WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar approved XXXX XXXX for a hamp 2 mod. Letter dated XXXX XXXX to begin XX/XX/XXXX. XXXX XXXX did not receive letter. I called attorney XXXX XXXX for copy. Got it XXXX XXXX. XXXX XXXX makes payments directly from her XXXX payroll. She had to instruct XXXX payroll of her new payment amount. This took 2 weeks for XXXX to process the new payment amount. Payment was to be {$630.00} XXXX payroll multiplied XXXX by XXXX then divided by XXXX to get the amount to be taken out every pay. Even though that amount would be less than the XXXX every month Nationstar actually got more than the XXXX every month for XXXX months. Nationstar received XXXX pays in XXXX. XXXX x from payroll datedXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$260.00} for a total of {$800.00}. Then payroll payments in XXXX XX/XX/XXXX & XX/XX/XXXX of {$290.00} totaling XXXX, At the end of XXXX Nation star received XXXX when all they needed was XXXX. Then payroll payments of XX/XX/XXXX & XX/XX/XXXX of XXXX totaling XXXX. So Nationstar did receive {$1900.00}, whereas they only needed XXXX by the end of XX/XX/XXXX. I do believe they met the HAMP trial plan payments, even though the payments were partial payments. The Permenters demonstrate the ability to make the payments and should therefore honor the trial plan payments and provide a permanent modification under hamp 2. Also there are checks made payable to Nationstar on XXXX checks from XX/XX/XXXX. XXXX needs a written authorization from Nationstar to void these checks and disburse money to XXXX XXXX This was requested on XX/XX/XXXX. Nationstar still has not provided that written authorization. Had XXXX XXXX received the written authorization she would have had the money to make the full payment herself instead of using the XXXX payroll to submit payments.
I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX Hospital opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.
Currently have federal student loans through ACS and trying to consolidate multiple student loans into a Direct Consolidation loan. Upon completion of application through the Dept of Education my consolidation was denied becuase my current servicer, ACS, stated that I had XXXX balances on all my student loans. Per my National Student Loan Data System report my current balance is {$140000.00}. ACS is preventing me from consolidating my student loans.
I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
XX/XX/XXXX & XXXX XXXX XXXX lies to me stating Navients 3rd party admin Minnesota/XXXX denied my XXXX XXXX XXXX XXXX claim. When I requested the denial documents from Navient they ignored my emails. 
XX/XX/XXXX I received correspondence from Navient stating unlike federal student loans, private student loans are not entitled to discharge in the event that a customer becomes XXXX XXXX. 

XXXX & XXXX I repeatedly requested payment assistance due to me being XXXX with no income and was mislead me into short term payment option, instead of long term solutions. 

XX/XX/XXXX I applied to have co-signer removed and was denied because of financial & credit challenges. 

Navient never notified me of the requirements or my eligibility to release co-signer, when I was repaying on time with perfect credit.
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX XXXX on the dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), CONTEMPORARY INFORMATION ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX)
Contacted XXXX time on XXXX/XXXX/16 regarding a debt for {$800.00}. I spoke with the collector telling him I was unemployed, but would try to set up a payment plan when I get some income. He said he would note the account. XXXX/XXXX/16 I was contacted again by the collection agency telling me that I had a debt and it needed to be paid. I told this collector that I had already spoke to another guy at his company and if he would have read the notes he would have seen that I said I 'd call back whenever I was able to pay them and I instructed him to not contact me again. He was very rude telling me i needed to explain my situation to him and i again told him that it was in my account notes in their system. He said let me give you a number where you can call us back, and I said no thank you I will look the number up when I call back. XXXX/XXXX/16 I received another phone call from a collector regarding this same debt that I had already told them to not call me back. I am being harassed over this debt when I have no possible way to pay it at this time.The XXXX collector I spoke with was very nice and understanding, they just keep calling me. I know my rights and the laws and they are violating them. 

