WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) XXXX XXXX XXXX   NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
For no reason that they will tell me Barclays called me on XX/XX/2016 to ask for a copy of my social security card, drivers license, and a utility bill. Then before I could send anything closed my account anyways with no notice and no explanation. My credit is still over XXXX and I have never missed a payment to any creditor.
The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ).  - The lender has also not provided a response to our qualified written request for the loan history needed to assist our client.
This company emailed me out of the blue saying I took at a loan which I have never done with a payday loan. My mother just passed away and they are harrassing me.
My credit report reflects inaccurate information and Equifax needs to correct and update the information on my credit report. The account listed as Common Wealth of VA account # XXXX reflects an inaccurate balance of {$1800.00}. In XXXX 2015 approx. {$120.00} was paid and on XXXX XXXX, 2015 the remaining balance on the account was paid down to a XXXX balance. Receipt/confirmation # XXXX is proof of the {$1700.00} payment which brought the account to a XXXX balance up to XXXX XXXX, 2015. The current month is the only month due and can not be legally reflected unless 30 days elapse without payment. XXXX 's payment is due but it may not be reflected on my credit report unless the balance has not been been paid by XXXX XXXX, 2015. 
Even though this account was brought current, and paid to a XXXX balance, Equifax failed to update this account and falsely reports a {$1300.00} past due balance as the account status. In addition the account status provides a false statement that that amount is a a delinquency of more that 120 days. That is not true and Equifax had corrected such claims in prior disputes. The account history shows that the account was always paid on time. This is true as reflect by the furnisher 's records. Those records caused Equifax to make the payment history correction prior to this recent error but some how they have re-entered previously removed information. That balance no longer exists but when it did it was not to be listed as delinquent because their was a payment agreement from a court, and as the data furnisher 's records confirmed during the prior dispute, I was never 30 days late let alone 120 or more. Equifax must refer back to the documentation it received last time and remove this item from my credit report because they have failed in their obligations under the Fair Credit Reporting Act. This erroneous information has unfairly jeopardized my credit score and I was negatively impacted in my business and regarding an credit request with XXXX XXXX XXXX. Equifax must update the balance to XXXX, account status to current and inform XXXX XXXX that my credit report was updated and that my credit score has also been updated.
This company is called Portfolio Recovery and they keeps on calling me, I have never done business with this company, I have talked to them many times and they keep on asking for other people names and I tell them that this is not me, but they keep on call, they will call from other phone numbers as I am reporting and placing the complaints and the company names is the same as Portfolio Recovery, this company has been reported as scammers, please have them stop calling me, they will not respect my wishes and the Federal No Call List. 

Thank you for all your help and support with the issue and matter.
On XXXX, I received a call from the area code in which I reside. Individual on the phone insisted on verifying my personal information, address, ssn, date of birth. I asked who it was. The individual then transferred to a man named XXXX who then quickly stated that he was attempting to collect a debt on a payday loan associated with my ssn. He then stated all my personal information like name address and DOB. He cited the laws in my state that I was in violation of due to this payday loan initiated on an account that I have not had for 10 years. I asked him to send me verification of the debt. He sent me a word document to my current email and gave me XXXX hour to determine if I was going to make arrangements to pay the {$2000.00} loan or be taken to court. The document included their case ID number, the lender 's name, the amount they were willing to settle and a disclosure with a toll free number. I called the BBB and reviewed this information. They looked it up and could not verify a business name associated with the phone numbers or street address. I called him back after reviewing the document and requested XXXX more hour as I had an appointment. He said fine. In that time, I Googled the address, phone number and nothing came up. I called the BBB of my state and they suggested to request official documentation of the contract for the loan. They also stated I should inform him that I had contacted the FTC. I called back to XXXX at XXXX XXXX Services. Once I requested the information and stated to him I had contacted the BBB he informed me that he had done everything he could and he would have to file with the court. He also stated I was not smart enough to even read the phrase Better Business Bureau. I interjected and said I am requesting this information so I can verify and protect myself from fraud. He repeated his comments and stated he is not frauding me. He then proceeded to berate me some more at which point I hung up.
Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please help.
Accurate Debt Collectors stated my social security number to me and asked for my medical insurance membership number.
I opened my bank account in XXXX, I do remember. Back to XX/XX/2005 I guess. 
I recommend citi always. I do believe that your service is excellent so far. 
I still think you are the best till I received notice of account closing. 
Did not see that coming. Some warnings that caused I deposit and withdraw too many times with cash. I explained I earned and played XXXX. 
I also got money from my home town, XXXX XXXX. They wired money since I was a student in XX/XX/2005. Anyway citi closed both my checking and saving account. I accept that. But citi force to close my credit cards too. Did not even get a cashback 2 % for this month. No one explains clearly. 
Caller told me that I need to write down a letter. So I decided to write a letter. 
No one told me that I cant do lots of transactions because of I do have personal account. One of Branch managers told me that citi think that I do business with my personal account but I did not. Without warning or reasonable explain they just closed now. Now they tried to close my credit cards too. They never recommend me to open business banking account or explain I cant have many transactions with personal account. This is ridiculous and absurd. More disappointed than angry. I did not even hear answer for that whether I can open my account for the future. No one can explain anything. I did not anything wrong.
There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.
Chase Bank USA has pulled my credit now XXXX TIMES in the last year. I have contacted them after each occurrence to notify them that I never applied for a card with them. Each time the assure me the inquiry would be removed and it would not happen again. I have now received another denial letter dated XXXX/XXXX/17 ( Reference number XXXX ). I filed a complain with CFPB and it was showing as a dispute with XXXX? ( complaint XXXX about XXXX, XXXX ) It was supposed to be a dispute and report of fraudulent activity against CHASE. They should be fined, made to remove these inquiries and figure out what is the problem on their end that allows this to keep occurring.
