WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to secure a loan modification with Nationstar Mortgage for several years now. I was the trustee to my mothers estate when we began working with Nationstar after my mother 's passing Nationstar has refused to speak with me as they do not acknowledge that I am the sole person in charge of her Estate I have forwarded all documents to prove who I am, this has caused major problems and I am now in danger of foreclosure. I am including a letter I sent to Nationstar. XXXX XXXX, 2016 To : Nationstar Mortgage LLC XXXX XXXX Director, CEO XXXX XXXX XXXX President, CEO XXXX XXXX XXXX , CRS XXXX XXXX XXXX , SPOC XXXX XXXX , SPOC XXXX XXXX XXXX XXXX XXXX XXXX , Supervisor Loan Modification Department XXXX . XXXX XXXX, XXXX, Tx. XXXX Re : Loan # XXXX -XXXX XXXX XXXX - Your reply to my XXXX Complaint and your abusive non performance. 
" In the Estate of XXXX '' XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : We received a reply to the XXXX appeal that we filed from XXXX XXXX XXXX at Nationstar Mortgage XXXX XXXX, XXXX, TX - phone number XXXX dated XXXX XXXX, 2016. 
XXXX XXXX stated that we could contact him with questions regarding proceeding with our loan modification request and suspension of the scheduled illegal foreclosure of my home. The decline letter dated XXXX XXXX, 2016 has a number of decline reasons that are incorrect. It seems that our file information may have been mixed up with another file at Nationstar. We HAVE BEEN SAYING THIS FOR GOING ON THREE MONTHS NOW AND NO ONE WILL TALK TO US. 
I called XXXX XXXX today and got the message that HE IS NO LONGER WITH NATIONSTAR AND TO CALL XXXX. I called that number and it answered " XXXX HOSPITAL ''! 
I am not being treated with " good faith '', " professionalism '' at this time and I protest! 
Please IMMEDIATELY STOP BLOCKING my communication with your staff so that I may have a problem solving conversation to approve my loan modification with a Vice President who understands your policy and will not be fired. 
Respectfully, XXXX XXXX XXXX
Wells Fargo violated my mortgage no oral modification clause. XXXX. Notices. All notices given by Borrower or Lender in connection with this Security Instrument must be in writing. Wells Fargo allowed a verbal change to my mortgage in strict violation of the mortgage and in contrary to Wells Fargo 's position in court AGAINST oral modifications. I have attached the original Notice stating the new payment beginning XXXX XXXX, 2015.
I want to complain about the Paypal credit. This company will lure you to get their credit card services by offering you some discount when making the first purchase. After you made the purchase, they will not send you a bill ; paper or electronic ( email notice etc. ). You make a purchase and after that you forgot about it. They keep adding fine to your account and interest every month. After 3 months they transfer your late payment to their collection department. Then you receive a notice or a bill for the double the amount of what you actually purchased. It happened twice to me, which causes unnecessary stress for you. Then you have to call their number, explain everything, and argue with their customer service. They claim they may have sent the email, but it probably went to my email junk folder. So how I got their final email which they actually sent to me. They wave the fine but still end up charging 3 months interest. This seems to be the practice they use to collect extra money from their customers. Also the late payment gets reported on your credit and you get a low credit scoring. This is unfair and unethical for them to use such practices. Now Paypal is a big company, so it is not expected from them. Hope they change these wrong practices of collecting extra money from their customers, and your department can help in it.
I resubmitted my IBR application and sent Nelnet proof of income ( three times ) as requested. I named the files " Gross Pay. '' I am  XXXX and pay my own quarterly taxes. I have nothing taken out of my pay by my clients. 

I keep getting emails saying they can not approve my IBR plan ( which was already approved earlier this year by my prior student loan servicer before Nelnet took over and unapproved me ) unless I send  them my gross pay. The last email I received from them was XX/XX/18. I sent them emails ( twice, once again on XX/XX/18 ) telling them that the proof of income is my gross pay, and I even named my files " GROSS PAY. '' Nelnet is purposefully delaying my IBR approval by claiming they still need documentation that I already sent to them. I feel they are harassing me. If they can not provide faster service and approval ( I submitted the requested documentation to them on XX/XX/XXXX ) they have too many clients. Their inability to respond in a timely manner is harming me. 

