WillisBack/dataset-financial-user-claim huggingface dataset:
I have gone through the deed in lieu process fully with Seterus 3 times since XX/XX/XXXX. I have had a horrible experience working with Seterus throughout this process and each time the deed in lieu has been denied due to the bank 's lack of communication with me. XXXX XXXX was assigned to handle the deed in lieu of my property and rarely did she return my numerous calls. When I would call customer service, there was always some new document I needed to submit or some new reason as to why the deed in lieu was denied. I have done everything I was supposed to do on my end and submitted all of the necessary documents. Because communications to me from Seterus were minimal, documents for the deed in lieu constantly expired and I had to restart the process at least 3 times. At this point I am frustrated and believe that Seterus is being negligent. The customer service I have been receiving from Seterus has been subpar and my last call on XXXX XXXX, XXXX was completely unacceptable. I learned again that the documentation had expired when the deed in lieu should have gone to closing by this point. No one has been contacting me to keep me updated or to make requests for my assistance when other parties connected to the property were supposedly being unresponsive. Frustrated, I asked to speak with a manager, because at this point I want a solution. He told me I needed to resubmit documents that not one person had asked me to resubmit the entire year I had been working with Seterus. Once again, each time I call there is a new excuse. I requested that one person be able to handle my account, because it seems that there is no standard of communication, and that request was denied. The manager spent much of the call insulting me, telling me that I was " crying over spilled milk '' numerous times and lectured me on my " obligation '' to pay the loan. He was completely unconcerned about my situation and after his rudeness continued I ended the call.
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this XXXX account ending in XXXX. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Are you kidding me? Not one report, but three reports on my XXXX credit history for {$3.00}? This company is going to ruin my credit over only {$3.00}? Who is it? What is it for? Why did I not receive a bill? How and where can I get this {$3.00} paid and off my record? This is just ridiculous and crazy XXXX. OMG the gall of some people or companies. I just can not believe this. Why didn't someone let me know I owed {$3.00} so I could pay it and avoid this? Why and who would report this over XXXX XXXX dollars?
On Today, I received a response from Equifax stating that I should send a copy of my social security card so that they can update my information. I also attached a copy of an utility bill so that they can add the correct address to my credit report. I filed an identity theft report with FTC. I ask that Equifax remove anything on my credit report that isnt supposed to be on there. If the items cant be verified and send me proof of verification then I ask that they permanently remove these items from my credit report.
Problem with Nationstar MortgageI have written you XXXX before about this company and the way they do business. It has not gotten any better. 
I started the loan modification process in early XXXX. I previously wrote you how they " botched '' the application after torturing us for months, making us resubmit the complete application XXXX times, etc. 
Long story short : After they finally approved the modification in XXXX XXXX. I was told to pay the regular mortgage for XXXX and start the XXXX lower payments starting in XXXX. I paid XXXX and XXXX on time. 
In XXXX, I was informed that I paid all 6 months in full. When I called to question that, they said I should not have been told to pay XXXX mortgage - that it actually counted for the XXXX XXXX payments. They resolved this problem, by sending me back the XXXX and XXXX payments I made and letting my unpaid balance and penalties grow starting XXXX XXXX. 
Late XXXX, someone finally resolved the issue and stated that I would go on the unemployment program starting XXXX XXXX. If I paid my {$600.00} monthly statement on time for 6 months and found a job prior to XXXX XXXX, I would then qualify for a loan modification. He said that usually they even forgive up to 75 % of the debt. I was also told : The new loan % rate will be reduced and/or the payment period extended. There would be an initial 3 month trial period to see if I paid on time. If I did, the new lower monthly amount would start in the XXXX month and continue until the end of the loan. 
As requested, I sent in the verification of employment form in XXXX after I was hired for a new full time job. I was told to pay the XXXX payment and to contact Nationstar to start the process of the 3 month trial period. I contacted them to see the next step. They told me to call back in a couple of weeks. 
When I called today, I was informed that the " investors decided not to participate in the loan modification. '' I was knocked down to my knees. I was finally able to speak with a manager. He informed me that all of the outstanding balance, {$34000.00}, is due within 9 months to XXXX year, and and my mortgage will still be the same ... ... we will have to pay over $ XXXX/month or we lose the house to foreclosure. 
Needless to say, I think what they are doing is unethical, unfair, and illegal. Not once in any of my XXXX conversations over the last year with various rep 's did this come up as even a remote possibility. 
Can you help to correct this injustice that we are facing and save our home? We have been living in this home since XXXX. I have never been late on a payment or had any problems until Nationstar took over from our previous bank, B of A. 
Please help. 
Thanks, XXXX
In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX late hits.
On four separate occasions I have sent the ask for documents to all three credit reporting agencies in hopes of removing an Extended Fraud Alert I placed on my credit accounts in a mistaken effort to restrict access to my credit. Somehow this alert is for ten years and turns out was n't needed now I virtually have no credit at all and am denied credit everywhere even with an XXXX credit score, this prevents me from obtaining certain services in my XXXX XXXX fight. In the end my concern with my credit may actually XXXX me.
I purchased a XXXX XXXX XXXX from Consumer Portfolio Services on XXXX/XXXX/XXXX. The original loan was for {$20000.00} and I have been paying on this vehicle for 1 year 11 months and the balance is {$19000.00}. My monthly payments are {$470.00}. I have paid {$8600.00} to date on this loan {$1500.00} has been applied towards principle and {$7000.00} is interest and other fee 's. My vehicle has a blue book value of {$8400.00}. I do n't understand how it is legal for the principle balance to be so high after almost 2 years of paying this vehicle.
I have filed a complaint against Navient prior to this for their reporting of information on my credit report. Navient sent me 2 email updates after I disputed several late payments that they were reporting on my credit report saying they were investigating and I would receive an update by mail when they were finished researching. When I filed a complaint on them, they responded by saying that there investigation showed that all of the late payments reported were correct and I disageee. Navient has failed to show me any proof of these late payments that they are reporting. I sent in my request and they received it on XX/XX/XXXX. If Navient has not furnished the documentation that they used to verify these late payments by XX/XX/XXXX, which is 30 days from the date that they received my notice, I would like for them to delete these late payments from all XXXX of my credit reports.
Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it.
PLEASE SEE THE TEXT OF MY LETTER BELOW : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX : Borrowers : XXXX XXXX. & XXXX XXXX Loan no. XXXX Property address : XXXX XXXX. XXXX XXXX., XXXX XXXX , WA  XXXX Dear Sir/Madam : We received your letter of XX/XX/XXXX ( copy attached ). It states that " As of the date of this letter, we have not received your payment due XX/XX/XXXX in the amount of {$2400.00}, making your loan past due. Consequently a late charge of {$85.00} has been assessed to your account. '' This statement of yours is deceptive as your own records show receipt of our payment of {$2400.00} on XX/XX/XXXX ( see copy of your XX/XX/XXXX Mortgage Statement, also attached ). The {$2400.00} amount we paid on XX/XX/XXXX was the regular monthly payment amount, which apparently was increased for XXXX due to an increase in the escrow amount for taxes and insurance. I do not see in our records where this increase was clearly communicated to us so that we could increase the auto-pay amount for our mortgage payment and avoid having " late charges '' asserted against us. Enclosed please find our check in the amount of {$140.00}. This amount represents the {$59.00} difference between the old and new regular monthly mortgage payments, and the {$85.00} " late charge '' assessed against our account. With the receipt of the {$59.00} shortfall amount for the XX/XX/XXXX payment, you are directed to apply it and the {$2400.00} you are holding as a " partial payment unapplied '' to our account as our full XX/XX/XXXX payment. Your handling of our account and your correspondence to us regarding the account have been unfair and deceptive, and have prompted me to file a complaint with the Consumer Financial Protection Board. Thank you for your anticipated prompt attention to this matter. 


