WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar mortgage has disrupted my credit because they state that in XX/XX/2015 I missed a payment. I never missed a payment. Between XX/XX/2015 and XX/XX/2015, my payment changed because Nationstar states that my loan went from an interest only loan to a principle and interest loan. I made my usual payment of {$3200.00} in XX/XX/2015. What I did not know is that Nationstar put that money into suspense and did not apply it to the loan because they do not accept partial payments. When I received my statement in XX/XX/2015, I noted the increase in required payment adjusted my payment accordingly. At the time, I was remodeling the home and I assumed that the increase in payment was to cover additional escrow because the taxes and insurance went up. I never thought any more of it and continued to make the new payment ; actually paying more than the required payment. ( This is a practice that I have always done with all of my loans ) Nationstar never notified me in writing, email, or by phone prior to XX/XX/2015 that my payment would be changing in XX/XX/2015. They state that they tried to contact me in the month of XXXX, but that my phone was disconnected. That would not seem plausible since, as a surgeon, I would never not have a working number. Even if they had tried to contact me, it would have made no difference because I already had corrected the payment. At the time, there was more than sufficient funds in escrow to cover the {$600.00} difference that they said that I owed, but they did not apply those funds. Instead they put the {$3200.00} into suspense and did not apply it to the loan. I never discovered any of this until I started the process of refinancing my home. Now, Nationstar says that they can not amend the report. This is disrupting my credit and making it difficult for me to refinance the home. At XXXX years old, I have never declared banckrupcy, short sold a home, or missed a payment in my life!! This is a mistake on Nationstar 's part that is affecting me. I find it hard to believe that they can not amend their report based upon all the evidence available. I think that this is fraudulent and shameful. Moreover, I believe that legally, Nationstar should have notified of the payment change. Had they done so, I would have adjusted my payment accordingly and this never would have happened.
The following are duplicate/incorrect hard inquiries on my credit report : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I.C Systems is attempting to collect a debt on an account that I have no knowledge of & that is not mine. I also notice that the balance information for this account keeps fluctuating on my credit report.
Repeating phone calls to my home, asking for payment. I have told them I do not have an account with Wells Fargo and my birth date and social security number are different. Please stop calling me for collection. I was told they would stop, several times. I have received 27 more calls from Wells Fargo since XX/XX/2018 : ( from XXXX ) XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX & XXXX XX/XX/XXXX @ XXXX ; XXXX ; XXXX ; & XXXX XX/XX/XXXX @ XXXX ; XXXX ; & XXXX
My name is XXXX XXXX XXXX and I opened a PayPal account and i became an American citizen about 20 years ago, so my XXXX name is very difficult to pronounce. I made a PayPal account to receive a few payments and when I did, I didnt think too seriously about the name since it was digital and since the bank that would be verified would be under mine, so I used my daughter and sons name as " Name '' section when I opened the account. I received about {$700.00} into my Paypal and even upgraded to a Business account. They put a limitation on my account and said that I needed to send in all these documents to confirm my identity and my business. I sent them ALL the documents needed. They denied my request and will not let me close the account or withdraw my money. The email account linked to the paypal account is XXXX. It has been about 2 weeks since they put a limitation and I do not know what to do anymore. Please help
Ability Recovery Services put a collection note on my credit report. I never received any notification from the original creditor or ARS about an y debt being owed. My address and phone number are public and listed on all three of my credit reports. The address and phone numbers listed on the credit report for this debt collection agency are not valid.
I have never had a bank account with Wells Fargo. They claim I owe {$250.00} but they can not tell me why I owe that money.The debt collectors can not tell me why they think I owe them money. They kept asking me for my Wells Fargo account number, which since I never had an account, I can not give them. I called Wells Fargo, gave them my last XXXX of my social security number, they did a check and decided I did not owe that money. They referred me to their check fraud claims department and they want my full social security number and that I fill out an affidavit. I have no obligation to do anything for them because they have not proven I have a debt or given any real explanation for any debt. I have written them letters explaining myself but they still threaten me with closing " my claim '' if I do n't fill out their form within 20 days. This is personally identifiable information which they have no right to. I would fine them for unethical behavior and not give them my driver 's license or social security number.
I contacted the company I.C System via certified mail to verify a debt that is showing on my credit report since XX/XX/2017. It has been 30 days and I have not received any information verifying this is debt is mine. It has however been deleted from 1 of 3 reports due to my dispute with credit bureau.
I received an email from XXXX offering a free credit score report. When I replied and thus submitted the request I unwittingly must have agreed to a continuing charge, etc. which was hidden in the usual flabberjabber but which was not clearly stated or I would not have submitted the request. I only discovered this when I found a {$39.00} charge on my Chase Freedom card. They have made cancelling the " membership '' difficult by not providing for an opportunity to cancel online and have only provided a telephone number with limited hours. According to online complaints actually canceltion is often ignored. 
I received an email from them on XXXX which I did not read telling me that I had until XXXX to cancel the membership of which I was not aware or desiring.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not something the victims should be responsible for.
