WillisBack/dataset-financial-user-claim huggingface dataset:
I have a credit card from Chase Bank XXXX This account was closed as of XXXX/XXXX/XXXX. 
Chase is reporting this account late and in default. 
I had filed a complaint in XX/XX/XXXX, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately
I have disputed unauthorized inquiries that are appearing on my Experian credit reprt and they have not been removed. I have filed an identity theft report, which I attached a copy here. After filing an Identity theft report, and placing a fraud alert on my credit reports, I am trying to have all fraudulent and erroneous information removed. I would like Experian to remove the following inquiries : -XXXX   on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX of XXXX  on XX/XX/XXXX -XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX I would also like an updated copy of my credit report sent to my address on file once this information is removed.
On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.
This is my 2ND complaint to CFPB regarding the same problem with Nationstar Mortgage. My original  XXXX  # is  XXXX  and was submitted on  XXXX / XXXX / XXXX .  XXXX  ationstar Loss Draft Department was and continues to be a MAJOR problem du ring our claim to our Insurance company and reconstruction of our home. They have delayed the progress of our project and has now made us incur costs for extended temporary housing beyond what our insurance carrier will reimburse due to the continued delays. Furthermore, our insurance company has threaten to enforce a deadline to limit us on replacement costs coverage which is only available upon completion of repairs. Please refer to our prior complaint under above referenced case number for details. Fortunately after our first complaint to your offi ce ( CFPB )  on  XXXX / XXXX / XXXX , Nationstar responded promptly by issuing initial {$40000.00} draw of our reconstructions funds by  XXXX / XXXX / XXXX . As of today they continue to withheld over {$33000.00} from our insurance claim funds for disbursement after inspection of 50 % of reconstruction of our home. Since  XXXX  of  XXXX  we have tried to schedule this inspection with Nationstar Multiple times, they have accepted our requests and advise inspector will call to schedule, after waiting days with no calls, we follow up with  Nationstar  to find out every single time they CANCEL the inspection without any notification. They have said inspections has been cancelled by mistake, other times it has been cancelled due to lack of documentation.. when we have provided them with EVERYTHING. We have created an account through their  XXXX  website their automated system asks you to go to for updates, but the system continues to tell us our case requires special handling, it is no use to us. Their Loss Draft department is incompetent, no assistance, no moving forward, no follow up, non of the employees seem to even understand the claim process, never take the time to read our case information, continues to give us contradicting information, excuses for non cooperation. We have provided their Loss Draft Department with a COMPLETE AND DETAIL Information, emails, reports between our insurance company, the work performed on our property as well as additional information to assist them in managing our funds properly. At this point our house has been sitting at approximately 60 % completion since  XXXX   XXXX , pending additional funds currently withheld by  Nationstar and as of the moment we are still waiting to the mercy of someone at Nationstar willing to help us. We have spent so much time, hours, efforts, energy, stressful phone calls. We want to move back into our home and Nationstar seems to have no consideration for our current situation. They have taken our claim funds once again hostage and treat these fun ds as they were additional loan funds ... THIS IS RIDICULOUS. How does this company even hold a license as a loan servicing company when they can not distinguish the difference between loan funds and escrow funds or insurance claim funds. PLEASE HELP!!
XXXX F XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX A XXXX XXXX # MEDICAL XXXX # XXXX XXXX F XXXX DOB XXXX XXXX XXXX, FL XXXX
Back in XXXX 2014 my now ex-spouse used my AAFES XXXX XXXX. who was at the time an authorized user. Charged 6 straight times XXXX, on my credit card what she did was buy XXXX gift cards to a tune of over {$6000.00}. at no time did the credit card company notify, advise me, or verify if these transactions were authorized. the same amounts every day for 6 days should have raised a Red Flag. and when I did try to dispute it all I was told was she was an authorized user. now since this is a government institution, they are able to garnish my money. which they have to include my Fed tax refund. interest continues to accumulate on this account, late charges. the charges they are attempting to collect through a collection agency is now almost XXXX they are not going after her or her taxes. just me where is the justice. need help!
The collection agency ( which operates under two separate names ) XXXX XXXX XXXX, as well as XXXX, reported a collections account on my three major credit reports for a XXXX collections account for {$420.00}. I have proof this account was paid directly to the original creditor, XXXX, prior to this agency attempting to collect the debt from me. Furthermore, I never received any notification of this debt or had the ability to dispute within 30 days because the agency was not contacting me at an accurate address. I provided the proof to both of the debt collectors operating names that the account was paid in full prior to their attempt to collect the debt. 

The have refused to remove the account from any of my three major credit reports, and I have now retained counsel to file charges against them regarding this matter, including punitive damages.
I called Specialized Loan Servicing to make a monthly payment and they refused to accept my payment. I was told that they would not accept a payment of {$800.00} ; which is one ( 1 ) month payment that the payment had to be one ( 1 ) month payment + half a payment. This is not the first time they refused to accept my payment ; in XXXX XXXX they accepted a payment of {$780.00} ; however in XX/XX/XXXX I was informed that they did not accept that payment and I needed to pay the new amount of {$800.00} ; an increase that I was not aware of. I did pay the amount requested, however it then put me at 2 months behind in payments. I have paid the {$880.00} up to this date and they have accepted the payment, however today XXXX XXXX, XXXX they refused to accept the payment ; which would put me at XXXX ( 3 ) months behind. I have been working with the Loan Modification department since XXXX XXXX.
I closed on a mortgage with Citizens bank over a month ago and they keep telling me that they have 'lost the loan ' and I need someone to actually 'find it ' and set it up so that I can start paying it back. Additionally they held back funds for me to complete landscaping outside my house and will not release them nor have they been able to get anyone out to review the completed work to release the funds.
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance owed.
Will not reinvestigate XXXX. The XXXX is wrong and it should 've fell off my report already. Did not investigate XXXX XXXX fully. And I did not authorize that dealership to run my credit at all.
I was trying to get some help from my lender Chase Bank by modified the loan due to reduction in my income, instead of helping me they always harassed me and taking too much time to take decisions, they asked me to submit a application like XXXX different time, one time they offer me forbearance agreement and asked me not pay your mortgage for two months and then they withdraw the agreement and I fall behind for three months payments, On XXXX XXXX or before the escalation department representative call me and offer payment plan and ask me to pay at one month payment then I will arrange a payment plan and did one month on XXXX XXXX, 2016, when called for payment plan they harass me so badly and told you must pay total outstanding or you will lose your home because you promise to pay total amount on XXXX XXXX, 2016, I told them that I just promise to pay only one month not three month but they deny me and lie to me and almost gave me XXXX XXXX by using harassing language, please help me and impose very heavy penalty on bank.
I continually receive  up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on  XXXX  and this problem increases my  XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.
I

returned a bunch of items to XXXX  for a refund and I did not get a refund so I went ahead and disputed them from XXXX  and I lost the dispute as XXXX  provided docs. saying the items were delivered. Now of course these items were delivered as I received them but the issue here is I returned them and got no refund. Below are the items and tracking numbers. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Each XXXX XXXX XXXX is {$290.00} ( $ XXXXx4= {$1100.00} ) XXXX XXXX is {$440.00} Total Owed to me : {$1600.00} Transaction took place XX/XX/XXXX The one for the computer might've been a bit earlier. 

Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX The above are XXXX reference numbers associated with this showing I requested a return also.
I spoke with a debt collector for PREFERRED COLLECTION AND MGMT at ( XXXX ) XXXX physically located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Their mailing address is XXXX XXXX XXXX XXXX, FL XXXX. The call was made in regards to these two accounts XXXX {$120.00} and XXXX {$83.00}. She informed me of multiple debts in their office. However, she never gave the Mini Miranda. She never informed of her attempt to collect the debt or that the call may be monitored or recorded. In addition, this debt collector was practicing unlawful and unethical practices. She refused to take a payment because the debtor was not making a payment on all of the accounts ( including the ones they could not provide a validation of debt for ). I offered to pay $ XXXX since they refused to take a 1-time payment on these two accounts. She refused to set up my payment arrangement and requested that I mail the payments instead.
Lexis Nexis XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Social Security Number : ********** To Whom It May Concern : In your letter dated XX/XX/2018, page 2 you acknowledge that under the FCRA that I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. 

I am requesting the exact method of verification used considering Bankruptcy Rule 9037 ( a ). 

REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.

Please note : You may not surmise that just because a name, partial address, partial account number, partial SS number, generation ( Jr., Sr. ), and or the 2nd or 3rd generation etc. is accurate. 

Therefore, based upon Bankruptcy rule 9037a above, the information many not be verified based upon assumptions.

