WillisBack/dataset-financial-user-claim huggingface dataset:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by Nationstar Mortgage that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ XXXX. 
Clearly ... this appears to be another retaliation from Nationstar due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, equifax XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, equifax XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to equifax. I started making payment beginning XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
This company called portofolio recovery keeps calling my cell number with different numbers every day about 3 to 4 times a day I do not have A medical debt with them they keep asking for A XXXX XXXX XXXX and I have told them you got the wrong number and then they get rude with me and I end up hanging up I want it to stop please
I have a XXXX XXXX loan that was sold to the company Navient. In XX/XX/XXXX I set up a recurring monthly payment of {$170.00} to be taken out of my account for 12 months on the payment assistance plan. After two payments I received a call to set up another payment plan for {$140.00}. Shortly thereafter I received a call stating that I could not be on two payment plans so I decided to keep the {$140.00} payment plan. I then received a phone call saying that the higher up managers denied both payment plans after I had already been set up and paid monthly amounts. When I spoke with managers ( XXXX different ones to be exact ) I was told that it was nothing that they could do because the higher up managers made the decision. The last manager I spoke with told me that it was a computer program and that they could not change the interest rate for my loan. I did not ask for my interest rate to be changed. They offered me a payment of {$190.00} a month, but I think it is unfair for me to be forced to take this payment considering the relationship that has occurred. I offered to return to the {$170.00} payment, but was refused. They said the difference was only {$20.00}, but that difference is big because I have other private student loans to attend to. I can not agree to that. I told them I would continue to pay the XXXX every month because that was the last agreement that we had. 

I would like a separate mediator to intervene so that we can find a solution. I made an agreement to pay a certain amount of money every month to this company every month and they changed the terms. That is not fair. 

I have yet to speak with a higher up about the decision that was made even though I requested it.
False information on credit report with XXXX. They did n't remove it but the debt is not mine, never has been. No contact has ever been made by by the company -- -scam. Midwest recovery systems needs to remove this.
For over a year I have been trying to get resolution for my auto loan mishandling of the title through USAA. I was purchasing a vehicle from my mother. USAA had released {$6000.00} to my mom while she was still in possession of the title, leaving the loan unsecured as I was was stuck paying a car loan in which I could not register or insure. The bank should have taken care of getting the title within 30 days from my mom and issued a memorandum title for me to register the vehicle. Instead I was being harassed that they still had n't received the title. I am the buyer, not the seller. Why was I getting bothered with, " where is the title '', when USAA had released {$6000.00} to my mother ( Seller ) without making sure they had the title in their possession. I was never given a memorandum title and I have been stuck in limbo paying for a car, because I did n't want to affect my credit, I ca n't use. The whole deal should be null and void because of what USAA has done. 

Around XXXX my mom had finally given USAA the title after months of trying only for her to send the title to me with corrections which the DMV would n't take. Due to the strained relationship with my mother and the relaxed attitude to get a replacement title, we had made an agreement with my mom that she was going to take the car back because she did n't want me to have the car because I was no longer family. After USAA being notified that my mom was going to take the car back, USAA and my mom 's shady dealings behind my back left me in my predicament of being left with an uninsured and unable to be registered vehicle. 

