WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX ORGANIZED A COMPLICATED FRAUD COVER UP IN XX/XX/XXXX WITH NTIONSTAR MORTGAGE. ~ NATIONSTAR HAS CONFIRMED LOAN ORIGINATION FRAUD AND EMBEZZLEMENT / MISAPPROPRIATION OF FUNDS OCCURED AT XXXX XXXX AND XXXX XXXX WHEN XXXX XXXX WAS CONFRONTED AND CAUGHT ... THEY SOLD THE LOAN TO NATIONSTAR *** NATIONSTAR REQUESTED THE PROPER LOAN DOCUMENTS TO PROVE THIS WAS NOT A FRAUDULENT LOAN .. AND INSTEAD GOT AN ORGANIZED CRIMINAL COVER UP ORCHESTRATED BY XXXX XXXX 'S VICE PRESIDENT, XXXX XXXX XXXX XXXX XXXX NEVER PRODUCED THE DOCUMENTS NOR DID THEY DEFER OR REFUSE TO COMMENT AS UNAUTHORIED 3RD PARTY IN XX/XX/XXXX ... ALTHOUGH LEGALLY THEY SHOULD HAVE AND FORCED NATIONSTAR TO CANCEL THE LOAN DUE TO NOT HAVING THE PROPER DISCLOSURES OR LOAN DOCUMENTATION *** XXXX XXXX LIED TO THE CFPB AND THE CONSUMER IN XX/XX/XXXX AND XX/XX/XXXX AND MISLEAD BOTH OF THEM ON HOW THE REAL ESTATE SETTLEMENT PROCEDURES ACT WORKS WHEN ENFORCED *** YOU CAN NOT MISLEAD A CONSUMER ... YOU CAN .NOT LEAVE OFF LENDER REQUIRED ITEMS TO MAKE A PAYMENT APPEAR LOWER *** WHEN ERRORS OCCUR THEY HAVE TO BE CORRECTED OR 100 % OF THE LOAN HAS TO BE CANCELLED ... IMMEDAITELY ... WITHOUT QUESTION, HARASSMENT, EXTORTION OR ANY FURTHER COLLECTION ATTEMTS OF ANY KIND *** THIS IS COMMON SENSE AND IT IS THE LAW IN EVERY INDUSTRY*** NATIONSTAR HAS NOW LOST THEIR STAR WITNESS ... XXXX XXXX KNOWS SHE BROKE THE LAW AND NOW REFUSES T COMMENT *** NATIONSTAR KNOWS XXXX XXXX BROKE THE LAW *** NATIONSTAR BROKE THE LAW BY COVERING THESE FACTS UP *** AND NOW EVERYONE IS HIDING FROM EACH OTHER HOPING WE JUST GO AWAY ... THERE IS A 0.0 % CHANCE OF ME GOING AWAY WITHOUT JUSTICE IN THIS CASE ... I FOLLOW THESE LAWS EVERY DAY ... I EXPECT EVERYONE ELSE TO DO THE SAME WITHOUT QUESTION ... ALWAYS XXXX XXXX ANSWERED THE PREVIOUS COMPLAIBTS FALSELY AND ENTHUSIASTICALLY ... SO WHY BE COY NOW??? YOU BROKE THE LAW,,, FACE THE CONSEQUENCES. I CAN NOT SELL STOLEN GOODS OR MISLEAD PEOPLE BY HUNDREDS OF THOUSANDS PF DOLLARS ... AND NEITHER CAN THEY. WE ALL FOLLOW THE SAME LAWS ... SOME OF US JUST NEED FINES AMD PRISON TIME AS REMINDERS. WE HAVE PROVEN FRAUD ... NATIONSTAR CONFIRMED FRAUD AND LATER COMMITTED THEIR OWN FRAUD ... SO WE ARE EXERCISING OUR RIGHT TO IMMEDIATE LOAN FORGIVENESS. IF THEY REFUSE TO COMPLY ... I ALSO WANT THE RECORDING MADE OF MY XX/XX/XXXX-XX/XX/XXXX PAYMENTS AND XX/XX/XXXX TO XX/XX/XXXX PAYMENTS IN XX/XX/XXXX ... WHERE NATIONSTAR COMMITTED WIRE FRAUD BY TELLING ME THEY WERE APPLYING PAYMENTS TO MY ACCOUNT WHILE SIMULTANEOUSLY STEALING THEM AND NOT PAYING PRINCIPAL AND INTEREST FIRST AS REQUIRES BY THE RESPA. ALSO ... WE HAVE ESCROW FRAUD IN XX/XX/XXXX. I IMMEDIATELY PAID THE ENTIRE ESCROW SHORTAGE FROM THE ANNUAL REVIEW OF XX/XX/XXXX AND IMMEDIATELY GOT A DEMAND LETTER FOR MORE MONEY AND ANOTHER ESCROW SHORTAGE ... THEY CONTINUE TO USE COMPUTER FRAUD TO STEAL $ $ $ AND LEAVE CONSUMERS STRUGGLING TO KEEP UP WITH THE CONSTANT DISHONESTY.
