WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX was sold from XXXX XXXX XXXX XXXX XXXX to Nationstar on XXXX XXXX. My XX/XX/XXXX payment was already mailed to XXXX before I received the correspondence fron Nationstar that they had bought the loan and payments should be mailed to them after XXXX. I called XXXX and was advised that a check was sent to Nationstar via XXXX ( XXXX ) on XX/XX/XXXX, check # XXXX and arrived on XX/XX/XXXX at XXXX XXXX. The check has since been cashed and cleared by Nationstar. However, Nationstar erroneously credited the XXXX check to Insurance escrow instead of my mortgage payment. I learned of this on XXXX/XXXX/15, since that time I have made 4-5 lengthy phone calls explaining their error and when was my mortgage payment for XX/XX/XXXX going to be credited. On each occasion they told me it would be credited within 48 hours but was never done. After several of what Nationstar calls courtesy calls, I called today to get this straightened out before I make my XX/XX/XXXX payment. I do not want my XX/XX/XXXX payment being applied to the XX/XX/XXXX payment. Nationstar has had my payment in escrow since XX/XX/XXXX but do not seem to be able to get it applied to my mortgage account. I was told today that they would waive my late fee as a coutesy ... .what late fee, as well by federal law no late fees are applied for 60 days from XXXX/XXXX/2015. They are holding my money! In fact I was told by a XXXX today that the payment was applied and I could see it on line by tomorrow only to be told by her supervisor, XXXX, that her statement was untrue that it had not been resolved yet. Finally, I was told by the escrow dept. ( XXXX ) that the transfer had taken place and will be seen on line in 24-48 hours. I asked XXXX since the error was theirs and talk of late fees could jeopardize my credit rating could she please send me a letter hard copy with an explanation of what transpired with their error with specific dates. She flat out said you will not be receiving a letter. When I explained that the consumer protection rights spelled out on the FDIC web site states specifically that when the bank has admitted the error it shall be corrected in XXXX business day and a letter of explanation and resolution be sent to the customer within 3 business days, she once again stated that NO letter will be forthcoming. This letter is important should I need to defend my credit rating after the fact. I also suggested that since my payment was tied up in escrow since XXXX/XXXX/2015 would I be seeing interest that accrued since that date as mandated by federal law and she stated " NO INTEREST ''. Please intercede. Their address is Nationstar Customer Service XXXX XXXX XXXX XXXX, XXXX, TX. XXXX ... XXXX.
A letter was sent to Midwest Recovery Systems requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
The letter also explained that this item does not belong to me as I never did a payday loan online or in person and the item should be removed. The item has been on my credit bureau since XX/XX/2017 and doesn't belong to me at all. I requested the item to be removed immediately as no documentation was sent to me confirming the debt.
TRANSUNION claims as frivolous, yet in CFPB XXXX they have a letter from XXXX dated XXXX/XXXX/2016 where they explain they are sending the account statements because of FEDERAL RESERVE INVESTIGATORY CONTACT ON XXXX/XXXX/2016. 
The evidence of creditor fraud in muliple illegal charges on XXXX ACCOUNT ... ... XXXX WAS NOT RECEIVED BY ME UNTIL AFTER XX/XX/2016.The evidence is legally substantiated by the CFPB and Federal Reserve yet TRANSUNION NOW KNOWINGLY AND WILLFULLY REFUSE TO ACKNOWLEGE THIS MATERIAL WHICH IS NOT FRIVOLOUS TO XXXX, XXXX, THE CFPB, THE FEDERAL RESERVE ... ..ONLY FRIVOLOUS TO TRANSUNION AN UNETHICAL, LAW VIOLATING COMPANY.
I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.
A XXXX XXXX XXXX XXXX employee allowed her boyfriend to enter my home when I wasnt home and steal my homedepot credit card and jewelry tools etc, after stealing the card he made several purchases with the card, I did not give him the card or authorize him to take the card, I did not authorize him to make purchases, he stole the card and used it to buy merchandise, I contacted the police and made a police report and contacted Home Depot as well to inform them and have the card discontinued so he could no longer use the card, he stole my identity and committed fraud, I filed a fraud report claim with Home Depot they have refused to accept the claim, in addition increased interest and finance charges, they have accused me of leaving the card out for the stealing and fraud, and informed me that my claim was not substantiated however the have video tapes and his signature and hers on purchases, as well as police reports. In addition they refused to issue me another card or give the access code on the stolen card so I could see the account information to take proper action, delaying my right to protect my self, Homedepot treated me as though I was the criminal and deserving and responsible for being a victim of identity theft and fraud.
On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona. 


