WillisBack/dataset-financial-user-claim huggingface dataset:
Please stop the Default / foreclosure process as my property is currently in default, and Nationstar Mortgage told me in a phone call on XXXX/XXXX/XXXX, that the foreclosure process shall begin on XXXX XXXX, XXXX. 
Please investigate XXXX ( XXXX ) separate matters : 1 ) Please investigate the criminal misconduct of Nationstar employees and their affiliates whom illegally intercepted and forged XXXX ( XXXX ) XXXX money orders which I mailed by certified mail, earmarked for my XXXX XXXX payment. Understanding the unsavory reputation of Nationstar Mortgage, I made copies of these money orders BEFORE I mailed them to Nationstar Mortgage, via certified mail. As a result, I retained the serial numbers of these money orders and was able to order copies of the 'processed 'money orders from XXXX showing these money orders had been altered /forged illegally and 'cashed ' for the personal benefit my Nationstar employees and their affiliates. Nationstar Mortgage has NOT provided a refund for these money orders, which were used for the personal benefit of Nationstar Employees and their affiliates, at my expense nor as Nationstar Mortgage provided me with a credit toward a future mortgage payment. Please provide an update regarding the investigation, as well, regarding the police report submitted on XXXX/XXXX/XXXX. 


2 ) Nationstar Mortgage deliberately omitted a 'principle reduction /debt forgiveness incentive clause ' totaling {$330000.00} ( {$110000.00} per year over the first 3 years of the loan ) from the loan modification agreement, that was explicitly stated on my Trial Payment Letter. 

3 ) Nationstar Mortgage is attempting to foreclose on my home by mismanaging federal funds from a federal program operated by the State of California, ironically called " Keep Your Home California '' ( KYHC ). In this regard, {$100000.00} from this federal program was wire to Nationstar Mortgage on my behalf, and posted to my account on XXXX XXXX, XXXX. Nationstar Mortgage provided explicit authorization for me to utilize these funds for future mortgage payments via email. To be clear, my last mortgage payment from my personal funds was made to Nationstar Mortgage in XXXX XXXX, as Nationstar Mortgage was made the payments from XXXX XXXX though XXXX XXXX, utilizing the federal funds from XXXX 

This agreement is well documented. To be very clear, written authorization was provided both via email from Nationstar Mortgage and reflected in Nationstar Mortgage Statements. I am told that Nationstar has applied a portion of these federal funds to the months of XXXX XXXX through XXXX XXXX, but is now refusing to apply any additional federal funds toward additional future payments. 

