WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage LLC. ( " Nationstar '' ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " XXXX '' ), and XXXX XXXX XXXX, XXXX XXXX, as Trustee for the Certificate Holders of the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates, Series XXXX ( " XXXX '' ) are all governed by FDCPA pursuant to 15 USC 1692a ( 4 ). The County Public Records is a third party. Nationstar, XXXX and XXXX never obtained our permission to file " our '' non-public information into the County Recorder 's office. The Notice of Trustee 's Sale document filed for an illegal seizure of our home is a violation pursuant to 15 USC 1692c ( b ). Also, Nationstar, XXXX and XXXX are prohibited from abusing and harassing us pursuant to 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692i, and 15 USC 1692j. Trustees who regularly foreclose on California deeds of trust in non-judicial actions are debt collectors subject to the entire FDCPA. ( CFPB XXXX XXXX - XXXX XXXX vs ReconTrust )
I went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I am a victim of identity theft and someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.
I am writing in reference to a released tax lien that is reporting on my Equifax credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filled numerous investigations in efforts to having this public record removed both by phone and by letter. Most recently XXXX and it came back " Verified as Accurate ''. This same released tax lien was removed from XXXX and XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear on credit file. Equifax has not updated their information and per the new law the Released Tax Lien listed does not include all the required information and should be deleted from my credit report.
Credit Report suddenly shows 10 student loan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
AWA COLLECTIONS KEEPS CONTACTING ME. THIS WAS A REPO DONE BACK IN XX/XX/XXXX/XX/XX/XXXX. CAR WAS SOLD AT AN AUCTION AND SOLD TO ANOTHER DEBT COMPANY. NO LONG AFFILIATED WITH THIS DEBT.
XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in XXXX.
I already claimed I did not know what this debt is for and also said that my insurance covers XXXX percent of everything. If the company is refusing to disclose any information about this debt then I will not pay and my lawyer will be contacted. Saying that the account was verified by you does not mean anything to me. Show me proof or drop this issue or I will see you in court. It is as simple as that.
I had an account with bank of america. Unfortunately my spouse has left me and I am not employed. I am currently on public assistance ( food stamps ). I spoke with a rep awhile ago at bank of america to see if I can claim a hardship. I was told I would be sent paperwork to fill out to prove my financial hardship. I never received any paperwork. I also had requested that they stop reporting 1 's and L 's on my credit reports as this is hurting my credit very negatively. This account has been charged off to a bad debt unfortunately. I have tried soon after the abandoment to do in good faith pay my card but under the circumstances I was not able to do so. I recently spoke with a bank of america rep who had called me and they were asking to me settle on 1/2 the debt. I 'm lucky if I have {$5.00} to my name. I had agreed to pay {$30.00} for 3 months in hopes that my sibling would help me and give me the money. Unfortunately he is unable to do so he ca n't supply me with anymore funds. I am in a very hard place right now and I have tried everything in good faith to not have this happen. I am requesting that bank of america please keep to what I was told and stop reporting the L 's and 1 's on my credit reports each month. I am submitting this complaint about bank of america because they promised me being the account was written off to a bad debt that the reporting each month to the credit berous would stop. To this day they are still reporting.
I obtained an XXXX XXXX XXXX through Fidelity Investments, and neither is taking responsibility for the gross negligence which allowed fraud to go undetected. Responsibility is being shifted over to Bank of America, a new vendor, and Fidelity has distanced itself from the product so that I can not even log on the account through their website portal. The balance remains on my credit report with major damage to my credit rating. The company address I am being given is FIA Card Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX But Bank of America sent a no-reply email indicating that they are located in XXXXXXXX. The contents of the email suggest that collections will proceeed, even though this has been entered into dispute. XXXX was shocked they were not doing basic fraud detection that would be standard, but they have told me to deal directly with Fidelity who is dumping me off onto an unwanted relationship with Bank of America with a balance and ruined credit rating. 

I hope everyone reads this because Fidelity Investments was who I entered an agreement with, based on their company reputation, in addition to having respect for the XXXX XXXX logo. But that 's not who I am dealing with, and the damage is substantial.
This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.
I had a mortgage with XXXX that originated in 2009. Earlier this year, XX/XX/XXXX, I understand my loan was sold to LoanCare ( a XXXX XXXX XXXX ). When I got notice of this change, I started paying LoanCare per their instructions. I have continued to make my monthly payments to LoanCare, but I have been receiving notice from LoanCare that they have not received my payment and that my mortgage has gone into default. This should be not the case because I have been paying my mortgage and the checks have been clearing my account. I have contacted customer services numerous times but have had no success in resolving the issue. I would like assistance in working with LoanCare to update my account to reflect the fact that I am not in default.
Please. Please please. Someone has to look into the Military Star card process of collecting a debt. They raise interest in debt so high you can not pay it off. They take your taxes, but fail to send you letters stating how much they took and what the new balance is. They keep taking your taxes each year and there is no end in sight. Please. They are hurting military lives so much. I can not believe the government hasnt stepped in to look at their debt collection practices. It cant be legal.
On XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX stating that I owed a debt for XXXX. I mailed them a letter via certified mail on XXXX XXXX, 2015 for a request for Validation of Account. As of XXXX XXXX, 2015 I have not received a response for validation. 

Stellar Recovery called me on XXXX XXXX 2015, in an attempt to collect debt concerning XXXX XXXX. I verbally requested that they contact me through writing in the mail. To this date I have not receive any correspondence from Stellar Recovery, yesterday I received an alert from my credit monitoring and Stellar Recovery has placed a flatulent account on my credit report without sending me ANY notification prior to placing this alleged collection on my credit report. XXXX company stating that I owe for the alledged same account with different amounts owed, without sending me any validation of account that was requested has violated my rights by not sending me any written notice as requested and required under FCRA and FDCA.
Requested basic information from XXXX XXXX XXXX Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. XXXX XXXX ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. XXXX  XXXX parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of Transunion. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.
Please see case number XXXX. I continue to get calls. I called and asked to speak to a supervisor and he said he could not help me unless I gave him my SSN.
XXXX XXXX, XXXX Experian To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX XXXX XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. Convergent Outsourcing XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. DEPT OF ED/XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is one of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. DEPT OF ED/XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the one appear on my id docs XXXX XXXX Perform an investigation about this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX
This is a counter response to Credit Acceptance Corp made onXX/XX/XXXX Complaint ID XXXX  1 ) Credit Acceptance was aware of issues with car based on XX/XX/XXXX email from dealer, XX/XX/XXXX and XX/XX/XXXX diagnostic done by XXXX and finally a denial from warranty company.

2 ) Failed to disclose car was for rental use while discussing XXXX XXXX  ran XXXX but left detail of rental use history. Is why I believe possible salvaged title.

3 ) Refused to acknowledge car sold way above market value and why only bank that would approve such a price. Terms were can only use Credit Acceptance with that dealer.

4 ) Dearler owned dates, sold to me dates and prior history owners not reflective on Title.

XXXX XXXX ran not provided only verbal.

All of XX/XX/XXXX my complaint was ignored despite several emails requesting complaint status. Only thing told was they are trying to get dealer to pay for repair cost. Was asked to provide car Diagnostics only a few days ago not giving me time to send. Instead stating I wouldn't send them. They are aware that I only have a few hours between work and that I would provide. Again only asked 4 days ago gave me 4 business days to send on an investigation that began XX/XX/XXXX.

Credit Acceptance is falsely putting words in my mouth omitting an email onXX/XX/XXXX to dealer and dealers response ( They have had since XX/XX/XXXX ) which clearly shows I had no knowledge of issues with car other than what was described by dealer as wind roof rack noise.. wasn't until after sale and driving on the highway was it apparent something is seriously wrong.

And it was!! Wheel Bearings. Wheel bearing noises are mostly heard when driving car at high speeds not the 35 MPH test drive speed.

Email from dealer, XXXX   Diagnostics all sent via email to Credit Acceptance Corp and despite all of that wants to blame me.

