WillisBack/dataset-financial-user-claim huggingface dataset:
A COMPLETE modification package was sent in on   XXXX   XXXX  -2017. Please see attached email/Proof. Nationstar confirmed they had the modification package.
On  XXXX - XXXX -2017 Nationstar stated they would NOT review the file as the sale date Of  XX/XX/XXXX  was too close and 37 days was needed for them to review the file.
The sale date was postponed until   XXXX   XXXX   2017 by Nationstar, yet Nationstar refused to review the documents that were initially sent in on  XXXX - XXXX -2017. We spoke to a Nationstar regarding this issue and they refused to do anything!!! It is very apparent that Nationstar is discriminating against   XXXX   XXXX   based on his race, ethnicity, language, national original. There is not tangible reason why the review process was NOT started back in   XXXX    when Nationstar first got the file. Our office has been disconnected on several occasions by Nationstar employees. The poor communication from Nationstar clearly indicates they simply does not want to review the file for a possible work-out solution. By unreasonably and unnecessarily delaying the modification request,   XXXX   XXXX   continues to get farther and farther behind on the mortgage payments. Nationstar denied the workout request based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution to save the home.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation in a meaningful modification review of Homeowners file indicates a preference to profit directly from his hardships.
At this time, we are demanding the sale date be postponed to continue the review or   XXXX   XXXX   will assert his legal right in district court naming  XXXX  as a defendant.
Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.
At the end of XXXX and beginning of XXXX I was victim to someone fraudulently using my credit card on my XXXX account. There were XXXX transactions : XXXX for {$470.00}, XXXX for {$480.00} and XXXX for {$510.00}. These were all associated with XXXX however I have never put this account into my XXXX. I did not make any of these purchases nor have I received any good for these purchases. These vendors are unknown to me and I do not know what they are for. I submitted the paperwork for my dispute on XXXX/XXXX/2015 after reviewing my statement and noticing these fraudulent transactions. I had received a credit on XXXX/XXXX/2015 but on Friday XXXX/XXXX/2015 it was reversed. I received no communications or explanations for this reversal and no one in the customer service line has been able to help me. I have set alerts on my account to email me of any suspicious activity and have cancelled my debit card since I seldom use it anyway. 
on XXXX i received a call back from chase XXXX was advised that they could not help me further and they received enough evidence. If i had any further question to contact XXXX. 
I was given the following XXXX transactions to research. XXXX, XXXX, and XXXX speaking with XXXX I found out the following. 
1. These transactions were not made on my account, my account is XXXXXXXXXXXX and has been open for several years, the transaction were made on an account XXXXXXXXXXXX which was created on XXXX/XXXX/15 the day before the first fraudulent transaction. 
2. The transaction have no associated tracking numbers of any products that have been shipped. 
3. The fraudulent user id noted above of XXXXXXXXXXXX has been suspended for fraudulent activity4. XXXX says they recognize as fraudulent and as such have sent the money back to chase. 
I am left puzzled at this point if XXXX says that the transactions are fraudulent, and the money has been sent back to chase. Why then have the transaction not been reversed on my account.
I HAVE DISPUTED THIS ISSUE WITH EQUIFAX BEFORE AND THEY STILL LIST THIS INVALID ACCOUNT ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS IMMEDIATELY.
THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XXXX 2017
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to TSF about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to TFS letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to TSF I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite TFS saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check TFS says I still owe money.
I had a vehicle financed with   XXXX   XXXX   XXXX    XXXX . At  one  point my loan was issued to a particular   XXXX   XXXX   account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President. Not hing was resolved. Towards the end of   XX/XX/XXXX ,   XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account  manager  put the car up for repression in   XX/XX/XXXX .  As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in   XX/XX/XXXX .   The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   XXXX  of the  President and other agenc ies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - XXXX XXXX - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History 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
Equifax is, in my opinion, ruining my credit report on purpose. It is amazing to me how inept they are being about fixing their own mistakes. I have literally sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ridiculous statements trying to tell me that I am the one who is wrong! LIKE REALLY?! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history WITH THE BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.
I am currently waiting on approval on a home mortgage. Everything was looking great and the process was almost through until we came to a snag. My credit report had to be pulled up again and it currently shows that I have XXXX late payments in XXXX, XXXX and XXXX. However, I called and spoke with Ally Financial personally and they assured me that there was not a late payment for XXXX since the payment is not due until the XXXX. I am asking that you please retract not only the XXXX late payment that is showing up, but also the XXXX and XXXX as well. I have been a long time customer with Ally Financial and have never missed a payment. The reason for this recent delay in payment is because I have had to make improvements on the house for the inspection to pass and loan to go through XXXX new roof costing {$2700.00} XXXX .Please consider this request. Owning my XXXX home at age XXXX has been a dream of mine. I hope you can help me with this. In order for that to happen my credit score has to come up and this is the only way it can happy. Thank you in advance for your anticipated cooperation. 

