when they detected the purchase as fraudulent but they have refused to remove the charges against me. I have tried contacting them multiple times without getting any action from them. I have also filed police reports in XXXX XXXX, California ( where I live ) and XXXX XXXX, NV where the fraudulent purchases were made. 

Timeline : XX/XX/XXXX Fraudulent purchase at XXXX XXXX in XXXX XXXX for {$25000.00} ( APPROVED ) XX/XX/XXXX Fraudulent purchase at SuperStore {$320.00} ( DECLINED ) Fraudulent purchase at XXXX XXXX {$25000.00} ( DECLINED, which later was APPROVED ) XX/XX/XXXX I called Chase Fraud Department and was told that credit card account was turned over to Chase Security Department XX/XX/XXXX I called Chase Security Department XX/XX/XXXX I called Chase Security Department I faxed letter to Chase I set credit freeze with XXXX I filed police report with the XXXX XXXX Sherriff 's Department. The case was subsequently, turned over to XXXX XXXX Police Department. 

XX/XX/XXXX I called Chase Fraud Department and was told to call Chase Security Department next week XX/XX/XXXX I called Chase Security Department. Found out that Chase sent two cards, 1 in XXXX and another one in XXXX. I never requested for these cards. The card sent out in XXXX was received but the card sent out in XXXX was never received. 

XX/XX/XXXX I called Chase Security Department and was told that the case was still pending and no results until 10 days later. Someone was supposed to call back after 10 days but no one did. 

XX/XX/XXXX I faxed second letter to Chase XX/XX/XXXX Chase Dispute Department called. Case was still pending XX/XX/XXXX I called Chase Security Department and they were going to escalate the issue XX/XX/XXXX I called Chase Security Department. They would call me back in two days but no one did. 

XX/XX/XXXX I called Chase Security Department, was transferred to Dispute Department and then transfered back to Security Department. I asked to speak with a supervisor but no one was available. I was told that the case was still pending and it would take them 10 days to investigate, XX/XX/XXXX XXXX from Chase Lending Department called and informed me that I am still liable for the charges.
The Lender did not notify us or our homeowners association of the hearing on XX/XX/2018. Subsequently on XX/XX/2018 we filed a motion to vacate and met with the Court MAGISTRATE whom granted us the motion and the lender attorney admitted that we were never notified.

We submitted a complete modification package to the lender on XX/XX/2018 at XXXX XXXX However. The Servicer refused to provide information and provide us the legal contacting information to proceed.