They have my clients ' address and phone number. If they are not satisfied with what I sent them, they can call my clients and ask what they have paid me for the last 90 days or whatever.
I did not know anything about this debt from Perfection Collection. They just added on my credit about 2 months ago and I've never received a phone call, letter, email or anything because it is not my debt. I never lived at the address that this debt was for. I disputed with them and XXXX credit reporting agency. I have sent drivers license and letters from apartment I actually lived at during the time they say I acquired debt, also sent emails from myself and collection company to XXXX and they still wont remove. This Perfection collection said the only way this could be removed is for me to file a police report and charge someone with fraud. 
The debt is from 2016 and just now coming up. I also just filed bankruptcy and this debt was added right after filing. Obviously if this was really my debt I would of filed it under my bankruptcy. But it is not mine. Perfection Collection is trying to collect at least {$2600.00} for a XXXX XXXX XXXX company. 
I know the legal process to even put this on my credit report was not followed.
I have a state tax lien from Georgia that was paid and withdrawn in 2008 but XXXX and Transunion WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking XXXX and TransUnion to please remove this incorrect information from my credit file.
PayPal has three accounts with my name and telephone number. 
One was closed without my permission and without removing my phone number. Another was created without my permission but includes my phone number. Only one should be open/active. 

I want my contact telephone number removed from both closed accounts as these prevent me from using PayPal 's antiquated telephone IVR system which requires that the telephone number from which I am calling matches exactly one account.
I am contacting your office because of an increasingly frustrating issue with XXXX XXXX XXXX concerning my mortgage. I have attached my original document to M & T and all the following correspondence. I believe the issues are clearly represented in my correspondence, and because of the inexplicable delays in responding to my simple requests, I can only begin to suspect that there is possible fraudulent action taking place. Please find all documentation concerning this dispute. I will continue to make the last undisputed payment amount as of XX/XX/2018 until this dispute is settled appropriately, however there are only two-three payments remaining and once paid, the likelihood of my collecting any overpaid or misapplied payments will be nil. I respectfully request you and your office immediate investigation and assistance in resolving this situation.
SRA Associates , Inc. and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of XXXX XXXX XXXX XXXX. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of SRA Associates and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed XXXXXXXX XXXX never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. XXXX XXXX purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. XXXX XXXX worked directly in consultation with XXXX XXXX and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XX/XX/XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. XXXX and SRA are both causing me great distress and distrust for the outcome of this loan. 

5. SRA Associates have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which XXXX XXXX should be totally responsible for at this moment. 