Hunter Warfield Collections XXXX, Florida
SEE CFPB COMPLAINT :  XXXX . Once again, Bank of America,  XXXX ,  XXXX , etc are contriving false information. They ignore the real complaint filed and are attempting to reply to another property while ignoring MANDATORY responses.
Portfolio Recovery calls with different numbers from XXXX XXXX to XXXX XXXX numerous times a day. They do not indicate what the debt is or who they are calling for. I have received no written notification other than repeated calls from them using different phone numbers for at least a year.
I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country
XXXX XXXX/Global Credit work together, at least at times. XXXX or all of these XXXX ( I believe XXXX XXXX ), submitted my name to the XXXX credit bureaus as a negative " no payment ''. All XXXX credit bureaus now have a negative report on me. This is completely unfair and incorrect & below is why : Either someone has fraudulently opened a XXXX card in my name or XXXX XXXX/Global Credit has improperly done due diligence. About a year ago, a XXXX credit application was opened in my name. A small charge of {$38.00} was made. And for continual months thereafter - the XXXX bill was sent to another city with a different zip code! Thus, I never received a bill, and thus I never even knew a bill was supposedly due. Fast forward till now. I do a credit report and find out that my credit is tainted, and at all XXXX credit agencies. I call around & find that Global Credit has been in charge of collecting. But, they have NEVER called me, and I have never received a bill! I 've called ( beginning in XX/XX/XXXX ) Global credit and requested original credit application documentation, and continued calling them every XXXX weeks, and as of yesterday XX/XX/2015, they still do NOT have any supporting documentation of the credit card application. They have also confirmed to me that this XXXX bill was sent to a different city & zip code and NEVER to my address. Yet, in spite of never sending any bill to me, to pay, evaluate if mine, etc., they have gone right ahead & posted a negative credit rating XXXX all three credit agencies )! This is outrageous. You see, supposedly this account is registered in my name. But with a different city & zip code. Hence, I 've NEVER received a bill. Yet, they 've had the audacity to file a negative credit report against me - when this account is either a fraud account or has been mistakenly ( on their part ) mailed incorrectly to some other location and city. And the original bill was only {$38.00}! My credit history has been impeccably kept amazingly excellent over the years. I ALWAYS pay my bills and on time. But, I do n't pay for others ' bills, or for bills which I know nothing about, as I never receive a billing notice. Anyway, I 'll not quit till the XXXX credit reporting agencies have all cleared my credit history. And, I will demand from XXXX/XXXX/Global Credit a letter of apology, as they have done a huge mistake and error in judgement. Anything short of this, will result in legal recourse.
I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, Tranunion, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
On XX/XX/XXXX I have used the on-line transfer feature provided by WellFargo and transferred an amount from my checking account with Wells Fargo to my loan account with Wells Fargo. The site provides a feature that allows customers to pay towards the principal of their loan and this is what I did. On XX/XX/XXXX I have paid the whole principal balance on my mortgage. Being an online payment between accounts with same bank the payment showed up instantaneously and the principal balance of my mortgage became XXXX. I understand at that time that there will be an additional interest due to pay for XX/XX/XXXX and a {$10.00} recording fee and that is why I requested a payoff amount. The payoff statement arrived by mail 5 days later and it showed an additional amount due of {$490.00} which I completely agree to pay. 
However, two days later I have received another statement from Wells Fargo in which they requested additional interest because for some reason they said they did not receive the payoff amount in time. 
I have called them and tried to explain them that as of XX/XX/XXXX my principal was XXXX and therefore they can not charge me any additional interest after XX/XX/XXXX. I do agree to pay the interest due as of XX/XX/XXXX but no more than that. I have opened a case with their so called " executive care team '' but nobody got back to me with a resolution yet. 
At this point I would like to report this to the government agencies in charge with overseeing the mortgage industry as per my understanding it is illegal for an institution to charge interest for the period of time when the balance on the account was XXXX. 
Please feel free to get back to me by email at XXXXXXXXXXXX or cell at XXXX in order to obtain more details on this case.
I get repeated " Annual Occupancy Certificate '' statements forms to fill out as terms of my Reverse Mortgage with Champion Mortgage and when I do send them in, they send another one within a month stating it is 2nd notice and I sent in the first one within one week of getting the first form. Even though I sent it back via their fax # and at same time, sent it via US Mail. 
When I called their customer service # and spoke with a guy known only as XXXX, he sated the records show receipt of my from from XX/XX/2016. But when I asked why they sent me a 2nd notice dated he said only that he guessed that the forms must of crossed themselves in the mail. But when I pointed out that there was a good 2 weeks from their receipt of my first form, he had no other explanation even though I asked for an answer as to why they did this. Upon doing a search of complaints about Champion Mortgage I found many, many complaints against them for shady practices such as setting up people to look like they were out of compliance on their loan and they were foreclosing. 
I have sent a letter to them asking for a response about why they send the same form to be completed when they know one has been submitted and received. I will attach a copy of that letter. 
After seeing all the complaints about this company I am very scared that they are setting me up for a false foreclosure and use this as an excuse to do so.
When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like Equi-fax, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last Equi-Fax provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information.
I hereby Authorize to take necessary Action against Fraudulent.
I have requested the Consumer Financial Protection Bureaus assistance in investigating direct deposit reversals from my account to determine if they were Unauthorized Electronic Fund Transfers. 