Sincerely, XXXX XXXX
I recently spoke with a Trans Union customer service agent in regards to 5 hard inquiries that were added to my report without my authorization. Last time I check my report was on XX/XX/XXXXand they were not there.

He never provided me options to eliminate these inquiries.

He are the ones I need to be eliminated : 1- Inquiry- XXXX - from XX/XX/XXXX 2- Inquiry-XXXX XXXX XXXX - from XX/XX/XXXX 3- Inquiry-XXXX XXXX - fromXX/XX/XXXX4- Inquiry-XXXX XXXX - fromXX/XX/XXXX 5- Inquiry-XXXX- fromXX/XX/XXXX
Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money.
MONEY WAS DEBITED FROM MY DIRECT EXPRESS DEBIT CARD WITHOUT MY CONSENT!! THIS HAS BEEN HAPPENING WAY TO MANY TIMES!! MY SOCIAL SECURITY XXXX INSURANCE BENEFITS ARE PLACED ON MY DIRECT EXPRESS DEBIT CARD EVERY FIRST WEEK OF EVERY MONTH. WHAT 'S BEEN HAPPENING IS I HAVE BEEN FINDING OUT THAT THERE HAVE BEEN DEBITS OF MONEY TRANSACTIONS MADE WITHOUT MY CONSENT!!! AND THIS HAS CONTINUED AND CONTINUED EVEN AFTER DIRECT EXPRESS WOULD ISSUE ME A BRAND NEW DEBIT CARD ALONG WITH THE CFPB BEING WELL AWARE OF THIS BECAUSE I 'VE SUBMITTED SIMILAR COMPLAINTS REGARDING THIS SAME ISSUE YET IT CONTINUES TO OCCUR. I WANT THIS TO STOP NOW AND I WANT ALL MY MONEY RETURNED TO ME AND ON MY NEW DIRECT EXPRESS DEBIT CARD IMMEDIATELY!!!
My complaint pertains to a discrepancy between the Equifax score reported to me and the Equifax score reported to my mortgage lender. The lender received a score almost XXXX points lower than the one I got. The same credit concerns were identified on XXXX reports, and they were produced within days of XXXX another, so there was nothing to explain why the scores were different. The effect of this is that I do not qualify for the lowest mortgage rate on a house I am purchasing. On an Equifax blog I found a string of complaints from other customers who have encountered the same problem XXXX This tells me I am not alone, but is little solace because it only suggests that the problem is pervasive and ongoing. The crux of the problem is that the score I received from Equifax is essentially meaningless -- not a true guide to how prospective lenders will view my credit. I sent a complaint to Equifax and they provided an explanation -- that lenders in different industries may use different scoring models. This does not address my concern, but merely illustrates it : what Equifax tells me about my credit is not what they tell lenders. The fact that I had paid for access to the full report only rubs salt in the wound. I have requested a refund from Equifax of the {$7.00} that I paid on XXXX/XXXX/2016. My purpose here, however, is to raise a broader concern about the uselessness of credit scores received by consumers, at least from Equifax.
I attended XXXX University in XX/XX/XXXX and graduated XX/XX/XXXX. I was forced to take out 2 loans one federal loan and one private loan. The university insisted that I use Genesis Lending. However due to XXXX University 's fraudulent behavior they were found to of committed fraud. I received a discharge through the Borrowers Defense lawsuit and was reimbursed for the federal loan however I paid my Genesis loan off in full and now I can not get the company to return any calls and can not get any answers concerning getting my XXXX dollars back that I paid in full. How do I get my case in on the lawsuit against Genesis Lending. I was just terribly mislead by this company as well as the XXXX University.
A new debt popped up on my credit report listed for XXXX XXXX for XXXX XXXX for {$140.00}, an electric bill from the state of Michigan. It was listed as the debt collector being XXXX XXXX XXXX. I called XXXX on XXXX to get a copy of the original bill but it was from XXXX and they did n't have record of it once it was sold to XXXX XXXX in XXXX XXXX, I was told to contact them. I called XXXX XXXX on XXXX and was referred to XXXX XXXX XXXX at ( XXXX ) XXXX, apparently they were handling the collection for XXXX XXXX. I contacted total card inc on XXXX and told them I have never received anything from them about the debt. I also informed them that they placed the debt as being from XXXX XXXX when I have n't lived in Michigan in at least 5 years. The representative from XXXX XXXX XXXX  told me that she would not send me the original bill, she would only send me their company invoice which would just state how much I owe them, not the original debt date. I told her I had contacted XXXX and that the original debt date was XXXX, charged of XXXX XXXX. The representative from total card inc then told me that they would put the correct dates of the debt on my credit report only if I paid them the {$140.00}. To my knowledge I thought this was illegal. The representative told me I could email XXXXXXXXXXXX for a validation of the debt but since XXXX XXXX XXXX bought the debt there 's no guarantee I 'll receive the original bill and to just pay it so it reflects correctly. I want the correct dates of this debt and I believe I am owed the original bill with the correct dates of the debt.
I had an auto loan pay off with Wells Fargo and that was paid in full over almost XXXX months ago. Wells Fargo the month I paid off the vehicle auto payment still came out. I called in and they were polite and said they 'll mail back a check should be there within XXXX business days. No check here, I called back XXXX business days later and they apologized and said they just mailed out the check and it would take another XXXX business days to get to me. XXXX business days later again, still no check, I called and I find out that the previous rep mailed the check to the wrong address despite me confirming my home address. The representative this time informs me that they 'll directly deposit the funds into my account now within XXXX business days. XXXX business days later, still no money! I call and ask why the funds are not deposited into my Wells Fargo account and they do n't have an answer for me. I request to speak to a supervisor and the supervisor could n't answer any of my questions and did n't seem interested in helping me but getting off since I know it was the right as their offices close. I requested a follow up call back from the supervisor on Monday to give me a status update. No phone call and still no money!!!!! Wells Fargo keeps dodging my phone calls and questions and two months now and they still have n't gotten my check back to me. 
It 's funny that Wells Fargo will charge me a large late fee if late paying them but there is no late fee for them returning your own money even when its two months late now.
The problem is with Navient for my student loans. I was granted a deference a couple of years ago, but Navient still reported to all XXXX credit reporting bureaus XXXX XXXX XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from Navient with all the information.
We contacted Nationstar because we are in the 6th year of A Make Home Affordable HAMP and we received a letter from Nationstar Mortgage stating that we may be eligible for the HARP program with a reservation ID # So I call - We wanted to lower our monthly payment get our rate as low as possible for 10 years but we would go to 15 years. 