Please see below, the message I attempted to send to Ditech, but which, of course, the website bounced, and did n't accept : It 's unclear whether ditech is incompetent or fraudulent, but either XXXX is XXXX unacceptable. 

Due to absolutely incomprehensible and irregular statements received from ditech over the past month, showing numerous errors, fraudulent fees, missing funds, and an INCREASING Principal Balance, I 've spent over 8 hours doing my best at forensic accounting and have found that ditech has lost or stolen {$1200.00} of the money I 've remitted between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Errors include but are not limited to : 1. The site 's Payment History shows receiving a payment of {$800.00} on XXXX/XXXX/XXXX, but the XXXX/XXXX/XXXX Statement does not reflect a payment. 
2. A Late Fee was applied for the payment you lost on the XXXX statement 3. You applied {$740.00} to Principal in XXXX, when you should have applied {$260.00}. It looks like you tried to fix it in XXXX, but made a {$14.00} error in your favor. Convenient. 
4. Then in XXXX, when you tried to fix it, you did n't apply the Principal Due ( that I paid ) of {$260.00}. Where did that go? 
5. Since XXXX/XXXX/XXXX, I 've remitted {$1600.00} over the minimum payment due, and you have applied only {$610.00} of that overage to Principal. Yet the most recent Statement I 've received ( XXXX/XXXX/XXXX ) shows NO Funds in Suspense. Where is my money? 

To top it all off, on XXXX XXXX, XXXX, I received a letter on ditech letterhead stating that MY ACCOUNT HAD BEEN REFERRED TO A DEBT COLLECTOR. 

Fix. This. Now. 
And call me. 
XXXX XXXX XXXX
I have a student loan with American Education Services. This is not who I originally received my monies through, but my loan was sold to them. For the past almost eight years I have been making biweekly payments to lower my balance and in turn keep the amount of interest down. The amount still owed after all this time is still more than what was originally borrowed!!! How can this be??? I was in banking/loans for 15 years!! What they tell me is bull on a cracker!! They are in the business to rip people off!! Look at the reviews on line. You can not get a straight answer from anyone!! This is terrible and should not be allowed!
report to XXXX XXXX XXXX XXXX. Still not on my cr report i dispute the collection. XXXX   XXXX put on both XXXX XXXX equfax collections. XXXX  never bill me since XX/XX/2018. I took the free trail for 30 days and return all equipment. Now in XXXX I am in collections. now they say its a installment fee. Sales dept in XXXX when i order it, they said there is no install fee. I am tried of their lies just to get a sale, com, promo. This unfair business practice needs to stop. I want the XXXX off my acct.
I attended XXXX and fell for there scam of being able to learn about computers with knowing nothing at all and felt overwhelmed to say the least about there whole process but they keep passing you along even though you do n't do well in the class ( es ) when come time to place me in a job like they promise there was nothing to be found and now I am stuck with all these loans that they were not clear on. So I have struggled ever since to try my hardest to pay these loans off and they keep piling up. Now that the school was actually deemed fraudulent and has closed I do n't feel like I should have to pay the rest of the loans off. I have tried to explain this to everyone I talk to on the phone but they do n't care or listen to what it is I am saying. Now I did a loan forgiveness and thought it would help out since they have been taking my income tax return for the past XXXX plus years but the loan is still accruing.
On XX/XX/XXXX, XXXX XXXX called my cell phone. The representative asked for my husband. I told him that the cell phone number belonged to me and asked what it was about. He refused to answer. By then, I looked up the company 's name and learned that they were a debt collector. So, I requested to speak to a manager. When the manager answered, I explained that my husband was in the hospital and requested that they mail all information to our home address. I gave the manager our home address for written notices and asked that they stop calling my cell. Despite my request, XXXX XXXXl representatives keep calling my cell. After my request, I got at least 5 new calls from XXXX XXXX. Further, as ofXX/XX/XXXX, we still have not received any written notices from XXXX XXXX. We don't know what debt they are trying to collect.
