WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is being emailed and sent to : The Offices of XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar Mortgage and copied to : The Office of XXXX XXXX - Texas Attorney General The Office of XXXX XXXX XXXX County District Attorney The Office of XXXX XXXX Finance Commission of Texas The Office of XXXX XXXX Texas Department of Banking The Office of XXXX XXXX Consumer Financial Protection Bureau This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because Mr. Cooper/Nationstar Mortgage has not acted in Good Faith as it pertains to my mortgage and what has transpired since Hurricane Harvey and the forbearance that was offered to us as a result of the storm. 

After Hurricane Harvey, Nationstar reached out to us and offered a forbearance for our XX/XX/XXXX XX/XX/XXXX payments. And, that the 4 payments would be put at the back of my current loan. We were told that we didnt have to fill out any paperwork and we would begin making our regular monthly payments again in XX/XX/XXXX. When I reached out to my loan specialist XXXX XXXX in early XX/XX/XXXX, I could not reach her. I was directed to the general customer service department. I was informed that ; 1 ) many clients were in a similar situation as I, 2 ) Mr. Cooper was behind in processing paperwork, and 3 ) I would receive my paperwork no later XX/XX/XXXX. From that point for the next several months, I received a different response ( every time I called ) as to the status of my loan and the forbearance. I was informed on several occasions, however, by multiple customer service representatives ( and supervisors ) that my account was still under review and to not make a payment ( I have recorded conversations to verify this ). 

After contacting Mr. Cooper for the 20th time in XX/XX/XXXX to resolve my delinquency, I was informed by a customer service manager that we didnt qualify for the forbearance ( because we were behind on our payments ( which was inaccurate ), and that we needed to start making payments. We made our XX/XX/XXXX and XX/XX/XXXX payments and when we attempted to make our XX/XX/XXXX payment, we were prevented from doing so. We were also told that our account was again under modification review, yet we could only make a payment if we could pay the past due balance in full. 
We were not offered a reasonable solution to cure our mortgage delinquency. 

We are simply seeking a resolution to this matter, in good faith, by Mr. Cooper/Nationstar Mortgage. We were originally offered a forbearance ( in XX/XX/2017 ), not a loan modification, and we are asking that our loan servicer and investor keep their commitment. Had we been offered a modification, we would ( and could ) not have accepted their offer.
I 'm in the middle of a foreclosure modification with Bank of America. Bank of America has refused to answer the phone, return my voicemails. Bank of America has filed a Lis Pendens. I have a contract to sell in order to avoid foreclosure. Bank of America 's attorney told me that my mortgage was being served by XXXX. I want to avoid foreclosure but Bank of America will not communicate with me.
Experian put my first name incorrect and inaccurate.My first name is " XXXX '' but Experian before put XXXX and now XXXX.Because of my incorrect name, inquiries from different companies and other credit information do not add with my Experian credit report.So my credit report generated by Experian is incomplete, inaccurate and no credit score generates.several times I called them to fix it but they said, they could not able to fix my first name.when any company is getting credit report from Experian, because of incomplete report, they are refusing my credit or permit, license.Recently Massachusetts state Lottery Commission declined my Lottery agent application because of incomplete Experian credit report. while other XXXX Bureau like XXXX and XXXX are generating correct report and updated scores, they have my correct first name and all information.If other XXXX bureau have my correct name why Experian can not able to do! I do not need inaccurate and incomplete credit report because inaccurate report misleading the inquiry companies, they are misunderstanding about my credit performance.By law Experian have to use my accurate personal information because they are doing business using my credit report but Experian is refusing to fix my name.
In the latter part of XX/XX/2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
on XXXX I was contacted at XXXX on XXXX I was called not once, not twice not even three times but 5 times after 2 messages were left on the same day not even 2 minutes apart both a minute long. I have been in constant contact with this company to advise them I was part of a settlement program and the lady very rudely told me she had no idea what I was talking about. I have been with this company since XXXX and have been in constant contact. My husband will be leaving for XXXX soon and my mother will be going through her XXXX after battling XXXX. this has been a rough 8 months and I have kept them informed every step of the way so for them to harass and call me and not have anything notated of what is going on is absurd and frustrating disheartening. We turned the car in on XXXX/XXXX/XXXX at XXXX I informed them of that. we do not have another car and we were told the payoff was sent on XXXX/XXXX/XXXX. I can not control the situation but it does not give them the right to harass me.
About 1 month ago,  Paypal  started to withhold 20 % of payments made to me and put them in an escrow account for 90 days. They said it was to protect them against refunds/returns. That 's a bunch of   XXXX   since I have never had a return with them in the over 12 years I 've had an account with them
I received a call from someone who said I needed to call another number so she could stop from sending legal papers to sue me. I called that number and the person was so abusive, he had me in tears and said I could pay at a discount but had to pay that day or legal steps would be filed. This bill was supposedly for a XXXX home security system that was at my daughters house and I had unsuccessfully tried to settle two years ago. This call happened on XX/XX/2015. The number I was told to call was XXXX. I feel so stupid and this whole situation has been tough on me. I should have known better. I paid with my credit card because I was so intimidated. Now I feel devastated.
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called JH Portfolio Debt Equities stipulates that they purchased the debt from XXXX at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that JH Portfolio Debt Equities can not collect, they sent the collection to a new collection agency called XXXX. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.
I recieved a call from XXXX XXXX XXXX XXXX ( XXXX ) XXXX concerning a debt from XXXX XXXX XXXX in 2010. He represented himself as a lawyer contacting me on their behalf to collect. I informed him that i had paid this debt and explained this to others that have contacted me concerning this matter. I also informed him that i have in my possession a paid in full letter that could be sent if he mailed or emailed me confromation of who he was and the business that he repersented. He then became rude and stated that he would not mail or email any corospondiance to me and would take this as a refusual to pay and would see me in court. I stated to him that i had visited the establishment that was said i owed monies and was told by its employees that i had no account in their system. He then responded that he would just see me in court seeing i was refusing to pay and hung up the phone. I have contacted my legal represenitive and forwarded this same information.
Please see the attached document, entitled, XXXX XXXX Breach. This letter is a very detailed documentation of my victimization and whereby, funds were stolen from my XXXX XXXX Debit Card and although I reported timely, XXXX XXXX denied my claim and refused to reimburse the more than {$700.00} taken from me through the unauthorized use of my debit card. 

