WillisBack/dataset-financial-user-claim huggingface dataset:
A loan modification request was submitted on XXXX/XXXX/2016 to Nationstar mortgage 37 days prior to a sale date ( Hereto attached ). A letter was received from Nationstar on XXXX XXXX, 2016 advising us who the assigned representative was and to contact them if we had further questions regarding the status of the loan assistance ( Hereto attached ). A missing documents letter was never received from Nationstar within 5 days of the submission advising us the package was incomplete. On XXXX/XXXX/2016 Nationstar moved forward with requesting a sale date for XXXX/XXXX/2016 rather than suspending the foreclosure while the borrower was in the loan modification review. Nationstar was aware of the borrower 's legal counsel and spoke to the borrower advising they only received XXXX pages of the package on several occasions during the week of XX/XX/XXXX-XX/XX/XXXX, thereby disregarding our Notice of Representation advising there should be no further communications rather verbal or written with our client due to the borrower 's legal representation. The package was resubmitted on XXXX/XXXX/2016. Nationstar 's disregard for the HAMP and CFPB Directives as well as their disregard for Non-Communications with borrower 's under legal counsel is reflective of their neglect and duty as a servicer.
I received my TJX ( TJ-Maxx ) on XXXX XXXX, XXXX ( via mail ). The statement shows a payment due date of XXXX XXXX, XXXX. This credit card company is not giving me sufficient time to receive and pay my credit card bill in accordance with federal regulations. In XXXX, similar events had happened and I went forward and paid the late fee without complaining. However, now looking back, I should have complained as this may be happening to other consumers. I am filing my complaint in hopes that they make corrections to their operational practices so they can be in compliance and not harm consumers with illegitimate late fees because of their operational deficiencies.
Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly that XXXX XXXX XXXX is the owner of this account. Equifax reports incorrectly that this account has a balance {$7700.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I have four ( 4 ) accounts managed/handled by XXXX XXXX. Two ( 2 ) of the accounts haven't been used for quite some time. The other two ( 2 ) are used on a regular basis ( XXXX XXXX and XXXX XXXX ). I have held all these accounts for quite some time and have maintained a good standing status with them all. 

I made a purchase of men 's shirts from XXXXXXXX XXXX on XX/XX/XXXX, one of which was on sale for {$24.00}. I needed to return the shirt for exchange. When that transaction appeared on my statement dated XX/XX/XXXX I had been charged full price for the replacement rather than the sale price. The date of that charge is XX/XX/XXXX. On XX/XX/XXXX I contacted the number on the statement to address this overcharge to be greeted by a rude associate who was unwilling to assist me. I requested a supervisor that took 2 more transfers to get. I became frustrated and was, admittedly, not kind. The end result was that the manager connected with a representative at XXXX XXXX who credited the {$20.00} overcharge. I thought this was the end of the issue. 

I received a letter dated XX/XX/ from XXXX advising that my credit limit on the XXXX XXXXXX/XX/XXXXaccount had been reduced from the {$610.00} indicated on my XX/XX/XXXXstatement to {$100.00} citing a " significant decrease in credit score '' as the reason. I found this odd in that my credit monitoring service did not indicate any decrease. I have attached a copy of that letter for your reference. 

On XX/XX/XXXX I paid the balance due on this account to bring the account to {$0.00}. The payment was made via XXXX 's website. At that time I made a request to close the account as I felt the reduction in my limit was retaliation for the altercation during theXX/XX/XXXX telephone call. Unfortunately, I didn't keep a copy of that request. I received a letter dated XX/XX/XXXX advising that the XXXX XXXX account had been closed. 

Today, XX/XX/XXXX, I attempted to make a purchase on XXXX XXXX 's website and pay with my XXXX XXXX account. My card was declined. I contacted XXXX XXXX 's customer service number indicated on my card to inquire the reason. I was transferred to XXXX where I was advised that my XX/XX/ request to close the XXXX XXXX account resulted in all my accounts being closed. As of this date, I have received no communication from XXXX to advise of such. As is indicated in the attached notification of the closure of the XXXXXXXX XXXX   account, there is no mention of the other accounts managed by XXXX. My XXXX XXXX statement dated XX/XX/XXXX indicates I have $ XXXX in available credit and has no indication there is an issue with my account. 

