WillisBack/dataset-financial-user-claim huggingface dataset:
Servicer : Nationstar MortgageBank : XXXXAfter suffering financial hardship and illness in our family we applied for and were granted a modification. Unfortunately the new modified payment was almost exactly the same due to the limited terms our lender would accept. We felt we had no other options at the time so we agreed to the modification. With the payments still the same it was only short time that we were struggling again. We started the process of applying for another modification in XXXX of 2014 as we were told that our lender would have more options available. For the past year we have been in this circle of applications and them having us do things over. Finally in the spring we were apparently denied due to a net present value ( NPV ), the problem is they never sent us the denial letter. When had to have them send us the letter which was almost a month after they said the initial denial letter was sent. This letter said we could have an appraisal done on our house at our expense ( {$500.00} ) but it had to be within 30 days of the letter. We had the appraisal done but it was after the 30 days due to us never receiving the original denial letter. You have the right to appeal and so we did, we provided everything they asked for. Then they continued to prolong the process, they wanted a new P & L, then they would want different dates on the P & L, then they wanted us to sign the P & L, never did they provide specific instructions. While we were in the process we provided everything they requested immediately, they request that you upload documents on their website and then sometimes they would take a week to post them. All this time on our online account it was showing they had what they needed and then two hours later they would want updated paystubs etc. The same day I spoke to our designated contact XXXX who stated they had everything I returned home to find sale dates posted on our house. There was no communication to us that they were going to precede with a trustee 's sale to give us notice or a chance to find other options. All we were asking for is to work with us on different options. If we had been informed that we were not eligible to apply for another modification we would have taken steps in the very beginning to sell our home. We are in underwriting right now regarding the modification so how is it okay for them to push the sale date at the same time. They have made this process impossible and prolonged the situation to a point that we are in a much worse position than when we started. We have worked hard to get to a better financial position and we have paid nearly {$500000.00} towards our house with very little to show for it. All we have asked is to have the chance to sell the house if we are not eligible for any help and keep the little bit of equity we have to move on with our lives. If we knew that we had to sell we would have used money from our 401K to get caught up and at lease sell the home. 

