WillisBack/dataset-financial-user-claim huggingface dataset:
Previous Complaint # XXXX ag. XXXX/Nationstar never resolved in that no dox ever provided as to loan ownership, assignments, or transfer of servicing rights. Additional complaint now set forth in attached dox as to NS accounting errors. Have demanded an independent audit of NS accounting practices and an audit of their errors in my particular case. Thx XXXX
Original Loan :  XXXX - XXXX  Amount : {$35000.00} Deferred for 2 years.
Income based payments for 4 years.
Have paid on a normal, regular payment plan ON TIME and MORE than required monthly for FOUR years. Total debt amount has NOT gone down. It goes UP and they claim interest reasons. There is NO WAY this can be correct. I feel this is shady and it needs looked into.
Company :   XXXX   XXXX  , now Navient
The  Wells Fargo   XXXX   XXXX  branch  in   XXXX   XXXX  , New Jerse y permitted an unauthorized individual to open an account in lat e  XX/XX/XXXX  or early    XXXX   XXXX   XXXX  . The individu al stole a business check which had been issued by a vendor of the business to the business. That check was used to open the account. The bank never requested any documentation ( resolution or other documentation ) to su bstantiate that the individual had authority to act on behalf of the business. The bank branch employees permitted the individaul to withdraw the entire {$9000.00} sum from the account. The business was deprived of its monies.   
Efforts to resolve the matter with Wells Fargo have   been fruitless and the attorney 's letter ignored.
Experian is ignoring my numerous requests to investigate and remove accounts from my credit report that were opened fraudulently.
I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR.
TransUnion & XXXX  are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX   does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The GA US Bankruptcy court has not reported this information. I have asked that this be removed from my TransUnion & XXXX files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.
I opened a coinbase account in XX/XX/XXXX. On XX/XX/XXXX i locked my account by typing in the wrong password too many times. It has been a month, i have received XXXX response or update on what is going on and my account is completely locked. I have {$5000.00} in my account with their company and it was used to purchase XXXX Lite coin which is a form of crypto currency. I bought the Litecoin for a est of {$250.00} and since the month in which they have ignored me and not given me access to my account Lite coin has since dropped to {$140.00}, causing my money to evaporate. Coinbase is a company supposedly based in XXXX XXXX. Their response is that they are back logged which is not a excuse seeing how it has now been a month. They brag about how they made Millions of dollars this year, but customers are kept waiting for months for them to address accounts that they have locked. I contacted the BBB, DCA, CFPB, and will be filing a small claims lawsuit on them next week to recoup any assests lost due to unfair business practices in which they are conducting, if my account is still locked. If you can help me please do. After looking into other complaints that have been filed by other customers this behavior with coinbase seems to be rampant and the norm, which should not be allowed by a United States company. I look forward to hearing back from the CFPB on this mattter. Thank you
I obtained this vehicle loan through WellsFargoDealerServices In XX/XX/XXXX. I've never missed a payment until XX/XX/XXXX. I've always made monthly payments- and as I was experiencing hardship ( job switching and car breaking down ) and called in to see what my options were, they said to either pay up or I would lose my car and get it reported to the bureas. 

As I was making a job switch, they vehicle was having problems and I couldn't even operate the vehicle. Tried to make arrangements with them but they refused to listen or come to any agreements or terms. I couldn't get to work with my faulty ( found out it was a recall ) and lost my new job. WFDS didn't care about my situation at all, all they cared for was their money, them being a lien on my vehicle, and the profit they've made on the interest rate I've paid them for nearly 2 years. 

After they repo-d the vehicle, they refuse to disclose me with the true amount of how much they sold it for. They refuse to disclose information on how much is REALLY left, after any and all GAP/WARRANTY was refunded back into the loan to decrease the amount. All they did was charged it off and kept on telling me to call back to find out the actuall amount due after " EVERYTHING '' goes through. I believe I'm a victim of WFDS not following proper procedures and treating consumers unfairly.
I disputed a late payment on my credit report from XX/XX/XXXX to just make sure the information was being reported accurately. Screen shot attached. Well when they replied and updated my credit report, it shows I was lateXX/XX/XXXX on XXXX and XXXX and then late XX/XX/XXXX on XXXX. But not only that, they updated my credit report with a new late payment on XX/XX/XXXX saying I was 30 days late when that is not true. I feel that they are penalizing me for disputing a late payment when that is my right per the Fair Credit Reporting Act. I attached the new late payments that they only put on after I disputed.
To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying 300 dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
Ask my employer 's receptionist where to send garnishment paperwork. Faxed employer for requesting my personal information. Called me at work when I told them to call at home.
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
I bought my house XX/XX/XXXX from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX XXXX. US Bank is n't communicating with me as set out in the CFPD mortgage rules. 

This spring my insurance agent and I contacted US Bank about modifying my insurance policy to a home owner 's policy. XX/XX/XXXX I wrote to make sure they were using that policy rather than a forced-place insurance policy. And I also instructed them that, CFPD mortgage rules, they were required to remove any forced placed insurance fees and refund any charges to my escrow account. 

