WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2013, Residential Credit Solutions took over my mortgage from XXXX. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have even made a complaint with the XXXX. The company 's website does not allow me to pay the extra principle without incurring additional fees. When the company does respond to my written complaints, it takes them nearly two months to respond. This nightmare has been going on for more than two years. I have kept all of my correspondence with this company and I have scanned all the checks and letters that I have sent them. I would like some one with authority to end this company 's abusive and endless tactics.
Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
XXXX   XXXX   XXXX  has reported on my credit report for  XXXX  that I had  3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the  bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the   XXXX   XXXX    XXXX  numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the   XXXX   XXXX     XXXX  has the wrong infor mation on my payment, balance last payments amount made  & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the   problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting  XXXX   XXXX   XXXX  Address   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blank  )  & Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accou nt s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. )  Please Mail this information ASAP
After dispute with credit report agency gave me no initial explanation to why I could not view my credit report online.
Since XX/XX/XXXX, I faxed, emailed, upload documentation on Experian 's website proving that XXXX XXXX was paid in full. XXXX XXXX has contacted Experian directly, and Experian still refuses to remove the incorrect information. XXXX  and XXXX have updated my file with the correct information from XXXX. Experian refuses to do so. I disputed this back in XX/XX/XXXX and they refused to correct my file. Today XX/XX/XXXX, I went online and did another dispute 19 minutes after I submitted, I receive an email from Experian stating that my dispute was completed and updated. I logged in and nothing was changed nor updated. The same incorrect information is showing. Here is the report number:XXXX. There is no way that they researched my dispute in 19 minutes. I have proof that this account is Paid In Full since XX/XX/XXXX. Experian is the only credit reporting agency that is not doing their job.
I have a Barclays MasterCard that I use for balance transfers to manage some debt. I previously had two 0 % promotional offers from there, and all was recently. Recently I made two more balance transfers at a promotional rate of 0 % online. When I received my recent bill though, the past two transfers were at their standard 18 % interest rate. I clearly would never accept these terms. I have other credit card transfers I could use, but chose Barclay because I liked their promotional terms. But they now say there were no promotional terms. Unfortunately I did this all online and have no evidence of these terms. I talked with three people at Barclays, and an online chat. All said the offers were never there, and nobody offered to have moderate the terms or offer anything to me. They accused me of not being honest. But I've managed debt this way for years, and know the ins and outs of these types of deals very well. I'm not wreckless nor in error here. The offers were there and they refuse to honor the terms. 



. However on my last statement, they show up at 18 %. This is totally incorrect ; I used the online promotional transfer option as I had done before. I need for you to correct your system so that I'm not paying a ridiculous interest rate
Hi Ive been a XXXX bank customer for about a year now with a XXXX  credit card. I currently have a payment due of {$100.00} since I had missed a months payment. Today ALONE I have received 3 phone calls and I am in XXXX so its only XXXX XXXX!!!! They call from a bunch of different phone numbers and the past few days theyve been calling from an unknown number and they refuse to tell me who they are until I confirm that I am who I say I am which Im not comfortable giving my info over the phone until I know who Im speaking to. Theyve called me two days before my payment is even due to remind me. I feel like Im dealing with the mob. My credit card is not in collections so to be HARRASSED from XXXX until XXXX XXXX   over {$100.00} is absolutely obscene. Yesterday was 8 phone calls and Majority of the time the person on the phone is nasty and Im at the point where Im going to cancel the card so I dont have to deal with the harassment anymore. Its affecting my quality of life being tortured by a credit card company. My limit is {$500.00} so I can only imagine how they harass people who have much higher limits.
Transunion Credit report # XXXX : The nbr of inquiries on my credit report is wrong. Transunion said I was unable to file a dispute on the nbr of inquiries. I tried online and I tried phone calls. I applied for and received a car loan last XXXX. I talked with XXXX dealer, whom shotgunned out my credit inquiry within a XXXX day period. That should have counted as XXXX inquiry and not XXXX. I currently have XXXX inquiries which is hurting my score and I should only have XXXX. All the other credit reporting agencies have the correct amount. 

