WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My name : XXXX XXXX E-mail address : : XXXXXXXXXXXX Phone number : XXXX XXXX XXXX Dubious Financial Practices and failure to post ypricipal as requested I have tried to modify this mortgage several times in the past but Nationstar would not allow me even after my wife died. I applied to refinance it and yet Nationstar refused to assist me. 

I have owned the property since XX/XX/XXXX and it remains on Adjustable Rate and the principal has remained same since then. 

Even though I applied for modification of the loan, when it was denied, Nationstars put the house on foreclosure. i had to pay back all the owed amount including the late fees when I appplied for modification, before the foreclosure was lifted Now I paid XXXX extra in XXXX XXXX and instructed Nationstars to apply this under the principal. The following day, I saw that the money had been divided into smaller amounts which they called legal fees and LATE FEES, I called and spoke to a lady who told me she has put in request to apply the posting towards my principal. 

I checked my account again today I noticed it had not been changed. I called Nationstar 's staff by the name XXXX, at about XXXX ET, who told me the amount was applied towards late fees and it would not be changed.or credited towards the principal as I requested I told him I have not made any late payment since the house was out of foreclosure and I had paid the accumulated late fees when I applied for modification. He insisted that my payments were late and when he went through my account he could not find any late payment and he now told me the amount was applied towards Corporate advance, which I am not aware of. I asked XXXX to let me talk to his supervisor, he kept me on hold for some time and later on hung up the phone at XXXX Eastern time.I have the following complaints 1 ) When I applied for modification and it was denied, I did not have to pay late fees but nationstar made me pay the late fee with the threat of foreclosing on my house after the death of my wife 2 ) I have Adjustable Rate and I am allowed to pay down the principal since my application for modification and refinance were denied. I request Nationstar to post my payment according to my request, towards principal reduction 3 ) Nationstar should reimburse me the money I paid on late fees when I applied for modification and it was denied 3 ) XXXX is unprofessional and rude. He should never hang up the phone on a customer. I have the right to speak to his supervisor if I am not satisfied with his response I would appreciate if my complaints arfe properly reviewed and a response sent back to me at XXXXXXXXXXXX Thanks.
the state collection report wrong dept collection ( medical ) to my credit history for negative but this is not my dept also for harassment report to XXXX XXXX and all other credit score company!!? this is not correct for law
I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS   XXXX   XXXX   XXXX  . EXPERIAN CLAIMS TO HAD VERIFIED  THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS.
I called the free credit score company about a charge to my card from them. They told me that my information wasn't in the system. So he asked me for the first 6 digits and the last four digits of my card number. I gave it to him he said that the card number is there. But it's not with my name, it had someone else name on there that I didn't know. I asked him if I can speak with the supervisor about the situation, he told me that I can't cause I don't have an account with them, but they charged my card.
To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XXXX XXXX, XXXX to Experian National Consumer Assistance via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXX, Experian tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
I had an issue with an item I purchased on XXXX where the item came from a third party seller. Item was a camera that did not come with a wall charger and connected to its own WiFi that did not work unless my cellphone was within 10 feet of the camera which defeats the whole purpose of having the security camera. Contacted the seller for a refund they sent me a return label where I as the buyer had to pay return shipping. Item was received by the merchant and the merchant refuses to Respond to communication and will not issue refund. I contacted Bank of America credit card to dispute the charge I mailed them the documentation necessary and they claim they dont have anything and the only way to give them information is by mail only. Post office lost correspondence sent to Bank of America.
Ford Motor Credit is reporting a repossession on my credit report that is inaccurate. The vehicle was never repossessed during the time i had a loan with them.
Experian is showing XXXX inquiries which are not mine on my Experian credit report They refuse to remove these incorrect entries and are in violation of the credit laws
I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation.
On XXXX XXXX I requested a withdrawal of XXXX eur from my Coinbase account to my bank account. Coinbase sends me an email indicating that the money would be in my bank on XXXX XXXX. Today I still do not receive it in my bank account. I contacted the Coinbase support team but received no response
Experian lowered my credit score by XXXX points on XX/XX/2017. 
I have called them twice to get assistance and the cause of the action. 
Experian refuses to give me facts on why the scored dropped by XXXX points. XXXX @ Experian told be today it was because my credit card balance went from {$200.00} to {$480.00}, the card has a max available credit of {$12000.00}. When I contested his statement he refused to tell me the facts of why my score was lowered by Experian. 

