WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar is the servicer of my second mortgage. After my first mortgage was successfully modified by the XXXX XXXX XXXX, I contacted Nationstar to inquire about a 2MP under HAMP. Nationstar informed me that my investor, XXXX ( XXXX ) does not participate in home loan modifications regardless of the federal HAMP guidelines. So I contacted XXXX. XXXX provided me a telephone number to a voicemail system that states " the decision to modify a mortgage loan ins the sole discretion of the servicer, here Nationstar. So I contacted Nationstar again, to make them aware of the XXXX voicemail. Nationstar 's representative asked me to conduct a conference call with himself, myself and XXXX voicemail system so that he could hear it himself. Once he heard the voicemail, Nationstar 's representative told me that Nationstar will conduct an internal investigation into this matter. Nationstar sent me a letter following their investigation stating that the XXXX voicemail was inaccurate and that the decision to modify was the sole discretion of the investor, here XXXX and not theirs. This information confused me. Nationstar is being evasive and not forthcoming with the real reason behind their arbitrary decision not to consider my home loan for modification pursuant to HAMP. I applied for a modification back in XXXX 2015. At one point, Nationstar rejected my payments and credited them back to my bank account. When I contacted Nationstar, they told me that they were rejecting my payments because I was over {$1200.00} behind and that I needed to catch up. Fearing that Nationstar had begun foreclosing, I sold some items and borrowed money to pay them because I 'd like to keep my home. When Nationstar called my home to collect on the late payments, I informed them that I had filed a complaint with the Consumer Financial Protection Bureau. The Nationstar representative then informed me that he will escalate the matter as a " proactive measure since I had filed a complaint. '' He said they will look into the matter. Nationstar still has n't offered to review my application or modify my loan under the HAMP 2MP. Nationstar continues to blame XXXX and XXXX continues to blame Nationstar.
I bought a car from DriveTime on XX/XX/XXXX & have made every payment on-time since then. As of this date, XX/XX/XXXX, I have no record of these payments being reported on any of the XXXX main credit bureaus. One of the main selling points of DriveTime is they help you rebuild your credit & included in my closing paperwork is what is entitled Credit Reporting Notice which clearly states that they will report this account 's activity to all XXXX credit bureaus & my account number is claerly visable in the top right hand corner of the page. I have spent months calling the DriveTime Financing office to only get the run around ... one excuse after another I 've heard ... & even spoke with supervisors who seemed to really be on the matter after they reassured me that my credit would be reporting soon I backed off ... .only to discover that nothing has changed! As of this date XX/XX/XXXX I have made XXXX consecutive on-time payments to DriveTime wich is Not reflected on any of the XXXX major credit bureaus ... .as a matter of fact their is no record of my even having an account with DriveTime. For the record, my account number is XXXX. I will include supporting documents in this communication. Thanks for your assistance!
On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with XXXX XXXX on my experian report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and XXXX XXXX were contacted and still not response. I have found XXXX XXXX to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to XXXX  ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. XXXX did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX
This credit bureau has reported me from everything as dead to having an incorrect social security number.I have had the same ss # for XXXX years, I assure you I am quite alive. I receive my social security check every month. The other XXXX bureaus no I am alive.I have sent copies of my drivers license, social security card, security officer license and a XXXX from last years income tax report.They responded with an incorrect report with wrong name, wrong credit report and wrong ss # .I hope to reach someone with a brain to straighten this out.My name for XXXX years has been XXXX not XXXX and my ss # has ALWAYS ended in XXXX not XXXX.my email is : XXXXXXXXXXXX
Company will not refund surplus, have lied repeated about what is law and policy, have harassed us consistently, an have ruin our credit, and are threatening foreclosure in spite of the fact that they have received more than required for accurate monthly requirements. The practices of this company are fraudulent, and misleading. We have consistently provided information, waited the advise time period, and 45 days later no resolution.