I 'm serviced by Navient, I was required to start paying back my loans before I had actually graduated a year after take a leave of absence form school because of the economic downturn at a time when I had only XXXX class left to matriculate. Navient encouraged me to use forbearance during this period when I might have been directed to an ICD or ICR payment plan. I would like Navient to be require at minimun to be responsible for the increase of debt/payments resulting from this.
DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME? 

I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID. 

THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES
My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX
This company, National Credit Adjusters, keeps calling me and my family members. They are telling my family that I 've skipped out on a debt owed and they need help locating me. That 's embarrassing, plus when they tell them to stop calling, NCA, informs them that they have every right to call and will not stop until they locate me. I 've talked to NCA and informed them that I 've already paid the debt to the original debtor and I have proof. The person I spoke with said to send it to them and I did. He gave me the email address of XXXXXXXXXXXX. I have documentation of that as well. After sending him the information, I told him to stop calling me and my family and he said he would document it. But the calls have not stopped.
In XX/XX/XXXX I applied for a Lowe 's credit card to pay for a renovation. The card was to be without interest for XXXX months. I never received the initial credit card from Lowe's/Synchrony Bank, XXXX XXXX XXXX, XXXX, Ga XXXX and a XXXX card was sent to me. I began receiving statements for the XXXX card however I was being charged interest. When I advised them of this problem they began transferring interest charges from the old card to the new card. In XX/XX/XXXX they said my balance was {$12000.00}. I calculated my balance to be {$10000.00}. I would crack quested that they give me a payoff amount and they said my payoff amount was {$12000.00}. I contacted them and asked them to tell me why my balance was that amount. They did not reply and I felt I did not have to pay the monthly charge that they were asking because the balance was incorrect. My monthly payment for XXXX was {$230.00} Which should have not have been that high. I did not pay the {$230.00} and now they are asking for a minimum payment of {$490.00} and charging me {$100.00} on interest and {$25.00} in fees. I want to pay off the entire balance of this credit card and I feel that they are not cooperating.
I was pre approved for a mortgage loan on XX/XX/XXXX. I kept getting educational emails from them  while I was in the process of looking for my home. When ever I had a question I could not reach the lender right away. I would not hear from the lender not until a week later. I let my lender know.this was my first home. There was a lot about the process that I did'nt know. I asked my lender about 2 months in advance if he could find me a down payment assistance program.He told me that he was looking into and he will get back with me. It was about a week before closing and finally after me leaving several messages his secretary calls. She told me that XXXX XXXX will be giving me a call. XXXX XXXX called me and told me that he was not able to get me the XXXX for the down payment. I lost the contract on the home. My family is still in the process of looking for a home. Also my credit was pulled back in XXXX by this company to get pre approved. I received a pre approval letter stating my credit score and all documents that I turned in, proof of income etc..was good for 120 days. My credit was pulled again by this company on XXXX to qualify me. This I did'nt understand do to what the pre approval letter stated. There was some changes in my score from XXXX XXXX XXXX. My score dropped since the first inquiry. I feel like I should have been notified immediately that I could not qualify for the down payment assistance so that I could have went another route. Also, the 120 days that was stated on the pre approval letter was not over before they checked my scorces and documents again.The company name is Residental Mortgage Services ( RMS ). They are located in XXXX, Md. My lenders name is XXXX XXXX.
I applied for and was approved on XXXX/XXXX/16 to receive the American Express Platinum charge card with a XXXX membership rewards point bonus for spending {$3000.00} in the first 3 months. I had met the minimum spend requirement and received the XXXX point bonus on XXXX/XXXX/16. My account was then adjusted and removed the XXXX bonus points on XXXX/XXXX/16. I have called and contacted American Express membership rewards program, and they have cited that I placed spend on prepaid or re-loadable cards or other cash equivalents. I contend that I met the minimum spend without violating the terms and conditions, and the bonus XXXX points were wrongfully removed from my account.
XXXX XXXX XXXX reported items to my credit files as they should be Bill to the state of Florida Medicaid program through the hospitalper the information provided by personal at the time at the hospital.
I discovered on XX/XX/2018 that my Citibank checking account is blocked. I am unable to use my debit card at ATM or make a ACH transfer of the funds. I called Citibank customer service as well as Citibank fraud prevention departments where I was notified that my account is " on hold '' for the reason they are not allowed to discuss. I called again later and talked to XXXX from Citibank XXXX in TX. I underwent a scrutinized quest by XXXX that included some phone numbers that I have abandoned 10-15 years ago. I was given 1-2 seconds to think to recall this numbers, like I have to remember them after abandoning years ago. After that quest XXXX stated that I failed to pass their security check and he is no longer able to discuss any matters related to my account. Later I called Citibank additional time and again was not able to get any meaningful instructions on how to unblock the account. At this point Citibank advises me to visit their local office in XXXX XXXX, CT, where I opened the account, to resolve the issue. I explained to the Citibank representatives that I am a USA citizen living abroad in XXXX, XXXX and I am not able to visit any Citibank branch in the USA at the moment. Citibank should provide a clear and meaningful instructions on how to unblock my account, so I have an access to the funds. Visiting Citibank US branch is not reasonable since I reside in XXXX. Citibank has a local branch in XXXX, XXXX where I reside, so if Citibank will call that branch to setup an appointment that will resolve the issue. I expect US Citibank fraud prevention department to set up an appointment at the Citibank local branch in XXXX, XXXX for my visit to take the necessary steps to unblock my account.
The original creditor i s Citi/CBNA-  XXXX   Store Card. T he problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of Citi/CBNA. On the  XXXX  report it shows the chargeoff done in  XX/XX/XXXX   , on the   XXXX report it show s that i was in good standing with them during that time. It also has no close date on   XXXX   or   XXXX  . No high balance recorded on  XXXX  or  XXXX . No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all three credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them on  XXXX  to have the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You
In XXXX I purchased aXX/XX/XXXX dodge ram truck, at the time we lived in XXXX XXXX. I was financially stable to make my payments, in XXXX XXXX my daughter gave XXXX to XXXX in XXXX XXXX they were 3 months early, they were in XXXX.my wife and I had to move to XXXX XXXX to help take care of our other grandsons who were XXXX and XXXX my daughter had to stay XXXX. well I took a job with a guy and he paid me fine to start and then he did n't and I had to call Chrysler and surrender my truck in XXXX XXXX
I have a debt collection company trying to collect a debt from XX/XX/XXXX that they purchased from a credit card company. They went to my home state of Louisiana and got a judgement to empty one of my bank accounts without serving me any papers to go to court. and are threatening me now in the state I live in. the debt is 12 years old and past the statue to collect on. and further more XXXX passed a federal law against collection companies doing this in XX/XX/XXXX. Please help me with this matter
I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.
In XXXX, I started an account with XXXX in order to begin my credit repair journey, they dispute collection accounts on your behalf.They sent my initial dispute on the validity of this alleged debt to XXXX XXXX XXXX I received a letter ( attached ) from XXXX   XXXX XXXX on XX/XX/XXXX, with no proper validation listed. I then sent my second written request for validation via USPS Certified Mail ( # XXXX ) on XX/XX/XXXX. Delivery confirmation was sent to me on XX/XX/XXXX. I have yet to receive any further correspondence with XXXX and it has now been more than the necessary 30 days.
Equifax has an old loan that was taken off my credit. Every month something new keeps popping up only on Equifax. When I email them I don't get a response. My credit score continues to DROP with them and grow on XXXX. The difference is around 50 points. They were hacked, I was included, and I still have a horrible score with no movement. I opened 2 secured credit Cards using minimal amounts to work on my credit after a horrible divorce. It's doing wonders for Transunion and still being decreased by Equifax. Something is seriously wrong! I've read the complaints, there are so many. Looks like no one investigates this thoroughly.
On XXXX I sent a letter requesting information about a loan payment increase due to an escrow shortage. But, I my pmts were misapplied as mortgage pmts and I dont have a shortage. I also asked about my pmt history report. The company said the have 60 business days to respond, but have not and I have applied for a HARP loan that can not move forward until I get these issues resolved. They keep telling me they escalated the issue, then at end of the 12 weeks, I get a letter stating they need more time. But, 60 business days equals 90 calendar days and I still have to pay the aditional fee for the shortage, can not get my HARP refinance, and cannit get anyone to explain why it is taking so long to send the information requested and fix an escrow pmt error.
I disputed the following account on my TransUnion credit report, since I had no knowledge of it : XXXX XXXX. 
TransUnion " verified ''. 
On XX/XX/2016, I requested a reinvestigation, asking for specific information about this account. This request was received by TranUnion, and signed for on XX/XX/2016. 
TransUnion once again " verified ''. 
I contacted XXXX on XX/XX/2016 asking for verification of this account. The letter was received and signed for on XX/XX/2016. 
As of today, XXXX XXXX, XXXX has not replied. This exceeds the 30 day limit. 
TransUnion obviously " verified '' without contacting XXXX, and then " verified '' AGAIN when I asked for a reinvestigation. 
Since TransUnion obviously did not contact XXXX and can not give me any evidence proving this is my account, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.
On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.
Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.
This Company by the name of ProCollect Inc keeps on calling me regarding a debt that is not owed by me. I had asked them to stop calling me because I am not the person they are looking for. They promised they would never call me again and today they called again.
I am being contacted by XXXX XXXX XXXX about an account that is not mine. I have advised them several times that the account is not mind as I am a victim of identity theft. I have filed a police report can advised them of the same. However, they continue to contact me by phone and harass me into giving them a payment.
On XXXX XXXX, XXXX I had an erroneous collection account deleted from all of my credit reports. On XXXX XXXX, XXXX I see the same debt but it is being reported by the different company, so on the same I submitted a dispute through all XXXX credit bureaus and only on of them removed the debt because they could not verify the debt belonged to me. XXXX and XXXX are allowing Sources Receivable Management to erroneously report this debt as verified on my credit reports. All they did was acquire this debt from another company and are re-reporting false information. I sent a validation of debt letter and all I got in return was a letter telling me my name was on the account. This issue from this company is causing me a lot of XXXX.