WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, NMAC has sent me the attached written letter in which they responded to my CFPB complaint ( case # XXXX ). Within my response to this NMAC letter, please be advised that the 2 aforementioned credit inquiries ( dates : XX/XX/XXXX and XX/XX/XXXX ) that are currently reporting within my name are fraudulent. Also, and as per the request of this NMAC letter, I have attached the following documents for further investigation by NMAC : ( 1 ) Federal Trade Commission ID Theft Affidavit and ( 2 ) Identity Theft Police Report. NOTE : NMAC ( Nissan Motor Acceptance Corporation ).
I opened the online BBVA Clear Connect checking account online with promo code XXXX on XX/XX/2018. The promo is for a {$100.00} account credit after making an online payment to a water, utilities, etc. company in the amount of at least {$25.00}. There are no direct deposit, account minimums, or requirements to keep the account fee free. I have completed the requirements and have waited the 90 days but my account hasn't been credited with the {$100.00} online account opening bonus. I did contact BBVA bank  by phone sometime in XXXX about the bonus and was told to go into a branch location to discuss the issue. There are no branch locations in my state. I feel this is a trap because the online bonus doesn't mention anything about having to reside in a state with branch locations.
I am contesting the account with XXXX/XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX XXXX XXXX. to correct this account on my Experian report. I should not owe XXXX XXXX XXXX. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
After receiving a monthly statement from AAFES, I requested a total in an attempt to validate the debt. The reason for this was prior I showed a balance of {$500.00} according to my records. However, AAFES bill showed a balance of {$1800.00}. During the dispute my account was sent to collections and made the process extremely much more difficult than necessary. I made several attempts to discuss the bill prior to the account being sent to collections. As a long time customer and one that never has disputed even one charge, I feel that this is unacceptable. I simply was requesting an itemized statement to reflected the amount of the alleged {$1800.00}. So far in return all I have received is terrible customer service from rude representatives that is unjust. Finally, the statements AAFES did manage to send had the incorrect account number on them. Which is why I was under the assumption that those statements were inaccurate in the first place.
I was attending college to become a XXXX when I found out I XXXX. I was out on XXXX by my doctor due to being sick and XXXX. I told my program director about my issue and we decided that taking the rest of the quarter off would be for the best. A few weeks later I received a letter in the mail from the school stating that I was being terminated from the program due to my " lack of attendance '' and that I could not return back until my loan was paid in full. I had since been informed that there was no documentation about my request for the time off and that, since there was no proof, there was nothing they could do. I 've been applying for income based repayments and deferments that put me at {$0.00} payments but interest is still accruing. I now have XXXX children and I 'm trying to resolve this issue. I 've tried everything I can think of. Interest is still building and at this rate I fear I 'll never be able to get ahead. i just want this as resolved as I can possibly make it.
Our loan was sold to Bayview Loan Servicing , LLC from XXXX XXXX XXXX while we were undertaking a loan modification. We have made our 3 monthly trial payments ahead of schedule. We went to apply for a car loan and were shown our credit report. We discovered at this time that Bayview has reported to XXXX, XXXX, and XXXX that our mortgage is 90 days delinquent and that we also have a XXXX and XXXX mortgage ( which we have never taken out period! ) We are unable to attain a vehicle at this time because of this issue and did contact Bayview Loan Servicing , LLC, namely XXXX XXXX, after discovering this. After many attempts at making contact we finally were able to reach him the next day, in which he had stated that he had never seen a situation like ours before. He stated that in his computer, it had shown that we were, in fact, not delinquent on any payments but showed that we had multiple mortgages. He said he would contact us the following day with a resolution but has yet to make contact.
I had wrote a check, as part of an agreement with my mortgage company, that was post dated for XX/XX/XXXX. XXXX cashed the check a day early, XX/XX/XXXX, causing my account to become negative. The next day i was paid, the check was declined, and the funds were returned to my account. I was advised to place a stop payment on check XXXX, by the bank, and wells fargo. The reason for this is that XXXX would continue to withdraw my check. the bank charged me XXXX dollars to place a stop payment, aswell as XXXX dollars for an overdraft fee. The bank confirmed that the check would be declined if XXXX would attempt to remove it again. At this point i have a positive balance, and have made alternate arrangments with XXXX for payment. I begin to use the funds that are availible again, and on XX/XX/XXXX, am denied a purchase at a local gas station. A call to Citizens bank indicates they had allowed the check to hit my account again causing my account to become negative.
I have applied for a HAMP loan modification that I clearly qualify for based on this criteria. 
1. Primary Residence, 2. I currently have an interest rate over 2 %, 3. DTI over % XXXX, 4. Underwater on Mortgage, 5. Hardship due to medical issues from an auto accident. 