Nationstar Mortgage told me in a phone conversation on XXXX/XXXX/XXXX that I still owe mortgage payments for XXXX XXXX, XXXX XXXX and XXXX XXXX, such that on XXXX XXXX, XXXX, the foreclosure process shall begin for my home.
After disputing an extremely old out dated XXXX account that suddenly reappeared on my Equifax credit report, Equifax erroneously determined that the information was appropriate and verified that the information being reported was correct ( with, as stated by Equifax, " minor corrections '' ). This account was closed and discharged by XXXX close to a decade ago ( XX/XX/XXXX ) and has no business being reported on any of my credit reports. The payment information being reported by Equifax is an outrageous fabrication. Particularly, that I made monthly payments to this account from XX/XX/XXXX through XX/XX/XXXX and then there being reported that I stopped making payments starting in XXXX of XXXX through XXXX of XXXX. There has been absolutely no payment activity on this account during this period of time at all! Therefore, this is a blatant and flagrant violation of state and federal laws. To further prove their incompetent reporting, Equifax erroneously reports that the " Date of Last Payment '' was " XX/XX/XXXX '' and then also reports the " Date of 1st Delinquency '' as also being " XX/XX/XXXX ''. However, I have made no payments to this account for over a decade now and the account was closed XX/XX/XXXX.
I have repeatedly requested verification of the amount this debt. They have repeatedly told me that they would get it right in the mail. At one point, we negotiated a settlement on the account, and I asked once again for verification of the debt, prior to sending a check. They never sent me the information. Evidently they are n't able to verify this information. In the beginning, I tried to get them to send a monthly statement of account and they refused. I called and tried to work with them to no avail and I do n't want to end up paying for debt that is not mine.
On XX/XX/2019 i filed a dispute request for funds to be deposited to my account prior to the end of investigation. Then at XXXX XXXX i recieved a text stating there may be problem with my card and to call XXXX XXXX   so i did at which time i was informed their risk department closed my account because i was high risk they would not tell me why i was high risk and but they informed me that i can never have an account with net spend or XXXX XXXX ever again because they classified me high risk i requested to talk to supervisor and requested my disputed funds and half my monthly fee because they closed my account right after getting charges and any other funds returned to me and was told they could not do anything and that i would be contacted by corporater that same day but they would not provide me a number to corporate or risk management i received a letter saying my dispute was found in my favor and deposited into my account i have received no calls from corporate or any of my funds or a satifactory outcome from XXXX XXXX or net spend i also just ordered a card for my girlfriend on myx account and so she is high risk and can not open an account with them even though she has had account far longer than i
I purchased a vehicle on XXXX XXXX and got it financed through ALLY FINANCIAL with a monthly payment of {$230.00}. I was making all my payments to ally financial on time and from time to time I was paying XXXX or XXXX XXXX dollars extra. unfortunately on XXXX XXXX I was not in USA and was in my country on a family emergency and since I was paying extra every month I assumed I can pay {$180.00} and still be fine with my monthly payments and would not be late on my account. next thing I know I get an alert from my credit report agency that I have a 30 days late on my car payment. immediately I called up ALLY FINANCIAL and spoke to a supervisor and told him exactly what I just described and he promised me as a courtesy he is going to remove the 30 days late charge. Obviously they did not remove the 30 days late. since then I have been in contact with ALLY FINACIAL and had requested to send to me a copy of all the payment that I had made to them and how it was applied and also requested to send me when they had sent me a note to states they are going to report me to credit bureaus for a late pay.
XXXX XXXX XXXX, 2014 I obtain a FHA loan from Prospect Mortgage, LLC. The in-house counsel member XXXX XXXX XXXX committed perjury in her email by stating that my mortgage loan was not sold to the secondary market. XXXX XXXX is the counselor for XXXX who is a subservicer for my original lender Prospect Mortgage, LLC. Moreover, the manager for Prospect Mortgage, LLC refuses to send me a letter stating that my mortgage loan was sold to the secondary market via XXXX XXXX. When mortgages are bundled up in contracts and transferred to XXXX XXXX, the mortgages are sold to other investors as stock certificates to the secondary market. The borrower promissory note is converted over to stock certificates when there pooled together with other schedule loans. I was able to obtain this information from the Securities Exchange Commissions. In closing, I am currently seeking legal counsel because I have a lawful right to know who actually owns my mortgage.
I have notified the original creditor in writing that I'm on social security, which is my only source of income ; and that my icome is protected by law. My income can not be touched by any creditors. I continue to receive robo calls daily. In the morning afternoon and evening. the calls come in from the following area code XXXX with the following phone numbers XXXX   XXXX-XXXX,XXXX,XXXX,XXXX,XXXX. They also call me from area code XXXX from various phone numbers XXXX  XXXX-XXXX,XXXX,XXXX,XXXX and XXXX XXXX-XXXX. These calls keep commingin and changing every time I block their call. The phone will ring 3 times and then disconnects.
ON OR ABOUT XXXX, XXXX XXXX HAS BEEN REPORTING MY VEHICLE AS A REDEEM REPO IN CLOSED ACCOUNT ON MY XXXX CREDIT REPORT. THIS INFORMATION IS INACCURATE, IN I WOULD LIKE FOR IT TO BE UPDATED AS SOON AS POSSIBLE. I 'M TRYING TO PURCHASE A HOME, IN THIS INFORMATION THAT THEY HAVE BEEN REPORTING IS REFLECTING NEGATIVE ON MY CREDIT REPORT. PLEASE HAVE THE COMPANY REMOVE THAT NEGATIVE REMARK. THANK YOU
I have been informed, that there is a public record reported by ( United States Bankruptcy Court, XXXX XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an Equifax representative, was your claim to verify information at the United States Bankruptcy Court XXXX XXXX Of California. I have contacted the United States Bankruptcy Court XXXX XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Equifax, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
I have sent several letters to the three reporting agencies and to XXXX about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called XXXX on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? XXXX should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
A numerous amount of times I have tried to get through to Equifax to freeze my credit as I am one who have been affected by the beach ... I call Equifax on XXXX after failing to be able to freeze credit online ... I was able to answer security questions from my end, i spoke with an employee who handled the cares I needed as far as wrong info on my credit report, as she turns me over to the credit freeze department they refuse to allow me to freeze my credit without having to send in a picture of via u.s mail. I explained to the employee I was one that was hacked and she agreed and all I wanted to do was freeze it instantly she refused and told me to send in picture of via mail.im not happy with that as they are the reason I tried to freeze credit.i was n't comfortable with sending personal info in the u.s mail.how can this be so, a company that allows your hidden personal info to get out and now they demand you send picture i.d in the u s mail to get damaged by identity even further??? that rule does n't make sense.also they are clearly negligent in how they handle anyone 's personal info via the procedures that they use..why should I allow someone so wreckless to be the judge of my life and everyone else 's???
On XXXX XXXX, 2016 I took advantage of an offer on XXXX to " Earn a {$100.00} Statement Credit and XXXX Bonus Miles '' when I " Apply for the XXXX XXXX XXXX Credit Card from American Express. '' The offer, which expires XXXX/XXXX/2016 is still posted. American Express gave me only {$50.00} statement credit and refuses to allow me to submit screen shots as proof and refuses to allow me to " dispute '' the amount. My billing period has since closed and I am responsible for owing an additional {$50.00} which should have been part of the {$100.00} credit. They opened a case for which they will not allow me to submit proof, and said it will be resolved in 6-8 weeks ( AFTER I will have paid the additional {$50.00} ). Delta has acknowledged that the offer is still posted and gave me a {$50.00} airline credit toward a future flight, but advised since AmEx is the card issuer/bank, I must get the additional {$50.00} credit from AmEx. AmEx says I must get it from XXXX. XXXX at least listened, acknowledged and took action. AmEx has refused any responsibility and has told me 1 ) I am mistaken ; 2 ) perhaps the offer was n't valid when I applied ( even thought I have a screen shot ) ; says it is none of my business whether or not this has happened to many OTHER customers who applied for an AmEx card via the same offer. AmEx still holds me responsible to pay the extra {$50.00} on my statement, and will not suspend it until the case is resolved. Amex will also not record it in my online credit card profile to show that there is an open case. This seems at the very least to be unethical trickery by AmEx. I hope their investigation includes ALL customers - not only those who complain - who have been cheated out of {$50.00} on their AmEx statement. {$50.00} x many customers can potentially add up to a lot of money making AmEx richer while their customers get cheated. Please help!
Rushmore flagged my account and has not allowed me to make payments. Rushmore states missing documents from loan modification even though I have all documents. They were faxed on XX/XX/XXXX. Seen XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. Judge ordered Rushmore to unflag my account and allow me to receive a modification. 