Even now that that USAA has gotten the title they have n't sent a memorandum title. I believe they realize they have messed up and are wanting me to ask for the title, so that they are legally protected.
We are filing a complaint against Shea Mortgage in California. We submitted a loan application with Shea Mortgage sometime on XX/XX/XXXX where we were issued a " loan approval ''. Given this information, we signed a contract with Shea Mortgage 's wholly owned subsidiary, XXXX XXXX, to buy a home located at the XXXX, XXXX XXXX, California. Construction started XX/XX/XXXX and we are now at the finishing stages of construction. 
Shea Mortgage demanded updated data and credit report XX/XX/XXXX which we complied. A new " loan approval '' was issued again. This time we paid an appraisal fee in the amount of {$450.00}, and we were promised that if our loan can not be approved, then the appraisal will not be ordered. The appraisal was ordered, so it means our loan is approved. 
Every week beginning XX/XX/XXXX, Shea Mortgage asked for more documentation, which we provided and complied. This charade has been ongoing for the last 5 weeks. 
On XX/XX/XXXX, the loan processor demanded XXXX more items before a FINAL loan approval can be issued. Again, we provided everything Shea Mortgage asked for on XX/XX/XXXX. A couple of days later, XX/XX/XXXX, we were told that we should have the FINAL approval within 24 to 48 hours. It is now over 96 hours, yet we have not received the promised FINAL loan approval even though we have given them everything Shea Mortgage asked. 
We did not get a Good Faith Estimate until XX/XX/XXXX. Are n't lenders supposed to give the borrowers a Good Faith Estimate within 3 days after a complete loan application is received? We locked in our rate for 60 days on XX/XX/XXXX, and instead of a written rate lock agreement, we were given a " Itemized Fee Worksheet ''. We are very concerned the lender is delaying the issuance of the final loan approval ; our rate lock expires and we will have no choice but to agree to a higher rate and maybe fees. 
We pray the Consumer Financial Protection Bureau is here to protect helpless consumers like we are. 

Thank you.
Statement closing date and due date rolling 3 to 5 days in either direction every few months, but generally a due date on the XXXX, except this month, it was the XXXX. Invoked a {$39.00} junk fee. Nefarious business practice is designed to trip up payment sequence. Evidence : I have 2 accounts, one on auto pay, date never changes, second account, no auto pay, they slide the due date around. You ought to look into this.
I had an American Express Corporate Platinum Card through my employer. I paid a fee to upgrade the basic corporate card to a platinum card so that I could earn membership rewards. My card had XXXX membership rewards points ( redemption value of approx. {$1800.00} ) as of last check. My company canceled the card in late XXXX 2016 due to a pending acquisition. I paid off the remaining charges by mid XXXX 2016. I had a credit of {$570.00} that was, according to American Express, issued to me in the form of a check on XXXX XXXX, 2016. In my mind, the account was closed on XXXX XXXX, 2016, when the final credit was paid. When I reached out to American Express in late XXXX 2016 to discuss rolling my membership rewards over into another account, I was told that the rewards points had been forfeited. At that point, American Express told me that the rewards points were forfeited 30 days after the account was closed by the company, which was in late XXXX 2016. After many hours of waiting on the phone and submitting appeals, I have gotten the same answer : American Express is unwilling to replenish the points. This is a deliberately deceptive and abusive practice by American Express. It never notified me of its forfeiture policy, not at the time I opened the account nor at the time the company closed it. It did not send a reminder after the account was closed that the points would be lost. It never notified my employer about its policy, and my employer never notified me. Moreover, to arrive at its decision to eliminate my points balance, American Express selected an account closing date based on when the card stopped accepting charges rather than when the account activity was settled. Simple decency would say that American Express would remind the customer about the forfeiture. Good customer service would include having some flexibility to make things right when there is a mistake. American Express has neither. I believe this is a widespread practice, designed to disgorge points from unsuspecting members upon account termination. It has to stop. There should be mandatory notification of pending forfeiture of points.
I transferred {$4000.00} to Coinbase : Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX United States Account number XXXX Routing Number XXXX Recipient Name Coinbase, Inc Recipient Address XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Reference Number : XXXX I sent the money from XXXX : From : Account : INDIVIDUAL ( XXXX ) Action : Transfer cash To : Account : XXXX XXXX XXXX  Account Number : XXXX Bank Routing Number : XXXX Wire Amount : {$4000.00} Transfer Fee : {$10.00} Total Amount : {$4000.00} I have contacted both XXXX XXXX  XXXX XXXX XXXX who both verify that Coinbase has my money. I have attempted to get into contact with Coinbase via E-mail, their support portal on their website, I have tried calling them ( they have no numbers publicly available ), and I also tried reaching out to them on XXXX  and reversing the wire transfer through XXXX to no avail. At this point the money is being held hostage by Coinbase and I can not get in touch with any individual who may be able to help me. I have read online and a number of users have had issues with Coinbase holding their funds hostage/in limbo. Any help with this matter would be greatly appreciated.
These are the unauthorized charges to our debit card with USAA Bank. 

