WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX working on the client 's behalf. My client was facing foreclosure. On XXXX/XXXX/15 the client submitted his first payment in participation of the 90 day deferment opportunity offered by Colorado Statute. All deadlines were met and the payment was sent according to the attorney 's instructions. On XXXX the payment was rejected by the loan servicer, Nationstar. My client called Nationstar and he was told by a representative that they do not " participate '' in the 90 day deferment. I contacted the attorney, XXXX and was told it would be taken care of, and that Nationstar did not have an option to " not participate '' per Colorado statute. I instructed the client to resubmit the payment. The second payment for the second month of the deferment was sent at this time as well. On XXXX/XXXX/15, both payments were sent back to my client. I contacted the attorney again, and was told they 'd be setting up a conference call with Nationstar to get it straightened out, and to resubmit the payments. I instructed my client to do so. On XXXX/XXXX/15, we filed an intent to cure, because my client had the funds to cure the mortgage delinquency. The attorney did not respond with figures until XXXX, after a second request for the figures had been sent. My client took the payment for curing the delinquency, in person, to the public trustee 's office and cured his delinquency. On XXXX/XXXX/15, my client received both of his deferment payments back again and a letter from Nationstar saying he now owed approximately {$2000.00} more than what the cure figures stated. I have attempted to contact the attorney and have not heard back. The public trustee of XXXX County had honored the deferment, and has withdrawn the foreclosure due to the payment to cure the delinquency. But Nationstar still has my client 's mortgage in an active foreclosure, and my client is not sure what to do next OR what to do with his XXXX money orders for the 90 day deferment. XXXX of the money orders is set to expire XXXX XXXX, so he will be depositing the money back into his account. If the deferment payments would have been accepted, as they should have been, his cure figures would have been different than the amount he paid. Additionally, he will be owed back some of the fees paid in the cure payment that had not yet actually accrued.
XXXX XXXX XXXX XXXX Attorney 's for XXXX  have foreclosed on my home they provided No notice that they were debt collectors, no notice that I had a right to dispute the debt No copies of the requested details of the debt. They committed fraud upon the court by affirming that tall the information provided was true and it was not. They never served my ex husband who has not lived with me since XX/XX/2003 they affirm the bank has the mortgage documents yet another Law Firm for XXXX  " XXXX  '' affirms that they lost the Note. This is just two instances of the numerous counts of fraud they have committed and affirmed to in documents to the Court
I just requested a annual credit report and it indicates 3 addresses in which I have never lived. One address I do not know at all and believe it is associated with identity theft which occurred 2008 and was reported. 
The other two are addresses of my ex husband. Please remove these addresses. See below I have never lived at : ( address is present possibly due to theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily My ex husband XXXX XXXX currently lives at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family He moved from this address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family Please remove these addresses from my report as i have never lived at any one of these. Thank you
We had an insurance claim on our primary home, nationstar mortgage now known as Mr. Cooper has been managing our claim funds of over {$100000.00} for over two years now. They have been extremely difficult and at many times delayed the disbursement of funds which has also delayed the reconstructions of our home. This company caused us incur extra expenses which they have not reimbursed us for yet. This is our second time complaining about this company to your office. Our main issue now is the remaining of the escrow funds left from our insurance claim has been sitting in their " escrow/loss draft '' department for months, after our several attempts in getting Mr. Cooper to apply those remaining funds into the principal of our mortgage loan. We have called multiple times and have spoke to their loss draft department which are in charge of our insurance claim funds and we explained the reconstruction of our home has been completed for quite a while and we specifically asked them to please apply the left over funds of over {$8000.00} into the principal balance of the mortgage loan. At one point we were told this would be completed within 5 days. We called six week later as this was still not completed, we spoke to the same gentleman XXXX in loss draft department and he gave us unreasonable excuses as to why this was not done. He promised to call us back in a week and as of today it has been over 4 weeks since our last conversation with him. We ask that Mr. Cooper provide us with a detail report of all the funds to our insurance claim and to apply all left over funds into the principal balance of our mortgage as previously requested. We are extremely upset with this servicing company on how they have handled our claim funds. Even after two years since our claim, they continue to delay disbursement of our funds even when we simply ask to apply them towards our principal balance. My husband and I want your office to review in detail how these funds have been handled as we are afraid they have mismanaged our funds. This servicing company should not be allowed to handle insurance claim funds.
I have made payments on this loan in the amounts shown on the payment coupons and statements. Sierra Pacific has not applied the funds to the loan and are now charging me interest and penalties and are threatening foreclosure. They have done this in the past and I am always wondering how many innocent people they actually cheat and steal from. How can they still be in business. They have done this to me 2 times.
I received a bill 8 months after a service was rendered from XXXX XXXX XXXX XXXX, in XXXX XXXX, TX, for {$850.00}. I had contacted them in early XX/XX/XXXX to assist in saving 2 dogs from a shelter ( a site on XXXX to rescue animals ). I agreed to pay a fee of {$200.00} to shelter and return to health these 2 dogs. The first dog was released within a few days but the other dog had XXXX XXXX, which required a 2-3 week board. The 2nd dog was released, transported to me in VA and I fostered them until they were placed in their forever homes. I moved back to my home in ME and didn't hear anything else and assumed the debt was paid in full as a joint rescue mission. Until, I received this startling debt. The invoice indicated the amounts were charged to me in XX/XX/XXXX, months after the services were rendered, 5 months after the dogs had been placed in new  homes. The amount was staggering for boarding of mainly 1 dog. I contested this bill, noting that I had agreed to a {$200.00} debt, which I paid up-front, that I assumed the debt was a joint charity effort in rescuing these dogs and that I was also not in a position to pay such a fee at that time ( unemployed during the 2nd half of XX/XX/XXXX ). 
No response. 
Then, a bill from Capital Accounts shows up to my home in ME with the full amount due on XX/XX/XXXX and I promptly write to them with the same explanation, even offering to pay {$100.00} as a means to settle this unreasonable debt. I sent this letter in the U.S. Postal mail AND I uploaded it on their mysteriously, unfriendly website. 

I did not receive any response from Capital Accounts to my letter. I do however. receive a letter from them on XX/XX/XXXX advising me of the following, " you have not made satisfactory payment arrangements to pay this delinquent debt and XXXX XXXX XXXX XXXX has authorized us to report this unpaid collection account to the national credit bureaus '', which a day later they reported this debt to two national credit bureaus. 

Please help me to get this debt removed from my credit report and force this debt collector to better communicate and work towards resolve of each individual.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... " promptly delete all information that can not be verified '' that I have disputed. Please resolve this matter as soon as possible.
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with GE Retail Bank ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against GE Retail Bank ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us  here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my Lowe 's and my HH Gregg remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but GE Retail failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of  consumers GE Retail ( XXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as GE Retail is up to it's old tricks. The accounts have reappeared as XXXX XXXX and Synchrony Lowe 's. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop GE Retail Bank ( XXXX XXXX ). My family and I only have our credit which has been ruined by GE Retail refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that GE is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that GE Retail is following through on the Court Order?
I applied for a credit card. It was denied. Transunion score - XXXX. I have another score for Transunion of XXXX. XXXX - poor - XXXX - fair. The other two agencies XXXX  and XXXX are in the XXXX range. My score has been going up steadily in the last year except for the XXXX score which has not changed. I called Transunion but got no answer on this matter. Thank You. 
XXXX Credit Card. XX/XX/2018.
XXXX keeps calling me even after I have asked them to stop on a recorded line. Furthermore, they will not give me access to my online account so that I may pay my bill. The access issue, as I 'm a  XXXX citizen has caused my account to go past due. Due to the late mark, I am now unable to finance my medical needs. I am requesting that XXXX removes the negative mark and accept payment for the account, but to please give me online access so that I may make the payment. XXXX XXXX 's offshore agents have been less than helpful and seem to have limited access to any helpful information and are hard to understand. Please communicate by mail only. RE : Account ending in XXXX
I have a {$70000.00} loan with Navient, on which I have been paying for over 10 years. In XX/XX/XXXX, I was diagnosed with XXXX XXXX   XXXX and began XXXX treatment, which continues to this day. I am additonally awaiting word on a XXXX XXXX XXXX, which I hope to get soon. Because of the above, I had to stop working and am XXXX  XXXX. Navient has a XXXX XXXX XXXX form which my doctor completed and he estimates that it will be up to three ( 3 ) years before I can even consider working, and that is contingent on the success of the XXXX. Based on my doctor 's certification of the above facts, another student loan I had with the US Department of Education was discharged. 

I've provide complete documentation to Navient and I feel that they are trying to deny my request ( they did so this week on the grounds that they don't believe that I am XXXX ). Every word of the above is fully documented and I have downloaded the XXXX XXXX  XXXX XXXX form and supporting materials on this site.. 

Please help.
in XX/XX/XXXX I knew I would have to be selling the home Husband had passed and I just couldn't afford anymore. they were to take the impound balance and add to the XXXX principal interest payment and stop my impounds per my request this was requested in XXXX for the XXXX payment and again in XXXX, the XXXX phone call end of the month they said I must fax in request so I did. at the time the impound balance in XXXX was XXXX or around there I didn't keep notes because I didn't think necessary but now I have been since they messed up in XXXX. 
I faxed in the request told to me in XXXX but not mentioned in XXXX attached is fax confirmation and letter. on XXXX they sent a pay off demand to escrow to pay off the loan house didn't sell until XX/XX/XXXX the could have amended if needed be they didn't to that. late XXXX received letter XXXX demanding pay off short and I called them that Monday XXXX spoke with XXXX who said they had enough funds to cover all and we still have impound balance I said ok and let go. 
Note : they were trying to say on an unpaid balance after impound account was credited if they were wrong I would be charged XXXX per DIEM on XXXX principal balance. XXXX said it was all an error this conversation is recorded and his ID number is XXXX. 
So I thought it was all resolved on XXXX I received a letter dated XX/XX/XXXX That stated XXXX was wrong and even again if he was wrong you should first credit the pay off amount. then impound account and then I I owe anything I should have been charged that balance plus interest at XXXX ( Note amount on the principal of approx. XXXX balance after all credits but instead they are still trying to charge me interest at XXXX per diem so since XXXX they say I still owe in excess of XXXX see all attached pay off demand, closing statement and letter confirming receipt of no impounds on XXXX letter stating all resolved on XXXX demands for XXXX per diem interst on a balance XXXX at most but should be zero and I should be getting impound account back.
I have been an account holder of Citibank for 13 years. I never missed a payment, used my bill pay & checking account regularly. 
Last XXXX XXXX, 2016, I took advantage of their special promotion. Their promotion indicated that if you open a new account and deposit {$15000.00} leave the money with them for 3 months, you will be given a credit amounting to {$400.00}. 
I did just that. I went to the bank ( XXXX XXXX XXXX, XXXX, CA XXXX ) on a Saturday, XXXX XXXX. I was made to wait for XXXX long hours since there was only XXXX bank officer who was handling client inquiries other than withdrawal & deposits. The bank officer took the flyer I brought, read the details of the promotion and he took note of the promo code pertaining the promotion. After a new account was successfully opened by the officer, he instructed me to deposit the money to XXXX of the tellers. I was assured that {$400.00} will be credited to my account after 90 days, as long as the money I deposited remains intact and untouched, it should all be good. 
I visited the branch on XXXX XXXX, 2016 to follow up. I was told that there was a problem on my account and it would be elevated to the manager of the bank. Since XXXX until today, XXXX XXXX - I have called and made numerous follow-ups with the bank and the XXXX number, only to be told by the bank manager herself, and multiple customer service representatives, that I was " ineligible '' to receive the promotional credit since it was only offered to NEW account holders. 
Personally, I feel misled by their FALSE ADVERTISING. After they took & held my money for FOUR MONTHS, they would only tell me NOW that I can not be given the {$400.00} credit simply because I am ineligible for that promotion? They were well aware that I am a current account holder with multiple active accounts with their bank. They should have denied opening a new account for me if they deemed I was ineligible WHILE I was there on XXXX XXXX! It was their mistake, why ca n't they rectify the problem they created? My experience with this branch was a classic SWITCH AND BAIT with Citibank. 
I would be very careful dealing this branch. 
Because of this extremely bad experience with them, I have decided to close my account and put my money elsewhere, where I would be treated FAIRLY and appreciated, after many years of loyal banking with them. 
It is so ironic they are aggressive in getting new account holders to bank with them but they ca n't salvage the old, faithful ones that have stuck with them all through the years. So I guess this is what I get for being their LOYAL and active account holder of 13 years, being completely screwed up.
I have been paying SallieMae ever since my forbearance ended in XX/XX/XXXX. It started out with {$720.00} from XX/XX/XXXX to XX/XX/XXXX 
In XX/XX/XXXX, I successfully paid off XXXX of my XXXX loans. That brought my new monthly payment down to {$670.00}. As a result, I began paying this {$670.00} in XX/XX/XXXX. 
Never has Sallie Mae put in any hidden fees I knew nothing about. Never have they adjusted anything. 
Then in XX/XX/XXXX, I saw that i had to pay XXXX, I did n't look into it, I figured that it was n't a big difference from {$670.00}. I continued paying this new {$670.00} from XX/XX/XXXX, when it began, to XX/XX/XXXX. 
On XX/XX/XXXX, it raised to {$680.00}. I paid it and now i see it again, {$680.00} for XX/XX/XXXX. I am worried that it will raise again. So i decided to check over my online statements, I had no late fees and NO explanations in the calculation. 
I decided to call and inquire. I ended up speaking to a rep named XXXX at XXXX on XX/XX/XXXX and he said " based on the economy, your loan interest can increase ''. 
Now, I do n't trust SallieMae, it is bad enough that I pay as much as I do and I can not do anything about it. But I would like further investigation. The last thing I need is to get screwed over by these criminals. I do not see why I have to pay for the economy. As far as I know, the economy fluctuates as it always does. My payments have never ever decreased, but all of a sudden they increase it. This simply does not sit well with me.
On XX/XX/XXXX, Experian added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XX/XX/XXXX and the loan officer informed me. The collection agency, XXXX XXXX XXXX, is claiming I owe them {$660.00} for an unresolved medical debt. I have no unresolved medical debt and this collection agency has been reported to the Better Business Bureau for being unable to provide documentation validating debts they have reported. The XXXX XXXX XXXX website claims that they notify consumers prior to reporting the collection, which is false. I contacted the agency to try and resolve the collection and they advised me that they did not have my personal information on file including my address ( how would they have notified me? ). The agency states that they have to submit a request to their corporate office in order to have the collection deleted but state that it takes 3-4 weeks and the debt must be paid FIRST. The representative stated that they could not provide any immediate documentation of the collection being paid. Despite having limited information on the collection, they strongly encouraged my submitting a payment to resolve the debt over the phone and continued to insist on needing other personal information. This office is conveniently located in XXXX, near my residence, despite allegedly being a debt owed in XXXX. Experian made no attempt to validate the collection or collection agency information prior to adding it to my credit report. I have been informed that my personal data was compromised in the XX/XX/XXXX XXXX data breach. Coincidentally, two suspicious collection accounts were reported in XX/XX/XXXX. I contacted Experian to try and resolve the issue. The customer service representative I spoke to advised me that even if I were to pay off the fraudulent debt, that was most likely the result of the breach, but the collection would remain on my credit report for 7 years. 

Despite filing a dispute to try and resolve the issue, my loan officer has advised me that my current credit report does not reflect said dispute. The collection is a scam and it has caused my credit score to drop immensely putting my attempt at being approved for a mortgage in serious jeopardy.
Complaint filed with Consumer Financial Protect Agency on their website on XXXX https : //help.consumerfinance.gov/app/creditreporting/ask On XXXX I sent a certified letter to Equifax disputing XXXX Acc # XXXX and Bankruptcy # XXXX. On XXXX I sent another letter stating that I previously sent y a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. Then on XXXX I sent a 3rd letter stating : " '' Why do you continue to send back a response that says, " Previously investigated ''? You continue to list items that are not mine and you expect me to prove these are inaccurate. You are reporting my sensitive financial information incorrectly and I demand that they be corrected immediately. You are required by law to provide me verifiable proof '' ( Section 611 ) of the accounts you list. I realize your incomes are derived from the sale of informational lists and keeping derogatory information on the report to look good to the creditors. I demand that these accounts be deleted or verified with my original documentation provided to me immediately or I will file a formal complaint to the Attorney General 's office and the FTC. '' '' As of today, I still have not received any viable proof from Equifax regarding these accounts and after checking my credit report today, I saw that after 6 months they still have NOT removed this item. 

They did ; however, remove XXXX open revolving credit card accounts that are in good standing with XXXX that I never asked them to investigate, dropping my credit score by XXXX points. I demand these items be reinstated on my credit report The third issue with Equifax is that they removed an item previously disputed " Bankruptcy # XXXX '' '' in XXXX after my second letter, and then re-inserted into my credit file on XXXX. They are required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. This item must be deleted immediately. ''
XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). Fo r some reason there was an eviction placed on my credit report and I have no legal ties to the home.