WillisBack/dataset-financial-user-claim huggingface dataset:
In the last XXXX months, Nationstar has incorrectly applied 2 of my 4 mortgage payments. Instead of applying my payments as directed, they have simply taken the whole amount and applied to principal only, essentially forcing me to make a secondary mortgage payment for the SAME month. The first time this happened was for the XXXX XXXX payment. I paid it early, XX/XX/XXXX, in an attempt to budget for XXXX, holidays, etc. Upon discovering it, I believed that somehow it was my mistake and that I paid XXXX XXXX 's payment too early ( i.e. in XXXX instead of XX/XX/XXXX ) so I did not investigate the matter further at that time. However, this has happened again for the XXXX XXXX payment. On XXXX XXXX XXXX, I paid XXXX XXXX payment which was processed correctly. Per statement dated XXXX XXXX the next payment was due on XXXX XXXX XXXX. On XXXX XXXX XXXX, I paid XXXX XXXX payment. This payment was not applied as directed. On XXXX XXXX XXXX, I was attempting to pay XXXX XXXX payment but discovered that according to Nationstar my XXXX payment was outstanding and overdue. Therefore my intended XXXX XXXX XXXX payment was accepted and applied to XXXX XXXX, i.e. Nationstar demanded payment for XXXX XXXX XXXX mortgage in XXXX consecutive month statements. This is an unacceptable violation of the Homeowners Protection Act to be billed TWICE. I have all the back-up for the statement dates and the payment allocations which were not done as indicated. There is absolutely no mistake on what I was making payment for or where I was allocating the monies so their practices are deceptive and fraudulent. It appears as though Nationstar is illegally trying to effect payment default on my loan to begin loan modification processes. I have contacted Nationstar, specifically XXXX XXXX, to correct the matter but to date, they have refused to comply and also refused to provide information of Department Manager so that I may escalate the urgent matter.
I wanted to get a full refund on a payment I made in XX/XX/2018 for a service that was supposed to be delivered in XX/XX/2018. The service - air flight by XXXX  XXXX - was totally inadequate and not consistent with what I paid for. It also caused me loose money from my salaries as the changes that XXXX XXXX made just 10 hours in advance of my flight ( booked 4 months ago ) caused me to take an urgent dayoff from work. ( If I was informed about the changes earlier I would probably be able to schedule a different itinerary to avoid loosing money, but because of XXXX XXXX 's way of doing business I was not able to do so. ) I tried to request a full refund though Capital One 's dispute system ( as I used my Capital One 's credit card to book the service 4 months earlier. ) The system gave me a weird message ( see the attachment. ) I attempted to call Capital One 's customer service and they did not provide me with the way to file a dispute. I find that way of delivering customer service by Capital One unacceptable and thus I file this complaint. Here are more detail on the cause when I paid by my Capital One credit card but suffered a lot of loss &. With the Capital One 's credit card I paid for a certain type of an air tickets - with a pre-selected seats - in 4 months advance time ( XX/XX/2018. ) I selected my seats before paying. When 4 months later ( XX/XX/2018 ) I got ready for my flight and attempted to online check-in to my flight, about 10 hours in advance. XXXX  XXXX refused to check me in. Instead they informed me that my flight ( for the upcoming day ) changed. The changes XXXX  XXXX made for me included a 3 hour earlier flight than I had booked. XXXX Personally I had no choice to totally cancel the trip just a few hours before the start. ) That made me to urgently request a whole dayoff from my work for the next day ( I planned to work and take a flight after work. ) Thus XXXX   XXXX 's short term notice changes made me loose money ( in my salaries. ) Moreover, I was not able to pick up the desired and paid for seats ( as I did 4 months in advance ) because at a few hours in advance almost all seats there taken and I had no choice. I had to sit in between 2 other passengers in all 4 flights of my itinerary ... I found the way XXXX  XXXX delivers its service is unacceptable and invasive. As well as the Capital One 's customer service did not deliver to me what's promised.
I am not the XXXX XXXX they re looking for. they keep calling day and night XXXX days a week!
XXXX XXXX placed over {$700.00} into collections with Diversified Adjustment Service stating that I owed them money for wireless services. After speaking with the collection agency they indicated an address ( XXXX XXXX XXXX, CA ) that was used to establish services. I have NEVER lived at that address and it appears I have been a victim of identity theft. As a result the collection item has been placed on my credit for ALL three major credit bureaus. XXXX XXXX has refused to remove this item from my credit and has reported FALSE information. They have violated the FCRA/FDCA by sending this item into collections. 

Diversified Adjustment Service has continued to report this account on my credit and has violated the FCRA/FDCPA.
I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX  subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX -  was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )
There are inquiries that I did not authorized on my report. I called TransUnion and E-mail and sent letter to them. I gave them the police report number for the case. XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Below is information this is INCORRECT on my credit report. When I first moved back to FL XX/XX/XXXX I had signed up for XXXX XXXX for my TV, Phone and Internet. After having their HORRIFIC services for ONE week I called and cancelled, and asked that they come and REMOVE ALL THEIR EQUIPMENT, which they DID DO!!! However, they have harassed me for 4 YEARS about this so-called balance WHICH I DO NOT HAVE w/ them. I 've called, written & emailed them, as well as the Collection agency, but to NO AVAIL. I OWE XXXX {$0.00}, NEVER HAVE AND STILL DO NOT!!! The details of this ERRONEOUS REPORT are below. Please advise. 
Thank you. 
Last Reported XX/XX/XXXXCollection Agency XXXX Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
To whom it may concern, XXXX recent credit inquiries showed up on my Equifax credit report. Called the creditor, they said they did not pull my credit. Disputed online on Equifax, Finished in one day and stated nothing can be done because they are " factual record of file access ''. Called Equifax, refused to provide any proof of the inquiry except the creditor 's name which I knew already. 
Told Equifax that the creditor 's stated that they did not pull my credit and Equifax should investigate again. Nothing was done and Equifax insisted that the creditor needs to contact them over business line only in order to get this removed. I then mentioned the Fair credit reporting act that if the creditor does not provide information, it will be Equifax 's responsibility to get in contact with the creditor and If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Got no comment from the agent and still insisted that this is a legal issue and they ca n't say anything about, and insist to ask the creditor to call Equifax to get this removed. 
Refused to give me further help expect keep insisting to ask the creditor to call them over their business line which they refused to give me as well.
I have requested VALIDATION of debt from Santander Consumer USA via  letter. Letter was sent XX/XX/2018. Letter was received by Santander Consumer USA on XX/XX/2018. Tracking is attached. In response to my letter, Santander Consumer USA sent numerous documents but not one of them VALIDATED the debt in question. i have asked for agreements that granted them the ability to report negatively on my credit report and agreements that bear the signature on a binding contract, factual documentation and records. None of these requested documents have been provided. This debt reporting to my credit file is hurting me substantially and has cause me to be denied by several banks. I would like to have this issue resolved by having this derogatory and offensive account removed from my credit file with all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 14X ) stating that Nissan stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the truck nor the amount that they sold it for. The amount I owe should be less whatever they sold the truck for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately fifteen working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that does n't belong to me. Please govern yourselves accordingly.
I have been disputing this account and asking the company ( MACYS ) to provide verification that this debt belongs to me for over a year. This account is showing as a duplicate on my credit reports and has also been disputed with the credit bureaus multiple times. The last dispute was sent to fax number XXXX and by certified mail on XX/XX/2016. The company states they did n't receive it until XX/XX/XXXX. When I contacted the company the representatives that I have spoken with seem confused themselves and do n't understand why the account is still pending review status. I was told that I should contact XXXX and when I spoke to this agency they do not have an account in my name. I also was advised to submit another dispute to XXXX.
XXXX XXXX has been sending me numerous of email for a account that I had with my ex wife.. she had me apply for a loan and promise to pay it after the divorce this debt belongs to my ex wife and should not be on my credit report.. I tried explaining but they keep selling the balance to a debt collection
Applied for the loan remodification through the federal government waited never received any kind of information was informed that I needed to be two payments behind so I let those go. Still waited. Received denial for loan remodification. Then issued foreclosure sale date. They informed me total amount of loan was " accelerated '' and full payment was due. Excessive late fees and miscalculated amounts was added. My {$110000.00} loan was {$140000.00} due to save house. I asked for to date pay off amount, they questioned and I replied I would list house and sell. They got angry and stalled my payoff request. I called two days after got a payoff amount. Contacted realtor invested all my money and listed house for payoff amount plus {$7000.00}. Had 45 days to sheriffs sale. Secured buyer and contract. Set closing date on sale 1 day prior to sheriffs auction. That day of closing at XXXX XXXX. My realtor was informed at XXXX by KY HOUSING CORP. THAT THE SALE WAS NO GOOD NOT ENOUGH TO COVER MY DEBT. THEY ADDED MORE ATTORNEYFEES EXCESSIVE PENALTIES TO SECURE MY HOUSE. Va loan was a check to them as well as auction amount. They put me a military veteran on the street with 0 zero nothing and stole my home. I am not trash i put all i had. Nicest house on block. Sold with contract in 30 days. They new I did all remodification on property. They wanted me to suffer and get nothing. They are criminals destroyed my relationship, Credit, AND EMBARASSED ME IN FRONT OF MY CHILDREN AND GRANDCHILDREN. PLEASE GIVE ME JUSTICE. MY LOAN ON HOUSE WAS INFLATED WASN'T NOTIFIED TILL I HAD TO SIGN PAPERS. I MADE {$13.00} HE AND NO WAY I COULD SURVIVE A {$900.00} MORTGAGE PAYMENT FROM THE START. XXXX XXXX THEN SOLD TO KY. HOUSING WHO PUT ME OUT LIKE A DOG. I SERVED OVERSEAS AND MY VA DEPARTMENT HELPED ME NONE. THEY CUT A CHECK TO KY. HOUSING AND KY. HOUSING DOUBLE UP WITH AUCTION $ $ AT MY EXPENSE AND MY CREDIT WAS DESTROYED. MY XXXX XXXX XXXX SPOUSE IS HAVING XXXX XXXX XXXX FROM THE XXXX  NEXT WEEK. I AM BETTER OFF XXXX NOW. PLEASE GIVE ME JUSTICE. INVESTIGATE XXXX XXXX, EXCESSIVE FEES AND ACCELERATED LOAN AMOUNT, AND VA PAYMENT TO KY.HOUSING AND THE AUCTION ITSELF. THEY ALL DID ME ROTTEN AND I AM A FULL TIME EMPLOYED HOMELESS VETERAN WISHING I WAS XXXX. THANK YOU FOR YOUR TIME AND CONSIDERATION. XXXX XXXX XXXX XXXX
On XX/XX/18 this company signed for a certified return mail receipt for a dispute against this company. Tracking number is XXXX XXXX XXXX. Per The Fair Debt Collection and The Fair Credit Reporting Acts ( Section 807 ( 8 ) and 623 ( a ) ( 3 ) ; XXXX XXXX had 30 days to mark my account disputed, which they failed to do and it is a FEDERAL OFFENSE
I have been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.
I have been contacted on three occasions at work by IQ Data International. The third occasion was after I had already explained that I am not allowed to receive personal calls at work and that it was not the time to talk about this. The man yelled at me after I told him I can not talk about this now and said give me a number I can call you and what time I can reach you and said " do you want me to report that you do not want to pay this debt? If you do not pay this, it will ruin your credit ''.

Times/Dates they have called me at work : 1. XX/XX/XXXX XXXX XXXX : Spoke to my former coworker at my old work number. My coworker stated he was very aggressive and rude and asked to repeat the call back number and asked to know what time I would be calling back. This can jeopardize my employment as I am not allowed to take personal calls at work. 

2. XX/XX/XXXX XXXX XXXX Called by a man that spoke to my former coworker by a wireless caller, at XXXX, whom threatened to ruin my credit if I did not pay and kept harassing me about paying after I told them I can not talk about this at work. Also, they are trying to embarrass me by talking to my co-workers in a disrespectful tone and being aggressive. 

3. XX/XX/XXXX XXXX XXXX : Caller dialing from XXXX spoke to my current coworker and asked that she make sure that I return his call. My coworker requested several times what his name was and he refused and reluctantly gave the name " XXXX ''. This third attempt was after I asked not to be called at work and I am not allowed to receive personal calls at work.
I moved from XXXX XX/XX/XXXX to XXXX. I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX. I had all of my services turned off at my old residence in Alabama after moving XX/XX/XXXX. XX/XX/XXXX, I was contacted by a debt collection agency Transworld Systems , Inc. stating they purchased debt from XXXX XXXX XXXX in the amount of {$160.00} that was dated from XX/XX/XXXX until XX/XX/XXXX. I explained that I did not live there during that time, as I moved to XXXX. They were rude and continued to harass me stating that this is my debt and I was obligated to pay. They began to call my cell phone incessantly and then found my home phone number and began to do the same. When I continued to insist that I did not owe the debt, they stated if I could prove I did not owe it, they would stop harassing me. So, I sent them proof that I had services in XXXX in the form of a letter from XXXX noting when I started service in XXXX and when that service ended, i.e. XX/XX/XXXX until XX/XX/XXXX. I thought that would stop the harassment, but it has not. They are now sending me letters stating that I needed to settle a debt I do not owe. The letter indicates that they are monitoring my credit to see when an inquiry is made. The letter uses intimidation tactics and states, " We hope that you are now in a better position to pay the above account ( s ). ". I do n't owe money to XXXX XXXX XXXX or Transworld, and I am not obligated to pay for services I did not receive. They are invading my privacy and utilizing my personal identifying information unlawfully by monitoring my credit actions and possibly lowering my credit worthiness by suggesting I am severely delinquent for a debt I do not owe. Your assistance in this matter is greatly appreciated. Please see the attached documentation.
I am Contacting youll in need of desperate help.I recently just tried to get me a credit card through XXXX XXXX XXXX but I got denied because there are some credit cards open in my name which I have no knowledge of I am currently a victim of fraud since about XXXX or maybe even XXXX it started off when my mom got evicted and all of our stuff was locked In the house every since than my life has been a living XXXX I am a young mother trying to build credit so I can move further in life to better me and my child but there are so many things holding me back due to this fraudulent activity..The banks the company has notified me about are XXXX XXXX and XXXX I am so lost at this moment because I never even had a account XXXX  would have been my first step of bettering my credit! Im not sure what year these accounts were I just need answers and see how to keep moving forward
Each month I pay extra principle money towards my mortgage in an attempt to pay it off sooner. Well Fargo is continuing to apply my extra principle payment to future months, instead of towards principle. Clearly this benefits Wells Fargo as it hampers my attempt to pay extra towards current principle. 

I have other mortgages with other banks, and they do not do this. To me, this seems like a shady practice by Wells Fargo, as it hampers my attempt to pay extra towards current principle. 

I have had contacted Wells Fargo multiple times on this, and demanded that the default option for excess funds should be to reduce principle. I should not have to call in every month to get this taken care of, since Wells Fargo is choosing the option that benefits their bottom line.
In the fall of XX/XX/XXXX I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ; and per doctor 's order, I was ordered to rest at home for two weeks. I notified the school immediately and went home to XXXX to recuperate. The first week home I received a phone call and was told I could not return to the XXXX XXXX due to my missing two weeks of school. I offered to do any school work at home and was denied this opportunity. I literally begged to be able to do the class work from home but still denied. I asked for the loan disbursement of approximately {$6000.00} be returned to XXXX XXXX, my private loan lender at the time, and the XXXX XXXX refused. Over the years I have made occasional calls to XXXX XXXX, now XXXX, which were of no help to me. 

Since the XXXX XXXX of NY closed in XX/XX/XXXX, I was told to contact Dream Center Education Holdings ( parent company of XXXX of NY ) which I did. Again, no help to me. I was told to contact a CPA firm  in Pennsylvania who is handling the bankruptcy of Dream Center Ed. Holdings. Can someone please help me get this {$6000.00} loan discharged or forgiven?
The Revenue Group is constantly calling my cell phone, which is on the  Do  Not Call List. They call from a  XXXX   (  My caller ID indicates this number belongs to  XXXX   XXXX  ) but when I call it back, it rings into this debt collection company. I received a call from this number on     XX/XX/XXXX .      Today,   XXXX   ,  I received another call from The Revenue Group from phone number  XXXX .     This company has repeatedly called and now calling from fake numbers.     I want them to STOP all communications to me and my family.