WillisBack/dataset-financial-user-claim huggingface dataset:
I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.
I received a letter from the collection agency called Affiliated Creditors inc stating due to tax season they were offering a settlement. I called XX/XX/XXXXand paid the agreed Settlement amount which was 75 % of the balance owed. Once paid the settlement amount I recieved a confirmation number as that debt was settled. On XX/XX/XXXX they have now reported this to my credit report as I only paid 75 % and still owe a remaining balance of the difference. So it is now showing on my credit report as a debt in collections that I still owe on. Which has effected my credit report.
On my Experian credit report I disputed   XXXX   XXXX   XXXX    account and it was deleted in   XXXX   XXXX  . It showed back up on my Experian credit report around   XXXX   XXXX   XXXX  . According to FCRA rule  1681i I should  have been infromed by a 5 day letter which I never received. So on   XXXX   XXXX   I called Experian and asked to verify the dispute and the deletion which they did at which time I informed them about rule  1681i  and at which time the lady could n't find any information on the 5 day letter being mailed so she put me on hold back and forth for about 20 minutes at which time she took my phone number and said her supervisor  XXXX  would call me back on it shortly after but I never received the call from her. I called back she was in meeting lady said she would send document to remind her to call again never heard from her.They could not come up with any information on them mailing me the 5 day letter of reinstatement. So I want this item deleted from my credit report as according the FCRA rule 1681i the process they were to follow was n't and should be deleted.        15 U.S. Code 1681i  - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information  may  not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.    ( ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.    ( iii )  Additional informationAs part of, or in addition to, the notice under clause (  ii  ), a consumer reporting agency shall provide to a consumer in writing not later than  5  business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ;  ( II  ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and  ( III )  a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
I am in possession of a mortgage statement provided by JP Morgan Chase, from XXXX, 2006. I am also in possession of escrow statements from JP Morgan Chase, for the life of the loan. I am curious to how requests for statements prior to XXXX, 2006, are unavailable. The statement sent to me, by JP Morgan Chase, came from an internal system. The internet address is at the bottom of the statement page, but not the escrow statements. I have attached documents, in support of evidence.
I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with State Farm Bank. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and XXXX  has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX  confirmed the identity theft and deleted the State Farm Bank account as well. Both XXXX  and XXXX XXXX show my credit history as excellent. XXXX  is being duped by State Farm Bank as they state that the fraudulent account is valid, which is a joke. State Farm Bank is in violation of the subscriber agreement they have with XXXX  pertaining to accurate reporting. Each day that State Farm Bank carries this item on my XXXX  report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if State Farm Bank continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
I have had a credit card account with Capital One for almost 10 years. For the last several years ( 4-5 years ) there has been a {$0.00} balance on my card. I get my statements every month to my email and look at my account to make sure there is no activity on the card. I have the app download and use it regularly. Yesterday, XX/XX/XXXX at XXXXXXXX XXXX I received an email : " It 's been over four years since you 've used your credit card account ending in XXXX. As a result, your account has been restricted as of XX/XX/XXXX, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed ''. 
I called Capital One and spoke to 4 representatives on the phone trying to clear up this obvious misunderstanding since I did not receive any notification my account was in danger of being closed prior to the account being shut down. I spoke with 4 representatives including 2 managers ( XXXX and XXXX ) who told me the decision was final. I asked to speak to their managers or someone who would be able to assist with this issue and they told me I could hang up and call back to talk to someone else or I could write a letter. There was no one in the company that could reverse this decision. I asked both XXXX and XXXX if I could get a copy of the signed agreement that Capital One had that said that they had the rights to close my account without noticed. Both " managers '' denied my request. They did both tell me that could rerun my credit and I could open a new account. 
