WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar is in violation of CA Homeowner Bill of Rights anti dual tracking policy by continuing with a foreclosure proceeding when borrower is seeking an alternative to foreclosure. A short sale request was submitted on XXXX/XXXX/16 and Nationstar set a foreclosure sale date for XXXX/XXXX/16. Furthermore Nationstar has stated they will move forward with the foreclosure which is a clear violation of CA Homeowner Bill of Rights which explicitly states lenders and servicers " CAN NOT CONTINUE WITH THE FORECLOSURE PROCESS ONCE A FORECLOSURE ALTERNATIVE PROGRAM HAS BEEN SUBMITTED ''. There is nothing in the CAHBOR which limits dual tracking to only modifications nor is there anything in CAHBOR which states a short sale must be approved to avoid dual tracking. This is a fallacy concocted by Nationstar which is not accceptable nor is it legal.
Transunion continues to report 1 inaccurate late pay of my student loan account on my credit file that stats 90-120 days late. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. 464 of the HEA ( Higher Education ACT ) states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at one another and I need this to be deleted immediately or i will be forced to take Transunion to small claims court for unspecified damages because they are inaccurately reporting on my credit report.
I received notification that a Debt for the amount of : {$140.00} on XXXX XXXX, 2016 was place don my XXXX Credit Report and am not sure if there are others from this company. They have not provided any pre-collection attempts or notified me via postal mail, or a phone call. They have the wrong person. Ruining my credit. Needs to be removed ASAP! and A LETTER TO ANY CRA 'S REPORTED TO, TO have it removed. 

I need this removed ASAP! 

Alert Date XXXX/XXXX/2016 Source XXXX Company STELLAR RECOVERY INC Payment Status Collections Status Date XXXX/XXXX/2016 Balance {$140.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MT XXXX Thank you
This account was sold to collection agency against Hipaa violation. Account was sold for {$6000.00} and got a call about trying to be sued. I have not signed or received any paperwork from company. Synchrony Bank and XXXX XXXX have went against the Hipaa law. Now I get a letter about wage garnishment but yet to receive proper paperwork. This is unethical of this company to sue without summoning myself with proper documentation.
The Chapter XXXX Bankruptcy with the record number XXXX is not my account, I have disputed this and it still remains on all three bureaus of my credit report. I have disputed this bankruptcy multiple times, and have even received letters from the bankruptcy court that I've attached that confirms they can't prove my bankruptcy, but they still remain.
Alliance one has been harassing me with phone calls and letters after I asked them to stop. I do not owe any medical bills and never have been to a medical center in XXXX. They keep telling me that I can be sued for these two accounts that are ruining my credit and that they will go after my wages. Who are these people? I am appalled that they are acting this way over medical debts that patients owe, not myself. This is so heart breaking because there is no humanity left. I will counter sue them in fact if these accounts are not deleted from my credit reports immediately! I work in health care and I am very familiar with the CFPB, FDCPA and HIPPA laws. This company is carelessly violated nearly all laws that protect people. I have denied and spited these accounts to no avail and have not received notices of disputes, validations or any important information. I will not accept any more communications with this company and I hereby resist all forms of contact. I will have proof of your unlawful behavior after this dispute and I will gladly return to this forum and continue to file for as long as I need to until I deem it fit to actually SUE YOU!
When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, Trans union did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.
Kohl 's credit card call me repeatedly everyday. XXXX times on thus far XXXX seperate occasions : XX/XX/2015 at 8XXXX, XXXX, XXXX, and XXXX ( cst ) XX/XX/2015 at XXXX, XXXX XXXX XXXX, XXXX ( cst ) and then on XX/XX/2015 at XXXX, XXXX, XXXX, XXXX, and XXXX ( cst )
XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references
I had a loan with RISE. I became delinquent on this loan. At the exact 60 day mark, RISE made the decision to charge off the entire account. 

On XX/XX/1999, the FRB, FDIC, and OCC issued the Uniform Retail Credit Classification and Account Management Policy, which established a charge-off policy for open-end credit at 180 days and closed-end credit at 120 days delinquency. 

I contacted them both before and after the loan was charged off and offered to pay off my loan balance, but also requested that they remove the charge off, as nowhere in my contract or their company terms and conditions did it state that they would not follow the federal guidelines. They replied that they have a " 60 day policy. '' When I called and spoke to an agent, the agent indicated that he could find no documentation stating this " 60 day '' policy, nor had I signed any documents agreeing to those terms. 

Upon speaking with an attorney, I was informed that the law outlining bad debt as well as the presumption of uncollectibility states that after reasonable and customary attempts to collect a bill, AND the debt remains unpaid for more than 120 days, THEN the debt may be deemed uncollectible and charged off. 

I offered to pay off my debt ( either a settled amount or original full amount ) in both email and over the phone, and yet despite my emails and calls, RISE decided to sell off the debt to a debt collector, thus adding insult and injury to an already unjust situation. They were uncooperative, unhelpful, and if their decision to sell off my account during the middle of our dispute is any indication, they're vindictive too. What reasonable creditor doesn't want to be repaid their money and would choose to sell it off instead?
Transworld Systems has placed a collection on my report in the amount of {$300.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. This is the THIRD time they have done this and I am taking legal action. I do not have any knowledge of this alleged debt nor have I ever received services from Transworld Systems. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
I was making a purchase at the XXXX XXXX location in XXXX, VT, XXXX. A cashier named XXXX told me I was signing up for a rewards program and that my ssn was needed for " security reasons. '' About half an hour after leaving the store, I realized that I hadn't had my guard up, and had been scammed into signing up for a credit card, that I might not ever receive, and that, despite the appearance that I had paid for my purchase up front ( i had swiped my debit card to make the purchase ), in fact, I had been scammed into assuming debt for my purchase, that I would likely never be prompted to pay until I would hear from bill collectors and see it on my credit report. If this isn't illegal it should be, and regardless, all consumers should be aware of this shameful practice.
As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.
My husband passed away on  XX/XX/XXXX , I went to Bank of America  2 w eeks later and gave them his  Death Certificate.  BOA immediately shut down his online banking and closed his BOA credit card. They told me nothing else could come in or out of his credit card. As stated when I got home on the online banking was longer available. Two days later  XXXX  was taken out of our joint account for the cc. Spent ov er 3 hou rs on the phone, it took several weeks until they resolved the issue and then put the money back into the account. This happened again i n  XX/XX/XXXX ,  XX/XX/XXXX , and now again in  XX/XX/XXXX .  Everytime they tell me they have resolved the issue and that it would not happen again. Today I spent and hour and 41 minutes on hold and talking with no results, but with a promise of a call with in 72 bu siness hours. They have said this before, but I always end up calling back and going through the whole routine again. Last time I threatened to call CFPB and the money was in my account  XXXX  in 12 h ours. That did not work this time. None of the other  XXXX  accounts were paid out of my his online banking except for BOA. Very strange?
previously, I 've have been trying to make arrangement in paying navient they put my loans in forbearance, after that I would make arrangements to make payments of XXXX for a certain amount of months. I gave them my credit card to take the payments. they would take 1 or 2 payments, Navient would send me paper work to fill out. I would send them the paper work, navient would tell me that I did n't qualify for the payment plans, or they did n't receive the paperwork in time! Navient would not continue to take the payments Navient would tell me to call them back when I have the money to make arrangements for payments. I did n't know what kind of arrangements they were talking about because they would tell me to pay for that payment. then they stopped taking payments. One time I went through the whole months they told me and still. I 'm here trying to solve. to make arrangements for payments.
I received services from this company in XXXX for an extraction. I was never made aware of a bill that I had with them. My phone number or address has not changed since my visit. Today I receive an alert that they have placed a derogatory mark on my credit file. I contacted them immediately and did not get anywhere. Since XXXX I have filed bankruptcy in addition to having it discharged in XXXX XXXX. This debt should not be reflecting on my credit report. Such horrible service and business practices.
