WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of XXXX XXXX bank sold my mortgage to Nationstar Mortgage Company. In an attempt to be proactive, I called Nationstar and explained to them that after several unsuccessful attempts to do a Short Sale while my loan was with XXXX, that I wanted to do a Deed In Lieu. I thought by doing a Deed In Lieu I would be surrendering the property in a manner that was legal, correct and responsible, as opposed to just walking away abandoning the property and being a " irresponsible '' homeowner. After several looong months of getting the run around, sending in countless packets of Nationstar generated documents, along with my own financial records, bank statements and updated applications. In addition having to sit in a room with my ex husband for 45 minutes while we signed XXXX pieces of paper each and had them all notarized AND REVIEWED FOR ACCURACY AND PROPER COMPLETION BY MY ATTORNEY and HER ASSISTANT/NOTARY ... The Deed In Lieu was FINALLY executed on XXXX XXXX, XXXX ... .NINE MONTHS after I had begun the process!! I was relieved and felt very good about the fact that I had completed the process and surrendered the property in the manner of a proud homeowner. Now it is XXXX XXXX, and I received a phone call from a woman named XXXX stating she was with Nationstar Mortgage and that she needed my address so she could send a Notary to my residence to execute the Deed In Lieu Documents. i was very confused by this call because I thought the process was done and the property had already been sold. I told her that there was a mistake and the process had already been completed. 4 days later I received a mortgage Statement from Nationstar for all back payments since the date of default, they are also telling me I am still the legal owner of the property. I then proceeded to call the legal/escalations department at corporate. they told me the documents were not executed properly on their end and they are trying to get the problem fixed. I was supposed to get a call back on Friday XXXX XXXX. Needless to say I DID NOT get a call back on Friday, and had to call them back on Monday, with no resopnse. Then Tuesday, XXXX XXXX XXXX called AGAIN from customer Servcie in the Deed In Lieu Department, asking if I wanted to Proceed with the Deed In Lieu Process. I told her I was speaking with the escalation dept. and asked her to read the notes on the account. She informed me that there were no notes other than the notes from XXXX XXXX, when I called in about receiving the mortgage statement. So I called corporate AGAIN and spoke to the escalation dept. I was informed that they were still working on the issue to resolve it without the docs having to be re-executed. I asked why the account was not being notated, and he told me they were doing this " behind the scenes '' and they could not notate the account. Now I am sitting and waiting yet AGAIN ... I am at their mercy yet AGAIN! If I do have to re execute the docs, I do n't know how I will be able to, as I do not know the whereabouts of my ex husband, and if I did I 'm sure he would be unwilling to cooperate in signing the docs again!
My daughter had XXXX  XXXX at XXXX XXXX XXXX and they never sent or sent a CORRECT CPT code to blue cross blue shield. The insurance company stated they will pay it if XXXX XXXX will enter and send them the correct code. I contacted them a year ago to correct this and the insurance company faxed something to cottonwood and they never corrected. I now have BONNEVILLE COLLECTIONS coming after me for XXXX medical bill that my insurance company XXXX  have paid. This has effected my credit very negatively I cant even apply to get a car or house because of an high balance
I deposited an amount into my checking account to cover my monthly home equity line of credit payment withdrawal on the day it comes out of the account. The payment was bounced back and I received {$100.00} in fees directly related to this. The amount I deposited was only {$380.00} to cover the payment and that is almost a third of that. The realistic amount I should have to pay should be around {$0.00}.
SLS Mortgage Company has issued an incorrect XXXX the interest stated is 50 % less than what was payed.
I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.
Saturday around XXXX XXXX I received a call talking about mortgages from a Quicken Loan employee. I explained I just had XXXX and couldn't speak but the man became pushy and started to ask for personal information. I didn't want to lose business with them long term so I gave him what he wanted. He then explained he was going over rates, I asked if he was about to do a hard pull on my credit and he replied with he already did and then proceeded to tell me my credit score. I now have a hard pull that dropped my credit because some person never asked or bothered to tell me he was pulling my credit! When I told him I was upset he kept telling me to calm down and that he'd find me a good deal. I didn't want a deal, I wanted to be left alone until I was 100 % ready to buy a house. Very upset and I don't feel that I should be punished for his actions! Please help me.
On XX/XX/XXXX and again on XX/XX/XXXX I sent Transunion a handwritten certified letter in regards to four accounts listed below. In the letters I requested Transunion send me verifiable information namely the original contract signed by me, in according to the ( Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. ) XXXX -- XXXX XXXX XXXX -- XXXX XXXXXXXX/ XXXX -- XXXX Each time Transunion has returned my request with no original contracts only a summary stating Verified and lastly Updated. Neither is what I requested in my letter to Transunion. Nor did they offer an explanation of their verificatio XXXX method. My request is simple either Transunion offer me the original contracts of these 3 accounts or in turn remove them from my credit report just as XXXX did. 

