WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Chase, XXXX - raised more questions it appears dual process took place between WAMU and XXXX during the XXXX transfer to Chase. My attorney has no record of Chase as servicer. 
I am providing documents of ERRORS as requested Continuous Errors and mistakes - until present discovery Chase you asked for documents to provide more clarity of errors, mistakes by XXXX - attached please explain the documents or errors and my rights to redeem due to errors and mistakes- which documents are considered VOIDABLE and or VOID
Worldwide Asset XXXX, LLC has garnished my entire paycheck for the next three months. Everything I make after taxes is to be sent to them by my boss. This leaves me with XXXX income, how am i supposed to live? I do n't even remember what this debt is from, and i do n't remember charging such a large amount, ever.
We applied for a refinance loan with Capitol One. We have been in the process for over four months and the underwriter has stated she will not give us a loan and does not want to work on our file any more- she will not deny us the loan because we qualify! We have a very high fico score we have never even had a late payment our whole life!! So She keeps giving us list upon list of things to answer or submit! We answer her questions and she comes up with new things- even down to making us explain properties we DO NOT own or explaining the same thing over and over again! We are now AGAIN being asked for more stuff- she is now asking for {$75000.00} dollars extra??? that goes against their agreement and good faith estimate as well as I believe their policy ( she is calculating it wrong on purpose ) she is asking for explanations we have given before and asking for lease agreements on properties we do n't rent or own ( and have explained that before ). She is also co-mingling our corporate business with our personal funds. We are being discriminated against!!!! I 'm not sure if its because of our ethnicity or religion?? The loan representative said we should not be going through this and was told by others in the company that this underwriter does this to many people! I 'm curious if the loans that she stops working on or delays with ridiculous conditions ( until they go elsewhere to get loan ) have a similar connection ( race, religion ) as that is what she can see- our name or where we donate our money too! We have spoke to and submitted our documentation to other loan institutions and they say this is a simple loan that should have funded a long time ago! I am complaining ( which I normally would never do and have never done in my life ) because I truly feel we are being discriminated against and I wonder how many other people this underwriter has done this too! I can NOT believe Capitol One is doing this to people!
Ok so I had about 46 dolllars in my checking account for a pending gas station fill up which costed {$42.00} the payment went through but out of no where a automatic transfer of XXXX dollars ( think the branch set it up with out tell me ) from my checking to savings happen costing me XXXX dollars in negative including the XXXX dollars overdraft fee called abd they kept saying that they can't do anything try asking th person who is also linked in my bank account. What annoyed me the most is that I set up the bank account on the XX/XX/XXXX and had a random automatic transfer set up with out tell me leaving me with a over draft fee
XXXX XXXX has contacted me on XXXX occasions. XXXX time stating I owe on a loan. An must take care of in timely manner before court. ( call on XX/XX/XXXX ) XXXX call was asking what I have decided to do to resolve issue. I told them it was n't my debt. She told me good luck. ( call on XX/XX/XXXX ) Then received a message stating I had XXXX to make a statement on my behalf. ( call on XX/XX/XXXX ) I have also received a email stated the debt I owe. They also have some of my personal information. I asked when the loan was deposited and when payments where missed. They could n't address that information they told me. I have called cashnet to double check on any loans. They stated the last loan I received was in XX/XX/XXXX and had been paid in full. An then offered me a loan which I refused.
A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.
In XXXX 2016, Credit Protection began reporting a collection account for XXXX XXXX in my name. They have it listed that my delinquency began in XXXX 2016, yet that I was still paying in XX/XX/XXXX, when they began reporting. The inconsistency in the dates alone seems to point to an error in their system. Whether in accepting collection accounts, or in reporting them. I have attempted to dispute this collection account with them, as I should owe nothing to XXXX XXXX, but they have continued to verify it as accurate. They also never informed me of the collection in writing, so I was unable to dispute it before it was able to tarnish my credit. It has been a year now and the account is still negatively affecting my credit score.
