WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage is now playing the same game for which XXXX XXXX XXXX was sued and had to pay a fine. They are arbitrarily making rules regarding flood insurance coverage compared to home insurance coverage that enables them to forcibly obtain additional flood coverage and take the amount out of one 's escrow account. I was notified by Nationstar that the difference between my homeowner 's policy and my flood policy was too great a difference ( their determination, not Fema 's ). The XXXX letter ( dated XXXX/XXXX/15 ) stated that my coverage needed to be at least as much as the unpaid principal balance of my loan, 100 % of replacement cost of the property as determined by my homeowner 's provided, or the maximum available from the National Flood Insurance Program. I called Nationstar on XXXX/XXXX/15 and was told the letter was in error regarding unpaid balance on mortgage. A XXXX letter was received, removing the unpaid balance of the mortgage as a choice of limits to go by. This letter I took to my homeowner 's insurance agent and explained my problem. XXXX XXXX then did a review and lowered my replacement value to less than my flood insurance and should have faxed said information to Nationstar. So today, XXXX/XXXX/15, I receive a letter from Nationstar stating they took out a GAP FLOOD INSURANCE POLICY effective XXXX/XXXX/15 through XXXX/XXXX/15 and charged {$6.00} to my escrow moneys. Nationstar unilaterally decided in XX/XX/XXXX that I did not have sufficient flood insurance coverage, did not inform me until sending a letter dated XXXX/XXXX/15 ( which is about the time my new flood insurance and homeowner 's renewed by yearly payment from escrow ). After I took care of their issues by lowering my homeowner 's policy, they inform me they bought a XXXX month gap policy for a period I was never informed of or given time to correct. Basically, Nationstar has no interest in my property beyond what is owed them. My policies more than cover the outstanding balance. A XXXX call by me to Nationstar on XXXX/XXXX/15 confirmed that this is not a XXXX policy but simply a Nationstar policy. To me it is simply a way for Nationstar and other mortgage companies to try and sell policies and make money at the homeowner 's expense. Having already suffered through this with XXXX XXXX XXXX, I find it appalling to have to go through this again.
I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but Experian and XXXX and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.
On XX/XX/XXXX I paid through a XXXX XXXX {$1300.00}. On XX/XX/XXXX, I bought three money orders which totaled {$2300.00}. On XX/XX/XXXX, I paid through a XXXX XXXX the fee of {$1100.00}. This totals {$4700.00}. To cure the default I had to pay {$4000.00}, XXXX. Ditech left a balance of {$730.00} for the Corporate Advance Fee and {$840.00} in Late Fees. Ditech did not pay {$130.00} of NSF Fees, or {$20.00} for Other Fees. Ditech put money is Escrow which resulted a check for {$1500.00}. I wrote a Notice of Error requesting my money be reallocated. In XX/XX/XXXX, Ditech sent an Escrow check of {$1500.00}. I sent certified mail to return the check to me because Ditech did not allocate money correctly. On XX/XX/XXXX Ditech sent another letter out for me to Cure the Default with fees of {$130.00} NSF Fees, {$20.00} Other Fees, {$730.00} Corporate Advance Balance and {$930.00} in Late Charges. The first time I paid these fees were through 3 money orders, and 2 XXXX XXXX at XXXX. The second time I paid these fees were through 2 XXXX XXXX of {$520.00} each on the dates XX/XX/XXXX, and XX/XX/XXXX. I sent 4 money orders which all specified a certain amount and how it was to be applied. XX/XX/XXXX -- {$130.00} NSF Fees, and {$20.00} Other Fees. XX/XX/XXXX {$930.00} Late Charges, and {$730.00} Corporate Advance Balance. I am sending copies of the Quit Claim Deed I sent to Ditech. I am attaching Notice of Error from XX/XX/XXXX, information sent to through certified mail about the Escrow check sent to him in XX/XX/XXXX, and copies of what I have currently paid to Cure Default by XX/XX/XXXX
I have an unverified accounts from Portfolio Recovery. I have previously disputed this account. I have never done business with Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Portfolio has reported collection on 3 credit reporting agencies. I sent registered letters to Portfolio Recovery requesting validation of debt for their accounts to the address listed, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters outlining erroneous statement of charges from the alleged account as debt validation. I have requested that Portfolio Recovery, verify the following information : 1.  Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. This account is affecting negatively on all credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Portfolio Recovery.
These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Equifax by phone and sent numerous disputes regarding this inquires. XXXX refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX s XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
RE : Complaint # XXXX. I received an email on XXXX/XXXX/15 stating my payment of {$48.00} has been posted to my account yet discover card continued charging my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX causing {$75.00} in overdraft fees plus a {$.00} transaction fee. No notice was received stating the payment due date had been changed from XX/XX/XXXX to XX/XX/XXXX.
On XXXX XXXX XXXX my home was flooded during hurricane XXXX and and was not livable and we were displaced. We contacted our insurance and got thing 's stared on XXXX XXXX .Working with Loan Care was a nightmare from the beginning the incompetence Communication and lack of organization was unbelievable .They lost parts of FAX Numerous times declined a contractor without letting me know WHY A month later when I called to find out what was happening? I was told that needed another contractor bid.I was rather upset sine my home was stilling in water moisture and mold and that they weted a month without informing me. Upset I bought Fans and Dehumidifiers to dry out my homeI called to find out about getting Reimburse I was told that I could n't place then in my home or be reimburse After months of lost & missed placed paperwork and no communication they told me they had sent {$20.00} in XXXX in XXXX and they immediately over knighted a check that had we had that check in XXXX we could have had our home dried much sooner The was to be signed by all parties and given to contractor as per Loan Care and caused much stress on us during an already terrible stuation the endless being switched around from person to person asking Over and Over for copies of all paperwork pertaining to our loan because the flood had ruined our copies. Loss of communication on contractor process not having a choice or allowed to have a choice in who did the home repairs but had to sign a contract. I feel that what they put us through caused our home to be damaged even more than the flood had. This contractor was to be complted by XXXX XXXX yet inspection says 30 % complete and that contractor demolished more then needed and was given {$40.00}. Causing us to be in a situation they may cause loss of our home could not pay the mortgage this month for the first time. We have had to deplete our saving and now we are on our way to foreclosure.This was a flood not caused by Loan Care but because of them uor Life has been greatly affected XXXX/XXXX/XXXX still have not got any paoper work I ask for.AND THERE IS MORE
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. 

I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
DATE : XXXX/XXXX/XXXX contacted TransUnion for a credit freeze. Talked to XXXX. 
ISSUE/COMPLAINT : TransUnion will not do a credit freeze, unless I send them a copy of my social security ( SS ) card ( via mail/fax ). However, this was not due to TransUnion questioning who I was because during this same call they did other actions for me regarding my information, just refused to do a credit freeze. 

BACKGROUND : Because of the XXXX security breach - my husband and I began the process of putting a freeze on our information with all 3 credit rating companies. My husband 's security freezes all went through. Mine went through with XXXX and XXXX. However, TransUnion will not freeze my account until I send them a hard copy of my social security card. They DID however ( in that same phone call ) put a 'fraud alert ' on the account and changed some information for me that was not accurate ( deleted a name listed that was incorrect ). My complaint is that TransUnion is refusing to do a credit freeze until I send a copy of my SS card : 1 ) I do n't want to send a copy of my SS card info through the mail or via fax, not safe. And, as the recent security breach shows, these companies can not keep my information safe. 2 ) Why should I pay for special handling so they can have a copy? 3 ) they already know my SS #, I had to provide it when I was attempting to do the freeze. Since they already have my SS #, why do they need a hard copy? 4 ) TransUnion did not provide a good clear understandable reason as to why they need this copy of my SS card-they just got irritated when asked this question. The only reason they provided was it was necessary " to update correct information '' ... however ( as I said above ) they already have this information ( my SS # ).
How can a credit rating company refuse to freeze your information until you send a copy of your SS card? I am simply trying to be a proactive consumer and protect myself from the vulnerability that the credit rating industry has potentially placed me in ( e.g., XXXX security breach ). However, the credit rating  industry is making it difficult for me to protect my information by making demands before they will take protective actions and they are not providing a good strong reason for their demands.
On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document. 

On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ). 

On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.
I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?
This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX.
After applying for the Capital One Venture card ( on XX/XX/2019 ), I received a denial stating " Based on your credit report from XXXX XXXX, length of credit history ''. 

However, I have over 30 years of credit history with XXXX XXXX. I do not understand the reason I was turn down. 

I tried to get an explanation from the customer service department, but they stated that they have no information concerning this credit card rejection.
I received a car loan from Santander for a little over $ {$10000.00} on XX/XX/XXXX, 2014. After the second year I decided to refinance because I noticed my loan amount would not change. Before refinancing I had paid Santander {$7000.00} and only {$2000.00} went towards the principle on my loan. Before contacting an attorney I would like offer Santander the chance to explain how this is possible and how it is legal to charge a customer {$5000.00} in fees which is half the amount of the loan.
Experian is reporting a collection on my credit report with XXXX that should not be on my report. Account Number XXXX should not be on there as the other XXXX bureaus deleted them from my credit report. I have contacted XXXX that the {$590.00} that they are claiming that I owe XXXX has not been validated by the FDCPA.
My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, XXXX, and TransUnion to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, XXXX  removed only 2 of the 4 items, and TransUnion removed 2 of the 4 items as well. I am scratching my head as to why XXXX and TransUnion only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to XXXX  and TransUnion on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.
I have been a bank of america customer since 2010. My salary, my home loan, everything are with BOA. Besides that I have been using Bank of america to accept more than 10 times wire transfer and none of them charge me fees. Every time my fee is waived since I am a loyalty customer.Even last time I called the agent and been told, I just to need to call every time after the fee post and they can waive it for me. Today the representative refuse to refund my wire transfer fee. And they need to be responsible for the misleading the customer. I have a lot more choices to accept the big wire transfer, but I get used to use the BOA which made me so disappoint today.
I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX XXXX XXXX/XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.