Suntrust is dragging the process out by telling us we need something different every week or so and they are not returning messages even though they say they will within 24 hours. 

So now we are not paying our mortgage and they are forcing us into foreclosure which they will try to use against us later.
There is a medical debt in which I agreed on a settlement set up the payments per our agreement XXXX charge went through and the XXXX the company is stating did not, I never received a call about this until a while later and now this company will not honor the settlement. If I new my HSA card did not process which I have no reason why I would have paid the remaining balance out of my bank account and now this agency will not take it. Please help
Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.
XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX  is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.
On XX/XX/XXXX I Sent a certified letter to Transunion asking them to remove the inaccurate inquires showing on my credit report due to the fact it is hurting my credit score now that I'm in the home buying process and that I never authorize the company the following company 's pull my credit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; But however i never received any update on my inquiry removal status or reasons they could not be remove. On XX/XX/XXXX I contact Transunion via Telephone hoping to  reach someone to help me with my current situation and also due to the fact inquires that fell off was placed back onto my report, but however again the customer service representatives where very rude and would not help take care of the negative inquiries reporting on my credit report. I have listed all inquires that is showing on my Credit Report
I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.
I shared with this collection agency, that XXXX XXXX is attempting to collect a debt through them that is not valid. I am asking the company to verify that this a real debt and proof of where I agreed to sign a contract with this company to keep or store my stuff beyond leaving the XXXX XXXX. In addition, I need copies to the bills that that XXXX reported they sent to my house prior to collection for prior years ( which never occured until XXXX. I offered to give company settlement they stated XXXX would not accept. I was then told that the illegal debt from the original biller would be on my credit if not paid by XXXX/XXXX/2016. I offered to pay or make payment of something. I am requesting that this not be placed on my credit or deleted until this company sends the proof XXXX has right to bill me ( copy that I signed contract with them ) which never occured to keep storage etc. 

I am also asking nothing to be placed on my credit and removed immediately if placed until this verification and or agreed upon outcome with XXXX /settlement with agency has had time to respond or develope. Please also note that I wrote via email for this verification over three weeks, Southwest stated on email today he would send ( but later denied ) stating ok I will send the letter and verification you request, the later claimed I was stalling a bill and oh he mailed to my home over 30 days ago. but earlier in email he stated he would verify and send. Point is he is trying to collect a an illegal debt and he is refusing my basic right for it be verified specifically with a letter or copy from original creditor where I signed to place my items in storage and keep my items in storage for a certain amount each month or payment terms or something. ( they dont have record of nor does the orginal company. So instead Southwest is claiming lies that I am stalling payment when I told him that if an agreement is not made I will be forced to pay a illegal bill. I am here for one goal solve this!!!!!!!!!!!! 

Southwest cant verify either nor did they mail anything to my home, because my contract for storage or signed information with that company does not exist and after agreeing to me he would send he then changed his course and lied stating that he mailed out thirty days ago. If that were true why would I have requested in writing verification 2 weeks ago and today? really? 



Please note I can email to someone the entire email conversation with Southwest today. and copy a few statements to verify this I was unable to upload proof but I can email later to your address. 