I sent them a certified letter with another copy of my insurance document for my house covered by the mortgage, which showed ample coverage for their Loan # XXXX. 

It 's well past the time they should have responded back that they received my letter and that the issue has been resolved.
DITECH ... these people call day and night after the first day a payment is late. I paid over the phone after very aggressive phone calls from DITECH. They said they would waive the fee and when I saw my bank account they charged a fee. 
They also sent me a letter adding {$2000.00} to my mortagage that they obtained from GREEN TREE. They said it was audited and they found a mistake.
Midland Credit called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from Midland Collection Agency. 
I closed that checking account and opened a new XXXX. 
I have received XXXX letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling XXXX of my relatives right now so, I am a bit concerned if they would have a leg to stand on in XXXX Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
I 'm making payments of {$240.00} for XXXX subsidized loans and XXXX unsubsidized loans. When I 'm paying down the balance which has all the interest calculated in, I realized the balance was only going down by {$30.00}. I was told by Navient it is because I was on forbearance before and I 'm paying {$200.00} of interest for it. Should n't that still reflect in the balance because I 'm paying on interest? Last month my Total balance was {$42000.00} than I paid {$240.00} and my new balance is {$42000.00}. {$25.00} is all that went to my balance. It just does n't add up.
I called you on the XXXX/XXXX/15 to file my case and i have waited for a full month because today is the XXXX/XXXX/15 with a case number of XXXX I have been patiently waiting a response from my complaint yet I am looking on line and there is no reference that I even filed a previous complaintI want to make sure that you help me with this problem I have been fighting with my mortgage company now for so long and they have placed me in foreclosure, not because i have not tried to work with them but i feel they do not want to give me a dying chance to re-modify my loan. they have given me a balloon mortgage that i had no knowledge of and as soon as i was unable to work, XXXX. i the same breath i lost both my husband and mother 3 months later to violence. i was unable to work due to XXXX and XXXX and when i request help from my lender they turned me down. they tricked me into believing that they would place the outstanding amounts i could not pay to the back of my mortgage but as soon as the 6 months period ended they told me to pay all the arrears in full. i ca n't imagine a low incomes person like me how must i pay all that at once and i was n't even working at the time. I found a job later but was not making as much as i was when i was employed as a XXXX. right now i am working XXXX an hour and getting monetary additional help from my children who resides with me and pays me to live with me so i can more than take care of my mortgage at this time. i just need my lender to cooperate with me and help me remodify my loan to stop the foreclosure so that me and my children and grand children do not have to be another statistic of being homeless. please help me to help my family. someone i am crying out to you for ; help i do not want to loose my home i need a remodificaton please can some one speak to my lender they wo n't listen to me
On my credit report as of XX/XX/2016., I am still being reported by Sears as being 120 days ' delinquent in making payments to my account. 
However, when the first notification by Sears by phone that a payment was due, I made a payment in full. During that conversation, I explained that I have not received any notification ( Alert notification on the web site ) of any overdue payment or statements. The representative explained that there have been issues reported, and I was credited any late charges to my account. After that conversation, a Sears posted a past due payment on my credit report. In a conversation with sears, I found it to be in my best interest to close the account, of which I received a written confirmation on XX/XX/2016. 
Regardless, even after the account has been paid in full, and closed, sears are still reporting that my account is delinquent or 120 days past due. However, there is a zero balance, the account is closed, and in contacting them by phone did not provided me any resources to correct the issue.
I recently refinanced a 1st mortgage with Nationstar ( now Mr Cooper ) and a LOC with XXXX into a single mortgage. Being in Florida, and having suffered damage due to Hurricane Irma, I took advantage of the XXXX XXXX loan forbearance on the Nationstar mortgage and was in the process of deferring my XXXX, XXXX, and XXXX loan payments. I was told that we would then discuss what would be done and either pay all to bring it up to date or somehow adjust the payments going forward. The refinance process took forever. We started the first week in XXXX and the loan didn't fund until XX/XX/XXXX. Herein lies the problem. Nationstar was greatly responsible for the delay in the refinance as they were not able to reply or get paperwork out in a timely manner. NOW Nationstar is reporting to XXXX  that I had a 90 day past due payment. They are saying the entire amount of the 3 payments was due on XX/XX/XXXX. My ex-wife was still on the loan with me and they are reporting the same on her credit. Each of us had excellent credit before this ( over 750 ) and now have credit in the low 600s. Nationstar is not replying to complaints that we have filed and is not returning phone calls. ADDITIONALLY, they did not send me my escrow balance until I had to call and ask for it, 2 months after the refinance funded. We just need someone to help us. I plan on buying a car in the next few months and this credit error is going to make that more difficult.
Experian is listing a XXXX account as open. I am longer a XXXX customer. I switch to XXXX in XXXX 2015. XXXX was supposed to have paid the remainder of my bill as part of their Cut Your Bill in Half promo. This XXXX account should be closed and removed from my credit report. I am no longer a XXXX customer so why is this acct being listed as open on my credit report.
So I had an account with US Bank over 10 years ago. Now in 2017 they are trying to put me into the XXXX XXXX and freeze all my accounts and I owe them {$1300.00}. Im a working man who works check to check and can not afford to have this happen. I was over drawn on the account by about a dollar, and then they charged me a ridiculous amount for the overage charges. Now 10 yrs later after forgetting about it, they are having a legal company contact me and tell me that Im going to get my accounts frozen and I have to pay! US Bank is trying to ruin me 10 years after something that I had forgot about, and for a {$1.00} overage. I am hoping to get This resolved so I either only have to pay what I was over 10 years ago or just not {$1300.00}
I wrote a letter to trans union asking them to remove my Bankruptcy from there file. I did this back on XXXX/XXXX/XXXX. I got a letter from them dated XXXX/XXXX/XXXX telling me that it has been verified. Keep in mind the Texas Federal Courts DO NOT report anything to the various credit bureaus, nor do they verify the information reported is accurate.
This man, XXXX XXXX of Contract Resolve Group LLC has conveyed all my business to an employee of my company. He has made threatening telephone calls and emails to my landlord, the City Health Department, and continues to place telephone calls and texts to me after being told numerous times not to contact me. He is abrasive and goes out of his way to contact external parties to taint my business relationship ( s ).
Experian has refused to investigate requested items on my credit report. OnXX/XX/XXXX I sent an initial request to investigate. On XX/XX/XXXX I sent a notice that they violated the regulation to investigate the items below. To this day I have gotten no response from them ... 

ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XX/XX/XXXX
I requested proof of debt. XXXX could not provide my signature or any other proof the debt was mine. I filed a dispute with Equifax and with CFPB. The collection account was removed from my report as a result of no proof of accuracy. XXXX reported the same *incorrect* collection account to Equifax *again* just this month and it is now listed inaccurately on my report. I respectfully request the inaccurate account be permanently removed from my credit report and XXXX cease and desist immediately.
XX/XX/2017 when i checked my email and logged onto my account with navient student loans it showed that i was behind at least one month. When i checked the payment history i was current with all monthly payments. Yet, i received an email saying i am behind on my payments and will be charged double. Also, my monthly payments increased from {$350.00} per month to {$530.00} per month.
I contacted the company on my due date and made arangements to pay the payment in 5 days when I had a paycheck come in. They said that was fine and told me to come in and pay on my payday. I then contacted them on my payday to see how much the payment was and they said I had to pay the total amount of the loan. I did n't have that much money to pay in full. I told them of my situation and they said I had to pay the whole amount. On my next payday I attemed to pay the full amount and they sent me an email saying that I had to pay the full amount plus {$500.00} to pay off the debt. They then proceeded to call roughly 20 times a day harassing me leaving me countless messages on my voice mail. They called so many times that I was reprimanded at work for my cell phone ringing twice an hour. I just want to settle the correct amount that is owed so the harassment will stop. The company is ace cash express.
i have been a customer 10 years. first time i am late. ex huaband is on loan not being contacted only me contacted citi to report not only tenant breach and defualt of lease but vandalism to my home making payments very hard to make. 
Pleae have someone call me to in an individualized way handle all this. 
I will pay XX/XX/XXXX when i can. i asked for a non one size fits all approach and i got exactly that. 
please contact XXXX at XXXX as i have asked for the payments.
I have contact them on various times when I make extra payment it goes towards my intr. rather then my principal even though payment is already paid for that pay period. I also tr
Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name CAPITAL ONE Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXX XX/XX/XXXX
I have disputed the student loan accounts XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,
Equifax has demonstrated an unwillingness to remove fraudulent credit accounts and all fraudulent charges associated with my identity. My identity was stolen in XXXX XXXX and I have been working diligently to have all fraudulent charges and accounts removed from my credit history/score since XXXX XXXX. This is a totally unacceptable result and sub-par business practice on Equifax 's behalf. I have repeatedly called and reached out to Equifax for assistance to have the fraudulent charges expunged but fraudulent charges are still reflected on my credit history as of XXXX/XXXX/XXXX. This appears to be a chronic consistent pattern of unsuccessful results with poor customer service and satisfaction. Nothing gets done on their end ( Equifax ), so nothing gets done .... Very negative experiences attempting to work with Equifax with poor communication. Customers can not submit requested documentation to XXXX fax numbers provided by Equifax. I have attempted to fax information back to Equifax since last week XXXX/XXXX/XXXX but have been unsuccessful. The errors being on the part of Equifax. The fax numbers provided are not working with busy signals and no connection. No immediate alternate option was provided to correspond with Equifax other than by regular mail. No email address was provided to submit documentation needed to assist immediate consumer issues. XXXX and XXXX have removed all fraudulent charges from my credit history but Equifax has not done so. This must be corrected at once. I respectfully request an immediate investigation into Equifax business practices. The ineptitude exhibited from Equifax in overwhelming and customers are suffering as a result of their indifference to perform the job. Please assist asap. Thank you.