WillisBack/dataset-financial-user-claim huggingface dataset:
Be advised that Nationstar 's response, is factually incorrect, to my CFPB complaint # XXXX. " Please be advised the customer is represented by counsel. The response will be sent directly to their office. '' Unfortunately, all mail sent to my former counsel is returned back to Nationstar which means I may never have an opportunity to review their reply to my complaint. 

I want to point out that the counsel they are referring to has not represented me since at least XX/XX/2017 as identified within the complaint as Exhibit C in which my then attorney notified both Nationstar and the trustee XXXX XXXX  that he no longer represents me and that all future mailings need to be addressed to me directly. Thereby Nationstar have failed to update there records. 

Nationstar have been Noticed on several occasions to the fact that I am to be included in ALL correspondence, Nationstar fail to comply in this matter and further Nationstar have been additionally noticed that my attorney no longer represents me, on more than one occasion. If Nationstar had been diligent in actually reading the complaint in its entirety then Nationstar would have been made abundantly clear to this fact as it is outlined within the complaint. Apparently, Nationstar are of the mindset to simply ignore legitimate complaints, as is seen in this instance. Clearly they have no respect nor honor in their dealings with their " customers '' as this portrays a systemic lack of good faith and is absolutely worrisome to me the homeowner. As Nationstar know full well, by complicating this matter, to the extent that the foreclosure sale is actually completed, having the sale reversed or undone, is extremely complex and burdensome to homeowner, this being a tactic not uncommonly used to crush homeowners by giant billion dollar corporations such as Nationstar. If this is not Nationstar 's modus operandi, then Nationstar would have observed within the complaint that I need to be responded to directly and the former attorney of record be removed from correspondence. Perhaps Nationstar feel it is advantageous to play these games in essence the response shell game to there benefit as the complaint clearly outlines how Nationstar have yet again violated Washington State law and the ruse Nationstar uses to complicate this matter, by failing to respond in any way effectively to the homeowner. 

This is precisely a pattern of willful and deliberate indifference from Nationstar and should be noted for the record. Moreover, how can Nationstar work with me when they won't even send me mail ... any mail whatsoever? 

Sincerely, XXXX XXXX
I am receiving multiple phone calls every day from this company. They never leave a message, but continually call from multiple different phone numbers. 
This company has also called my relatives acting as a court service and left detailed messages on my relatives ' voicemails.
I have an IRA  Annuity  statement from   XXXX  , with Union Bank in  XXXX   XXXX  CA. The statement gives  Union  Bank Fe d Tax  ID #  XXXX . It is a  Fixed Rate IR A wit h Maturity Date   XXXX . Earliest distribution date without penalty is  XXXX . The required disbursement date is  XXXX .     The beginning balance from  XXXX  was {$2900.00}. The ending balance as of  XXXX  was {$2900.00}. No withholdings are showing.     Approxima tely two wee ks ago from today, around  XXXX , I called their customer service and spoke with the IRA department. They had no information and told me to call back to their  Investments Group  at #  XXXX . Th e Investments Group to ld me to back to the IRA department.     So I called back the IRA department at the same number ( different extension ), and they asked me to call FDIC at  XXXX . FDIC told me to call t he Office of the  Comptroller of the Currency at  XXXX .     Th e OCC the n told me to call you, CFPB, at  XXXX . This is why I am writing to you now.
XXXX XXXX XXXX XXXX XXXX I did not sign nor agree to no loan transfer or sign any agreement or terms that or to XXXX XXXX XXXX XXXX XXXX agreeing to new terms. XXXX XXXX XXXX XXXX is the originator of the loan. XXXX XXXX  XXXX needs to provide me documents of loan change and redone sign agreeing to terms agreeing to a loan transfer in my name. 

XXXX needs to provide me documents there the originator of this loan. According to the documents I sign XXXX XXXX XXXX Conduent Documents that was provided to me is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the documents provided to me there is no ( XXXX ) on none of the documents I sign for the loan or the orgination/Originator of the loan. There is no ( XXXX ) no where on none of the documents I sign nor is any information they reported on my credit file with Experian legal to do there is no sign legal binding contract or loan with them. 
Experian has no documents that they sent me back on the uploaded documents showing this company ( XXXX ) as any original owner of the loan nor has Experian showed me any documents that I agreed to a transfer by XXXX XXXX XXXX XXXX. 
As on the Documents XXXX XXXX XXXXXXXX XXXX XXXX is not listed as the original owner of the loan as well as the documents supplied by them and sent back to me from Experian. 
I need proof from XXXX XXXX XXXX XXXX to how they are the original legal owner of this loan in to which there no where on none of these documents sent to me. 
As shown Conduent is shown on the document Experian needs to provide proof from ( XXXX ) that there the original loan not as a servicing company in which I never agreed nor sign any documents of any legal biding transfer of this account with no consent by me legally binding Further more this looks like fraud by XXXX XXXX XXXX XXXX ( XXXX ) as to no legal documentation just some transfer with out merit or legally binding.