I dont understand how Transunion can play by different rules than the other credit unions. Please help. They refuse to help.
I put correct information to obtain my XXXX credit reports online, and ca n't obtain any of them. I wonder if this is because I lost my wallet in XXXX XXXX, Florida in XX/XX/2016.
Bill was received for a test or lab work that I never took part in. I notified debt collector ( Financial Recoveries, XXXX New Jersey ) within 30 days that I disputed the debt. I asked them for proof of medical tests performed. They did not provide that proof, instead mailed me a print out of medical codes from a screen on their computer. In less than 30 days of the debt collector sending me the first letter they had already reported it to credit companies. ( Letter mailed to me XXXX/XXXX/2015 late charge filed on my FICO score XXXX/XXXX/2015 ). 

The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran, and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens, they never attempted to collect the debt again. So I was left to believe my letter disputing the debt must have proven to them that it was invalid and they dropped the claim. 

I am just a hard working individual that pays what he owes in life. If this was a valid debt I would have most certainly paid it. This is unbelievable. 

I have medical insurance and my deductible had already been met for the year. My insurance company was confused to this bill when I contacted them as well.
I am going to start by saying that it is disheartening to me that in order to receive any sort of response or corrective action from my Mortgage company I need to file a complaint with the CFPB. 
XXXX, XXXX and XXXX of 2017 I was approved for a modification from my mortgage company and at that time they locked my account so I couldn't make a payment online. I needed to mail in checks. My modification was approved in XXXX of 2017 and back to normal in XXXX of 2017 since then I have had no online access. Each time I attempt to access my account I get user name or password incorrect. I have changed both numerous times. 

I called Freedom maybe in XXXX of 2017 to find out why this was happening and the person I spoke with said they would delete my account and I would have to re-activate it, which I did and that still didn't work. I asked her if I could talk with their tech department and I was told " we don't have one ". I tried again in XXXX, no luck and in XXXX still no luck so I called back and this time I was told they were going to open a ticket with the tech department. ( I knew they had one! this just goes to show much misinformation is given to customers when calling Freedom ) It is now XX/XX/XXXX I still can not access my account online and when I call to check the status they say we see a ticket open with our tech department keep trying. 

I honestly feel that Freedom mortgage makes a living off of unfair and deceptive practices and skirts the rules because they deal with FHA loans. I truly and honestly feel that they are in violation of UDAAP. Most people who have an FHA have had or are having money issues and are at the mercy of Freedom. Freedom is notoriously wrong to providing misinformation to customers and gets away with it. I in fact almost lost my house because of misinformation and the response I received was " we apologize for the misinformation ''
I purchased a car fro m Mike Carlson Motor Company ( MCMC ) i n   XX/XX/XXXX   The loan for the car says 60 months. My credit report shows that the account with MCMC was closed and paid in full in  XX/XX/XXXX  This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named  XXXX . I asked who reports to the credit bureau and I was initially told by the general manager that  XXXX  does, but  MCMC  is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX  The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that MCMC does because they service my account and  XXXX  is just a lender. I have asked  MCMC  for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the  one  I was speaking to. I again asked for information on  XXXX  so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is  XXXX . MCMC has not reported to credit bureaus about my account since  XX/XX/XXXX . My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
On XX/XX/2019, I received my credit report and notice multiple hard inquires on my report. I called the companies for letter of deletion but they told me to dispute with credit bureaus is my only option. So I called Transunion to dispute them and they told me to call the companies again and get a letter of deletion and an authorize letter. I feel that they both are giving me the run around. Below I am attaching an attachment of all inquires that I wish to be removed.
Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.
Going through a divorce, my ex and I were unable to pay the mortgage for a few months. The house was sold in XXXX 2010 ( NOT A SHORT SALE ) and the mortgage was paid to Citimortgage PAID IN FULL. After the sale of the house, the law firm handling this case reported the pre-forclosure to the credit bureaus and do n't understand how a mortgage that was paid in full can go to foreclosure. I did not own this house at the time of the filing. CitiMortgage had an moral obligation to discuss the lawyer which they did not. In addition, Citi was part of a class action suit at this time regarding DEFICIENT MORTGAGE SERVICING.
On the date of XX/XX/XXXX, I sent XXXX XXXX XXXX certified mailing requesting validation under FDCPA, XXXX XXXX XXXX Sec. XXXX XXXX b ) of a debt they bought from XXXX XXXX. 