In monthly bank statements provided to me by the bank I identified more than $ 10K in direct deposit reversals. 

When I looked up the guidelines for when direct deposit reversals are permitted I found the Federal Reserve Regulation E Supplement I to Part 205 -- Official Staff Interpretations : 5. Reversal of direct deposits. The reversal of a direct deposit made in error is not an unauthorized EFT when it involves : i. A credit made to the wrong consumer 's account ; ii. A duplicate credit made to a consumer 's account ; or iii. A credit in the wrong amount ( for example, when the amount credited to the consumer 's account differs from the amount in the transmittal instructions ). 

The originator never made any of these claims when asked about the reversals. See the attached documents. 

Because these were unauthorized withdrawals, I would like the bank to return the withdrawn funds to my account and prevent the originator from performing any further withdrawals from my accounts.
Mortgage was released from a Chapter XXXX bankruptcy in XX/XX/2018. Arrears during the bankruptcy process {$22000.00} were paid on XX/XX/2018. Ocwen assessed on XX/XX/2018 billing statement {$1300.00} for foreclosure fees. XXXX XXXX Florida has no record of any foreclosure filing.
I have been trying to have my XXXX mortgage company Select Portfolio assist me with having my XXXX mortgage subordinate since XXXX 2015. My XXXX lien holder submitted the paper work on XXXX XXXX, 2015 I spoke with a agent of Select Portfolio who indicated the paperwork was received and would take five days for review. I was informed by a agent of Select Portfolio on XXXX XXXX that my case was closed out because we fell to send them paperwork that was requested. ( Here is the problem ) The same day that Select Portfolio request this information they updated the notes in my file stating what paper work is needed they then close out the request without me or my XXXX lien holder ever receiving the information. I am assigned a case manager XXXX XXXX but as of this writing I have never spoken with her, she has never contacted me and my request to speak to her have been denied. On XXXX XXXX, 2015 after speaking with XXXX XXXX in the ombudsman department she attempted to assist me by having me send all of the requested documents to her directly and she would walk my paperwork over to the supervisor of the subordination department. On XXXX XXXX, 2015 I spoke with XXXX XXXX who informed me all the documentation was received and delivered to the Subornation Team and again it would take them five days to review. I contacted Select Portfolio on XXXX XXXX, 2015 to find out again my request was closed do to paperwork being requested by me. Again I was never contacted by any agent of select portfolio nor was my mortgage company notified. At this point, I have no choice but to believe Select Portfolio has any interest in helping us with the modification of our first mortgage. If this modification is granted we will see a {$500.00} dollar deduction in our first mortgage which will have no adverse effect on my payment obligation with Select Portfolio. However I will not be able to succeed in making this happen because Select Portfilo ( XXXX lien holder ) has to sign off on the agreement in order for this to happen. I am seeking to make a complaint against the company for above matter.
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of XXXX as of XXXX. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the XXXX XXXX is upward of XXXX states including my XXXX XXXX, debts that do no derive from consumer credit transactions should not be reported to CRA XXXX credit reporting agencies XXXX. TransUnion, XXXX, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider XXXX XXXX of XXXX XXXX XXXX
The Seterus billed for {$860.00} due for XX/XX/2015 which I paid on XX/XX/2015 as of XX/XX/2015 they still show me past due for XX/XX/2015 I have talked with XXXX different people with no help. I ask to talk with a manager they refused. I also ask for an escrow updated which they never sent. This company does n't know how to service a mortgage loan.
I signed up for a bank account with Well Fargo. There was an introductory offer that if I made 3 consecutive direct deposits of {$500.00} or more for 3 months, then a {$200.00} sign up bonus would be applied. I met those requirements but did not see the bonus by the time if was supposed to show up.

I then contacted Wells Fargo the service rep stated I met the requirements but the service rep said they would not pay it. To quote the service rep precisely : Mr. ________, I reviewed your account and our records show that the requirement of the campaign were met and we are therefore not able to issue the promotional credit.
Experian Credit reporting Agency is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I  sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to Experian, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.