Account is still flagged. Now Rushmore is in defiance of a Judge 's order.
Behind on payments, moved to a different house, listed house with Realtor, had two different offers and both offers fell through due to buyer 's lender 's underwriting requirements that came up 30+ days into the sale. Offers fell apart. Realtor tried to get M. & T. Bank ( lien holder XXXX ) to pre-approve a Short Sale but bank refused said not allowed. During the process of trying to work with M. & T. Bank on both offers, various employees of M. & T. Bank had different information on the process, took weeks at a time to respond, refused to work with the Realtor ( even though all forms were submitted to give permission to work with ). No straight answers, no person capable of making decisions about offers were ever available to speak with, no email addresses ever available nor direct phone numbers. When calling M. & T. Bank it was a circular phone message no parties ever answered. The bank denied even knowing the company they hired, XXXX XXXXto assist with Sale. XXXX XXXX ( XXXX -- XXXX ) said always have to deal directly with M. & T. If was a " Circle of Nothingness '' Any person that you could reach by phone was unable to make a decision and they required an offer in hand before they would stop the clock ticking on the process.
There is nothing that can be done by my student loan servicer Nelnet regarding this issue. I have n't actually had any problems with them as of yet, my concern is with my loan itself. I graduated in 1995 with a {$24000.00} loan. Not bad really. However, since I was often well below poverty level income-wise I have never been able to make payments. If I had known that my {$24000.00} loan would balloon into {$66000.00} I would have starved for a year or XXXX in order to pay that off. In fact, I would starve for a year or XXXX to pay off the original amount of {$24000.00} now. But, I ca n't even fathom how I am going to be able to pay off {$66000.00} and counting anytime in the near future. I make {$1400.00} a month after taxes, not even enough money to move out of the XXXX studio apartment I live in with my boyfriend and occasionally our children who ca n't live with us because we live in a studio. It makes me feel hopeless. What is all that interest for anyway? Would n't they be happy with a full payment of the original amount instead of no payment for the hopelessly inflated amount? There should be some kind of cap on the interest charged, instead it is just growing and growing with no end in sight. I will probably be dead and pass that debt onto my family. 
( The drop down box is freezing my computer for the school choice. I attended the University XXXX )
I recently had a change in mortgage loan servicer. The new company named Seterus has acted very predatory. They have placed collection calls to me if the payment is not made on the first and I have always paid within the grace period by the XXXX never a 30day late payment. When I have complained to them, they say I can request only in writing, for them to stop calling. A written request from me is the only way they will consider avoiding this horrassment. When they first took over service, without any notice they dispatched a local contractor to enter my home, change the locks and remove my belongings. Needless to say I was alarmed! The XXXX guys at my door showed me showed me Seterus work order and gave me an XXXX number for a service contractor based in some other state. The contractors would not give me there names or provide any identification. I have everything documented for this action. The latest go around with Seterus involves unjustified charges on my loan account. They told me on the phone that I could stop the collection of property tax escrow ( not a requirement of the note ). Again the request must be in writing and they gave me a persons name a fax number to send. So I produced a written request and faxed it in early XXXX. Three weeks later they wrote back and said they were processing my request. On XXXX XXXX I made a regular payment for P & I but did not include an escrow amount. So today I got a call from Seterus again, this time demanding the escrow amount and a {$65.00} late fee. XXXX their representative never stated their statutory legal statement that they are a debt collector, but she did go on to affirm that they recieved my payment however she would not refund or strike off the late fee charges. XXXX put me on long holds at least three times and said she was trying to clear up the escrow issue. Again the standard statement was : that I could send them a written request to write off the late fee. Instead I told XXXX a representative of Seterus not to call me for any reason unless my loan is thirty days past due. I further stated that we are in dispute and it should be resolved in writing, " therefore I stated '' " do not call me for any reason, unless I am more then thirty days past due ''. She replied " they will continue to call every five days ''. I did n't think it was legal for a debt collector to act this way. Hence my description " preditory ''
Bank of America closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination.
My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. 

XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. 

I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.
My father open a certificate of deposit with XXXX XX/XX/XXXX naming me as the POD, I have rec 'd interest earning statements up until XX/XX/XXXX nothing after that date. XXXX was acquired by PNC Bank in XX/XX/XXXX. My father passed in XX/XX/XXXX. I put all of his personal papers away. recently i was cleaning and came across this paper work and started my inquiry with PNC bank only to be told that no records exist and I should check with the XXXX unclaimed property office and XXXX office. I called both offices with no results. I furthered my research by visiting a branch of PNC bank. my inquiry was taken and forwarded to the Regional branch Manager, who was to contact me regarding this account. That was on XX/XX/XXXX. I have yet to receive any communication. my calls back to the branch I visited only get the same response. The Mgr. will call you. No response.
Hello, My name is XXXX XXXX and I currently have a credit card with XXXX XXXX. Back in XX/XX/XXXX I paid off the entire balance and have never used the card ever since. About a month and a half ago, I received an alert from XXXX XXXX that my credit score dropped, I was horrified - I checked and found out that I have a delinquent payment for XXXX dollars plus a late fee of about XXXX dollars, I thought someone was assuming my identity since I knew that I had a XXXX balance. I called XXXX XXXX immediately which was about 2 months ago and asked about the charges, upon review it was noted that the company made a mistake and billed me for fees erroneously. I asked about what will happen to my credit report and was told that in 30 days it will be corrected. Till today, this is still on my report and to every time I call to report to XXXX XXXX over the phone I am told that I need to be the one to petition a removal from my credit report. Please help me with this situation because I feel helpless and with my credit score falling so low, I dont think I will be able to get a car like I had planned because of my score. Please help me.