WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX holder of my mortgage transferred servicing to LoanCare , LLC, as of XX/XX/XXXX.Notice of Transfer said to send payments to XXXX XXXX , XXXX XXXX XXXX, XXXX, PA XXXX. I notified my bank, XXXX  of account number and address change and sent through my first payment through Bill Pay to be received by XX/XX/XXXX in the amt. of {$610.00} and then I sent a second payment to be delivered by XX/XX/XXXX in the amount of {$610.00}.

I discovered XX/XX/XXXX, that my XX/XX/XXXX payment had not been applied, and sent a communication to Loan Care. I have talked to multiple people and had multiple email conversations. My second payment has not been posted either. I sent the documentation of proof of payment that XXXX  instructed me to send from my website, I did not hear back other than another dunning call. I was told I needed a transmittal letter from XXXX  sent to them at XXXX.myloancare.com. I spoke to XXXX  and they said they would send it right over to them at the above email which they repeated back to me. I got a confirmation letter with the transmittal information from XXXX, and after speaking to another agent at ( XXXX  ) LoanCare, I sent a copy of my letter as well to the email mentioned above. One of the agents ( XXXX  agent no. XXXX ) told me they were not set up to receive electronic transfers and that the XXXX should have sent a check. There was no mention of this in the Servicing Transfer Notice.

I made an extra payment over the phone to waylay any dunning, on XX/XX/XXXX.

