WillisBack/dataset-financial-user-claim huggingface dataset:
Once again, there is activity that is INCORRECT being reported by Nationstar Mortgage, LLC regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, Nationstar Mortgage, LLC. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at Nationstar Mortgage, LLC. 
I have personally met with my personal bank and have attached all checks that were cashed per month by Nationstar Mortgage, LLC. I have also attached the payment history showing all payments that were paid to Nationstar Mortgage, LLC since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at Nationstar Mortgage, LLC is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at Nationstar Mortgage, LLC is still removing payments that were prior on my credit report such as XX/XX/XXXX payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. Nationstar Mortgage, LLC has literally changed my credit report information on more than five occasions since XX/XX/XXXX. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, Nationstar Mortgage, LLC. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. Nationstar Mortgage if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. Nationstar Mortgage, LLC has a responsibility to report it correctly. Someone at Nationstar Mortgage, LLC has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current Nationstar Mortgage LLC payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at Nationstar Mortgage, LLC submitting the incorrect information. Nationstar Mortgage LLC needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX  XXXX XXXX  XXXX XXXX  XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I dont and havent ever had a Bank of America Accounts. No Personal or Business Savings, Checking Accounts. No Credit Cards, Home Loans, Car Loans, nor Business Loans. Nor have I ever Co-signed for anyone or applied on behalf of another person for such accounts. Nor have I ever authorized anyone to apply for such accounts or Education Loans for me. Im NOT responsible for payment of such accounts ; not even for my children. Im not and I havent ever been married. 
Thank you, XXXX XXXX
I have recently written XXXX XXXX disputing this debt of {$2000.00} for a JCP card that is on my credit file. I am a victim of identity theft dating back to 10 years ago. Ive explained this to the synchrony bank and have a police report for this crime. I was told that the credit is mine and the account was sold to XXXX XXXX. Account was open XX/XX/2009!!!!!
On XXXX XXXX,2017 a payment of {$240.00} was made on my student loans. The payment was made to AES success but was never applied to my account. I called and was told the incorrect account number was listed and that prevented the payment from being posted to my account. However when reviewing the payment details the correct account number is included on the payment. The representative I spoke with located the payment and said I could send proof of payment and they could apply it to my account. I sent in the documentation request but the payment was never applied to the account. I called back in and spoke with a representative who said the payment was returned on XXXX XXXX. However, prior to calling in, I received an email stating they were processing the information and would update my account on XXXX XXXX. I requested to speak with a supervisor and was connected to a lead representative who stated the payment was returned on XXXX XXXX. I then asked for a supervisor and was connected to a supervisor named XXXX who informed me that she could not verify the payment was returned and she would investigate and call me back. She called later that evening stating she was still investigating and would call back the following day. I did not hear back from her so I called back and was told no supervisor was available and I could leave a message and someone would call me back within 48 hours. I received no call back and I called several days and was given the same response. On XXXX XXXX I called in again and was told they needed an ACH tracing number to locate the payment and apply it to my account. I spoke with XXXX again and was told I would receive a follow up call to confirm receipt of the tracing number. The bank called to provide the payment information and the following day I called back in and was told by XXXX a supervisor that they never received the information from the bank. However I received confirmation from the bank that the information was provided. As of XXXX XXXX the payment has not been returned and my credit has been negatively impacted.
On XX/XX/2018 i filed a chapter XXXX bankruptcy in federal court. # XXXX XXXX. This bankruptcy was filed because i was threatened by the mortgage servicer and threatened with foreclosure. 
My home met qualifications for federal & state exemptions. My missed payments and fees were listed in my schedules. The mortgage servicer & underwriter did not object to the discharge. The mortgage servicer is still threatening me with foreclosure using the debt that was discharged. 
Please help. I ama victim. I am didcriminated against & violated by this servicer. 
XXXX XXXX XXXX XXXX XXXX IL. XXXX XXXX XXXX IL I am XXXX, XXXX and my source of income is unearned XXXX with XXXX XXXX
We lost our jobs due to plant closing and XXXX.Less money coming in with more medical bills.We could not pay the bills.
we tried motification of house loan and was turned down twice.they said they either did n't get the papers or they were timely or incomplete. the day the forclosure notice was delivered we were on the phone with our case worker.He said he had no record of a forclosure. Sent same papers to the bank and the caseworker. with no help. after they put us in forclosure they called to see if we still wqanted to save the house. Soi they sent us another packet. This has been going on fo9r 10 months or morewithout them giving us any help.If they would have helped with the modification we would n't be having this problem [ interest on loan is 8.2 % ]
Reviewing my credit report. I noticed that Equifax was not up dating current information that was given to them by me or my creditors. 
Approximately in XXXX I contacted Equifax. I questioned their credit scoring methods ( knowing that credit score can not be disputed ). My score was XXXX at that time. After contacting Equifax, the next two months my credit score when down 28 points, without any reason.