XX/XX/18 XXXX XXXX XXXX- {$2700.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXX XXXX XXXX- {$2800.00} XX/XX/18 XXXXXXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/18 XXXX XXXX XXXX  XXXX XXXX {$40.00} we informed the bank that these were unauthorized and approximately a month later they told us they WERE authorized. We have requested associated documents used by them to reach that conclusion and are still waiting for them to furnish them, It has been over a month since that request.
Ronald Reynolds & Associates Ronald Reynolds did not send no notice or any documents of any court correction of my dispute. Ronald Reynolds only file another Judgement that as if I have not paid nothing. I have all the documents and the new filing by Ronald Reynolds shows as a balance once again for {$4800.00} as the first one filed inXX/XX/XXXX. Ronald Reynolds is trying to collect the same amount again. Ronald Reynolds stated back that he has adjusted by the court the amounts. There has been no such letter or proof to nothing he is saying. XX/XX/XXXX have a letter stating the same amount owed by him with his signature. showing balance due {$4800.00} As in the past his accountant seems to be a little funny and I have also reported it as well. 
Ronald Reynolds has not provided no up to date documents of no credits or nothing.

I also receive a letter by Ronald Reynolds saying the debt was sent over to XXXX law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX with the same amount owed by Ronald Reynolds as proof that he is doing nothing nor has provided any proof. 
Ronald Reynolds states that he has updated the amount and the court has giving credit. There has been no documented proof by Ronald Reynolds. 
Its clear that this debt is a clear scam to state on XX/XX/XXXX the same amount stated back on XX/XX/XXXX that the balance was original principal was {$4400.00} and now the principal is {$4800.00} its been so many numbers it is never the same as I have all the previous amounts by Ronald Reynolds as proof to his accountant methods and credits. 
So how is it some one has paid {$7000.00} and on by Ronald Reynolds you send a letter out to me showing {$4800.00} Current balance by Ronald Reynolds with his signature as if nothing has been paid. Its nothing but error and games. Then Ronald Reynolds seems as he wants to threating me by words in one of his earlier letters. 
I have letters going back to him inXX/XX/XXXX that was sent 3 times by certified mail to resolve this with no reply by him I have the letters and they was mailed out US Postal Certified to him inXX/XX/XXXX to this account. 
There was nothing but games as I had an attorney that call and every time his Secretary talk to my attorney and sent her bits and pieces of information and half of the documents requested was not sent. I also have text messages from my attorney in regards to the issue by Ronald Reynolds and the issues was also stated about Interest fees and other issues that was not right. In which Ronald Reynolds has yet to address. 
Its clear onXX/XX/XXXX there is something very wrong with this account and the amount showed by Ronald Reynolds is {$4800.00} by his letter and as if nothing is paid. Ronald Reynolds is just trying to collect money not owed to him and not reporting the correct amount I'm also filing with the IRS to this account method a complaint on this business I have all the documents going back as proof. 
I'm going also taken further measures as filing on XXXX XXXX XXXX XXXX as proof of this letter Ronald Reynolds is stating that I owe him {$4800.00} as of XX/XX/XXXXXX/XX/XXXX
Wells Fargo Home Mortgage ( WFHM ) originated the mortgage on my primary residence in XX/XX/XXXX which it sold to XXXX XXXX without any informing me, which is the current note holder. WFHM only services the loan now. Several requests for loan modification to WFHM have been denied since XX/XX/XXXX. I had to file Ch XXXX bankruptcy in XX/XX/XXXX to prevent foreclosure and made another request for loan modification which was also denied. This forced me to convert to Ch XXXX bankruptcy in XX/XX/XXXX. Finally on XX/XX/XXXX, I received a discharge, which included discharge of the mortgage debt. To satisfy the mortgage, I have initiated a short sale process by submitting an offer to WFHM on XX/XX/XXXX. 

Simultaneously, on XX/XX/XXXX, the law firm, XXXX XXXX, representing WFHM & XXXX has sent me a Notice of Foreclosure sale scheduling an auction sale on XX/XX/XXXX. This notice was received by me on XX/XX/XXXX. This is absolutely inappropriate when I have made a short sale offer to WFHM. My lawyer is in contact with the law firm to stop foreclosure so that the short sale process can proceed. 

