WillisBack/dataset-financial-user-claim huggingface dataset:
i tried to open a dispute with american express on XXXX fraudulent charges.they would not open it at all.i feel that they should have at least investigated into it.the company was consumer advocate services. they stole XXXX dollars from me.they totally disappeared on me and american express would not look into it.
There was nothing to explain further. I have been sending letters to Experian and XXXX for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX
Shellpoint Mortgage is missing XXXX payments from XX/XX/XXXX and preventing me from refinancing from 6.25 to 3.33 percent. I have been trying to get them to look at my account since they took over the servicing in XX/XX/XXXX and correct my account as they have been sending me notice of defaults since XX/XX/XXXX. I have proof of when my payments were sent, cashed and applied ( or in this case not applied ) and have sent them letters asking them to correct my account. I am now getting phone calls from Shellpoint asking if I would like to make additional payments to them to get my account current. No one will return my phone calls or respond to my emails or letters asking them to correct my information. I am attaching some of the correspondence so you can see how often I have been trying to get a hold of someone at Shellpoint.
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
Submitted a reinvestigation request on XX/XX/2017, to date no formal or informal feedback of the outcome.
In XX/XX/XXXX orXX/XX/XXXX my car was repossessed. In order to obtain my car, I had to pay all the late fees and bring my account current. Now I am finally able to come to my last payment and Toyota has added {$1500.00} in late fees. After I had my car repossessed, I never missed any payments. I feel that Toyota is attempting to recover late fees that have already been collected. Each time that I would call, they would tell me that there was no late fees and not to worry as they would drop at the end of the loan. This is my first car purchase and I feel they are trying to take advantage of me.
MCM XXXX XXXX XXXX is keep sending me repeated letters regarding a debt that is past the statute of limitations and even says so in the bill they sent me. Even says if I do pay that it would enable them to sue me for the entire debt. 

I have asked this company to delete my record as past the statute of limitations. 

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
According to equifaxsecurity2017.com, my credit information was compromised by a security breach of Equifax 's systems. Equifax mishandled my information, which puts me and millions of other people at risk. Equifax did not notify anyone quickly enough and admitted that they will not notify everyone. Three of their executives conveniently sold off personal stock ahead of the announcement of the breach. On  top of that, they used vague fine print to con people into signing away their class action lawsuit rights by signing up for TrustedID, their credit monitoring service. These people hold our ability to buy cars, homes, and other consumer goods in their hands, and they not only failed us, but have used underhanded methods to deflect blame.
I open a checking and saving account with this bank XX/XX/XXXX. I received an alert e-mail saying my account was low, and at that time I open my account on the computer that is when I saw {$14.00} that was in checking. XX/XX/XXXX and every month after that an automatic withdraw of {$600.00} was taken from my checking account. I call the bank and spoke to someone at the bank about my account. I was told an affidavit would be sent fill it out send it in and a investigation would be done. After that I received a a letter saying that the bank would not refund any of the money. The amount that was taken from my account was {$71000.00}. I then close my account.
My mortgage was transferred to Nationstar in XXXX of 2015. My mortgage payment is due on the XXXX of every month. I am aware of a grace period that lasts until the XXXX of every month. I usually pay my mortgage on the XXXX or XXXX of each month online to prevent any late fees from being charged. When I made a payment to Nationstar on the XXXX of last month, I noticed that I was charged a XXXX transaction fee. 

