WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced my loan with Greenlight Loans, a division of Nationstar Mortgage, and was funded with a new loan with NationStar on XXXX XXXX. The old loan account on Nationstar 's website was not flagged at all. Not flagged means the account can accept any kind of future payment or changes. On XXXX XXXX, I received an email from Nationstar that my Auto-pay for the old loan was being paid. I immediately emailed them that the old loan was fully paid and yet, on XXXX XXXX, the money was taken out of my bank account. I emailed them again and received a generic response, basically saying, sorry for the inconvenience, but we have your money for the next 30 days ... interest free. I finally called them and a customer representative told me in 18 days after the funding date ( XXXX XXXX ), that I 'll receive my refund check. That day has come and gone! 

The whole problem is that Nationstar is setup to capitalize on human errors. For example, if a consumer mistakenly writes a check with the old loan number or use an old loan stub ... that check is credit to the old account and wo n't get it back for 30 days. In the meantime, a consumer will not know their mistake until they received a delinquent notice on their new loan. Delinquent charges and possible payment processing fee kicks in after 9 days of the Due Date. All they need to do is to play dumb, drag their feet, and the longer it takes to resolve a mistake will result in collecting more fees or free use of customers ' money. 

NationStar 's website needs to have accurate information about the status of the old loan account. This old account should be flagged with notation that the loan is paid, closed and inactive, show any credit balance and a refund date ... none of this unpaid balance owing and your next payment is due on XXXX XXXX.
Lobel Financial is harrassing me at work. I am defaulted on the loan and they have continously called me at work harrassing me.
All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
A debt was incorrectly reported by XXXX XXXX XXXX in XXXX GA in the name of my daughter for unpaid rent. She had been taken off the lease by the apartment complex and the debt was not hers. She received repeated calls from XXXX at Amerassist AR Solutions. I finally had to get involved to fix the problem. The apartment complex is having the error corrected and several people at Amerassist are aware that it is an incorrect debt. I received another call this morning from XXXX at Amerassist. He refused to listen to anything that I had to say even though I told him I had been in contact with his supervisor to have the situation corrected. He told me it was my daughter 's debt and it would negatively effect her credit. I tried to explain the situation to him several times and he was extremely rude and unprofessional. I myself worked in the credit industry for 10 years as a manager and would not have my employees act this way to a debtor. If this is the way they encourage their collection agents to behave then there is a problem. Thank you.
Pioneer credit Recovery, Inc who is working on behalf of XXXX, has been calling my home and cell number nonstop. They have threaten to call Social Security to have my Social Security Check taken away. They have threaten to take money from my bank account without my permission. They obtain my husband cell number and told my husband to fax over his XXXX so that the can garnish his tax returns. I called XXXX XXXX XXXX XXXX XXXX to inform them of the harassment that I was receiving from Pioneer. They advised me that its not that problem to call Pioneer or file a complaint. So that what I doing filing a complaint because it is against the law to do these scare tickets to people
I entered in loan modification program XX/XX/XXXX. I was only 9 months behind in mortgage. I am currently selling my home. the Partial Claim amount is {$66000.00} due by XX/XX/XXXX. If I am paying off the loan at the end of this month why does the amount remain the same? I've only been in the modification for XXXX this XXXX.
I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.
please see attachments. I HAVE TRIED TO OFFER TO PAY THIS DEBT  ON 3 DIFFERENT OCCASIONS IN EXCHANGE FOR MY PROMISSORY NOTE. I CONTINUE TO GET THESE OPEN ENDED LETTERS THAT MEAN NOTHING NOR ARE THEY COMPLYING WITH MY CONSTENT REQUEST FOR MY PROMISSORY NOTE IN ITS ORIGNAL FORM. MEANWHILE THEY CONTINUE TO LIST A {$0.00} DEBT ON MY CREDIT REPORTS. THEY REFER ENCE ME TO   XXXX   XXXX   XXXX   XXXX   FUNDS WHICH BOTH BEEN DELETED OFF MY CREDIT REPORTS FOR INACCURATE INFORMATION. MY HANDS ARE TIED AND I 'VE DECIDED TO LEAVE THIS MATTER IN YOUR HANDS
I file a dispute in XXXX XXXX about XXXX Bankruptcies listed on my Equifax credit report. I received my results that they came back as verified. I am trying to figure out, how they were verified when they do not belong to me.