Yours very truly, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX , WA XXXX ( XXXX ) XXXX XXXX XXXX : XXXX XXXX.
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
First National Bank of Omaha, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX  FILE and on XX/XX/XXXX removed/deleted from XXXX FILE, yet want to allow XXXX  and XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
I am filing this complaint against XXXX XXXX, Mediator, Instant Settle Consultants LLC, located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. On XXXX, I sent her through email a letter about the discrepancies about a settlement account that we, my wife and I have established since XX/XX/XXXX. After I indicated to her the discrepancies and false statements that she made over the year about the account that she was solely managing. I also requested a reimbursement of {$600.00} since we had a balance of {$2800.00} while she claimed a balance of {$2200.00}. She promised to look into with her lawyer since then. 
On the spreadsheet ( see attachment ) sent on XX/XX/XXXX, she provided a spreadsheet with the following : Total Deposits : {$5500.00} ( details on Spreadsheet ) Merchant fees : {$190.00} Settlement 1 : {$1200.00} Settlement 2 : {$1300.00} Settlement fees : {$500.00} Balance : {$2200.00} Despite, my multiple requests, she never provided details of the two ( 2 ) settlements that she has made on behalf on my wife. I requested the reimbursement of the balance of XXXX at that time when I became increasingly suspicious of her actions. It took a long time before she wired the money to my XXXX   XXXX  account for the amount of {$2200.00} In a letter to my wife, dated XX/XX/XXXX ( see attachment ), she claimed that the total Deposits since XX/XX/XXXX to XX/XX/XXXX : {$4900.00}. This is incorrect since I made 15 deposits, not 13. Her own  spreadsheet and snapshots support that. On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account the same day ; and on XX/XX/XXXX for {$300.00}. As well, On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account on XX/XX/XXXX ; and on XX/XX/XXXX for {$300.00}. She had confirmed these deposits on her XX/XX/XXXX email, which is attached as well on the spreadsheet that she sent to me on XX/XX/XXXX. Therefore, the total deposits on the Trust account were {$5.00}, not {$4900.00} as stated on her XX/XX/XXXX letter to my wife. In the same letter, she added the following : Payments made to XXXX XXXX for XXXX : {$2000.00} Fees earned for the XXXX Settlement : {$610.00} Refund sent to Citizens bank : {$2200.00} Contrary to the facts that you provided on XX/XX/XXXX, it appears that you have settled only ONE of my wifes accounts. Therefore, you did not settle her Citi/bestbuy account as previously stated. Instead of {$2200.00}, you should have refunded to my XXXX XXXX for {$2800.00}. But she refunded only {$2200.00}. Therefore, you owed {$600.00}. I requested the refund of the {$600.00}. Once again, she is using the same deceitful tactics to avoid sending the {$600.00} that she has been holding I will greatly appreciate your assistance so that XXXX XXXX send the remaining {$600.00} on the balance she has been holding. 
Sincerely, XXXX XXXX
XXXXXXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines
Equifax is reporting that i was charged off or late on the following accounts : XXXX credit adjustment XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX bank XXXX accounts are all charge off. theses account were always paid on time and never late. Please have the credit bureau update theses account as paid in full/paid as agreed remove charge off status
Portfolio Recovery Services called my home this XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from Portfolio Recovery Services and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by Portfolio Recovery Services
Letter sent to Diversified Consultants requesting verification of the account belonging to me. ( Ex. Documentation bearing my signature ) Response from company was an invoice which is NOT verification.
I had tried to open XXXX accounts, XXXX was business and XXXX was personal at XXXX XXXX, and also at XXXX XXXX. I was told by both banks that I am unable to open account today due to their system reporting back that I am showing up in their system, under CHEX SYSTEMS, and that I am bot able to open the account. 

I have never had this problem occur ever, and I also am aware that I DO NOT have an outstanding balance with any Bank or any Credit card company, in fact my credit score is above XXXX. 

I work for XXXX XXXX XXXX and XXXX  as a XXXX XXXX in XXXX XXXX and maintain my credit and history is very important. 

I have had Identity Theft done to me in the past were I had notified all 3 Credit Companies, Social Security Office, WA DMV, Federal Trade Commission about Identity Theft and How I was a victim of it. I had also filled out ID theft Victim Document and notarized it to provide to all the company 's as well. Their were credit cards and many credit inquiry 's that were happening to my account which I was unaware of. Some one was using my identity. 

I had then noticed that their was an account opened with XXXX XXXX under my name which I never was aware of and never did I open this account or authorize anyone to open it on behalf. Their were transactions happening on that account and someone was actually using it as a bank. I immediately contacted the bank and notified them of the situation and sent in all the documents, and instead I was told that this is false and they do not believe me. 

I had then checked again 2 months later and then their was an account under XXXX opened recently under my name, and prior to that their was XXXX account opened some time back as well. I then again filled a police report and filled ID theft. I called XXXX XXXX left a message several times and never heard back. I also notified 3 credit company 's about this issue and they replied within a timely manner. 

It has been one thing after another, XXXX bank finally resolved the issue and took me off their system, but I am still showing at Check Systems and it shows that Washington XXXX had sent over a complaint against me to put me under check systems, but I never banked with XXXX XXXX and I did contact XXXX XXXXl and let them know that along with Check systems but nothing has seemed worked and has only caused problems. 

I would like to have my name removed from Check Systems as I never opened an account with XXXX XXXX or XXXX or XXXX, I bank with only XXXX XXXX and have been since 2004. 

I need check systems to remove my name off the list as son as possible so I can bank with other banks and not have a problem. 

Thanks in advance.
I am writing as I received a response from XXXX .but they have not up load -ed the letter. at the time of the transferred of my loan XXXX responded that at the time of transfer and I quote.the short year history escrow statement reflected an actual bal XXXX at time of transfer end quote .this is where the problem lies with bsi financial .I received from bsi the final escrow statement showing XXXX XXXX had closed out the loan .prior to that the escrow acct was corrected add XXXX for shortage .I received a letter stating that there was no money from the transfer transfer from XXXX to bsi and was then charged a I believe either XXXX or XXXX to start the escrow accout. I would like to know where the XXXX esc -row amount went at time of transfer.i believe this is where the problem lies