WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I received notice from Nationstar Mortgage, LLC dba " Mr Cooper '' that they had sold / transferred my loan to XXXX XXXX XXXX XXXX, XXXX effective XXXX XXXX, XXXX ( 8 business days prior to the transfer ). 

The notice failed to meet the requirement of " not less than 15 days before the effective date of the transfer, '' as required by 12 CFR Part 1024 Section 3. The transfer of the mortgage was not covered under an exempted scenario as outlined in the statute. 

I contacted Nationstar dba Mr Cooper multiple times, both via phone and in writing, about delaying the transfer of the servicing of my mortgage as I wanted to explore my consumer rights to not do business with XXXX XXXX as I had previously been a victim of fraud perpetrated by XXXX XXXX employees ( and condoned by XXXX XXXX management ).
A MoneyGram Money Oder was received as a XXXX gift in XXXX. I recently found it while sorting through old XXXX cards and attempted to cash it XXXX XXXX. Due to the {$1.00} monthly " service fee, '' the money order value no longer exists and MoneyGram refuses to honor its own money order. This caused me to incur a Returned Check fee from my credit union which has since been refunded. A fee was paid when the money order was purchased. MoneyGram essentially " stole '' my XXXX gift! 

What monthly " service fee '' does the company incur that justifies {$1.00} per month for a {$50.00} money order? This is tantamount to theft.
Contacting my job multiple calls. Multiple calls to my phone and leaving notes on my door, place of residence.
I have disputed items with equifax multiple times on items I knew that did not belong to me. XXXX conducted their investigations just fine and deleted the fraudulent i tems. Equifax refuses to delete them, however. They have given me no other choice but to file a complaint against them and their practices.
XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}.
Although I sent payment to Wells Fargo bank on time, they still charged me a {$15.00} late fee and {$5.00} in interest. I called to correct the issue and they agreed to credit back the {$15.00} and {$5.00} charges and I sent a payment for the full amount less the {$20.00} that was to be credited back. However, they did not credit the {$5.00} interest and as a result my account was marked as carrying a balance and charge {$2.00} in interest the next month. I called a second time and the agent agreed to credit the {$5.00} as originally promised, but would not credit back the {$2.00}. That {$2.00} of interest should not have been changed and I would like it refunded to me.
On XXXX XXXX, 2017 I contacted chase at XXXX. The Internal Recovery Department offered full settlement on both accounts for a total of {$1800.00}. I paid the account in full over the phone by checking debit ACH which succeeded. <P/>{$850.00} 60 % XXXX {$1000.00} 60 % XXXX XXXX {$1800.00} PAID XX/XX/XXXX Chase updated the accounts at XXXX, XXXX, and XXXX by showing I made a payments for {$850.00} and {$1000.00} but did NOT show the account as paid in full. I have exhausted the dispute process with all 3 bureaus and Chase has 'verified ' the accounts as accurate which is incorrect. <P/>I am hoping the CFPB can assist me in correcting the inaccurate and false reporting which violates the FCRA and hurts my score. I settled these accounts with the bank and it is only fair they are accurately reported to the three bureaus. <P/>I have attached a copy of my credit report for the three bureaus as well as the particular accounts for XX/XX/XXXX as samples.
I reached out to TransUnion, XXXX and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. Transunion, XXXX and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )
I XXXX XXXX satisfied an account in full of TD Bank through a third party known as XXXX XXXX XXXX in XXXX of 2018. However, TD Bank still maintains a full balance that needs to be updated to a zero balance immediately on all my credit bureaus. I paid this account by bank wire for the agreed amount of {$2000.00} to XXXX XXXX XXXX. This account needs to be updated to zero balance immediately.
On XXXX XXXX, XXXX, a person named XXXX XXXX accessed my checking account and conducted 3 transfers from my account to her account. This person added themselves as a member to member payee on XXXX XXXX, XXXX at XXXX XXXX. At approximately XXXX XXXX, the following transfers were conducted to that persons account, {$280.00}, {$580.00}, and {$1500.00}. My spouse noticed the transactions around XXXX XXXX and we contacted Navy Federal Credit Union. Shortly after XXXX on the XXXX of XXXX we filed a claim with the fraud department, this claim would not be posted until XXXX XXXX on the XXXX. I spoke with a service representative around XXXX XXXX on the XXXX and they informed me that once the claim was assigned an investigator they would have 10 business days to complete the investigation and provide their findings. I called back on XXXX XXXX, XXXX and they informed me that an investigator had been assigned on the XXXX. We have called multiple times within that time frame and have not received any updates as to the projected completion of this investigation. I called this morning, which is 12 business days after the assigned investigator, and they informed me that it would be until the middle of next week until it would get completed. I am currently working on a written notice to Navy Federal Credit Union informing them that i require additional information and updates. During this whole situation they have not contacted me or my spouse to update us.
XXXX, Equifax, XXXX  and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts. 