On XX/XX/XXXX, I met with a Legal Aid lawyer about my loan with XXXX. I am unemployed, and can not afford to pay this loan.I try my best to make ends meet to feed, clothe and house myself and my XXXX children, but paying this loan makes that impossible for me to manage. Legal Aid helped me to fill out a REPAYE application on XX/XX/XXXX which was faxed to XXXX, my servicer for my federal loan. At the end of XX/XX/XXXX, I received notification from XXXX that they could n't process my application for REPAYE because my loan was in " paid ahead/deferred status '' I contacted XXXX and cancelled the deferment. They still refused to process my REPAYE application, and told me I used the wrong form ( the one I  used was the official Department of Education form ) Because I received a bill that was due on XX/XX/XXXX, my attorney recommended I contact XXXX and have them put my loan in deferment/forebearance temporarily. When I called, XXXX told me that " the Department of Education eliminated the option '' to stop payments temporarily. This is ridiculous. XXXX seems determined to deny me my rights under federal law and DOE regulations.
WE HAVE USED WESTERN UNION BEFORE TO TRANSFER MONEY TO IMPOVERISHED RELATIVES IN XXXX, HAVING TESTED THE SYSTEM A FEW MONTHS AGO WITH {$50.00}. AFTER SEVERAL ERRORS, WE FINALLY GOT THE MONEY PICKED UP BY FAMILY IN XXXX XXXX. AT XXXX WE DECIDED TO SEND A LARGER AMOUNT USING THE SAME ACCOUNT AND RECIPIENT IDENTIFIERS AS THE PREVIOUS TEST TRANSFER. ON XX/XX/XXXX WE SENT {$300.00} THAT HAS BEEN REPEATEDLY REFUSED TO THE RECIPIENT FOR SKETCHY REASONS ( NAME IS NOT EXACTLY RIGHT ) AND DESPITE THE EARLIER SUCCESSFUL TRANSACTION. WE SUSPECT SCAM AND THEFT AND HAVE EMAILED W.U. ACCORDINGLY. WE ALSO FILE THIS COMPLAINT. THE ISSUE SEEMS TO BE NAMES. OUR SISTER HAS A COMPLICATED MULTI-PART NAME AS FOLLOWS : XXXX XXXX XXXX XXXX. WE HAVE TRIED TO SHORTEN IT FOR W.U. - OBVIOUSLY FAILING - OR BEING CHEATED AS A RESULT. DESPERATELY NEED HELP HERE. 

XXXX AND XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed MULTIPLE credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 & XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) Please remove these inquiries from my credit report immediately.
In XXXX 2015 I requested an annual credit report from Experian, XXXX, and XXXX. To this day I have not received a report. I would like to know the next step to take
When I first graduated college, I signed up for one of the income based programs. When my payments started, they were much higher than I had been quoted, about double. I paid for a few months until I could n't afford it and entered forbearance. When I got my paperwork confirming the forbearance, it said I had been in standard standard repayment instead of the income based. I signed the original paperwork, but no one at XXXX ( now Navient ) bothered to file it correctly. I did my homework, and now knew to the penny, exactly what my payment should be under the income based. I called to sign up for the income based for a second time. When I was received the paperwork, it again kept me in standard instead of income based. I called Navient and had to fight with a representative for a half hour, while they continually said I was wrong and just did n't understand the program correctly, until they finally admitted that they were looking at the wrong paperwork, and that my income based paper had " never been filed '', yet again. Now I 'm finally in the correct income based program. I entered the my loans into consolidation last XX/XX/XXXX. I have never missed a single payment. I recently went into my account to see how much I shave paid off loan is now about {$150.00} HIGHER than when I consolidated. Even though I 'm paying my payments online, every single month. This company just comes off as a complete scam. I 'm now looking to take a second job even though I already work full time at a XXXX, so that I can pay off these loans as soon as possible, instead of actually being able to use the income based program, because I ca n't trust Navient to not continue to lie, and XXXX up my account constantly. This is a company, that simply takes advantage of students. They should not have a single contract with the Department of Education. It 's criminal the way they are taking advantage of people by simply not doing their job and ignoring and not processing paperwork, and lying to the consumer.
Over the last 10 yrs I have faithfully paid appr XXXX in interest on a heloc. In XXXX I received a letter that the full amount was due in XXXX. In XXXX I called to ask about this and was told that the loan would be reassessed. I was not informed that the whole loan would be called. I did find in the original loan agreement that it would be called. I wish that in XXXX they would have disclosed that and not promised reassessment. I was informed in XXXX that I could not apply for hardship until XXXX when the loan came due. In XXXX I applied for hardship. I had XXXX interest only payment due in XXXX. I asked about paying it and was told it would just be sent back because it was not the XXXX that was owed. They told me not to pay it, that it would not be applied and that it would be returned. I keep getting a bill for it. I again asked the employee assigned to my case, XXXX, why I keep getting a bill of XXXX. She also told me not to pay it. I have been recently following my credit report. They have reported me as delinquent and they claim it is on the XXXX. I do not understand this. If I have applied for a hardship program, have been accepted into the hardship program, have made my trial period payments then why am I being reported as delinquent for 30, 60, 90 and soon 120 days? On this XXXX bill it asks for the XXXX and has a late fee of XXXX. When looking at the details it does not show my XXXX payment as going towards the XXXX. In the loan modification trial paperwork it states that if any late payments the XXXX would go towards those late payments. This first payment does not appear to have gone towards it. I feel that I was told not to pay the XXXX in order for them to put me in a position where I had no other choice but to accept their load modification. With reporting to the credit bureau that I am late they are closing all doors to refinance and get away from them. It feels like entrapment. I discovered today when researching my legal rights that when I was informed a few years back that my heloc was cut off because my house was no longer valued at the original value was illegally done. They cut off my line of credit, still reported to the bureau it was active at XXXX even though I only owed XXXX and they did not prove my house had decreased in value. My house was appraised at {$180.00} when I took out the heloc and again appraised at {$180.00} when appraised for this trial period. They cut me off with no justification or evidence. I am being dealt with unethically and unfairly. I want the late payments removed from all three credit reports. They are receiving their payments and have been receiving them faithfully for over 10 yrs. To advise me that a payment would be sent back twice and then report me as delinquent to the bureaus is against my fair credit reporting act. I demand this rectified immediately
I am tired of trying to fix problems with Navient f/k/a XXXX XXXX. I have spent cumulative weeks on the phone with their customer service over the last 8 years. Most of whom do n't even understand you because they do n't speak XXXX. And when you finally get through to them they ca n't help you because they are n't authorized. Enough is enough. <P/>Recently I noticed that I have the same {$6.00} unpaid fee appearing on my monthly statements. I pay the amount every month, and it never goes away. The statement does n't explain what the fee is for. But I keep getting charged over and over. It never disappears. From XXXX 2016-current ( the only statements available online ), that adds up in 8 months to over {$50.00}. For something that should have been {$6.00} and that I do n't even know what its for.
The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.
To Whom It May Concern : Chase Bank mailed an unsolicited credit card with a {$10000.00} credit access line and a {$2000.00} cash allotment. The card has a 14.9 % variable purchase APR and up to {$37.00} late fee. The card is issued through the amazon.com program. We want this card canceled. We are not Chase Bank customers.
On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.
My spouse and I applied for a home loan through USAA. I am a mobilized reservist currently on active duty. USAA issued a pre-approval letter and based upon that we looked for and found a home that meets our needs. We made an offer, which was accepted and currently are under contract to purchase the home. USAA had pre-approved us for {$250000.00}. The purchase price for the home is approximately {$230000.00}, well under the pre-approved amount. USAA subsequently rejected our home loan application and denied credit. However, during the application process, they provided a completed application form with incorrect data which we were advised by the loan processor to change and re-submit which we did. Also during the application process, the loan processor referred to us by XXXX different last names and provided a response that related to another person 's account, to include data related to that person 's home loan application. We provided all documents and information requested by USAA timely and completely. At the time of initial denial we raised concerns and asked for reconsideration. They reported to us that they re-looked at the loan then responded with a third reason for denial. However, at no time did they provide information with regards to the data they were using and whether it was correct. We have serious reservations as to whether they ever used the correct data to adjudicate our loan application. We also have concerns that they may have confused our account with another in light of the emails we received for other account holders. We also have yet to receive a written notification of denial, only XXXX informal emails. USAA representatives, to include management, are now unresponsive to any of our concerns despite professional and polite emails raising these issues.
I was attending XXXX XXXX XXXX with a personal trainer cause me to get tendentious in my elbow because they had me lifting XXXX weight and i should of started at XXXX and worked my way up. my doctor told me they didn't know what there doing because is shouldn't of gotten tendentious that still occasionally hurts to this day. I told them i wanted to end the member ship due to me getting injured and the company person told me no.
OnXX/XX/XXXX - connecting flight through XXXX- purchased small magnet and wooden doll - asked sales clerk who spoke perfect XXXX about the price - $ XXXXUSD - gave credit card and handed sales slip written in XXXX with the amount of XXXX rubles - upon return home, discovered a charge of {$340.00}, not {$40.00}. Disputed charge onXX/XX/XXXXand XX/XX/XXXX to Bank of America ( Case # XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) and received reply that ... '' By giving account number to merchant and/or signing sales slip, ( I ) authorized them to bill account for the amount in question. '' Bank of America failed to investigate my claim, failed to hold back the charge while they investigated the matter and on XX/XX/XXXX ( XXXX PST ) spoke to Customer Rep. XXXX XXXX  in Tennessee who said there was nothing they could do, even though this unauthorized charge violates the Fair Credit Billing Act and Bank of America refuses to do their job.