This letter was sent to Ms. XXXX XXXX, Senior Vice President with Comerica Bank, more than 2 months ago. I faxed this letter directly to her office and subsequent to my fax, followed-up with a phone call to Ms.XXXX   's personal assistant who advised me that all 5 pages of my fax had been received and she was placing them on Ms. XXXX 's desk. 

I've called to speak with Ms. XXXX no fewer than five ( 5 ) times since having sent the fax. She's never returned a phone call, e-mail, or in anyway has she acknowledged receipt of my documentation, nor acknowledged the egregious behavior of XXXX XXXX.
i had a balance on a pay day loan to Multiloan Source of XXXX. The account was submitted to collections. I started to receive phone calls from a XXXX XXXX at XXXX XXXX at work and even called my brother who not even listed on any of my information.They call threaten and try to shame and pressure me to give my card number over the phone. They leave a claim number only. When I call back they state the courts would love have my case and it on the mangers desk. I asked for written proof they send an email with no contact address or contact name. When I asked they nasty and hung up. Called Muti loan Source refer to XXXX XXXX auto refer to XXXX XXXX XXXX get a message XXXX XXXX away from desk leave a message. This has happened several times. 
My original Account # is XXXX bal. XXXX XXXX claim # XXXX Multiloan source XXXX They state they do n't know who account may have been given too.
XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!
Transunion is reporting a Credit Collections account on my credit report that is not mine. I have never done business with this company and I have never been sent any bills, notices or paperwork telling me that this is my debt. The account number on my credit is " XXXX '' and the amount on my report is {$240.00}. I need Transunion to delete this account because it does not belong to me. I have a common name and this is not the only time Transunion has reported someone else 's information on my report. I have disputed this with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To this date, nothing has been done to properly process my dispute.
I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again.

I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again.

They are also using a robo-calling device to call my cell phone. This is also illegal.