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
ILLEGAL FORECLOSURE AUCTION SALE against our home by Nationstar 's very own XXXX auction two days from now. ( XXXX by XXXX, wholly owned by Nationstar Mortgage LLC . XXXX is formerly XXXX. ). 
PLEASE SEE ATTACHED. Exhibits to follow by Fax. DEFECTIVE NOTICE of TRUSTEE SALE - LENDER is NOT IDENTIFIED, is supported by DEFECTIVE Notice of Default - please see CFPB case files # XXXX and XXXX for exhibit on Defective Notice of Default. THANK YOU for your URGENT INVESTIGATION and ENFORCEMENT action.
Re : Capital One World MasterCard promotion offering 0 % interest for 12 months with 2 % transfer fee. 

In XX/XX/XXXX I transferred in excess of {$5000.00} to my Capital One credit card. My current statement ( payment due date of XX/XX/XXXX ) does not reflect this agreement, but instead shows an interest charge of {$90.00} and a minimum payment of {$140.00} due on XX/XX/XXXX. Both of these figures are in error. 

On XX/XX/XXXX I spoke with three Capital One representatives ( rep ID numbers XXXX, XXXX, and XXXX ), including a supervisor. They acknowledged that there was a system error in recording the promotional offer. I was not informed by Capital One of this error either by mail or email before I had made my telephone call. 

These representatives told me that a correction may take " two billing cycles '' to correct and that I should continue to make the {$140.00} minimum payment ( s ) until this was corrected. 

I protested that the entire statement was in error and that the {$140.00} minimum payment was excessive based on my prior experience with these types of promotional offers. They were, in fact, asking me to pay for their mistake. They refused to offer either a reduced minimum payment in line with my expectations, or a waiver of payment until such time as they corrected their problem.
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over XXXX years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship.
over 20 year since collage all account is close and should be deleted from report every month there is an update but there is no change in report and i keep doing disputes like every month i think the department of education might have an illegal hold on my account i have contacted them on seval occasion
I set up payment arrangements with XXXX at EMG. She then reopened my loan instead basically renewing it. Since then I have been unable to pay. At this point they have now called my references and told them that they are COLLECTING on a loan. This was private information. They were only supposed to call the references to tell them that they needed to speak with me. Now everyone knows I can't pay my loan there. They called XXXX XXXX and spoke with her on the phone stating multiple times that they were calling to collect the money I owed. I am not ok with this.
I have been requesting a copy of the verification from " Transunion Credit Bureau '' for the Chapter XXXX Bankruptcy Discharge ( Docket # XXXX ). I contacted the US Bankruptcy court and was informed that they don not deal with credit reporting agencies. That they have there own sources to place inquiries on my consumer report. I have place Security Freeze back in XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, so I am not understanding how Transunion was able to verified. So on Letter Date XX/XX/XXXX, I had a Freeze on third consumer filed. I demand that this public record for Chapter XXXX Bankruptcy # XXXX be removed from my file due to lack of verification and inaccurate reporting of verification was date XX/XX/XXXX. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification. 
I request and demand that this public record Bankruptcy ( XXXX ) be removed/ permanently deleted due to lack of verification and inaccurate reporting of verification date. Because third party consumer DO NOT disclose information on accounts with a security freeze placed on them. Please assist me with the above issue.
I C Systems placed a {$450.00} debt that was from XXXX XX/XX/2010 - XX/XX/2010 on my credit report. I had no knowledge of this bill until I received an alert from XXXX credit monitoring service that I even owed this balance. 

I called I C Systems today and was then told about the debt. They claimed to have sent notice of collections to a previous post office box that I had in Arizona. However, ALL of the information on my credit report is correct. Therefore, if they wanted to contact me about this, my current address is listed on all XXXX bureaus. They could 've also called me, because my current phone number is on all three reports as well. 

Instead of conducting business the correct way, they went ahead and placed this on my report without properly contacting me and giving me a chance to dispute this. This is unacceptable. My score has dropped XXXX points because of this. 

Furthermore, the statute of limitations is up for this debt. And they are still trying to collect anyway KNOWING that the statute of limitations is 7 years for this type of debt. Just pitiful. 

I have sent I C Systems an email letting them know that I am reporting them to the CFPB. Had I not seen this on my credit report, it would 've SAT there. I 've worked entirely TOOOOOOO hard to restore my credit and will continue to work to keep it secure. 

