WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage has told me 3 times over the phone that they would reverse a late fee charged to my account back in XXXX. Last XXXX, I was hit with a {$64.00} late fee because my electronic payment from my bank was delayed XXXX day due to a holiday weekend. Nationstar applied the additional principal I pay on my mortgage each month to the late fee until it was paid in full. I told Nationstar it was not fair to charge me a late fee because the bank was closed on a holiday. They told me in XXXX it would be reversed ( This was my first late payment since the account was opened in XXXX of 2013. My payments were all auto payments from my bank from the beginning. ) and as of today they have done nothing to reverse the charge. They keep stringing me along whenever I call or e-mail about the fee reversal I was told would be done telling me that they are reviewing the issue and will give me an answer the next month and they do n't.
Debt firm purchased medical debt for XXXX on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every XXXX from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
Due to the transfer of the Fidelity Rewards credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to Elan Financial Services, I was no longer able to access my account online and retrieve my online statements and pay the bill. XXXX no longer had records of my account and I had trouble logging into Elan Financial Services. I had a past due amount of {$9.00}, but a late fee of {$10.00} was imposed instead, which violates the CARD Act amount of the late fee equaling minimum payment due ( which would have been {$9.00}, not {$10.00} ).
on or about XX/XX/XXXX, I contacted Ditech with regards to applying for a HARP on my first mortgage. 

Ditech is the servicer for my first and second mortgage. My first mortgage is owned by XXXX XXXX. 

On or about XX/XX/XXXX, Ditech informed me that the subordination review on the second mortgage was requesting and appraisal or a XXXX XXXX XXXX ( XXXX ). I contacted a licensed Realtor in the XXXX area and they completed and submitted the documentation to XXXX, my Ditech Loan, Processor. 

I continued to stay in contact weekly with Ditech via my personal email account. I spoke with supervisor in XXXX about my concerns of the continued delays of the HARP refinance. I was communicated that it would be reviewed and things rectified to move things forward. Ditech services the second mortgage. 

I am now writing you on XX/XX/XXXX, as I was informed earlier this week that the XXXX was not accepted in the format submitted which was reviewed with Ditech prior to the submission in XXXX. 

The impression I am getting is that Ditech does not want to approve my HARP on my first mortgage. The subordination will not jeopardize the mortgage position of the second. I have met the underwriting guidelines, credit score, HARP requirements and I have agreed to pay 2 points given the combined loan to value calculation inclusive of the second mortgage ( which was addressed in my bankruptcy ). 

I am at a loss and have some frustration.
Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

The list of things they do goes on and on but this is enough. After searching XXXX, this seems to be a common practice of this company. Also, refused to tell me who they were and why they were calling.
Terms of opening account were {$200.00} for making XXXX bill payments. Never received, company representatives have told me I should have received it already.
Balance for XXXX Account # XXXX-1 incorrectly display account details and % rate details.
I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
i did not receive a right to dispute letter from them within 5 days of beginning collection NOR have I received evidence from them that this debt is in fact mine. I have asked them repeatedly for over a year! This is obviously how they treat consumers and their rights. I have been asking this collection agency since XXXX/XXXX/2014 to validate the debt they report on my credit report and they refuse to answer while they continue to verify and report on my credit report. I have tried to look them up on the licensing board but I can not even find out if they are licensed in this State. 
I 've asked them simple questions which they do n't answer any of them. They obviously do n't care about following consumer laws. 
They are damaging me financially. They are the only collection on my credit reports and they are stopping me from getting credit that I need.
I initially submitted a CFPB case that received extremely vague responses from Wells Fargo Home Mortgage. After submitting a follow up complaint to obtain answers to the specific issues, Wells Fargo sent a letter to me and to the CFPB that referenced the original complaint, and the bank declined to address any of my concerns, as it dodged the questions via a loophole in the CFPB system. 

According to Wells Fargo, the bank can provide generic and boilerplate responses, while exercising its ability to plead the Fifth Amendment, if subsequent inquires are made. 

The bank is completely aware of its abuse of the process that the CFPB maintains to avoid duplicate responses ; however, my original complaints were never answered. 

I asked Wells Fargo for a chain of title that reflects the title history and the validity of the title status for my home. The bank said no, we will not supply any information that verifies whether our actions has clouded the title to your home. 

My loan was sold from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Several fraudulent mortgage assignments were drafted, signed and entered into local court records, thereafter. But, an assignment of mortgage that Wells Fargo used to obtain a judgement was not devised until XX/XX/XXXX. 

