WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I have been trying to get our mortgage company NATIONSTAR MORTGAGE COMPANY, to give us the balance on our home loan in writing since early 2015. Our first few request were placed through our attorney to Nationstar 's attoney. We were told on numerous occations that Nationstar 's attoney would try to facilitate obtaining this information. We found your website and folowed the directions listed and sent our first formal request ourselves on XXXX XXXX, 2015. This prompted a response that no information would be forthcoming, per XXXX XXXX XXXX, our Nationstar appointed contact via email. ( after we inquired XXXX more times for the balance ) I would think that this information would be very easy to obtain, since this would be just a click of a button to find a loan balance that they are servicing the loan for. We filed a complaint with the CFPB on XXXX XXXX, 2015. Nationstars attorney responded to the CFPB on XXXX XXXX, 2015, we had court on XXXX XXXX, 2015 and Nationstar was ordered by a Federal Judge ( Judge XXXX XXXX, of the XXXX District of Oklahoma ) to correspond with us through a Court Order. Once again we followed the proper protocall and mailed a certified letter requesting the balance on our home loan at this time. This second certified letter was mailed on XXXX XXXX, received by Nationstar with the Court Order attached on XXXX XXXX, 2015. Nationstar NEVER responded to our request as they are suppossed to once this request is received in the five ( 5 ) day time frame upon receipt of our request. It is our desire to know the balance on our home loan as we have received nothing from Nationstar in the 4 years that they have serviced our loan and we have been in a Chapter XXXX bankruptcy. A court order is in place ordering them to communicate with us and they still choose to ignore this Court Order. Our bankruptcy will be discharged in about a month and we need this information to possibly refinance our home due to the HORRIBLE way we have been treated by Nationstar Mortgage Company and their lack of Customer service. This is a very basic request and we do n't understand why Nationstar has blatantly ignored our request. Also in our first complaint to you Nationstar has a habit of changing our address on corresspondence to show it was mailed and this could be why it was not received. I 'd like to see if any such mysteruous correspondence is once again fraudulently floating around in their computer system. No mail has been received in connection to our request at our attorney 's office or at our home address as Nationstar was ordered to change our address too as of XXXX XXXX, 2015. Thank you in advance for your assistance with this complaint. The CFPB was extremely helpful in XXXX when we filed our previous complaint in helping to facilitate the placement of the Court Order to correspond with my husband and myself.
I received billing statement from GreenSky yesterday XX/XX/2018, and realized there must have been some misunderstanding between your company and the contract made by XXXX XXXX XXXX, Waterproofing business. Also, I believe this company has been misinformed by Mr. XXXX XXXX, the sales person/inspector of Waterproofing company, XXXX XXXX, XXXX. Mr. XXXX came to my home XX/XX/XXXX, and offered me of a financing opportunities while he was explaining about the contract for waterproofing he wanted me to sign its contract with his company. Mr. XXXX told me that the contract with his company and financing payment would be in effect on the date XXXX XXXX companies complete their work. The bill that I received XX/XX/XXXX shown as if I purchased {$3400.00} XX/XX/2018 from XXXX XXXX, and charged activation fee of {$39.00} XX/XX/XXXX, and Finance charge of {$15.00} XX/XX/2018, which totaling {$3500.00}, and due date is XX/XX/2018. The interest dare shows 6.99 %, and daily Percentage Rate is 0.01915 %. The also bill shows phone number XXXX and email address XXXX. However, I can not reach GreenSky either ways. The company 's payment address is GreenSky XXXX XXXX XXXX NC XXXX. My husband is XXXX, and I am his full power of attorney, and so all contact must be made through me.
I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Equifax mishandled my private information which puts me and 209,000 other people at risk. I am listed as a potential victim according to their website - equifaxsecurity2017.com - and I would like a resolution. I 've worked hard to build my credit as a XXXX year old, I 've worked hard to maintain a good score with a good history, and now all of that is at risk because of gross negligence by this company. Now I have to pay a fee to freeze my credit because of incredible incompetence, since my SS number, DOB, address, CC numbers, and possibly even driver 's license number are likely indexed as, at this point, they 're public information.
I have been disputing this bogus item on my credit report since 2014 and have submitted a document from the dental office stating the account was paid in full, but XXXX XXXX XXXX is using hard-nose tactics. I have contacted these people several times and threatening to file a complaint with the Attorney General. Attached is the recent dispute I filed with Experian and it is vague, to say the least. The report states that from their investigation the report has been updated. The report has not been updated, and I attach a scanned copy of the report.
I have multiple times have set up a dispute for items on my credit report with Equifax and XXXX regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1.  XXXX XXXX {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On Equifax & XXXX XXXX XXXX XXXX for {$2800.00} 4. XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.
XXXX XXXX has recently begun reporting an erroneous collection to the various reporting agencies on behalf of XXXX XXXX. I have never had an account with XXXX closed or left remaining with an open balance. I disputed the debt to XXXX XXXX, and XXXX replied that the information should be removed from my credit history, and it was. So, no issue there, except that they instructed XXXX and XXXX to continue reporting the identical account after instructing XXXX XXXX to remove it. I have attempted to dispute the collection and its reporting, but XXXX continues to verify to the credit reporting agencies that the debt as accurate. I can only assume they are n't bothering to check with XXXX, as I 'm positive even a cursory search will reveal the account is not mine. This brand new collection is causing a lot of damage to my credit just as I am attempting to buy a home, and I would like to avoid a lawsuit for this misplaced collection keeping me from that.
XXXX is the one I use to transfer money. This time I got this message after I submitted. And got the message, Your payment is currently in the electronic check clearing process. During this time, your bank account is being verified, debited, and payment is being credited to XXXX. Normally, this process takes up to four ( 4 ) business days. 

They did not provide a warning before submitting. Called three times and was told all the other times they pre funded but in reality, the amount was debited instantaneously. This warning must have been shown before submitting the transaction. 

My second call was hung up.
XX/XX/XXXX- ID XXXX {$60.00} Debt was paid to XXXX by my primary and secondary insurances. XXXX XXXX XXXX XXXX of Illinois and XXXX of Illinois.
XX/XX/XXXX- ID XXXX {$60.00}. XXXX did not bill XXXX of Illinois XX/XX/XXXX-ID XXXX  {$62.00} XXXX did not bill XXXX of Illinois.
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On XX/XX/XXXXI called XXXX and spoke with XXXX, case number XXXX, and she said all the payments were finalized and there are no debts on my account.
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I have received no further communication from XXXX. Recently, I ran a credit report and then was notified that I was turn into collections for the XX/XX/XXXX and XX/XX/XXXX bills. I have called XXXX and spoke with XXXX XXXX at XXXX to attempt to resolve this issue. XXXX XXXX. told me that this is my issue and the debt must be paid through the collection agency Financial Corporation of America Corp. I called Financial Corp. of America Corp at XXXX. I spoke with XXXX XXXX. XXXX XXXX. refused to give me any ID number and refused give me the regulatory agency to file the dispute of this debt. XXXX XXXX. did confirm that I claim to dispute this debt and that she would write this in the file.
I mailed the dispute letter to Financial Corp of America Corp by certified mail XX/XX/XXXX.
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I would appreciate this debt being removed from my credit report.
Thank you.
After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, " The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.
Good afternoon, I purchase a home in I believe XX/XX/XXXX and unfortunately due to financial difficulties defaulted and went into foreclosure, I did apply for a loan modification but it was not approved. I had two loans the second was a balloon payment. Ditech financial is the company trying to collect on the debt. Its been over ten years and they do no stop sending letters or calls. On occasion I have spoken to them and let them know it was impossible for me to pay this debt and of course I no longer have the home. it is frustrating to keep seeing them report on my credit its past ten years and still receievig calls and notices. I have disputed their credit reporting with no progress in getting them removed from the credit report. What rights do I have to get these people to go away.?
They were several inquiries showing only on my Experian Credit Report that were previously deleted due to them not being authorized and after the system went down and came back up I 'm now seeing them reporting again and I did n't receive the 5 day notice of this. The inquiries are : XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX- XX/XX/XXXX AND XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Barclays Bank XXXX XXXX has reported me as late in XXXX. This occurred, after multiple calls on recorded lines. I called them in XXXX to report a hardship. They set me up with an agreed upon payment plan which I met the terms to. Then they reported me as being late. When I called twice, I was told that I was reported late because I didnt make the regular psyment. Even though I paid what we agreed to they told me I should have know I would be reported late. At no time, again on a recorded line did they ever mention they would report me late. They just wanted my payment and had no intention of living up to what we agreed to as the assisted me during a hard time. After my second time on the phone trying to have the late payment removed I was told there was nothing they could do so I closed a 14 year account. Simply said, they operate in a unethical way. On other calls I had after XXXX they told me if I made a large payment I would be caught up. I did just that paying {$400.00} in a XXXX to once again be lied to as I still wasnt caught up. Thats when I canceled. I did everything they asked and each time they never stated I would be reported late until they did so. I would like the calls to be listened to from XXXX on which will prove all I say. Simply they are again very unethical as thats not how you do businsss when a 14 year customer asks for assistance.
This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
I have always be 2 to three payments behind with GM Finance and they always worked with me due to income up and down but I always paid and they were fine with that. on XX/XX/XXXX I noticed my car was taken called the non emergency police and they said my car was repo 'd I called GM and now it was taken over by XXXX I talked to someone before on the XX/XX/XXXX said what my intentions were to get it back to good status would make 1 payment at the end of XX/XX/XXXX and 2 in XX/XX/XXXX He said I will note that and you should be fine. Why did this happen when I called on XX/XX/XXXX they told me there was no record of it also I set up a payment and account I always use for this month and said they could not verify the bank info so it could not be processed never receaved a call about that this has been such a nightmare and now they want me to pay XXXX to get my car back
After paying for a monthly service through Experian, there have been two additional collections accounts placed on my credit report. I do not owe the money which has been added to the report and a credit lock, fraud alert has been in place for several years. The most recent fraud alert was added this month. Someone in XXXX, Florida has added a {$200.00} consultation fee to my credit report twice. The collection is not my account, and I have not received any consultations in XXXX Florida. When calling the number listed at the Experian website several times, there was no answer. When accessing the online account there was again, no access allowed to dispute the added collection. The monthly fee has already been paid and was about {$25.00} per month last couple of months service fees.
this is fraud. someone is using my identity. a request was maid to this agency on XX/XX/2015 in my name that I did not agree to.
I had a credit card with Orchard Bank and Capital One acquired them, I was never notified of this information I found out by calling. At no time did I receive a new card and agreement from Capital One, in most instances you have the option of opting out and closing your account, I was never given this option. I had a service on my card as well from Orchard Bank because I have a serious illness that causes me to have high medical expenses. I have contacted Capital One several times to get some answers and on a few occasions I received a call back from XXXX to whom left me a contact number, pin and extension and the contact number is always busy or just continuously rings. i have asked for a new contact agreement regarding terms and conditions and a card due in fact I do n't have a new credit card from Capital One and the card I have is from Orchard Bank has expired quite a while ago, therefore any new fees or interest rates that have changed, I never agreed upon and have no knowledge of, therefore I do not owe this debt. I am aware Capital One has unsavory business tactics to include security breaches and sub-par treatment of customers not being up front about the lack of security.
Red Rock Financial Services at XXXX XXXX XXXX  XXXX XXXX, filed a Lien on my residence and would not provide a reason or any information for this grave legal action.
Chase bank closed my bank account with out any warning or notifications on XXXX XXXX of 2015. If I did not log on to my account mobile I would have never known that it was closed. I went to the branch on XXXX the banker XXXX XXXX kept giving me the run around he was not giving me any valid explanation due to my account being closed. He kept " assuming '' that it may have been fraud or someone was depositing checks that were not in my name. Which still does not give me an explanation. Then the banker stated that i should be receiving a letter in the mail about the cancelation of my account, which I still have not received. Now I can not receive my payroll check and it is very very inconveniencing me and my bills. I have been calling customer service for the past XXXX days and they tell me something different everytime. First the money should be on my account by Monday, then it should be there by Tuesday morning and I can pick it up from the branch, now they have to verify and send me a check. Why could they not let me know this before hand they know how there procedure works. I have no documentation because they have failed to notify me.
I called Santander Consumer USA to request a copy of my contract on XX/XX/XXXX/XX/XX/2018, I never received the contract. I called today, XX/XX/18, to request the contract to be mailed and faxed. The copy that was faxed to me is not legible. The print only covers approx 1/3 the width of a standard 8x10 sheet of paper. I called again to request a legible copy of the contract and was told I would have to wait " up to 24 hours ''. I also called in regards to the company reporting a 30 day late prematurely. I made the payment on XX/XX/18, which shows credited to my account on XX/XX/18, via the online portal. However, when I called I was told by XXXX XXXX XXXX XXXX that the payment shows posted on XX/XX/18. I was told on a separate call by XXXX that is the reason it was reported 30 days late, as they report to the credit bureaus on the XXXX of each month. Additionally, the payment made on XX/XX/18 shows as having been applied entirely to the interest, the amount of that payment was {$340.00}. I would like an explanation for this, and a correct adjustment. I would also like my account to be audited as I am concerned that Santander Consumer USA 's inaccurate reporting/recording has compromised my account.