WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage LLC has not sent me Loan Statements for XXXX loans I have with them on XXXX rental properties for since XXXX, 2012. I am in Chapter XXXX Bankruptcy to modify these loans. The modification plan was approved by the Court in XXXX 2012. I have no idea if they have modified these loans, what my payments are ( I guess at what they are by what the P & I payment is supposed to be plus what the Escrow amounts are ). They say their policy is not to send out any statements while in Bankruptcy, but I ca n't be released from Bankruptcy until I can show the Court they have complied with the approved Plan. This is costing me money as well as my Credit. Numerous calls to them have them telling that they ca n't send me anything. Even a Letter from my lawyer in XXXX of this year has been ignored. How can I force them to send me a statement? I thought it was the Law to send out statements.
I've filed a dispute with XXXX and Experian requested an investigation on collection transactions filed against my credit report from XXXX XXXX XXXX XXXX, whom has violated the FCDPA law, reporting an old debt that is more than 12 years old. According to FCRA law, consumer reporting agencies may not report outdated negative information that is more than 7 years old, which in this case the debts were 12 years old. 

The consumer reporting agencies did not investigate this matter, they simply sent me a letter stated " Information verified as accurate '', which did not resolve the issue. 

According to FCRA law, I demanded that the consumer agencies to remove the collection accounts from my credit report that were filed by XXXX XXXX XXXX XXXX.
On XX/XX/XXXX I sumitted a complaint with CFPB against XXXX XXXX for trying to collect a debt that didnt belong to me. On XX/XX/XXXX ERC responded back stating that the debt didnt belong to them and they had no right to try and collect on that debt. ERC removed that debt from my credit report. I recently checked my credit report on XX/XX/XXXX and notice this account was again placed on my credit report.
i had a account with usaa bank along with my daughter well there was fraud on my acct so what they did was close all the accounts in the mean time they will not let my daughter get her money out of her acct because of the fraud on my acct in the mean time we have no money and asked if we could get the money out and also my son in laws money is going in there they want to hold the money for thirty days we need the money they say they take care of there own which is a lie
I recently refinanced the loan on a property that I own as joint tenants with my wife. 
I did qualify for the loan and obtained it on my name. My name is the only name on the NOTE. 
My complaint is regarding the instructions that the Lender gave the the escrow company as to record a Deed of Trust that indicates that my wife is also the borrower on the loan. The text of the Deed of Trust now reads : " Borrower is AT ( my name ) and ST ( my wife ) husband and wife as joint tenants '' and it was recorded on XXXX XXXX, 2016. This is obviously a mistake and has to be corrected. 
I requested the lender and the escrow company to change it to refer only AT as the borrower, but they refused to do so. 
Also, they wrongly put my mailing address in XXXX when my address is in XXXX XXXX as stated in the loan application. They also refused to correct the mailing address.
All XXXX major credit reporting agencies have received Disputes ( directly and through CFPB ) about the deletion drop off dates on XXXX ( simultaneously ) charged off, alleged Amex accounts on my credit report. Fairly consistently however they report the first major delinquency as XX/XX/XXXX. Thus the deletion drop off date is XX/XX/XXXX. Unfortunately XXXX, XXXX, and XXXX ALL report Amex has responded to their attempts to verify, the correct deletion dates via the " Dispute Response from Data Furnisher '' with a WIDELY VARYING deletion date. XXXX, in fact when there can be only XXXX. Clearly this is impossible if the Amex response to the CRA 's was consistent, accurate, and in fact, diligently investigated.
Equifax has apparently signed me up for a 'ScoreWatch ' service, which I never ordered. I purchased a one-time credit report from them on XX/XX/XXXX, and found that magically I also made a purchase on XX/XX/XXXX for something called 'ScoreWatch ' - which was not actually me. I did n't buy that XXXX. I used to work for a XXXX XXXX XXXX company that sold that XXXX, and know it 's not useful and a waste of money. I would never buy that. That purchase shows a cancel date of XX/XX/XXXX - so it seems they billed me for it for a month then cancelled it automatically, to get that extra payment from me. I 've had issues with these people before, where they kept autorenewing a cancelled product purchase, and not actually cancelling my order after calling in to cancel it and being told it was cancelled. Now I just called in to ask them to cancel this current scam, 'ScoreWatch ' ( even though it shows as cancelled, I wanted to make sure ) - and the guy tells me 'due to technical difficulties, we cant help you at this time. Please call back in two to three hours '. I said " ok ... .but '', and he says " its just due to technical difficulties. please call back ''.
Technical difficulties my XXXX. It 's a tactic to generate what the industry calls 'breakage ' - people forget about their coverage/policy, so they continue to collect premiums/revenue with no actual cost or risk to them. By the way, the guy I spoke with I got to through their menu options specifically for 'cancel a paid equifax product ' - if their system was actually down for technical reasons, they would have worked with the telecom system to instruct callers to call back - unless their call center is playing games to make their service levels look great ( 100 % of calls answered within 60 seconds! Because they are basically answering then telling people to hang up and call back .... ). Equifax is a sketch company, and they need to fix their practices. I 'm glad you had that settlement with them recently for deceptive practices in regards to score costs. They deceived me, multiple times. I wish that I would be refunded some of that settlement money. They need to be hit in the pocket book for anything to matter to them, I know how compliance departments work at these companies. They dont give a XXXX about compliance, except in as much as it risks their bottom line. Equifax Complete Premier PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax Credit File XX/XX/XXXX XXXX XX/XX/XXXX Equifax Complete Family Plan XX/XX/XXXX XXXX Details XX/XX/XXXXEquifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax Complete Advantage PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax 3-Bureau Credit Report and ScoresXX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX
This started as a billing error at the hospital. I went to see XXXX XXXX XXXXbecause I literally felt like XXXX. My Uncle had recently been hospitalized for XXXX XXXX and I had been to visit him at the same time he contracted the virus. I fell illshortly after and went to my primary care because I was afraid I had it too. 
XXXX XXXX coded this visit with him as a " routine visit ''. My husband is a XXXX veteran and I have XXXX insurance. XXXX denied the claim becausethey told me the claim was coded wrong. I informed the hospital. Not only did I bring acopy of my explanation of benefits to them in person, but I made over 10 calls to variousoffices trying to get them to code the visit properly. This was anything but a " routine visit ''. 
Feeling like I have west nile virus is not a " routine '' thing. 
The hospital and XXXX XXXX 's office sometimes were polite about the matter. They evenclaimed two times they changed it, but they kept submitting the same medical code toXXXX who kept denying the claim because they do not cover " routine visit '' claims. 
Then I got a nasty call from a collections lady saying this would be going to collections. Afew months later I got a letter from " The Credit Bureau of XXXX XXXX XXXX and XXXX Counties ''. The letter is dated XXXX/XXXX/2015 and it says I have 45 days to pay in full orthey will report this to the Credit Reporting Agencies. 
I do not owe this amount. This is a billing error. The hospital has failed repetedly to correcttheir mistakes. They even told me in person it was a mistake and that they would fix it. Thishas been dragging out for almost a year now. I want this to end and for them to bill myinsurance properly. This is no way to treat the wife of an honorably serving XXXX veteran.
I requested cancellation of PMI in XX/XX/2018. The company never responded. I have since repeated the request three times and did not receive a response. Finally, I spoke with a customer service rep on XX/XX/2018 and was informed the request was denied in XX/XX/2018 due to the home losing value. The value was never changed on my account website and I was never informed. I was also informed by the CSR that there was no direct line of communication with the private insurance department, and was given little detail regarding why my home was perceived to lose value. Using public XXXX, my home has appreciated.
There was some fraud made on XXXX XXXX  XXXX as someone tried to make accounts under my name. XXXX XXXX XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Ditech has denied that it knows who I am in response to the last complaint, when my name and my address ( of the home which has the mortgage they own ) is clearly stated on the complaint. Characteristically, it demands the account number just to be difficult. For the company 's information ( it does NOT need me to tell it this ), the account number is : XXXX. 
Not only is it charging me late fees of {$120.00} regardless of the fact that I paid on the due date ( and late fees are not stated to be {$120.00} ), but I paid up the account in full to include all of their fraudulent charges last month, and this statement has not deducted ANY of that, and STILL shows me as owing the same amount as before. I believe that there is a serious problem with their systems and this is suspicious. They need to be audited by people who are very familiar with technology and can examine their code. If you need someone, I can go with the inspectors. I develop software for a living. 
I 'd like to remind the person reviewing this complaint that immediately before changing its name, Ditech used to be named Greentree. Greentree was fined by the government for a total of {$63.00} XXXX for unlawful / fraudulent charges and failing to maintain programs. It seems that Ditech has continued its business practices, attempting to use the name change to deflect suspicion. This will not work long term.
I tried to apply for credit somewhere and they told me I was denied because of a fraud alert through equifax I have never had fraud and this does n't belong to me and want it removed. Can you please help with this!! This is the first I have ever heard this. Thank you for your help in advance
This account with XXXX XXXX should be reported by transunion as a paid charge off in comments. Settled and paid account
I just got out of the XXXX XXXX after 6 years of service, i have medical XXXX including combat XXXX. I went to bill XXXX in XXXX for a vehicle and i wanted the XXXX it was a bit high priced but they said it would be paid off in 3-4 years not i got this auto load i pay XXXX a month at about 19 % interest. I have paid over XXXX dollars and it shows on my account i only paid about XXXX k from my original loan amount.I am using my XXXX pay for this vehicle i was under the impression i would be paying for another YEAR OR TWO AND BE DONE. but now my contract is almost 7-8 years long and the new XXXX are cheaper than what mine is. I desperatly need help i am a divorced father or XXXX kids and not my first experience buying a vehicle from a dealer i get completely taken advantage of. I feel insulted to know i have done everything for my country to see XXXX person ruin my entire life because of a car. my original amount is almost XXXX i paid over XXXX k and it only shows the principal amount to be XXXX i pay to own. at this rate i will pay XXXX for this vehicle. I thank you for reading and XXXX i hope you can help me please.
Yesterday I received a letter in the U.S. Mail from " Equifax '' dated " XXXX XXXX, 2015. '' Last month I had wrote to " Equifax '' stating that under " Personal Identification Information '' section of my " Equifax '' credit file that I was also known as " Formerly Known As : " XXXX XXXX. XXXX. '' My full name is and has always only been " XXXX XXXX XXXX, XXXX '' I do n't know anybody nor have I ever used the name of " XXXX XXXX. XXXX. '' And when I called " Equifax '' they also refused to " delete '' this " Identity Theft '' information on my " Equifax '' credit file.
I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report.
I made a XXXX EUR ( {$70.00} ) prepaid online reservation at XXXX on XX/XX/2018 for a 7-day car rental with my XXXX credit card from J. P. Morgan Chase Bank. 

