WillisBack/dataset-financial-user-claim huggingface dataset:
NationStar Mortgage bought my loan from XXXX XXXX XXXX in XXXX # XXXX First Mortgage in the amount of Approx. {$460000.00} I had obtained this loan directly from XXXX in XXXX. I have been in a Chapter XXXX Bankruptcy since XXXX. case # XXXX XXXX XXXX, CA. In order to get a discharge in XXXX I obtained a 2nd Mortgage in XXXX and paid off all my creditors. As a part of my discharge I paid Nationstar Mortgage XXXX advance Mortgage payments of {$1700.00} which were the remaining XXXX payments in the Plan. I duly obtained the discharge and it was entered on XXXX/XXXX/XXXX as there was a XXXX day wait per the Trustee 's lawyer. 
I have since written to NationStar Mortgage, Called them several time and asked for a receipt of these payments, a mortgage statement showing the next due date of XXXX/XXXX/XXXX. They have not complied in ANY WAY, instead they sent me a copy of the note and collateral agreement showing that they own the loan. Every time I call I get a different and more confused phone representative, I was told that by XXXX/XXXX/XXXX my loan would be removed from the BK Department and would be put back into a normal loan servicing mode as it should be. I was also advised on XXXX/XXXX/XXXX that a Mortgage Statement was forthcoming and the excess amount of {$1700.00} ( Suspense ) in my account will be applied to my XXXX/XXXX/XXXX payment. The excess is due to the Trustee making an extra payment during the XXXX months that they handled my case. 
I contacted XXXX XXXX attorney at XXXX XXXX who claims to represent NationStar Mortgage and told him that I was not getting any cooperation or compliance from his client NationStar Mortgage, he said he would contact them, correspondence is attached. Today I called and spoke with another Customer Service Rep at NationStar Mortgage- XXXX in XXXX , AZ . She said all that I was told was incorrect- she said once an account is put in BK it is never removed and all correspondence is stopped to the borrower, so, I will never get a receipt or anything that I have asked for, when I told her that was incorrect she said " you want to speak with a manager? " I said yes, she transferred me to someone 's Voice Mail and I did not even get their name- just a message stating- Have a Good Day. As you can see despite paying them {$8600.00} and having {$1700.00} in my suspense account, they will not cooperate and hence my complaint. 
I have another issue that I will file a separate complaint on- NationStar Mortgage has sent me XXXX different Form 1098 showing the Mortgage Interest paid for XXXX, all of them are wrong. They have refused to correct that document by telling me that it is correct already.
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last XXXX years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.
We had a mortgage loan modification agreement in which Citigroup XXXX XXXX XXXX XXXX did not comply with the Loan Modification. The mortgage was assigned to Citi from XXXX in XX/XX/XXXX. In addition as a result of a settlement agreement between the United States and Citi in XX/XX/XXXX, we and other consumers were to be contacted by Citi in regards to the settlement agreement and advised of our rights under it, however Citi never contacted us and most likely many other consumers about their rights under the agreement.
Portfolio Recovery of GA ( latest number XXXX ) keeps calling. XXXX research indicates this is a collection agency. I owe nothing but a mortgage which I pay monthly. I have no debt problems. XXXX research indicates this firm just calls and calls. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much XXXX XXXX XXXX
I have contacted Experian about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
My mortgage has been transferred to a new servicer three times in 3 years. This latest time, I received a letter on XX/XX/XXXX that told me my bill due XX/XX/XXXX was due to the new servicer, even though I had not yet even received a bill from them. Then I received a " privacy policy '' that says they will share my information freely for marketing purposes unless I jump through several hoops to get it turned off. Oh and by the way, I only have 30 days to do so and their office is only open from XXXX to XXXX if I choose to phone in a change. This is a gigantic pain XXXX. why must I go through this routine every year?
Chase Bank Credit Card 's dispute service is poor. It is often lack of response and leave the issue unsolved.      I disputed a charge through Chase Freedom Credit Card. After I filed dispute, I was issued a conditional credit. However, without any communication or follow up, Chase rebilled the amount of dispute. I contacted Chase for the explanation, but no   response.
This organization ( XXXX XXXX XXXX ) is harassing my family members by calling their house. I do not live there nor have I lived there for over 10 years. They are sharing information about my debt with them and I believe it is inappropriate
Dear CFPB : FYI - Here is my self explanatory follow-up letter to XXXX XXXX at Citibank for my case # XXXX regarding my Citi Card account. I would appreciate your follow-up with Citibank, as I still think their practices with seniors and others financially damaged by circumstances beyond their control are abusive and predatory. I removed my letterhead and signature along with my Citi account # before sending a copy of this letter to you. Feel free to share this information with those deemed appropriate and to add this letter to your database for complaints against Citi. Thanks.
I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.
Made a formal statement with Ability Recovery Services LLC on XX/XX/2018. Explaining to them that I was XXXX at the XXXX XXXX XXXX in and around the time these services were provided. I asked for proof of a itemize bill. The debt collector refused to send it to me. After calling numerous times they finally agreed to send me a bill. Instead of sending the itemized bill they sent one of their cover letters with an attached payment slip at the bottom of paper.