I have asked if I should ask XXXX to recall the payments and pay them directly, but was told they want the transmittal form. My husband and I have spoken to and corresponded with multiple people regarding this and was told this past Monday, XX/XX/XXXX that it was just sent to the area to be researched and to give it 5 more business days. I received another dunning call today, XX/XX/XXXX and I asked them to please read the history of customer inquiry and was told that the transmittal I sent In XX/XX/XXXX wasn't what they wanted. I will call XXXX again, but I don't have any faith that this will be settled by LoanCare.
Required XXXX has be reporting XXXX accounts ( XXXX .... ) on my credit file for Experian, XXXX and XXXX status as " Creditor can not locate individual ''. My phone number and address has not changed since XXXX 2009. This is the same address that is on file with the credit union as I often receive mail and email from them. I was recently denied credit for a loan and was told that the state reads " Creditor can not locate individual '' on my report does not show well and could easily be misinterpreted as I recently found out. To state that on report is totally incorrect as I receive special offer mail and emails from XXXX XXXX often.
I made a payment on XXXX XXXX and I can prove it. 
Citibank failed to process my payment until XXXX XXXX and then charged me a {$37.00} late fee. I called Citibank to get them to reverse the charges and they refused. This exemplifies the unethical tactics of the banking industry.
This company has been harassing me for almost a year now. My phone does not ring but instead goes straight to voicemail where they constantly leave robo messages. At first, I tried adding their number to my cellular phone 's " Block '' list but that didn't help. 
Out of complete frustration, I did some research on how to stop these calls. I found out about the National Do Not Call Registry and took the proper steps to register my phone number on XX/XX/XXXX. I am aware that it can take up to 31 days for the calls to stop but they were relentless. I then filed a complaint with the National Do Not Call Registry ( not sure of the date ). On XX/XX/XXXX, I filed a complaint with the FCC about the same company which is United Consumers. I was still being flooded with calls. On XX/XX/XXXX, I filed another complaint with the FCC. Since doing so, the calls continue. I have tried calling the number back to speak to someone and it's a robo message and only a message can be left. On XX/XX/XXXX, I left a message including my phone number and asked that they stop harassing me and stated to them that I am on the National Do Not Call Registry and that I also filed complaints with the FCC. I also told them that if they insist on continuing to call that I would take more drastic measures if the calls do not stop. Low and behold, the calls ( voicemails ) continue. I have no idea what this matter concerns because I can never get a live person. On the robo voicemail, it leaves another number to call to resolve the issue and I have tried calling that number, only to get the exact same robo message and no live person. Now, they have resulted to, not only calling from their " standard '' number, but have now started calling from another number as well from the exact same company. I am hoping that you can be of assistance and if not, I am only left with filing a class action suit. The calls that I began documenting are as follows : ( all in the year of XX/XX/XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, the calls began well before that time. Thank you for your time.
So from the beginning which is 2 years ago i tried to get a good plan with them but everything they offer just was plan for failure. So i start to pay what they wanted which was XXXX a month. Im located in XXXX tx so XXXX hit inn XX/XX/XXXX, i went to make a on XX/XX/XXXX payment like i always do every month and it said that navient was not taking payments my account was on hold. Month later i call to make a payment, samething my account was hold and of course navient never told me they would do this, so without my consent they put my account on hold XX/XX/XXXX came around and now they said im behind and that is XXXX now not XXXX and of course interest been piling up. So of course im beyond frustrated, but of course i continued to pay my debt. So XX/XX/XXXX i call to make payment for XXXX while im in the hospital and automatic machine is saying im behind payment, which i know i payed on XX/XX/XXXX, so now we are at XX/XX/XXXX and im not sure if i should continue with payments because im always seem to be behind but my bank statements said otherwise.
I found this tradeline listed on my credit report. I send a dispute letter onXX/XX/XXXXto Portfolio Recovery Associates LLC to dispute the debt in accordance of FDCPA and Texas Debt Collection Act ( attached ). They have not sent any proof of any contract bearing my signature or or showed any proof they are legally allowed to collect debt in Texas.
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX County courthouse defending my property against Nationstar Mortgage LLC who is a debt collector 1692a ( 6 ) who was attempting to collect an alleged debt that is for personal, family and household purpose 1692a ( 5 ). The consumer transaction had been timely rescinded pursuant to 15 USC 1635. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ). Nationstar Mortgage LLC knew or should have known what it was doing was illegal bringing a debt collection action into a creditor related non-judicial state court action in violation of the FDCPA 1692i. Nationstar Mortgage LLC through counsel did place my private and personal contracts into the public in violation of privacy laws causing further harm to me. For these reasons stated above I am placing a complaint against Nationstar Mortgage LCC based on their conduct and behavior with the Consumer Financial Protection Bureau.
I can not access my credit report because it is confusing me with my twin brother. transunion, XXXX, and XXXX have not helped me at all.
XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX AS TRUSTEE XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Select Portfolio Servicing Notice of Default XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify HSBC BANK US TRUSTEE headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 
10. Any Judgments obtained by any creditor regarding this accou
nt 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13.  Explain Select Portfolio Servicing 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. <P/>If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/><P/><P/><P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with Transunion and XXXX, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
I had an account with XXXX XXXX which is the electric company for XXXX Nevada XXXX XXXX area. My now ex boyfriend and I moved out of the apt located on XXXX XXXX XXXX in XXXX XXXX NV in XXXX. This is when the account first became delinquent. in XXXX. The agency did not report this debt on my credit right away they waited till XXXX XXXX try to make it look like they have more time for statue of limitations. In Nevada the statue of limitations is 4 years from the time you are first delinquent not until the debt collector decides to report it on your credit. Today is XXXX XXXX XXXX this debt collector still reports this information on my credit even though the 4 years is up for this stale debt.
Eqifax stated that they were unable to provide an online report of my credit and wanted a mailed in request. Because my mail is not secure I do not desire a mailed copy and want an online report. Eqifax is denying me the option of an online report there for denying me the free annual report.
Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Seterus Mortgage Servicing. Seterus acquired my mortgage in XXXX XXXX XXXX or XXXX. My mortgage was under the Homes Affordable Modification Plan ( HAMP ) and with the newly modified agreement there was n't any 15 grace period identified as the date before any late fee charges. My modification was completed in XXXX I believe and with XXXX. I continued to make the agreed payment after the XXXX of every month and acquired no late charges until XXXX XXXX with Seterus. Seterus had already been servicing my mortgage for almost 2 years now and never sent any updated modification with an effective date that identified any fees to be charged if my modified mortgage was not paid by the XXXX of every month. I contacted Seterus several times and including sending my modification agreement and note with the only response to be " so you want us to charge you for the other years you were not charged, is this what you are asking? '' I have all my payment history recently sent by them, which confirm when they acquired the mortgage and no late charges starting until XXXX of XXXX. I have asked for this to be removed from my Unpaid Balance as well as any interest I was charged by these amounts added to my mortgage. XXXX. I have also asked them to provide proof that I received the benefits of the HAMP {$5000.00} reduction in principal due to making payments on time which since inception of modification I received notices twice ( 2 ) that {$5000.00} funds would be applied to my balance reduction due to HAMP payments being made on time. This would be a total of {$10000.00} that they have yet to provide proof after asking. XXXX. Upon my request for the proof of principal reduction they did send me my payment history which identifies all payments while being serviced by Seterus on time before any month ended. Seterus reported myself and wife a 30 day late in XXXX of XXXX and also in XXXX of XXXX which I have provided the bank statements ( and have them on hand ) to prove the payments were taken from account. Also with the material they sent me that I received on XXXX/XXXX/XXXX the payment history from Seterus also has the proof in their system the payments were received on the XXXX of those months identified. Their negligence, handling of my payment reporting has effected not only my credit but my wife as well and our ability to refinance under HARP with the rate and cost that reflect what our credit should be. They fail to help, as well as defer ownership and accountability to any errors. I have spoken to managers whom also respond the same way as any other associates. I have in a call informed them that I would take matters to the CFPB and the response is, that will not help you sorry. I have any all material to provide to confirm information abov e, except the XXXX notices that due to payment history with HAMP I would be receiving the Principal Reduction benefit. However with the date of my modification and all payments reflected on time that would illustrate that I have received the notices however Seterus has not provided proof they reduced my principal.
In late XXXX, I was applying to a job online and the application took me to a credit score check which I believed to be part of the application. It turned out it was an ad for a company called Trans Union. Not realizing this was fraudulent, I took the credit test and was prompted for my credit card info ( not for charging purposes, but for one of those " your card will not be charged '' things. ) I entered it, took the test and thought nothing of it until I started noticing these recurring charges on my bank statement for XXXX a month for Trans Union. Having no memory of signing up with them, I got on the phone with Trans Union and asked that they cancel my account. I then looked up their company and found dozens of scam reports on these people. Regretfully, it seems everyone has the same story with them -- took a credit test and unknowingly got taken for XXXX a month. I want to report that Trans Union are frauds and are illegally charging for unwanted services without disclosure.
In XX/XX/XXXX I got Americanexpress card. The offer was XXXX bonus points if XXXX dollars spent in 90 days. I spent more than 1000 dollars. Still bonus not given. When I enquired on XX/XX/XXXX no bonus given. I enquired today also no bonus given,
XXXX XXXX XX/XX/17 Td auto finance XX/XX/17 Neighborhood XX/XX/17 XXXX Llp XX/XX/17 I didnt authorize the dealership to run my credit to any of these places. After one bank with a high interest rate, I specifically told them I was getting a rate from my bank after the weekend and to not pull my credit from anyone else. They wanted to sell me the car so they sent out my info to all these lenders without consent.
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and is now yet the bureaus have n't fix that and other debts I already paid for and I have the XXXX they sent me and neither they have remove from my credit report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX
The issue at hand is with my current mortgage company XXXX XXXX. I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, XXXX XXXX   offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. My account was being reported current up until XX/XX/XXXX. 