Thank you for your assistance in this matter.
I have been verified on coinbase.com for weeks and have been able to buy and transfer money to the website. I now wish to sell some of my digital currency but coinbase is asking me to verify information. I do so and i get an error saying I can not be verified. This effectively locks me out of my money even though I have already been verified. Now coinbase is failing to respond to emails and I am not alone in this issue.
In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions.

As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record.

Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters.

If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers.

Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay.

Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers.

State agency has NOT provided any help in correcting this action.

XXXX XXXX   <XXXX> Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license.

Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX  XXXX XXXX  Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made
I have an account with Bank of America. I transferred XXXX XXXX $ to my mom to XXXX in dollar to her dollar account at XXXX. I paid the {$45.00} transfer fees. My mom received only XXXX XXXX . XXXX is not taking responsibility for the shortage of the money. They claim this is what they got. I also complained at Bank of America, but they are not taking responsiblity either. I need help!!!
My CapitalOne credit card says " XXXX day billing cycle '' when it is really only XXXX days. My billing cycle has always been XXXX days after XXXX of service. My end date for XX/XX/XXXX was on the XX/XX/XXXX, my next bill cycle should be through the XX/XX/XXXX but instead my bill is due on the XX/XX/XXXX. I called to explain that they have their dates incorrect but the woman ( was speaking to someone outside the XXXX ) kept talking in circles never admitting that my account is now being billed incorrectly. My APR is very high so it 's important that they stick to the consumer agreement of a " XXXX day billing cycle ''. Since this is a big bank and impossible to fight, I got nowhere with the call. Can you help me?
On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted.
Improper contact after I asked them not to call me, ERC collection agency left threaten messages to my phone and parents house say that I would go to jail if I did n't contact them in 10 days.
I have a XXXX mortgage with Wells Fargo. I have been requestinginformation from them. They keep saying they need 16 days. They have been trytrying to foreclose on my mortgage from day one. They destroyed thePromissory note and sold my mortgage as a mortgage back security. 
I asked for the original contract with my signature and payment historythey sent me a bogus paper that was not the contract I signed. I asked forsomething showing the recording of the sale or transfer of my mortgage to themthey stated that they do n't own it. THIS IS FRAUD. TODAY THEY CALLEDAND STATED THAT THEY ARE FORECLOSING ON MY HOME
I made reservations and paid for virtually all expenses for my trip to XXXX, including airfare, hotels, transfers, meals, shopping, etc. using my Chase Ink Visa Card. On the way to XXXX from XXXX on XX/XX/XXXX, my flight was delayed and eventually cancelled approximately 5 hours after its scheduled departure and after I had boarded and been on the plane for more than an hour. All passengers were asked to deplane the aircraft and were stuck in the XXXX XXXX airport with no assistance whatsoever from the carrier XXXX. I had already been traveling for approximately 24 hours at this point, and was now stuck in a foreign airport after midnight with no recourse or ability to secure transportation or lodging. After spending the entire night without sleep, I was finally able to book a flight to my destination out of XXXX 's other airport on XXXX, albeit at a different airport and at significantly higher cost. Upon returning home, I tried to make trip interruption and trip delay claims provided under Chase 's credit card agreement. This service is provided through a website called XXXX XXXX XXXX   ( XXXX ) which is owned by XXXX XXXX, and after seven weeks of repeated email and fax documentation submissions and more than 15 telephone calls, neither claim has progressed. I have received a litany of excuses as to why, all of which are unsubstantiated. I have attempted to submit documentation using their website as instructed using two different computer ( one XXXX and one XXXX XXXX ), using three different web browsers in each operating system as well as trying an XXXX  and XXXX, Every time I received and error message stating that there was a problem and to call customer service. Each time I called customer service and was given a different excuse and told to submit my documentation either by email or fax. I have submitted every document via both email and fax, have had no emails bounce back and have every fax confirmation that my transmissions were successful. I have called virtually daily to follow up and continue to receive excuses as to why they have not received my documentation and hence why they can not process my claims. I literally have run out of avenues to pursue my meticulously documented claims, and believe that Chase 's insurance claim processing service is either completely incompetent or potentially fraudulent. Each call has involved a different customer service agent who has provided different or conflicting information and refused to let me speak to a supervisor, a technician responsible for website administration and document processing and the claim adjuster allegedly assigned to my case. Chase and XXXX XXXX have been completely negligent and should be admonished for their failure to honor their credit card agreement and attempting to deny legitimate claims thereunder.
