WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to get a copy of my mortgage but no response. Following are emails sent to and from Mr. Cooper ( formerly Nationstar Mortgage ). 

LOAN NUMBER XXXX Why did my payment increase? The interest rate did not change. If it did why? Where in my mortgage agreement does it indicate you can change my rate and what is the rate change based on. I what detailed answers. XXXX XXXX XXXX Mr. Cooper 's response : Subject : Re :  Other ( Not Listed ) [ # XXXX ] From : XXXXXXXXXXXX Received : MonXX/XX/XXXX XXXX Thank you for contacting Nationstar Mortgage. 

We apologize for the less than satisfactory customer service experience you received and would love the opportunity to examine your issue further to find a satisfactory resolution. We have forwarded your inquiry to our Customer Relations Group and a letter of acknowledgement will be sent to you from your assigned Customer Relations Specialist within 5 business days. 

We understand that a mortgage is one of life 's most important investments, so taking care of your issue is our number one priority. 

The Customer Relations Group hours of operation are Monday through Friday, XXXX XXXX to XXXX XXXX Central Time and can be reached at ( XXXX ) XXXX. 


Should you have any additional questions regarding your account or to view details about your loan summary and recent account activity, visit us online at www.MyNationstar.com. You will have immediate access to : Frequently asked questions, A full payment history, Escrow information. 
Automatic payment enrollment Mortgage Loan, Escrow Account Disclosure, and Tax and Interest Statements As a valued borrower, your satisfaction is our top priority. If we can be of further assistance, you can contact us directly by clicking on the mail icon in the top left of your Nationstar Mortgage online account or you can call our Customer Service Department at XXXX. 

Sincerely, Research and Response Department Nationstar Mortgage LLC
Between XX/XX/XXXX-XX/XX/2016, I have received no less than 6 letters ( see attached as example ) supposedly from Citibank , N.A . ( XXXX XXXX, SD ) saying " Thank you for your interest in obtaining an account with us. We are unable to process your request at this time because we could not verify the accuracy of the credit information on your application. In order of us to continue processing your application, please call us at XXXX... '' The issues I have with this letter are : 1 ) There is no mention in the letter about WHAT specifically the application I " supposedly submitted '' was for ( credit card, debit card, checking account? ) 2 ) I have NEVER submitted any application to Citibank for ANYTHING 3 ) When I call the number, I 'm prompted immediately to input my entire Social Security number ( which I will NOT do ) before I can even speak to anyone " live '' 4 ) When I did finally manage to find a live person to speak to about this after nearly an hour of digging around on the internet for a phone number, I was told by a CSR that Citibank could not provide me with any details about the nature of my " supposed '' application because that information was confidential - DESPITE that it was " supposedly '' MY credit information!!! 

This is absolutely ridiculous and a time drain. I monitor my credit history very carefully and I should be able to know if someone is attempting to open an account in my name, without my authorization. If this is nothing more than a marketing ploy to get me to contact Citibank so a CSR can convince me to open an account with them, I want the letters stopped IMMEDIATELY as I have neither the time nor patience to mess with this.
I have informed Transunion that the Alabama XXXX XXXX Account do not belong to me. I have had a difficult time trying to get Transunion to remove this inaccurate or fraud item from my credit file. Please assist me in getting this account removed from my credit file.
A complaint was submitted on XXXX/XXXX/2015 ( XXXX/case # XXXX ) regarding Arnold Scott Harris , P. C. I received a collection letter dated XXXX XXXX, 2015 Notice # XXXX Account # XXXX Installment Payment {$24.00} Payment Plan Balance {$300.00}. This issue was suppose to have been resolved in XXXX approximately 4 months ago, and yet I received another collection notice which is n't for me. The individual is XXXX whom I do not know. I 'm certain in a 4 month period Arnold Scott Harris, Attorneys at Law could utilize better methods of locating the correct individual if need be. This issue was extremely stressful to me 4 months ago, which apparently was all for nothing and time consuming but I still have to do my part to inform this office since I 'd done so prior.
I was scammed into buying what I thought was a one-year contract for XXXX. After one year my bill went from {$30.00} to XXXX. I told them unless they could put me on a cheaper plan I would have to cancel my service. They did not object, or give me any options, so I called XXXX XXXX and got a lower cost plan from them. I called XXXX and told them I wanted to cancel my service. Then I was told that I could not cancel without a fee to cover my TWO-YEAR contract. When I told them I did not have a two-year contract, they told me I did have one and that I could have gotten a cheaper plan with them.. But it was too late as I had already agreed to a plan from XXXX XXXX. 

Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice, that you dispute the validity of this debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay, and need help.
Under the Deceptive Trade Practices Act, Scottrade Inc. was found liable for misrepresentation of material facts that resulted in losses to individual investors such as myself and many others. Scottrade 's negligence and omission of material information pertaining to the sale of known harmful securities to the public is not only highly unethical but bordering criminal activity due to its commission structure that encourages such activities to occur at the great expense of hard-working ordinary investors who have saved up all their life only to lose it all to somebody who took advantage of the system. 

Scottrade needs to be sued and ordered to pay compensatory damages to victims as well as punitive fines for violations of securities regulations. Otherwise, more ordinary individual investors and naive investors will lose their hard-earned money to Scottrade 's deceptive practices, material omissions, misrepresentations, and negligence.
I am a California based XXXX. My original loan servicer was XXXX, which sold to XXXX XXXX, and is now serviced by Navient. My problems began with XXXX XXXX. Every time I apply for a program to help me with my loans, XXXX XXXX and now Navient have consistently dragged their feet, lost my documents, and failed to respond to my pleas to follow through with requests for information and documents. 
When I started my XXXX, I was accepted to the California XXXX called XXXX. For each year of service XXXX, I applied for and a check was sent to my loan servicer to pay for a portion of my student loans. Each year the California XXXX XXXX XXXX needed XXXX XXXX or Navient to send them a loan verification form. I faxed the form, I emailed the form, and even mailed the form, and it was consistently lost and not returned. Only by requesting a fax over and over ( usually XXXX5 times ) would I actually receive any documents. 
I am now applying for XXXX XXXX XXXX through the federal program designed to help XXXX and Navient failed to forward me correspondence from my guarantor. They have admitted in multiple conversations over the phone today, XXXX XXXX, 2016, that they were negligent. I have requested for them to fax this to me, and have not received anything. I estimate that this mistake on their part has added XXXX8 weeks to my XXXX application, and the interest on my loans has been adding up. I believe that the interest accrued to my account from the day Navient failed to forward me the letter from my guarantor, to the day I receive that letter should be credited to my account. 
If you are a loan holder and are reading this, please know that Navient will do nothing that you ask unless you call, and write them, and complain to the consumer financial protection bureau.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXCredit Bureaus ( ExperianXXXX ) To whom it may concern : I sent a certify letter back in XX/XX/XXXX requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file. <P/>XXXX XXXX ( Signature Loan ) XXXX Verification of 13 late payment on : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( Auto Loan ) XXXX Verification of 19 late payment on : XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late  payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, Thank you XXXX XXXX
I enrolled in Capital Ones so called secured credit card and the system denied me and sent some link to view a letter as to " why ''. The link is broken and does not work, they also did a hard pull on my credit report and I received no benefit from it.
Coinbase fraud. How are they still getting money from people? I am one of many ( according to on-line sources ). To not receive funds. What are the options?
I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.
Repeated robo calls at different times of the day and from different phone numbers. XXXX XXXX is what pulls up on phone ID. We have no dealings with this company and it will not stop. Madding ... .First calls start every morning at XXXX. I have blocked on XXXX and on XXXX. Phone rings once and stops.
I open a checking/saving with a {$500.00} promo back in XX/XX/2018. Get {$300.00} for a direct deposit and {$200.00} for depositing {$15000.00} new money for 90 days. During the process the banker told me the {$15000.00} new money can be deposit into any account. Now 4 months later they are denying me the {$200.00} saying it needed to be deposit into saving. I could have easily transfer the {$15000.00} into my saving with 2 clicks. I lost 3 months of investing the {$15000.00} elsewhere and all they told me was sorry for the misunderstanding.
I checked my credit report and I noticed that there was collection account on my credit report. It is fraudulent and I do not know where it comes from. I contacted the company several times asking for accurate validation to no avail. I need to see signatures I told them and where this account originated from and still nothing yet. I will be contacting the consumer attorney if this issue is not resolved ASAP. Attached is my affidavit of identity theft paperwork that is notarized as well. Credit Management LP has stolen my personal information and placed a collection on my account. According to the FCRA, this item must be removed from all three credit bureaus when resulting from identity theft.
I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.
I was called by a debt collector who did not identify who he worked for. I told the debt collector that the only income I have is my XXXX. I have XXXX XXXX and have been XXXX since 2008. 
Long story short ... the representative at XXXX XXXX and associates told me the law had changed and he could sue me for XXXX plus ( that is XXXX my balance ) because now creditors can take 15 % of my XXXX income and I had better look up the new laws cause they had changed and now they were coming for me. 
