WillisBack/dataset-financial-user-claim huggingface dataset:
I am with a mortgage company called greentree services. This company forces insurance on the buyer. If u do n't have house insurance, they will take it from your regular mortgage payment and then call you and tell you that you was short on your mortgage. They calls your job after hours forcing you to make payments and the 15 day grace period does n't even be over. The representative s are very rude and threatened foreclosure after being late a week. I have a fixed rate mortgage and they have went up on my house note at least XXXX bucks monthly. This company also forces escrow on the buyer even when you tell them you will rather pay your land taxes at the courthouse. If you send them a extra payment by just sending them a house payment earlier, they will apply it to the principal instead of the mortgage. So very tired of all this. XXXX rep even told me, if you ca n't afford the house, sell it but pay us when you do. I need help, fast.
I have submitted  XXXX  complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from (  XXXX  )  XXXX ,  (   XXXX   )   XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!
I made several payments for XX/XX/XXXX. My XX/XX/XXXXpayment ( that technically wasn't even due ) was paid ahead of due date and I decided to make 2 more extra payments. 
Since I couldn't make comments for online payments ... I sent one of the payments by mail along with a note. I specifically asked them to apply the payment directly to the Principal and not charge any finance charges. They charged me anyway. 
When I called ... they tried to tell me its all 'spelled out in the loan ' and that 'the earlier I make payments the less finance charges I had to pay '. ( So how come 4 extra payments in a month all had finance charges? ) I explained to him about the extra payments along with my letter that I had sent..and he told me again that its 'all spelled out in the loan '. 

He basically couldn't explain to me why I was charged .... 

Also ... looking through past payments and charges ... their 'daily ' finance fees are all over the board and make no sense at all.
Each month I receive my credit card statement I make a payment usually the minimum amount due and sometimes a little more. Once I make a payment the amount paid is reflected as my available credit plus any credit that has remained from the last statement. Example : I receive my statement and the minimum amount due is XXXX. I make the payment in the amount of XXXX dollars and my credit card account shows XXXX dollars available credit plus any existing available credit remaining from the last statement. The issue or concern I have is that when I receive a new statement I have a new minimum amount due and my available credit has been reduced subtracting interest that has accrued instead of the interest being calculated along with other transactions that would give me my monthly minimum amount due. It 's almost like I am being double billed. It is my understanding that the interest charges are calculated in the minimum amount due each month and the only time available credit would be reduced is when purchases are made.I do n't know any other bank or financial institution that reduces your available credit because of interest charges.
On XXXX/XXXX/2016 I received an alert that Transunion had decreased my scores by XXXX points. I called and spoke with them and they said that I had negative items an my report. I told him that these negative items carried zero balances and the only recent activity on my report was an inquiry and that did n't amount to a XXXX point decrease. They also removed an account earlier from my report that I 'm still making payments on. I have n't seen that account on my report since XXXX. Why would they remove accounts from report that is active and timely payments are being made on this account.
I am a   XXXX   and have been   XXXX   XXXX   in a low-income   XXXX   XXXX   continuously for the past 5 years, so I am now entitled to some   XXXX   loan forgiveness on my loans. I submitted the correct form to both Navient and my other loan lender  ( F ed  Loan Servicing   ) . Navient never e-mailed or called to let me know that they received my form ( on the other hand, Fed  Loan  did confirm with me  ).  It has been more than a month since I mailed my form in and Fed  Loan  has already responded to me with a decision about my loan. Navient has yet to contact me. I called to check on the status of my form submission to Navient ( on  XXXX  ) since the other lender had already processed the form completely. The customer representative at Navient then told me that my form had not been received yet, when I pressed several times and said that that was shocking given that I mailed the other company the same form at the same time and they had already processed it, finally the representative told me that they did in fact have the form submitted and that now it would take between 60 and 90 days to process it. The other lender processed the form in less than 30 days from the time they received it, so it seems VERY inefficient that Navient needs to take 60 - 90 days to process the same form. I need to submit additional paperwork to Fed  Loan  and they informed me that my loan would automatically still be deferred once they receive this paperwork while they process it. My loan is supposed to start repayment for Navient in 30 days, less than the  60 - 90  processing days they claim it takes to process the loan. So, I asked for that same deferral that the other lender offered  (  Navient did not offer this to me on their own, which seems crazy because if you did n't know that that was an option you might think you had to repay your loans when you did n't!  ).  When I asked for this, the customer representative from Navient then proceeded to ask me about my employment status, my marital status, my household income - questions that should not have been asked for the company to defer my loans because they were taking a long time to process a forgiveness form!
I am i victim of Identity theft and have inform these companies and also sent the necessary supporting documents and these inquiries are not being removed. 

I am not looking for credit nor have i applied to XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. on XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXXXX XXXX/ XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX/ XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please remove these inquiries and add the number XXXX as the number to contact before proceeding with any application.
Paid off my  America  eagle and   XXXX   XXXX   XXXX   XXXX   credit cards over  three  yrs, and it still showing up in my credit report.also someone is trying to get credit with my name
I recently applied for a XXXX XXXX XXXX/XXXX credit card and was approved. The card issuer is Commenity Capital Bank. On the XXXX XXXX website, and on the Commenity website where you can apply for a card, it was advertised that if you spend a certain amount either online or in a store, you will receive 0 % interest for a number of months depending on your purchase amount. I made a purchase online on X/XX/2017 in the amount of {$620.00}, which qualified me for 12 months 0 % financing if the balance is paid off within the time limit. On the XXXX XXXX website during the check out process, there was only the option to enter a credit card, and no way of being able to specify if you wanted to take advantage of a promotion. At this time, I assumed the promotion would take effect automatically, and followed the check out process as it was presented to me. Here I will note that when I received the credit card in the mail, the letter on which the card was attached also advertised this promotion if you made a purchase online or in store ( and a number of other stores that are owned by the same Corporation as XXXX XXXX ). I recently received my second statement from Commenity Capital Bank ( the card issuer ), and realized that I have been charge interest in the amount of {$12.00}. I called them on X/XX/2017 and was told that the store should have indicated that I wanted to use one of the promotions. I explained that I had made the purchase online and there was no option on the check out process to select a promotion. The person I spoke to said that there was. I checked at that time, and there is not an option. After several conversations, I was told the only resolution I have to file an official dispute with the credit card company to try and recoup my money and to be transferred to a promotional program. I am still working with the company to get this resolved. My complaint is in the advertising that Commenity Bank and XXXX XXXX use on their website and various other platforms that states you may participate in a promotional APR when you make a purchase ONLINE and in store. It became clear that they had no way of honoring a promotional balance if you make a purchase online, and automatically charge you interest. I do not know yet whether or not they will refund my interest charges and transfer me to a promotional program, I have to wait up to 60 days and continue to pay interest until they make a decision. My issue is with advertising and not honoring a promotion. Thank you.
I have a situation with a creditor who I believe is illegally re-aging a debt. The debt was originally with XXXX XXXX of NO, then was sold to XXXX XXXX XXXX. I'm not sure of the date that it originally went to collections, but it may have been as early as XX/XX/XXXX. I have never made any payments or promises to pay, but it was removed from my Transunion and XXXX credit reports, then put back on with a new account opened date of XX/XX/XXXX. I don't want the statute of limitations to start over, so could you help me correct this? Any help would be much appreciated. Thanks!
I obtained what was supposed to be an installmant loan through speedy cash on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about XXXX dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over XXXX XXXX dollars worth of payments overtime. About half way through i had logged intospeedy cash to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called speedy cash to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month speedy cash has had a collection agency ( XXXX XXXX XXXX XXXX ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional XXXX dollars.
Hi my name is XXXX XXXX. Recently my step dad had a XXXX   XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an XXXX XXXX XXXX ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ trans union and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/trans union/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...
Dispute to  XXXX    The terms proposed by Ocwen/ XXXX  are unacceptable and do not reflect the current market. Per my original CFPB complaint  XXXX , they also do not align with the policies and procedures as setforth by Dodd-Frank Wall  Street  Reform and the Consumer Protection Act. This is absolutely ridiculous that  XXXX  would wait this long ( since   XXXXXXX   ) to give the same offer ( {$40000.00}  Cash  Contribution or {$80000.00} promissory note ) and we up the sale price by {$22000.00}. Our counter offer needs to be discussed ASAP as we have a ratified contract and a buyer that has been patiently waiting. Can you setup a conference call with Ocwen/ XXXX , preferably with someone who has the authority to approve our counter offer on the spot? Do you have any suggestions how we can escalate this matter? What are our other options? I ca n't see how foreclosure would give Ocwen and   XXXX   a better deal. Thank you.
Back in 2016, I was contacted by Transworld regarding an emergency room bill they were assigned to collect. I agreed to settle the account and made payment to Transworld. No account from Transworld was reporting to my credit history at this time.

Later, I took a look at my XXXX credit report and saw that Transworld has been reporting the account as a collection account, even after I made payment. Their tradeline states paid in settlement but in the portion stating amount paid it is blank. My common sense would say they ( Transworld ) should at the minimum report how much was paid. 
I did dispute the accuracy of the information to XXXX XXXX, who stated they contacted Transworld and were informed to delete the entire account. So it is off one of my credit reports. However, when I made the same dispute to XXXX, XXXX   responded that Transworld reported back the information should remain unchanged on my credit history. I do not understand why Transworld would tell one credit bureau to delete an account and another to continue reporting it. It is not so much as reported as a disputed or contested account by Transworld.
The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors ' dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.
Started doing business with MMI in XX/XX/XXXX as a debt management program. They told me that my creditors agreed to stop reporting late payments to credit bureaus and that was false. Creditors were still reporting as late. I called and requested a refund for the monthly service fee due to the inaccuracies of their promises and they refused.
I assisted a client in obtaining a reverse mortgage XXXX years ago. XXXX was new at that time and my client was a few days late on a property tax payment due to life saving XXXX she was having so the lender at that time required her to have the XXXX account. She continued to pay her property taxes on time whereas the lender/servicer XXXX was late on her payments and just included the penalty from her funds. They also held {$60000.00} of her credit line funds in an account for future tax payments. We are attempting to refinance into a new reverse mortgage without the XXXX and XXXX is not going to refund the {$60000.00} of her funds back to her. They will not change the hecm to hecm worksheet therefore, the new lender will not make her a new loan. 

They ca n't just keep XXXX funds for no reason.
There were two balance transfer transactions on my account on  XXXX / XXXX /  XXXX   that I did not request. The amounts are {$4200.00}, and {$1000.00}. There balance transfer fee is {$150.00}.
On XX/XX/XXXX I made two purchases from XXXX XXXX XXXX, one for XXXX dollars and the other for XXXX. The one done for XXXX0 was a mistake done by XXXX XXXX XXXX. The representative said she will return the funds back to me. A week later she contacted me and stated the funds wasn't release to her, therefore she was unable to return the item at this moment. Another week has gone by, so I contact them ago and the funds has still yet to be release to them. XXXX, the sales rep at XXXX XXXX XXXX, told me to contact Capital One and do a dispute for the the XXXX dollars double charge onXX/XX/XXXX. I disputed this transaction and received a credit until the investigation was completely. OnXX/XX/XXXX I see a transaction refill for XXXX dollars. I contact XXXX XXXX XXXX to see if they have received the funds and they said NO!
I was denied credit on  XXXX / XXXX / XXXX  by  XXXX   XXXX   XXXX   XXXX  due to Bank of America reporting inaccurate information on my credit reports with  XXXX ,   XXXX   and  XXXX  credit bureaus.     Bank of America reported late mortgage payments for the months of  XXXX ,  XXXX ,  XXXX  of  XXXX  ( 60 days late ). I disputed this with the credit bureaus and they replied by stating that the information was verified as correct.     I supplied bank statement copies from my credit union to thes e (   XXXX   ) credit bureaus as well as to Bank of America ( complaint dept ) showing that these payments were  made within the months they were due. The transactions were ( ACH ) withdrawals by Bank of America out of my checking account. The dates and amo unt ( s ) were pr ovided on the statements and highlighted.     This incorrect information remains on my reports and I will continue to be denied credit for a new mortgage until it is corrected.     Thank you.    XXXX   XXXX   XXXX
I put in for a loan modification and it was denied, they stated I didnt provide proof of income, and the {$6800.00} was not enough to sustain a mortgage and they never received payment to show good faith.I dont even know how much to pay because they never told me. They said they sent letter.. which is not true. They told me to put a loan number on my moidification forms that was different from the loan number on there papers, when I asked about it they said that was the loan modiication number. while i waited for an answer on my modification my loan was transferred from XXXX to XXXX to XXXX back to XXXX and now they have it with a company called Rushmoore loan servicing which told me i needed to re submit all paper work because the other was out of date. Now they started foreclosure proceedings and I dont now what to do. I sent the documents to all these companies numerous times and every time they say im missing documents. I need Help I cant loose my home.
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with Transunion but did not get a response..They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
My account was repeatedly reported late while I was still in school and my loans were on deferment. My credit report reflects late payments.
I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.
To whom it may concern I have talked to the manager of the apartment of the situation that I have been in due to the loud noise of the people above me. 
Months and months before I decided to move out. I did come to the office to give my notice in advance and pay my due to the last day of staying. 
I didnt owe them anything The manager agreed to it. 
Please fix this problem and get it off my credit. 
I am trying to buy a house hope you understand Thank you
i have written both XXXX XXXX and JCP ( Jc Penny ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
EdFinancial reports as late items that date from 2005 or before, when I left the XXXX XXXX at XXXX XXXX. I have taken out NO loans since then. Further, EdFinancial used private lenders before XX/XX/XXXX so all accounts have aged out and should be removed. EdFinancial is reporting these as late, which has destroyed my credit payment history, which actually is impeccable. 
Ed Financial tried to-age these accounts, some of which date from XX/XX/XXXX, in XX/XX/XXXX, when I was working steadily. This is illegal but apparently a common practice of EdFinancial. 

Hence, EdFinancial is not only reporting very old information ( some more than 20 years old ) as current, but they are refusing to remove all edfinancial data from my credit reports at all 3 bureaus. Reporting accounts more than 7 years old is a FCRA violation, but as indicated, all items are from XX/XX/XXXX-XX/XX/XXXXand NO later. Anything else is an attempt to re-age old debts.
I'm disputing this charge because it does not belong to me and I never heard of this company.
I am disputing the late fees charge of XXXX}, which should have been removed when the XXXX XXXX grant was applied to your loan balance on XXXX/XXXX/XXXX. Please Review and Correct the problem. 
Investors Bank loan XXXX Thanks XXXX XXXX XXXX