This issue hurts my credit due closing a line of credit and reducing my available credit and closing my longest revolving account.
I had a credit card issued by my credit union. Since the credit limit was so small, i almost never used it and it was sitting in my safe for a year. I was checking my credit scores online and noticed I had a missed payment on this card so I tried to go online and see what it was, since I had n't used the card. My online account was locked out because by this time I was in collections. At least this is the reason i eventually got. I made several calls trying to clear this up and it went into a fraud investigation. By the time they did anything about the fraud charge, now i have XXXX missed payments on my credit report. I called a XXXX times and sent a dispute letter to try and fix this problem, to no avail. The response I got back was that the account is not reporting, but when I look on XXXX, there it is. The last call I made to them got the usual transfer around and then to a voicemail box I have n't heard back from. This it typical, usually i finally either get lied to that it is fixed or transferred and hung up on. I got the card through XXXX XXXX XXXX XXXX, it is serviced by XXXX XXXX XXXX, which I think is part of US Bank. If I had known the credit union was n't servicing the account and would n't help me with any problems, I would never had accepted it.
Someone transfered {$2400.00} from my chase account to XXXX XXXX account on XX/XX/2017. I filed identity theft report to XXXX and they have completed their investigation and closed the account. I never received the money back from XXXX. Chase claimed that XXXX never transfered the funds back, therefore, I am responsible for the money. Since then, it has been more than a year, I can not get the two banks to work together to resolve the issue. I still lose my money.
I had no notification that this debt was in collection. I got no communication from this company. No phone calls messages or letters in the mail. My rights to dispute were violated and this went straight to my credit report. I am 100 % disputing this debt.
I have had a visa credit card account with Bank of America for 18 years. On XX/XX/2018 for the first time ever, I noticed fraudulent charges on the account for a total of {$330.00} by two companies XXXX & XXXX XXXX XXXX. I reported this to Bank of America, my credit card number was closed out and a new number issued. The fraud claim was investigated by Bank of America and the charges were credited back to me. On XX/XX/2018 I noticed new fraudulent charges from XXXX  again for {$100.00} ( note that I have never used this vendor for any services ) and after calling Bank of America I was told that the reason I am charged again is b/c both Bank of America and XXXX participate in a program offered by Visa  called " VISA XXXX XXXX '' where the bank automatically transmits new credit card numbers to Visa and Visa transmits it to vendor ( in this case XXXX ) to avoid disruption in subscription/service if a customer 's credit card info on-file changes. So instead of a customer directly calling a vendor to update his/her credit card info, Bank of America automatically does this service, WITHOUT giving the customer an option to opt-out of this service. In my case, the unfortunate situation is that someone fraudulently used my credit card information to open 6 separate accounts with XXXX and even though I closed that card number, Bank of America keeps transmitting my new number to Visa  and Visa to XXXX. Many financial institutions ( XXXX XXXX and credit unions for example ) do offer customers an aption to " opt out '' of " XXXX XXXX XXXX '' but Bank of America refuses to offer this option. This practice is not fair to consumers and in cases of fraud, like my situation, can result in fraudulent subscription accounts getting funded indefinitely unless the victim of fraud is forced to close his/her account with their credit card account holder. Bank of America also refused to block this particular vendor so future charges no longer appear simply b/c I did not authorize the charges to begin with since they are fraud charges.
I have reason to believe that a fraudulent account ( s ) have been opened under my name. I have received several emails from Wells Fargo over the past couple of years to proved this. The emails have been coming to me on a fairly regular basis, which includes as recent as this year, 2016. I have attached a copy of one such email that I was able to retrieve. The emails have been coming from varies different senders within the organization. Since I do not know what type of account the email is referring to, I will place it under " Other bank product/Service ''. The email address the messages were sent to over the past few years is : XXXXXXXXXXXX.