XX/XX/XXXX - student loan paid off, letter attached, XXXX XX/XX/XXXX- Contacted by XXXX XXXX about my loan, letter attached - XXXX XXXX XX/XX/XXXX - signed intent to pay under threat by XXXX XXXX to Attach pay XX/XX/XXXX- found XXXX Letter of proof of payment in XX/XX/XXXX, letter attached - XXXX XX/XX/XXXX- Mohela obtained loan contact via letter for payment transfer XX/XX/XXXX - Contacted DOE - XXXX XXXX XXXX, Faxed to XXXX Case # XXXX my documentation of proof of payment of loan. Received a call in XX/XX/XXXX about the same matter from XXXX XXXX. Did not realize she had spoken to me. Asked her what she had done to date. Response was she would get in touch with Mohela about cancelling debt collection and clear credit. Have never received any information in writing or phone call back concerning this matter. XXXX XXXX XX/XX/XXXX- Contacted CFPB regarding matter XX/XX/XXXX - Received response from Mohela that was not satisfactory. I want copies of my loans and pay off dates and schools, etc. - XXXX XXXX Legal action pending the outcome of this filing and FCC Complaint also with Department of Banking debt collection practices.
I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Equifax has cost me several hours, money ( to freeze my credit with multiple bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I received en email from XXXX XXXX XXXX XXXX XXXX The email was asking for personal info as well as trying to get me to download a .pdf and/or update my XXXX XXXX which should never be done except directly from XXXX to be safe. I called them and eventually heard they were trying to collect a debt that a previously did owe and have paid. They refused to supply any BBB info or any way to verify them with the state or a license number. So, I contacted the bank they said I owed money to just to verify that the account was paid in full and NOT in collections. It was, of course, paid as I recalled.
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The info from the email I was sent included contact info ...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX
I am not able to get through either to the Credit Card company or to Equifax or XXXX. There is a report by XXXX of my being an " authorized user '' on a Credit card that was not paid when my husband XXXX in XXXX. As I am sure you know, as a matter of federal law, this is not my responsibility. TransUnion answered the phone and was very considerate about the matter and assured me that an investigation would be opened and it should be removed in about 30 days. XXXX hung up on me. Equifax and Experian only respond to requests regarding recent fraud and security breaches. Can I get some help? I am a very frustrated widow, here, with a XXXX year old trying to get a credit repair.
I have disputed with Experian before and they have reinserted an account that is not mine. XXXX XXXX XXXX was removed in XX/XX/XXXX and was reinserted back on my report on XX/XX/XXXX this is not lawful to me as a consumer this must be deleted.
I financed an use vehicle on XX/XX/XXXX.which turns out to be a lemon. Within the 1st week I had to return to the dealer 4 times because of engines problems. By the 3 week, I explained to the dealer that the vehicle they sold me a lemon and I wanted to return this vehicle or give me another one. The dealer informed me that they can not do trades. I continued to have issues with this car. It finally broke completely down. So I told them to come pick up this car from the mechanic shop ( 6 months later ). During this time I was still making my {$320.00} payment every month till the vehicle broke down. At this time I did speak with Nicholas Financial regarding all the mechanical issues I was having but they informed they could not reverse the loan. 

Now Nicholas Financial is reporting on my credit that I owe {$7900.00} for this lemon. I never received any type deficiency notice from them. Nicholas Financial also reporting payment history for XX/XX/XXXX and XX/XX/XXXX like i still have the vehicle, which is definitely affecting my credit.
The original debtor XXXX, XXXX. in regards to ( XXXX CREDIT CARD ) # XXXX has notified me with a cancellation of debt letter form XXXX that pertains to THIS SAME DEBT with XXXX different collection amounts. Below are the collection amounts with XXXX different collection agencies that show still show on XXXX credit report that need to be REMOVED ASAP since I paid the cancellation of debt tax already with the XXXX form which I am submitting in PDF FORM in this email today.