We have hired attorney at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
XXXX XXXX XXXX XXXX XXXX XXXX has been invaliding reporting and account to credit bureaus for over 7 years ; this is not my account and does not belong to me for the last 7 years I have been in contact with credit bureaus and company to have this negative item removed overtime we speak they update/ renew collection account to remain on file longer. I have filed ID Theft Affavaidt # : XXXX which has been submitted to local police and credit bureaus. This account and all non account holding inquires need to be deleted from reports.
XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
On XX/XX/XXXX I paid {$560.00} to a XXXX XXXX XXXX company! A company that brought my debt from XXXX XXXX. XXXX XXXX   updated my report to show settled. XXXX XXXX are still not! And, are refusing to update there info. Plz help I'm am trying to improve my credit so I can buy my first home for my family thank you!
This Debt was paid in Full in XXXX of 2015. They are still reporting it as a {$0.00} balance but has not till this day changed that it was Paid in FULL and it 's closed. I have suffered and repeatedly disputed this from the XXXX credit buerus and still have not takin any action. I do n't understand why it takes a year and till this day keep reporting it as open and {$0.00} balance. I also asked for it to be removed because of the inaccuracy and they told me no
My only income is XXXX XXXX ( XXXX ). I bank with Navy Federal. On 5 separate occasions they have taken from my XXXX money to pay for my overdue credit card account. No other money is deposited in my account except for XXXX. This month they took money that I needed to pay the rent, and I could be evicted in the next few days. I have repeatedly told Navy Federal that all the money in my account is from my XXXX XXXX but they are tone deaf to my pleas. I thought it was illegal to take XXXX money for unrelated credit card accounts. Please help me.
On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
I tried to access my XXXX XXXX XXXX account to purchase Bit Coin. Capital One would not let me access my account.
Card member services call to offer me a lower rate. I have no card with them, and they can not identify me. Starting last year I have asked to be removed. They started using other phone numbers to call from. They have been using XXXX. Any attempt to talk to them they hang up. I have spoken to the women that has this number and she has given no permission for anyone to use her number. She said she was calling her phone company to register a complaint.
Filed a dispute with the credit bureau all 3, XXXX, XXXX and XXXX and the collection agency ( Waypoint Resource Group ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
I applied f or a Discover cr edit card on  XXXX  after seeing an advertisement promising a {$75.00} statement credit if a purchase was made on  XXXX  over {$1.00} within the fi rst three m onths of activation. I made the purchase and realized that the {$75.00} statement credit was not awarded as yet so I called the company and they told me that I would be receiving the statement credit on the  XXXX  statement.  XXXX  arrived and I still did n't receive the credit and now it is  XXXX  and I still have n't received the {$75.00}. I contacted the company and they told me that they were not aware of that promotion via chat. I called them afterward and the representative told me that I did  not qualify for that promotion.The Advertisement is still up currently and I believe that I was lied to. Discover is a very dishonest company and I want what was promised to me.
I requested a credit increase with my credit card company and that request was initially accepted. A few months later, I requested an additional increase and it was denied solely because they limit increases to once every 6 months. My credit is impeccable - 30 years without a late payment. The reasoning for giving credit and credit increases should based upon the history of the account holder, not some arbitrary window of time. I believe that Capital One has implemented this policy as a means to lower credit scores and make more money on the higher interest rates. It is clear that credit scores are based upon available credit and low balances related to that available credit, aka credit limit. I have watched my scores closely over the years and while I have consistently maintained excellent credit, I see those scores lower when more available credit is used. If I can not raise the credit limit, I run the risk of having a lower credit score even if I pay off all my credit 100 % of the time. This is truly a credit industry scam. Thank you for your assistance.
I applied for a Chase credit card specifically in order to use it for the no balance transfer fee and no interest on transfer balance for 18 months. I was accepted and instructed Chase with all pertinent information to pay off my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Visa account. Chase claims they have done this but the XXXX has informed me after repeated inquiries by telephone that they have no record of this transaction. Repeated requests for action from Chase via telephone and their online messaging system have gotten me a promise that I will receive a letter in the XXXX mail in 30 days with an answer to my request. This is unacceptable. Chase made a mistake and is not proactively fixing their error while I am, in good faith, currently paying off XXXX credit card debts.
I was asked for XXXX forms of identifications while trying to withdraw money from my usbank reliacard account. I felt as if was misled in simplifying money transactions accordingly to the website. Why would n't XXXX form of identification be sufficient to withdraw money ( state ID )? 
This happened at a US Bank branch in XXXX XXXX XXXX, MN. Physical address XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 around XXXX. I felt stereotyped because of my strong XXXX accent thus being the reasoned of why the banker did not give me my money.
I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at    JCPennys o n  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did . SYNB/OLD NAVY   XXXX / XXXX / XXXX  &  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from SYNCB  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
On XX/XX/XXXX I purchased an USED XXXX XXXX XXXX, on XXXX from seller XXXX. I received the miner around the first week of XXXX. Before I used the miner I  contacted the seller and expressed that the condition of the item should have been in better condition for the price I paid. He replied that I should have only bid the amount I was willing to pay, and that I had " buyers remorse. '' A few days passed and I set up the miner, on XX/XX/XXXX I contacted him through XXXX  messages again and told him one of the boards inside the miner wasnt working, and that one of the fans was damaged. He responded on XX/XX/XXXX he sent me a return label to my email and once he received the miner he would test it and send me another one. It was sent via XXXX and delived XX/XX/XXXX. 

Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX To make a long story shorter I misplaced the tracking information after it was delivered and continued contacting the seller ( several times ) through XXXX asking what the status of my replacement was. Last he told me he couldnt find my order, and needed more information. He had my order number, name, email and he sent the return label. I dont know what other information he could need. He has since no longer been in contact with me. 

I disputed the charge with XXXX, but they only offer a money back guarantee for 30 days and I was outside that window. They told me to go through XXXX since I paid through them and they offered a longer protection window. I contacted them several times. The first time I opened the case on XX/XX/XXXX. I was told the case was closed due to lack of information on my end. I reopened the case XX/XX/XXXX. The case was closed again. First XXXX said they couldnt track the return. I then asked to speak to a manager he told me the case was closed because the seller revoked the return authorization. Its very upsetting that XXXX wont offer any assistance in this situation. Thats why this service is used so that people dont get scammed like I have. The rep then told me that I should pursue my credit card company since I have no contact information for the XXXX seller. I opened a case with my credit card company as well, but they needed more information, once they received the information to support my case they told me too much time has passed and they cant do anything to help me with this case. 