I informed Equifax that I have never been late or miss any payments on my mortgage, credit card, etc. Furthermore I have paid off a big debt and lower some outstanding credits, record can show.The way it works is that when a consumer pays down any of its creditors, that consumer credit score will go up. In my case questioning Equifax and paying my creditors my score when lower ... inaccuracies.

Contacted Equifax numerous times with documents from my creditor using ( AUD ) documents. Equifax sent me letters with update, but without addressing my concern of the inaccuracies of my credit score.Investigating with other agencies, the out come shows that my score should be at XXXX. My score shows that Equifax has made some inaccuracies against my score. My score stands at XXXX well below the correct number.
Wells Fargo firstly fraudulently charged me extreme and excessive overdraft fees upwards of {$300.00} dollars even though I had already explicitly stated and changed my policy agreement so that overdraft protection would not be added on to my account and i would not be charged any fees but they still did this and I ended up with hundreds of dollars of illegal fees that they would not waive no matter how much I pleaded with them and that was the first red flag. Next they opened a credit card account for me which I never asked for I used the credit card here and there until one day some how the limit of XXXX was reached unbeknown to me because there is no way I could have ever spent that much in the 6 months or less that I had been using the card. Excessive fees were charged and interest rates were exorbitant. I since have closed the credit card only to see my balance is now at {$3800.00} and climbing even though I closed the card and intent to settle as I do not believe these are legal and true charges I made. This company is so fraudulent and takes advantage of people who ca n't defend themselves or fall victim to big banks schemes. I am a college student trying to pay my student loans and now this, this is just yet another instance of the bank committing crimes and the consumer is bearing the cost. Please if you can help me to resolve this issue with wells fargo I would do anything. I would even pay them even though I believe they should be paying everyone who has been harmed by them not the other way around however carrying this burden on my shoulders and on the shoulders of my credit report is really taking its toll not to mention the stress it puts on family members and love ones. Thank you
For the past 2 years I have tried to submit a mortgage workout package with my current mortgage company and has been a hassle as they always claim that my documents are incomplete. I have submitted a complete package again on XX/XX/2019 and I was advised by the rep that its assigned to my loan that it was a waste of time that would not be reviewed. 


I don't know where to go now.
I called Experian about my student loan being discharged in XX/XX/2017 and to have them update this information. I must admit this was a task so many prompts and when I got close to speaking with a representative the wait was over 2 hours. Then I receive information that a fraud alert or freeze had been placed and I will be billed XXXX. I called Experian again took forever to reach a person and I told her that I didn't want that freeze or alert. I then receive documentation from experian and the others the alert is still there but then experian representative wrote in the letter ... The number you provided when adding this alert is XXXX I havent used that number in over a year and I clearly gave that person my correct number XXXX! This is scary when the credit bureaus are being deceitful and then charging you. Their repeated attempts to trick the people into purchasing an alert or fraud is wrong. I have enough going on health wise that why I got approved for XXXX and XXXX XXXX XXXX and one of my issues is having a XXXX XXXX. The credit bureaus games only anger my person and that's not good. Then experian then prompted the other bureaus to place a freeze on their part too. I had applied for a credit card and denied due to alert or freeze placed erroneously.
Supporting documentation that my express account should be reporting in accounts that are satisfactory. Right now it is reporting as potentially negative. This letter is from my XXXX credit card account supporting documentation that the XXXX credit beaurous need to change the status to positive instead of accounts that are negative.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX To Whom it May Concern, I am writing to dispute a negative information being reported on my credit report by Equifax ( Account # XXXX ). I have disputed this account information as inaccurate with Equifax, and they have come back to me and stated that they were able to verify this debt with the collection company name XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