If documents cant not be furnished to this matter I 'm going to pursue legal action on XXXX XXXX XXXX XXXX as well as ( XXXX ) to why there was no legal paper work sign or legally binding contract and why XXXX XXXX XXXX XXXX is no where on any of the documents as well as ( XXXX ) This look like a paper game with no real owner or legally binding as to the manes listed XXXX XXXX XXXX XXXX. 
XXXX is no where on any documents what so ever Documents uploaded as proof there is no XXXX XXXX XXXX XXXX no where on any documents nor ( XXXX ) so where is the legally binding agreement with ( XXXX )
Automatically charged the Auto Rental insurance with the new AMEX credit card. 
I did not explicitly asked for auto rental insurance for the new card and already got insurance via the rental agency.
I have recently been informed that there is negative information reported by Equifax, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX XXXX XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Equifax did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Re  :    XXXX   XXXX   XXXX   XXXX    Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Southwest Credit in XXXX Texas has my XXXX account. They are saying I owe XXXX for unreturned equipment and past due bills. The billing dates they have are incorrect. My service was already disconnected and XXXX is trying to charge me for months of service due to them billing months in advance. They are also billing me for unreturned equipment in which I returned ALL my equipment to their rep who came to my home. I even signed my name on his phone and he was picking up all the equipment. The date of service on the bill Southwest sent is XX/XX/XXXX-XX/XX/XXXX but I had XXXX XXXX at the end of XX/XX/XXXX. It is under my husbands name XXXX XXXX for our same address XXXX XXXX XXXX XXXX, XXXX TX XXXX. Call XXXX and verify please. I sent a long detailed debt validation letter to Southwest credit on XX/XX/XXXX and only received one thing out of 18 things I asked them to verify. They sent me a billing statement from XXXX  with the incorrect payment amount. I have called Southwest many times and they are extremely rude and will not even try to listen to me. I need this to be looked into and researched asap. I do not want this to hit my credit in any way. especially with wrong information.
I went to University XXXX XXXX for the first two years of my XXXX and XXXX College for the last two years of my XXXX. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high.
They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong
I received a letter ( attached ) datedXX/XX/XXXXfrom Capital One Credit card company informing me that my credit card was closed on XX/XX/XXXX. On Monday XX/XX/XXXX I called the customer service phone number to inquire about this account because I never applied or received a credit card from Capital One. The customer service representative was able to locate the account but would not give me any information and denied my request to speak to a supervisor. He said that he can not tell me any information unless I provide him with my SSN while I felt uncomfortable to provide this information over the phone specially with a possibility of fraud.
SunTrust bank refuses to reimburse me for fees they took from my Signature Advantage checking account which is supposed to be free. I have talked with XXXX branch managers, XXXX XXXX and XXXX XXXX several time during the past six months since I discovered in XX/XX/XXXX that SunTrust was mistakenly charging fees from my account. Both branch managers said that the fees were charged in error, that they would make sure that the erroneous fees would be refunded to my account, and that they would follow up with me ; neither of which has happened. XXXX, XXXX, the current branch manager at the XXXX XXXX XXXX XXXX Location ( XXXX ) told me that Suntrust frequently mistakenly takes fees from free checking accounts, and that she has known about the problem for years. 

I 'm unable to determine the amount of money that Suntrust has erroneously taken from my checking account because their website only displays my account record since XX/XX/XXXX. As far as I can tell Suntrust has taken at least {$200.00} from my account, but it may be more.
MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY XXXX AND TRANSUNION NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. XXXX AND TRANSUNION HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
I received an alert email from XXXX  XXXX advising me that there was a change to my XXXX credit report and a credit inquiry was sent by XXXX XXXX XXXX XXXX XXXX done on XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX XXXX  and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call XXXX. I called XXXX and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.
I called this creditor in attempt to come to a settlement for this debt and they said they have no records of me ever having an account with them. They looked up the debt owed under my name, my address, social security number, and birthday and found no record of the account belonging to me. I was told by the agent to dispute so it could be taken off of my credit report which I did but the debt is still on my account. The debt owed does not belong to me.
I really need your help. There are some things reporting on my Experian report that is contradicting and I have asked several times for calcification and still the contradictions are there. I hope your company can help me with this. Experian reports an XXXX - XXXX only as XXXX XX/XX/XXXX but nothing prior to that. Another XXXX XXXX with a XXXX XX/XX/XXXX no previous payment history either.There is a XXXX account-XXXX.. shows charged off {$5600.00} but the past due balance is {$4100.00} how can one be higher than the other? There are 4 XXXX XXXX XXXX Three of the accounts XXXX, XXXX and XXXX are showing the same payment history exactly but one of the accounts states it 's due to continue reporting until XX/XX/XXXX and the other states XX/XX/XXXX and the other states XX/XX/XXXX if the payment history is exactly the same why would n't they state the same dates? The last 5th in question XXXX shows As of XX/XX/XXXX it was Foreclosed XX/XX/XXXX but no payment history before that. With so many different contradictions how can they have really researched them?
Wells Fargo never sent any information validating this debt despite my identity being stolen and after informing the company of that information. I received harassing calls for months, and no one was willing to assist with any resolution. Wells Fargo has sold this account to another lender without informing me or my permission. It is also now 7 years of this debt. North Carolina sets the statute of limitations on credit card debts for 3 years.
AMEX has a lien against my property for someone elses name. I have left multiple messages about this with their attorneys office & they will not speak to me because their client is XXXX and I am XXXX. IT is my house in my name and I need this lien removed from my property.
I contacted Experian, XXXX and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report
In XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ). 

At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.
My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   (  No contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to  XXXX  several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.
I called Trans Union in regards to the glitch that happened last summer in XX/XX/XXXXand again in the beggining of the year XX/XX/XXXX where inquiries were deleted and then re added back to my report illegally due to the fact no one notified me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics
I received a call from XXXX but it was missed while at work. I took the time to call the number back and some man named " XXXX '' answered. I asked him several times if he was a bill collector or if call was from collection agencies. His response, " Why don't you XXXX us '' and slammed the phone down. I attempted to call them back to speak to a manager, which I finally did address with XXXX XXXX XXXX-Vice President - Operations, whom did nothing to rectify his employee 's or his company 's wrongdoings. Now I've found several complaints against this company online about there collection tactics and I think that the CFPB should step in and look into this company.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX, Texas, they are are reporting a late payment for me in XX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.
I found that Wells Fargo paid my spring taxes 5 months late and in addition, paid a late fee of {$82.00} from my escrow. I have requested several times since XXXX that my mortgage account be credited money due for late fees and a mortgage analysis be completed again. I finally have received the credit ( 3 months later ) but the mortgage analysis needs to be re-calculated, as it did not include XXXX escrow payments that were made in the analysis or the credit. I have tried numerous times to have this resolved ( in person at different bank branches and over the phone with multiple representatives ) and no one at Wells Fargo returns calls or follows through with resolution. After their miscalculations, I want to know the " new '' monthly amount for my mortgage payments in 2016. This is the absolute worst customer service I 've ever experienced and need help to find out an answer. I submitted a formal complaint to the OCC but was informed this type of issue no longer falls under their jurisdiction.
I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.
Navient incorrectly reported late payments to all   XXXX  (  XXXX  ) m ajor credit bureaus  (   XXXX ,  XXXX  and  XXXX   )  although the loans were approved for forbearance. Additionally, I addressed this issue with Navient on  XXXX   XXXX ,   XXXX   via facsimile and  US  mail to no avail.
I purchased a used XXXX on ebay. I 've made hundreds of purchases and sales on ebay and most of them used PayPal. This time was no different. Except when I got my credit card statement, they had processed it as a cash advance. I incurred fees and interest. It was not a cash advance. I called PayPal to tell them of the error. The customer service person told me it was my credit card company 's fault. I called them and they said the code that PayPal used to process the transaction was why it was billed as a cash advance, something my credit card company ( XXXX ) did n't have control over. So I had to call PayPal back. After escalating through a customer service agent and his supervior in the XXXX, I finally got " XXXX '' ( employee ID XXXX ) at PayPal. He claimed PayPal had no responsibility or control over how they encoded the transaction, saying it was up to the the PayPal user to configure what type of account they had. I think this is unfair. It cost me over XXXX hours of my time to get my fees refunded by the credit card company who did it as a customer service, even though they had done nothing wrong. PayPal took no responsibility and offered no compensation to me for an error they could prevent if they controlled their user 's PayPal accounts better. They should n't allow credit cards that are used to purchase goods on Ebay to be billed or coded as cash advances. I used to trust PayPal. Not so much anymore.
XXXX mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!