Credit reporting companies are not allowed to arbitrarily change scores. They must provide the facts to the consumers of why they have lowered the scores. They must tell the consumers specifics on the credit report that cause the change in score, not speak in theoretical terms!
My son past away XX/XX/16, his wallet which contained his bank card and bank account number was stolen from me while I was in hospital to see him. ( Police report filed ) A family member and an XXXX XXXX falsified his death certificate and used falsified death certificate to go into the TD Bank, Branch # XXXX, XXXX XXXX  XXXX XXXX, XXXX, PA XXXX and took out over {$3800.00} of funds and closed his account. This undocumented immigrant was not authorized to take this money. Person was not listed on account or listed as a beneficiary. Person was on parole and the time and still on parole. Vice President XXXX XXXX, Vice President is trying to cover fraud since she is involved with this undocumented immigrant and another business member of the community. The end result the other business member of the community received money he/she was not entitled too, as well as this undocumented immigrant who doesn't have proper identification to cash a check. ( Police reports filed ). I am the administrator of my son 's estate and I demand an investigation, return of funds. My son has outstanding funeral bills. I want these individuals prosecuted for this fraud. The law states you do not steal from the deceased without the proper probate paperwork. I spent one year legally to prove death certificate was falsified and thus it was amended.
XXXX XXXX put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.
I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.
Me and my wife worked to pay down our conventional 30 mortgage with Bank of America to get below an 80 % LTV so that we could cancel PMI. Once we reached below 80 %, I contacted Bank of America to inquire about PMI cancellation. The representative informed me that our loan to value ratio did indeed qualify for cancellation of PMI. He told me that he submitted the request and to allow up to 4 weeks to get a letter indicating approval and conformation of cancellation of PMI. I asked if there was any reason that the request would not get approved. He said it will get approved as long as long as there where no late payments in the last 24 months ( there where no late payments for the entire loan period ). A couple weeks later, I get a letter from Bank of America stating that my request for cancellation of PMI was denied because the current LTV ratio of my loan has not met the established requirements to summit a request to cancel PMI. They also attached a form with with instructions to use there appraiser to pay for a new appraisal if the current value came back at less than 75 % LTV. Looking around at other complaints on Bank of America, It appears to me that this is standard practice for them when it comes to people canceling PMI.
My bank charged me a {$7.00} OD fee even though I had the money transferred in right away to cover it. I have XXXX direct deposits going into my acct each month for a total of XXXX. Really, an od fee for a great customer who has been with your bank for probably over XXXX years!! I talked to customer service reps who would n't remove the fee. I then called the bank in my area and they removed the fee, but told me if I did n't have a balance on my equity line I would get charged again if it happened again. Why would a bank take XXXX minutes to tell me there was nothing they could do and then I call the branch and he removed the fee. It is principal with me -- if you are a great customer and a long time customer why would you want to make them unhappy? Does n't anyone care any more about good customers???
I Recently purchased a refurbished XXXX beats laptop from Sears.com using my Sears credit card. i received the laptop with a password on it. i called sears the next morning and told them that i had received it this way, and they told me that i had to call XXXX and register the laptop with them. I tried to explain to the rep that THE LAPTOP WAS LOCKED, and she then told me to give her a minute so that she could speak to a manager about it. she came back saying that she had to call the sellers of the laptop. i waited approximately 5 min before she came back to me saying that they were n't answering. I then told her that i all i wanted was a return label, and a refund she told me that she would speak to her manager again about the situation. She came back saying that she would send me a label. i waited 3 days to receive an email. i never did so i called back and they said they had to file a claim with the seller, and that they would do it for me. a few days later i received an email stating that they were n't going to take it back due to their no return policy. i immediately called sears and they transferred me over to the claims manager whom told me that she would again contact the sellers. I just want a return label for the laptop i no longer want it. its taken almost a month and still no solution
In XXXX Nationstar Mortgage company took over ( bought ) my Mortgage from XXXX XXXX XXXX. In XX/XX/XXXX they sent me a letter stating I did not have enough Flood insurance coverage to meet their requirements. I informed them that my agreement with XXXX XXXX XXXX stated I only needed XXXX % of unpaid balance. ( about {$57000.00}. worth of ins. needed ) They went and purchased Gap insurance without informing me. 
After numerous letters and phone calls with no resolution to the matter I had to get a lawyer involved. After receiving letter from lawyer proving they were at fault in the matter they cancelled the insurance and returned my money to escrow. Since that time they have done the same thing twice. Every three months I receive letter stating I do n't have enough insurance I have to go and fax papework ( which costs me money ). As of the writing of this letter they went and got me Gap insurance, taking the money out of my escrow account and raising my monthly payments. I have {$120000.00} worth of flood ins twice the amount needed. It is very stressful dealing with this company. If I speak to a representative I am told it was an error and will be taken care of. Nothing is done. Then I fax over letter from lawyer all mortgage agreement with XXXX XXXX XXXX and it is cancelled. This time after doing all the same nonsense they have not contacted me or cancelled the ins.
First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan. 
2nd this person was awfully rude. Unbelievably rude. 

