WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX Nationstar demanded our mortgage payment. We disputed this since the company originated the loan was since put into bankruptcy by the Federal Govenment for fraud. We demand to see contract under FDCPA and they fail to provide oirginal contract for our review that said we must pay them. Subsequently, they begun foreclosure proceeding and we defended by starting a suit in federal court ( XX/XX/XXXX ) and by Nevada 's Mediation Program. At this point all colllection activity should have been stopped according to the FDPCA. In XX/XX/XXXX we filed our law suit in the Federal Court & In XX/XX/XXXX, the Nevada Foreclosure Mediation Program determined that Nationstar had no right to forecluse lack of proper documents. IN XX/XX/XXXX, the Federal Case was dismissed for diversity issue and I file case in State Court in XX/XX/XXXX after Nationstar begun foreclosure proceedings again and we also while case was pending in State Court went through a second Mediation Program. Because of rules changes, Nationstar didn't need proper documents and we were not allowed to challenge the document presented by Nationstar and they were allowed to foreclose even though we had a default judgment for failing to respond in a timely manner in State Court. However, in XX/XX/XXXX, the State Court Judge erroneous dismissed our case based on improper pleadings by Nationstar 's Attorney  that had nothing to do with what we alleged in our suit. Seeing that getting a fair trial wasn't possible by the Judge 's action we decided to pursue a modification through NACA and receive a trial approval from Nationstar in XX/XX/XXXX. Since then, we have not missed one payment or we haven't been late at all not one time. We completed the trial period as scheduled and modification became effective XX/XX/XXXX. After all this, Nationstar now Mr.Cooper went back and reported us late with all credit reporting agencies beginning from XX/XX/XXXX until XX/XX/XXXX. This is unfair and unlawful in accordance with the FDCPA 15 USC 1692. Once a debt is disputed, all collections activites must stop until verification is provided. Proper verification was never provided to us. I believe in some of their modification paperwork they force you to accept these late payments of risk not getting the modification. If need, I will send court documents.
I have American express Blue cash preferred card with cash reward program ( upgraded from my previous blue cash everyday ), and used it heavily in the past XXXX month ( over $ XXXX total, should have ~ {$200.00} reward dollar based on my own calculation ). I am supposed to earn the reward dollar ( for previous statement ) within XXXX business days I pay the current statement. However, the cash reward dollar in my account was never updated for my 2016 expense. I contacted AMEX regarding this issue by online chat three times, phone call XXXX times. Every time, I had to spend half hour explain what happened. I was promised by different customer service guys that investigations were being submitted that I would get the reward dollar I earned, but XXXX months passed, nothing came back. I am not even sure if the customer service lied to me about the investigation or not because once I was told ( also by AMEX customer service ) that there was no investigation submitted. what make it worse is AMEX can not give me a timeline when this problem can be resolved, and they just want me to wait. I can not close the account either because the reward dollar will be forfeited.
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
I have been disputing this account on my Report since  XX/XX/XXXX when I noticed that this appeared on my report.
I have asked both   XXXX   ( CRA ) as well as  XXXX  ( Creditor ) to furnish me with copies of an original contract bearing my signature, and have failed to do so. I know that I did not open an account at  XXXX .   XXXX   does not verify the information according to the FCRA, will not provide me the contents of my credit file not the report, my file must contain hard copies of all creditor information about said account according to this act and that I am entitled to said contents.
I have spoken to   XXXX    several time after each dispute requesting documentation, the person who is verifying this information and the method that   XXXX    is using to verify. I was just told by a Supervisor  XXXX  ( would not furnish last name ) at the Dispute dept. of  XXXX  that  XXXX  does not itself verify creditor 's information but they honor the creditors information and put that on my report.
This is a contradiction of the FCRA, on how the CRAs are supposed to verify information. I need this wipe from my credit report, the amount is minimal {$910.00}, it is the principal behind this, if it were mine I would gladly pay this.
Why do we have laws and acts if CRA 's can circumvent these laws so easily?
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I have provided the information below on my dispute history.
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This is a summary of your   XXXX   Credit File activities within the last 365 days.
We will periodically notify you via email of the status of any pending online disputes or other disputes you have authorized   XXXX   to deliver online.