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I provided BoA with a copy of the sales slip -- -and this obviously is not the first time it 's happened to unsuspecting tourists. Sadly, BoA refuses to abide by the Truth In Lending Act and should be sanctioned for failure to follow the law.
I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.
XX/XX/XXXX I realize I was the victim of identity thief. 
Later I found a charge on one of my credit cards from XXXX and I can not find that charge on my account I had called and they said also they couldnt see that charge and I gave them the card number and it turned out to be it was off of my ex fiancs I found that Had been using my credit cards without my authorization I did make FTC Report I also made a police report multiple times Ive called synchrony they asked for me to send in the reports I sent FTC, police report a. Exparte and or US postal change your residence her name to my address for fax dates I sent XXXX XXXX XXXX XXXX XXXX .XX/XX/XXXX Ive callMultiple times I get hung up on I get transferred I get left on hold Basically they said that because packages were coming to the house that wasnt fraudulent thats why I showed them the change of address I work late dont come home till about XXXX or XXXX XXXX XXXXXXXX had to livered packages between the hours of XXXX to XXXX XXXX I get emails from them letters my XXXX XXXX had set them off on my account but Im still getting bills for it. XXXX XXXX
Equifax is showing every XXXX of my credit accounts as " derogatory '' and showing XXXX missed payment for each account. I have not missed ANY payments for ANY of my accounts.
Since XXXX 2014 have notified Capital One Bank about an account that is listed on my credit report that I did not authorize, nor have knowledge about. last correspondence was sent in XXXX of this year certified and received by XXXX. Capital One again did n't respond even though received proof of receipt. Have sent several correspondences certified, and all have been ignored. They have not removed this account from my credit report, nor have marked it as disputed. This is my SECOND complaint have filed with your office.
On XXXX XXXX, 2017, I filed a complaint against Nationstar Mortgage ( XXXX ). I still had questions and reached out to XXXX XXXX via e-mail on XXXX XXXX, 2017. I also left a message for XXXX XXXX XXXX to call me about my e-mail on XXXX XXXX, 2017 Below is the content of the e-mail I sent. On XXXX XXXX, 2017 at XXXX To : XXXXXXXXXXXX Cc : XXXX XXXX Nationstar Reference Number - XXXX Hello - XXXX XXXX . Ive received the response pertaining to my complaint to CFPB. I called your number because I still have questions, but your phone kept ringing with no voice message option. I have a few questions. I see you are listing the shortage as {$770.00} with an extra monthly payment ( if I chose to go that route ) of {$64.00} more on my mortgage payment. Which would make my payment {$1500.00}, starting in XX/XX/XXXX. When did the shortage start and how much was it? What was factored in to get to the shortage amount? Is the two months of reserves factored into the shortage Why is my payment for XX/XX/XXXX {$1600.00}? My XXXX is due in XX/XX/XXXX. Is Nationstar paying that? Im requesting to be able to pay my city taxes and XXXX. How does that work with the shortage?
Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have disputed and asked for validation of XXXX accounts from falls collection service. they have not sent the required documentation to me per the fdcpa. i do not owe this company money, nor did i sign a contract with them. as a result of me asking for the validation, THEY CHANGED THE NAME TO ANOTHER COLLECTON AGENCY AND RESUBMITTED TO THE CREDIT BUREAUS. I checked the addresses of the XXXX companies on multiple credit reports and they were the same ... FINCNTRL SVC XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX and FALLS COLLECTION SVC XXXX XXXX XXXX XXXXWI XXXX XXXX. THIS IS DECPETIVE AND UNACCEPTABLE. I WILL BE REPORTING THIS TO ALL GOVERNMENT AGENCIES AS IT IS ILLEGAL
I had XXXX credit cards with USAA, XXXX accounts i paid off and closed those accounts, I kept the XXXX account and again paid it off, yet they continue to hold my funds long after they received them via ACH. I called was told " Well even though you have a great credit history with us, and paid off the XXXX accounts you closed '' the open account in which you also paid off, we hold the money as long as we can '' i asked why now? was told thousands of people pay large amounts on there accounts but USAA holds them as they can make interest on holding thousands of payments by our customers, thus you can NOT access your funds for about 10 days even thought we have had your full payment we can make interest by holding customers. I was told today 4 different stories on this problem.
I got a letter dated XXXX XXXX XXXX regarding a debt I did n't owe.I identified the account was some sort of identity thief ... .Someone had been using my name around the city without consent ... I cotacted Procollect and allowed them the Police report and letter disputing this account.I keep accurate credit with a 700 plus score.I do n't intend this harm my credit any longer. I have asket this company for a legal address for service of a legal law suit.. this company have n't sent documents signed in my name or any request for there address.I submitted this several time via fax.