I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. XXXX  is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how XXXX got the information to report it.
Back in 2013 I was out of work because of a XXXX and I fell victim to XXXX for {$640.00} and now I 'm being sued from the real company do n't know what to do
I wired a payment of {$58000.00} to Nationstar Mortgage on XXXX XXXX, 2016 at XXXX this payment was not applied. My first attempt to correct this error was a phone call to XXXX Nationstar Mortgage customer service line on XXXX/XXXX/16 @ XXXX this phone call was received by a customer service agent, XXXX at ext. XXXX which lasted 16 min., 28 sec. XXXX acknowledged the mistake of the payment not being applied to the correct account and that this would be corrected and taken care of within 3 business days. There was a Collection call from Nationstar Mortgage to the borrower on XXXX XXXX, 2016 which prompted the borrower to call and alert me that the error had not been corrected. I immediately called Nationstar to check on the status and spoke to a customer service agent XXXX at ext. XXXX which lasted 37 min., 41 sec. Per XXXX, XXXX did nothing to rectify the error but she would send to the appropriate division and the error would be taken care of in 3 business days. I called Nationstar Mortgage 3 days later on XXXX XXXX @ XXXX and spoke to XXXX at ext. XXXX she told me that the error was not corrected which prompted me to speak to a manager. I was transferred to XXXX XXXX at ext. XXXX. Per XXXX, he sees the error and will correct within 5 business days. I called and left a message on XXXX voice mail XXXX XXXX @ XXXX no return call so I called to leave another message on XXXX voice mail XXXX XXXX @ XXXX but I was disconnected during the transfer. I called back and left a 2nd voice mail for XXXX on XXXX XXXX @ XXXX No return call so I called and left a 3rd message for XXXX on XXXX XXXX @ XXXX I received a return call from XXXX on XXXX XXXX @ XXXX this phone call lasted 12 min., 4 sec. Per XXXX, the error is being corrected but some of the funds are " missing. '' I told him that I have a wire confirmation of the amount received by Nationstar and if funds were " missing '' then it was Nationstar 's responsibility to find the funds but in the meantime the payoff should be applied to the borrowers account so it shows paid in full. I also told XXXX that I would file a complaint with the CFPB if this was n't rectified immediately. XXXX XXXX, 2016 the borrower came in to my office with a final notice to obtain insurance and a mortgage statement showing the error still has not been corrected and that Nationstar is going to force place hazard insurance on this mortgage loan. The statement shows that there is still a balance of {$2600.00}.
I have contacted the 3 Credit Bureaus ( XXXX, XXXX, and TransUnion ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.
I have an unverified account from NATIONAL SER. I had previously disputed this account. I have never done business with NATIONAL SER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NATIONAL SER Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I originally received a letter from Receivables Outsourcing, LLC ( formerly ROI ) XX/XX/XXXX stating I owed {$520.00} due to an unpaid medical bill. XX/XX/XXXX I contacted the company to verify the debt and the amount I owed was reiterated for {$520.00}. I contacted the debt collection agency the bill was sold to XXXX XXXX systems ) and set up a payment plan and the entire bill was paid XX/XX/XXXX. Recently, I had my credit report pulled and the original debt company, Receivables Outsourcing, LLC is reporting a different amount on my credit report XXXX {$590.00} XXXX with the same account numbers that were used to report the amount of {$520.00}. I called Receivables outsourcing, llc and inquired about my account and was informed the new amount of {$590.00} that is being reported on my XXXX credit report is for facility fees, which are seperate from my medical account. Today is my first time hearing about the facility fees and when I asked why I was not informed of these fees in the original letter from them XX/XX/XXXX, or XX/XX/XXXX when I called to inquire and validate the debt amount on my card, I was informed that by that time my account was already reported so it did not matter and they could sent me a debt validation. I beleive the company violating the fair credit reporting act by not including the " facility fees '' in the initial notification XX/XX/XXXX, or via our conversation XX/XX/XXXX, also the company had reported this information to a credit agency prior to notifying me of this information.