When Citibank took over the credit card business of XXXX from XXXX XXXX, they sent me a bill for {$380.00} I have always paid my bills on time, and I had just paid in full my Citi XXXX XXXX bill. The bill arrived with interest charges for late payment. I immediately called XXXX. This was clearly not accurate. I worry that people without my wherewithal would not be able to pick up the phone and force Citibank to return their unfairly charged interest or late fees. My balance was {$280.00}. But when I closed my account Citibank charged me {$380.00}. Citi charged me for a new membership at just the time when I was canceling the card, which they informed me automatically cancels the membership. They charged {$110.00} for a XXXX membership with Citibank. Citibank has had my {$110.00} now for over a month. They are unethically and deceptively benefiting from false charges like these because they charged me a membership fee for a membership that I could never use if I canceled the card. I am sure I am not alone in this situation.
On XXXX XXXX 2016 and XXXX XXXX 2016 I sent a certified debt validation letter to Credit Collection Services. They did not respond to either letter and have now violated Federal Law under the Fair Debt Collection Practices Act.
Hello, this is regarding MC issued by XXXX XXXX : acc. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I bought an online ad placement on XX/XX/2016. Shortly after that the website disappeared. I called the number on the email receipt, I was promissed a refund of {$190.00} the next month and the next month. Finally I called XXXX XXXX. They claimed if was over 6 months ago and they can do chargeback but I would have to write the letter. After they asked me for other documents they I promptly faxed and mailed, after few weeks they denied my chargeback : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for contacting XXXX Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2016 {$190.00} XXXX XXXX XXXX Due to the age of the charge, we have no options available to obtain a credit for you. 
Thank you for contacting us. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE. 
XXXX They have my money and merchant is still processing with XXXX, so why they refuse to chargeback for the service I paid for 18 months for and I got nothing? I hope you can influence their Dispute Department as this is clearly nor fair to leave consumer with the money gone and no help from my credit card issuer. Thank you. 
XXXX XXXX.
I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 
I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.
On XX/XX/XXXX my XXXX Credit Card account was breached and charges were made to my account. XXXX acknowledged the breach and refunded the funds to my account. On XX/XX/XXXX I redeemed points for cash on my account and noticed there were points used to purchase " XXXX XXXX XXXX XXXX XXXX XXXX '' shipped to XXXX XXXX XXXX XXXX OH XXXX. This purchase was executed on the same day of the breach XX/XX/XXXX. The CC breach consisted of a XXXX purchase of a laptop which through my investigation was shipped to the same address. On or about XX/XX/XXXX, I requested XXXX credit my rewards account the XXXX ( which is equivalent to {$230.00} ). The fraudulent points purchase was the same day as the fraudulent credit card purchase. XXXX has acknowledged the points fraud occurred the same day the credit card fraud occurred but decline to replace the points. I have appealed their decision 2 times and then sent it to the BBB to which I received a letter acknowledging the breach and the correction of the CC charges but denial to credit back the XXXX points. Coincidentally, the shipping address is 13.8 miles from XXXX. Additionally, they elude to the breach being a result of something I did. I access my account through a protected, firewalled system because I own a business that is regulated by the SEC and the Insurance industry. I believe the breach occurred from internal mishandling of information, which resulted in the breach of my online username and password which allowed the criminal to logon to my account, change my mailing address to the address listed above in OH and then order products shipped to that address. When I asked XXXX for the IP address from which the person logged onto my account they declined to provided, I can only assume to protect themselves from a MAJOR breach announcement, I can also only assume this is no an isolated incident.
My car was repossessed this morning! It was a shock because I never receive any notification, not by telephone call, not a single mail, just nothing out of the blue. We have been faithful in our payments, never missing any. We have set up an automatic monthly payment. I called the car loan and they said I am 90 days overdue. 

I suspect this may be due to a bank merger, my bank changed to a new bank. That is where automatic monthly may mess up. But what I am furious about that there zero communique at all! When I called the bank, I found out that they had my old address and telephone number on the record. I called them two years ago to update my new address and telephone number. They have been deducting my payments without any problem since I updated my address & telephone.
In XX/XX/XXXX I took out a spousal consolidation loan. The original balance was {$50000.00} with monthly payments of {$220.00}. The loan was a graduated loan that went from {$220.00} to {$900.00} and I was unable to pay the loan as I and my wife were working for XXXX. 


The loan went into default and the balance was accelerated from {$50000.00} to {$160000.00}. The current balance includes {$48000.00} in unpaid interest and over {$60000.00} in fees. 


My wife and I divorced in XXXX but the spousal consolidation can not be divided. My original student loan debt was {$17000.00} and my ex-wife balance was {$23000.00}. 


The terms of the spousal consolidation loan were not clear. The fees charged are usurious in nature.
To Whom It May Concern : I 'm writing this email hopes that one of you can escalate this issue to the right resource within your organization ( Wells Fargo XXXX that can truly help me as I 'm extremely FRUSTRATED with Wells Fargo 's customer service to date and this is my last resort. 

I 've had a terrible experience with Wells Fargo customer service to date, starting back XX/XX/XXXX when I initially put an offer on my home. 

The email below from a Wells Fargo representative is a perfect example of this experience and I 'm reaching out to one of you to help me get this resolved. 

I 'm trying to close on a FHA refinance and the case number in the FHA portal is being held by Wells Fargo. In XXXX of this year I reached out to Wells Fargo to initiate a streamline. Near the close of my transaction Wells Fargo ask me to come out of pocket with over {$2900.00} to close on the loan and this was not something that was communicated to me back in XXXX when I initiated the transaction so I decided at the end of XXXX to cancel my loan with Wells Fargo and go with XXXX Texas XXXX. 

I 'm very frustrated and hoping this issue can be resolved as quickly as possible. 

1. Wells Fargo has delayed transferring my case number to XXXX Mortgage of Texas XXXX, thus causing me unnecessary XXXX and hardship. I 'm writing this email while at work as an example of the inconvenience this has caused me. You can confirm when I started this process in the attached email. 

2. After determining that Wells Fargo would require me to come out of pocket for a FHA Streamline when we were ready to go to doc 's I decided to evaluate my options and now Wells Fargo is yet again holding up my FILE. See attached HUD where I had to come out of pocket for a streamline, when I was told that if I got an appraisal no out of pocket would be required. 

3. When I finally closed on the initial purchase LOAN back XX/XX/XXXX with Wells Fargo after a XXXX month escrow and multiple rate lock extensions charges on my loan, I had to come up with an extra {$2500.00} to close to pay for RATE lock extensions that were not my fault. 
I 'm just a hard working CITIZEN trying to provide and feed his family and these issues have caused a TREMENDOUS amount of XXXX on ME. 

Thank you for taking the time to read this. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXXXXXX
The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.
Unceasing contacts from XXXX different 'collection agencies ', from XXXX different phone numbers. Calling my office ( number provided ), my cell, have called my spouse at work, my inlaws on home and cell, my father in New Yourk, and sister-in-law in New York. They identify themselves, but refuse to say who they are calling on behalf of unless I affirmatively identify myself with SS #, date of birth, or some other 'personal ' information. Tried once to get them to stop after they got to my wife at work, but insisted on my affirmative identification in order to 'change my contact information '. Calls from second number/company seeking 'employment verification ' for me. The call to my father got a little further, as he and I have the same name ... so when asked, he 'identified ' himslf by name and they did tell him what it was for and for how much. My office assistant has to field these calls daily, and that is embarassing as well.
According to Transunion report number XXXX The following addresses have been PREVIOUSLY reported incorrect and are still showing XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX The following Inquiries were not made by me and have been requested many times to be removed. 

XXXX ). XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX DC XXXX XXXX/XXXX/XXXX
Disputed previously with Transunion. 
XXXX XXXX Reporting is outside of the statue of limitations. Date opened was XXXX/XXXX/XXXX. It is XXXX/XXXX/XXXX. In the State of Ohio, a debt can only be reported for up to 7 years. This has been on my report now for 8 years and 11 days. I want this removed from my credit report within 24 hours, and a reward of {$25000.00} for Defamation of Character.