On XX/XX/XXXX my account was reported delinquent, with a statement that I'm paying partial payment agreement to all 3 credit agencies. Because of this reporting my credit has dropped more than 71 points which cause a huge impact to my credit ratings. 

This is my second claim the first one just closed and they did make the corrections with XXXX and XXXX. I'm still waiting for Transunion to be updated. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. I will attach a copy of the email I sent to them also.
The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report.
The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
Navient keeps adding disputes on my credit report.I contacted navient about the problem in XXXX on a conference call.They stated that they removed the 90 days last disputes on XXXX XXXX 2017.These disputes are fraudulent by navient because I was in deferment and forbearance during these times.Navient was not supposed to mark my credit and add 90 days late and disputes during this time.The agent told us that they removed the disputes and was sending me information about the disputes being removed.Instead navient sent me papers about deferring and forbearance of my loans.
I am trying to work with my lender on a loan modifcation and they are refusing to review my loan for a modification. I have a FHA loan and they are advising me that my packet had to be sent to them XXXX days before the forelclosure but i didn ; t even know i had a foreclosure until 1 week ago. Also i did not receive the foreclosure letter until XXXX XXXX, 2015 there was no way for me to send the packet in XXXX days before the foreclosure when i did n't know there was a foreclosure until XXXX days before the scheduled date. Please help me keep my home
I paid off Wells Fargo over 50 % of my debt on the CC. I missed one payment and they put back all of the late charges they took off so I ended up owing just as much as before I sent them my tax return. Then one day they called me from 6 different numbers and I after I tried to talk to them they said they couldnt work out a deal and they wanted to hurt my credit. I then hired Contacted an attorney who I never heard from either but Wells Fargo says I owe them XXXX $ and I paid them at least XXXX $ of that twice.
Equifax indicated to me today ( XX/XX/2017 ) that my personal data may have been breached in a cyber attack against them.
There are inquiries that I did not acquire debt and there is obsolete information concerning the correct spelling of my name and workplace.
BB & T closed my Credit card for no good reason. I have never been late with a payment and have often carried a negative balance on the card. I was given no warning of the closure.