I sold my current house an paid my loan off to Ditech. The title company ended up sending the check to the wrong address causing the payment to be XXXX days. I was n't informed till after the XXXX days that they did n't receive the payoff. I am now trying to close on my new house and ca n't because of the XXXX day late they refuse to remove that was n't my fault. The title company sent it to the wrong address they provided. I am now paying fees for my current builder to continue to hold home.
The company Prestige Fin appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX Servicing I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both XXXX and TransUnion Credit Bureau. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The XXXX /TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Equitable acceptance told me that they were part of  XXXX  student loan forgiveness and that my loan was going to be forgiven. They charged me {$40.00} a month to keep an eye on my account they took this out automatically every month when I checked my account a full loan was there and nothing I was paying was going towards paying it off. I was lied to entirely. I cancelled the automatic payments and received harassing phone calls multiple times a day for weeks. Whenever I tried to call and cancel my services with them they never answered or returned my messages.
I was exploring about purchasing a house and I called a person I knew at XXXX XXXX XXXX XXXX to inquire what I needed to get the process started and I was assured they would pull a soft inquiry and now it seems they pulled a hard inquiry using XXXX XXXX ( XXXX XXXX XXXX ) who on their website pride themselves are bring mortgage companies more closing. I have sent dispute letters on several occasions to XXXX with no success. 
XXXX XXXX XXXX from XXXX XXXX, 2016 XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Thank you for any help you can provide.
I have an American Express personal green card ( XXXX ), which is in good standing with AE, however, I am also the CFO of company XXXX XXXX XXXX out of NJ, I applied on behalf of the Company XXXX XXXX XXXX XXXX-I provided AE with the company 's TIN and instead they place my personal SSN in under the Account, thus making me personally responsible for the Company 's debt, thus freezing my own personal account with AE! I informed them of the error and included the fact that I never agreed or guaranteed liability of any debt incurred by XXXX XXXX XXXX and its ( if any ) affiliates, I am just the executor of the financial dealings of the company ( we even made arrangements to pay off the balance and get the card back on track as we hit by this years forces of nature ) - My personal Account should not be affective by the Company which i am just a representative of ( XXXX ).
Thank you in advance for your assistance in this matter XXXX XXXX XXXX XXXX XXXX
I had a loan with CitiMortgage dating back to XXXX. My family experienced some financial difficulty and had to file chapter XXXX bankruptcy, this dates to XXXX. Part of the agreement with the court was that XXXX would agree to modify the loan. After some trouble they were able to modify the loan and reduce the pricnipal balance by approx. XXXX. The stipulation was that they would agree to the principal reduction as long as I made my payments on time and each year on the anniversary they would take off XXXX of the balance off of my principal. The first yer went fine and they reduced my amount owed XXXX and change. The next year my loan was transfered to a different servicing agent. And then later in XXXX the loan was transfered again. So somewhere the information about this modifcation agreement got lost. I have the original agreement and I 'm sure if was filed with XXXX XXXX based upon the fact that my loan amount, term and rate all changed. My current loan servicer is not be very helpful. I sent an email to their depoartment with no response. My account manger says there is not direct number for the department that would handle this issue. I also wrote a letter to the compnay with a copy of the modication without any response. Now I am getting very frustrated as my principal reduction period is over and I may be looking toi sell the home within ghe next XXXX24 months. This would be a major issue when the pay off comes in XXXX higher than it should.
In 2017 I went into the store to make a purchase. I purchased merchandise that had to be ordered from XXXX a ladies store in XXXX XXXX, Il. when the merchandise arrived I was notified and went to the store and had the items returned by the store clerk. Before the items arrived at the store I was billed. When I had the store return the items I thought I would get a credit. I have been receiving bills with late charges and the account has been turned over to a collection agency. I have had numerous conversations with the store and I have spoken to XXXX the collection agency about the return. I continue to get a bill from XXXX and harassing phone calls several times a day from XXXX. I have no merchandise.
Please Help, I am current on my mortgage payment, I never made a late payment, I do not have any other liens or other mortgage on my property. I made a request to have the PMI on my loan canceled after making additional payment to bring the principal to XXXX loan to value. Now the bank is asking to send them a check for {$420.00} to have the property appraised if I want to proceed with my request. I feel this {$420.00} the Loancare is asking me is additional step that I should not have to take since I already met all the requirement to have the PMI removed.
On XX/XX/2018 deposit {$420.00} to my checking account, I printed the receipt with a balance of {$720.00}, next day I checked my bank application and for my surprised it showed four NSF, each one of {$29.00}. I called the bank and after almost hour on the phone the took one of the NSF charges, I called back after work and I spend two hours again on the phone, talked to a supervisor who also took two more of those NSF charges. That leave me only with one. I was asking the bank to paid the NSF charges and send a apology letter to my creditors on my behalf, but they didn't agree. I got proof of my balance before and after the deposit, also have shot screens from the bank app showing my balance. The person that I talked stated USAA is a we bank and they deposits after XXXXXXXX XXXX   are posted the next day, but he couldn't told me where in my contract this was, and like I told him isn't in the ATM for the customers to know. I'm asking for the refund of the NSF charges, and the NSF charge of {$29.00} refunded to my account, and the apology letter to my creditors. I have proof all the deposit, balance, the bank app who the person that I talked told me isnt correct ( surprise ), if that hey case, why bother. I always check my transaction on the bank app. 
Im asking for your help to resolve this issue Thansk XXXX XXXX