WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. 

I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. 

On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. 
I do not believe that in the entire nation I am the only person who has encountered this.
My credit limit was lowered by {$150.00} because the minimum payment for  XXXX  was not  paid on time. I have since paid it, and I 'll admit that it 's about two weeks late. However, I do n't think I should be penalized in this way because my payment was two weeks late. I have had this best buy card for 9 years and I have never gone over the limit or missed a payment. But, the continuously lower my credit limit, diminishing my credit score. This is not fair and it shows that the company has little interest in helping consumers strengthen their credit profile. What it does suggest is that the company is actively engaging in practices that minimize a consumer 's credit profile. As a result of this change, my debt to credit ratio will be impacted, further driving my credit score down. I have worked hard to pay my bills on time and despite how Best Buy is treating me I continue to patronize the company. But, this type of behavior is telling me business is not appreciated and maybe I should take it elsewhere.
This is a continuation for case # XXXX # XXXXDiTech Financial, LLC f/k/a Green Tree Servicing - Account No. XXXXThis letter is regarding your response to my complaint. 
We requested a loan modification in writing. The owner of our loan provided no explanation as to why we did not qualify for a loan at the time of our request. Furthermore, they did not provide us with any other options besides payment deferrals, at the time of our request. We believe that the interest rate was predatory. 

Our account is actually overpaid. Attached are payments that were not posted in the documentation you provided. Each of these payments should be posted to our account. And interest for each of these should be credited at 12.99 % or the interest rate charged for the loan and compounded annually as they were not posted. 
In the previous response, you did not address the harassing phone calls neither did you provide an explanation for the miscellaneous charges or legal fees. 
The bankruptcy issued needs to be address also, I filed in XX/XX/XXXX and had a XXXX in XX/XX/XXXX. The balance on the account is NOT DECREASING. We did not have any payment deferrals during this time, we paid bankruptcy and regular payments to Green Tree during this time. As of today, the balance is XXXX, why is there not any payment being applied to the balance? We have had this loan for sixteen years, bankruptcy included arrears payments which should have brought the balance current to sixteen years. 
Insurance, I see that payments were applied to insurance in XX/XX/XXXX, XX/XX/XXXX, etc., We had home owners insurance with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, policy number XXXX, there should not have been anything applied to insurance during this time period. ( Attachment K, XXXX XXXX Policy ). There are transactions listed on your History Report were payments were credited to Insurance. 
As a loan service provider you have a responsibility to assist consumers when you see them financial distress and they should reach out to you. Those responsibilities carry over with each service provider and should be taken seriously.
from XX/XX/14 i had a XXXXXXXX XXXX and XXXX from there i was unable to work and lost everything. There are multiple accounts from this day forward basically all medical with XXXX The hospitals took care of my bills through community care and charity as I was sick multiple times after. I do not have the funds to pay these amounts and would ask that they be reconsidered or removed based on financial status, sickness and inability to pay.
Macy 's somehow got my XXXX year old Mother 's phone number. They called her 3 times before noon last Sunday regarding debt collection of my account. I am XXXX years old and have never give my mother 's number to any credit card entity. It upset my mother terribly. I called - It took three tries to find someone whose English I could understand. Finally I got " XXXX '', a rep, who refused to tell me how they got her number. He finally did say it was added XX/XX/2015. I have been ill and unable to work. I have told them I will pay as soon as I can. While I was on the phone " XXXX '' over and over kept trying to get me to say I would pay by next Sunday. I told him I would not say that -- that I would pay as soon as I could. He kept on saying the same thing over and over. I feel calling my Mother at all and even worse on a Sunday, as well as the way XXXX kept trying to get me to say I would pay by the following Sunday, when I told him over and over I would not say that and I would pay as soon as I could is out of line and total harassment of both my Mother and myself. My Mother was EXTREMELY UPSET!
Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.
Screaming at my Manager and sharing information Called them names and Hangup every time, Calling my family members and asking for me saying is about credit debt
Nationstar Mortgage Complaint. 

I have called nationstar on several occasions to rectify an issue that they created and still waiting a response. 
The issue has to do with my Escrow account. XX/XX/2015 I refinanced my home loan with Nationstar and after the refinance went through ( XX/XX/XXXX ) I changed my XXXX XXXX policy to another provider. For some reason this year I received an letter from nationstar that I was without Insurance from XX/XX/XXXX so they purchased a plan on my behalf for nearly 4 times the cost. 

As you can see I had insurance did n't expire until XX/XX/XXXX and to top it off the policy should have been auto-renewed. Nationstar did n't pay the renewal and have asked them multiple time to fix it. 

The representatives that I have talked to all tell me they will get back to me and never do, that 's not true one lady did, but then told me she would call back in 3 days and never has. As this point I am very frustrated and do not want to deal with them anymore for their constant failure. I want them to fix my escrow account and return money to it as this is clearly their fault. 

Can I sue them for incompetence as I feel like doing that.
On Saturday, XX/XX/XXXX, my husband and I received a call from Prestige Financial, the company that finances our used auto after completing our 5-year bankruptcy. We have made payments of {$500.00} for over a year, within those years I requested they do not contact me because they were making aggressive calls before the due date and they're excuse was " we are just reminding you ''. I requested that they do not contact us via text or email. We made payments on time every month until a hurricane struck our area in XXXX. We were attempting to get back on track and notice we have been making large payments over a year and we were being treating as if we were criminals. I am now finding out that the person I was speaking with on Saturday was an account manager, name  XXXX who felt is was necessary to speak rudely and becoming very disrespectful. We perceive this as intimidation tactics to scare consumers. This only makes us more angry and we refuse to put up with this!!! We spoke to several other lenders and were told the vehicle is not worth what we are paying and we are upside down on this loan. To learn this, paying an exorbitant interest rate and then put up with such professionalism while paying {$500.00} to these crooks is unacceptable. We are seeking legal recourse ....
This is an amendment to claim # XXXX that was submitted on XX/XX/XXXX. In that complaint there were XXXX issues that were of concern regarding the servicing of the my mortgage loan and of the unauthorized disbursements of premiums and taxes. On XX/XX/XXXX I received a call from XXXX, who previously identified herself as a manager in the escrows department in a conversation of XX/XX/XXXX. During that conversation she acknowledged Nationstar was receipt of the documented proof of flood coverage, but the flood line had not been removed as promised.She said there were notes in the files of previous calls regarding these issues and the promises made to resolve them going back months. She informed me that based on our conversation on XX/XX/XXXX and the documents I provided she has removed the flood escrows line but has refused to remove the tax escrows line from my mortgage although she found that I had the escrows shortage in the amount of {$400.00} XX/XX/XXXX but the tax escrows line was not removed as promised. The 2 reasons for the denial of the tax escrows I was told was that ( 1 ) the loan was delinquent ( 2 ) the taxes were late. I believe Nationstar is acting punitively by taking such a hard stance on one of their policies regarding non escrows accounts. The delinquency was caused when Nationstar made the error in increasing my payments. It remained delinquent because Nationstar was negligent in the servicing of the account. Nationstar did not resolve the issue in a timely manner even after showing proof that they were in error. Finally, Nationstar has never provided anything regarding the implementing of an escrows on account that were originated as non-escrows accounts. I agree my XX/XX/XXXX taxes were not paid until XXXX. They were delinquent for 6 months and I had every intent on paying them but Nationstar had already disbursed payment. 

It is customary for " any creditor or company '' to issue a late notice when payments are late. The city of XXXX XXXX did issue send a such a letter. However, the property was not in imminent danger of being sold for a {$360.00} tax bill and Nationstar, being a major lender in home mortgages and serving industry is well aware of the time lines associated with tax sales. 
By taking such a punitive stance it appears Nationstar, who is a leader in the mortgage and GSE servicing industries, is saying it is ok for a major company to to make egregious errors, display poor customer service, and to make adverse decisions without quick resolutions, but the consumer in non exempt and must adhere to all the rules and regulations regardless to whom erred. I believe this has been the a very poor display of customer serivce and of servicing.
I have written to XXXX, XXXX and Equifax regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, XXXX and Equifax have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
XX/XX/XXXX I opened a Home Depot/Citi Financial Store Credit Card to buy things to remodel my father 's house because of the offer of a Deferred Credit Payment. It sounded very attractive. The large items I bought were replacement windows, Washer/Dryer, Stove, Dishwasher, refrigerator and then smaller item such as throw rugs, paint, hardware, room fresheners. The total beginning balance was about {$12000.00} and I paid it down in large amounts of between {$500.00} and {$1000.00} every month so I was n't worried about the deferred payment as the appliances were more than paid off and the windows as well as the small items were not part of the deferred items. By XX/XX/XXXX there was an additional {$1600.00} on my bill balance and they said it was the deferred payment. In XX/XX/XXXX it happened again. I was paying it down but it kept going up. There was nothing I could do about it. They do not make it clear when you are paying large monthly payments that you are not paying off the deferred payment. In retrospect I should have gone to the store in person to make the payments and make sure the payments were going directly to the Deferred Credit account. I have paid off the bill in full today and closed my Home Depot Account. Please do something to make sure that there is some way to make these payments clear. For the interest charged I could have bought XXXX sets of Washer Dryers instead of XXXX. They are loan sharks and sheisters.
JH Portfolio Debt Equities turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to XXXX XXXX, XXXX. This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked JH Portfolio to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX   about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.
Collector called saying they were from Oxford Law Firm 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from XXXX XXXX for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to XXXX XXXX. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at Oxford Law Firm with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or Oxford Law Firm should have checked the account before they started collection procedures.
Hello, I recently changed my last name due to marriage. I've tried 3 times to update my name with American Express. I've sent AMEX my new Driver 's License 3 times via www.americanexpress.com/documentcenter. The picture is JPG and is crystal clear. Each time I get a letter from AMEX stating that they can't read it. I'm not sure where the disconnect is, but that is why I have now resorted to the CFPB portal.
Around the last of XX/XX/XXXX, XXXX from Portfolio Recovery called and said I owed on a XXXX XXXX Card. I told her that it was from Identity Theft. And I had already filed a report the Id theft report. And she said that she will report this in the case and start the process for me. 

So far, I have recieved 2 more calls attempting to collect the money owed. I emailed them all the paperwork they sent me on XX/XX/2018.
On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at Visio Financial ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned.
I sent XXXX XXXX XXXX the letter below on XX/XX/XXXX. They received it on XX/XX/XXXX. It is now XX/XX/XXXX. I have yet to hear from them. They have yet to answer and it is already past the 30 day limit.
From : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, Mo XXXX  XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary document.
FXXXX XXXX XXXX, must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p, i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your Tax Registration certificate!
Failure to substantiate the claim, please settle account immediately within the next thirty days.
Sincerely, XXXX XXXX XXXX Executor of the Estate
Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?
I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
Violation of FCRA Violation of FCRA Fair Credit Reporting Act Reporting old debt as New or Re-aged False Statement in Re-aging old debt in reporting to credit report companies Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' sent letter to consumer with XXXX as letterhead and return address, implying threat of suit
In the months of XXXX and XXXX 2017 Wells Fargo reordered the transactions made daily which resulted in being charged more overdraft fees.
FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal. 

My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.