I have had some difficulty financially since XX/XX/XXXX I have XXXX children and sometimes it was hard to make ends meet so I took out a Title loan from 1800 Loan Mart /Wheels Financial Group based out in XXXX calif I must have rolled over about XXXX loans in the past years i had received a loan back in XXXX XXXX for {$500.00} so that was rolling over a previous loan so that was back in XXXX XXXX then in XXXX XXXX I took out another {$500.00} that made another rollover loan # XXXX now after this last loan I never took out anymore on or about XXXX XXXX I received this phone call from 1800 Loan mart and said do n't make your payment for XXXX XXXX just make it in XXXX XXXX now this is still on the loan number XXXX and now they said your loan number is going to change when you make that new payment in Jnuary use XXXX that 's the new loan number so I 'm paying now ive come to the end of XXXX payment after 48 months never getting anymore loans I thought wow I did it but no 1800 loanmart said wait XXXX XXXX you signed for a third loan that loan number is XXXX but I told them you called me in XX/XX/XXXX and said the loan number changed from XXXX to XXXX they said no this is a third loan for XX/XX/XXXX no way I said I did not sign for this I have been trying to get to the bottom of this they sent me copies of a contract that to my knowledge has been altered to make it look like I signed it so I believe 1800Lloan Mart did an illegal roll over loan on me they wont let me fly up and look at the original keep giving me different stories they know what they did I can have anyone subena my telephone records for XX/XX/XXXX they called I 'm absoulutely XXXX they did and said that loan number changed I have had a great relationship with these people and help me out a lot but that does not give them the right to do an illegal loan roll over when that loan is matured for XXXX I 'm in a better place in my life and these people took advantage of me and thought I would not notice because I had rolled loans over but they made a bad choice I have given them several chances to come clean they want to stick to their story but phone records do n't lie original copies of contracts do n't lie but defrauding customers plus a loyal customer is against the law
ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX CREDITIOR CLASS MEDICAL/HEALTHCARE CLIENT   XXXX   XXXX   XXXX   {$940.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX  ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON  XXXX  ASSIGNED  XXXX  CREDITIOR CLASS  MEDICAL/HEATH CARE  CLIENT   XXXX   XXXX    XXXX  {$1200.00} STATUES OF  XXXX UNPAID DELINQUENCY  XXXX
The companys response addressed all of my issues No ADDITIONAL COMMENTS The response in question explains their position from its viewpoint. Which is a moot point of view? My request was a GOODWILL adjustment. That said, on information and belief GOODWILL is defined as : a kindly feeling of approval and support : benevolent interest or concern. As stated ; I Did speak with a XXXX XXXX XXXX on XX/XX/2018. During our conversation he was very combative as if my request did not concern him in any way. I do understand as he is not in my position. Sure USAA rendered their XXXXondolences for the loss of my Wife which would be very devastating to anyone with any GOODWILL within their spirit. As stated in my initial complaint ; 1 payment was missed. Account was immediately placed back on point as reflected in their report to each credit bureau ( 30 days ) minimum. Account was paid in full promptly. On information and belief, Fairness is defined as ; marked by impartiality and honesty : free from self-interest, prejudice, or favoritism a very fair person to do business with, That was not the case reflected during my conversation with XXXX XXXX. In closing, I would like to reiterate on the fact of the aforementioned company has/is acting in an UNREASONABLE manner in this instance as their/his actions are beyond the limits of acceptability or fairness. Thank you in advance for your prompt and professional handling of this matter. Respectfully,
On XX/XX/XXXX, U.S. Bank Card Services decided to close my credit card account with a limit of {$22000.00} that I have had since XX/XX/XXXX. In a letter dated XX/XX/XXXX, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all XXXX of my credit bureau reports. I informed them that I had to place a security freeze on my credit reports as a result of the XXXX XXXX XXXX and XXXX data breaches since I am a federal employee and that it would cost me a total of {$30.00} to unthaw and refreeze my credit reports and would also result in a new hard inquiry. U.S. Bank informed me that they randomly select a credit bureau. Before U.S. Bank decided to close my credit card account, my XXXX Credit score was in the XXXX range and now has dropped to XXXX based on the AdvantageScore from XXXX XXXX. In addition, the length of my credit history went down from good to poor due to U.S. Bank closing my credit card account. In addition, both my XXXX and XXXX credit reports remark that the account was closed by myself, when that was not the case. While I admit that I had misplaced my U.S. Bank credit card in my files resulting in the activity, I feel that U.S. Bank could have sent me a letter in advance that they were considering closing my card so I could have began utilizing the card again. My XXXX and XXXX scores are in the XXXX FICO range so I have managed credit wisely. I believe it is unfair that I am now being penalized on my credit report and score when I have done nothing wrong. I have never been late on a payment with U.S. Bank regarding my prior home mortgage, lines of credit, prior car loans, and this specific credit card account that was closed.