Upon return of the car on XX/XX/2018, XXXX issued a Final E-Bill in the amount of XXXX EUR ( {$12.00} ), which I signed, to settle all the pending charges related to this car rental. 

11 days later, on XX/XX/2018, I noticed a XXXX EUR XXXX {$200.00} XXXX charge on my credit card from XXXX. As the Final E-Bill was in the amount of XXXX EUR XXXX {$12.00} ), I was overcharged {$190.00} ( XXXX EUR ). 

I had to dispute this overcharge ( {$190.00} ) several times with J. P. Morgan Chase Bank, but eventually, I received a letter dated XX/XX/2018 from J. P. Morgan Chase Bank ( please refer to the attachment ) advising me that my dispute had been resolved and a permanent credit in the amount of {$190.00} had been issued and would remain in my account. 

However, several days later, I received a misleading letter from J. P. Morgan Chase Bank requesting me for documentation regarding this dispute, which I thought was a mistake / mixed correspondence as this dispute had already been closed. 

I called on XX/XX/2018 at XXXX to J. P. Morgan Chase Bank and explained the situation to the Chase representative ; he advised me to send a fax to Chase attaching the letter I had received dated XX/XX/2018 stating the dispute had been resolved and a permanent credit issued in the amount of {$190.00}. Chase could confirm this call as it must have been recorded. 

I then sent a letter as advised by fax on XX/XX/XXXX at XXXX to the XXXX. Find attached a copy of this fax as well. 

However, on XX/XX/XXXX, I noticed J. P. Morgan Chase Bank had rebilled me {$190.00} so called in and the agent and supervisor was unable to find the letter dated XX/XX/XXXX with a permanent credit for {$190.00} and the faxed documentation on XX/XX/2018. 

I then sent a secure message to Chase on XX/XX/2018, complaining about this and requesting them to honor the {$190.00} previously notified and issued permanent credit. 

I find all of this unacceptable. I received a written notification from J. P. Morgan Chase Bank dated XX/XX/2018 in my mail that my dispute had been resolved and a {$190.00} permanent credit had been issued and would remain in my account. 

Therefore, I request J. P. Morgan Chase to follow through their previous letter / notification, and reapply the {$190.00} permanent credit in my account. 

I find any other response unacceptable. This dispute was resolved and settled per the letter issued by J. P. Morgan Chase Bank on XX/XX/2018. 