I took out a payday loan from Advance America on XX/XX/2018 in the amount of {$500.00}. While we were going over the contract I asked twice if anything would be automatically taken out of my account. I was told " no '' both times. They had me leave a check with them which was supposed to be proof of my checking account. I was never told that it would be deposited. Shortly thereafter my husband lost his job and we have been unable to pay the loan back on time. We are struggling to get caught up on utilities, car payment and rent. On XX/XX/XXXX2018 they deposited my check without my knowledge and overdrew my bank account. The check was returned for insufficient funds. I contacted them and told them that might be able to start making payments in XXXX of 2018. They would not accept a payment plan. They wanted the full amount. On XX/XX/2018 they deposited my check again which left me with no money to pay my rent or my electricity. The contract does not specify how to stop ACH payments which to my understanding needs to be described or else the contract is invalid. I spoke to the company today and was told that they had been trying to reach me however no voicemails were left. They stated it was company policy not to leave voicemail messages.
Equifax acting in a negligent manner in safekeeping my and numerous other personal information and should make reparations to all individuals affecting by this grievous inaction to safeguard the consumer.
XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX had a lien on a Mobile Home Tn Vin XXXX Title number XXXX Tennessee They went out of business without a trace Original borrower was XXXX XXXX XXXX This mobile home was paid off years ago and they never released the title This transaction is holding up two other transactions. 

I am uploading all that we have on this. But we need this title released. We need to know who is the person that is left that signs for XXXX XXXX that got bought out by Ditech Financial, LLc.
Today XX/XX/18 my credit score went down XXXX points on my transunion credit report. There isnt any new negative information on my credit report that could cause this. When I called to find out why they told me that they couldnt give me a specific reason but to look at my credit report. I told them that there is no change to my report that could cause this. They told me they cant tell me why. This is insane.
I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
I wrote BofA check number XXXX ( {$1700.00} ) to XXXX XXXX   for a mortgage payment in XX/XX/XXXX. XXXX did not credit my account. Upon review of check that was submitted for payment, the pay to name had been changed ( check fraud occurred ).  XXXX asked that BofA submit a claim to XXXX. BofA sent me a check fraud claim form in XX/XX/XXXX. I filled out this form, got it notarized and submitted to BofA, per BofA instructions. 
BofA received this on XX/XX/XXXX per USPS tracking for the response I sent. 
In Late XX/XX/XXXX, I got a letter from XXXX indicating they had stopped investigating this claim because they never received the notarized claim from BofA. I have called BofA numerous times and they still can not confirm that they sent my claim to XXXX. 
I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I  spoke to an XXXX at XXXX and XXXX. Each time, they said they had to talk to people in the back office to find out what was happening. To date, no one can tell me what BofA has done with my claim. 
Ive attached the USPS tracking form that shows delivery to BofA on XX/XX/XXXX and a copy of my notarized claim that I also emailed to BofA 2-3 weeks ago.
I had a Citibank card for sears. When I first took it out I was called to enroll in the XXXX coverage for sears card. I had a trial period to try for free. I never really used the card so I called and canceled the coverage. They said ok. I let my daughter use it who is a single mother for a small amount is what I told her. My daughter is on the XXXX and try 's to do things on her own. Well time went on and she had charged a large amount on it. 