After explaining to the Dr office that I never attended their office in 2015, I have received repeated calls from Capital accounts,,, I have been threatened, Cursed at and told I would be sued, I received calls over 5 times day at times Some names include XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX just to name a few I have told then I dispute this account Based on I never went in 2015 ... .They have falsified insurance dates and this is a case of fruad
I believe that I am a victim of shortcuts or deception by Navient- XXXX of misappropriating advance payments on my student loan accounts.
I have provided proof that the debt was paid previously, it appears the debt was passed on to another collection agency and the payment not noted. I continue to be called and have a log of those calls.
QWR Qualified Written Request Notice of Error LOAN XXXX OWNER XXXX XXXX LAST S.S. XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX IN XX/XX/2012 WHILE THIS PROEPRTY WAS UNDER A FEDERAL STAY THE LOAN SERVICING COMPANY XXXX VIOLATAED MY BANKRUPTCY RIGHTS BY ADDING ON PAYMENTS TO THIS LOAN FOR FORCED PLACED FLOOD INSURANCE AND HAZARD INSURANCE PAYING OFF A TAX PAYMENT CONTRACT THAT IS PART OF THE DEBTORS CONFIRMED BANKRUPTCY PLAN AND ASKING FOR THAT MONEY IN A ESCALATED PAYMENT NOT IN THE PLAN. THE DEBTOR HAS BEEN FORCED TO MAY ATTORNEY FEES AND CHARGES ON THIS LOAN THAT HE SHOULD OF NEVER BEEN CHARGED PER THE BANKRUPTCY PLAN AND FILING. NOW I AM ASKING SELENE TO INVESTIGATE THE HISTORY OF THIS LOAN AND JUSTIFY XXXX XXXX CONCERNS IN THIS CFPB COMPLAINT. SELENE RECEIVED THIS LOAN FROM XXXX   WITH ERRORS AND HAS NOW ADJUSTED THE PAYMENT TO THE CORRECT AMOUNT OF {$260.00} BUT HAS REPORTED TO THE CREDIT BUREAU THAT XXXX XXXX WAS LATE TWICE ON THE PAYMENTS WHEN INFACT XXXX XXXX HAD PAID THE CORRECT AMOUNT ON TIME AND SELENE AT THAT TIME OF PAYMENTS TRIED TO REFUND THOSE PAYMENTS WITH CHECKS XXXX AND XXXX. AS OF TODAY XXXX XXXX HAS NOT CASHED THE CHECKS AND THE ACCOUNT NOW SHOWS A CREDIT. PLEASE ADVISE
The mortgage company irresponsibillty put XXXX rates on my credit report. The credit bureau received all the information needed to remove this information from my report. I never was late. This has been a consistent problem
I took a flight from XXXX to XXXX. When the flight was landing, a credit card application was offered/passed around offering XXXX XXXX XXXX miles if we signed up for the card. I filled out the application. A few weeks later, I received a card from XXXX XXXX XXXX XXXX. It was then I learned I had an annual fee of {$95.00}. So, I decided not to activate the card. Two months later, my credit warning showed that I received a negative mark on my credit report. Apparently, without me knowing, this Barclays Bank sent the credit agency a late payment for not paying the annual fee - on a card I never activated. I have since cancelled the account, but do n't believe you should be required to pay for a card account you never activate. To make matters worse, Barclays will not provide documentation I can give to the credit reporting agency showing them I never had this account open.
Both my husband and I told this company that I am unemployed, have no money, my husband had XXXX bouts of XXXX that we can not pay this bill and to stop harassing us with calls. They wo n't stop calling. They continue to call my husbands work cell phone and my cell phone after we repeatedly said to stop.