I have contacted my Home Preservation specialist at WFHM today regarding this issue. She has assured me that this issue has been forwarded to the appropriate Liquidation department which will address it in the next few days and get back to me. But in the meantime, I have decided to file this complaint to make sure that the foreclosure is cancelled and my short sale offer approval process moves forward without any further delay.
Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.
My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.
On XX/XX/XXXX a annual escrow disclosure statement was applied on my mortgage account. The statement stated that there was a change in my escrow account and that my mortgage payment was increasing from {$1200.00} to {$1600.00}. Which is an increase of {$380.00} per month. The calculation they used was projected escrow balance of ( {$1600.00} ) minus allowable low escrow {$1100.00} which is how they came up with a shortage of ( {$2700.00} ) which is incorrect because I qualify for a homestead exemption which is a credit I receive on my real estate taxes because I am XXXX. I have sent them documentation proving that a qualify for the tax credit. The bill that they paid in XX/XX/XXXX was for the first half of XXXX for dates XXXX XXXX - XX/XX/XXXX. I bought the house XX/XX/XXXX of XXXX. XXXX County bills a year in arrears so the tax bill that was paid this year was for the sellers portion of the bill. My first full year of homeownership will be the end of XXXX which will be when m homestead exemption credit will be applied. Currently my escrow account is not short they are trying to add the ( {$2700.00} ) from XX/XX/XXXX to my current payment. That analysis was done based on the sellers tax bill which is not my full year tax bill I will receive that bill XXXX XXXX due in payable in XXXX of XXXX.
We purchased a home last year. XXXX XXXX originally was our mortgage holder but Wells Fargo purchased our loan. We were told that we could eliminate PMI once XXXX % LTV was reached. We did improvements and added heated/cooled space in the basement and then XX/XX/XXXX contacted Wells Fargo about re appraisal to remove the PMI. Wells Fargo informed us that the stipulations for removal were changed and we now had to have XXXX % LTV and market increase would not effect value.
I attempted to get my 'free credit report ' in XXXX 2016. The attempt was successful the free part was not. I was just billed {$19.00} from Experian for credit monitoring services. I called and cancelled any service with Experian. I am amazed that the swindle by Experian was successful. I have about XXXX years of XXXX experience and was very careful not to sign up for any services, free or otherwise. Please review the process used by people to get the free credit report to analyze how 'they ' are able to fraudulent charge people for unwanted services. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Back in XXXX, I learned through XXXX that RushCard would be updating their system on XXXX XXXX from XXXX - XXXX. The RushCard post advised that you take out money just in case. I did not, because I felt that I had no immediate need for my money and a day or XXXX without, I could survive. 

Well, now it 's a week later and I still do not have access to my funds. It may seem like pennies to most, but I am the wage earner for my family of XXXX and EVERY penny counts. 

The lack of information regarding when RushCard will be fully functional and the encouragement for you to call, email, or message your info and someone will get back to ; only to receive a text about waiving fees and no further information about when everything will be back to normal. 

My husband and I have XXXX children, an XXXX XXXX old and a XXXX old and without having access to my money I was not able to properly feed the over the weekend. Do you know how had it is to get my XXXX child to eat something different? Let 's just say I could not wait until the weekend was over so he could be in school for breakfast and lunch ( FREE ) and eat what he is accustomed to. Dinner tonight is another story. 

If it were just me, you would n't have heard my complaint. But this is affecting my family. 

Sincerely, Head of Household
There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.
DEAR CFPB- This is a Follow-up on our XX/XX/2018 Complaint - # XXXX about Capital One Card services. 

( The CFPB site does not have a way to submit follow -up documents and this is a very large claim, and you have said that Capital One Financial Corp is 'still working on our issue ' ). 

We received a Letter from You Dated XX/XX/2018 and would like to provide some further documents and evidence, on our Case against - CAPITAL one for the forced- Rebill of {$2300.00} that we do not owe! 

Please see attached.
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.