After selling my home loan in XX/XX/XXXX to XXXX XXXX within a securitized transaction, Wells Fargo resurfaced along with XXXX XXXX XXXX XXXX XXXX to fabricate an assignment of mortgage in XX/XX/XXXX ( 5 years after selling the note ) to obtain a judgment and toward the prosecution of a foreclosure, " for a loan that it had already sold. " I want justice for my family. Please hold these bank accountable for the pain and suffering that my family has endured as a result of this ongoing charade. Since this bank does not want to cooperate with me, I am asking the CFPB, the OCC and the FDIC to investigate the merits of my complaint much further, and to enforce greater oversight of these licensed banking entities that continue to dupe consumers, as well as regulators. 

Also, I want to be considered for monetary compensation, class action lawsuits and for predatory abuses that I 've experienced since the inception of my loan origination with Wells Fargo Home Mortgage.
I requested verification on the alleged debt Portfolio Recovery is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof Portfolio Recovery could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back. 


On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
debt collection agency calls multiple times a day using different numbers, has called at XXXX and XXXX multiple times after ive already told them the time. they have have been completelt obnoxious and no regard to consumer contact laws. it is against the law to call outside of XXXX and XXXX and they know this. They also are aware of the times they call because they have my current address on file and know i live one the XXXX
This dispute is in regards to an incorrectly reported collections account on my credit report by the XXXX XXXX XXXX XXXX starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the XXXX XXXX XXXX XXXX to remove the items from my credit report but both the reporting agency and the XXXX   failed to remove it. I was pulling GI Bill benefits from the XXXX to go to school and then graduated in XX/XX/XXXX with no correspondence from the XXXX  in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling XXXX benefits once I graduated. My contact information with the school had been updated immediately and since the XXXX was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the XXXX  would remove it from my credit report. The XXXX nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the XXXX remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the XXXX for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the XXXX and money being taken away from my pay checks. I believe the XXXX  did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The XXXX is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of god remove this from my credit report. Thank you very much, for the third time.
I had a Citibank Mastercard opened around XX/XX/XXXX. I'm thinking several years after I had my Mastercard with Citibank and some other accounts that I had. I had to file bankruptcy do to being unemployed at the time. While within the last 2 weeks I had applied for a secured Mastercard with Citibank and they denied me because I filed bankruptcy in the XX/XX/XXXX. I assumed after a person credit reports were cleared that they can we apply for credit again, and even if it's with the same creditors. 
How can a bank still hold something against a person something that happened over 20 years ago.
During the summer, I deposited {$750.00} in this American Express Serve account from XXXX XXXX checking account. In XX/XX/XXXX of this year. I got an email stating my account was being permanently suspended. I could then no longer look at my account on line. So Not sure of balance I called them and was told the account was suspended due to " funding source. '' He would Not explain any further. I then cut my card and wrote to their main office in XXXX XXXX asking for explanation. Received nothing. I believe I had a few hundred dollars on the account. But had n't looked for a time. I called again today and got that it was a fraudulent deposit from XXXX XXXX. After thinking about it, I had automatic deposits of {$75.00} for several years. And, coincidentally, I had to open a new account with XXXX during this time. So, the only thing I can think of is one of those autimatic deposits must have been made from the closed account. What a Poor way to handle a good customer ... ..IF that is what happened, I made a mistake ... .NOT FRAUDULENT EVENT. They did n't even check with me like most businesses. That was Just wrong!!! And, I do n't know If that is What happened!!! And, They said I have No money. How do I know that They difnt keep it for FEES. 
They Just cut me off and added on the phone today " You may never apply for an American Express card '' who would want to!!!
I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a XXXX? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track fed ex.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new XXXX to maked good, but only ater lost of service.. we bought ddition protection XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on XXXX same day to our XXXX XXXX XXXX collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
Between the dates of XX/XX/XXXX and XX/XX/XXXX, My Barclay XXXX Rewards card was used for unauthorized purchases. The credit card was taken from me without my knowledge. Prior to these charges, the card had not been used since XX/XX/XXXX. The card was take without my knowledge or agreement by a minor living in the same residence as me. I disputed these charges with Barclay within the 30 days, of them being billed. It was only after a received a call regarding a payment due, that I became aware that the card had been taken from me. Barclay denied my fraud claim as a domestic issue. I then wrote a formal complaint letter on XX/XX/XXXX to the Senior Customer Experience Manager at Barclay. Barclay then sent a letter, dated XX/XX/XXXX, stating that I communicated account information to another individual and I allowed that individual to use the account. I never gave such authorization for anyone to use my card nor did I provide account information to the minor child to use my credit card account. It was not reported stolen within 48 hours, since the card had not been used for a prolonged period of time and I do not take a daily inventory of the credit cards in my wallet. The card was simply taken and used without my authorization and it should not make a difference who took the card and whether or not they reside in the same household as me. I have attached Barclay 's response to my complaint, which includes all the listed disputed charges, which total {$490.00}.
Complaint about company - Coinbase Coinbase is a digital currency exchange, headquartered in  XXXX XXXX. It is one of the biggest digital currency exchanges, which registers 40,000 new users everyday. 

