WillisBack/dataset-financial-user-claim huggingface dataset:
GreenTree/Ditech Loan # XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThere are numerous issues with this short sale file:1 ) Loss mitigator, XXXX XXXX XXXX claims that Green Tree and Ditech are XXXX different companies -- - they are not, they just changed their name - this is extremely deceptive and this is what they are telling people that call in. XXXX 's intimation to us was that any illegal acts that Green Tree committed were water under the bridge as Ditech is a different company - this is quite possibly XXXX the most ridiculous things I have heard. 

2 XXXX Green Tree/Ditech - illegally threaten our sellers and told them they had to vacate the property prior to the property being foreclosed on. They did this on or about XXXX 2014 claiming that they ( XXXX Tree/Ditech XXXX owned the property -- - our clients do not speak XXXX were bullied into vacating the property, this is something the Green Tree/Ditech has a history of doing. 

3 ) Green Tree/Ditech then continued to postpone the auction -- - they did not own the property as they has told our clients, and continued to fraudulently collect servicing fees XXXX -- - defrauding the XXXX taxpayer and the federal government. They claimed that the postponement was due to our clients bankruptcy .... Unfortunately for Green Tree/Ditech, this is yet another lie as the BK closed over 1 years ago. -- - this is a wide spread problem with Green Tree/Ditech as is evidenced by the XXXX complaints online. 

4 ) In violation of State and Federal statutes, Green Tree/Ditech did not reach out to the home owner and the homeowner only became aware that they still owned the property when a notice of trustee sale was issued on the property. I find it rather disgusting that Green Tree/Ditech would think it is ok to do this to a XXXX family only because they a ) do n't speak XXXX well ; and b ) do n't have the means to fight. This is a disgusting practice that they CFPB needs to STOP! 

5 ) We request that the CFPB ask Green Tree/Ditech why they would lie to a home owner and tell them that they owned a property when XXXX Green Tree/Ditech XXXX did not. Why they would not contact the homeowner for workout options. Why they would continue to collect servicing fees from a federal entity for over 1 year XXXX they already owned it ... or so they told the home owner ) without foreclosing increasing urban blight and defrauding XXXX.
I applied for a Nordstrom Credit Card on XXXX/XXXX/2016 the rates offered were as low as 11.15 % and as high as 23.15 % based on creditworthiness, before applying, I unfroze all XXXX Credit reports, so they could review my credit history, I completed the online application which asked me minimal questions, income, length of time at my resident and annual income. With my credit score and history of accounts and length of accounts I would more then qualify for the lowest rate offered. Once I completed the online process I was immeditaily approved at a XXXX rate which is 19.15 %. After making a numoros of phone calls with my dissatifaction do to there responses to my concern of the interest rate based on my credit, length of time at residence, length of time on job, income and no debit ratio the representative stated that they would offer me XXXX rate which is 15.15 %, still not satisfied with the response and them not able to tell me why I did n't get the XXXX rate which is 11.15 % is why I 'm filling this complaint. I feel that if I had a question regarding my creditworthiness I would n't have unfroze my credit and applied for the card. 
Nordstrom 's Credit Card Interest rates and Interest charges section states " Your APR will be assigned when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the prime rate '' My average credit score between the XXXX bureaus XXXX and XXXX is XXXX, which are the XXXX bureaus Nordstrom credit uses. I tried to find out what was the reason behind my XXXX he was n't able to really explain other then he said my score was a XXXX and it qualified for the XXXX, the represenative said he would be able to give me XXXX rate and do to me still not being satisfied with his response he then said he would not switch to the XXXX do to me still not being satisfied with there response. I believe I have been taken advantage of and now if i close the credit card it will reflect on my credit negative. I tried to handle with the credit card company, but have been told that it has been sent to corp. office for review.
LastXX/XX/XXXX, I sent this company a letter disputing several accounts that I do not recognized. From the account number to the opened date and creditor name, I do not recognize those pieces of information which is enough reason for me to to practice my rights and request for an investigation. I disputed the following accounts : XXXX XXXX Ref # XXXX , COUNTY OF XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX, XXXX XXXX ref # XXXX, XXXX XXXX XXXX ref # XXXX It has been more than 30 days and yet nothing has been provided to me or sent to me as validation document, that was used in their investigation. This is a clear violation of FCRA.
The company, titlemax, disclosed that I had an account and debt with them to my mother and my cousin. They are not approved XXXX parties to be disclosing that info to.
Good morning, I have three accounts with Capital One and I HONESTLY, I forgot about the payment which was due on the XX/XX/XXXX. I put ALL bills on my calendar with alerts and somehow this payment fell off of my calendar. This is not a regular practice for me and I wanted the fees waived ( late fee/interest ), they were able to waive the late fee, however, they REFUSED to remove the interest charges of {$43.00} as a one time  courtesy. I know this is something they are able to do and I would like a one time courtesy and have this charge removed. 