I would like to file a complaint against a debt collection company named Brennan and Clark they call my company today and discuss my debt with one of my employees and was telling the employee that I'm going to be in a lot of trouble if I don't pay them. I have spoken with this same debt collector before and he will no discuss why i owe this amount only that i have to pay him and when i called him back he hangs up on me. the amount he is asking for is {$4600.00} which i don't think i owe .This company uses scare tactics and threats to try to force me to pay a debt with no explanation or detail 's. The name of the contact at Brennan and Clark the has been calling and disclosing this debt with my employees his name is XXXX XXXX  XXXX ext.XXXX I believe this is illegal and unfair business practices my contact info is XXXX or by email XXXX   please give me a call or email at your earliest convenience thank you.
I took out XXXX signature student loans through XXXX in 2006. I have been in school since pursuing a XXXX and will be finished next year. The loans were originally for XXXX total. They are now at almost XXXX due to interest. They are held through Navient. Navient is stating that my deferment period is up and I am in repayment. I told them that I cant pay, as I am in school still. They said I can join a forbearance program put I will have to pay them to join it. I do not have the money to do so. They are offering no other programs. Im stuck and need help.
I have a credit card with Capital one. I recently paid off the account in full based on the balance quoted by their system online. I even paid {$10.00} ( XX/XX/XXXX ) over what was quoted because historically Capital One always charges misterious interest after I have paid off the account. I contacted them this time and asked how would I know about some interest charge if there system ( which quotes the payoff ) does not show it. They said because of the billing cycle it would not show the correct payoff. If I am customer it would seem there is no way to full know what is due and it seems like a scam that these charges show after they accounts are paid based upon what was due their system. This seems to be common among credit card companies, they know how to charges interest but there system can not truly show what the payoff is exactly. I think this should be looked into.
Back in XXXX of 2018 my credit card was stolen and someone used it to run up an enormous balance. I don't know why all of those charge got through. I called once I realized it and informed them. I told them I did not have the card, did not use it, did not give to anyone and no one used it on my behalf. I also signed the affidavit that they sent me. I asked was a police report necessary and rep said you can do it but it's not a must. They adjusted my account for the charges and then 3 months later put the charges on my account. I immediately called to see why and what was going on and they stated it was suspicious. What does that even mean? How was it suspicious. They didn't state clearly and informed me a police report needs to be filed so they can adjust. I informed I asked about that when first happened and was told no. I filed the police report and provided them with the officer name, precinct and case number. Time goes by and they say the credit will not be put back. This makes no sense. I called in when noticed and that was within time frames that I have to, I have been totally compliant and returning information that ask for promptly and there is not one single piece of evidence or anything that can show I did this. Not one because I did not and didn't authorize. My spending habits on the card wouldn't even suggest me spending like that or that much. I just don't understand what's going on and why this is happening to me. I need help.
The " do not advance due date '' tab on there website doesn't work. All of my loans had been paid ahead to XX/XX/XXXX. I called in XX/XX/XXXX and asked that only my loan G have the due date be moved to XX/XX/XXXX. I was told by the agent it would be changed and he noted the account. I told him not to move any of the other loans due dates at all or dont move any loans due dates.They moved all of my loans due date to XX/XX/XXXX. I feel like they do not want me to pay off my loan with High interest rates and do everything they can to pay off the lower loan first. I have been fighting with them for the past few months trying to find a away to pay more on the loan G with a 6.5 % rate. With is the highest amount loan and the highest due date.
Equifax did not take proper steps to protect my credit information from hackers and it has become compromised. This places me at higher risk of identity theft because of their negligence.
I had a revolving debt with Capital One that was in their collections unit. I was told if I paid the debt it would be deleted off the bureau 's. I recently paid the debt and was told that they now can't do it and it will stay on my credit report for the next 7-10 years. I was recently denied for a business loan because of this situation. I feel I was lied to about the whole situation and that's disingenuous to tell a consumer it'll be handled and nothing is taking of.
Asked company to look into an entry on my credit report, Transunion is reporting a usury account illegal ( Both civil and criminally ) in NYS. I have attempted five times to get an explanation as to why transunion is disregarding NYS law. They normally respond with a boiler plate answer that does not address the issue. Now, they aren't even responding. Please note that this is the only credit reporting agency that has refused to remove the entry in question.
A lawyer and I have been work with Ocwen for about wo years trying to get thing done that they asked us to do and still have not gotten any where with them. This lawyer can not handle this he asked that I will get with you all to see what can be done. I have information to e-mail to you from his office and material to mail to you from him that you need to see. Please get with me as soon as possible so I can get this to you I can e-mail this to day or tomorrow in his note he said he will give you all information that is needed. Thanks XXXX XXXX, Yes got behind but did everything they asked us to do to sell this house. we have the process and steps I had done to get this house sold and also they ask me to give it back to them tried that. you have to look at what the Lawyer did.
I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.