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Results   XXXX   COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Viewed  XXXX  PENDING XX/XX/XXXX  XX/XX/XXXX  ( Estimated ) -  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX  XX/XX/XXXX Expired   XXXX   COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  N/A   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Mailed   XXXX    COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired   XXXX     XX/XX/XXXX  XX/XX/XXXX  -  XXXX  COMPLETED XX/XX/XXXX   XX/XX/XXXX  Expired  XXXX  COMPLETED  XX/XX/XXXX   XX/XX/XXXX  Expired Thanks you,   XXXX   XXXX
I have a paid/resolved tax lien on my credit report. I contacted Equifax to have the information removed per the law that states paid liens should come off credit reports seven years after lien was filed. Was informed by the Equifax agent ( who barely spoke XXXX ), that Equifax adheres to their own internal policy on removal, not the Federal law. Was told lien would be removed seven years after it was PAID, not after it was filed.
About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.
My loan was sold to State Bridge Company from XXXX. I can not get anyone to answer my phone calls at State Bridge. I have spend well over an hour on hold for days at a time. I leave messages and the messages are never returned. I filled out the paperwork to have my mortgage payment to be taken out of my bank account every month. The first month the money was not taken out and I spend over a week calling. I finally go ahold of a person and my mortgage was taken out of my bank. My second payment still has not been taken out and I can not get ahold of anyone!!! This is so frustrating. I do n't want to pay online because I fear that I will then be double charged. Help
I had a CD with Synchrony. When it matured, they rolled it over without asking ( fine print in the contract ). I called TWO DAYS later, but they were adamant. Told them they can keep the interest earned since it rolled over, but they charged interest on the FUTURE time that the CD would be with them - six months ' worth. 
I called and explained there was a death in the family and that is why I needed the money. They asked for it in writing, saying they would break the CD and not charge a fee. 
I sent them the letter, but they never bothered to respond. They mailed a check, deducting the money they basically stole from me. They took half of the interest from the previous year. 
When I called, their representatives said they had made a mistake, but that they would not pay for it. They did not hide the fact that they had my money, there was nothing I could do about it and that they did not care what their customer thought of their actions.
XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. 
XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.
experian, Esperian is not allowing me to access my credit history in written form and on the internet. The internet sit does not function correctly and it is creating a catch twenty two situation of a endless loop around and around the system which will not operate correctly. 
I want my credit history sent to me by snail mail and on the internet on demand ; which I have a legal right to access by law.!!!
Today I received an email from " Equifax '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' ).
I tried to obtain the annual on-line credit report from Equifax. To check my identity, Equifax asked 4 questions about my finantial activity. None of the questions pertained to any of my financial transactions, but asked about loans I do not have. I responded " none '' to all their questions on the web form. It site then said my identity could not be confirmed and denied acces to my credit report. Many calls to the company only got referals to advertisements for their products. 

Equifax procedures do not allow you to contest fraudulent information unless you have a credit report, and you can not get your credit report without knowing the fraudulent information in it. 

In addition, a US government web site that refers to Equifax for identiy verification, also asked these questions about loans I do not have, and was therfore denied access.
I have been battling to fix my credit report, after someone used my identity to open up accounts under my name. I have been battling with all there credit companys to remove accounts, and improper information on my credit report, and or, late payments that I clearly have shown to all there credit reports over and, over again since XX/XX/XXXX. Also there is incorrect address 's, and incorrect hire date for my job, and it is not being taken care of. I have credit inquires that are still being ran in my name, after I sent told each credit company I been a victim of Identity theft, and sent a police report, and Identity theft report, but still I have over 16 credit inquires not done by me, that XXXX Equifax XXXX will not remove. Mt student loans on all accounts have never been 90 day late or late ever. They have been in admin forbearance, and are due to be discharged. However when I was given a letter by XXXX stating that my loans have never been late I sent this to all there credit companys, and they will not remove the late payments from my record. As of todayXX/XX/XXXX my credit report still shows late payments, and 16 inquires, and incorrect information on my credit report.
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with XXXX XXXX. During the time of the loan I was also having some other medical and financial issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank manager XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.
COMPLAINANT INFO Complainant Name : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Mailing Address : XXXX XXXX XXXX XXXX, XXXX GA, XXXX Home Phone : XXXX Work Phone : XXXX Cell Phone : XXXX Email : XXXX Education Level : XXXX RESPONDENT INFO Respondent Type : Organization Respondent Name : OCWEN Address : XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX : Phone : XXXX Account Number : XXXX Person ( s ) you dealt with at the company : XXXX ; XXXX COMPLAINT DETAILS Filing for someone else : No Complaint Description : We were denied 2 times for mortgage modifications with OCWEN. We made all trial payments on time. The first modification payments were made through a wire transfer and XXXX claimed they did not receive them and or they were not on time. The second mondifciation we made all trail payments on time, but due to the hurricane. which caused undelivered mail, we did not receive the finalized modifcation packet on time, which had a due date to be returned. The deadline was missed because we did not receive the packet due to the weather. Once we received thte packey I sent it certified and Ocwen took the package and did not sign the certified postage card as acknowledgment of package being received. NO ONE SIGNED THE GREEN CARD, but we received the GRREN CARD back as if Ocwen had signed for it. It had no signature therefore they stated they did not receive anything from us. In addition. we will provided with the wrong mailing address for the final modification package to be returned So, Ocwen attempted to denied the trial modifcation for their error. Once the trail was completed, I became ill and missed the XXXX XXXX Deadline. Our mortage was paid on XXXX. We were notified our modification was cancelled. Ocwen it a FRAULENT COMPANY and are trying to ILLEGALLY foreclose on customers. I did XXXX XXXX XXXX XXXX, who appeared to side with Ocwen and assisted them with the Fraudlent Acts, Ocwen and XXXX XXXX XXXX has caused my medical condition to worsen due to the constant harrassment. I had to pay XXXX per modification due to the home having to load to XXXX XXXX XXXX. It appeared they were changing their amount on customers for GREED. Also, Ocwen increased my Mortgage modification trial from XXXX on the first modifcation to XXXX on the second modication. Ocwen is INTENTIONALLY denying modification based on any factor they can fine, even if you pay XXXX over the modification amount. Also, There are ERRORS in our MODIFICATION PAPERWORK. WE WANT OUR MONEY BACK FROM XXXX XXXX XXXX  BASED OUT OF CALIFORNIA AND OCWEN, in addition to a XXXX payment monthly. 
Joint Account : Yes Joint Account Description : XXXX XXXX, Husband Did you sign a contract? : Yes Amount in dispute : XXXX Transaction Date : XXXX/XXXX/XXXX Attorney Contacted : No Product/Service Advertised : Yes ( Via mail we have no more money to pay for an attorney ) Complaint submitted to another regulator : YES
Experian and XXXX is reporting my XXXX XXXX XXXX XXXX is a charged off as a bad debit for {$9900.00}. This is inaccurate, This account was paid in full which is reporting paid 100 % paid off on my XXXX credit report.
Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?
PNC advertised a feature for its checking account which stated no fees would be charged to re-order checks. This was one of the reasons that I opened the account. However, after I had the account opened for a few years, the company decided they would charge fees to re-order checks that particular feature of my account would be eliminated. I believe this is a " bait and switch '' type scenario. It is not fair to change the fee structure/ terms of my account because the bank wishes to reduce its expenses. I understand that new account openings would be subject to pay this fee because the terms of the product offerings have changed and they no longer offer the product that I signed up for. I was " notified '' on an online statement ( which I admit I do not check ) that this would be occurring ; however, I do not feel it is acceptable to change account terms when the consumer has not violated any terms of their account agreement. In short, any fees assessed to an account need to be provided when the account is opened. This way the consumer can choose the best product for them. If the fee structure can be increased whenever the bank chooses, then there technically is not any way a consumer can know the actual terms of their product and make a correct selection. I chose a product based on the features it offered, and then that feature was taken away? This is not acceptable and in my humble opinion violates the very spirit of the UDAAP law. While this does not represent a significant monetary damage to my family, it does show that the banking industry is using deceptive marketing tactics to obtain customers and then unfairly removing features from accounts. I feel that I am justified to simply have the product I signed up for. If I bought a car with a navigation system and then the car company stopped putting them into their new cars, would the be justified to remove the navigation system from my car? In no other industry would this type of rationale be considered reasonable. Please consider my complaint and help me to simply have the product I signed up for.