WillisBack/dataset-financial-user-claim huggingface dataset:
I had a valid short sale offer in and Nationstar backed-doored my file and 'sold ' my home on XXXX, though I highly doubt that they fulfilled all of the XXXX County MLS requirements in order to do so ; the home went back to Nationstar . They stalled my short sale file out to 'sell ' the property on their own terms. 
The BPO came in at XXXX. My offer was for XXXX, with XXXX down. 
XXXX XXXX ( me, the owner ) has had several XXXX attributed to the entire foreclosure/short sale process. XXXX XXXX ( my wife and co-owner ) has XXXX. The entire process has been very traumatic to both of us and now I have been foreclosed on. 
I had a valid offer in the XXXX system and have been working on this file for close to a year with my agent, XXXX XXXX, who has been a God send to both of us throughout this very trying process. Nationstar initially tried to sell our home on their auction site ( XXXX ), but he was able to stop them once he listed all of the MLS requirements in order to do so ( see attached ). 

I am also attaching the following : Purchase contractListing agreementHardship letterAll correspondence in the XXXX system ( my agent salvaged what he could as the hard files were deleted today ) XXXX sale informationXXXX County MLS requirements to auction a homeHere is what we are ; we are talking about an older married couple in poor health that now has a foreclosure on their credit reports, and for what? The BPO ( appraisal Nationstar did ) came in at XXXX. Nationstar has the 'bid ' starting at over {$1000000.00}, though no bids were received and now it is a bank-owned REO. 

If the short sale is not put back into active review I will be suing Nationstar for the unlawful foreclosure, pain and suffering, and to release the home from REO to complete the short sale process, as well as contacting my Congressman and the media. 

My wife and I did everything asked of us and you gave us no notice of the foreclosure sale date, nor should you have foreclosed, as their was an active short sale file under review at Nationstar in the XXXX system. You stalled the file out over and over again so that you could own our home and sell it on your auction website. The home is worth far less than you think it is and your actions are nothing short of criminal. 

You should be ashamed of yourselves. 

XXXX XXXX & XXXX XXXX
Three years ago I started a consolidation with Navient. I was struggling financially at the time. Navient led me to believe that my loans were deferred and that interest was not accumulating. My {$14000.00} loan quickly became {$37000.00}. I did n't find out until 2 years later that I had a problem. When I asked Navient to explain I got a lot of legal mumbo speak that I did n't understand clearly. I have never clearly understood what happened. What I was led to believe was NOT what happened! It is a strain on my family. I have since re-consolidated with another company trying to take the student loans away from Navient. There seems to be a problem. It 's like Navient does n't want to let go of them. How can I move on and get this mess straightened out? My credit score has taken a HUGE hit. I ca n't rent or buy a home.
On  XXXX    differtent ocassions the bank mngr.  XXXX   XXXX  acted in avery unprofessional manner and tried, without my permission to have me talk to his investmenet person.Then when I filed a complaint against him I got a rude and threatening call from his supervisor,  XXXX   XXXX  threatening to close my account at once and to mail me back my money.
Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.
On XX/XX/XXXX I made a payment for {$2000.00}, that payment amount was a mistake. My monthly payment is {$250.00} a month. I am an XXXX veteran with XXXX XXXX and did not notice this mistake until XX/XX/XXXX when Ally Financial contacted me because of late payments on the account. That day since I noticed the over payment I told them to take the payments that were due from the {$2000.00} and refund me the rest. I called again on XX/XX/XXXX to check the status of the refund and payments and they told that they needed another 24 to 48 hours to complete the process. I called again today XX/XX/XXXX and they said that they applied part of the {$2000.00} to the months past due and the rest they applied it to the principal balance of the loan. They do not want to refund me anything and did not authorized the transaction to apply the remaining part of the {$2000.00} to the principal.
Information presented to me about my credit score by  XXXX   XXXX  Sales Consultant,  XXXX   XXXX ,  XXXX   XXXX   MD.    Indicated my score was  XXXX . He said, '' It is almost  XXXX  that is pretty good. I accepted that the information was correct.   I subsequently pulled my credit report from all  XXXX  reporting agencies. All scores were above  XXXX ,  XXXX  was  XXXX .   I called to complain to  XXXX   XXXX   XXXX  about the disparity in the reporting to me about my score and credit rating. They insisted that the score they got was from Equifax. My score on the report I received from Equifax was  XXXX .
In XXXX of 2016, I canceled my account with XXXX. In XX/XX/XXXX, I was sent a final bill which did not reflect the cell phones which I had returned. I called XXXX customer service and was told they would check with their warranty warehouse to see if the phone was returned. In XX/XX/XXXX, I was contacted by a collection company for XXXX. I told this collection company that I never received a notice from XXXX stating their intent on sending my account into collection and that I was still disputing the final bill. The collection agent made me believe he was working for XXXX billing and paying the bill would mean the account would not show on my credit report so I paid with him. A few weeks later, I received an email from XXXX saying they did receive the phone but could not make any changes to my account since it was sent to collections. I believe XXXX should have sent me a letter stating their intent on sending my account into collections which they did not do. I also believe XXXX should not have sent it to collections while they had an open inquiry for missing equipment.
I have never had a capital one card, I have contacted them by phone, through mail and disputing my credit report. I do not owe this debt, it was a fraudulent account
I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
On XXXX XXXX 2016 my wife and I went to a Wells Fargo branch to consolidate XXXX of our XXXX accounts .we wanted to close the business saving and checking accounts and transfer their balances to our personal saving and checking accounts.. The representative sent me to the cashier with a clear note telling her what she want the cashier to do. While I was waiting at the cashier my wife was waiting at the representative service desk. At the same time I picket up a phone call that distracted me for a good 5 minutes from the transaction And I just grab the receipt and call my wife : let 's go. 
The next morning .I went to check my accounts on line to review the transactions. that was catastrophic. The money from my personal account over {$3000.00} plus change was missing, and the amount from the business account was transferred to a teenager saving account that we had opened for my son. So I rushed to the same branch to see what happen to my money from my personal saving, no one could find a trace of the account and its amount .I change branch and went to another XXXX, also no one could help .Finally, late at night, By XXXX in the morning, as I could n't sleep, I called the bank toll free number. 
and they told me that they have located the account but they do n't know what happen to the money and the account seems to be closed more than a year ago.so I lost my life saving with no explanation .Is there any thing I can do? My name is XXXX XXXX XXXX XXXX 
my mailing address is XXXX XXXX XXXX, XXXX FL XXXX. 
Phone # XXXX XXXX XXXX Thank you!!
I have been working with my creditor XXXX credit union regarding my credit card account showing that i am 60 days late. They have sent documentation as well as tried to correct the mistakes on my credit report. I have also sent in this information and the credit agency continues to report the late payments. They have prevented me from getting housing because these late payments are showing incorrectly, and they will not accept the documentation that myself and the creditor are trying to submit. My next step is to sue the agency because they will not correct this information and this documentation has been submitted to them on numerous occasions since XX/XX/2015.
To whom it may concern I am writing you in regards of the vehicle at Wells Fargo repaired or on XX/XX/XXXX.. we have contacted Wells Fargo On numerous time Letting them know that XX/XX/XXXX we will be a little picking the vehicle up in pain it to please put it in the computer and contact the repo company.. We contacted Wells Fargo today XX/XX/XXXX To touch bases in to see where we send the money We called The repo company They informed that Wells Fargo has already came and got the truck and Is fixing to auction the truck off. I dont believe that theyre allowed to do that I believe is as consumers we have 30 days at least they came on my property to get it without any paperwork In the process of getting the truck they dragged the truck up the road and park Possibly missing the transmission and rear end that ... We would like to know where the truck is XXXX said we can go get the truck and pay.. that truck mean and very great do you to my My son bought that truck Four months before he got XXXX. And for Wells Fargo to do this to us knowingly we have been in contact with him throughout this process 11 days its been Not even giving us the opportunity to go get it when we tried to one of the ladies claims that its not even a record where we called in when we ask XXXX payment to the Im asking you please do not auction that vehicle off that Ive paid for it.. The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX the account number is XXXX
I have a loan serviced by Caliber Home Loans, Inc. ( Caliber ). It has recently settled a lawsuit involving allegations that Caliber, or an entity on Calibers behalf, called people on or after XXXX XXXX, 2011 on their cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice. Caliber has agreed to pay {>= $1,000,000} into a fund from which eligible persons or entities who file claims will receive cash awards. I have still not been contacted by them regarding this class action settlement. CALIBER HOME LOANS SETTLEMENT CLAIMS ADMINISTRATOR XXXX XXXX XXXX XXXX, RI XXXX
I have a XXXX Credit Card aka XXXX Credit Card. OnXX/XX/XXXX I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX  there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not.

Well on XX/XX/XXXX I get an email alert from XXXX stating that something changed on my credit file. I logged on and according to XXXX it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called XXXX  to dispute the inquiry but XXXX referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB.

Also XXXX would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification
XXXX and XXXX are issuing Citi Pre-paid cards that can not be activated in lieu or refunds. The prepaid card numbers are not valid on Citi 's system, and the Citi system requires a valid card number to get through to a person to sort things out. At this point, my money is lost at Citi, and I am harmed in the amounts of {$180.00} ( card number XXXX ) and {$140.00} ( card number XXXX ) respectively. Citi has also wasted my time with their " customer service '' numbers that require a card number to get through a person.
I have made several requests to get this Home Equity Line of Credit Refinanced. In XX/XX/XXXX I filed a complaint with this agency and received a letter stating that it had been closed since the bank indicated they would work with me accepting the documents previously submitted. 

Shortly there after the bank began requesting additional documents. They finally clarified in XX/XX/XXXX that a letter of explanation would be acceptable. The letter was provided and I was told that the documents had been submitted to underwriting and they were awaiting a decision. At the same time they informed me that the loan was being transferred to a new company, XX/XX/XXXX and that the new company would take over the loan refinancing where the bank had left off. 

After XX/XX/XXXX, I placed several phone calls to the new company, who indicated they had no records on my account. Calls to the original bank indicated that they had no records on the loan as they had all been transferred to the new servicer. 

Last week, I received a letter from the new servicer dated XX/XX/XXXX, indicating that all future payments should come to them. 

I called the new servicer today and was told that they are only a debt collector and could do nothing about the refinancing. When I asked about payment arrangements, they indicated that I could submit payments, however the account would still be considered delinquent and the interest rate is 2 % daily.
In   XXXX  , I called this debt collector to state the the debt was not mine, and I did not owe them. They failed to send me any documentation proving that the debt was min e ( no   contract ). I never heard anything back from the and 30 days had already passed. Representative I spoke with claimed they did not have to prove it, which was a absolute lie.
I am a Capital One cardholder. My payment due date is XX/XX/XXXX. On the business day of XX/XX/XXXX, I attempted to make my payment using the Capital One mobile app. The app, which has experienced significant challenge and seems inoperative much of the time, would not accept my payment. I next called the Capital One customer service department. I spoke to an agent and explained the reason for my call. He then told me he would be processing a payment but that I would get a late fee. I asked for a supervisor and received one. The supervisor told me that the payment was made by the previous representative and that I would be able to get the late fee waived. She specifically looked and told me the prior agent had processed my payment during the very call we were then on. 

The next day I called to make sure the payment had been made. When I found that it had not, I asked again for a supervisor. The supervisor explained that no payment had been processed by either the customer service agent or supervisor the day prior. I then made yet another payment. 

I want to make this complaint because it is in Capital One 's interest to improperly process payments. They make considerable sums of money on the late fee scheme. Had I not called in just to make sure, the payment would have never been made and Capital One would have surely notified the credit reporting agencies of my failure to make a payment on my account. 

Customer service in general is on the downward spiral, not just at Capital One, but everywhere. Extensive voice mail systems with prompts that go nowhere or do not address the issue and an over reliance upon one-way web site customer service is rampant and worsens with every day.
In reference to previous complaint number XXXX. Resurgent Capital Services responded to the complaint and attached XXXX XXXX Statements. The statements show that payment where made to this account. However, they did not send me the signed credit application so I can investigate further. However, I give them an idea, please ask XXXX XXXX XXXX to provide a copy of the check or money order or provide me with the payment format used for this account. The payment format will show the address on the check or money order and if the payments were done online, then they have to have a record of the bank account used to apply payments to this account. This is the only way we can discover who opened this account in my name. On the response Resurgent Capital Service sent, they attached a letter in which they also mention that if this account was fraudulent to file a police report or a notarized identity theft affidavit. I went to my local precint to file a report and the officer refused to issue a report for an account opened 9 Years ago unless I provide a signed credit application. Therefore I am attaching a notarized affidavit. Please note I am out of state and have taken this to notarize in the State of Florida since I will be out of state for another week and do n't want this to stay on hold.
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.
This is my second time reporting this company. They have not communicated with me to resolve this issue. The last communication that I had with them was on XX/XX/2018. I called twice and sent two emails. I requested to have all documentation of communication and anything relating to my case sent to me. They have chosen to simple not respond to my emails. When speaking on the phone, I was told to give them 2-3 business days. It is now the XX/XX/XXXX. They know that they are in the wrong and are refusing to work with me to correct this. The collection isnt valid and it needs to be deleted.
I have a paid off time share with XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX NV Contract # XXXX / Owner ID # XXXX / Contract ID # XXXX I paid this off back in XX/XX/XXXX even paid extra for yearly maintenance fees, well I never heard from the maintenance department or anyone till I got a letter on XX/XX/XXXX from Continental Central Credit stating I owed {$3600.00} balance to XXXX XXXX XXXX XXXXXXXX XXXX. So I sent them a certified letter to dispute the debt balance since I knew I paid off my time share. Finally I got a letter a month and a half after from Continental Central Credit, with a statement or remittance slip that I owed maintenance fees from XX/XX/XXXX till XX/XX/XXXX for a total of {$2700.00} witch included {$190.00} in late fees..I contacted XXXX XXXX XXXX XXXXXXXX XXXX and spoke to a XXXX in Resort Accounting and gave her my contract id # XXXX, I advised her to why was I never notified this was past due, her response was " we notified you by e-mail every time it was due '' XXXX XXXXXXXX. I told her that was my wife 's e-mail and she has never gotten an e-mail from them. I also told her told her that was a violation of FDCPA, she said you have to call Continental and couldn't help me. Continental Is adding {$900.00} for collection and attorney fee. I feel this is a violation of FDCPA and FTC
Credit reporting agencies of XXXX, Experian and XXXX  are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
I applied for and received the Chase Sapphire Preferred credit card. I selected this card after reading in Consumer Reports and the Chase Sapphire Preferred website that is came with a XXXX point bonus after spending {$4000.00}. When I received the card, among the benefits listed on the paper to which the card was attached, there was no mention of the XXXX points nor on the brochure describing the benefits. There was also no mention in the fine print cardholder agreement. When I called Chase Customer Service to inquire, he assured me I would get the bonus. When pressed that I had nothing in writing and needed something, the best he could offer was to send out a generic letter, no reference to my card number, and that I had it on the website, and everyone with this card gets the bonus. I pointed out the website could change tomorrow and in effect, I could spend the {$4000.00}, receive no bonus and have nothing showing I was to get the bonus. I closed my account. No loss of money but negative effect to my credit score for getting the card
IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.
TransUnion lists the Chapter XXXX Bankruptcy status on my report as 'Filed ' and states that it will remain on my report until XX/XX/XXXX. 

First of all, since the bankruptcy was filed in XX/XX/XXXX it can only remain on my report until XX/XX/XXXX. TransUnion plans to keep it on my file an additional three years, which is in violation of FCRA. 

But more important is that my bankruptcy status is DISCHARGED as of XX/XX/XXXX. Showing the status as only FILED implies that I am still under bankruptcy and is currently harming my ability to apply for new credit. 

I have disputed this item twice with TransUnion and both times their results have simply been 'Verified as accurate. ' My attached discharge notice clearly disproves this.