WillisBack/dataset-financial-user-claim huggingface dataset:
Nationstar LLC has failed to respond to my pertinent questions of them, that only Nationstar, as the servicer for XXXX XXXX 's mortgage with myself, can correctly answer in writing to me. I have been working on these Nationstar issues, since XX/XX/XXXX. 
Over the past year, I have contacted Nationstar FIFTEEN ( 15 ) more times by email since that first one noted above. I have also contacted Nationstar by telephone many, many times during the past year, all to no avail. 
This complaint is being created on Thursday, XX/XX/XXXX. 

The below is a copy of my latest email to Nationstar on XX/XX/XXXX. 
" Mon, XX/XX/XXXX at XXXX XXXX XXXX XXXX ;, XXXXXXXXXXXX XXXX and XXXX : It is outrageous that I have been on the telephone, since XXXX EST until now XXXX EST, over two and one-half hours, waiting for a customer service representative in the REO department to talk to me. 

Please have someone call me back at XXXX???.???? that can easily discuss and solve with me, my questions about these XXXX outstanding Nationstar issues : 1 ] a detailed mathematical spreadsheet showing all items that Nationstar used to calculate the XXXX that I received today, showing {>= $1,000,000} as Nationstar 's accounting of cancellation debt. 

2 ] Nationstar receiving a refund check from my flood insurance company in the amount of {$1400.00} that now shows as a credit in my escrow account, thereby requiring Nationstar to forward that same amount directly to me. 

3 ] Nationstar 's refusal to acknowledge that Nationstar has no interest in my former property at????????????????. 

4 ] Nationstar 's refusal to acknowledge that Nationstar is owed nothing by myself. 


Please kindly acknowledge your receipt of this requesting email from me. 

Thank you, from myself????? " The above is a copy of my latest email to Nationstar on XX/XX/XXXX. 

Please contact Nationstar LLC about my XXXX issues and this currently created complaint. 

I thank you for your help and look forward to hearing from you and Nationstar soon. 
Thursday XX/XX/XXXX complaint filed with CFPB Consumer Financial Protection Bureau. 
END
Received home loan statement/bill ( due XXXX ) - {$330.00} higher than expected. Called mortgage company ( Roundpoint/Embrace Home Loans ) : advised that {$4000.00} was removed from escrow acct ( now in the red ) for " supplemental tax '' and that my monthly payment will be {$330.00} higher until paid back. Mortgage company unable to tell me ( with proof ) what this tax is for. Have received XXXX different answers : Call # 1 : Due in advance for impending prop tax raise for XXXX XXXX # 2 : Tax owed to town for road work Call # 3 : Back-taxes owed on my home at purchase that " sellers refused to pay '' **Called town tax office after each call above - they confirmed ALL of the above info to be NOT VALID OR ACCURATE in any way. ** Call # 4 ( supervisor ) : Agreed with call # XXXX that it is back-taxes owed ( she appeared to be purely speculating however ) I have sent them a copy of the XXXX form proving nothing was owed on my home at time of purchase and all taxes were paid up-to-date. 
Mortgage company UNABLE to explain and prove what the " supplemental tax '' was for and why {$4000.00} was removed from my escrow account and where it went. 
Opened dispute with their tax dept on XXXX at time of providing the XXXX form. 
Have received no response.
I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XX/XX/XXXXXX/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  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX
On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or aboutXX/XX/XXXX14 I got a XXXX alert that a XXXX car loan was put on my credit report.I t was thru chase bank.I notified them that I did not sign for a car loan or ever saw a contract for car loan.Never knew of a car loan, until after contract was signed.Chase bank fraudulently kept me on a car loan for a year and XXXX and made money on a loan I never signed for.They sent me letter stating I would be responsible for the loan if it defaulted.They have broken banking laws that protect consumers from this.The contract was a sham and fraud from the beginning.Chase bank did not verify who signed the loan document or had it notarized at all.This amounts to fraud and keeping someone on a loan who never saw it for profit.
I tried to place a security freeze with equifax via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with XXXX and they want to charge me {$100.00} to do so.
I made a money transfer from through my Citibank in the amount of {$10000.00} which was to be applied to my father 's mortgage with XXXX XXXX XXXX via XXXX XXXX XXXX. While doing the transaction online I didn't know what account number should be listed as the " Beneficiary Account '' number so I called Citibank and they told me my stepfathers loan number should be listed. The transaction was done on XX/XX/XXXX. In XX/XX/XXXX I went to pay the mortgage and realized XXXX didn't receive the money for the mortgage. Since then I've been trying to get Citibank to modify the transfer with the correct " Beneficiary Account '' number with no success. I've tried to have them recall/cancel the transaction with no success. I've called and spoke to managers and the last manager told me they've been sending federal wire messages to XXXX XXXX and they are not responding. I had my lawyer send Citibank as well as XXXX XXXX letters and still nothing. The last time I spoke with a manager at Citibank they told me if XXXX XXXX does not return the money then we will not get the money back. This is really unacceptable. My stepfather is on the verge of losing his house to foreclosure because of this and neither Citibank nor XXXX XXXX or XXXX will do anything to help. XXXX told me they can not do anything because the issue is on Citibank not on their side. XXXX XXXX told me they can't speak to me because I don't have an account with them. I need to get this money back sooner than later to save my stepfathers house. Any help would be greatly appreciated. I can be contacted at XXXX for additional details. Thanks!
During my recent credit check I have noticed a claim by a collection agency for {$1700.00} for unknown services which dropped my credit score by XXXX points. I sent a certified letter to this collection agency and the letter came back as undeliverable, and return to sender. The company in question is ARS ACCOUNT RESOLUTION or ACCOUNT RESOLUTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
Please find attached attachments regarding this correspondence.
I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Five years agoon XXXX XXXX, 2012, my wife ( a XXXX XXXX ) and I signed off on an installment plan loan with a XXXX XXXX  specialized lender, XXXX XXXX. The loan amount of {$7800.00} was to be paid back in 120 monthly installments over a period of 10 years. The interest rate of 12.5 % was set by the lender and presented to us as a fair deal. The monthly payments of {$11000.00} appeared to be an amount that my wife and I could afford at that time. The loan was presented to us by the renowned local XXXX dealer, XXXX XXXX XXXX, XXXX, in XXXX, NC. We did not receive proper counseling about the details of the actual interest payments versus premium payoff that we would face over the next decade. In all fairness, the total amount of expected interest payments was listed in the contract that we signed. My wife and I were sure that we would afford larger monthly payments than the required {$110.00}, and would therefore be bale to pay off the loan much earlier that the anticipated 10 year loan period. Unfortunately, we did not pay attention to the fact that the industry a-typically long duration of the loan would entail paying mostly interests in the first 5 years of the loan. Only today, and after many phone calls with the lender did we learn that a 10 year loan was highly unfavorable for our specific purposes, needs, and financial situation. Almost 5 years into the loan, we have already paid over {$6700.00} and still owe a {$5200.00} payoff sum. Had we been counseled more thoroughly, we would have certainly opted for a 60 month loan instead, and would by now almost have paid off the total premium and interests. The original loan details were made in bad faith and took advantage of our eagerness to buy a good quality XXXX for my wife 's career outlook as a XXXX XXXX.
My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.
I have been advised by the Office of the Comptroller of the Currency that they sent my complaint to you. Case # XXXX / Bank of America. I 'm checking to make sure you received it, because there is more to add to it. 
Thank you, XXXX XXXX
Was served court papers from "  XXXX   XXXX   XXXX   XXXX   XXXX  saying I owed them money. I wrote to the company  XXXX   XXXX ,  2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  XXXX   XXXX   XXXX   XXXX , again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).
XXXX XXXX XXXX was paid in full and agreed to remove negative reporting from my credit report. The company is still reporting on my credit and is stating that I paid less than the full balance. I have letter from the company, emailed to me by XXXX XXXX emailed to me on XX/XX/XXXX. I paid {$950.00} on XX/XX/XXXX. The letter was signed by XXXX XXXX.
They claimed they investigated the claim filed about my dispute when in fact they did not. I had to contact the companies myself to have some fraudulent information which are falsely placed on my credit report. Even after contacting them with verification from the agency and proof that the information needed to be deleted, they refused to delete it. I tried contacting their special handling department to explain the situation. The representative on the phone was rude and when I requested to speak with his supervisor, he hung up on me.
Transunion is reporting  XXXX  personal public tax liens fro m  XX/XX/XXXX  and  XX/XX/XXXX .    reference numbers  XXXX  and  XXXX  These tax liens were paid and these leans were paid and satisfied for several years.   I recently contacte d   XXXX   XXXX   XXXX    tax Examining Technician with the compliance Administration collections Division of the   XXXX   XXXX   XXXX   office of tax and revenue, Office of the  Cheif financial  Officer    XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   Phone  XXXX  fax  XXXX   XXXX   XXXX  email-  XXXX .  XXXX  XXXX  XXXX  Who issues me certified documents  XXXX  release of the   XXXX   XXXX   XXXX   tax lien, recorder of deeds which states paid and satisfied and a certificate of release of federal tax liens for me to issue to the credit bureaus to REMOVE the liens from my public record.  XXXX  and  XXXX  have both complied.  Transition has  not. They said they specifically need a form which states " withdrawal '' even with proof of written correspondence with    XXXX   XXXX   w hich states specifically '' when a person pays off a loan in full, the lien is removed. the assets is no longer pledged to the creditor when the balance is completely paid. The Lien is removed from the credit reports - thanks again    XXXX   XXXX   XXXX   .   Transunion refuses to comply. I have provided them all this information by certified mail. opened the investigation 45 days ago. They have failed to remove it and reopened another investigation for the same issue. I explained to them t he    XXXX   XXXX   XXXX    does not  provide withdrawal forms to withdraw. The form they provide is a  XXXX  form. I clarified this information with  XXXX   XXXX  as to the language being sufficient of the credit companies to remove they confirmed. I provided transunion with this into. This is cause me detrimental harm to my business ventures, capital and ability to ascertain credit along with affecting my good will.   Please help bring this to a resolution as soon as possible.    XXXX   XXXX
I see that TransUnion is reporting wrong information on my credit report. It has to do with a XXXX line of credit.
Transunion is not doing a thorough job in verifying inaccurate information on my credit report. When calling by phone, the reps are rude, do not understand English, and just do a canned dispute. XXXX XXXX ( XXXX ) has been playing games with my Transunion credit report for about six months. First this company knowingly placed a bogus 30-day late on my credit report because consumer researched Alabama usury law and filed a complaint with a state agency. Consumer had to file a complaint with CFPB to get Transunion to act and follow FCRA. Transunion then apologized for its error, and the 30-day late was removed, but XXXX placed a bogus balance with a satisfactory account. Consumer disputed this because the account has been PAID IN FULL since XXXX XXXX, XXXX, and then Elevate placed a delinquent balance that is different from the previous balance on the credit report. Again, Transuion, by phone dispute, stated the item had been verified as accurate. Then, another complaint with CFPB where XXXX placed back that bogus balance with a satisfactory account -- trickery. Consumer placed another dispute with Transunion stating that the account is PAID IN FULL. Then XXXX placed a delinquent account with a different balance, and Transunion verified as being accurate. Consumer placed another dispute with Transuion because account is PAID IN FULL. Then XXXX, again, placed a bogus satisfactory account with a different balance, and Transunion verified as accurate. Consumer placed another dispute with Transuion because XXXX, again, placed a delinquent account with a different balance, and Transuion verified as being accurate. Enough of the game playing from XXXX. Consumer is not sure why Transunion can not figure this out and just keep claiming they verified this back and forth, switch and bait, reporting. The integrity of this credit reporting agency should come into question. This is not fair to the consumer to let this back and forth go on. XXXX is willy nilly placing inaccurate information on my credit report to force me to pay something I do not owe!
Someone utilizing an address in New Hampshire utilized my name and social security number to open a credit card account with Bank of America,  in the credit amount of {$7500.00}. I have never lived in NH and did not open this account. Being that items were charged to the account, and never paid, this began to affect my credit. I obtained a credit report and found this unauthorized account. In XX/XX/2018, I contacted Bank of America directly, specifically the fraud division, and explained everything. I was assured everything would be taken care of. By XX/XX/XXXX, I found out this was still appearing on my credit report. I filed disputes with all three credit reporting agencies. The results of the dispute came back on XX/XX/2018 that Bank of America declined the dispute and allegedly found this to be a proper verified account. It is NOT a valid account. I never applied for this and never resided in NH, and this is now negatively affecting my credit.
XXXX  has been non-compliant with removing the unverified account KINGS CREDIT SERVICES Date opened XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. 

Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX
Filled out online application and they said they would fund it as soon as possible. Did not hear from them. Lending Club called me several times to say that the application was not complete. Went over application again and sent it in. They did not answer. Called me about two weeks later said they hava loan for me. All directions were followed and they just took my information and even moved the response to another state.
I refinanced my VA home loan with XXXX XXXX XXXX. My home loan was with 360 Mortgage, I closed on my refinance on XXXX XXXX, 2017 with XXXX XXXX XXXX. The loan funded the next day on the XXXX. 360 Mortage dispersed my escrow funds out to the county tax collector that day after I requested my escrow funds be refunded to me which are entitled to me by the Real Estate Settlement Procedures Act governs the administration of escrow accounts. RESPA is part of the United States Code of Federal Regulations and gives specific guidelines regarding any escrow overage or shortage amounts. The law mandates that escrow amounts in excess of legal requirements refund to the homeowner.This is a deceptive business practice.
I contacted Santander to request two late payments to be removed and was told to file a complaint or dispute instead ; Santander will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
I have disputed information on my credit reports several times in XXXX XXXX i received a letter from transunion of the results of XXXX disputes.There were some accurate corrections but as usual some additional punitive things were done that impact my score.The cras all say on their websites that all negative marks remain for 7 years from being reported as well as bankruptcy reporting.They also say closed positive accounts will remain for 10 years. When i received my updated report on XXXX they had deleted XXXX closed positive accounts which lowered my score by XXXX points compared to XXXX and XXXX. The FCRA says i am entitled to an accurate report, how can a report be accurate if they are allowed to delete undisputed accounts.I received a letter from XXXX positive closed account informing me due to my dispute they would cease to report on the account.I never disputed this account and it was not filed in my bankruptcy.Again i am only asking for an accurate report.I am filing my complaint with you at this time because none of the cras have a category to dispute a deleted account.Somehow we have to dispute multiple times to get negative information reported correctly, but they can delete positive information at will.
someone hacked into my Capital One 360 account and took {$30000.00} over a 6 week period ; no one from Capital One notified me and it took me many hours on hold and many phone calls for them to deal with this issue
I 've spent 3-4 hours trying to get XXXX  to provide my XXXX and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my XXXX and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?