The representatives were not very helpful and I've had better customer service at XXXX. Every response is not very clear and the supervisors they pretend to transfer you to are not really supervisors. I use to work in a customer center and I know the game. 

Thank you in advance for your assistance
I was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.
My credit card bill was due in XX/XX/XXXX. I made the paid at XXXX on that day. OnXX/XX/XXXX I got a alert on my credit report stating that I was over the limit with my credit card. I was told in the past from first Progress as long as I make the payment by XXXX on due date there will not be a late fee. Which I did. This is a secured credit card and it 's really sad that they are taking advantage of me. It 's my money and even if I follow the guide I 'm still being held responsible. I have a copy of The payment made with XXXX apparently it 's a 3rd party company that excepts there payments. Which is still not my problem. They should not allow a system that they allow to except there payments make the customer late. Thankyou.
My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.
OnXX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find TransUnion and XXXX  had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with TransUnion on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX it would have been confirmed. I was not able to submit a dispute with XXXX.
On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Ive contacted XXXX numerous times over the past few months about inquiries that does not belong to me and they have denied me of deleting them even after they told me I was a victim of their breath. Also Ive had a collection removed from my other reports however XXXX is refusing to remove it
I had a conventional mortgager with XXXX XXXX XXXX, which was purchased by PNC Bank. I had submitted information as part of a class action, whereas XXXX XXXX XXXX   charged minorities higher interest rates.
Care Credit Card - Used for Pet, Vision, Medical, etc .... 
In XXXX, we had a series of unfortunate mishaps. We had to take our cat and dog to the vet on separate occasions. We have bills totaling over $ XXXX. The Care Credit card allows options for deferred interest if you pay within the promotional deadline. In multiple cases we selected 0 % for 12 months. Each month our bill provides the monthly balance, deferred interest, and when the promotional date expires. 
My concern is deceitful and misleading payment processing. 
For example : Charge # 1 - Expires XXXX/XXXX/XXXX with a balance of {$4000.00} Charge # 2 - Expires XXXX/XXXX/XXXX with a balance of {$5000.00} I will pay {$500.00} to charge # 1 to avoid interest. Care Credit is not applying the full payment to charge # 1. Instead they are applying portions of the payment as they see fit. A consumer paying {$500.00} naturally wants to pay down charge # 1. There is indication in their payment system that says otherwise. A consumer believes all of the {$500.00} payment is being applied to charge # 1. 
Care Credit has been deceitfully spreading out the payments among the multiple charges, which then makes the consumer default into interest charges. This is not only wrong but a bold face lie since there is nothing indicating/differentiating payments to multiple charges. 
We have never been late and always pay on time. I am angry because we have multiple charges we have been trying to pay off, only to see that Care Credit is lying to their customers about payment distribution. 
We expect an inquiry to be made and restitution to all customers they have been cheating for a long time. I have no idea how many years we may have been paying interest believing we were paying our promotional balances on time. 
Shame on you Care Credit for your deceitful practices!
I was just contacted by a Law Firm on behalf of US Bank. I had an account with them more than 15 years ago. Apparently I had an overdraft charge that was not paid, although I closed the account at that time and was not notified at the time of my account closing that I had any fees remaining. I have never received contact from US Bank regarding this until today and now they want me to pay them more than {$2000.00} dollars in late fees. 

The Law Firm literally said they ran a check on my personal funds recently and noticed I now had income to spare, which I do not as I pay {$570.00} a month in student loan debt and hundreds of dollars in copay 's for health insurance, as I have a rare XXXX that requires a massive amount of XXXX. They threatened to garnish % XXXX of my income, I will not be able to pay for life saving medication or my student loans at that rate. 

I have worked really hard to pay down my date, pay my bills on time and maintain a high FICO score and they are threatening to dismantle all of my hard work. 

I have not contacted them directly as I don't believe they will help me, if they waited more than 15 years to contact me and to run my income once they thought I was able to pay their egregious amount, I cant imagine they will be willing to help me today. 

Thank you!
On XX/XX/2017, upon hearing of the data breach at Equifax, I went to their website. It asked for the last 6 digits of my social security number. Then it told me none of my credit information had been compromised.
Then I learned that by using the site to check if my data was breached, I had opted into an arbitration clause. To preserve my rights to sue them in a federal court, I have to notify them in writing. Snail mail, stamp, envelope, time. Equifax tricked me. Of course I can join a class-action lawsuit, but right now I just want you to enjoin them from tricking other consumers as Equifax tricked me.
Equifax does not provide a clearly accessible phone number to contact customer service, specifically for those whom may have been affected but have not bought any products from Equifax.
If their website contained a telephone number for consumers who had not created an account from purchasing a product, I could not find it. I am XXXX. It could be that the website was poorly constructed and that my screen reading software merely did not read the number.
I was a onlne student with XXXX living in California, I filed a loan with XXXX XXXX as my lender. I got sick and unable to complete my last class, I had to drop from course. I wanted to complete my degree upon requesting my transcript I was made aware that I owed XXXX {$6200.00}, they returned funds to my lender and informed me that it was a private loan and I owed the school. I contacted school and president in XXXX 2013 requesting assistance with getting this resolved, I explained that I willing to make payment but really needed my transcript. I was told needed to pay in full before they would release my transcript. I applied for a consolidation with my lender XXXX XXXX they were willing to consoildation because they have my other student loans from XXXX currently. XXXX XXXX informed me that XXXX informed them they do not have a loan currently for to consolidate. I am currently receiving threatening phone calls from a collection agency called XXXX XXXX XXXX stating that they will be filing a judgement against for XXXX because I have an outstanding loan. I have attempted to seek solution from financial aid office at XXXX. 
XXXX XXXX University my ID number was XXXX phone number XXXX XXXX XXXX XXXX number is XXXX file number XXXX
On XX/XX/XXXX, I received a letter from the debt collection company named " Transworld Systems , Inc. '' ( XXXX XXXX XXXX, XXXX, PA XXXX ), claiming that I owed to XXXX XXXX of XXXX {$440.00}. 

On XX/XX/XXXX, I wrote a letter to Transworld Systems with a copy to the XXXX XXXX XXXX stating that I already had paid the alleged debt. I enclosed with my response information of the electronic payment that I did ( confirmation number ) and notified that the equipment was pickup by a XXXX employed on XXXX XXXX, XXXX. ( Please, see Exhibit XXXX ). 

A few days later, on XXXX XXXX, Transworld sent to me a XXXX letter alleging that the same debt mentioned before was unpaid. I responded again that I already had paid the debt and that the equipment was returned, so, no balance was pending. I also asked for a cease and desist of sending to me their collections letters. ( Please, see Exhibit XXXX ). 

However, on XX/XX/XXXX, I received a XXXX collection letter ( dated XX/XX/XXXX ) alleging that the same debt was still unpaid without any consideration to the letters and supporting documents that I previously submitted demonstrating that I paid the alleged debt in full since XX/XX/XXXX. 

These insistent and continuously submissions of letters asking for a non-existence debt are obviously an illegal harassment against me. So, herein I am asking from the " Consumer Financial Protection Bureau '' their protection of these XXXX companies ' illegal harassments ( XXXX XXXX and Transworld Systems , Inc ).
Why did XXXX XXXX XXXX refuse to provide us with the actual amended & restated note loan modification agreement form 2003 to us? 
Why is XXXX FKA XXXX Or Nationstar mortgage of XXXX refusing to give us a actual copy of the Amended and restated note loan modification agreement paperwork to us? 
Also I want a answer why all my military service time I was denied when I provide the correct info?
I have had a problem with the " Direct Express '' debit master card account! I had XXXX different deposits ( returned merchandise ) from the same merchant into my account on XXXX/XXXX/2016 neither transaction reflects in my account! I have contacted the customer service numerous times to no avail! They refuse to allow me to dispute or file a claim for the money they have received from the merchant, and not deposited into my account. I am seeking your help to get my money from this Direct Express bank.
XXXX  has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from XXXX. XXXX always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested XXXX to update their file over 5 times.
In XXXX and XXXX of XXXX, XXXX XXXX XXXX reported one account ( loan  account ending in XXXX ) as a bad discharged debt and another as delinquent to all three credit bureaus. ( see attached ) This information is inaccurate. In XX/XX/XXXX XXXX XXXX XXXX  XXXX removed me from the account that they later reported as a " bad debt ''. They also reported me as delinquent on a credit card account ( XXXX ) that is linked to my XXXX  XXXX XXXX checking account for automatic payments. The checking account has always had sufficient funds and there never should have been a late payment.
I learned of an inaccurate account when I checked my credit report. I called Equifax to ask about it, they directed me to the data furnisher, " XXXX XXXX XXXX XXXX ''. I contacted them by mail ( see attached letter ), and asked them to provide me with further documentation, per Section 623 ( a ) of the FRCA. They failed to respond in any way. I received no letter, nothing. It 's now been 2 months. I disputed the item with Equifax but they have not removed the account from my credit report. They are supposed to do so within five days of learning that there is an erroneous, unverified account. Please help me to get them to do what they are required, by law, to do!
MY STUDENT LOANS ARE WITH XXXX XXXX XXXX.  IN XX/XX/XXXX, I STARTED WORKING FOR THE XXXX XXXX XXXX.  MY COWORKER TOLD ME ABOUT THE STUDENT LOAN FORGIVENESS FOR CIVIL SERVANTS WHO MAKE 120 PAYMENTS WHILE A CIVIL SERVANT.  I ASKED HER IF SHE CALLED ABOUT IT TO VERIFY, SHE SAID THAT SHE HAD NOT.  THAT DAY, I CALLED MY BORROWER TO ASK ABOUT THE PROGRAM.  THEY ASKED WHERE I WORKED, I TOLD THEM AND THEY SAID THAT YES, AFTER TWN YEARS OF PAYMENTS, OR 120 PAYMENTS WHILE EMPLOYED WITH THE AGENCY, I WOULD QUALIFY FOR STUDENT LOAN FORGIVENESS.  AWESOME.  THEN IN XX/XX/XXXX, I CALLED AGAIN TO INQUIRE IF GOING ON XXXX LEAVE WOULD AFFECT THE PROGRAM ELLIGIBILITY.  THEY SAID THAT WHILE, NO, IT WOULD NOT, I DID NOT QUALIFY SINCE MY LOANS WERE NOT CONSOLODATED A CERTAIN WAY.  I WAS SO UPSET.  I ASKED ABOUT CONSOLODATION.  THE LENDER TOLD ME THAT I NEEDED TO GO ON A PAYMENT PLAN THAT WOULD TAKE MY STUDENT LOAN PAYMENTS FROM $300 (SOMEWHERE IN THAT NEIGHBORHOOD) TO NEARLY $900!  I AM A XXXX XXXX, MY HUSBAND IS MILITARY.  WE COULD NOT AFFORD THAT.  ESPECIALLY AFTER HAVING JUST HAD A NEW XXXX AND HAVING TO DEAL WITH ALL THE COSTS ASSOCIATED WITH THAT.  HEARTBROKEN, I ACCEPTED WHAT THE LOAN OFFICER SAID AND HUNG UP THE PHONE.  THEN I DECIDED TO CALL AGAIN IN XX/XX/XXXX, THAT LOAN OFFICER HAD ME COMPLETE THE OMB NO XXXX OR THE PUBLIC SERVICE LOAN FORGIVENESS EMPLOYMENT CERTIFICATION FORM.  I SENT IT IN WITH MY WAGE VERIFICATION AND CONSOLODATED MY LOANS UNDER AN INCOME DRIVEN PLAN.  FOR SOME REASON, THIS LOAN OFFICER SAID MY PAYMENT PLAN WOULD BE ONLY $XXXX, HALF WHAT WAS QUATED TO ME TWO YEARS PREVIOUSLY.  THAT WE COULD AFFORD.  SO I SUBMITTED EVERYTHING AND MY PAYMENTS WENT UP.  I JUST CALLED AGAIN IN XX/XX/XXXX AND FOUND OUT THAT I AM STILL NOT ON THE PROGRAM.  THE LOAN OFFICER INFORMED ME THAT I NEED TO RECERTIFY MY EMPLOYMENT (WHICH I WILL DO) BUT MENTIONED I NEED TO BE DOING THIS EVERY YEAR.  NOBODY MENTIONED THIS TO ME AT ANY TIME NOR HAVE I RECEIVED ANY MAILER TO THAT EFFECT.  I WORK FOR A XXXX XXXX, WE "RECERTIFY FOR BENEFITS" EVERY DAY.  WE SEND NOTICES, WE SEND THE FORMS, WE SUSPEND IF WE DO NOT HEAR BACK.  THIS XXXX WILL MAKE 8 YEARS OF XXXX XXXX, 8 YEARS THAT SHOULD HAVE QUALIFIED FOR STUDENT LOAN FORGIVENESS.  I HAVE NEVER BEEN LATE, I HAVE ALWAYS PAID ON TIME.  I WANT THOSE YEARS, AND THOSE PAYMENTS TO MATTER.  I DON'T WANT SPECIAL TREATMENT, I ONLY WANT WHAT I AM ENTITLED TO UNDER THE LAW.  PLEASE ASSIST IN THIS MATTER.
I opened a capital one card used it once to get a motel room. When I called because I hadnt received a bill I was told no balance was due at this time. I thought weird but possible. I unfortunately forgot about it I was moving and going through a divorce. I recently checked my credit score and saw it was now in collections for XXXX