Afgter
XXXX and Experian continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.
Credit bureau is reporting inaccurate information on my credit report. I have no contract with this credit at all. The creditor is trying to collect on a debt that has already been paid to the original creditor by my insurance company. The creditor can not provide any verification to me having a valid debt with their company. Also reporting is a collection that I have no contract with this credit in the medical field.
I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop
I have not received a final disposition of this complaint. Equifax is ignoring the Consumer Financial Protection Bureau. The original complaint is XXXX.
I closed a savings account at my XXXX, FL bank and received a certified check from them for the amount in my savings account, a little over {$16000.00}. I took that certified check to Wells Fargo in XXXX to open a savings account there. They told me they would give next day credit for only {$200.00}, hold {$4800.00} for 2 business days, and hold the balance, more than {$11000.00}, for 7 business days.
I deposited {$1000.00} into a Fifth Third account and paid a {$24.00} account fee solely for the purpose of establishing a trade line that would report as " Always Pays As Agreed. '' While I always paid the account on-time and as agreed, Fifth Third failed to properly report all on-time payments as well as the final account payoff to the major credit bureaus as agreed and as was the only purpose for the establishing of the accounts.
In previous disputes the credit reporting agency just investigated what was in their best interest, instead of what the consumer could prove, and they couldn't. On 15 separate occasions I have requested the name and address of the third party entity who provided the information to verify the listing of public record bankruptcies listed on my credit report, case no. XXXX, and XXXX, but in return never answered, instead just respond they investigated it and verified it, without answering the direct questions. In response to this scheme of the credit reporting agencies they added names that weren't mine, in order to support their reporting, while still not answering the questions asked. In furtherance of verifying that the items weren't mine, I contacted XXXX XXXX public records reporting agency, and they provided a letter verifying that the listed items weren't mine, but still ignored by Experian, just the typical response refusal of investigation based upon previous investigations, while still not willing to provide the name and address of the verifying agency, which they still refuse to provide whats authorized by law, the name and address of whom they said verified the existence of public records, but still refused or not provided. 

On XX/XX/18, in report no XXXX, the credit reporting agency, Experian finally did the lawful thing and removed all names that weren't mine, and in that performance, should have been obligated to remove all accounts associated with the names that weren't mine, but they didn't. In an explanation from XXXX XXXX, the name, and last four of the subjects social security number is placed within a computerized program for verification, and since all names that weren't mine, were removed, the accounts that associate with those inaccurate names should be removed as well. In complaint the credit reporting agency is violating the law by not providing the third party entity, the process of verification of such reporting doesn't adhere to the standards of the accurate credit reporting standards, in that last four, and last name isn't a true reflection of verification, and that in response to an inquiry with the us bankruptcy court, no record exist when considering the full social security number and my verified name.
I closed the account and recently found out they are sending statements to an OLD Address that was never on file. I closed the account ending in # XXXX which was also referenced in a past complaint with the CFPB. I just want the account closed as implied.
I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax XXXX
false advertisement!!! Open a new account in late XXXX and got approved 2 days later with {$250.00} bonus confirmed in the email ( attached ). I met all the requirements for the signup bonus. Ive also sent in the signature form and waited the 45 days as they requested. Sent a message online via message center and told me that I will receive a response within 14 business days. However, now it has been 20 days, I havent gotten the bonus still and no mail at all. Account number XXXX
On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. 

On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. 

I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. 

In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.
On XX/XX/2018 I recieved a notice that XXXX had pulled my credit report resulting in a hard inquiry. I immediately called in to alert them to the fact that it was a fraudulent inquiry and they agreed that the name and phone number on the application did not match my own. I asked them to remove it and they said that they would, but as of XX/XX/2018 there has been no change.
In XX/XX/XXXX Diversified Adjustment Services received a letter from me requesting that they cease all telephone communication with me. On XX/XX/XXXX, Diversified Adjustment Services contacted me via telephone. I informed the collector on the phone that I had requested in XXXX that they cease all telephone communication with me. She told me they have no records of an account from XXXX. I called back asking to speak with their compliance department regarding the issue on XX/XX/XXXX. I spoke with an XXXX who told me that they do not have a compliance department, then transferred me to her co-worker 's voicemail when I asked to speak to who 's in charge. I called back and spoke with a XXXX XXXX who told me that previous request to cease contact via telephone do not count for different accounts. Diversified Adjustment Services has violated the FDCPA by contacting me via telephone and providing me with misleading information. In addition, Diversified Adjustment Services does not keep accurate records of past collection accounts and correspondence with people they 've attempted to collect debts from. I DO NOT feel comfortable with them having any of my personal information. I have provided a copy of the letter Diversified Adjustment Services send me in XXXX, the letters I sent them, and copies of the return receipts they signed.
I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.