My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.
I would like to inform capital one of my financial hardships is why I got behind on my credit card payments. And I am unable to pay off the balances at this time. I am in the process of selling my home and when I get the money from my home selling. I will pay off all 3 credit cards that i had. But only what the credit limits were. Not late fees or interest charges.
Portfolio recovery continues to call my house attempting to recover a debt, that they never say what it is .... when I question them they ignore my questions or hang up.
On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.
I have repeatedly requested information on 1 ) how to remove escrow from my mortgage account with Caliber Home Loans, 2 ) and have twice requested by written letter it be removed. 

I requested the escrow account be ended on at least 2 separate occasions before I received instructions on the required process. The first was over the phone after I recast the loan following a very large principal payment on XX/XX/XXXX that put the mortgage account well over 20 % equity. That was followed by messages submitted in the online messaging center and over the phone in XX/XX/XXXX and XX/XX/XXXX. This was a long, drawn out process due to the fact that at every step of the process I was given incomplete information ( e.g., it took two months and multiple requests for the required recast request form to be sent. When I submitted the recast request, I included a note to remove the escrow. This was ignored. Eventually, I decided to wait until my homeowner 's insurance and property taxed were paid before removing the escrow account. 

On XX/XX/XXXX, I sent a signed letter with the instruction to remove my escrow account to the address provider ( Caliber Home Loans, Inc Attn : Escrow, XXXX. XXXX XXXX, XXXX, Ohio XXXX ) On XX/XX/XXXX, I sent the request again via certified mail which was delivered on XX/XX/XXXX at XXXX XXXX. 

I am today filing this complaint with the Consumer Finance Protection Board and sending a letter ( via certified mail ) to Caliber 's inquiry and dispute address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX.
I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.
I have an auto loan through Santander Consumer USA. My 60 month loan payment is {$590.00} per month. I opened this account in XXXX 2013 and made the first payment in XXXX 2013. With few exceptions, I always pay {$600.00} to decrease the principal quicker and get out from under this loan quicker. 

XXXX ( XXXX ) payments later, I have discoverred that my principal has only decreased by {$2700.00} despite having made {$12000.00} in total payments. I have also discovered that Santander has taken my entire payment and applied only to interest on XXXX ( XXXX ) different occasions. 

I have called and tried to have this problem remedied and the customer service rep told me she would have the issue resolved and to call back in ten ( 10 ) days, which I did. 

Upon that call-back, I was informed that because my loan had went late XXXX times, they were taking the interest first and that the cost of the loan was just under {$13.00} per day. I told her I would have to be over 40 dyas late for that to be true and she claims that I was - just once. She explained that this was a simple interest loan and that this was how the loan was structured. 

I am not wise in the ways of finance at all, but I do know that my payments have been timely for the past year and that they are exactly where they are supposed to. My loan is current and I know there is no way this loan will be paid off in the 60 months. 

I am no getting any explanantion from Santander and I have spoken with local banks that deal with auto finance and they have recommended coming to you.
I have been contacted by several financial institutions offering to refinance my mortgage. The representatives told me that they got my information from XXXX XXXX. I did not submit any application for refinancing anywhere. I think that XXXX XXXX gave my personal info to all the financial institutions offing refinancing, because I am being bombarded with e-mail from XXXX, Quicken Loans etc. I want them to stop contacting me and XXXX XXXX to remove my personal information from their scummy database. I did not give them permission to check my credit score or any other information that they seem to get somewhere on line and distributed without my consent to other financial information. I want XXXX XXXX to remove my personal information from their website immediately!
I received a Notice from the court that I was being sued for a Capital One unpaid debt in the amount of {$16000.00}. I was XXXX in XXXX and could no longer make monthly payments on this account. According to my 3 credit reports, Capital One states that I have been making payments on this account up to XXXX, this is false. I have not had contact with this company since XXXX and they closed this account in XXXX. The Statue of Limitations on Debt in Texas is 4 years, so, time on this debt ran out in XXXX. This debt should have been removed from my credit report in XXXX. I sent a letter of dispute to all 3 credit bureaus and both XXXX and XXXX  still have the payment dates listed as me making payments in XXXX!  I think Capital One has given them false information in order to file a suite against me. I want to see proof that payments were made by me in XXXX, such as the cancelled checks. They do not have this proof, since I have not made payments on this account since XXXX or had contact with Capital One since then. I also want this debt removed from my account at the above mentioned credit bureaus.
AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it.
In XX/XX/XXXX I received an attractive offer for a CHASE XXXX XXXX credit card. I applied for the card, but CHASE rejected my application. The rejection letter, dated XX/XX/XXXX, stated Too many credit cards opened in the last two years associated with you. I wrote CHASE and asked two straightforward questions : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS?

-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS?