Failure to respond satisfactorily with a deletion from your records within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
My loan was transferred to XXXX by XXXX in XXXX of XXXX. Since then, I have been trying to get my account back on in school deferment. At XXXX, my deferment was good through early XXXX. Supposedly the terms of my loan stayed the same, but my deferment did not, and XXXX claims my deferment expired, which is not accurate. Regardless, I have called XXXX numerous times since XXXX to help get me back on deferment. The first few months I was placed on short term forbearance. However, by XXXX they stopped that and started to require payments, even though I am enrolled. I sent XXXX emails, minimum, to XXXX, none of which received a reply. I started to get a collection call once a month, so on XXXX/XXXX/XXXX I called XXXX and spoke to a gentleman who told me that there was a huge backlog at XXXX, so that is why I received no reply to my email inquiry. I asked the man if XXXX goes out to the XXXX clearning house to verify enrolled & he said yes, they did and placed me on hold & then came back and informed me that he could see that " they '' were currently verifying my enrollment status and to " not worry '', in a few days they would be done and my in school deferment would be placed on the account and backdated and my credit would n't be affected. So, I assumed the man representing XXXX knew what he was talking about. Then, on XXXX/XXXX/XXXX I got another call from XXXX stating my payment is delinquent. Of course, the in school deferment STILL is not in place on my account. I called XXXX again on XXXX/XXXX/XXXX and spoke to a lady who placed me on hold for quite some time to " review '' my records, only to come back and say that I had to fill out an request form and take it to my school. When I asked why they could not use the information provided by the 3rd party clearinghouse XXXX, she advised me that, contrary to what I was told XXXX/XXXX/XXXX, they do not verify via a 3rd party. I asked for a supervisor, and I sure got XXXX! Who informed me that the person before DID NOT say what she literally just told me about the XXXX, that customer service does not assist with these matters they request another department, she does not know what the other department did, the guy on XXXX/XXXX/XXXX submitted a request, and the status of that request is that there " is no update '', however, she was not saying the XXXX was checked, and because my payment was late and the length of time it takes ( even though I have been trying to get this done for months ) require me to take time off work to get the In School Deferment request completed by my school. I confirmed on XXXX/XXXX/XXXX with my schools financial aid office that they have reported my enrollment information to the XXXX, so the information is there, XXXX just is not taking the steps necessary to assist me, every call I make I get a new person with a different answer, their customer service apparently does not have the means to assist the customers, and their managers are more interested in being combative than trying to find a solution.
Hello, On Saturday XXXX XXXX XXXX 2017 I changed my phone and lost my XXXX authenticator app. I followed the dedicated path on coinbase support ( I tried incognito too as suggested ) : 1. Unable to submit a one-time code? 
2. I have lost my Authenticator App 3. Completing the steps to recover my account : phone number - id verification - overview When completed I receive the following email : " Your identity and photo have been verified Success! Your identity and photo have been verified. '' If I click on the " buy digital currency '' button I am redirected to the login page, having the exact same issue, and being unable to login because the authenticator code is required. 

I do n't have the secret seed stored anywhere. 

This is the support link, but the procedure described as " If you 've lost the device with your Authenticator app and DO NOT have access to the secret seed code '' is not working because, as I have described, I am stuck in a loop : XXXX XXXX XXXX XXXX XXXX XXXX Although i received an email to say that my documents have been verified i still ca n't log in. When i type in my user name and password it prompts me for my authenticator code. however, i ca n't get that because i ca n't install authenticator on my new phone because the barcode i need to scan is on coinbase once you log in ( chicken and egg situation ). '' Coinbase support, when answering, suggests to log in the account and change it from the settings, which is impossible. 

Thanks
On XX/XX/XXXX, I ordered a cell phone from XXXX XXXX. XXXX offered me a 14 day window to return the phone with no cost. Prior to the 14 day window, I returned the phone without ever activating it. The return was processed and I received a refund on my credit card. I am an XXXX XXXX XXXX customer and do not have any other accounts with XXXX. 

In or around XX/XX/XXXX, I noticed that I was not receiving text messages from XXXX XXXX users. I contacted XXXX and they informed me that because of an error in their system, even though my phone was returned, they had assigned my phone number and account to a XXXX phone and my texts were getting lost in the system. I was told the issue was resolved. 

In late XX/XX/XXXX/early XX/XX/XXXX, I received a notice from CBE group, a debt collector, dated XX/XX/XXXX, seeking to collect {$180.00} in charges associated with the XXXX account that I never used. 

After several calls with XXXX and CBE, the last on XX/XX/XXXX, in which I sought to resolve the issue and asked that CBE purge my personal information from their database since I never owed the debt, I was told that the issue was resolved and that CBE was investigating whether they could remove my sensitive information. I have not yet followed up with CBE but when I last spoke with them they suggested that they would not remove my information which seems like a violation of the FDCPA. 

On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, acknowledging that my debt is {$0.00}, but threatening to report the debt to all major consumer credit bureaus as a " write-off '' and stating that it could damage my credit. 

I have spent countless hours on this issue and XXXX and CBE should not be allowed to get away with these threats because XXXX has even acknowledged that I never owed a debt because I never activated the phone and returned it within the allowed window of time.
I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion
Received a noticed on taped on a gate stating that we are being sued by XXXX XXXX XXXX XXXX. I do n't have a clue who this or what debt they are claim as it does not appear on my credit report. If they are attempting to collect as bulk debt perchaser they should have been made to send proof of the debt is owed by me. The documents they stuck to my gate even look fake and the note states that this does n't have to be settled in court to contact some shady law office of Scott, Parnell and Associates.
Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C
A mortgage I have on my home was recently taken over by Myloancare.com. They have been very difficult to communicate with since dealing with them. We attempted to make a payment and recieved an email confirming that a payment had been recieved, but we have not yet seen the money deducted from the bank account that I authorised them to use. I feel like I am being set up for them to forclose on my home and feel helpless to do anything about it.