Credit Acceptance Corp also attempted to convince me that a wheel Hub bearing and Hub Assembly is Normal wear and tear??? Should last the life of the car per XXXX. Is another reason I strongly feel their is more history to car not being disclosed and possibly salvaged.

Warranty controled solely by Credit Acceptance and I have no rights to a denial, appeal or even cancelation of such a bogus warranty.

I filed directly with FTC requesting to pick up complaint.

All knew they sold me an Unsafe, overpriced vehicle with a interest rate not allowed in Michigan?????? Or Is it Florida???

Company has implied they are investigating in actuality they are only passing the buck.

Attached Diagnostic of wheel Bearing failure XX/XX/XXXX from XXXX with Mileage well below the 1513 miles Credit Acceptance stated I drove before discovering.

Clearly was discovered the evening of sale and on XX/XX/XXXX.

Attached is the additional diagnostic done on XX/XX/XXXX, email to and from dealer, copy of warranty contract with no pre exsisting clause implied, picture of car still for sale by dealer on carguns website and that was way above value,
I have a 7 day grace period ; however I receive non stop calls on cell/home/work numbers from XXXX the day payment is due until I pay. Where is the grace period? 

I am left messages stating it 's in my best interest to contact them ASAP. Company name Green Tree XXXX. XXXX from Green Tree XXXX and XXXX as well as several other numbers she has called from.
I was approved for a hardest hit program in ga Georgia underwater homes my award is XXXX this check was sent to ditech financial in XX/XX/XXXX to be apllied to my principal, it was applied, I am continuing to send in my regular monthly payments which are not being applied and going into a suspense account. their explanation is that the system is not updating due to the large amt from the program, my check from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX has not been applied, even though it shows on my statement that I am not late I am getting collection letters and notices on my front door from them. when I call they say ignore the notices.no one calls me, I am calling every other day for the last month when the collection letters start coming. I am afraid with these people not knowing how to handle these programs that they have accepted and now not knowing how to process my payments I am going to go into foreclosure even though they are saying no I want. does their collection people know this, they cant even transfer you to them or they explain what is going on and not to harass the customer. this is another night mare from XXXX, I am an over age senior and think they may try and take advantage. if someone would communicate I would feel a little better. we are resolving the problem does not help me.. the amunt for the 3 months is XXXX now, they are saying just continue to send your regular amt of XXXX please help me find out why my checks are not posted to the acct and going in to suspense.
This is a recurring incident that occurred in 2013. XXXX XXXX credit card ( XXXX XXXX ) did not refund the charges made by XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. {$2500.00} were charged to my XXXX XXXX Credit Card ; however, XXXX XXXX never performed any service for the toothes he charged. XXXX XXXX, only work on a different XXXX and charged my XXXX insurance XXXX XXXX ( XXXX insurance ). I have this XXXX and health insurance thanks to my Domestic Partner XXXX XXXX who works in XXXX XXXX XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} made on my XXXX XXXX Credit Card. I am still disputing the charges since 2013. Every time, I explained the situation to the collection company, XXXX XXXX hire and changes Collection Company to insist in charging the XXXX dollars. I find very unjustifiable and unfair to pay for this charges that was wrongfully charged, but if needed to clear out my credit, I would pay those unfair charges to clear out this problem. Now, i had received another collection letter, and constant telephone calls trying to collect the charges. XXXX XXXX hire different collections companies, and when I explained, write a dispute letter, XXXX XXXX hire another Collection Company to start over the process and harassing with calls and voice messages. In my file to Credit Financial Bureau, you can see many letter written by me to complaint about this situation that has n't been addressed since 2013. XXXX XXXX has written letters with many mislead information which are very far from what actually happened. I am in a XXXX whom can confirm my statement XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone : ( XXXX ) XXXX. XXXX XXXX XXXX have performed XXXX, and he can state that XXXX XXXX never did or performed anything in the area he charged without doing any service nor replacing any XXXX.
Many weeks ago, an individual named XXXX from Ford Motor Credit called about another individual 's account and did n't say why she was calling. I told her it 's probably illegal for her to be calling me and told her not to call again. She called me again minutes ago. I 'm pretty sure that 's harassment.