XXXX
I responded to the most recent denial letter I received. The denial letter states that I was denied due to a negative NPV test. Since they could not bring my payments down, i was denied for a loan modification. Well, in reviewing the inputs, I have realized that the calculations are inaccurate. I would understand why this would lead to a denial. The current interest rate is incorrect. I am currently at a 4 % interest rate and the rate that you have is 6.5 % which will not be occurring until next year. This would make sense why they couldnt bring my payment down. They are not using the correct interest rate.
My wife and I decided to refinance our mortgage this XXXX. I checked with a number of mortgage lenders, including our existing XXXX, and chose XXXX Mortgage, a division of Gateway Funding XXXX due to their offering the best rate and assuring good service. The originator I dealt with was XXXX XXXX XXXX, NMLS # XXXX ( his phone number is ( XXXX ) XXXX and his email is XXXX ). 
We locked in a refinance rate on or right around XXXX XXXX, 2015. This was for a very standard 30-year fixed rate mortgage that was eligible to be resold to XXXX of the big gov't agencies. We had just taken out this mortgage in conjunction with buying our home a few months prior, and had absolutely no issues or delays in doing so, based on our credit, income, assets, etc. 
We locked in the rate for the standard term and the rate was to expire on XXXX XXXX, 2015. This left us plenty of time to complete the refinance. Based on the rate we chose, Gateway agreed to provide us a lender 's credit of {$4100.00}. Rates started increasing right after we locked in our rate, so we were quite happy with the rate we got. However, through no fault of our own, Gateway took an extremely long time during this process. It took them a full week just to order the appraisal, which then took another couple weeks, and at every step, the folks at Gateway were very slow and unresponsive. We provided them all the information they requested without delay at every step of the process. I called them many times to ask them to hurry and they did n't even reply to my messages most of the time. Towards the very end of the rate lock period, when rates were much higher, they came up with yet another issue for delaying the process. This issue was a credit check that was done by some other mortgage company at the time I was checking rates in early to mid XXXX, and Gateway admitted it had been on my credit record all that time. Yet, they only checked my credit again right before the rate lock was ending. It course turned out not to be an issue, but now our rate lock had expired and Gateway said they would have to charge an extension fee, so they reduced our credit by {$920.00}. 
I complained multiple times about this. Gateway admitted it was n't their fault but they refused to do anything about it. Finally, they said the best they could do was to knock off {$250.00} from the extension fee. So they reduced our credit by {$670.00}. At this point, rates were much higher and I felt I had no choice but to take this deal. 
I believe this is outrageous as well as highly suspicious. I know how these finance companies work, and that they hedge their interest rate risk on such rate locks by shorting Treasuries and those sorts of transactions, but that by delaying the process when rates have risen and recutting the terms, they can benefit themselves at the cost of consumers. I think CFPB should investigate Gateway and see how many times their underwriting processes go over the rate lock period during times when rates have gone up vs. times when rates have gone down. I 'm willing to bet it 's asymmetrical. In any case, it 's outrageous that they should reduce the credit when the delay is entirely their fault.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
i am currently unemployed and can not make payments on my private loans. I have enrolled in the income based repayment plan for my federal loans and that is {$0.00}. I have on numerous occasions tried to speak to them about some type of repayment plans or deferment or something to if they could help me, eac time they just tell me NO, the minimum payment they will accept a month would be {$170.00}, unfortunately I dont have that. Then they ask if any amily or friends will make my pyments for me. That is a joke. I just need some understanding help.
For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. 

Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. 

I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. 

Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. 

These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.
XX/XX/XXXX ( 3 mos ) {$920.00} XXXX XXXX XXXX ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations on the late payments between all the 3 major credit reporting agencies. 

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 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.
XXXX XXXX XXXX has placed a collection account of {$210.00} on all of my credit bureau files. I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX   and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. They sent an itemized statement of services, which may be an HIPAA violation.
On XXXX XXXX, 2016 I recieved a notification from Bank of America that my checking account balance had dropped to {$25.00}. The following day ( XXXX XXXX ) I found that my bank charged me a {$12.00} overdraft protection fee whereupon they transferred roughly {$34.00} from my savings account over to my checking account, and tacked on a {$12.00} fee for this action. My checking account did not drop to a balance of {$0.00}, nor did Bank of America notify me of any additional charges that would cause my account to drop further below {$25.00}. Today, I contacted my bank and reqeusted that they refund the {$12.00} fee as my checking account did not drop to {$0.00} and did not require a transfer. The {$25.00} balance in my account was sufficient. I was informed by XXXX XXXX XXXX, Bank of America representative, that she was unable to refund the {$12.00} overdraft fee. I asked her to transfer me to a manager and I waited on the line and no manager was found. After spending a duration of XXXX minutes to resolve this issue without any resolution, I reqeusted that a manager from Bank of America call me back. No one from Bank of America has called me back and I have not recieved a resolution. I would like the {$12.00} fee that Bank of America charged me to be returned to my account. 

Thank you
Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit.