WillisBack/dataset-financial-user-claim huggingface dataset:
Recently l was reimbursed fees that were charged by an Equity Accelerator Program. This refund prompted me to look into other accounts to see if there was discrepancies with the fees that I have been charged. I discovered a ton of fees that have been charged to me by my mortgage company Nationstar. In the month of XXXX XXXX I was changed XXXX fees of varying amounts. In XXXX XXXX I was charged XXXX fees of varying amounts and in XXXX XXXX I was charged XXXX fees of varying amounts. There are other months in which I was charged just XXXX fee, but the amounts always vary. When I contacted Nationstar I was originally told that the fees XX/XX/XXXX stemmed from a missed payment in XXXX XXXX. I was told that only a principal payment had been received. When I pointed out the fact that the history shows a regular payment and a principal payment on XXXX XXXX, XXXX the story changed. The next explanation that I was given was related to the bankruptcy that I filed in XX/XX/XXXX. I was told that I missed payments in XX/XX/XXXX and XX/XX/XXXX and that the fees that I am being charged in XX/XX/XXXX and XX/XX/XXXX are related to those missed payments. When I pointed out the fact that my mortgage has only been with Nationstar for 39 months but that I am charged XXXX fees I was told that I was misunderstanding the charges. Well I do n't understand the charges. As I stated my mortgage is paid through an Equity Accelerator Program. I ca n't remember when I started the current program because I had had it set up through XXXX XXXX prior to my mortgage being sold. I attempted to speak to Equity Accelerator and they advised that due to a system upgrade I am not currently able to review my transaction history. Any questions can be answered by a representative. When I spoke to the representative she referred me to Nationstar. I am getting the run around here and I need to get to the bottom of this.
I have recently been through extreme financial hardship last year to include almost being evicted from my home, and when I contacted Santander Consumer they graciously helped me resolve my missed payments by granting me a deferment on my loan and now I am current and have been since my new job in XX/XX/XXXX. The deferremnt moved all of the missed payments to the end of the loan with anew maturity date thus making me current. I was assured that this would take full effect and that my credit would not be jeopardized as I was now current. I have disputed the late payments that are reporting on my credit with Santander on several occasions with credit bureaus to all come back verified by Santander. How is this accurate if my payments were actually deferred per my signed agreements? These inaccurate late payments have decimated my credit worthiness and have hindered the improvement I am making in paying my bills on time.I am forever thankful to Santander for extending the deferment to me and would like for them to remove the inaccurate reporting of the lates I have on my credit. The lates are as follows : XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late
I did not ask for a security freeze to be put on my credit The problem is the verification/validation Transunion did not verify the XXXX XXXX collection account on my credit. XXXX is not a valid form of verification. XXXX XXXX is a third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the XXXX representatives are not allowed to call the creditors nor the collection agencies. I sent Transunion a method of verification form that was never filled out.. Once again XXXX is a web based automated system that Transunion use . That is not verifying this account. I will be contacting the president of Transunion XXXX XXXX XXXX if this account is not removed immediately. The account not verified nor validated are XXXX XXXX.
A letter of dispute was initiated Capital One regarding a debt that was paid in full. The letter failed to generate a response in the 10 day window in order to get inaccurate information removed from the credit bureaus that were reported by Capital One.
On XX/XX/2018, Mr. Cooper was paid off, in full, upon the sale of my house by the attorney & title company. They have misapplied the payment due to their error after having first told me that they 1 ) Never received the check, despite having signed for the Overnight envelope 2 ) said that though they may have received the check, it may have not had my name / account number on it -- so they would have destroyed it 3 ) incessantly calling me at work now to say they are reporting me late and will begin foreclosure process, even though they are " researching '' this issue. 4 ) Have taken no measurable action to correct this issue which has driven my credit score to less than 600 and is impeding my ability to find other housing. 

They have now stated that they believe they credited the wrong account, but are still investigating. My attorney sent them a letter, but it does not seem to have expedited the resolution of the issue. I also believe that they attorney & title company were negligent in not confirming receipt of the payoff or processing it by wire transfer vs. a seller provided third party check. 

They are not overly concerned with assisting me in this matter, they have no sense of urgency and they have added a {$25000.00} fee to my loan balance, according to my online loan access?? They have not disclosed what that fee is for or when they will remove it due to their errors. This makes me extremely nervous. The buyer of my house will be listing the property soon to resell after upgrading the house and I am nervous that I will be sued due to lack of clear title to the house I sold. Help!
Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from E*TRADE and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the E8Trad loan. I never received the Capitol Gain, but did pay taxes on it. XXXX XXXX XXXX XXXX has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you
On XXXX/XXXX/15 I contacted XXXX to ask about getting my services lowered because my " special '' was running out in XXXX 2015. XXXX was unable to get the service lowered to my previous bill amount. I discussed with the agent and was told that my billing cycle ended XXXX/XXXX/2015. I paid my bill in full through XXXX/XXXX/2015 and advised that I would like to have my services disconnect on XXXX/XXXX/2015. The agent was very nice and advised that on XXXX/XXXX/15 I would no longer have XXXX service. They also advised that I could take all of my equipment to local XXXX store to mail back at no charge. 

On XXXX/XXXX/2015 I came home from work and my services were turned off, just as I discussed. On XXXX/XXXX/2015 I took all the equipment to the UPS store ( attached receipt from XXXX store and attached email confirmation from XXXX ) and mail back to XXXX. This completed my business with XXXX. 

On XXXX/XXXX/2015 I received the attached bill from XXXX stating that I had a outstanding balance of {$190.00}. I called the customer service number ( XXXX ) to see dispute the charges on my account. The customer service agent advise the charges were for XX/XX/XXXX. When I advised that I disconnect my services on XXXX/XXXX/2015, she then advised she would have to transfer me to someone else. The XXXX agent advise me that the charges were for XX/XX/2015. I advised that I paid my bill in full when I called on XXXX/XXXX/2015 to disconnect my service on XXXX/XXXX/2015. The agent then advised me that they could see where I called in on XXXX/XXXX/15 and paid my bill, but the agent at the time should not have told me that I paid in full. I continued to dispute the charges. The agent transferred me again. The XXXX agent advised me that XXXX had since gotten a new billing system and that some of statements were incorrect and that it looked like I had been billed twice for what I had paid on XXXX/XXXX/2015. They then transferred me again so that someone could clear the charges. The XXXX agent advised me that I owed the {$190.00} and they could not clear it. I continued to dispute the charges. The agent advised that my account was still active, when I ask how and explained that I did n't even have any equipment she said they never received my equipment back in the mail. I gave her my reference number from the XXXX store and she could not find it. I waited on hold for a " supervisor '' to speak with. The supervisor was very rude and explained to me that I just needed to pay the bill or get turned over to their collection agency and have a bad mark on my credit. I currently have a XXXX credit score and take pride in paying my bills on time. I do not appreciate being threatened. After XXXX min with nothing resolved I hung up.
On Monday, XX/XX/2018 I went into XXXX  XXXX in XXXX XXXX to purchase a XXXX XXXX. Before going to the dealer I had already gotten approved for a car loan with XXXX XXXX XXXX for 60 months at 2.64 % for $ XXXX. After finalizing the price on the car and trade-in with XXXX XXXX and XXXX XXXX I was provided a credit application from the dealership through Toyota. I declined as I informed them from the beginning that I had already obtained financing through XXXX. They came back a few minutes later with the application claiming that I had to fill-it out as they legally needed to collect that information, but assured me my credit wouldn't be run ( I was still financing through XXXX ). This morning ( XXXX XXXX ) I received an alert from a credit monitoring service that two hard inquiries had been processed with XXXX XXXX and XXXX XXXX XXXX  through XXXX. I called XXXX  XXXX spoke to XXXX   who put me in touch with XXXX ( one of the finance guys ), I told XXXX how I upset I was, he told me XXXX had entered the inquiries, I told him to have XXXX XXXX call me. In the meantime I emailed the GM, XXXX XXXX outlining what took place and I've received no response as of yet. XXXX XXXX then called me back shortly thereafter and told me he was doing me a favor trying to get me a better rate. I informed him that he wasn't doing me a favor and that he had no right to run my credit. He told me that it didn't hurt my credit, which is factually inaccurate based upon my conversation with XXXX at XXXX  this morning. XXXX at the end claimed ignorance claiming he just got here and did his job. XXXX XXXX and every person I dealt with their used fraudulent inducement to get me to fill-out that application knowing all along that they were going to run my credit and try to gain the financing business. My credit has been damaged due to this fraud and they need to make restitution.
Ocwen has a copy of an allonge on their website which I have never seen before. Ocwen did not become our servicer until XX/XX/XXXX, but the allonge is signed by a XXXX XXXX as VP of XXXX XXXX XXXX with the loan number that was assigned to us by Ocwen in XX/XX/XXXX. The allonge is dated XX/XX/XXXX, same day as the closing date of our loan. XXXX XXXX has been with XXXX XXXX for 10 years, XX/XX/XXXX to present. We examined our loan file on XX/XX/XXXX and this document was not part of our original loan file.
On XX/XX/XXXX, I contacted American Express to let them know my financial situation had changed and I wanted to close the account and set up a 5 year plan with possibly no interest with automatic deductions from my account. At that time, the CSR told me that they could n't help me with that plan but to call in XX/XX/XXXX. I did, by this time I was 30 days late. I was told they could n't help me then and to call back in 2 weeks. I called in XX/XX/XXXX. I was now 60 days late. I was speaking to someone in a call center in another country where the English was horrible. I thought we had agreed to the 5 year plan at a very low interest rate with them deducting {$200.00} from my account. It was supposed to start in XX/XX/XXXX. I get a letter today from a collection agency that American Express has turned it over to them. I spoke to them and they claimed they could n't help me with a 5 year plan. I called American Express and they wo n't speak to me now. This is total abuse by a large credit card.
I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. 

I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. 
My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! 

Sincerely, XXXX XXXX ( XXXX )
As of my XXXX/XXXX/XXXX Chase Visa statement, my only balance was {$6900.00} which was entirely related to a 0 % APR balance transfer I had processed thru my Chase Visa account in XXXX. This balance transfer includes a 0 % APR that does n't expire until XXXX/XXXX/XXXX. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I added {$3800.00} in new purchases to my Chase Visa card. Since I knew I would incur finance charges ( at my regular 10.24 % APR rate ) immediately after these NEW purchases were posted, I paid off these new purchases a week later by paying {$75.00} on XXXX and {$3700.00} on XXXX ( Total= {$3800.00} ). Rather than applying my payments to the higher interest rate balance, Chase applied most of my payment to the 0 % APR balance. I wrote a complaint to Chase Visa, but got back a messy canned response that repeated several sentences ( obviously a bad copy and paste job ) that claimed that all postings to my account were done correctly. Should n't Chase have applied my payments to the higher APR such as is mandated by the CARD Act of XXXX?
TCF continues to re-order my transactions to charge me EXTREMELY high over draft fees, in the last 30 days TCF has charged me over XXXX in OD fees!! I would like a full accounting of the amount of fee 's since XX/XX/XXXX on my account! They continue to re-order pending transactions that have already cleared. Just a couple months ago my account was OD by around 8 dollars.. they re-ordered already pending ATM transactions to charge me over {$150.00} in OD fees! When I called to discuss I was told TCF does not do any OD refunds at all but they would waive half! This abusive practice is ridiculous and is NOT practiced by other banks. I am fully prepared to retain a consumer protection attorney if needed. Please send me a full accounting of the money I have been charged for erroneous OD fee 's for the full year. I would like my money back this is going to make me bankrupt!
I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.
My mortgage lender keeps " holding '' our monthly payment to apply a late fee. 
payments sent through the bank or mailed always post between XX/XX/XXXX-XX/XX/XXXX regardless what day the payment was mailed on. Their investigation department took all of 5 minutes to review and determine that the payment was late and imposed the {$110.00} late fee. 
They continuously call my cell during work hours leave messages on my cell contact my husband every day to make the payment using their automated service- which they charge {$19.00} - I get 3 calls a day beginning on the XXXX of the month.
Modification of loan granted in XXXX by Citimortgage then " unbooked '' by Citimortgage in XXXX XXXX due to their " internal issue. '' As a consequence, Citimortgage has reported nine months of delinquent payments and inaccurate balance of account to the XXXX credit bureaus dating the inaccurate data from before the modification was approved. I have documentation from the company assuring me that no negative reporting would occur. I submitted disputes to the bureaus but when updated, information from the mortgage company continues to reflect the inaccurate information with even greater delinquencies.
I was hospitalized on XX/XX/2018 to XX/XX/2018. When I was released from the hospital I discovered that my debit card was used without my knowledge or authorization. I contacted Wells Fargo and filed a dispute about the charges. 

I provided them two different letters from my Doctor about this time period. Wells Fargo has stated that they know I was in the hospital and yet because someone used by card with the pin number that I must have given them permission to use my card. 

At no time during this time frame did I ask anyone to use my card or authorize anyone to use my card during this period I tried to explain this to Wells Fargo but they refuse to listen to me. 

During the time I have been dealing with Wells Fargo they have told me that my dispute is from {$4000.00} to as high as {$8000.00}
XXXX has been pursuing debt collection activity that they alleged was transferred from Bank of America, Loan XXXX. 

The loan XXXX transferred from Bank of America had a zero balance. 

On XXXX XXXX, XXXX, XXXX indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, XXXX 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX XXXX is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, XXXX sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, XXXX Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, XXXX reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX 5. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX 4. Past Due amount {$110000.00}
jefferson capital system acct. no. XXXX is wrongfully reporting on XXXX, XXXX, and XXXX credit bureaus.J.C.S.is collecting for a fraudulent XXXX XXXX debt, the original creditor.JEFFERSON CAPITAL is trying to collect XXXX dollars, of which 700 approximately appeared in charges after I cancelled for poor service and reception and had switched my phone and telephone number to XXXX XXXX.
Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing date. On the hearing date they had no abjection the discharge and did not disclosed the lien. I am selling the home now a short sale only to find the lien is still in affect after they got paid. what a great scam!!!!
I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor.
I received a letter from XXXX XXXX stating that they had purchased a debt from XXXX. I told them I have never heard of such a debt. The first time they called and I stated I would like them to " Cease and desist '' as I had no idea what this was. 

The second time they called, they asked if I had received the notice they sent. I stated I had no knowledge of the debt. The lady then asked if I would like to resolve the debt or if I would like her to " put a lien on everything I own ''. At that point I hung up
see attachments U.S. Constitution - Article 1 Section 10 Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. <P/>I am under the impression that not only is the contract null and void because it is missing signatures from other parties. But on the grounds that the bank never provided full disclosure. I was never told that the loan is to be paid for by the stock exchange and or other entities with my signature I was not loaned or given any silver, gold, coins or oil so I ask you. What was loaned and to whom was it loaned to? <P/>Just for the record what was the pay off?
I am current with my mortgage with Ditech however they are showing my account as past due. I have been told by their Customer Service Dept. that it is due to a software upgrade at the beginning of XXXX and that when I made my XXXX payment on XXXX XXXX they did not allocate it properly. As of today my account is showing that I owe them the payment for XXXX plus a late charge and the payment for XXXX. I have contacted them at least five times and each time I am told that they are working on resolving the matter, however I am getting collection calls from them even though I have been told that my account is noted that the issue is on their end and I should not be receiving such calls. I believe that the calls and the incorrect allocation of funds are a form of harassment and possible fraud.