WillisBack/dataset-financial-user-claim huggingface dataset:
NATIONSTAR IS GUILTY OF LYING AND MISLEADING BOTH THE CONSUMER AND INVESTIGATORS ... STILL ... TO ILLEGALLY COLLECT ON A LOAN LOADED WITH FRAUD. 
****NATIONSTAR JUST ASKED FOR 5 MONTHS OF HOUSE PAYMENTS FOR 60 DAYS OF OCCUPANCY??? AND THIS IS NOT WRONGDOING??? ... COPY ATTACHED **** NATIONSTAR 'S REP, XXXX XXXX, CONFIRMED AT XXXX ON XXXX, 2016 ... THAT SHE AND EVERYONE ELSE THAT HAS RESPONDED IN 2016 ARE LYING TO THE CFPB OVER AND OVER AGAIN AND THERE IS NO BASIS OR FACT IN THEIR RESPONSES. IT IS ON THEIR RECORDED LINE ... REQUEST A COPY OF IT. 

TODAY, XXXX XXXX, 2016, WE FINALLY GOT OUR FIRST MONTHLY STATEMENT FOR 2016 ... AND IT HAS {$1300.00} IN ATTORNEY FEES ON IT AND A BALANCE DUE FOR ONE MONTH ... {$2300.00} ... YES ... THEY WANT ILLEGAL PRE-PAYMENTS TODAY ... AFTER LYING TO YOU AND UPLOADING A FRAUDULENT STATEMENT IN THEIR LAST RESPONSE OF {$940.00} XXXX, NATIONSTAR AND FREEDOM MORTGAGE ARE ALL GUILTY OF CRIMINAL RACKETEERING, LOAN FRAUD, EMBEZZLEMENT AND VIOLATING A STACK OF STATE AND FEDERAL LAWS. 

THIS HAS BEEN CONFIRMED OVER AND OVER BY THEM IN WRITING AND VERBALLY ... BUT THEY JUST WO N'T TELL YOU THE TRUTH NO MATTER WHAT. 

NATIONSTAR IS A FRAUD AND A CRIMINAL SCAM ... NOT A LEGITIMATE BUSINESS NATIONSTAR DID NOT ADDRESS ANY OF THE LOAN FRAUD ISSUES IN THE LAST COMPLAINTS. THEY HAVE NOW LIED TO THE CFPB AT LEAST 30 TIMES WHILE COMMITTING LOAN FRAUD, ESCROW FRAUD, AND ILLEGAL FORECLOSURE. 

I CAN PROVE ILLEGAL FORECLOSURE AND FRAUD USING THEIR RESPONSES. WE WERE TOLD THERE WAS NO FORECLOSURE PROCEEDING BECAUSE THEY WERE WORKING ON RESOLUTION. THEY STOPPED THE FORECLOSURE ON XXXX ... A PROCESS THEY SAID THEY NEVER STARTED. 

WE HAVE ILLEGAL PREPAYMENTS, AND ILLEGAL ISSUES THAT ARE UNADDRESSED. PLEASE HAVE THEM ADDRESS THESE ISSUES IN THE ATTACHED EXHIBITS. 

THE MOST RECENT ILLEGAL FORECLOSURE ATTEMPT WAS XXXX XXXX AND WE HAVE A COPY OF THE LETTER HERE. 

FOR THE RECORD ALSO ... I WILL ADD THAT ALL OF THE PEOPLE I HAVE MET IN THE MORTGAGE INDUSTRY HAVE PROVEN TO BE THE XXXX, XXXX, MOST DISHONEST, LOWEST FORMS OF LIFE ON THE PLANET. I FEEL SORRY FOR YOUR PARENTS ... AND ALL OF YOU ... THEY REALLY FAILED ALL OF US ... BY LEAVING US WITH ALL OF YOU.
I have always paid my mortgage two weeks early, I have been receiving letters monthly going back to XXXX? Stating that I was late. Obviously this was a major concern for myself. I called, talked about the issue, and was told it was resolved ( They received it early, suggested I pay it later in the month to fix the issue - it was applied as a principal only payment ). I started mailing my payments on the XXXX instead of the XXXX. This has happened every month since then and no one seems to be able to resolve the issue for me. I keep getting " My manager is n't available - they 'll call you back '' " I 'll call you before the end of the day '' " I 'll send you an email today no matter what to give you a status update ''. The issue right now is that I 'm " late '' on paying the late fee from paying early ; the same late fee I 've been told has been taken care of on multiple occasions. I also requested a corrected XXXX that showed my proper interest paid as the value on my XXXX is incorrect for 2015. 

At this point I do n't trust any of their accounting for my mortgage ; and no one is getting back to me or resolving my issue. I have spoken with McCue Mortgage on XXXX occasions at this point.
Supposedly the fraud department sent original cards to my Illinois address that was returned due to me no longer living there. The verification department is outsourced and their English is poor, which makes things worse when dealing verification, fraud and sensitive matters. When I called to update my account, they took my new address and even just sent me a statement, but have not sent the cards and have told me to look out for a letter in the mail. I have received a statement and no letter. When I call they tell me that they can not give me information ( except if I want to make a payment ) because they are locked out of my account. The customer service reps have hung up on me ( or the call was accidentally disconnected ) when I request to speak to management. They have been very unprofessional in their verification process which involves me getting the phone number of a person in my home ( when I 'm the only one home ).
I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt. 

In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt. 

I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute. 

XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX. 

The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.
I was called by a gentleman from CFS who states that he was contacting me for XXXX XXXX because I supposedly owe {$480.00} for a payday loan ( alleged account # XXXX ) that I supposedly took out with a bad checking account back in 2012. He could not provide me with any information about the company that I supposedly took the loan with and said that I could not talk to XXXX XXXX because it would be a conflict of interest. The phone # is XXXX and ext # is XXXX
Home Point Financial not managing my escrow account properly. Every year for the past 5 years my account seems to have a escrow shortage when the numbers do not add up, For example, when my Insurance and property taxes increase to {$200.00}, I get a escrow shortage bill for {$450.00}. Contacted the VA and they refer me to contact CFPB. I have requested a break down on how they arrived at those numbers, they send a basic break down but nothing showing how they arrived at the escrow shortage amount. Customer service reps for Home Point Financial were not friendly when ask to explain or break down shortage. I am concern!
This is the second part to compliant # XXXX I receive this document, firstly I received a escrow review statement that inform me the escrow shortage was XXXX. ( paid XX/XX/XXXX with the monthly payment ), then I was informed by a bank rep that I need to pay another XXXX to bring escrow in compliance so on XX/XX/XXXX another XXXX was paid this should have brought escrow in compliance and keep the mortgage the same. Now I receive this document. I have been told that unless I sign this document I will not be able to keep my mortgage the same even after paying the escrow shortage ... by signing this document I will give Well Fargo the right to review escrow every XXXX months and to make adjustments that will only benefit them.
I wrote a certified letter to Transunion XX/XX/2015. As of this date - though they have been very helpful in my attempts to correct other elements of my credit reports, Transunion continues to list addresses that have nothing to do with me. 
They are part of the identity theft while I was out of the country. 

Kindly help to encourage Transunion to respond to my pleas.
I can not recall years and dates so on because it have been so long ago. 

By the time I had graduated, I could not find any job so I could not repay loans. I asked Navient for advice on this, and they said forbearance was best option. So I used that option for few years. I can not recall how many years exactly. 

That increased the debt and interest quite a lot but it was better than leaving it to enter default. Since I thought it was best way, I also applied same to previous college loans from XXXX. For XXXX, I had used forbearance for maybe 2 years before XXXX advised me on using income based repayment. I was still not employed so bill would be XXXX. But there was no interest and base increase. I eventually ran out of forbearances on Navient and changed it to income based repayment. 

I finally had job so I started paying loans up. I have fully repaid 2 of 4 loans at Navient and zero out 3 in XXXX. It was going okay, till I found out about Navient class suit due to them giving bad advice on forbearance costing people like me bunch of money. 