Thank you
I was forced into forebearance, rather than being given repayment options right away. I was left in the dark to increase interest. I have not worked in 2 years, and the company knows this, but still accrues interest, when I can not pay it back. Where is the assistance I was allegedly promised when I undertook this student loan scam? I've been harassed, treated poorly, and avoided to increase my debt.
I went to work in XXXX in XX/XX/XXXX. I intentionally missed one mortgage payment, so I would not be overseas with no money. With my first paycheck I caught up on the missed payment along with the payment due for the following month. A few months later I noticed a {$5.00} fee on my bill, so I called to inquire as to what the fee was for. I was told I must request that information in writing, so I did. The response explained that foreclosure proceedings were initiated at my expense of {$55.00} and charged to my account at {$5.00} per month until paid off. I never received any notice of foreclosure and, because I have equity, I believe they were trying to steal my home in a very unethical and possibly illegal manner. 
I believe it was XXXX last year I accidentally payed my mortgage twice. There was no payment due but Ditech put my accidental second payment toward the XXXX payment instead of toward the principal. In XXXX of this year I received a bill with the statement date of XX/XX/XXXX and the due date of XX/XX/XXXX. I payed {$800.00} for a {$570.00} mortgage due. I then received another bill with a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Why am I being billed twice for the same payment, especially after it was paid? 
Another issue is my interest rate. I have a variable rate and it has been increased by .5 % twice over the last two years. I have called several times for an explanation and to find out which index my rate is attached to. They refuse to divulge that information to me and I am put infinite hold each time. I wish to research the index my mortgage is attached to and see if the interest rate increases were valid. I believe, because of their elusiveness, that the increases are not legitimate.
Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.
I have contacted CitiBank to dispute a charge on my credit card for 2 tickets sold by the merchant XXXX for a service that was not delivered as expected. CitiBank did not dispute the fact that the service was not on par with what was advertised ( a XXXX XXXX XXXX show ) but claims that it is the theater and the troupe that are responsible for the quality of the service and not the merchant. However, I did not purchase the tickets from the theater/troupe ; in fact, when I approached the box office to request a refund, I was told the theater had no record of me purchasing the tickets. Indeed, I have purchased the tickets from XXXX and the notion they don't have control over the performance has no bearing on the fact that I was not provided the service as expected. CitiBank refused to reverse the charge.
I was using an agent XXXX and they were telling me I needed to use XXXX with Starkey Mortgage to get my loan. I asked the agent why I had to use them and I was told that the loan officer pays their marketing costs. It sounded fishy to me.
inaccurate information on my credit report. a active account is open that was included in my bankruptcy. I have tried to contact this company several times myself to no avail. this account should no longer be on my credit report as it was included in my bankruptcy and it should not be showing active
I am a XXXX veteran who purchased a foreclosed home XX/XX/XXXX. Chase bought the loan the next month. By XX/XX/XXXX I already noticed problems with my loan. In New Jersey, i am property tax exempt, but chase paid the tax anyway. My township tax assessor contacted Chase, and was told the problem would be fixed. It has been 8 months now, and the problem has gotten worse. I should not have any escrow except for property insurance, but Chase continues to bill me for escrow shortages, even though both myself and the tax collector 's office have made numerous calls to various Chase departments. Even though I have faithfully paid the proper amount on my mortgage, Chase has applied these funds to the escrow, making me delinquent on my mortgage. My credit is getting ruined, and may face foreclosure if this is not corrected soon. I have been told I should start paying the mortgage plus extra escrow, which is an extra {$110.00} a month. I need help now to get this taken care of.
There are inquiries showing on my report that I never authorized nor they have a permissible purpose, nor they have written authorization for the following inquiries. XXXX XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XX/XX/2017
The current mortgage company has been giving us trouble since they took over the loan last year. The previous mortgage company did a loan modification with us, the new deal was they gave us a balloon payment of {$15000.00}, to be paid at the end of the loan, so we signed the agreement. The current mortgage company demanded that we pay the balloon payment the XXXX month they had the loan, it took us almost 1 year to straighten this out, every time we called there was someone new assigned to our loan. I believe they charged us interest on the balloon payment during the dispute period. Every time we ask for paperwork they say we have to submit the request in writing and when we call back after a month they say they already mailed it and we must resubmit the request again. 
We made a payment on the principle last year but they still show the same payoff date on our statements, and the interest payments are n't going down in size by very much. 
We made another payment this year on the principle and we asked them the same questions and they say we must request information in writing, so again we requested the payment schedule from them and we called them back after a month and they said they had already mailed it XXXX XXXX and today is the XXXX and they said on the XXXX they would mail it again and we still have n't received anything from them.
While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.
The debt of {$570.00} was paid in XX/XX/2017. The light place reported it back to the bureau but did not delete it. I disputed said collection and they won't remove it from my credit report. One bureau has already deleted it from my report but experian won't. This is affecting me buying a house and I just want it resolved /deleted so my family can be under one roof again.
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX