WillisBack/dataset-financial-user-claim huggingface dataset:
My ex-wife and I submitted an application through Nationstar Mortgage in XX/XX/XXXX to allow me to assume the mortgage loan in her name. I submitted all of the information and was told I would receive a call back in XXXX business days. I never received a call back and when I contacted Nationstar in XXXX, I was told the information was never received. I resubmitted the information a XXXX time and confirmed with Nationstar that it was received. I then received a letter in the mail dated XXXX XXXX stating Nationstar received our request for an assumption and asked for the exact same information a XXXX time. I called Nationstar and was told again that they did n't have my information. When I informed them I confirmed with Nationstar the last time it was submitted, the representative was able to find the data I submitted XXXX before. I was then told it was with the research department and someone would contact me within XXXX business days. However, once again, I received no return calls or mail correspondence. I contacted again on XXXX XXXX and was asked to resubmit the same information for the XXXX time. I received a XXXX confirmation from Nationstar that my information was received. In XXXX, I called back for the XXXX time and was told that it was being researched by the research department and someone would contact me soon. I called again in XXXX and was told that the assumption was approved and it was in the hands of a third party for closing and could take up to XXXX days. It is now XX/XX/XXXX and I have not received any closing information, no return calls from Nationstar and continually get transferred from XXXX department to another, and eventually get hung up on. XXXX months have now elapsed and I am still no closer to resolving this issue. Again, I want to stress that I was told in XXXX the assumption was " approved '' yet I have heard nothing since. This is unacceptable lending practice and I feel an intentional attempt to not honor the approval that was verbally provided by phone. Nationstar records calls per their voice messaging system, so they clearly have access to verify these statements. Additionally, it has been impossible to speak to a member of management. I am always told they are unavailable but they will have someone contact as soon as possible, and as usual no one ever returns my calls.
I 've been online for months on months, shopping around at different dealerships, auto sales places, auctions looking for a car. I do n't have a car or any XXXX family around, all are 2 hours or more away from me. I have been back and forth with my parents about getting a car so that I work and graduate from school. I finally saved up money and came to an agreement with my dad and he put up some money as well for me to get a car so I can get to my 40 hour a week XXXX and my XXXX hour a week job so that I graduate and pay all my bills. I have day in and day out doing the best I can trying to live right working full time, going to school full time, still trying to have life riding the bus depending on my friends for a ride. How stupid could I have been ; but I 'm so tired and I 'm desperate. I was taken advantage of I saw a post online on XXXX for a car and I responded. I got all the information and details and pictures of everything. The terms and conditions were sound to me, too good to be true as I came to find out. From the conversations I had with this person to the research I did on their XXXX page and XXXX XXXX I felt secure. I held up my end of the deal and followed the instructions given to me to provide payment via XXXX. Thinking back I was n't thinking straight I was n't thinking at all. I was told my payment confirmed and went to check and make sure that it still had n't been taken because that was n't the deal until I received the vehicle. I was instructed to wait for more information on the delivery and was told that I needed to provide more money to insure my delivery. My worst dreams were realized I immediately called XXXX who gave me the run around I eventually found out I was a victim of fraud. Hung up and immediately called the card company and was then told that the cards were as worthless as lost cash. After begging for their help I was told that the cards were used to purcashed items from XXXX and after cutting the cards off filing fraud theft stolen I cried and cried and cried some more. Then I called XXXX and spoke to the unknown charges department and they found the charges and were able to freeze the charges close the accounts. They told me to contact the police, contact my card company I did both and went back all the way to where it started contacted XXXX, XXXX, my dad, XXXX, XXXX XXXX XXXX, XXXX XXXX. I needed to make sure I covered all my bases notify everyone gather all my information for disputing these charges and getting my money back to me. A process I was told could take up to 60 days or longer. Perfect timing it 'll be time for me to be finishing up my internship with exactly enough hours and hopefully graduating. Pray for me. Please help me bring whoever did this to me to justice this is not right they ca n't get away with this.
Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XX/XX/XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX
The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.
I missed XXXX payment on a mortgage I had been paying on time for XXXX years. When paying my next payment it was applied to the previous month, no notification either time as if they were waiting to set me up to foreclose on the property. Only found out by accident when calling another lender to refinance, to this day Chase has yet to notify me or take any blame for any wrong
Despite being a fully verified customer by Western Union, XXXX and having made XXXX transfers to the same person through WU, I made and paid a transfer of funds to my girlfriend in the XXXX on XX/XX/XXXX 
WU accepted the transfer and sent me a confirmation of this. 
Several hours later my girlfriend emotionally distraught manages to send a pro bono email from an internet cafe informing me that she was refused the money by the WU money collection point by telling her the transfer had been rejected and returned to the sender on the grounds of her name. The clerk insinuated and made references that my girlfriend was possibly " a XXXX '' or " a money launderer '' which left my girlfriend not only penniless but deeply hurt as it 's as ludicrous as suggesting that XXXX XXXX was " a XXXX '' or " a money launderer ''. 

-Western Union NEVER even contacted me to inform me that the " approved '' transfer had suddenly been rejected. 
XXXX I phoned WU to verify that my transfer had been sent back the XXXX WU operated did confirm this but REFUSED to provide any info as to " why ''?? 
I was told that 'WU is n't legally required to notify a customer of anything if they suddenly change their mind about a service ' and that my money would be returned within XXXX business days. 
-I phoned WU back on the XXXX of XXXX XXXX ask why I had n't recieved my money refund. The WU operated told me that the refund was returned to me on the XXXX of XXXX 2016. I told the operator this was untrue and a lie as NO MONEY had been returned to me. The operator informed me " they would investigate the matter and eventually get back to me ''. 
-The following day I sent an email to Western Union customer service centre asking them to please return my money. 
-They replied saying they were " sorry '' for any inconvenience and to 'make this up to me ' they would return MY money eventually. [ XXXX XXXX XXXX - Customer service representative-Western Union ] -I replied saying that it was the worst and poorest attempt I 'd ever experienced in XXXX years of business experience of a company trying to solve a customer complaint. 
-Western Union XXXX in XXXX sentences telling me in fancy words 'Take it or leave it ' [ Ieva XXXX XXXX - Customer service representative-Western Union ]
SPOKE WITH A MANGER TODAY AT NAVY FEDERAL CREDIT UNION AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY NAVY FEDERAL CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT NFCU SAYS I HAVE ONE. WHICH IS INCORRECT.
Applied bank knows that my info was stolen and now does not know who owns my debt and will not take it off my credit report. I was told several times that someone would call me back but no one called. Everyday my credit is not being fixed me and my family suffer with bad credit. Please help they do n't even have my name in there system. But there name is the only one to contact about the debt.
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
XXXX ( a Nelnet company ) is misrepresenting interest and principal balances on my student loans. The loans date back to XXXX and have significant accrued interest. XXXX, the original lender, sold the loans to XXXX in XXXX XXXX. My student loan interest expense was misstated for the XXXX tax year. I contacted XXXX immediately, but the issue remains unresolved despite several attempts on my part to get a resolution ... most recently through CFPB. For reference, my final XXXX statement shows that as of XXXX XXXX of XXXX loan balance on my account, XXXX was principal and the remainder interest. In our most recent exchange through this website, Nelnet has refused to acknowledge the issue.
Made a purchase with lobel bank month after purchasing the car the transmission and starter went out contact lobel and asked for a defrred payment cause the cist of repairs was XXXX which the XXXX value of the car was XXXX was met by very rude reps made a payment on XX/XX/XXXX car was repo on XXXX called to ask how much to get car out was told had to pay the full amount after being told by diffrent reps that they would tell me the fee to get the car outbeen transfered many times put on hold and hung up on
On my credit report there is two accounts that were opened fraudulently I have been trying to dispute them but every time I do they tell me the information is accurate and they won't remove it from my credit reports with XXXX  XXXX and XXXX  the accounts are XXXX XXXXXXXX XXXX by XXXX XXXX  bank and simply be by XXXX XXXX  bank
In XX/XX/2007 we file bankruptcy. we reaffirmed on our home loan threw XXXX are attorney had are APR Modified under reaffirmation to 7 % that XXXX said was a fixed rate. If we paid on time every month it would drop 1/4 % to a cap of 5.5 %. Are loan was at the 5.5 %. our payments were {$560.00} a month as of XX/XX/XXXX. At the end of XX/XX/XXXX XXXX sold our loan to a company called Rushmore we received a bill end of XX/XX/XXXX that said if we paid before a certain date to pay beneficial then every payment there after was to be made to Rushmore. It was stated that everything would stay the same. we paid XX/XX/XXXX and never received a bill for XX/XX/XXXX. I called Rushmore and they stated that they did not have to send us a bill because we are still in bankruptcy. They told me our payment was now going to be {$950.00} a month and our APR is at 9.48 % They stated to me that they can do what they want with our loan because they now own it. I contacted XXXX at XXXX I was told that nothing should have changed. Rushmore will not provide us with any documentation of why they think they can go against our bankruptcy agreement.
I wrecked my XXXX XXXX in XXXX of XXXX and my insurance company total loss the car. My insurance company called Santander Consumer USA and worked out an agreement with them to do a settlement offer to payoff the balance and to release the title. Well Santander agreed to accept the settlement offer from the insurance company accepted the check from my insurance company and released the title to them. I received a letter from Santander on XXXX XXXX, XXXX stating that they are notifying me that Santander Consumer USA Inc. has provided the appropriate party with a release of interest document as required by the state, they also said they thank me for my business and they hope that I will consider using them again for any future financial needs. This letter basically stated that my account was paid off by the insurance company and they released the title to them. Well this letter was sent in XXXX, in XXXX I started getting collections calls at home, my cell. and at work. I have explain to them that I received the letter that the account was paid off by my insurance company and the car is not even in my ownership anymore, they released it to the insurance company. Santander is still calling and saying I still owe a balance of XXXX XXXX and some odd dollars. I need Santander to close out this account before any late fees are added and also update my credit report with all XXXX major credit bureaus, stating that the account has been paid and closed.
There is an account that has been without ongoing validation and verification XXXX XXXX, removed and consistently resold and purchased. Current request for validation by creditor and Equifax, XX/XX/XXXX- resulted in account updated. New letter from another creditor, responding via certifed XX/XX/XXXX  XXXX XXXX XXXX. Previously removed XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX- due to unable to verify information, wrong addresses, and identity.

The consistent denial of validation and proof of debt a collection, including the last certified letter of validation to another creditor- XXXX XXXX XXXX.

Sent in XX/XX/XXXX - XXXX XXXX not licensed or permitted to collect. As of XX/XX/XXXX- XXXX XXXX XXXX- is attempting without validation or proof.

Request previously for account information, signature, original creditor, discharge dates have continued to change. No proof and no continuity of investigation- where their is my signature or responses to certified mail-exceeds 30 DAYS. 
The last inquire was XXXX- to Equifax via priority- detailing the illegal efforts to collect of an validated debt. Response XXXX XXXX- this account has been in question since XX/XX/XXXX. Equifax refuses to report method of validated or methods investigation. 
Yet still reporting to Equifax- I have sent certified proof of this fraud and illegal efforts to collect. Equifax denies and refuses to discuss how an invalidated debt that is not licensed in Virginia, continues to be displayed. 
I understand my Fair Debt Collection Practices Act requests and legal obligation to report correctly are being ignored.
Recently, I noticed that my bank had charged me an overdraft fee, even when I had the funds to cover a transaction. I looked at past bank statements and noticed that my ending daily balance was sufficient to cover certain transactions yet, the bank still charged an overdraft fee. I called the bank and was informed they can only look back 90 days and per their records, I was entitled to {$45.00} returned to my account. I asked the representative how can I have my account audited through past statements and was told I could not do that. I asked whom could I speak with about it and was told that there is nothing I can do and they can only go back 90 days. To date, they still have not returned the {$45.00} as I was informed and I 've called twice to speak to someone and am left on hold, longest was 47 minutes.
COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( TRANSUNION XXXX AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
The organization goes by the name of Blue Trust Loans. I filled out a form posted on their website. Then I received a phone call from someone in their Customer Service department. They asked me to verify the information I had made online.They also asked what dates I was paid on. 

I was told that for the {$500.00} loan if I paid it back before the first payment was due I would owe {$650.00}. If not there would be 6 payments - the first {$150.00} and then 5 payments of {$160.00}. Which I have paid. The payments where taken by a company called Hummingbird. 

On XX/XX/2018 I went to my credit union to close the account for a reason not connected to this. Then on XX/XX/XXXX I got a phone call from Blue Trust that a payment was returned to them. I told them ( XXXX ) that I had made the 6 payments and had the transaction report from my bank. She proceeded to tell me that I owed another 6 payments of {$160.00} that is additional interest. I requested they send me an email that stated all this. It has never been received even though I have asked 3 times now. I told her that this was not what was explained to me and that my next phone call was going to be to an Attorney. 

On Wednesday XX/XX/XXXX they ( XXXX ) called on my employers main client line. 

They have been calling my cell phone from a " Private number '' and then leave a message with different phone numbers to call them at - XXXX and XXXX. 

They have shown that they are misleading on the loan and have a deceptive business practice.
XXXX XXXX  XXXX has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I received a call from my step mother saying that a gentleman called here stating legal action would be taken if I did n't contact their office. Once I called he was telling me that I could get sued for a {$200.00} debt and legal action for a returned check. XX/XX/XXXX i got a small online payday loan and then the next day I received a XXXX one that I never asked for. The company would n't take the money back and repeatedly charged my account fee 's my bank recommend closing that account which I did I tried to dispute through the bank but I was n't able to. I was finally able to pay the bank XX/XX/XXXX for all the fee 's they charged somewhere around {$140.00} and that 's just what was overdrawn. It has been almost 7 years and this is the first time I have heard from them.
I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.
Signed up for XXXX Credit Card. 

2nd payment problems started : In order to set up 1st payment, a bank or debit card must be added and authorized. Rounting numbers and account numbers were entered. 

Customer selects a schedule payment date. All indications to this point alert that it is a reocurring date that you are selecting. Customer is actually only scheduling a ONE TIME NON REOCURING payment. 

I recieved calls alerting me my account is past due and a late fee. The game is to entrap customers into thinking they have made a reoccurring payment and then trick them with a late fee. Once you call in, when this happens, this uses up the one and only late fee grace period per year, making it seem like they extend you good will. And now making it much more likely you will forget to make a payment in the future and a higher chance they keep the late fee. 

Company should be obligated to provide auto payments or prevented from scheduling payments in a future date. They are clearly the same system, but used selectively for max profit. Company is obligated to disclose that it does not have auto pay and you must pay again manually within 30 Days. 

A helping you from the water with the hand they pushed you in with.
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.