So at the end I had increased repayment and interest on both sets of loans, due to Navient advice. Note this is not complaint against XXXX, but only Navient due to Navient bad advice affecting both sets of loans.
This is for an XXXX visit. My insurance sent me notices that the hospital overcharged and to not pay over a particular amount. I have an EOB that says the hospital was paid in full. I have continued to get phone calls from this credit collection agency and now it has hit my credit too.
When attempting to make a payment online, I received the following error message : The website is not responding at this time. Please try back later or contact your institutions customer service department for further assistance. We apologize for any inconvenience. I contacted the Freedom Mortgage customer service line and explained to them the error message. The representative informed me that the error was a known issue and that I had the option of either making a payment via the phone system for a {$10.00} fee or via a live person for a {$15.00} fee. I requested a waiver of the fee since I could not make a free payment through their website. The representative stated the fee could not be waived. I then asked to speak with a supervisor. I was transferred to a team lead, XXXX, who was able to take my payment and waive the fee. I believe that Freedom Mortgage is deceptive in its practices by attempting to charge customers a fee for a payments when the option to make a free payment is not available due to the actions of Freedom Mortgage, not by any action by the consumer. In this instance, Freedom Mortgage has no incentive to correct the online system as they are able to obtain fee income from consumers that are unable to make online payments.
Bank of America insisted that I make large payments on my credit card during the Era of Bank Aggression which I did. After many payments over the time frame which Bofa set up they claimed that I owed a little more to them as they had miscalculated the payment amount. That amount they turned over to apparently one of their collectors. I agreed to pay the remaining amount. The agency said that after I made all the payments required that I owed, so I agreed to pay which was about {$200.00}. The bank accepted the payment, but they said it did not matter that Bofa had been paid {$30000.00} from me, I was over thirty days late and had not been given an additional bill as I had paid five years and they had gotten all their money. No, Bofa had made an addition error and I NEEDED to pay the remainder which I did. The agency then said that I would be negatively impacted on my credit score for seven years regardless of the mistake of Bofa. I have proof that I tried to correct the error in XXXX. It is still on my report. They have been paid in full, but took to a punitive route after they got XXXX. 
I could not get loans are refi my home or get a car. They still will not remove the negatives.
PennyMac Loan Services LLC incorrectly calculated my mortgage payment last year to not include property tax. When they recalculated for this year they realized their error and added on my property tax bill from last year and the one for this year, causing my payment to almost double. I called them and they agreed I was diligent about sending them my tax bill as soon as I received it and paying my bill on time. The best they could do was disperse the old tax bill across payments but this still has caused my mortgage payment to increase almost {$300.00} more a month than last year 's monthly payments. They sent me a letter saying they would look into making this payment smaller yet but that they needed to talk to me in person and told me to call a woman name XXXX XXXX, Priority Complaint Specialist. I have called and left a message on this woman 's machine 4 times. I have never been able to get a hold of her. She has only attempted to call me one time at the beginning of XXXX and it was during my work day. I have since called her back, during work hours, 4 more times and left messages with my name, loan number, complaint number, and telephone. She has yet to return any of these. This has been left unresolved for so long that I 've had to make the almost {$300.00} more a month higher payment which has obviously been a tremendous burden on my budget. This company has messed up my loan, literally the biggest investment in my life, that I have very little confidence in their ability to remedy this problem and in their ability to not create another issue.
I purchase XXXX variable load prepaid VISA gift cards ( issued by US Bank ) from XXXX grocery store, with {$500.00} loaded on each. Before I even had a chance to use any of the prepaid {$500.00} gift cards, I discovered that small charges to The Gap had been run on all XXXX cards, and that XXXX cards had the remaining balance charged at XXXX. Upon logging on to the www.mygifcardsite.com to see each card 's transaction history, I discovered that all XXXX gift cards were already registered to some other person and that charges had been run on all XXXX cards. I called the phone number on the back of the card and reported this fraudulent behavior. The Cust Svc Rep indicated that since charges had already been run on the cards, they could block the cards and that I would have to FAX information - including name, address, contact phone number, card nr, CCV nr, Exp date, and copies of the cards, front and back, along with the purchase and activation receipts to the Lost/Stolen Replacement card FAX number and also to the DISPUTES FAX number. The Cust Svc Rep indicated that since charges had been run US Bank could not just simply replace the card with the {$500.00} purchase balances until there is Dispute Resolution for the fraudulent charges - which can take up to 60-90 days. I believe this is quite a long time to wait for replacement cards with the full {$500.00} each value after I was victimized for fraud. The Cust Svc Rep indicated that they get many calls like this - so it appears that the bank is aware of this type of fraudulent activity with their variable load VISA gift cards.
Experian has reported an inaccurate account from XXXX on my file that does not belong to me and should be removed. The original creditor is XXXX and reporting on my report as XXXX.
Private loans with Navient ( " Signature Loans '' ) were discharged in bankruptcy. Navient reported accounts 'closed ' on my credit report with XXXX   balance due. 

