WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I am currently in a mortgage with Nation Star Mortgage. I have had financial troubles in the past but am able to afford my home payments. I have applied, payed all agreed payments on a trial arrangment. The modification was accepted and I sent back all of my documents. The mortgage company insisted that i made a mistake and did not sign one of the pages. They then, rejected my modification stating that i did not accept the offer, but I did, i explained. They also have made several attempts to act as if they are trying to rectify the situation but have not done so. They are now trying to foreclose on my home and I
I am a victim of hurricane Irma and was offered to place my morgage payment on hold till XXXX XXXX/2017 with no penalty under the civil relief act. I made a agreement with XXXX XXXX to pay back by XX/XX/XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over XXXX website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company.
I received a letter from R. A. Rogers Inc. around XX/XX/2017 that a bill was owed in the amount of XXXX plus interest {$140.00} = {$1000.00}. There was no documentation or paperwork sent to indicate that a bill was owed to R.A. Rogers Inc until this collection notice around XX/XX/2017. The letter indicated that I had 30 days to either dispute or pay the bill. I am currently writing a letter to dispute the bill. This is the first collection notice of XXXX that was received from this company. Companies should have periodic updates to ensure accountability.
On  XXXX / XXXX / 16  I closed  XXXX  IRA 's that I had through Suntrust Bank. I instructed them to cut a check for {$30000.00} made payable to  XXXX   XXXX   XXXX  for deposit to an Annuity Account that I opened. They were instructed not to withdraw taxes because this was a rollover and no taxes were due. I received the check and deposited it in the Annuity account. In  XXXX  I received a call from my Accountant, who does our Income tax and asked me why Suntrust withdrew taxes from  XXXX  of my IRA 's. By doing that I had to pay taxes on that amount plus I incurred a 10 % penalty.  XXXX  IRA 's were rolled over :  XXXX  for {$2000.00},  XXXX  for {$1000.00},  XXXX  for {$13000.00} and  XXXX  for {$14000.00}. Suntrust withheld taxes on only  XXXX  of the IRA 's the one for {$14000.00}. The amount withheld was {$1400.00}. The other  XXXX  were processed correctly as they were instructed to do. I did not realize that they had withheld the taxes on this IRA until my Accountant brought it to my attention. I complained to Suntrust and they are not willing to accept responsibility and rectify this error
On XX/XX/2018, I was a victim of bank fraud. I received 2 emails from Chase about a provisional credit for 2 claims. I tried logging into my account to received a message my account is suspended and I needed to call. I called Chase and the representative told me my account is subject to closure and she will not tell me why. I reported the claims as fraudulent. I visited the local branch on Monday to get a copy of my transactions which Chase refused to tell me on the phone. I found more fraudulent charges that were done locally. I disputed those charges as well. Throughout this whole process, Chase did not contact me at all with any updates. I never received any alerts of fraudulent activities. Chase denied all of my claims and told me their reason is because I did not report the transactions and claims as fraudulent when they immediately occur and that my account was being monitor. Chase did not verified the phone number that was used to call for the claims made. I can also prove that I never called Chase. Chase told me they will not review any camera footages because my account was being monitor ( logging in ) but they did not state what device my account was being login from. I called my cell phone company to see if my mobile phone IP address may have been compromised which could explain how the thief was able to  get my information, XXXX stated that cell phones has temporary ip address. Meaning every cell tower you connect to, your IP address will change. An individual had all of my information to make fraudulent claims. It should be obvious that they also had my bank login information. Chase wants me to pay the negative balance.
On XX/XX/XXXX, an account with Citibank was sold to a third party company named XXXX XXXX XXXX Account was settle with XXXX XXXX, PAID IN FULL. {$640.00} was the amount paid to settle this account. Citibank is still reporting this account as chargeoff/collections account. I have tried contacting Citibank, who in turn, gives me the run around and different other companies to call. My recent call was on XX/XX/XXXX and once again, I was given the run around, transferred from one department to the next, back to the previous department and so on. I went so far as to contact XXXX XXXX XXXX again in regards to the status of this account. I take great value in my credit and have made my mistakes. I would just like this situation cleared up. I am waiting on a company of the Paid in Full letter to be resent to me.
On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX  Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.
On or around the end of XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from XXXX that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with XXXX XXXX which was paid in full XX/XX/XXXX, XXXX is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on XXXX letterhead ) XXXX has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of XXXX XXXX I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against XXXX if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, Equifax, XXXX and XXXX.
I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default
I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated   and I never graduated from college. Please review and remove this inaccuracies from my credit file.
I applied for a redcard credit card and I received a letter statement was not approved. I have excellent credit
Dear CFBP Team please be consider this complaint against this creditor This is the second Complaint against Chase Card and they don't want remove Hard Inquiry was made on XX/XX/2018 with unauthorized by me, and if they have proof i did applied for credit let them show up otherwise remove this inquiry i and they say we will mask that inquiry, now i'm open complaint again to remove from my credit Report with XXXX   and already has fraud alert on my credit report with all national agencies attached copy mail from Chase Bank that im not applied and they said we think its fraud First Complaint : on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX XXXX XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i received letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and instruction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud
I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.
I went to pay my mortgage thru XXXX XXXX like i usually do and was told that XXXX XXXX could not accept my payment and that i needed to call my mortgage company to find out why.So i call NationStar and they told me my mortgage was raised because my city taxes went up.I informed them that i had not received anything saying my monthly mortgage payment had went up and that my taxes had not went up. But was told i had to pay almost 300.00 more than my usual payment. I then asked if i could pay the {$1000.00} right then and get the rest and pay that later and was told i could make my full {$1400.00} payment on line if i got it before midnight.but when i tried to make it online I wasnt allowed and the next morning when i called they told me it was a new month which put me 3 payments behind and i had to pay 3 payments to catch up or id go into foreclosure
I was contacted my National Credit Adjusters who are a third party collection agency regarding a debit from a payday loan lender. I took out this loan several years ago and paid it off but the company XXXX  XXXX   said i owed more than what I paid. The loan was for XXXX but they were still trying to collect an additional XXXX after i paid them on time and all i owed to them. National credit adjusters agreed to settle and close this account for a agreed upon amount of XXXX. i had my attorney send them a check and they received and cashed it. I looked at my credit report today and they did not settle or close this account as agreed instead they adjusted the amount and have in me in collections now for XXXX. i have my letter from them agreeing on the settlement amount and they got the money. They are baiting and switching this amount after we agreed to close this account as settled and paid. They are now harassing me on my cell phone and at work for an additional XXXX
I had fallen behind in my payments due to many unforeseen medical issues starting when my son had to have a a XXXX XXXX removed. My wife has also had many ongoing medical issues the past several years. My mortgage was originally with XXXX XXXX XXXX, then it went to XXXX XXXX then with XXXX, and now it is with Fay Servicing. Beginning XX/XX/XXXX of this year I applied for a loan modification with Fay Servicing. I sent them all required income and bank information they requested and was told our household income was sufficient to qualify for the modification. Then on XX/XX/XXXX of this year i received a call from my account manager XXXX XXXX  informing me that I had been approved for the modification. I was relived beyond words. I was then and am still now committed to stay in my home. Then two days later onXX/XX/XXXX XXXX XXXX called again to say I was not approved due to a problem with the mortgage insurance company. He stated that I was approved by Fay Servicing. I appealed this decision through Fay and just recently received notification that my appeal was denied.
I received a voicemail from a woman on XX/XX/XXXX at XXXX Pacific time. When I listened to the voicemail I could not hear a company name and I could not understand the person. But in this message she stated that if I did n't call back she would sue me. I called today XX/XX/XXXX and spoke with a rep and a XXXX XXXX in the escalation department and advised her of the voicemail. She advised my account was only XXXX past due ... And they would pull call and do coaching. I advised this was not acceptable per any First party Collection laws and or the FDCPA
A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, Ocwen continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on Ocwen 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from Ocwen in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Hi. I have sent XXXX euros from my account via XXXX transfer to COINBASE, XXXX.LTD. 
40 days ago on the date XX/XX/2017 from my bank account in the " XXXX XXXX  XXXXXXXX XXXX XXXX ''. XXXX  XXXX : XXXX The time for arrival is 1-3 days and still i have nothing listed in my account. 
I have contacted them 3 times. I have sent them the photo of the invoice with them responding by automated bot. 


These are the case numbers of my complaints : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Most of the times i get useless responses telling me to send them more money to verify my account. I dont want to send more money i want them to find the deposit i already made.
Purchased a television and dvd player back XX/XX/XXXX when I was XXXX and not working. I made all installments on time until XXXX. XX/XX/XXXX I received a settlement and went to pay off the balance in full at the round XXXX store I purchased the equipment from. When I went to the store the manager calculated what I owed to payoff the account which was just over {$700.00}. I paid that day and thought the account was closed. I received no additional bills or phone calls for close to a year. In XXXX I started receiving collection calls from calls. They call me on average XXXX times a day. Sometimes they say I owe {$110.00}, sometimes {$120.00} and sometimes {$140.00}. I told them I paid off the account last year. They informed me that I had insurance placed in the account and the additional money due is for unpaid insurance. I never asked or was told about any insurance and I later find out its XXXX and unemployment insurance. I was XXXX and not working at the time I purchased the television so this insurance does not even apply to me. I have asked them to remove the insurance and close my account since I paid it in full back in XXXX. I keep getting the run around. I have asked to see the contract XXXX times and still have not received it. Bet shady business practices going on here. Apparently I was paying for insurance almost a year without knowing R and they received that money I 'll gotten. Now they want more. I want the insurance removed, the account closed in good standing paid off and the information sent to the credit agencies. This needs to be done now!
Santander came and Repossessed my car again XXXX 17 @  XXXX XXXX. I called to see if U can get ny car back and how much to get it back. Their response was nasty and rude. She stated that I had to pay XXXX to get it back. Then she said I couldnt get it back. This is bad I tried to save my car but no one wants to help me. Someone needs to help me get my car back!!! I gave them my hard earnrd money for 5yrs and end up with no car. How does this happened in America!!!
I too have been experiencing issues with Navient. They have not listened to me regarding telling them what I am able to afford, instead they insist on deferring my loan causing me to go deeper into debt with my loan. I have told them numerous times about my divorce and my household income being cut and they refuse to send information I 've requested to my house. I do n't have the ability to refinance and get the loans to a creditor based in the United States to speak with someone without a language barrier so I am stuck. The loan I am paying towards is a program that has not existed at the school I graduated from for at least 3 years. It was taught out. They stopped enrolling in XX/XX/2013. With my financial situation I 'm trying to do the best I can but have recently considered bankruptcy because I do n't know any other way, this company simply will not listen to me when I tell them I can only pay a restricted amount until my credit debt is cleared, and when my divorce is final and I 'm not paying attorney fees. If there is something you can do to help the consumers please do. I 'm sure there are other people like me who want to pay, but the company simply will not listen to our needs.
On XX/XX/2018 I was notified through my credit app that there was a new collection account. I filed a dispute with all 3 credit bureaus and the information states this debt is valid increased the amount from {$2900.00} to {$3000.00}. Then on XX/XX/2018 I also sent a letter to the agency to validate this debt which I have not received a response to. I tried contacting them to verify if the letter was received but whenever I call the line disconnects. I received a electronic return receipt that this information was sent and received from the company.
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of TransUnion dropping my credit score while my student loans are in forbearance. Without addressing to me why they dropped my credit score. On a student loan you can have decrease in the amount owed but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't have a limit amount. Because I was not given a limit on the student loan it is what I borrowed. I would like to provide you the information that my loans are in forbearance.
If we the people are essentially forced into trusting credit reporting agencies with critical personal data, at the very least we should be allowed free freezes and thaws on our credit when their colossal XXXX ups threaten the financial security of millions of Americans. Not even going into the issue of how social security numbers are misused in this country and how fragile that entire system is. There 's no reason Equifax should be allowed to profit off credit freezes and identity protection after they leaked the personal data.
My daughter was in a total loss collision accident on XX/XX/XXXX. The insurance coverage provided by XXXX was swift and efficient as they issued insurance check to XXXX Chase Finance on XX/XX/XXXX for {$18000.00} for full payoff of lease balance of approximately {$16000.00}. I still have not received check from Chase Fonance as of XX/XX/XXXX despite several phone calls to them. I was informed that they need more time to confirm amount of check is correct. What could they possibly need to confirm since the money was from XXXX and not Chase?? Furthmore, upon receipt of check from XXXX, Chase Finance deleted access to all my information online, including payment activity, statements, account numbers, etc. my check should have been issued long ago and my account information should not have been deleted. They need to place my information back online, issue me my check, and add interest to the time they have had access to my funds. They have clearly, deliberately and unlawfully held my money.