That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is. 

Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.
The interest was raised from XXXX to XXXX and we try to deal with the interest raise and they refused.
I dont know this company. I have never done business with this company. I don't have credit with this company. I don't have a signed contract with this company. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Diversified is required by federal law to verify - through the physical verification of the original SIGNED CONSUMER CONTRACT - any and all accounts they attempt to post on a credit report.

In addition, I have NEVER asked this company to mail me identity theft information.

I dont want this company calling me or mailing me with harassing fraudulent communications.

My next course of action will be to file legal action in my county in the amount of {$10000.00} for damages. Along with other entities who violate Section 609.
Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.
My name is XXXX XXXX I have my car finance threw XXXX XXXX XXXX Im in a financial struggling to pay bills I got behind in my car payments I called and explain to American credit they still came got my car when they came they broke a piece in my car I had to drive 30 minutes to get my car back they call my job harras me the company is American credit Acceptance I spoke to XXXX XXXX his number is XXXX American credit Acceptance number is XXXX
To Whom it May Concern : I have recently pulled my TransUnion credit report and noticed that a public record that has been investigated and DELETED by another credit bureau is STILL being reported by TransUnion. I have PROOF that this public record was deleted. XXXX conducted another review of this public information as reported to them through XXXX and this claim was unfounded and therefore removed. Please follow suite and delete this public record for accurate reporting. This public record needs to just be removed in order to show my true credit history. 

XXXX has removed all records associated with Ohio Federal Court - XXXX Docket # XXXX. This public record was reporting the following information from the following report : Ohio Federal Court - XXXX Docket # XXXX I am aware that TransUnion conducted an investigation in XXXX XXXX. I am DEMANDING that another investigation be resubmitted based upon the findings from XXXX. I want this new investigation done so that we can actually VALIDATE this public record as such. DO NOT send another response stating that based on XXXX XXXX 's investigation, that this claim is valid. I want you to investigate this claim as of XXXX XXXX to depict the MOST ACCURATE REPORTING OF THIS PUBLIC RECORD AS VALID. 

Also, let the record show that upon reaching out to XXXX, I was told that bankruptcies are not reported to the credit bureaus and that they do not verify bankruptcies, as per your results from the " investigation '' done in XXXX XXXX. 

Be advised that this is an attempt to correct your records. Any information obtained shall be used for that purpose. Please review the attached information provided. 

Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.
I am an identity theft victim, my information was used without my consent to apply for a Tj Maxx credit card. That application was submitted to XXXX XXXX/TJ Maxx in XX/XX/2018 using my information. I obtained the assistiance of a fraud detection agency and their office is working on my behalf to resolve the issues however XXXX XXXX/Tj Maxx has not remove the fraudulent inquiry after an official dispute was provided to them XX/XX/2018.
Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. 

Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a  slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). 

This ca n't be possible, right? Please see attachments.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/2014 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.