Discharge dated XX/XX/XXXX / XXXX  district Illinois. 

They later claim that the loan are now in repayment. 

I feel compelled to not make payments for loans that show as closed and XXXX balance on my credit report. 

These need to be confirmed as discharged with Navient 's system.
I closed my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) in XX/XX/XXXX on good terms after years of service and paying bills on time. In XX/XX/XXXX after moving out of state, I started receiving calls from debt collectors about an outstanding balance ( ~XXXX $ ). After arguing with the debt collectors I waited on hold for a good while to speak with XXXX. For a while they convinced me my identify was stolen and I began pursing that. After a few hours I realized it was n't that bad and they just never closed my account and continued billing me. I called XXXX and waited on hold again to speak with someone who had the recording of the call where my wife closed the account on good terms. They needed to take time to review this 2 minute call and called me back some time later and said that I had XXXX balance and they would resolve this issue with the debt collectors ( this was XX/XX/XXXX ). Today, ( XX/XX/XXXX ) I received another call from debt collectors about the same debt that I supposedly had resolved with half a days effort. I called XXXX again and now they claim I have a ~XXXX $ balance and will not contact the collection agency regarding the erroneous XXXX $ until I pay this XXXX. I do n't trust that this XXXX $ is real debt as my XX/XX/XXXX call said that the matter was resolved. I do n't not think they should be able to leverage XXXX $ of erroneous debt to collect XXXX , real debt or otherwise. I explained to The CBE Group IncXXXX over the phone several times that this debt was not legitimate and they needed to re-verify the debt with XXXX XXXX. As far as I can tell they are legally required to do so, but have not. They continue pursuing collection of this erroneous debt.
THIS IS IN RESPONSE TO CFPB XXXX AND XXXX ACCORDING TO YOUR RESPONSE YOU FEEL YOU'VE DONE A PROPER INVESTIGATION BY SENDING ME THREE BILLS. CLEARLY THE DEFINITION FOR VERIFICATION MEANS, BUT IS NOT LIMITED TO, Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. IM NOT SURE IF YOUR COMPANY UNDERSTANDS WHAT IVE ASKED FOR SO LET ME BREAK DOWN IN SIMPLER TERMS BEFORE YOU IGNORE MY PRESENSE IN THIS SITUATION AND MARK MY COMPLAINT AS A DUPLICATE AFTER YOUVE CLOSED WITH UNLAWFUL RESPONSE. PLEASE PROVIDE TO ME AND MY LAWYER THE FOLLOWING : 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8.  Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR XXXX balance sheet ( OMB # s XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
I purchased merchandise which ended up being not as described at time of purchase. By the time I realized the merchant had explicitly misrepresented their product it was too late to return said product. The particular misrepresentation makes it impossible for me to sell said merchandise. 

I gave an accurate description of the sellers misrepresentation/fraud to discover, and provided evidence. However, Discover failed to protect me from the merchant 's fraud/misrepresentation. 

I purchased a phone from XXXX which I was explicitly told by a XXXX representative was factory unlocked. This was a blatant like on part of XXXX. The phone is riddled with spyware implanted by XXXX which I can not disable. There are major security flaws I can not remedy due to XXXX 's fraud, deceit, and blatant misrepresentation. 

XXXX provided no evidence to refute my claims. The evidence they provided simply shows I received the phone, which was never an issue in the first place. I've never claimed I did not order, or did receive, the phone. Discover ignored this entirely and adjudicated my dispute erroneously.
USAA Bank located at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX place fales and negative information on all XXXX credit bureaus. I proved to them that I was a victim of identify theft with copies of the IRS, FBI and Police report that some unauthorized person used my credit card without my permission. I paid what was mine portion and received a letter from their collection agency XXXX which states. This Account has been settled in full ''. They still refuse to comply with FCRA rules and ignore all communication. this is destroying my pesonal credit and I need your help.
Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..
Over 6 months ago I got the Paypal 2 % cash back card.

At this point I have made payments of {$4300.00} and should have a minimum of {$86.00} in cash back available to redeem. The Banks website states that I have {$4.00}. Thisis not correct.
CRA is in violation of FCRA, FDCPA and XXXX XXXX compliance..
XXXX breach caused inaccurate information on my credit report sent po report XXXX violation of my cra right remove the inaccurate information