I have a severe disgust for companies that do things like this and I would like immediate action taken to not only have this DELETED from my credit reports, but this company needs to be fined. Cause if they 're doing this to me, they 're doing it to other people.
XXXX XXXX, XXXXBank of AmericaXXXXXXXX, CA XXXXRe : Loan numbers XXXX & XXXXDear Sir/MadameI am in receipt of your letter dated XX/XX/XXXX regarding my home equity loan. 
I have been paying BOA since the loan originated more than {$40000.00} which is an incredibly unfair amount. Now you are telling me that I should either pay the whole balance or pay {$920.00} a month vs. {$300.00} that I pay now. My original loan was XXXX and now it has even gone up! 

If this is not highway robbery, I do n't know what is. I also pay my regular loan payment which is more than XXXX dollars a month. I have been paying more than XXXX XXXX dollars since the loan began in XX/XX/XXXX. 

How much does BOA need to make off of a good citizen? 

Are these numbers right? Or it is just robbing the good citizens of this country. This is my only asset in life. Do you guys want to take it from me and make your CEO 's richer than they are? 

Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX, DE XXXX XXXX XXXX. XXXX XXXX, CEOBank of AmericaXXXX XXXX, XXXX Re : Loan numbers XXXX & XXXXDear gentlemen, I am sure you have no time to read a letter from a citizen, a number that I am among millions but I need to address this issue. For the last 4 months plus, I have provided all the documents necessary for a loan modification with BOA. I have paid over XXXX on XXXX loans ( in fact even more ) to your company and now even after 9 years, I have very little equity in my only property. 
I have had to deal with a sick young man-my son- who has been ill for the last 4 years, having to pay enormous amounts of bills for him. I lost my job in the midst of all that I went through. Yet, I kept paying without having built any equity. 
I have been tossed around by various " case agents '' of BOA, totaling at least XXXX so far after receiving the same packages every other day to no good result. Every other day, I am asked for more documentation which proves to me that BOA is not interested to help me but to advance whatever goal they have. 
How much does BOA and your investors need to make? 200 percent in gains or more? Your company has made billions and more in the last year, yet, it is n't enough it seems. 
I am not asking for a handout. I am asking to have my payments lowered so that I can pay it on time and without delay and build some equity. I understand that banks and mortgage companies need to make $ $ $ $ $ but what about people like me? Should I have the right to own my home-my only asset for my children or should I let BOA take it? 
If BOA can not give me a venue, then please let your number XXXX person to let me know as not to waste my time and theirs. 
Frankly, this has been the most frustrating experience so far. 
I need an answer and I need it sooner than later. I hate being tossed around like a yoyo by XXXX different people. 

Respectfully, XXXX
Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.
After three attempts, the last being XXXX, Experian refuses to remove reference on XXXX XXXX XXXX XXXX  account to Chapter XXXX filed over seven years ago.
in XX/XX/XXXX I became delinquent on my mortgage. I was offered a HUD loan and accepted as it was my only option. I have since asked to be provided documentation in regards to that loan ( ie. an itemized list of all charges to be included in that loan, documentations that I signed. ) I have not received that. 

The mortgage became delinquent again and starting in XX/XX/XXXX I started paying additional on my mortgage each month this continued into XX/XX/XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. 

Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XX/XX/XXXX - {$1200.00} Surplus Placed into a suspense account XX/XX/XXXX - {$1700.00} Surplus Placed into a suspense account XX/XX/XXXX - {$960.00} Surplus Placed into a suspense account XX/XX/XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. 

The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. 

I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 5 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. When faced with specific instances of violating consumer protections the conversation turns cold, or they inject other misinformation to further muddy the waters. 

It is my understanding that PNC is in violation of the Prompt Crediting Under FRB Rule as well as Prompt Crediting under Dodd-Frank, TILA Amendments and CFPB Regulations. As well as numerous others. 

If accepted the partial payments ( ie. payments less that the periodic amount ) should have been placed into a unapplied funds account/suspense account. The " funds must be applied from the suspense account when the amount in suspense is equal to or greater than a periodic payment '' It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.
I am attaching the letter my wife and I sent to the credit bureaus back in XXXX. More four months have passed, and we have not heard anything back from them.
In XXXX of 2011, I lost service from XXXX XXXX for over 3 weeks. During that time, no technicians could come to properly investigate why none of my services were working. When the technician arrived, he told me that the issue lies within another technician disconnecting my services and using my line to work for another household. He rectified the problem, and I let XXXX know that I had XXXX services from them for that time and would need a prorated amount. I paid the XXXX $ that they owed, and paid the next months bill. They continued to try and charge me full price for the 3 weeks without service. 

Skip ahead 2 years, I had XXXX XXXX again in the XXXX market for 2 more years with no issues, but then they attempted to send my account to collections even though i was a current customer!
Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.