I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE refused to answer my questions and rejected again my application, although I have an excellent XXXX  credit score of XXXX  ( the credit score range is 300 850 ). I complained to CFPB, on XX/XX/XXXX, complaint number XXXX-XXXX. Instead of answering my questions CHASE resubmitted the previous rejection letters. 
In this complain I want to provide additional details to my case. I have a CHASE Freedom credit card, since XXXX. CHASE asked me to advertise their credit cards to friends. I did that, and received XXXX XXXX bonus points, in XX/XX/XXXX. Please see the attached credit card statement. In other words, CHASE trusts me, and offers a credit card to a friend of mine, but refuses to issue a credit card to me! This is absurd, and it proves CHASE denies cards to avoid honoring the bonuses. 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. This proves a pattern of misbehavior.
I have had an active account and service with XXXX at my home for over five years. I have never been past due and my account has never been closed for any reason, including nonpayment. I am attaching my most current billing from XXXX showing my account has an active status and is indeed current. XXXX would not allow me to have an account if I had not paid. I am supposed to close on my family 's new house in the next couple of weeks. When this erroneous collection was posted to my credit, it made my score drop from XXXX to XXXX. Please remove this from my credit report ASAP as the amount is not owed by me.
XXXX XXXX told me to call Capital One so they could stop blocking XXXX XXXX but Capital said that they werent.
On XXXX/2017, y applied for a cashforward barclaycard credit card, 0 % interest in 15 cycles, on purchases or transfer balances, but they are charging interest right now. On XX/XX/XXXX they charged {$39.00}, on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$23.00}, XX/XX/XXXX and XX/XX/XXXX they did n't charge nothing. Before I start using a credit card, i call to the credit company to make sure they are giving to me what they offer. They said 0 % on purchases or balance transfers on15 months. Is the first time I have a problem with a credit card.
Westlake Financial SVC. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**. They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is Westlake repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in Westlake correcting the Monthly DUE DATE. Westlake reported to XXXX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite Westlake taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. Westlake 's sister company " XXXX XXXX '' paid as well. They also posted payments to someone else 's account to add to mess so the XXXX XXXX+ remained on my report .Westlake reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
Was told about two debts this company just received. I disputed the debt and asked to see proof of the debt. They did not send proof of the debt, instead they sued me in small claims court. After being served by the sheriff I received a letter listing the two debts. I sent a certified letter back disputing the debts. Now I just found out they won a judgement against me without going to court.
I had check my credit an found some late payments on my credit report, I have written 4 letter to Equifax requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.
Cavalry Portfolio Services has sent several letters with regard to a debt that is well beyond the Statute of Limitations for collection according to the Fair Debt Collections Practices Act. The debt can no longer be collected yet Cavalry Portfolio Services is sending letters requesting collection. They are also, showing this item on my Credit Report which has damaged my credit history. In accordance with th e Fair Credit Reporting Act they can not show items still in collections beyond 7 years. In accordance with the Fair Credit Reporting Act, Charge Off 's  may sta y on the Credit Report for 7 years from the date of the  1st deli nquency with the original creditor (  XXXX   XXXX  ) which  is  XXXX  2009 ( see t he attached statement ). Cavalry  Portfolio Services is a third party debt collector that may not " re age '' a debt to suit their needs. Moreover, t hey are not the holder of the original instrument ( the original note ). In accordance with the Law of  Negotiable Instruments, Cav  alry Portfolio Services has no standin g.
Hi I 've been having an issue with navient and the XXXX XXXX and my student loans, I 've been having a hard time getting answers about my student loans. I 've been redirected, hung up on. My loans have been bought and sold adding to the fees and penalties. It 's overwhelming, it 's scary, and it 's been making my life so horrible. I wish I did n't get the fake education from the XXXX. And then have to deal with predatory loans. It 's ruining my life. The XXXX is a sham. And the loan holders do n't give information, they do n't assist in any way. I have XXXX kids and a part time job so I can take care of them. Loan holders are asking for a ridiculous amount. I ca n't do it. And they wo n't help
On XXXX XXXX, XXXX, I tried to submit a credit freeze application online at : XXXX XXXX XXXX ... resulting in an unexplained failure. No useful reason was given : " We are unable to honor your request online. 


If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency or the Department of Motor Vehicles ( DMV ), the fee will be waived. 

... ( words about sending paper to them to do a paper request in this day and age of Internet everything ) ... 

You may also submit your request electronically at experian.com/upload '' The experience at experian.com/upload was equally dismal and unprofessional and the failure equally unexplained. After I uploaded my documents, the reply was : " We 're sorry. We were unable to honor your request. 

To submit your request by mail, please send your documents along with one copy of a government issued identification card, ... 
" Multiple attempts did not work. 

If they reject an online application, they should provide a decent explanation and provide a way to resolve the issue without resorting to time-consuming paper or telephone. Otherwise, it is reasonably construed by the consumer as an attempt to reduce credit freezes in order to maximize revenue ( from selling credit information ).
I previously disputed this debt with ICS SYSTEMS o n   XXXX   XXXX    2017  via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now  XXXX  which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
I was on an auto pay the last 18 months for a heating system which I had been told was interest free for the life of the loan. Last month the monthly amount was raised without my knowledge and when they received a lower amount, charged my account {$2100.00} in interest.