National Credit Systems Inc sent me a letter XXXX XXXX, 2016 offering to reduce my debt if I sent the money in by XXXX/XXXX/16. But they did not send it out until around XXXX XXXX after speaking to the male supervisor it was clear that the intention was never to allow me to pay the reduced amount of XXXX. There was no date on the envelope sent by the credit company so they could and did say that the letter was sent before the closing date on the letter, and blame the postal service for the delay. The supervisor is very disagreeable and rude and seem to be counter productive to getting the companies payments from the customers. This supervisor places on my file what he choose to, after I asked him to put on my file that I am willing to accept their offer of paying XXXX but I could not afford to pay the full amount of XXXX. This debt was bought from the XXXX XXXX XXXX in XXXX Michigan. I feel that the National Credit system is deliberately misrepresentive of their offers to reduce your debt because they do n't give you time to respond to these requests and blame the postal service for being too blame for the delay when it is clear that if they had sent the letters out in a timely manner I would got it in time to respond to the offer they sent me.
Consumer Finance, I contacted Navy Federal Credit Union ( NFCU ) on XX/XX/2017 to reactivate an old savings account over the phone. During that time on the phone with NFCU at NO time was I informed or authorized anyone to hard pull my credit. On XX/XX/2017 I was then notified by my Credit monitors XXXX, and XXXX that NFCU pulled a hard pull of my credit w/ out my authorization. I contacted NFCU customer service regarding this and they suggested I file a dispute with XXXX to fix the issue. I contacted both XXXX, XXXX, and XXXX to dispute this incident due to the fact I did not give permission for this pull or was I neither informed by NFCU it was going to be pulled. XXXX provided me with instructions to dispute NFCU 's mistake ; I contacted NFCU the same day to start the dispute process. All NFCU needs to do is to provide a letter. To be exact a Deletion Letter for Inquiry. Then I am required to mail said letter myself to XXXX along with a Cover Letter, and my XXXX File # XXXX. TransUnion will then be able to delete NFCU 's unauthorized mistake from my credit. Unfortunately, NFCU will not provide me with such letter after many attempts requesting it. I even suggested NFCU to call me so I could conference them in with XXXX so they could repeat the process to NFCU to fix the issue NFCU created. Consumer Finance thank you for taking the time to look over my issue and helping to resolve it. Respectfully, XXXX
Loss mitigation paperwork filled out any sent in, denied because lack of earned income. So, then I was able to fill out another one because I got income. I turned it it, with 7 days of foreclosure like the new letter stated. When they received it, they said I only had business days and real time. They discriminated me, I filed a complaint, they denied it but postponed foreclosure. So I was able to fill out loss mitigation paper work again on XXXX/XXXX/XXXX due by XXXX/XXXX/XXXX as stated in the letter. I filled it out and had it sent in by XXXX/XXXX/XXXX but they did n't receive it until XXXX/XXXX/XXXX ; but they did n't accept it because they stated that there was a different due date then what the letter stated. The problem is on XXXX/XXXX/XXXX they denied me my rights to loss mitigation, they are n't following the laws of SS 1024.41 ( h ) ( 2 ) deadlines. They are not honoring the letter and now there is only 3 days until foreclosure. 

They have been evading my application all year. And as soon as they found out I had a XXXX they acted like I already lost it and would n't accept my application. This is for US Bank, XXXX. 

They never sent me a denial letter and I read that they should n't be able to continue the foreclosure process until I do receive it. I have heard nothing. I am a single parent doing everything they requested and still they denied me what the letter said was available to me. I followed the guidelines, I still have the letter with the deadline of XXXX/XXXX/XXXX. They changed their rules and did n't tell me.
The loan is XXXX and the interest still builds up and I 'm on a payment plan.
on XX/XX/XXXX we were late with a payment I called in made the payment that was late and was told fees would be waived. on XX/XX/XXXX a XXXX dollar fee was charged. and online it showed a XXXX dollar fee. we called in and were assured there was no fee but that we still owed XXXX cents which was weird but for XXXX i wont wast my time. on XX/XX/XXXX the XXXX was paid and again we were assured we were current with the loan. on XX/XX/XXXX. 1 day. before the next due date. we were charged another XXXX dollar fee. I beleive i am being constantly targeted for fees becauae i have had so many in the past
The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
I have requested numerous times in writing and via phone that I want to receive my statements. I received them for a short while but as soon as I switched to paperless I no longer have access. I am trying to refinance and leave this nightmare company and just need a copy of my most recent statement. Hey will not give me one unless I submit in writing again to their research department a request to receive statements. They said it will then take 30 days for a response. All because of a bankruptcy flag from 6 years ago before I was even with t hem ( th ey purchased my loan from  XXXX   ).
