WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar Mortgage , LLC had one of their own employees execute an assignment of mortgage on XX/XX/2016 under the false pretense of being an employee of XXXX. Nationstar Mortgage , LLC employee XXXX executed a " Corporate Assignment of Mortgage '' and claims to be the " assistant secretary '' of XXXX XXXX is NOT an employee of XXXX and DOES NOT have the authority to execute a Corporate assignment of mortgage where XXXX is the assignor and Nationstar Mortgage , LLC is the assignee. There is NO corporate seal on this assignment and there is no President, Vice President or executive chief signature. There is no witness signature. Both XXXX and the notary XXXX have comitted fraud by the execution of this assignment of mortgage.
The company was unable to give me a solution to problem, and have taking out {$1000.00} for a loan which I ask them, on XXXX I call and ask chase auto loan what is their solution to my car that had been hit, and left me out of work for 3 months now, and I'm still recovering form the accident, and they refused to find me an alternative instead they leave me n hold for a long period of time, and I call many time after that, and they refused to give me an alternative. they reason I want an solution cause my income have been depleted because of them taking money out, and I'm very behind in some of bill. the chase customer service are nasty and hand up on me. all I want is fair solution because i'm only receiving worker compensation, and they only want to raised the price on me
I have two Fidelity credit cards. Fidelity changed processors and their autopay service was stopped. Numerous times I signed up for autopay and it was unsuccessful without my knowledge. Fidelity signed up one credit card on autopay and the other did not go through. As a result they marked one payment as late on my credit report. They reversed all fees after I called and instructed me to write a letter to a separate department to notify the credit bureaus there was an error and the manager told me in 30 days the late record would be removed from my credit. I called this department 3 times holding for 40-55 minutes before the call would be disconnected. I latter received a response from Fidelity that they refuse to remove the late payment from my credit reports. 

I have always paid my credit cards monthly off in full. Fidelity made the processing error and need to remove the late payment record. Evidence of this is they refunded all late fees and admitted this to me on the phone.
Equifax has my name spelled wrong on their credit reports, everything else is correct but my name is XXXX.
Synchrony Bank Bank calls repeatedly daily 7 days a week. 
I have verbally asked them not to contact me via my phone number, nor any other phone number listed, and to not email me as well. 
Today I also sent an email reply to an email they sent to me and asked again. 

Last 3 days of calls from them are as listed : Saturday XX/XX/XXXX called from XXXX XXXX a.m. 
XXXX a.m. 
XXXX p.m. 
XXXX p.m. 
Sunday XX/XX/XXXXXXXX a.m. 
XXXX p.m. 
XXXX p.m. 
MondayXX/XX/XXXX XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX pm., XXXX p.m. 
In XX/XX/XXXX, I asked them to stop calling me, and emailing me. I have a baby and a full time employer that get very upset when my phone is being called. My employer has given me a verbal warning, and now I have to leave my phone in the car. Even though the [ hone only vibrates at work, it is still distracting to the other employees.
Hello, I have transferred some funds to COINBASE AND XXXX to purchase Bitcoins and Ethereum over 5 weeks ago.

Due to some computer XXXX  ( according to COINBASE ) my account was flagged and as a result My account was frozen with all my Coins in the account.

I have contacted them NUMEROUS Times Via E-mail and Phone calls and all I'm getting is that a specialist will be in touch with me to resolve my issues and unfreeze my account.

I have been patiently waiting for them to address my issue, but so far I have not been able to get a hold of anybody that can resolve this situation.

Meanwhile, I have missed several opportunities to make profitable investments, and also I can not withdraw my coins or Money to transfer to a different exchange.

Please help me resolve this issue as ( being a Single mom with single income ) I can not afford to have money stock in a frozen account for absolutely no Legit reason.

Thank you so much XXXX XXXX
I took out a credit card from Capital One several years ago after experiencing a XXXX illness which left me XXXX XXXX. My current interest rate under this credit card is 25.90 %. While I understand that my credit rating is not stellar, I always pay much more than the minimum balance each month to Capital One. I also have a car loan through Capital One which also has a much higher annual percentage interest rate. I realized after the XXXX illness that I would need to rebuild my credit after my inability to pay for my monthly medications under XXXX. XXXX has a {$3700.00} out of pocket expense on Tier One medications. 
Once I reach the {$3700.00} out of pocket expense, I go into the Medication Coverage Gap which means I then have to pay ANOTHER {$4700.00} out of pocket for medications. As I am a XXXX XXXX XXXX, I require about a dozen different medications. When I am in the XXXX Coverage Gap,  XXXX raises their out of pocket expense on XXXX and other life saving medications. I pay the highest premium under the XXXX Part D program for medications through XXXX. 
I was informed this past year by a XXXX representative that it did not matter HOW MUCH I PAY for the XXXX Part D premium, EVERYONE under XXXX, ( one of only 3 XXXX Advantage Plans in XXXX Wisconsin where I live ) pays the out of pocket XXXX Coverage Gap of {$4700.00} out of pocket expense for life saving medications. I would like the CFPB to investigate both Capital One on both my credit card and auto loan interest rates as well as XXXX and what I feel is XXXX fraud under the XXXX Part D program. In addition to the XXXX Part D program for medications, I also pay an annual premium for XXXX Part D of approximately {$130.00} per month PLUS 20 % of any / all XXXX Part B services. Again, XXXX does not pay the full 20 %, thus MORE OUT OF POCKET EXPENSES!!! With a limited fixed income, there is no possible way for me to pay for the high interest rates under Capital One for a credit card and an automobile loan in order to have a reliable mode of transportation in XXXX Wisconsin which has VERY FEW options for medical or non-medical transportation. Thus, the need for one credit card and one reliable vehicle paid for at 25.9 % apr/interest rate. I feel as a XXXX person, I am being discriminated against by both Capital One and XXXX, XXXX Advantage Plan. PLEASE HELP ME!!!!!
I believe I am a victim of predatory lending. Around XX/XX/XXXX I made a purchase on a vehicle, a XXXX XXXX XXXX  from a car dealership in downtown XXXX area called XXXX XXXX XXXX ( May not be exact name ). The salesmen was able to get me a loan through a company called Lobel Financial at a desirable rate.I test drove the vehicle and everything seemed to be fine, until I took it home. This was the beginning of the end. I started experiencing problems with the vehicle within the first two weeks I had it. The transmission was " slipping '' in between 3rd and 4th gear, It was overheating and there was something going on with the engine. After getting stuck on the side of the road a few times, I returned to the dealership to try and get help with the problem to no avail. I ultimately had a mechanic look at it and he told me that the vehicle " would never run again ''. He explained that a new engine was needed in addition to my already existing transmission problem. I had already changed the thermostat, oil, and replaced the battery. I am a XXXX XXXX and I could barely even afford to do any of those things. At this point I was upset. I even contacted the finance company and received nothing but nasty language in return. At the end of the day Lobel Financial just wanted their money. If they 've kept they 're logs and stayed true, these problems should be documented on my account. It is my belief that I was sold a lemon purposely. There was a lot of pressure from the salesmen to " buy '' this vehicle because tomorrow could yield different results ( as far as monthly payments ). Now I have this on my credit report and would like it to be removed. This is unfair and unlawful. I have successfully obtained a lien against the car dealership. Now I would like to seek out a solution from the finance company which is removing this off my credit report. This is hurting my credit and stopping me from future purchases..
I am XXXX XXXX ( Power of Attorney for my Grandmother, XXXX XXXX ). 
Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX, United States of America. 
I had to take over my XXXX Grandmother 's finances because she has not been competent to handle these affairs herself for some time now. I spoke with customer service approximately 6 weeks ago to find out why she was getting billed every month and getting fees and late fees for a card she knows nothing about. The customer service rep ( CSR ) looked back 7 years into the account ending in # XXXX and could not find where a charge had ever been made. The CSR said that he was submitting the issue for investigation and I would receive a response in writing. The response never came, but another bill did. I called customer service again on XXXX/XXXX/15 and spoke with a CSR. After verifying my identity and the information showing me to be the Power of Attorney, he forwarded me to another CSR. The CSR refused to talked to my unless I gave him my social security number. I stated that my SS # is not on the Power of Attorney documents they have on file and would serve no purpose. The CSR ( stated his name was XXXX XXXX ) refused to talk to me at XXXX EST. 
I truly believe this to be a case of a credit company taking advantage of an XXXX XXXXyr old woman. My grandmother had been paying this account for several years with absolutely no idea what it was.
I have been fighting in court now for 8 months over major and clearly illegal discrepencies in my home mortgage. The Lenders involved are XXXX and Caliber home loans, while some of my complaint happened while my loan was under XXXX, caliber is doing the exact same issues. I am going to attach evidence I am submitting to the courts tomorrow, I have been working with an attorney, but if I had not been under the protection of a chapter XXXX bankruptcy I surely would have lost my home. I can not believe that the CFPB has not stepped in at this point to do something about this account, undisputed evidence of inflated fees, flat illegal treatment of my original mortgage contract, theft of monies I paid to my mortgage that were intended to go to principal on my loan, illegal stay relief action taken on the part of caliber home loans, pyramided late fees in excess of XXXX dollars, fraudulent " home inspection fees '' over XXXX of them in my loan history, forcing of using XXXX to pay my mortgage, illegal reinstatement fees, and fees for batch filing have already been provided, if the CFPB would merely LOOK at the evidence I and XXXX has submitted they would undoubtedly find a huge number of violations of law. I will continue to submit complaints until something is done about BOTH calber and XXXX, not all homeowners are under the protection of a chapter XXXX, or have the tenacity to fight as long as I have. 
In my attachments you will see XXXX cleared payments through check and money order and another years worth through bank statements, NONE of these have been applied to my account, you will also see XXXX XXXX transactions three of these were not applied to my account. In the accounting that caliber and XXXX provided to the court ( attached with my notes ) you will see over XXXX instances in which an illegal action happened on my account. OVER XXXX TIMES THESE SERVICE 'S BROKE THE LAW ON MY ACCOUNT ALONE! Please do something about this. My advice to homeowners, NEVER ALLOW EITHER CALIBER HOME LOANS OR XXXX TO HOLD YOUR MORTGAGE!!!
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.
I am filing this complaint because Equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed.