While the XXXX representative advised that I can submit a letter to them to request the XXXX XXXX account be re-instated, I feel the activity delineated above has been unfair to me as a consumer. Further, I fear making that request will result in another reduction of a credit limit that, as I understand, would be yet another detrimental reporting to my credit score ( s ).
On Thursday, XX/XX/XXXX I receive a call from Navient to my mom 's house. That same day, I send a cease and desist letter through fax to Navient, and today, I receive and e-mailed communication.
There are several inquires that just hit my credit file and I did not apply for any of these XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
I attempted to file a complaint with OCWEN regarding late charges. My account has over XXXX in late charges and the rep who answered the phone showed no urgency nor did he seem to care it was a complaint. I 'm disputing the late fees, it is excessive and unfair. OCWEN and GMAC has waived fees for other customers and I should be treated the same and fairly. I am asking that OCWEN reduce the amount of late charges!
XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
Complaint is about Targe t Card Services. I moved in 2015 at  which point I updated my address. On several occasions since I have been unable to use my card, each time calling in and told the wrong address was on file and a new card was sent. Each time I updated my address with reps. Each time they asked that I repeat the address several times. Today I called because once again I never received my new card. The wrong address was still on file and my account was closed due to inactivity. I was told by the manager that I could not be helped because target confirmed that my address was accurate. This make s zero sense  because my address was NOT accurate. Target sent my personal information and credit card at le ast three tim es to wrong addresses. This is not okay and is a huge violation of consumer privacy and protection. I was told there was no one else at target to speak to and he only way to voice my concerns was to write and mail a letter.
I took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. 

Thanks, XXXX
Transunion will not do a proper investigation. They continue to say the the accounts were verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.
I had been fighting with Bank of America for 4 years and 3 months before they lowered my mortgage payment. They kept me on the phone for over 4 hours almost daily, and never refinanced my mortgage. After a few years of doing nothing and spending months on the phone, they told me to stop paying my mortgage. I told them no becuase I did not want my credit to be destroyed after working multiple years with up to 3 jobs at a time to keep my credit great. After several months of refusing to make less than required mortgage payments, always paying on time, after waiting the 4 years and 3 months, they told me all I had to do was sign the new loan papers for a reduction in monthly payments. Even though I told them every single month for over 4 years straight, I paid 100 % of my mortgage payments, they did not apply it to my mortgage as per contract, and they did not pay insterest or anything as it had been paid for years, they twisted all my payments for their benefit, and put my money I blatently advised for over 4 years as to be 100 % only for my mortgage until they lowered the monthly payment, the sent my money away from my mortgage payments and to cover themselves, put money into escrow and XXXX knows where else, and now I have destroyed credit, and now besides the destroyed credit and higher cost of insurance and living thanks to this, they have a lien against my property I am trying to sell. I just have been trying to get a job after losing my last one, and I need to downside, and they are making my life miserable still. They destroyed my credit, kept me from getting a place to live, and I can't sell my home becuase of the tax lien they put on me while stealing money from my mortgage payments. My credit just went down again because of them and my insurance went up because of these crooks. they have been destroying my life for years, and I want this fixed. They need to fix EVERY SINGLE PAYMENT that I payed 100 % of my mortgage payment to, and they need to fix my credit score immediatley and they need to get that tax lien off my property NOW so I can get a place to live and sell this place. I need results now! I have been tortured by them for years and EVERYTHING THEY DID IS ILLEGAL AND THEY NEVER HAD ANY PERMISSION FROM ME TO CHANGE ANY MORTGAGE PAYMENT AND STEAL FROM ME.
PHEAA offered rehab program based on my income. I receive {$1300.00} from XXXX. PHEAA garnished $ XXXX/mo for several months and then began taking $ XXXX/mo as well. I demanded they stop taking the {$200.00} as part of the rehab program but they are still garnishing me $ XXXX/mo which I do n't believe is based on my income. Also, they should be able to forgive the entire debt based on my XXXX but they wo n't because I get reviewed every 2 yrs instead of every 5 yrs. This is ridiculous XXXX.
The vehicle loan with XXXX XXXX XXXX XXXX was wrongfully repossessed in XX/XX/XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.
I have been paying on loan since XX/XX/XXXX and principal has not decreased by much, numbers do n't add up. Private XXXX loan acquired by AES XX/XX/XXXX
Car Hop and UAC are reporting incorrect information on my credit reports. I have made a lot of calls to them and nothing gets fix. I get treated very poorly by there reps and hung up on. They have that I missed payments when I didnt and reported that this account was charged off when it was not, it was still a open and active account. I paid it off now and it says I paid a closed charged off account.
For over 6 years I have been fighting with Discover Bank over them setting up fake accounts!  I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX!
And one was for a XXXX XXXX site!  discover Bank has been taken to Federal court over 300 times for setting up fake accounts and stealing money>>>
In federal court state court and county courts time and time again it has bee proven that they set up fake accounts and steal peoples money. fake documents, and lie in courts!!!
I had my Student Loans account with XXXX and I never missed a payment. When my loan was transferred from XXXX to XXXX XXXX, the monthly payment was increased from {$190.00} on XX/XX/XXXX to {$390.00} on XX/XX/XXXX. I contacted XXXX several times and each time I was informed that the new amount was due to the " consolidation '' of the account. My loan account had been already consolidated XX/XX/XXXX before it was sent to XXXX. XXXX refused to provide me a written explanation why my payment was XXXX after they took over the account. I stopped paying because I could not afford to pay {$390.00}. XXXX did not provide any solution to this situation. In the meantime they added {$8000.00} interest to my account. 

I was contacted by the US Dept. of Education XX/XX/XXXX and after calling them back I sent all the forms and documents they requested. Once they received them, they hand all my information over to a collection agency, AlliedInterstate. They added {$14000.00} collection fee to my account. 

I have contacted the Dept. of Education a few times. They said I have XXXX options : pay in full the owed amount ( which is not an option unless I win the lotto ) or " work '' an arrangement with the collection company. I contacted them or answered their call but they are full of XXXX because they know they " own '' me. I have also contacted the ombudsman, who all they did was to provide me a worthless case number but nothing else. 

Interest from XXXX and collection fees from AlliedInterstate have added are more than 50 % of what the original loan was. I 've never refused to pay my loan or missed a payment while the account was with XXXX. As an individual I have the right to know why my account has, all of the sudden, double the monthly payment and refuse to pay if no explanation is provided.
on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX  child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
I opened a line of Credit at Macy 's department stores. I had set up direct payment of the full balance every month from my checking account into the Macy 's department credit account to pay it off every month. I was not knowledgeable that I was also enrolled in the credit protection services provided by CITI bank. However, when I tried to use the services of this program and submitted the proper paperwork I was denied the benefits. I called many times to cancel the benefits, and yet they still appeared on my account.
The total experience I have had with this matter has resulted in me losing many deserved credit related opportunities, has cost me thousands of dollars in trying to fix this account, and no reprimand or understanding from either party. I still have a debt collected over my head and on my credit report that I constantly have to battle everyday since.
Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu.
I 've been given the run around multiple times and even forced to pay extra than my already agreed upon set monthly amount. My account online still says it is past due but today Navient has told my that my account is current. 

After being disconnect multiple times, with what I think people not wanting to figure out what is wrong with my account, I finally got through to someone who told me that because I made a previous agreement that I am fine and my account will be current, but the website will not reflect what agreement is made over the phone. I feel like this is a huge act of deception and could cause people to overpay/ or cause financial problems to some. 

Even after being told that our account is current we continue to get calls from an automated line from Navient saying our loan is due to be paid. 

I am scared that late fees are being charged and I am not being told about them and that this cycle will continue. They also seem to misallocate my payment as each of my student loans gets a different amount each month. 

Obviously there is more problems going on but I am unable to type all of them out. This is from loans when I was at school at XXXX - XXXX.
I would like to file a complaint against Quicken Loans, I completed a mortgage application that has not given me a refund of my " appraisal fee '' as I had previous appraisal that was used with their loan product. I was denied the loan almost two months ago and have not been able to get a response to get my {$400.00} fee refunded as Quicken Loans never conducted any appraisal or paid any third parties for an appraisal.
I would like to report Southwest Credit, which is attempting to collect a debt on behalf of XXXX. I had automatic bill payment with XXXX. I cancelled my XXXX service when I moved, and promptly sent back the equipment. Somehow, XXXX is claiming I have an outstanding debt and is trying to use Southwest Credit to get that back from me. Alternatively, Southwest Credit is purely a scam trying to get my credit card information. 

Please instruct XXXX and/or Southwest Credit to leave me alone, as I do not owe them a dime. I am paid in full with XXXX and will mercifully never need to use their services again. Please also let me know if I need to report XXXX 's practices to the FCC, as I know I am not the first person to have an issue with XXXX 's terrible approach to customers.