6. XXXX XXXX had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked SRA Associates to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
I was able to obtain a credit report from TransUnion through XXXX. When I clicked on the link to correct inaccurate information, I had to create an account after multiple attempts and then click on the link to file a dispute online. It did n't work and kept sending me back to the same page to initiate a dispute so I can correct the inaccurate personal information.
I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.
XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 times to   remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) imme diately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. M y credit score has   been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in suc h s demeaning  way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane
I am requesting a qualifying review of my mortgage as I am confused by the calculations surrounding my mortgage which was in XX/XX/XXXX modified by my lender under the HAMP modification program. Recently home was appraised and surprisingly is significantly under water with the mortgage. Subsequently no lender will accept my loan and so I can not get loan refinanced. Please request a qualifying review of my mortgage and provide a complete response as to all fees, interest and how they were applied. After paying loan since XX/XX/XXXX when loan was originated and for over XXXX years on time since my modification, I still seem to owe more than what the original loan was for {$430000.00}. Prior to my modification my loan was only XXXX months behind and was payed on time except for the XXXX months I was? behind the fees assessed then made my loan even more behind forcing the bank to file foreclosure on property .I have since managed to make all payments but now I am stuck cant sell the home or refinance the home due to my loan being severly under water even after paying over {$200000.00} since modification.
Today, Tuesday, XX/XX/XXXX, I received a call at work from Collectron a company in XXXX, GA attempting to collect a debt from a company that I had not heard of ( XXXX XXXX  ). I asked if it was a doctor 's office and which Doctor it was for. They were not able to tell me. I also asked that they not call my work number and asked to have a detailed bill sent to my current address. I was told that they were not able to send anything until I made a payment. After I refused to do so I was transferred to the caller 's " Boss '' at which time I was screamed at and told I could " do this in one of two ways '' split the payment or pay it all at once over the phone. He did not identify himself when I asked for his name. I told him that I was not able to speak t him in detail at work while he continued to scream into the phone. I hung the phone up on the caller.
I am having difficulty with a company that processed a check payment for an outstanding balance, and is giving me the run around trying to state that a payment was n't made. I 've provided proof that the check cleared the account, and want this balance removed immediately as they received every penny. Despite receiving and processing the payment on XXXX XXXX, 2017, I am still receiving harassing phone calls and emails from the company, who continues to transfer between three titles. This is unacceptable.
During a recent approval process for a mortgage from a Colorado lender, a credit report revealed that SunTrust listed a XX/XX/XXXX former mortgage, unrelated to me of which I will explain, as " Foreclosed. " This home was clearly awarded in a divorce settlement ( court document provided and highlighted ) XX/XX/XXXX where former spouse was to " ... receive sole and exclusive ownership ... '' would be " responsible for the monthly payment of the mortgage, the home equity line, taxes, and all other debt associated ... '' and " holds the Husband harmless from any liability associated.. '' Furthermore, a Quit Claim Deed ( document provided ) was signed to former spouse XX/XX/XXXX. 
Not only do these documents absolve me but most convincing is a letter ( document [ s ] provided ) dated XX/XX/XXXX " pleased '' to reference the loan " paid-in-full '' by SunTrust 's Lien Release Department accompanied by the Payoff Department 's notarized Release of Mortgage document. 
Despite these clear documents SunTrust states in a letter today that " we determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. This is preventing me from acquiring a mortgage loan and is willfully wrong. Please help.
XXXX is reporting 4 late payments from XX/XX/XXXX between 2 credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these 4 late payments which are unsubstantiated are damaging to my financing.
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.
I have contacted TransUnion for the past 6 months about the 2 fraudulent Bk 's and a collection account on my credit. I have reported the fraud to the FTC and provided TransUnion with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the 3 fraudulent accounts/errors remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX XXXX XXXX Account Number XXXX
I AM DISPUTING XXXX REPORTING. 
I have a collection on my report from Portfolio Recovery Associates on XXXX. The account is not mine and it was closed and removed by Portfolio Recovery Associates on XXXX other credit agency but not on XXXX. The credit card charges are from XXXX XXXX. 
Portfolio Recovery Associates were supposed to make sure that that account will be removed from all credit reporting.
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open :XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX  Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Transunion fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Transunion address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
They say that they told me of the APR of 561. They did say that I would pay {$410.00} a month but did n't tell me that it would be for almost a year and that I will be paying {$4000.00} all together for a loan of {$950.00}. It was n't until the third month that I got the break down of payments and found out that I will be paying {$410.00} a month until X/2018! 

I can not afford to pay that for that long. When they said it was {$410.00} a month I thought it would be for 3 months. 

When I called them I was told that I knew that I would be paying {$4000.00} for a {$950.00} loan. I would have never agreed to that. 

They wo n't help me at all.
i applied for a loan in 2011 and due to my credit i was denied a loan. i am now receiving phone calls from a mediation services scompany telling me that i had money deposited to my bank account which was not open during the time they claimed they deposited money and asking me to pay them XXXX dollars for the charge to be filled. I requested the company 's address and information and they hung up on me various time.
On XX/XX/XXXX I submitted a dispute to have two collections removed from credit report. One is XXXX XXXX ] and XXXX XXXX XXXX. 
Transunion ID # for dispute. [ XXXX The estimated date to resolve this issue was XX/XX/XXXX. 
These collections were removed and then put back on credit report. I would like to purchase a home and would like to have these removed from credit report. Having these listed on credit report is affecting my score for no reason.
My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. 

Thank You