On XX/XX/2018 at XXXX XXXX we faxed a completed package to the legal office and we did the first follow up XX/XX/2018 at XXXX XXXX XXXX and we were told that a completed package was received and was being reviewed with no questions at the moment to follow up in 48 hours ; we did several attempts contacting the legal offices to follow up and I was unable to speak with their loss mitigation department, I wrote an email on XX/XX/2018 at XXXX XXXX The same day at XXXX XXXX we received the denial response due to : 1. The complete retention package was not received ( we have faxed completed package to the lender and the legal office with fax confirmation receipt ) 2. More than 37 days before the scheduled foreclosure sale ( we dont have a sale foreclosure sale scheduled )
There is a XXXX bill on my credit file and it does not belong to me. I did not authorize this account to even be open and it was suppose to be deleted from my report. This is weighing negatively on my report and hurting my score
I short sold my home a few years ago and part of the agreement with my mortgage company was that I would have a $ XXXX payoff amount that would be paid back monthly. Initially this would be paid to XXXX XXXX XXXX Bank, but last spring it was sold to Bogman Inc. When it was held by XXXX XXXX XXXX I had major issues with their billing department, so my account was not accurate when it was transferred to Bogman. I contacted Bogman in XXXX XXXX to obtain a payoff amount for this account and did not feel that the amount that they quoted was accurate due to the issue that I had with XXXX I was asked by a representative who was handling my account at the time to document my poor customer service from XXXX XXXX XXXX because numerous customers whose loans they had taken over had serious issue with billing at XXXX XXXX XXXX. So, On XXXX XXXX, XXXX, I sent a very detailed email to Bogman , Inc and part of my email stated XXXX under the circumstances, I felt that it was completely appropriate for me to refuse to pay the interest that Bogman was going to charge me for nonpayment for the period that XXXX XXXX XXXX Bank were the holders of my loan. That I attempted to pay this loan in full in XXXX XXXX, but could not obtain the correct balance information and as I had documented, I made numerous phone calls to XXXX XXXX XXXX that went unanswered. I was told that my account would be reviewed and that someone would get back to me. Needless to say, I have had to send numerous emails since XXXX XXXX inquiring about that review status of my account and no one has ever gotten back to me. Since Bogman took over my loan, I have never missed a payment ( until recently, I told them that I was not paying them until I herd from someone ) and I believe that they have just taken my payments and and applied a portion of it towards the interested, even though I stated that I was refusing to pay those. I have always been in excellent standing with Bogman ( at XXXX time they held my mortgage loan ) and they actually hold another small payoff loan that was part of my short sale agreement. I am completely frustrated that I have not received a response from anyone at Bogman. 
Thank you!
XXXX report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and equifax XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
i responded to XXXX and equifax about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX Equifax comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house
This lender is calling me incessantly from multiple numbers multiple times a day. I told them not to draft on a day that I said I was n't going to get paid. They refused to listen and did it anyway. It caused problems in my account and I had to close it. I bank at XXXX in XXXX, california. I made other payment arrangements and they fail to note the account so they keep calling. One missed call and they are calling my references which is causing me embarasment and undue stress. I told them to stop and they say they have no control over their " corporate '' which appears to be a bunch of independent " hit men '' making numerous and harrassing calls daily. I told them I use the number they are calling as my personal and work phone and they are disrupting my business. They yell at me and do not listen to me. I told them I have rights under the fair debt protection act and they do n't listen or care. I do n't know how to stop these calls. It is causing me anxiety and undue stress and ruining my business and reputation. The calls started when I was 1 day late paying the loan off. I had tried to may new arrangements but they were not interested. Here are the numbers they made collection calls from between XXXX/XXXX/15 and XX/XX/2015:XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXX/XX/XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsI answered most of these calls but they still kept calling even though I attempted to make payment arrangements. They stopped for a while but started again XXXX days ago. I told the guy to stop calling me since this is my business line and to stop calling my references since they know I can be reached and I am available. He just yelled at me and said to pay up by Monday. 
California Check Cashing stores said they have no control over what their corporate does when I asked them to stop.
I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. Experian I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.
put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit.
Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions.
I subscribed to The Nation magazine last year and decided not to renew my subscription. Since then, I 've gotten several letters from The Nation about my " outstanding debt '', threatening to turn the matter over to a collection agency. Today, I received a letter from a 3rd party collection agency North Shore Agency demanding payment of {$18.00} and threatening to consider the debt " valid '' if I do not respond within 30 days. 

I realize that print newspapers and magazines are in dire need of subscription revenue these days, but to resort to threats and intimidation is unacceptably aggressive marketing. Please put a stop to it.
Syndicated Office Systems is currently reporting on a debt, in the amount of {$190.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to University XXXX XXXX. Syndicated Office Systems does not own the debt. I have a contract with University XXXX XXXX and not Syndicated Office Systems.
We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX
My wife fell victim to a predatory loan on XX/XX/XXXX. She had XXXX XXXX and I was in the hospital when she signed the papers. I was horrified to see what had taken place when I came out. Now she is in assisted living and I am trying to work with Ocwen Loan Servicing, LLC as they are our new loan servicers as of XX/XX/XXXX. They refuse to work with me as I am not on the note. However my wife is not living here anymore and I built this house before I even got married! Please ask them to help me. I now am scheduled for a sherriff 's sale on XX/XX/XXXX in XXXX County NJ. I want to make payments and become current again with a new loan modification and new terms. This loan is a farce as it is interest- only and nobody in thiier right mind would have signed for it. Please help me