I called Nationstar and was told that if they receive a payment after the XXXX of each month, they charge their customers a XXXX transaction fee. If payment is received before the XXXX, there is no additional fee. I believe this is wrong, I should not be charged any sort of fee for paying within the normal grace period. Nor should I be charged any sort of fee for paying my bill online, which is more cost effective than paying by mail or over the phone. Please look into this, I believe I am being ripped off.
Contacted me many time with my number but did just left a general message stating to please call RGS. They did not even mention who they are looking for.
My data was hacked as part of the Equifax hack. It would be great if Equifax pays to put a credit freeze on all 3 credit bureaus.Right now, they are not doing that. please put pressure on Equifax to protect its consumers and right the wrong done. Right now, they provide a 1 million credit theft insurance but I have to discover it 1st and then spend umpteen hours with credit bureaus to fix it and fill up umpteen forms. Putting a freeze on my credit bureau accounts prevents it in the 1st place. 
I signed up on their www.equifaxsecurity2017.com site but as i said it does n't put a credit freeze on my account on the 3 credit bureaus as recommended by XXXX XXXX - XXXX XXXX XXXX
I took out a loan with Mobile Loans, not realizing that I would be paying a XXXX interest rate every two weeks. I borrowed XXXX, and they are charging me {$200.00} every two weeks, plus XXXX interest every two weeks. I bring home XXXX per month from Social Security XXXX and can not afford to make a XXXX payment.
On XX/XX/2018, I contacted Experian to inquire why my XXXX XXXX XXXX Mortgage account was not showing on in my credit file. I was told by two different Experian customer service representatives that XXXX XXXX didn't report to them. I contacted XXXX XXXX and was told that they do report to Experian and that it must be something going on with their system. I called back and told Experian this on XX/XX/2018 and they didn't investigate just told me again it was because XXXX XXXX didn't report my mortgage account to them.
Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned.
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.
Navient failed to correctly apply or allocate borrower payments to my account. I signed up repeatedly for autopay and Navient would send me confirmation of enrollment in autopay and then not take out my payment and charge me late fees. Navient refused to give me options to pay by income and forced me to deferr my students loans by paying for this deferment which negatively affected my credit score and interest continued to accrue. As well, they obscured information consumers needed to maintain my lower payments because during school I was told I could have a pay by income option, but did not get that opportunity. Navient also required a full payment weeks after graduation which is not feasible time to secure a job and get a paycheck to make a payment. Navient also lied about requirements to release my cosigners from my loan and it went from XXXX months of one time payments to XXXX years.
XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.
Mars INC. Representiave contacted my Aunt XXXX XXXX on XXXX XXXX 2015 and by voice mail informed her that XXXX would be meeting me to discuss my debt with them. On XXXX XXXX 2015 My Aunt was contacted by the same person again, again another voice mail was left asking if she had gotten in contact with me and for her to call me to call her. I contacted MARS INC at my earliest convience which was three hours later due to the fact that i currently am an active duty soldier XXXX. When i Finally got through to the company i was verbally assualted and told i was breaking the law by not paying my bill. i told XXXX that i have done some research on the consumer protection act and it states that you XXXX can not call the same family members more than XXXX and XXXX you can not leave voicemails telling family members to get in touch with debt collectors and she had such broken XXXX rules. She told me this was not true and she could " call anyone she wanted '' to try and get a hold of me.
I have tried unsuccessfully on multiple occasions to discuss a payment plan with Kramer & Frank, PC, ( KF ) however they refuse to even discuss my case with me. How is it possible that a company that refuses to speak with you regarding making a payment plan can now garnish your wages? During my many failed attempts at a discussion with KF, I have graduated from XXXX, almost died from a serious illness, gotten into a very competitive graduate program, and most recently lost my job. My XXXX professor at XXXX University in XXXX XXXX informed me that he successfully sued KF due to there shady business practices. My relative had a payment plan with them some years ago and they continued to collect money after the debt was fulfilled. After reviewing, the original debt and calculating the payments my relative realized that the debt was paid-in-full months earlier. Prompted by this realization went to KF office and spoke to someone who confessed that yes the debt had been paid-in-full months earlier and was given paperwork to that effect. I have also had a previous debt years ago administered through KF and they would always " lose '' my money orders or " credit '' my payments towards someone else 's account. This caused me constant frustration and hours on the phone with them. I believe I spoke to a lady named " XXXX '' back then. It was due to these continued issues that promoted me to seek the advice of my Professor. My Professor 's advice was to always send things to them United Stated Postal Service Certified Mail with Return Receipt as it is admissible in court. This is one of the largest debt collection agencies in the United States. They have a very bad reputation within the XXXX community. I remember seeing them in court speaking very disrespectfully to XXXX including myself. It would not surprise me if KF is on XXXX Attorney General XXXX XXXX list of debt collection agency being investigated due to their dealings with the XXXX community ( please see links to articles ), XXXX and XXXX. Simple XXXX searches of KF will reveal multiple complaints that people have placed online many of which are regarding communication issues : XXXX and XXXX. According to an XXXX XXXX, 2011 article in The XXXX XXXX, XXXX, the same company KF is garnishing my wages for " XXXX XXXX , XXXX '' has been the subject of a class-action lawsuit in XXXX, `` ... XXXX is under fire in XXXX and XXXX, where the attorneys general have filed legal actions alleging that the company illegally mass-produced legal documents that defrauded debtors and hijacked the court system into serving as a collection agency. XXXX is also the subject of an ongoing class-action suit in XXXX, where a proposed settlement has drawn opposition from the Federal Trade Commission and attorneys general of XXXX states, including XXXX, for giving too little to consumers ... Of XXXX 's XXXX XXXX County lawsuits, XXXX were filed by a single attorney, XXXX XXXX of the law firm Kramer and Frank, which is based in XXXX XXXX and has an office in XXXX, XXXX. ''
