WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage company held my mortgage which they purchased from XXXX. On XXXX XXXX this balance was payed off in full. on XXXX XXXX I called Nationstar to inquire when I should expect the release of mortgage/Iien papers and when my county would receive the deed. At that time I was told XXXX days after payoff, which was XXXX, so I should receive release of mortgage in XXXX days. 
On XXXX, I again called them and was told I would receive the paper work in XXXX days, on XXXX XXXX I was told 30 days following payment, which again they said was received XXXX XXXX, so again I was told, inXXXX business days. On XXXX XXXX, I called again and was told my paper work should be received in XXXX business days. On XXXX I went to Nationstar 's online site and filed a form requesting the proper paper work to show the mortgage had been payed off, on XX/XX/XXXX, I received a return memo per e-mail stating they had received my request and should receive the release notification in XXXX business days .As yet I still have NOT received this and am beginning to believe they have lost the the deed, I am tired of this run around. I was given your name by another financial institution. My next step will be to an attorney, I feel that I have been overly patient. Please help.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Experian is refusing to delete negative reporting of late payments on an account that are dated as having an original date of delinquency of longer than 7 years. I have disputed this information on three separate occasions and have been given different dates of when the late payments would be removed. 
The account is with XXXX XXXX XXXX XXXX   and I have confirmed that the original date of delinquency is XX/XX/12 with XXXX and that the account did not become current until XX/XX/12. This negative information is outdated. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
I feel behind on my credit card bills due to economic hardship XX/XX/XXXX/XX/XX/XXXX. I reached out to Chase not to settle for less than the full balance but releif from huge payments and an inflated intetest rate. I enrolled in their economic hardship program that had a low fixed rate and auto drafted my monthly payment. Each year they required me to re-up my autodraft payments. A month before I would get a notice to prompt that is was about to expire and I would call Chase and get the next year taken care of. XX/XX/XXXX I got a statement telling me I was late and when I called becuase I never received a notice they told me they did not need to send notices. I tried to explain that I had received them for the last 4 years and asked why they stopped sending them when I was 2 payments away form completely satisfying the balance. They could not find record of sending the notice. I spoke with a manager and they assured me it would not show up as late, but to my suprise they lied. I tried to dispute the account but they were unwilling to assit. The shame in all of this is that I could have settled for less than the full balance but chose to pay them everything in full. I made every payment ontime and then due to their internal system did not get the notice that the current auto draft cycle was ending - my credit gets knocked.
Hello, I really do n't know where to start, there are so so many of multiple complaints and issues with this company and their business peactices XXXX affiliate XXXX XXXX XXXX XXXX!!! XXXX Northwest Financial Services sent me collection letters that I certified back to them by mail with notice that I 'm disputing and want verification of the medical debt that NWF stated that I owed. I sent the certified letter by mail within their 30 day period and I never recieved a validation letter in return, but that is just one of the small things. NWF is continously sending me mutiple collection letters ' for my XXXX daughter that does not live with me yet alone we live in different towns. NWF is still sending me debt collection letters for the same same dates of services and with different amounts but same account number ... ..EXCEPT for XXXX collection letter that they mailed to me, stating that ai owed medical debt for services I never rendered. NWF removed my daughters name and then added my name with a fake/false account number that went with it and then they sent it to me for demand payment. I have all the documentation and the letters from XXXX XXXX XXXX and NWF, stating and showing the misrepresentation, false statements. Account numbers and amounts NWF stated that I owed. I have all the documentation, statements and itemized statements that shows their falsifying statements that this is not an active account number, etc ... ..again, this is just XXXX of the multiple and multiple of complaints and issues that I 've had with this company. I also want to file a complaint and I am in the process of filing a federal civil suit against both Northwest Financial Services and XXXX XXXX AKA XXXX XXXX XXXX regarding multiple issues, fraud, misrepresentation, etc. I do n't know if you guys can help me and aide me in yhis process and help me make the best decision that I need to, to take against suits against these companies. I 've had enough and they are not going to bully me make me lose any more sleep any more hours at work and any more time with my family by investigating this every year. Thank you so much for your time and I hope to be hearing from you to see what I can do to move on in the right direction of a federal civil suit and you can see all of my evidence against these businesses. Again, thank you for your time. XXXX XXXX XXXX has summons me to court already with all this debt, which I did WIN, however theyvare still harassing me and still sending more collection debt notifications by mail over same dates of services.
I have disputed this several times. With CRC and agency. I have provided payment schedules along with letters from the CRC. Drivetime.., is the company I have my car loan with. From XX/XX/XXXX thru XX/XX/XXXX.., I attempted to make actions to pay off my loan early and thus, by recommendation of Drivetime, started making payments 1 1/2 times to 2 times required payments. However each month seemed I owed monies when I prepaid. I attempted to resolve this .., but received little to now cooperation. XX/XX/XXXX payment was collected of which Drive Time did not give me credit for and showed my car as being repossessed. At this point I requested an Audit of my account and after 3 months, my funds were finally applied. However my payments status and balance were still in question. I have tried 15 different times and at least 20 hours of phone time to try and get the payment schedule along with how my payments should have been allocated corrrected to no avail. Seems DriveTime made attempts to get it right and then will report incorrectly again and again. I have been working to get my credit straight for almost 2 years to purchase the home I currently live in. These errors with Drive Time have not only cased a monetary hardship for me but is directly affecting my ability to be mortgage ready. ( needless to say I am still renting a house I should have been able to buy several months back if this issue with DriveTime did exist. ) I am truly at a loss and really do n't know where to turn. I do have a payment schedule I requested from Drivetime, which does reflect my prepaying several months in advance. However, per my last conversation ( which I have ever conversation documented date and times ) I was told by a Drive Time customer service rep., there had been errors made to ALL customers in terms of reporting for XX/XX/XXXX and the entire year had to be resubmitted. I did ask to speak with her manager and she informed me there were no managers at her level I have XXXX basic items first, why has DT reflected 30/60 days late when in fact I prepaid months in advance.. and per serveral conversations with DT wanted these errors corrected. And I believe based on the misappropriation of my funds paid my balance is higher than it should be. I would like to have these things fixed and some kind of monetary compensation for the out of pocket expenses and hardships experienced due to these issues.
This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.
When l checked my XXXX credit report, l noticed that there is a hard inquiry made by CHASE CARD on XX/XX/2018 which l have no idea about it.
XXXX   XXXX   and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX  , have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for   XXXX   XXXX   provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX    maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement,  XXXX  and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
I was called on my personal number on XXXX/XXXX/2016. I asked the representative for no further calls. I explained that I would pay when I could pay. 
The representative said it does not work that way and they could continue to call as long as I owe. I explained that no, they are not. I told the representative again, do not call. 
On XXXX/XXXX/2016 this company called my place of employment and threatened to sue me. 
The company name is Franklin collection Service
I purchased a home in XXXX 2013 with Boeing Employees Credit Union. I was provided an appraisal from XXXX XXXX XXXX and XXXX XXXX stating my square footage was XXXX. I recently applied for a cash out refinance on this property and another appraisal company stated it is only XXXX square feet. I feel I overpaid for the original purchase and was provided inaccurate information from XXXX at origination. I was sold a property under false information in regards to square footage.
letter from EQUIFAX shows that XXXX acct # XXXX and XXXX account # XXXX were deleted from the credit file on or before XX/XX/2015.the letter is attached here. 
both accounts have reappeared on the credit file.
I wired the money to Coinbase on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX it never reached my account I called the company and sent emails as well my bank tried to catch them without success just on XX/XX/XXXX they only wired me XXXX and i still waiting
According to California Statute of Limitation the item has past the 4 year statute of limitation. The alleged debt should no longer be falsely showing on my credit report. According to section 609 of FCRA, the item is false and erroneous. Please remove item.
In XX/XX/XXXX I received notice from my mortgage holder, Waterstone Mortgage, that my loan would be transferred to XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called Waterstone and spoke with XXXX, who advised me to pay my XXXX XXXX payment ahead of time to avoid having a payment show late during the loan transfer. I did so over the phone, paying {$2500.00} on XXXX/XXXX/15. I have confirmation of this payment from Waterstone and the full payment was debited from my account on XXXX/XXXX/15. However, Shellpoint mortgage did not receive notice of this payment at the time the loan transferred, so their records still show that I owe them a payment for XXXX XXXX, 2015. I have provided the written documentation of the XXXX/XXXX/15 payment to XXXX. I have contacted both Waterstone Mortgage and XXXX XXXX multiple times by phone, email ( through their secure messaging systems online ) and sent written requests to XXXX to have the issue resolved. So far, all I 've gotten is both sides pointing fingers at each other, both claim they are investigating, but neither has resolved the issue, nor acted on my request to provide status updates. Waterstone mortgage took a full week ( from XXXX/XXXX/15 to XXXX/XXXX/15 ) to send a response to my online message inquiry. Their response was a form letter acknowledging that they were delayed in responding and instructing me to resubmit my request via the Message Center. Basically, I 'm back to square one with them. 
I would welcome advice as to how to get both companies to take action and respond - I feel like I 'm stuck in the middle with no recourse while both do nothing. Meanwhile, a {$2500.00} payment I made is lost in limbo and the new mortgage holder, XXXX Mortgage, shows me as being past-due on my payment, even though I have provided them with written documentation from Waterstone that I did in fact make that payment. What are my other avenues to ensure that ( 1 ) my principal balance is corrected to reflect the payment I made, and ( 2 ) my credit is protected? 
Word of warning to all consumers : avoid Waterstone Mortgage! Our experience throughout the process of buying our house was painful, and it 's only gotten worse from there.
Had a account with XXXX over XXXX years ago ... have not had XXXX since XX/XX/XXXX-XX/XX/XXXX lost job request cancellation of service ... .went away than reappeared stating account was open XX/XX/XXXX which is untrue and collection agency XXXX XXXX is try to treat this like a new debt not one that is past the time limit ...
XX/XX/XXXX I requested copies of my XXXX credit reports thru the annualcreditreport portal. I noticed that my Transunion report had a XXXX XXXX XXXX credit card account listed under " adverse accounts '' because of a late payment XX/XX/XXXX. I knew that I had never had a late payment on that account, so i submitted an online dispute with Transunion notifying them of the error. A few weeks later I recieved notice from Transunion stating that the information had been verified by XXXX XXXX XXXX and would remain as adverse on my credit report. Becaus I knew that i had never had a late payment, I called XXXX XXXX XXXX and spoke to a rep in their credit department. The XXXX XXXX XXXX XXXX confirmed that I had never had a late payment. I asked if they could send me a letter stating that the account was never late, and they did. After I received the letter from XXXX XXXX XXXX, I initiated another dispute with Transunion. This time I mailed the dispute, along with a copy of the letter from XXXX XXXX XXXX that said my account was never late. XX/XX/XXXX, I received a letter from Transunion with the Investigation Results from the latest dispute. They had removed the XXXX XXXX XXXX account from Adverse Accounts, removed the late payment, and listed the account under Satisfactory Accounts. I was satisfied with this and assumed the matter was finished. But recently when I requested a copy of my Transunion report, I noticed that the same XXXX XXXX XXXX adverse / late payment information had been reinserted into my file. I called Transunion dispute today, and they said they had no record of the information ever being removed. I would like for Transunion to remove the negative information from my report agian and to please not reinsert it. Also, if they do reinsert negative information that has been previously disputed / removed, i think Transunion should notify me in writing of the reinsertion. Otherwise my credit history is being damaged without my knowledge. Thanks for your help with this matter!
Hello, I am the holder of a Chase XXXX XXXX XXXX XXXX  Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XX/XX/XXXX I was out of the country on business. Chase tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. Chase claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually chase will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by chase. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. Chase closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe Chase is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not.

I have been banking with Chase for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX
Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments
My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. 
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. 
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. 
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.