Well to get to the point when I received the email of the Loan estimate from Nationstar the Loan cost origination charges came to {$4800.00}. dollars this included points and fee so my total Loan cost $ XXXX.and total closing cost came to {$10000.00} and the rate started at 3.75 % then 3.125 % for 15 years I just feel or know something is just not right about these numbers. I have talked to other leaders and the loan cost ranged from XXXX to XXXX. If someone would contact me to let me know if Nationstar has had complaint before this I would like to know.
The original company that did my two private student loans transferred all of their loans to First Marks Services. Since the transfer has happened my loans were put under the wrong status, as in one of loans said I was in repayment while the other said I am still in school. I am still in school. It took four phone calls and over a month for them to fix this issue. This month I paid the amount that my bill said was due XXXX. My payments are due every XX/XX/XXXX of every month. This month was no different, the website I make payments on told me my amount due was XXXX due by XX/XX/2017. I paid that exact amount several days early on XX/XX/2017 and I look at the website again today on XX/XX/2017 and they have added more money XXXX that they said is due this month by XX/XX/2017. The customer service is of no help and they have yelled at me and hung up on me. I have called 3 times in the past hour and have been hung up on 3 times. They only called back once. The only thing they say is that I should not have made a payment.
To whom it may concern : I've recently checked my credit report and noticed Exeprian has been reporting XXXX XXXX  XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

Experian continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later Experian still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted Experian many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
I was unable to make payments to Chase for the first 3 months when my loan repayment started. I attempted to pay what I was able for those months. Chase did not accept my payments. Now, they will not give me information about the status of my loan and I do not know how to makes payments. I am now gainfully employed- not sure if Chase sold my loan off or what the status of it is.
My wife 's identity was stolen. As part of dealing with that I reported a " fraud alert '' to the credit agencies. Capital One Auto Finance then reported possible fraud on my account. This was after I had paid off the auto loan within two weeks after the loan was taken out. This has been corrected by Capital One Auto Finance. I have had a Capital One credit card for 10 years ( me personally, not joint with my wife ). They then sent me a letter stating that the new chip card they were sending me had " come back to them '' and that there was likely fraud at play. I had never reported any fraud to them on this card nor had they identified to me the particulars of fraudulent activity. They sent me paperwork to fill out about this so called fraud, which I returned to them immediately, stating I was not aware of any fraud. They then cancelled my card and I am no longer able to log in to my account. This was a major inconvenience because I use this card for automatic payments and since I go paperless, and I could not log into my account to see which vendors I would need to notify. Most troubling is that my REWARDS that I have accumulated are no longer available to me. I have called my " fraud contact '' at Capital One many times with never a call back or a letter. It 's fine that they no longer want me as a customer, but they are stealing my REWARDS from me. I have excellent credit, there is no documented fraud on my account and I feel I am being severley mistreated by Capital One. Thank you for your help.