I recently loss my wife in XX/XX/XXXX, and tried to refinance my home to get a better interest rate. I was later told that I had a lien on my home from Wells Fargo Financial in XX/XX/XXXX for XXXX recorded XX/XX/XXXX Book XXXX page XXXX. In XX/XX/XXXX we refinanced the loan with XXXX with no problems. My lawyer and myself have reached out to Wells Fargo ( phone calls and fax ) several times in regards to getting the lien released on my home. After a month of trying and getting no response I need another way of getting the lien released. The process of getting my home refinanced has come to an halt. Because I have not gotten a response on my lien being released and I can not personally talk to someone at Wells Fargo that can give me answers. I have faxed XXXX letters to Wells Fargo requesting the lien release.
Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.
I have n't had a late payment in almost 2 years wanted to get theses removed I have paid off the account
On XX/XX/XXXX, I opened a Bank of America Core Checking Account pursuant to the bank 's advertised promotion, which promised a {$300.00} bonus within 60 days after meeting the following two requirements : 1 ) Open a Core Checking or Interest Checking account by XX/XX/XXXX ; and 2 ) Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account. I satisfied the first requirement by opening my Core Checking account on XX/XX/XXXX. I satisfied the second requirement by way of 3 direct deposits on the following dates : {$1000.00} on XX/XX/XXXX, {$1500.00} on  XX/XX/XXXX, and {$1500.00} on XX/XX/XXXX. Those 3 direct deposits totaling {$4000.00} were made by XX/XX/XXXX -- well within 90 days of account opening. Although I satisfied all of the promotion 's requirements, Bank of America refuses to post the {$300.00} bonus. When I wrote to inquire, the Bank sent me a canned response that fabricates an additional requirement of a " promotional offer code. '' The promotion pursuant to which I opened this account did not mention any offer code, nor did the account opening application contain any blank to enter any code. I explained this to the Bank in a second letter, but received an identical canned response, with only the date and case number changed. For your reference, I attach the advertised promotion as well as my two letters to the Bank and its two canned responses. You will see that the promotional materials are silent as to any offer code.
We originated our Mortgage through XXXX, who in turn sold our loan to XXXX XXXX XXXX. During the housing crisis our family experience a job change and XXXX hospital stays for our daughter that resulted in a {$60000.00} loss for our household that year. My husband and I who are now separated, but working on reconciliation. We contact XXXX XXXX XXXX XX/XX/2011 to negotiate HARP assistance. XXXX XXXX XXXX lost our paperwork twice, and delayed getting help for over XXXX months. We even enlisted a credit counselor service who promised to get us " back on the road to financial recovery '' who took our money and failed to pay our bills. The only resort we had left was to file Chapter XXXX bankruptcy XX/XX/2011. Once we did this XXXX XXXX XXXX immediately sold our loan to NationStar. We have had nothing but trouble reaching NationStar to discuss anything with or negotiate or take action. They place you on hold for more than 15 minutes at a time and then hang up on you. We are broken, exhausted with the trials of the last five years of struggle in order to make ends meet and we can not get the help we need. We have both worked since the age of XXXX and are hard working. We have always tried to do all the right things and teach our children to do the same, yet we seem to never be able to get ahead. We are now having health issues due to all the stress that both XXXX XXXX XXXX and now NationStar are putting us through. We received a notice a week ago that they have involved XXXX XXXX XXXX to begin the foreclosure processes, however we have not been served with notice, nor any postings placed on our residence and we are still in Bankruptcy, which will not end for another year. NationStar told the US Bankruptcy court that they had served us a notice regarding mailing address changes, however if this is the case, then they did so fraudulently and without valid due process. We both work 10-12 hour days both of us have long commutes my commute is an hour in the am, his is more like XXXX, due to traffic issues in XXXX. We have tried to work hard for the " American Dream '' only to find ourselves in our late XXXX 's back to square one. We have attempted to contact the HOPE program, but they seem to do little to help and take a while to help with problems that need to be resolved immediately. I am sure they are busy, but this housing crisis problem is still very much alive and in my opinion, far from over or near resolve. From what I can see online, settlements for those hurt by XXXX and XXXX XXXX XXXX actions have been disbursed or closed. So, those that have continued to try and do the right thing, attempting futilely to gain control of the losses that plague them, have now missed the life preserver thrown out to help those injured. It saddens me that the Whistleblower 's who spoke out about what happened to consumers while working with XXXX XXXX XXXX faired much better ( in financial compensation ) than those people who were truly injured/affected by those Whistleblower 's actions. These people cost consumer 's their homes, their livelihood and their mental health.
My mortgage company " found '' {$4200.00} dollars when auditing my account. When I read the letter I called them to have the money cover my XX/XX/XXXX and XX/XX/XXXX payments and the balance would partially cover XX/XX/XXXX to which they put me on hold then came back and said that it 's done. I then received a call 3 weeks later from Nationstar Mortgage out of XXXX asking me if I intended on making my XX/XX/XXXX payment. I went crazy on the agent and demanded to speak to a supervisor. After waiting for a while the agent came on the phone and I said for the supervisor to call me. That was a week ago ... This is the second time I 've made a deal with the company and when I hang up the phone the deal disappears. I 've paid off other debts and ca n't pay the mortgage payments now that I 've made other arrangements so now I 'm worried about them foreclosing on me or putting non payments on my credit report thru no fault of my own. I ca n't believe that they can do this to consumers and would like help in straightening them out! 
Best, XXXX XXXXlNationstar mortgage account number # XXXX
On XX/XX/XXXX my loan was sold to Navient from SallieMae. Like many others struggling to pay loans, I entered into Interest only repayment for the maximum time allowed by Navient. 