The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with Transunion, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX  shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.
I sold my home in XXXX of 2018. I've been waiting for escrow reimbursement circa {$1800.00}. I've called several times and have not been paid the overage. Ditech advised that they would send me a check and I still haven't received it. 
I've tried to escalate and was told they sent the check to the property address even after I supplied my forwarding address. I have been unable to reach anyone to resolve the issue. Ditech has been unfair and deceptive to say the least. The house was paid off in good faith and I want the money that I have paid into escrow that is owed to me.
Debt Recovery Solutions LLC tried to collect a {$460.00} XXXX debt several years ago. This debt is attached to an address where I never resided and the debt is not mine. I do not and have never had a debt with XXXX. I do not have any outstanding debts for that matter. I have impeccable credit. I contacted DRS years ago to resolve this and was informed that the account would be closed. Now, years later, DRS has reported a tradeline to XXXX When I contacted DRS, I was told I had to provide my SS # and I refused, but the representative did read aloud the last 4 of the SS # on the fraudulent account- it is very clearly not my SS #. The representative still said he could not do anything since I was not willing to provide personally identifying information. I contacted the company via their compliance email on XXXX/XXXX/XXXX and received no response. I filed a complaint with the BBB on XXXX/XXXX/XXXX. DRS responded that they had completely closed down the file and removed the tradeline from my credit report. After several days, it was clear that this did not happen. I responded via the BBB. DRS responded again and said they have record that this did happen on XXXX/XXXX/XXXX. I provided proof that it did not and DRS said, on XXXX/XXXX/XXXX, that they would look into the matter immediately and send an expedited deletion request to XXXX for the tradeline. I spoke to a representative at XXXX on XXXX/XXXX/XXXX who informed me that no electronic transaction had been initiated in any way by DRS. I opened a formal dispute with XXXX. I also responded again via the BBB on XXXX/XXXX/XXXX to inform that there is still no evidence that DRS has requested the tradeline be removed nor shut down the file. DRS is no longer responding. It is COB on XXXX/XXXX/XXXX and still nothing has been resolved. The fraudulent tradeline is still on my credit report and XXXX is still reporting no movement from DRS.
Thereto the law of the FDCPA XXXX XXXX and his letter alleges to be a customer advocate for SPS on behalf of XXXXXXXX XXXX XXXX the alleged original lender. The alleged original lender has never attempted to collect an alleged debt nor has said company that being XXXXXXXX XXXX XXXXXXXX has ever contacted the customers herein this matter. Therefore XXXX XXXX and SPS along with XXXX XXXX XXXX XXXX XXXX [ XXXX ] and others not limited thereto employees of all said companies former and present are being forewarned that the mentioning of a debt without verification and validation is a Fair Debt Collection Practice Act issue and shall be addressed herein. XXXX XXXX on behalf of all mentioned companies have lied, he nor any company has ever attempted to validate nor verify this alleged fraud debt. There is no contract between XXXXXXXX XXXX XXXXXXXX now doing business as XXXXXXXX XXXX XXXXXXXX and said company has never attempted to contact the customer. As such this notice of Default and dishonor has been forwarded herein thereto all in this matter and collections has taken place with interest and such shall be filed in Federal Court within the USA.
I 've paid for credit protection with Equifax for over a year now. Equifax was hacked and they believe my information was compromised. I already pay for their services and to further enroll in credit protection services will force me to waive my rights of legal action. 

I have not received a letter, email, or any other type of notification that my data was breached. I had to find out from XXXX after it was discovered that three executives sold their stocks 3 days before it was announced that they had been breached. This is unacceptable. This if true, is absolutely insider trading. The company executives need to be investigated along with the company as a whole. 

They literally had one job.
II r eceived a letter ( by mail ) from COMENITY CAPITAL BANK dated   XXXX   XXXX  .   COMENITY CAPITAL BANK  XXXX   XXXX   XXXX , OH  XXXX .  XXXX  I had applied for a MY PLACE REWARDS credit card account which Comenity Capital Bank issues and handles any account-related matters. The letter stated that they were unable to approve my application as I did not meet their debt to income requirements. M y credit score a s of   XXXX   XXXX   XXXX     :  XXXX  I contacted them immediately asking why I had been denied the credit with an Excellen t credit score. Unde r the Fair Credit Reporting Act, which they based their credit decision, in whole or in part, on information they obtained from  XXXX . They told me they could tell me nothing at all and I would need to contact  XXXX . I did so, and after explaining my situation and telling them that I was n't concerned at all about the denial of the card, I wanted to make sure that this did n't leave a denial on my credit.   XXXX   explained to me that they could n't tell me anything and I would need to contact COMENITY. Since I 'm at a standstill, I just want to get an answer verifying that their denial ( and purpose ) will not be on my credit report. I have ALWAYS had excellent credit. I do n't want this to jeopardize my credit.     I would appreciate any help you can give me to get this issue straightened out and to insure that this has n't effected my credit. Thank you.      XXXX   XXXX   XXXX  XXXX  XXXX