I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.
On XXXX XXXX, I placed a payment of {$100.00} on my account with XXXX, which was over the minimum amount due on an account with the balance of {$3200.00}. On XXXX XXXX, I posted a second payment for the rest of the balance due of {$3100.00} that was the balance on the account on that date. On XXXX XXXX, after there was {$0.00} balance on my account, I was charged interest in the amount of {$44.00}, with that amount due during my next billing cycle. This was also after I had ONE late payment ( the only one in my credit history ) with XXXX, and they instituted a penalty rate on my card AND decreased my credit limit to make it appear that my card was maxed out, without notifying me, several months after the late payment occurred. This ended up hurting my credit score, when I otherwise had excellent credit and payment history.
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian
I had XXXX and was out of work for awhile and not able to make my payments I defaulted on my loan and it went into collections about a year later I started getting settlement offers in the mail I responded to the offer of 1/2 price of the {$510.00} On XX/XX/2017 I spoke with XXXX the manager of security finance and told i would paid the settlement of and I would send him an accord and satisfaction letter saying he agrees to the settlement of {$250.00} as payment in full and he agrees to removed the account off my credit file. XXXX signed to letter and sent it back to me and I made the payment per the terms of the accord and satisfaction letter.payment of {$250.00} was debited from my account on XX/XX/2017 and in XX/XX/XXXX I applied for a loan to get a car and was informed that I have a 30day late payment from security finance and that I owe {$430.00} still. I was turned down for the loan for because they are reporting that I am 30 days late and that I still have a balance of {$430.00} with that on my credit report it dropped my score from XXXX to XXXX
In XX/XX/2011, I lost my job. I worked with Bank of America to place my loan in forbearance, but they would not allow it. After 12 months, and {$27000.00} later, they gave me a partial claim and destroyed my credit. They continued to tell me not to make the payment as it would force FHA to allow the partial claim. As a result, I have horrible credit, I have been denied loans and credit, and what I have been offered are astronomical rates and sub-prime lending. This is not fair!
On my new Experian report dated XX/XX/XXXX, I have an inquiry on my credit report from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, CT XXXX, and dated XX/XX/XXXX that I do not remember seeing on a report before. To the best of my knowledge, I have never done any business with XXXX XXXX XXXX at any point ever.
Hunter Warfield was hired by XXXX a property management company and is trying to collect rent from I lease of an apartment I had to move out of because it flooded and there was mold left in the apartment after the repairs. I have several e-mails where the management is apologizing for the constant alarms in the middle of the night due to defective fire sprinkler systems. For two months I had to stay in hotels and on my return I found the apartment was not properly repaired. I made several attempts to have the mold removed but the repairs were not done. I was forced to move out leaving three months on the lease and they refuse to take it off my credit report now costing me more in interest rates for loans. I have photo 's of the flood as well.
I sent a wire to Coinbase company on XXXX/XXXX/XXXX and per their web site it should credit my account same day or next business day, till date XXXX they dont reply to my inquires nor do they have a phone number to call them. I emailed their bank XXXX XXXX bank and they told me that they received the wire same day I sent it and credit it to Coinbase account. They have kept my money for 5 days and Im getting no where with them and feel I got scammed or they are utilizing my funds to make profit. Please help me as I feel so desperate at this point Wire amount {$15000.00}
XXXX XXXX for lowes charge card knows I received my social security check on the XXXX XXXX of every month .I had my due date for payment due on the XXXX or abt.without knowledge and sending me any bill by paper billing in which I get for all bills, suddenly stop and they change my due date to the XXXX!! .I always paid {$100.00} on my bill every month even tho the amount due is {$75.00} month.they charge me for late fee.and want {$23.00} for late fees. I REFUSE TO PAY THIS .they will not forward nor waive the late fees and they claim I have to call customer service to change my date back to the middle of the month..i ask the first call I made to change my due date BACK and she refuse to .ignore my request and went on the torrade of the late payments and the other day a customer service said I miss several months and my bank denied this and every month my payments been made and never return!! they lied! i.
On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.
The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. 

To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information