I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.
Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own
I made a change to the withdrawl date of my car payment, last time I had chosen to change the date I had spoken to XXXX that informed me I had the option do so so myself online and make changes without having to call the office. I took it upon myself and followed through online, I came to find out today that there were XXXX withdrawls on my account which are not authorized. I called the financial institution and was told XXXX XXXX that I had set up XXXX accounts, the rep cancelled the 2nd withdrawl but informed me that it was my fault therefore there was no refund to be made.She apologized for the miscommunication but that is not what I had been told.
I received Declaration from The Moore Law Group in XXXX. If I fail to pay the amount of XXXX will enter the judgement. I don't know what's that mean. First of all my XXXX debt was already removed from my credit report because it's a long time credit starts somewhere 2001. Please advised.
I called the credit issuer to request a payment change date and they would not change the date unless I made a payment on the current due date. If I was able to make a payment on that date I would not be requesting to have the date changed. The representative was not pleasant and also not very helpful
I received a called from wertern sky stating I have a default loan from XX/XX/XXXX of XXXX which is now XXXX. 
I did n't take the loan out with WS but with XXXX. WS had made several calls to relative and friends giving out by social number and threating to send legal documents for me for court. I have n't heard from WS nor XXXX in 5 years. It 's my understanding that CFPP filed a lawsuit for unlicensed loans XX/XX/XXXX. 
The representative who called was very rude not only to me but to the others who they called looking for me.
I have been working with ocwen for the last 8 months every time I send them some papers they called an tell me they need something else I get so upset at them they also tell me that they can change my monthly payment an they just keep chargeing us more an more my home was XXXX an now they say I owe XXXX an that 's not right can some one please help me I get so tired dealing with them they tell me every time they need more papers an then they say we ca n't put your back payments behind the loan I do n't understand why they ca n't an the people are very rude an some of them you ca n't understand all we want is for them to put the back payments at the end of the loan an we want them to quiet charging us intrest every month an then they told us they were going to foreclosure on our home an I told them that we want to keep our home they said they got to do what ever they need to do my nerves ca n't take much more an they will not take our payment unless we give them XXXX
I accepted a loan from Castle Payday of {$1000.00} on XXXX XXXX. I was informed my XXXX payment would be due on XXXX XXXX, 2015. On XXXX XXXX, 2015 my personal bank account was debited {$500.00} for a service fee for CastlePayDay. I was not informed of such an absurdly large service fee on a {$1000.00} loan nor did I accept or authorize the service fee be deducted from my bank account. Had I been made aware of service fee that equals 50 % of the loan amount, or half the loan value, I would not have accepted the loan initially. I called the company asking 1. ) what {$500.00} fee was, 2. ) why is it so large 3. ) i was not informed of nor did I authorize the service fee be deducted from my account. I requested Castle Payday to reverse the transaction and credit my account back the {$500.00}. CastlePayDay refused my request. The charge to my personal banking account with XXXX was then overdrawn because of the unanticipated transaction by Castle Payday. I have filed a Statement of Unauthorized Electronic ACH Payment with XXXX Bank. Attached is additional supporting information. Thank you. XXXX XXXX
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected.
I've submitted two requests for the same paid off account with two credit reporting agencies and they have removed the collection. XXXX   wasn't contacted for some reason and they still have it listed and it's hurting my score. XXXX XXXX XXXX and XXXX XXXX # XXXX opened XX/XX/XXXX has been paid off since XX/XX/XXXXthe number listed on the report is XXXX. I pray that these agencies would and banks would just do there jobs. Your help will be greatly appreciated please!
I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " PINNACLE CREDIT SERVICES, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. THIS CASE OF PINNACLE WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER DISCHARGED UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!
XXXX, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed XXXX ; no payment was ever made to XXXX. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, XXXX continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). XXXX 's per se unlawful explanation for XXXX 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because XXXX XXXX XXXX XXXX XXXX, XXXX, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, XXXX is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : TransUnion has received numerous requests from me to permanently remove XXXX 's per se unlawful duplicate student loan report from my TransUnion credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If TransUnion does not promptly ( within 10 business days ) permanently remove XXXX 's per se unlawful XXXX duplicate student loan report report, I will have no further option but to bring both XXXX and TransUnion to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. XXXX and TransUnion have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report
I have use carecredit/synchrony bank at XXXX $ for my dental service. I had paid two time XXXX at each time. Now I still owe XXXX left. now, they want to charge me a penalty fee over XXXX $ dollar because it was over due.I have make too many phone call asking them please send me a bill atleast one week before due date even so I wrote a letter to them at my second payment. they never send a bill at all or email as I request. They lied to me when I talk with the manager. He said he send email in spam, but I check it was nothing in my spam email address at all. They also call and hang up on me. they also put me on hold so long while I m at work and kept ask me the same question name address and email address over and over. I am seeking a solution to resolve this matter or else they can report to collect agency which is decrease my credit score.
Collections Accou nts Skim disc over after conducting an investigation in conclusion this account is a result of identity theft 1. This account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same debt Syndicated office systems and Central Financial Control claiming total control of the accoun t 2. An other thing to note as is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.      3. Whe n I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by  XXXX  4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person  HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA fo rm when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation Because of what was explain above I demand for this to be delete immediately from my credit file from all  XXXX  credit reporting agencies and provide to me in writing that this request was complete Also if there is any documentation that they have that could help to the investigation have documents send to me by mail to the mailing address they have on records of me so that I can present them to the investigation team It is clear that this alleged account and the services provided my personal identification was used as a result of identity theft