On XX/XX/XXXX, with no prior notice given, I received word that my credit card account of several years had been closed, " for fraud. '' I immediately contacted Wells Fargo customer service via telephone to inform them that there had been a mistake, there was no fraud on the account. I had the card, the account had XXXX balance, and there had been no unusual activity. I escalated the concern to Wells Fargo 's executive office because closing this account would wipe out half of my available credit and negatively impact my credit score. I spoke to a representative on a recorded line who informed me that I was correct, the account had maintained a XXXX balance with no signs of visible fraud, that it was likely a mistake on Wells Fargo 's part, that the account would likely be able to be reopened, and that I would receive a call back the next business day. On XX/XX/XXXX, I received a call back from XXXX XXXX at the executive office stating the account could not be re-opened, due to " risk ''. At first XXXX XXXX refused to provide me a reason as to why the account had been flagged for " risk '', but after I requested several more times, he admitted that Wells Fargo had failed to process an old lost card request ON THEIR END, and because of Wells Fargo 's own failure to process the request, the account was inadvertently flagged as " risk '' and subject to being closed. Despite then admitting on the recorded line that this was not my fault and had nothing to do with me ( other than via a notice they supposedly sent me which I never received ), XXXX XXXX continued to state that the account would not be re-opened, that I would indeed suffer the negative impacts to my credit score, that I should file a complaint with the CFPB, and that I would have to subpoena them for any further information. This is absolutely the worst experience I have ever had with any financial institution, and has directly damaged my credit score, via no fault of my own, a fact Wells Fargo admits but refuses to remedy. Moreover, they wo n't even provide me with the additional information I have requested about my complaint, stating instead I must subpoena them for it. If this situation does n't constitute a whole series of unfair, deceptive, and abusive acts and practices on behalf of Wells Fargo against an innocent consumer ( me ) I do n't know what does.
I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.
XXXX XXXX was given a request to close XXXX/XXXX account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now
XXXX XXXX- XXXX {$270.00} Jefferson Capital Systems- XXXX XXXX {$620.00} XXXX. Preserve at XXXX XXXX {$5100.00} Those Account does not belong to me has to be removed from my. XXXX CREDIT REPORT. Someone used my identity
On X/XX/17 at XXXX XXXX I contacted IC System for a debt they had in my name for XXXX XXXX XXXX in the amount of XXXX. The Rep gave me the amiunt and I asked what kind of deal wee could make t pay it. He said he was authorized to reduce it to 75 % of the debt resulting in XXXX. I agreed and gave him a check by phone. He told me I would be receiving a letter paying the debt off and they would report it as paid that weekend. The check cleared my bank on XX/XX/17 for the amount of XXXX on XX/XX/17 instead of the pay off letter I was expecting to receive in the mail I received a new bill for the amount he reduced my bill for. Under our agreement I paid this debt off and no longer owe them anything. I have tried contacting the company and I have now disputed the debt with the credit burues. IC System has broken our agreement of the debt being paid off and is reporting it as a negative account on my credit.
This notice is being sent to you pursuant to a Consent Order issued by the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2015 in the matter entitled In the Matter of XXXX XXXX XXXX , XXXX. also doing business as XXXX and Universal Acceptance Corporation, CFPB File No. : XXXX. 
This notice is sent by Universal Acceptance Corporation, because Universal Acceptance Corporation has furnished inaccurate information about some of its customers to the nationwide consumer reporting agencies XXXX, XXXX and XXXX. The inaccuracies may have adversely affected your credit. 
Consumers have a right, under the Fair Credit Reporting Act to receive one free credit report from each of the nationwide consumer reporting agencies during any 12-month period. 
If you have not already obtained your free annual report, you may do so by visiting XXXX or by calling XXXX. 
Whether or not you have already obtained a free credit report from one or more of the nationwide consumer reporting agencies during the last 12-months, you may obtain an additional report from XXXX at no charge to you for 180 days following your receipt of this Notice by calling XXXX. Go to XXXX for any additional information. 
If, in reviewing your credit report, you identify information that you believe to be inaccurate, you may dispute that information as follows : Direct Disputes : You may submit a notice of dispute directly to Universal Acceptance Corporation of the information you are disputing by calling Universal Acceptance Corporation at XXXX or at one of the following addresses : 1. The Universal Acceptance Corporation address specified in your credit repor 2. UAC, XXXX XXXX XXXX, XXXX, MN XXXX, or
* Wells Fargo Provided a Misleading Initial Loan Estimate and Made Last-minute Changes to Loan Estimate : The original loan estimate I received did not include {$2000.00} in escrow prepayment that showed up in a later Loan Estimate. When compared to mortgage offers from other lenders, this made the Wells Fargo loan look much better and led me to withdraw my applications with other lenders. When I received a new Loan Estimate following the appraisal, the additional charge was shown and the charges for discount points were doubled. I informed the Mortgage Consultant of the additional charges and he repeatedly assured me ( via email and phone ) that this was an error and would be corrected. After two weeks requesting status updates on the Loan Estimate and being reassured it would be fixed, the Mortgage Consultant informed me the charges were accurate. This increased our closing costs by {$2800.00}, three business days before our closing date and the same day Wells Fargo was supposed to send the closing documents to the title company. This left no time for us to discuss or negotiate the charge with Wells Fargo, to renegotiate terms with the seller, or to appropriately prepare our finances. 

* The Wells Fargo Rate Lock Was Not Honored : I received a new rate lock following the appraisal a few weeks before closing. The Wells Fargo Mortgage Consultant repeatedly assured me that the discount points would be consistent with the Rate Lock, until three business days before closing when he informed me the charges would be double. The Rate Lock and the Mortgage Consultant 's statements were not honored. 

* The Wells Fargo Mortgage Consultant Made False and Misleading Statements : In regards to the above actions by Wells Fargo, specific statements made by the Mortgage Consultant proved to be false or misleading. The following statements were made via email in response to my requests for information about the updated Loan Estimate. These statements and others made during phone conversation led me to believe the Loan Estimate was not accurate and would be updated : - " The exception in pricing you received kicked out evidently. I will get it approved again and corrected. '' - " I will get him to put the request in the system Monday morning. I would do it be we are not allowed to. I know that it will get approved without any issues. ''
I submitted a compliant through the CFPB to Navy Federal credit union back in XX/XX/XXXX.Navy Federal credit union indicated that they are still working on my case. I was a victim of Forgery of 2nd degree violation title 11 section 861 of Delaware code of XXXX and theft of more than 50,000 in violations of title 11 section 841 of the Delaware code of XXXX. The Delaware State Attorney General office convicted XXXX XXXX XXXX defendent of the charges listed above in XX/XX/XXXX. And I am still being held liable for a loan that I never authorized to be established in my name. Case name and number for your references are as follows : State of Delaware Vs XXXX XXXX Id. XXXX.
some time around mid 2017 I went in to XXXXXXXX XXXX XXXX XXXX XXXX to purchase an item. At this time I signed up for what was presented as a 0 % apr credit card. I signed digitally for the card. I went back some time after and wanted to add an additonal purchase on the 0 % apr card. 

After several months of making timely payments i started receiving collection calls. I found a second fraudulent account was created rather than putting the purchase on the original account. After looking closer into the staments I also found rather than being 0 % interstet rate they had signed me up for an extremely high APR card. 

When i went in i was told they sold the account to the company below and could not do anything. They said i should have put down {$1000.00} in order to receive to 0 % which was not diclosed to me. 

XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX When i called XXXX  they said all they could do is settle the account in full. This has damaged my credit and has made it so I can not afford to pay it off.
I never got a letter in the mail saying i owed this debt. I did write them a letter and they never responded back.
After applying for a loan to purchase a new car, I received an interest rate 3x 's higher than indicative rates for a used automobile purchase for my creditworthiness.