I called back to find the name and mailing address of the company calling me and I was transferred to another representative named XXXX XXXX. I informed her of the tactics her associate was using. I also informed her that there had been no such law changes ... she said I was right. She then started with this magical amendment I apparently signed so they could come after me anyway. This does not exist either. My concern is that if they are doing this to me they are using these tactics on others. 
I will also be requesting debt verification because all their info is wrong ... that account was involved in a chapter XXXX bankruptcy
I have been receiving mail from CapitalOne addressed to me, and to another individual I do not know, and has never lived at my address. I am a credit card customer with CapitalOne. 
I originally contacted CapitalOne on XXXX/XXXX/15 regarding this issue. They took information from me, including numbers off the mailing. They also had me put the letter back in the mail as return to sender attn fraud dept. 
I was told they would investigate and get back to me. I have yet to hear from them. 
On XXXX/XXXX/15, I received another letter from CapitalOne - addressed to me and the same person I do not know again. I contacted CapitalOne again, and was bounced from department to department, and hung up on/disconnected twice. I also attempted to resolve the issue through there online chat, where I was told to call again. 
I attempted calling the fraud department directly, which answered very promptly, but was told they could not help me and transferred me to another dead call. 
I attempted to contact CapitalOne multiple additional times. Each time, a message stated they were experiencing long wait times. After several hours of trying to get a human on the line that could actually explain what was going on, I gave up for the day. 
I do n't know if this is fraud related, but somehow CapitalOne has my name and address associated with another individual. This does not seem like something that should be occurring.
I have tried multiple times to dispute the XXXX XXXX XXXX account on my credt report. I have asked during every single investigation for proof that it is in fact my account. I need my signature showing it is mine on anything. I have XXXX & was going through multiple XXXX XXXX at the time the company says it was open and being used. I could not have. I had a XXXX. They have yet to produce any significant proof of signatures. I would gladly pay if it were mine. It is not mine.
I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15
Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
I received a phone call this morning from a " XXXX XXXX '' with XXXX about a debt I supposedly have with EZ Money. When he called and tried to verify who I was, they had the wrong SSN, employment information, and flat out refused to verify the validity of the debt stating that it was not his concern or responsibility. He also refused to give me any contact information other than his name and company he was with. The only information he provided was an estimated date of when the loan was taken out and who it was with. When speaking to him, he threatened criminal charges and possibly jail.When trying to verify the debt, he became very agitated and loud- he began yelling at me. I advised him to serve me and cease all phone communication with me or any of my references they XXXX have contact information for. Shortly after, he called my mom and would only provide a phone number.
Bank of America Corp. entered a settlement agreement in XX/XX/XXXX, with the DOJ and six other states ; which included {$7.00} Billion set aside specifically for " consumer relief '' for homeowners who had been previously denied loan mods but still needed some relief such as principle reduction, reduced payments etc. XXXX Relief funds are for eligible consumers to include currently-serviced BofA home loan consumers AND ALSO former customers whose loans " were previously serviced by BofA '' but even if our loans " were no longer serviced by BofA, '' as of the Settlement date of XX/XX/XXXX. Unfortunately, as a " formerly-serviced home loan '' consumer ( XX/XX/XXXX ) I have been effectively turned away by BofA from accessing any type of application process for this consumer relief fund. Furthermore my loan was a " table-funded '' by a Countrywide name-only entity, and then serviced by XXXX which in XX/XX/XXXX was a wholly owned subsidiary of BofA, and then subsequently serviced by BofA subsidiary and former Countrywide servicing company " BAC Home Loan Servicing LP '' and then by " Bank of America , N.A . '' These BofA entities denied four loan modifications against me, despite proof of ability to pay. I have been forced into litigation to save our only home and dwelling. Now I wish to enter some modified loan / workout with current servicer XXXX, but ONLY with the additional consumer relief due from the XX/XX/XXXX settlement, i.e. 50 % principle reduction etc. as other consumers had enjoyed. 

I dispute the total amount XXXX says I owe ..due to discrepancies on escrow payments I made which they claim, and for sudden hike in interest rate even years after the non-performing loan was transferred to XXXX, and more. 
To date : it appears that though 97 % of the funds have been awarded, certainly some funds remain and the deadline for disbursement is not until XX/XX/XXXX. 

BofA acknowledges my former account / loan number and verified my seven years that BofA or one of its subsidiaries did service my loan before transferring servicing rights to XXXX ; but recently and repeatedly, several supervisory-level employees at BofA have no process for me to apply for consumer other than to refer me to the independent third-party Office of the Monitor of the XX/XX/XXXX Settlement. BofA told me that they ( or their 3rd-party contractor ) " mailed out letters to eligible consumers '' to apply for relief under the Settlement ... ' and therefore since I did n't get a letter after being service-transferred out, that perhaps my account " fell through the cracks '' while I was no longer serviced by BofA. I am asking the CFPB to help correct this, because the Monitor 's office feels it has already complied with the eligible consumers who did receive letters. I have formally asked the Monitor 's office and XXXX XXXX XXXX, XXXX Can the CFPB help monitor the Monitor and BofA for compliance of this XX/XX/XXXX DOJ settlement ?