Equifax Confirmation # : XXXX Please resolve this manner as soon as possible.

Thank you.
Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!
Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
My husband took out this school loan, and I was the co-signer due to his credit. I was n't thrilled with being a co-signer but I did it XX/XX/XXXX.My husband tried to resolve the monthly payment situation with Navient for XXXX XXXX , but it was not getting resolved due to some late payments by him, Navient was calling incessantly and harasssing me to pay his school loan off. I told them '' I not a bank '', an can not afford to pay this total amount. I asked to be taken off the loan as co-signer. I do n't want or need the headaches, or harrassing calls from Navient. XXXX and XXXX from Navient XX/XX/XXXX, told me If I were to pay them, {$4000.00}, I would be released as Co-Signer, of the student loan, and I would never receive any negative information on my credit report pertaining to this. XXXX and XXXX told me that the credit report would say- '' paid in full, satisfied loan requirement. XXXX Balance for Co-signer When I pull up my credit report all ( XXXX ) companies have reported it as a Charge off, Bad debt, Unpaid balance and reported as loss. I would have never ever paid them XXXX to still have this negative information reported on my report. They took my money, and did not honor their side of the agreement. If I did not pay them the XXXX dollars my report would still say the exact same thing. Navient is a big scam!! I would like to get my money back and find out who really took it. I spoke with XXXX and XXXX in XXXX 2014. Please research this. Their phone number is XXXX Also all the harrassing phone calls. 
My husband attended a XXXX School online through the XXXX.
I have defaulted on my mortgage and have tried to do short sale on the property. The bank got an appraisal on the home which appraised at {$220000.00}. An offer from a cash buyer was enetered in the amount of {$220000.00} and the bank refused it. Another offer was enetred at {$250000.00} and it was just denied on XXXX/XXXX/2017. The bank said that they will be closing my case and that they can no longer accept anymore offers and my house will be up for auction as XXXX/XXXX/2017. I am just unsure why the bank would deny an offer that is above the market value of {$30000.00} and not process the short sale. The bank is PNC and they said no other offers will be looked at. there was no explanation for the denial of the offer.
Around XXXX of XXXX I took out a {$2500.00} loan with a company online called XXXX XXXX XXXX. Their website left the impression that they were legally able to operate in the state of Hawaii and that they operated in accordance with the SCRA and MLA. All monthly payments were made. On XX/XX/XXXX I took out another loan with them for {$3000.00} at a 32.78 % interest. I combined my monthly payments for the two loans ( monthly payment : {$240.00} ) but the two accounts were still open. Fast forward to XXXX of XXXX when my last payment was made to them. I had some financial troubles as well as issues with my debit account. I do some research on lending laws and practices. I find out that the state I reside in- Hawaii- requires lenders to not only be licensed to do business in that state but also caps the interest rate at 24 %. I also find out that the MLA doesnt allow loan rollovers. I send an email to XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX questioning the legality of the loan. I receive no response back but on XX/XX/XXXX XXXX XXXX I receive a missed call from XXXX XXXX XXXX. I return the call at XXXX XXXX and Im told by Mr. XXXX, my account representative, that I have a past due balance of around {$1600.00} and that my account will be charged off if I dont make a payment by the end of the month reflecting negatively on my credit. I set up a payment with him. I then begin to question him on the legality of the loan and he responds by listing the companys credentials and that any matter pertaining to the companys legality is XXXX XXXX XXXX. I then ask for the Lending Agreement. He responds by saying I can either email the company my authorization to email the documents or check online in the Documents section of My account. I head to my account and none of the Lending Documents are there only the updated Privacy Act. I also see that my original loan of {$2500.00} has been closed without my knowledge and appeared to have been refinanced without my knowledge. I call Mr XXXX back to inquire about the lending documents. When I told him the only Documents that appeared was the Privacy Act, he responded with what more do you need then? He then proceeded to read of the loan details but made no attempt to send me the loan agreement. Only after calling him a fifth time did he give me the email contact so I could email the authorization but have no exact time frame of when Id receive a response. I am currently waiting for response as well as seeking legal advice.
I want to access my account by means of another acct however I'm being blocked. Please allow access. This is delaying the management of my financial life. So disappointed, second attempt with no response!