WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar mortgage has incompetent and irresponsible accounting practices. Since they have acquired my loan, they have missed property tax payments due from my impound account, lost payments, miscalculated unpaid balance owed with timely payments, and have the audacity to send me a letter saying I owe them a late fee. My credit scores are over XXXX, and I 've never missed a payment on anything. EVER! I do not trust they are operating with a fiduciary responsibility to their clients. It 's unethical to place a customer, who is making early on/time payments in harms way with regard to their credit. Their poor accounting practices are placing my credit in harms way.
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. Trans Union is showing last payment of XXXX, XXXX and XXXX is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with TransUnion via XXXX XXXX, which TU never replied to.
XXXX - {$170.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
In XXXX 2016, someone used my credit card numbers fraudulently. I ordered XXXX, XXXX and Transunion credit reports which shows that on XXXX/XXXX/16 someone impersonating me obtained my credit report : On my Transunion credit report the most information was provided. It states that I order the report and the permissible purpose is : Consumer Request. The company that provided the report is Transunion Interactive XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, CA XXXX which is a wholly owned subsidiary of TransUnion LLC. Soon after, credit card companies were calling me about my request for credit and advised that all my personal information as well as SS # were provided. When I call both Transunion and Transunion Interactive, they stated that anyone can order the report under a number of websites and that it shows that I ordered the report online. I spoke with customer service, the manager and online department. The all stated that they could n't help me or figure out who obtained the report. What they did was to provide my credit report to an identity thief who also contacted the US Post Office to temporarily change my address to one in New York ( where I do n't live ) They did not help me and told me that it is just a soft request so should n't be a problem.
I have submitted a police report number filed with the XXXX XXXX Police Department ( Report # XXXX ) as requested by the Collection Agency filing the inaccurate information with the Credit Agencies. I was given an email to send the police report information to and I received a read receipt confirming that Central Financial Control received it and read it. I was plainly informed that the false information would be removed from my credit report shortly after filing the Police Report. Yet I have waited for over 3 months with no change to my credit files.
I have an adjustable mortgage with Chase and I have made several additional payments towards principal. The problem is that Chase has not applied it towards principal. They keep applying my payments towards future payments. I have called several times, have spoken to XXXX of employees including a senior person named XXXX XXXX ( XXXX, extention XXXX ) who promised a call back. I have yet to receive a call back. My loan recasts next week and my new payment will be higher than it should be because my principal payments were not applied correctly. Further, the bank owes me all that interest money in years of holding onto my payments.
I vehimately disagree with the Synchrony bank rep who researched my complaint about the interest charge for {$100.00} and {$19.00} for the XX/XX/XXXX statement for 2017. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!
See the letter attached : XXXX/XXXX/2017 Zenith Financial Network ( ZFN & Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Stop calling me. This has been my number for 17 years. I continue to get calls from ZFN daily at XXXX XXXX. You are looking for someone named " XXXX ''. There is no XXXX at this number and has never been. Every time, and I mean each and every time, your agents call me they are rude and have the nerve to tell me to mind my manners - EXCUSE me XXXX, you are calling me at XXXX XXXX almost every single morning even after I 've wrote your company twice already and am constantly put in the position of having to explain this issue to your collectors who call me. What the XXXX? Are you just XXXX or do you just feel it is within your right to treat people who have no association with you like XXXX? You are the epitome of a bottom-feeder. This is the classic legal definition of harassment. I work at home. The telephone is my tool to do my work. I live with my wife and XXXX minor daughters. My wife and I have never, ever been late on any financial responsibility much less had the need for a collector to contact us. In fact, I am a consumer financial regulatory consultant working in the industry for 26 years. My job is contingent on being financially responsible for which I am required to certify twice annually. I know a thing or XXXX about debt collection laws and your action clearly demonstrate that you are not compliant - ILLEGAL is the accurate word for your business practices! 

This is my XXXX, and final written warning. This combined with the numerous times I have verbally informed your company of your mistake and continued harassment should be enough even for the most lazy, incompetent slackers who are employed by your company to understand that YOU ARE IN THE WRONG. THIS IS NOT A PLOY TO BE SKETCHY AND AVOID PAYING A DEBT. The actions by ZFN are negatively impacting my quality of life and disrupting my professional responsibilities. Your actions are a clear violation of the FDCPA and TCPA. Consider this a formal, and final, cease and desist notification. 

In summary, I have explicitly stated on many occasions, both verbally and in writing : I do not know who you are looking for, You have the wrong number, To remove my phone number from your database/list, To stop calling me, That your continued calling is harassment and illegal. 

By the way, it would be much more convenient for me to call the number listed on your web site XXXX XXXX XXXX ) but the call goes straight to a permanent busy signal. You 're not fooling anyone. This is an intentional effort on your part to evade being contacted.
On XX/XX/2007 WELLS FARGO BANK.N.A. Committed loan fraud. 
XX/XX/2007 Wells Fargo sent crafted uniformed instrument documents to sign - exhibit- A as a security agreement endorsable for funds. 
Wells Fargo clearly makes a statement that a loan was made, this is false. 
Wells Fargo does n't and has not shown any accurate records according GAAP where the said loan came from after repeated inquiries. 
Wells Fargo has cleverly crafted the reading to make you believe that a loan was made to you. The wording usually goes like this in the beginning of the contract : " In return for a loan that I have received, '' I promise to pay .... 
Wells Fargo brought nothing to the table as collator for a loan. Wells Fargo even required XXXX Dollars just to get the loan papers brought me to sign, which I paid. 
Then Wells Fargo took the created a securitized note with my signature and stole it to XXXX or Stole it as a derivative on the stock market. Either way Wells Fargo did make a loan but made copies of a securitized promissory notes and has a past practices of selling them as toxic loans to other investors.
I moved to another state ; attempted to change address multiple times with Citi. I had not received a statement from Citi in over a year. I called multiple times to change my address. I could not reach a human being until I called on XXXX/XXXX/2016. I was told by this person, my payment due had increased and I was now over my credit limit ( mind you I used the card one time for a promotional purpose when I opened this account ). Citi had charged multiple fees and penalties onto my account and had NEVER notified me of an issue. Upon calling in and finally getting a person to speak with ; Citi has refused to do anything other offer to waive XXXX interest charge and XXXX penalty fee. 

I believe Citi to be acting in a malicious manner towards consumers. Creating a maddening voice response system to cause confusion and near inability to speak with a live person, not promptly updating address records, and not contacting the consumer when there is an issue with the consumers account. Thus resulting in more ad more fees being added to the consumers account.
Loan Officer at Embrace Home Loans knowingly giving borrower inaccurate advice on the credit report and mortgage application process in order to keep client from examining other options. LO in question is a 14 year industry veteran, so this is not the result of inexperience. It 's an ethical lapse and does the customer and the industry a disservice.
I found today Experian had charged my credit card for " Experian *ProtectMyID XXXX CA {$39.00} '' I did not sign up for this service ; I already subscribe too XXXX XXXX, and credit monitoring service who guarantees XXXX dollars if your identity is stolen and your credit has been used and they do n't alert you. 
Well my identity has been stolen and if XXXX and XXXX credit reports look like Experian 's treatise XXXX pages front and back report along with XXXX financial company inquiries I 'm really going to be toast but I digress. 
I contacted Experian this morning and they will not cancel this service until XXXX, 2016 I have no idea why this a magic date but that 's what the customer service representative said. 
I would like the unknown service stopped and my money return to my credit card prior too XXXX, 2016.
While reviewing my credit reports on XXXX, XXXX, and XXXX in XX/XX/XXXX, I was stunned to see that my XXXX XXXX Credit card, ending in XXXX had been reported as closed on XX/XX/XXXX causing me to lose XXXX points off my score. I immediately called XXXX XXXX XXXX to verify the status of my account. XXXX XXXX XXXX informed me that my credit card ending in XXXX was not closed, but under " special handling '' with my Credit Protection Insurance that I initiated in XX/XX/XXXX. I lost my job in XX/XX/XXXX and thought it was a good idea to utilize my Credit Protection benefits for my XXXX XXXX card. My benefits were approved. Two payments have already been made. One for {$75.00} on XX/XX/XXXX and another payment for {$25.00} on XX/XX/XXXX. The problem is it's been reported as " Closed '' on all three of my credit reports, and my credit score was dinged by XXXX points! XXXX XXXX XXXX insists that my account is not closed, yet nothing has been done to reflect my account being " Open '' and my XXXX points reinstated on XXXX, XXXX, and XXXX. 
Please help me. 
Thank you.
I was contacted by Genuine Debt Solutions on XXXX XXXX, 2016 by someone named " XXXX XXXX '' and was immediately asked intrusive questions about where I work, etc. without being told " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told this person I was not comfortable having this conversation as I was recently scammed by a company trying to collect on this same " debt. '' I was then transferred to " XXXX XXXX '' who at first seemed to understand my frustration but later became belligerent and highly unprofessional. She told me to " stop talking and listen '' as if I was a child. Keep in my mind she called me so I had the right to state my reasoning for not wanting to continue the call. I continued to ask for validation of debt and asked questions about the companies legitimacy and she then became loud and rude and said that if the money is not paid her client intends to pursue legal action so I disconnected the call. I received XXXX documents sent from a XXXX account from this " business '' - Genuine Debt Solutions telling me I owed an ABSURD amount of money to her client, XXXX XXXX. When I called XXXX XXXX directly they had never heard of this company and told me that I did not owe this debt.
I 'm in need of assistance with my mortgage company. They 've offered me XXXX assistance thus far. For the sake of my neighborhood, and community I have decided to list my property as a short sale in hopes of aoviding a forcelosure auction. Not only will the short sale be better for my credit but also, better for the local economy by not adding to the foreclosure count. I have spoent hours trying to work out a deal with my lwender but to no avail they will not help me. This ios my good faith attempt to sell my proiperty for as much as possible via a local real estate franchise ( XXXX ) and have got an offer for even more than I would have expected the property to be worth. Please help me avoid foreclosure and complete this short sale ASAP for my familiy and community.
Hello, we recently inquird about getting a commercial floorplan with Ally, during the process of contacting the correct people to decuss the different options, I was directed to speak with a XXXX XXXX a Repersentive for Ally Bank, to which my Accountants for our business reached out to him, after the initial contact, I received a email from my accountant saying that they had spoke to Mr XXXX with Ally and he had told my accountant that he could not do business with us because of a past relationship with us ( which we never had ). As soon as I read the email I was taken back I thought wait a minute we have never done business with Ally Bank in the past, so after reading the email I sent a follow-up email to my accountant letting them know about the incorrect info the Ally reperentive has told to him, and requested his info so I could make contact. 
Once I received the info on who to contact, I sent a request to a XXXX XXXX at ally bank requesting a meeting to discuss the details of our business and apply for a loan, while also explaining that we never had a account with Ally Bank and that he must have been referring to previous owner of the business we bought out when we opened our new dealership, and that we would just like to opportunity to apply for a loan with Ally. 
after sending the message a short time later I received a response from Mr XXXX with Ally Bank, But once again I was met with resistances, he says in the message i quote " I have no choice, XXXX. My company will do an extensive background check and will find this. 

Thank you for reaching out, but its out of my hands. 

And he sent a news clip form wood TV 8 from XX/XX/XXXXwhen a customer filed a complaint against us with the state. Which at the end of the day was settled and ended. 

Once I received his message back I was very upset and hurt, and couldn't understand how because of a invalid complaint from a customer would allow a bank to denie me from appling for a commercial loan. After I did some more research I found out that the person who said I could get a loan ( without every taking a application ) Mr XXXX with Ally Bank, to find out he was the person I replaced when I took over a running this store in XXXX before I bought out the owner was infact Mr XXXX XXXX with Ally bank, so I kinda feel this might be more of a personal problem then corporate mainly because I have never been turned down for a loan I never got to apply for. At this point I would like Ally Bank to be fair with there lending pratices and not allow for this type of treatment for XXXX XXXX XXXX, if someone wants to apply for a line of credit they should be allowed, and not held off by someones personal issues. all we our looking for is a chance. But we weren't even given a chance to get turned down, we we're simply rejected because of hear say.
Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXXXXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXXXXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.
I disputed this account and asked Equifax for an investigation into the  XXXX  Account.   I requeste d Validation, Verification, Process, Contract. I  have not received any of the requested documentation to prove that this is my account. The only investigation results I have received, states that the account / bill / information is true. NO justification. No contract, No etc.   The investigation has EXCEEDED 30 days - requested  XXXX   2017 .   XXXX  In addition the account is being re-aged & from the original date should have been removed, as it exceeds the 7 year statue of debt on a credit report.
On XX/XX/18 I submitted a number of disputes through Equifax 's online center. The report # is XXXX. I can not get a hold of a person over the phone nor does the system allow me to access the findings of the disputes. My ID has been stolen and I'm afraid there are things on there that aren't accurate. It's been 2 1/2 months. I also requested that they MAIL me a full and complete copy of my credit report and have yet to see it.
I sent out a Creditors Verification Letter accordingly to the Fair Debt Collection Practice Act. The company was not able to verify the debt belongs to me after I sent out the letter I never got a response within the thirty day time frame ( 30 ). I am providing you a copy of my Creditors Validation Letter and the USPS Mailing information with the dates. You will be able to see that it was delivered on the XXXX XXXX, 2016 and I never heard from them since.
I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX .
Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. 
I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. 
Sent them original XXXX W-2 on XX/XX/XXXX. 
I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). 
I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). 
They contacted my Daughter ( borrower ) to let me know the issue was open. 
I sent information on XX/XX/XXXX. 
I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. 
They told me they would likely deny me the loan due to their policy of closing requests after 60 days. 
I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.
I negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent.
Please provide me with a copy of that certain SunTrust Mortgage , Inc . Note dated XX/XX/2008 relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please accept this Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX