WillisBack/dataset-financial-user-claim huggingface dataset:
When set my account up for autopay when Nationstar first took over the servicing of my loan, five years ago. 

My mortgage payments were auto drafted from my account without incident until XX/XX/XXXX, when my mortgage payment was not autodrafted. 

I was not notified that my payment was not autodrafted or even that my autopay would be ending. Instead, I received twice weekly cold-calls/emails from Nationstar regarding refinancing my loan. 

I even spoke with Nationstar representatives on XX/XX/XXXX and was never informed that my account was delinquent or that my autopay had ended. Instead, I was solicited again regarding refinancing. 

Fortunately, I checked my bank account and say that the payment was never drafted on XX/XX/XXXX and called to get my late fee removed, but I received no answer as to why that payment was not autodrafted. Or an explanation why I did not receive electronic notification of the delinquency/autodraft failure..particularly when all my communications with Nationstar were electronic and I received so many marketing/refinancing solicitations from Nationstar during XX/XX/XXXX.
on XX/XX/2018 I checked my report just to make sure there aren't anything that im not aware of. However to my surprise there was an account being reported by Waypoint Resource Group in the amount of {$500.00} I have never heard of this company never received any mailings from them nor have I had any service or a contract with XXXX XXXX which is a company that provides service in XXXXXXXX XXXX not XXXXXXXX XXXX in which I reside and have lived in the last 9 plus years. Im 100 % sure this is a error or misreporting because I have never had service or contact which any of these companies and I never received notice about this alleged debt. Since this company is already in violation of the FDCPA for failure of written notice and right to dispute this debt. I am requesting immediate removal of the reporting of this account from all credit bureaus and cease and desist of All collection activities immediately. If this account is not removed upon my demand I will seek legal action against this company. Please send a response with attachments of a statement agreeing to remove from all reporting agencies and cease collection on this account as it is inaccurate and un validated information that was furnished. Per FDCPA and FTC this account must be removed when consumer has not been notified of his/her legal right to dispute or request validation of a debt along with certain statute of limitations determine how long you can collect or try to report old expired debts.
The are several inquires on my credit report that does not belong to me. Wrote letters to all the entities that requested my credit illegally without my written consent and permissible purpose on XXXX, XXXX, and XXXX. Advised them to provide evidence of permissle purpose and my signed written consent to me. They never responded to my three request. The inquiries in question are : XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them. 
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.
Wells Fargo Sold our Mortgage to XXXX when we were in default, Wells fargo never gave us a servicing transfer notice, we found out that our mortgage was sold when we began receiving letter from lawyer telling us our home was up for foreclosure, well fargo never tried to help us save our home, when we called wells fargo they said that we need to contact XXXX they no longer have our loan. this have been a five year process, where we have been trying modifications through lawyer, stopping sheriff sales, and they never event tolds us we can file bankruptcy or anything, not we received a writ of possession for our home from XXXX XXXX XXXX XXXX XXXX, but they are not the note holder no longer, XXXX XXXX XXXX Sold our home back to Wells Fargo XXXX/XXXX/2012, and I do n't know how when we had the sheriff sale postponed, I believe that my husband was under a predatory loan, he was only making XXXX, I talked to someone from Wells Fargo recently and they said our loan is in active foreclosure, but they are the XXXX, how can XXXX XXXX XXXX be requesting a writ of possession? and they are not the note holder, unbelievable, they did not give us a chance the mortgage company is not out here to help us Wells Fargo or XXXX XXXX XXXX, our mortgage have been shifted around, for profit on both sides, I have just been butting money out for nothing to lawyers trying to save the home and the lawyers already new we had no changce, I would of filed bankruptcy a long time ago before we got to the point of losing our home ... .we need help and answers, as of now we are still in the house, but do n't know how long we got can someone help us ... XXXX XXXX was a servicer of Wells Fargo , but they do not have the note to the home, how can they get a writ of possession? when they sold the house back to Wells Fargo.
hello my wife purchased something for {$25.00} from XXXX on XXXX card 2 years ago. we moved to different place after couple of months. 
we updated our new address for all C.C accounts including XXXX. 
here, real story starts. after more then 2 years i tried to use my card in the store and it didnt work. so, i called XXXX and i came to know that they have closed my account for not paying {$25.00} and with interest it is now $ XXXX.so, i asked XXXX why did not they send any statement and they said they sent it at my old address. so i asked him how come they did not update my new address when i have already ordered few stuff from XXXX at my new address. and he said it was computer glitch therefor, it did not get updated at our end. he said that now we have your new address but unfortunately your account has been forwarded to collection agency.and he also said that send them fax and let them know about this address issue and they will consider and wont charge any interest. i said OK ill pay my unpaid bill and send them fax twice. i did sent them fax to resolve problem but finally they sent it to collection agency. 
i wonder why they did not send my statement to collection agency for more then 2 years. when i tried to resolve problem at that time they realize to send unpaid charges to the agency. i would like to pay my unpaid bill {$25.00}. probably they wont consider that. i want them to hear my telephone recording with XXXX customer care.how come they did not find out my new address when i ordered online from XXXX. why did not they tried to call me about this bill. 

please let me know how to resolve this problem. 
thank you XXXX
I have a XXXX XXXX XXXX. I was supposed to get ebills from XXXX XXXX - I never did get an ebill checked my bank account. I forgot about the bill until it showed up delinquent on my credit report. I drove to XXXX XXXX on XXXX/XXXX/16 and paid in person. Otherwise, I have perfect credit. Now i get daily calls from XXXX or XXXX claiming to be American Express. I called XXXX XXXX and they confirmed these are not calls from them and my account is clear. The first thing they ask me is my date of birth. I refused and asked why they are calling me and who they are collecting a debt for. The man on the other end just kept repeating that he needed my date of birth. I asked them to inform me in writing of their concerns. He just kept asking for my date of birth. I became irate and told them to stop calling and I was going to report them as scammers. Finally, He said ok we will stop calling you. Of course, I do not believe that! XXXX XXXX has agreed to take this off my credit report and told methey would issue a letter to my home address within 30 days.
I 've asked before this is my 3rd dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and XXXX and Equifax credit reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my 3rd dispute on this issue ... .since the Equifax data breach my information has been exposed I have asked that Equifax , XXXX and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

Equifax please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... .see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on there twice ) remove one at least
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.
Contacted the specialist handling my debt collection and or complaint. She was not willing to settle nor provide any information to close the case. Consumer was willing to settle case and debt collector unwilling to.
Bank charged overdraft fees  XXXX  $ from my account.
 XXXX / XXXX /2017- XXXX  $  XXXX / XXXX /2017-  XXXX   $ I complained right away but, bank say   XXXX   XXXX   check cleared my deposit was   XXXX   XXXX  .
Also ATM machine (  XXXX  branch ) bite my debit card when I cash deposit.
I have to wait untill next day to see bank teller at the window.
I remember I had very very hard time at a moment to make chance to call and visit the branch for deposit the money.
Bank of America told my wife and I that we had to be 90 days late on our mortgage in order to short sale our home. Therefore we, got behind on our mortgage and when the short sale was finally approved and we had an offer on the house it had been a year because Bank of America held it up so they could keep charging late fees and penalties. Now on top of having a short sale on my credit I have a years worth of late payments on my credit. Now I have poor credit and cant get another home loan right now.
I was in the citi bank settlement and never received paymens at this time i have no accounts at this for banking my address is XXXX XXXX XXXX XXXX ca XXXX for XXXX XXXX XXXX my phone number to reach me at is XXXX. also I was in the XXXX XXXX settlement and i never received the refund also the citibank settlement either. also I'm a victim of identy theft where someone one has open all kinds of accounts with my info first XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, citi bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and taxes with XXXX and receiving payments with XXXX  for XX/XX/XXXX XXXX XXXX  XXXX and XXXX powerball payout. my ca dmv id XXXX was stolden for a whole year that they were using last year with my info I just recived a new one in XX/XX/XXXX XXXX if theres any way you can help me pleas contact me by mail XXXX XXXX XXXX XX/XX/XXXX ca XXXX or phone XXXX thank you sincerely XXXX  XXXX   als they had many XXXX XXXX  acciount with my info and XXXX cards
Predatory Lender - Discover Student Loans For years I pay {$500.00} per month through auto pay. 

XX/XX/XXXX and XX/XX/XXXX Discover reduced my auto payment to {$170.00} without my permission. 

When I called Discover they used a computer cliche as an excused for reducing the payment. This cost me {$50.00} more in interest and they only compensation me {$10.00}. 

My concern is for the thousands of others crushed by student loan debt who they may suffered. 

XX/XX/2018 Loan XXXX {$10.00} Paid ( compensation ) XX/XX/2018 Account XXXX {$500.00} Paid ( corrected auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$170.00} Paid ( Discover reduced my auto payment ) XX/XX/2018 Account XXXX {$500.00} ( prior years monthly payment )
XX/XX/2018 Dear Sir, I am a tenant at XXXX XXXX XXXX, XXXX   XXXX, XXXX, Minnesota XXXX. 

I paid my rent each month {$950.00} plus late payment fee.. 

Under Minnesota law, I am entitled to a receipt for each rental payment. I was not given any receipts and so with the deposit I made when I signed the lease. 

Universal Citation : CA Civ Pro Code 2075 ( 2016 ) Whoever pays money, or delivers an instrument or property, is entitled to a receipt therefore from the person to whom the payment or delivery is made, and may demand a proper signature to such receipt as a condition of the payment or delivery. 

I also need my rental receipt for my tax for this year. 

Further, I asked a proper signature to such receipt as a condition of the payment. As such, I request that they provide me with a signed receipt. 

As I am applying for XXXX Housing in XXXX XXXX, Minnesota, I was denied housing because of the Eviction they filed and was reported in my credit and personal file. This cause me great emotional distress. 

Tenant screening reports has been provided to me by XXXX XXXX XXXX  XXXX XXXX, Minnesota. 

I ask for your assistance to provide to me a written notice that there was never an eviction that took place, no SHERIFF OR WARRANT FOR EVICTION HAS TAKEN PLACE and the lease/contract has been fully paid in full. 

XXXX XXXX XXXX XXXX reported an eviction and I gets turned down for a rental application, and I believe I have been damaged and this is a serious offense. And I want REMEDY for every cause there is an effect. 

Accordingly the company misreported an eviction as I am not evicted and we did not breach the lease. There was no WARRANT FOR US FROM THE COURT AND NEVER RECEIVED ANY NOTICE FROM THE SHERIFF TO REMOVE US FROM OUR APARTMENT. I HAVE BEEN HARMED, DAMAGE AND CAUSE EMOTIONAL DISTRESS AND I WANT REMEDY.. 

Please help me get documentation that the contract and the lease has been paid in full and there is no outstanding obligation on my part from the Apartment Manager and that XXXX XXXXXXXX XXXX must invalidate and delete the file in my public records. 

The tenant screening companies are also subject to similar reporting rules under the Fair Credit Reporting Act. 

Anyone who falsely reported and damage my person, I will pursue legal action against the company for incorrectly reporting negative information that can affect loans and rental applications against my legal entity, XXXX XXXX XXXX, DBA.

A copy of the Court Judgement is hereby attached and the checks constitute delivery of the final judgement in court. There was no eviction and there was no warrant from the court and the sheriff. 


As such, I request that you provide me with a signed receipt upon receiving my letter. And I want a receipts of all the payment I made and with proper signature today. 

Thank you for your attention to this matter.
Experian continues to report on my credit file that I have lived in Oklahoma. I have never lived in that XXXX state!
On XXXX XXXX, 2016 I cancelled XXXX XXXX homeowner 's insurance and contracted with XXXX XXXX for homeowners as it was much cheaper. On XXXX XXXX the XXXX policy went into Effect. Ditech my mortgage company paid {$740.00} to XXXX XXXX without a policy being in effect on XXXX XXXX and XXXX XXXX cashed the check knowing it was cancelled. Then Ditch paid XXXX {$500.00} shorting my escrow account. So they paid XXXX homeowners insurances. I told them not to pay XXXX XXXX verbally and they paid them anyway knowing I had XXXX insurance. I have been in contact with the NC Dept of Insurance, The NC Banking Commission, The XXXX and with XXXX XXXX at XXXX XXXX XXXX on your side. I have filed complaints with all of these agencies. I have placed a phone call to XXXX XXXX, XXXX of Ditech Financial, LLC with no return call back. They have charged late fees, threatened to ruin my credit, said I owe them {$1100.00}. My payment was {$570.00} and is paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But they have stolen my money and have taken it from my payments and charged exorbitant interest rates, hardly put anything on the principal and they sent me a check for {$520.00} which is in error and I have not cashed this check. These people are total XXXX. This is simple math, their error. All I did was change insurance companies and they have totally mishandled my account and have not rectified it yet. I want them to be prosecuted to the fullest extent of the law and put out of business as they are not competent to handle money. I have talked with their customer reps and supervisors to no avail thus I have filed numerous complaints hoping someone can resolve this for me. The laws need to be changed because Ditech should not have been able to pay XXXX homeowners policies when I had cancelled XXXX. Please help me. I am XXXX and have this mortgage and they are causing me so much XXXX and I have a XXXX XXXX. Please get these XXXX to fix my account.
I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
In XXXX 2016 I called my mortgage servicer to arrange for a payment after my grace period but before my thirty days. This is the first time I was not able to make my payment on the due date in the life of my loan. We arranged for a payment on the XXXX which I made online. They acknowledged the payment and so I moved on thinking it was taken care of. On XXXX XXXX I received an email stating my payment had not been received due to insufficient funds. When I went back to see what had happened I discovered the online transfer from my credit union to Wells Fargo had pulled from savings instead of checking which was were the funds were. I was able to make XXXX payments in XXXX but am now struggling to get out from behind the eight ball each month. I had also had been approved for a refinance with XXXX which will clear all my debt and make it possible to stay current with my mortgage from here on. However, the inadvertent late payment was reported to the credit bureaus and resulted in my refinance being cancelled. XXXX stated they would reinstate the loan file if I could get Wells Fargo to provide a letter stating they would reverse the report to the credit bureaus. I followed the steps which Wells Fargo gave me to write in to request a reversal of the late payment report and faxed all of my documentation to them on the XXXX. I spoke with their review department today ( XXXX ) and they confirmed they had received the documentation and would have answer back to me next week. However, I was told that unless they found that an error had been made by Wells Fargo it would likely be denied. 
The ripple effect of that decision would result in me having to sell my home to save further damage to my credit with no guarantees I will be able to qualify for a loan to get into a new home. 
I am writing to see if there is n't a rule, policy, or precedent which would allow Wells Fargo to reverse the report for late payment and keep this from cascading further. 
Thank you ...
The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.
my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.