This cant be true because on XXXX XXXX, 2017, I contacted the collection agency myself asking them to validate my debt. Till today 's date they have been unable to verify that this is indeed my debt. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires Equifax to verify the validity of the negative account information within 30 days. If the validity can not be verified, the negative information must be removed by law.
Select Portfolio Servicing has alleged that there is a contract between parities, within this complaint there is no contract. We have made multiple attemps to resolve this issue with the CFPB and other agencies and now have filed a lawsuit against XXXX, XXXX XXXX, Select Portfolio Servicing and all other banks involved. The CFPB stated that " We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to  identify questionable business practices that may lead to investigations and prosecutions ''. This is a great idea to bring about prosecutions using the RICO act, due to the continuous illegal tactics and communications to collect a debt that has been proven to be created by identity theft. SPS continues to re-send the same documents that have been proven to be forgeries. They also seemed to have created new documents, and alleged without varification to have a contract with the property owners, but when ask of the contract, they have not produced such contract and or have placed this situation to higher investigations. No affidavits, no witnesses, and no officer signs off on the the alleged documents wherein its just made up accounting and numbers, with no proof of a contract. They state that they are follwing the law, but make no mention of what laws they follow. It is assumed and believed that they SPS are a foriegn agency and are illegally attempting to collect fraudulent debts within the USA. Having an address or a location in the USA doesnt make you a company within the USA, they have simply just got or aquired a name and are attempting to sieze properties within the USA as outside agencies or fraudulent companies.
I received a copy of my credit report from EQUIFAX. 
The credit report showed a fraudulent account that I did not applied for. I have asked Equifax to remove this fraudulent accounts that they are reporting on my credit file. to this day Equifax has fail to remove this fraudulent accounts in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) I have send a copy of XXXX XXXX XXXX Police Department Fraud Case # PD XXXX I have asked Equifax to remove the FRAUDULENT ACCOUNTS listed below that remain on my credit report in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I was informed by a financial institution that my credit had a credit alert. I was concerned because I had not place one since 2008. Back then I placed this alert as part of the products that Equifax was servicing my account. However, few years after I requested this feature to be removed. 
As I delved into the details of what was happening, I was told that even though a request was made year ago, there is circumstances that require adding these feature without my consent. Those instances were thirdd party involvement, etc. I became more troubled because this oversteps my rights to be informed of what happens with my credit. 
I requested that the fraud alert be removed. Another issue that has not been addressed in the past and I have gotten tired of the run around is my inability to access credit reports ( adverse actions or yearly credit reports ) online. There is a blockage autocratically imposed on my profile that restricts me from gaining access to my credit report. I have not been successful at doing this process online. 
Lastly, the request for additional information anytime I request a credit report. This information has been verified with the security questions. Also, my credit profile has my personal information submitted few years ago. Why do I have to do this process again? 
The ultimate challenge is when I dispute information ( with a representative ) and I do have to explain myself ( detailed ) because I am questioned about the reasons why I want it to be investigated. I understand that some information has to be explained, however there are limits. The questions asked by XXXX, the representative overstepped those limits.
Greetings, I 'm a payee for my son  XXXX   XXXX , who was incarerated sometime in  XXXX   2017 . When I learned of his incarceration immediately contacted  the SSI offic e and requested his check for  XXXX   XXXX   2017  be stopped. I learned on  XXXX / XXXX / 17  that the checked was issued. I never received these funds. I immediately went to th e SSI. And asked why did n't the rep stop the check like I requested, she had enough time to stop the check, Ssi  was very evasive, so I contacted  Direct Express  and spoke with  XXXX  employee number  XXXX , she could not answers my questions either, so I was transferred to le vel 2  and spoke with  XXXX ,  XXXX ,  XXXX ,  XXXX . Neither of these people could or would not give me an address where the transaction for  XXXX  took place. I need to know an address where someone went at  XXXX   XXXX  and took money out of this ATM. I need to get to the bottom of this. So those responsible will be held accountable for theft. I would like a through investigattion into who took this money out of this ATM, and the location, th e Ssi is  trying to hold me Responsible for something I did not do. I will be filling a police report regarding this matter.   I am very up set. I asked the reps from Direct Express who regulates them! They would not disclose this information to me. I found that very upsetting. I want those responsible for take that money held to answer, and that money returned to t he SSI loc ated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX . I 'm very saddened by this situation, that someone would take advantage of my son being in jail and steal the money. When it should have been sent ba ck to SSI. Tha t was my sole purpose of contacting them so the check could be stopped. Please help me resolve this urgent matter.   Sincerely,  XXXX   XXXX
I have spoken to several representatives with Franklin today. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she's not sure what the charges are. This was originally placed with XXXX XXXX XXXX and was returned to XXXX XXXX XXXX  and now Franklin is threatening to ruin my credit. We also fall under the Serviceman relief act for military spouses.
I have never heard of Midwest Recovery. Last week, I saw XXXX collection accounts on my credit report ... XXXX for {$720.00} and XXXX for {$720.00}. I have NEVER had any dealings with these people, and they failed to provide me with the letter that is required by law before reporting to the credit bureaus - therefore denying me the right to 30 days to dispute the debts.
Transunion is not accurately reporting my on time payments for the months of XXXX, and XXXX For my XXXX ACCOUNT. All my payments have been on time and should be reported accurately.
My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans
My current credit rating is between XXXX. We have approximately XXXX in credit on our principle property. I applied for a loan with TD bank in the amount XXXX for debt consildation. The sent me a letter stating I was tentatively approved for the loan. They requested documents pertaining to my existing loan XXXX proof of insurance, XXXX, etc and gave me three days to get paperwork together. XXXX letter wa predated one week prior to receipt ). Once all documents were in place, TD bank requested additional documents not previously documented in letter. My husband and I also own a rental property we are in the process of selling. After two months, I received a call from XXXX XXXX XXXX stating my loan is declined due to loss of money from our rental property. We are renting it at a XXXX loss/month. I strongly believe the denial of this loan is race based. I have a very strong credit rating and have never defaulted on a loan. We also have positive equity with XXXX properties. Their explanation is nothing short of preposterous!
My monthly mortgage payment will increase by {$600.00} effective XX/XX/XXXX due to escrow. In XX/XX/XXXX, my loan was transferred from XXXX XXXX XXXX  to Mr. Cooper Mortgage. XXXX XXXX states they paid my school taxes of {$6000.00} before transferring the loan to Mr. Cooper. Mr. Cooper stated that they paid my school taxes after the load was transferred to them. If both mortgage companies paid, this would have resulted in two payments for the same school taxes ; hence, an overpayment.

Per Mr. Cooper, their escalation department contacted the county to verify how many payments they received for XXXX and the county confirmed that only one payment was received for XXXX. Afterwards, I reached out to Mr. Cooper asking who submitted the payment to the county : XXXX XXXX or Mr. Cooper and Mr. Cooper stopped responding to my inquiries. I have been trying to resolve this matter for sometime. We do not have an additional {$600.00} to add to our current mortgage payment. We understand that mortgage payments can fluctuate ; however, an additional {$600.00} is extremely excessive. 

We would have never purchased a home that would cost us an additional {$600.00} per month. This is way out of our budget. 

Can you please help us.