I get a call when I get out of the hospital from XXXX from Citibank telling me she was late on the payment and owed about {$10000.00}. I was shocked that she never told me about this. When I found out she had done this I started to pay the loan down and found out that sears had been charging for the XXXX insurance the hole time which totaled about {$2500.00}. When I called sears they said they would refund the charges and cancel it because I explained I canceled the coverage before I let her use the card. I was refunded for two months and told they had no record of me every canceling it. I explained how my daughter had run it up with out me knowing it and thought she had paid off what she had charged. I spoke to supervisors at sears XXXX and XXXX told me there was no record of me canceling it and she did n't believe me when I said I did n't know she had charged that much on it. so I had to file a request for higher up and that was denied. I told them to look at the account to prove as soon as I found out I started to pay it down quickly and to remove those charges. Come to find out it was a person at Citibank that made that decision. I told them if I would of know about the coverage on there and they did n't cancel it I would of made a claim for when I was laid up for XXXX months. They told me I stilled owed for the coverage and nothing I could do about it.
I am XXXX years of age and have a student loan amount of {$42000.00} with Navient since XX/XX/XXXX. The loan was transferred to Navient from XXXX. I do not deny that I have a loan, and I am making monthly payments. However, I just noticed that none of my monthly payment amount of {$290.00} is going towards principal. For example, my XX/XX/XXXX payment was made on XX/XX/XXXX in the amount of {$290.00}, and I was aware that there would be a late fee. However, {$280.00} was put towards interest and {$17.00} went towards " fees, '' and XXXX went towards principal. I have n't had anything paid towards principal since XX/XX/XXXX when I made a larger payment so that more would go towards principal. I contacted Navient and spoke with someone who was obviously from a XXXX country and was told that the interest amount is paid first, then the principal. I tried to explain that nothing went towards principal and she agreed but still said that is the way they apply the payments. At this rate, I will never pay the loan off. This has to be illegal. Even pay-day loans put something towards the principal. I understand that there was a class action lawsuit against Navient, but I was unaware of it at the time. I would appreciate any assistance that you can give me. Please contact me if you need my loan number. I will be more than happy to provide any information you need from me.
I have been trying to complete a short sale. I am 16 months behind in my mortgage payments and can not continue to pay the mortgage. The bank keeps evaluating me and approving a loan modification because they say my credit score is over XXXX. The reason it is still over XXXX is because they are purposefully failing to log derogatory information on my credit report to keep my score inflated so they can tell the investor I qualify for loan retention. I wonder how many other non performing loans are in this similar situation.
Transunion has old addresses on my credit report that do not belong to me address is my aunt 's address. XXXX XXXX XXXX XXXX XXXX, PA XXXX Also has my mother 's day care as a place of employment for me. Never worked for my mother XXXX XXXX XXXX XXXX Names that appear on my credit report are also incorrect My name is XXXX XXXX XXXX Names reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt that I paid off almost 4 years is still showing on my credit report.
An account with the company XXXX was opened in my name in XXXX of 2014 according to the debt collection company AFNI. The origin of this account was based in XXXX, however I lived in XXXX, so this could not have been me. I have contacted XXXX and gotten a letter verifying that they looked into this, and determined it was fraud, and therefor I owe nothing nd the account needs to be closed. AFNI continues to send me letters and ignore the information I have given them several times. hey REFUSE to contact XXXX and close out this false debt against me.
The Bank Has An Promotion Going On where When Youu Open An Account They Give Youu {$250.00}. Its Been since XXXX  and whwn i seen The Promotion I Opened an account But Still Havent recieved My {$250.00}. Im Very Upset About It And Feel It Isnt fair. I Still See This Promotion Going On And Yet To Recieve My Money.
I have been requesting a transaction detail of the debt that is allegedly owed, however, the XXXX party collection agency can not provide me what I am requesting. I have been contacting them for nearly 9 months, but they always send me a letter stating their records are correct and that the balance is owed. I spoke with them today by phone and was told I can dispute it again, but I have been disputing it over the course of 9 months with the same results.
American Express sold my XXXX Am Ex card to XXXX XXXX without my agreement or signature. Interest rates and fee terms are changing in favor of XXXX XXXX. APY are rising 2 %, pay cycle is shorter, and additional annual fee requirement forces me to maintain XXXX membership to avoid this fee. 
Calls to Am Ex and XXXX resulted in " there is nothing we can do, call [ the other company ] ''