I made a SEPA deposit of XXXX EUR to my Coinbase account on the XX/XX/XXXX. This is approximately {$1300.00}. The intention was to make an international deposit to my Coinbase account, to purchase crypto-currencies. 

On XX/XX/XXXX, coinbase sent an email to me, saying that they were unable to clear my accounts ability to receive deposits at this point of time. For this reason, the funds will be returned back to me within 1-2 business days. 

On top of that, my account was temporarily disabled for no apparent reason from date of the SEPA deposit payment. So I was not able able to login. 

Due to this money not being returned to me, I have financially struggled in making ends meet and living on a minimum. I have also lost out on huge potential trading profits. 

I have emailed XXXX, XXXX, which supposedly worked at one point but do not anymore as the emails bounced back on me I have emailed on the coinbase customer portal - https : //support.coinbase.comXXXX. Here is says that priority is given to people with payment issue and account lock-outs. Two problems which I have had. All I get is an automated useless email with ticket numbers. The automated emails say that due to high volume, it will take several days to respond to the issue. 

In addition I have tried calling them, resulting in phone bills which costing me hundreds of pounds. I dont even get to speak to someone. I get automatically hung up on due to high volume calls even if I call within the first second of opening times. 

In addition I emailed XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX CEO of Coinbase ). These emails seem to work as I have not had an emails bounce back to me. But I have got no reply. 

In all my emails I have tried to be polite and patient. But now I feel, enough is enough and it has become a ridiculous, not acceptable, pathethic situation. 

I am tired of reading that coinbase will reply within several days due to high volume. Coinbase need to block the thousands of new people joining everyday and focus on supporting their existing customers. Why should existing customers suffer for the new. No other digital currency exchange is providing this exceptionally poor service that Coinbase is providing. 

You can not hold and not return customers money for such long periods of time for no reason Stay away from Coinbase. Customer service is non existent. There is no way you can reach someone and talk to them. the best you will get is automated emails. Thousands of people are in the same situation as me.
A company called Prosper is sending me multiple, unsolicited loan offers and I would like them to stop. In fact, XXXX and other financial institutions also send repeated junk mail offers that I must tear up and/or shred to prevent identity theft. 

Prosper has a number to call to opt-out of the offers ( XXXX ), but they require giving out my social security number, which I do not want to do. 

Junk mail like this is not just a nuisance, its a time drain and stress creator. How can I stop these companies from accessing my credit report, intruding on my privacy, and attempting to prey upon my debt? 

Thank you. 
XXXX XXXX XXXX XXXX P.s. the website for Prosper is SaveWithProsper.com.
XXXX XXXX Chase has put on my credit report for the past 10 years that I owe them {$9400.00} for a credit card. I have never had a credit card with J.P. Morgan Chase, XXXX, nor any of the other banks that Chase has bought out. I was also XXXX in 2005 and had my identity stolen when I lived in XXXX, Texas. I never received any letters or phone calls from Chase in regards to owing them monies on a credit card that I was never issued! I have tried in vain to contact Chase to have this removed from my credit report but they never respond.
I have sent a number of disputes via certified mail and have not received documentation that the debt is mine. This is not my debt. Please provided proof of debt, such as a signature, etc ....
An account with XXXX XXXX XXXX ( XXXX ) was transferred to me in XX/XX/XXXX from XXXX XXXX, landlord. When the account was placed in my name, there was no balance on the account. During the billing cycle of XX/XX/XXXX to XX/XX/XXXX, the air conditioning was broken. This was reported to the landlord prior to the first bill being issued, and she stated that the a/c was checked prior to being rented and transferred. It was explained to the landlord that the a/c was broken prior to the XXXX and XXXX billing cycle. I paid a third party to inspect the a/c unit, and it was confirmed that the a/c unit was indeed broken due to faulty duct work. When this was explained to the landlord, she informed me that all that could be done is installation of a window unit. After the landlord arrived at the house to install the window unit, she confirmed that there was an issue with the a/c unit. The landlord and I made an agreement/arrangement in regards to covering the costs of the expensive bills accumulated during the time that the a/c unit was broken. The agreement was that I was to pay {$200.00} of the first and {$200.00} of the second billing cycle, and that she would cover the cost of the remaining balance which was {$730.00}. I paid my portion of {$200.00} for the first bill and {$230.00} for the second bill ( total : {$440.00} ), and she paid {$230.00} towards the first bill only. There is now a remaining balance of {$500.00} ; which was showing past due and is now being reported on my credit reports by a collection agency ( XXXX XXXX ). I have multiple text messages where the landlord confirmed this agreement/arrangement. When I spoke with XXXX, they were informed of the agreement and stated that an extension was not needed if the balance was to be paid. I also have copies of receipts of all transactions. A final/disconnect bill was received and paid by me minus the {$500.00} that the landlord is responsible for. This dept belongs to my previous landlord, XXXX XXXX.