I requested a prepaid debit card from XXXX, which is issued by NetSpend, so that I could have access to my funds paid to me by XXXX.I was denied the card, because NetSpend is saying I owe them {$72.00}, and would not give me an explanation as to why I would owe them money owe a prepaid debit card.I donot owe these people any money, and I need to know why they are saying I do? I believe this a scam.I ask them to send me an explanation, he refused?
I was sued for a debt owed to XXXX XXXX XXXX XXXX. I went to court and was told to pay what I could afford monthly. I am on XXXX & was sending them $ XXXX/month, which they were deducting from my account each month. They repeatedly called me and left messages, I have XXXX XXXX which is increased with XXXX. On XX/XX/17, Wakefield & Associates levied an account of my sister 's which my name is XXXX also. They took ed every penny and took the account to a XXXX balance. I now have to pay my sister this money back, which I do n't have. My sister has helped me due to our financial situation and put my name on her account so I could borrow when needed and repay as I can. I called Wakefield & Associates and was told, yes, they did receive the $ XXXX/ monthly payments and was applying them to a debt owed to " XXXX XXXX Hospital ". I was not sending the money for this debt, I was sending it for the account I was sued for which is XXXX XXXX XXXX XXXX. They we very uncaring that I do n't know what I am going to do now because I have no money to pay my debts. I do n't think they should have been paying the payments towards a debt that it was not intended. They call me from early morning to night on most days. It 's sad that medical bills that are unavoidable sometimes can ruin a person 's life. Wakefield & Associates are unrelenting and uncompassionate. Thank you, XXXX XXXX
I opened a  JC Penny credit card at a JCP store  on   XXXX   XXXX    , at that time they did not tell me that card had a anual fee. Then I left for another country for  XXXX  years. When I came back, I was informed I owed the card {$130.00} annual fee. It was really unfair but I  paid it off. Finally I found this had been recorded in my credit history. It is not my false. JCP has the cheating behavior. I want to remove this charge off record from my credit history.
Ally  Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.
I was taken by ambulance to the emergency room in XX/XX/XXXX in XXXX Maryland. I paid for the hospital bills as well as the ambulance fees when they were billed at the time at my address. 

As of XX/XX/XXXX I am receiving calls from XXXX now that I owe {$100.00} to a doctors ' billing company. XXXX claims that the billing company could not locate my address, even though the other bills came to my address with no problem. Also, the 'old address ' that XXXX XXXX the contact at XXXX, claimed they were using to try to bill me is a totally inaccurate address pieced together from some of my prior addresses. 

XXXX filed a collections report with Equifax in XX/XX/XXXX - long before I 'd been contacted or had any chance to verify their claims and settle the matter. As XXXX explained to me - they were unable to find an address or any way to get a bill to me. There is no way a collections charge should be applied to my credit score for a charge of which I had no knowledge.
In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called American Express to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but American Express would not re-open my account or take ownership for their CSR 's mistake.

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX,  so there is no reason for that to be on my credit report.
I lived in XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. When I moved out, I was not sent a bill through paper mail or any other outlet. I was not notified that I could dispute the debt. I did not receive notification until my bill had been sent to collections without my knowledge and it was shown on my credit report. The bill was {$250.00} for carpet replacement and extensive trash removal. I tried contacting the apartment office through many outlets and received no response. I do not believe the debt belongs to me, I believe it belongs to the person who rented the other unit in the apartment.
In XX/XX/2008 court awarded my exhusband XXXX the property on XXXX in XXXX, Ca. with all encumbrances .. This bank of america loan # XXXX is still showing up on my credit report.. I have contacted bank of america on this subject. This is listed as an invividual on my resent credit reports.. This was a joint account..
i am a XXXX XXXX year old consumer Enclosed A COPY OF MY TRANSUNION AND XXXX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE XXXX REPORT ON TRANSUNION CREDIT REPORT ARE XXXX XXXX XXXXXXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX  XXXX XXXX XXXXXXXXT ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to XXXX in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
I have been fighting with Experian and XXXX to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.