Following the end of the Interest Only repayment period, beginning XX/XX/XXXX until XX/XX/XXXX, payments that I made in the amount of {$410.00} were distributed to my loan in such a way that there was no consistency with the amounts paid towards interest and principal from month to month. 

One example : XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$160.00} Applied to Principal : {$250.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$410.00} Applied to Principal : {$0.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$100.00} Applied to Principal : {$300.00} This continued until XX/XX/XXXX when I once again had to enter into Interest Only repayment ; the only option that I was told was available to me in order to be able to pay my loan.
In XX/XX/XXXX, I tried to continue making {$100.00} payment to XXXX since I still had 2 months left on my loan extension repayment. XXXX  told me they will not give me the last 2 months. 
Then in XX/XX/XXXX, I kept receiving many calls in a day from them. I had arrangement with them to pay {$280.00} every month for 3 month. They said I had to be on a plan to that they do NOT report it to my credit report for late payment as they begin reporting at 60day past due. 
Thus, I made a plan and I send them {$280.00} on the 6th of each month. 1st payment - XX/XX/XXXX ( paid ), 2nd payment - XX/XX/XXXX ( paid ). Now I'm due for the 3rd payment on XX/XX/XXXX for {$280.00}. 

I checked my reports reports today ( XXXX, XXXX, XXXX  ) and saw that XXXX  is illegally reporting that my account are delinquent and I am not paying- Report Date is listed as XX/XX/XXXX. 
How is this late when I have continued making payments before and afterwards? 

I called them multiple times today to get them to remove the negative and illegal report. They refused to take accountability for it and not interested in correcting the error ... I spoke to a " XXXX '' called XXXX with employer ID XXXX. She told me that her XXXX named XXXX XXXX will call me in 3 days to tell me the same thing. 

If the negative remarks are not completely deleted I will file a litigation against XXXX
I was not active in these accounts as I was dealing with an ailing mother, my Mother did in fact pass in XX/XX/2018, I was not made aware af any issue by the following institutions and with this information removed at once XXXX XXXX Chexsystems XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX I want ALL Information from the presidents of these bank, to supervisors etc, I am given this right under the FCRA. 

I want thes names to answer interogotories