Documents I requested included Letter of Sale or Assignment from the original creditor to XXXX and proof of licensing to collect on a debt in the state of Alabama, and requested that the debt be labeled as " disputed '' with each of the credit bureaus being reported to, all of which the company failed to provide and do in their responding mailing to me. 

Before reaching out to XXXX XXXX XXXX, I found the Secretary of XXXX has the company listed as " Dissolved '' as of XX/XX/XXXX, making it illegal to due business in the state of Alabama. 

Upon contacting the company, I was informed by a representative, who placed me on hold to speak with his XXXX, that they in fact did not have to provide me with a XXXX of XXXX or XXXX, nor their licensing status.
There is a great discrepancy on month to month principal payments even though I have a fixed rate mortgage. When I asked about this they told me that it is because of per diem interest. This has been going on for years now and I do understand per diem interest but there are times the difference is several hundred dollars. They have not been helpful in providing documentation of any of this. I had to formally request an amortization schedule moving forward that does appear to be accurate how
Hello. I received an unauthorized inquire form XXXX XXXX on XX/XX/2018. As soon as I saw the alert, I called XXXX and they stated that they would send a form to Transunion to have it deleted. I contacted XXXX XXXX again on XX/XX/2018 because the fraudulent inquiry was not removed. They said it would take up to 120 days. I called XXXX XXXX in XXXX and they stated they sent the forms to Transunion to have the fraudulent inquiry removed. I called Transunion and they said they do not have them.. I called Transunion again the week of XX/XX/2018 and stated they still had received nothing. I called XXXX XXXX again the same day and they said it was sent twice to Transunion to have the fraudulent inquiry removed. I decided to wait another week or so. I called Transunion again today, XX/XX/2018 and the representative said they are opening up a " dispute '' case and they have some information about the fraudulent inquiry in their notes. I am still not sure if they have the actual paperwork from XXXX XXXX or not. This is not a dispute case. I would never apply for a XXXX XXXX phone. Ever. I am in the process of fixing my credit and this is a huge disappointment and set back. I asked the representative at Transunion why is it an investigation? XXXX has already done that. You are just supposed to delete it according to XXXX XXXX Fraud Department. His only answer was to wait for a response in the mail in 2 weeks. I need to know if XXXX actuall sent any information about removing the inquire to Transunion and if Transunion actually has it. I also am requesting for that fraudulent inquiry to be deleted not investigated a second time. XXXX said it was an application done online. Both XXXX and Transunion have my mailing address and I know it is not the one on that fraudulent application.
I was advised by the credit card company in XXXX, XXXX that my card had been compromised and they cancelled that card and reissued a new card. Statement for XXXX shows charges and refund amounts. There were XXXX charges no refunded for a total of XXXX that were charged on XXXX XXXX. I called the credit card company and they told me to wait a little longer. In XXXX, I send a letter to Synchrony Bank Legal Dept about the XXXX charges. I received a letter back to wait XXXX to 8 weeks again. Neither of the charges were removed. In XXXX, XXXX, I sent another letter and received the same form letter back from them.. Nothing has been done yet. Charges were to XXXX for {$410.00} and to Lowes for {$210.00}. I have been paying interest on this amount for some time as I did not want to pay for amounts I did not charge.
Originally this loan was with XXXX. Without notice, the loan was transferred to LoanCare. It was until XX/XX/XXXX that the homeowner received an invoice from LoanCare that we knew the loan had a new servicer. In XX/XX/XXXX we contacted LoanCare and we were informed that the loan was still in the loading stage and that the full features for this loan were n't ready. We did inform LoanCare that we had been previously working with XXXX on a short sale and that all documents were submitted to them. When asked if we needed to resubmit the answer was no since all documents associated with that loan will be available once the loan was fully loaded in the system. In XX/XX/XXXX we contacted LoanCare and was informed that there was no update. In XX/XX/XXXX called again to follow up on the short sale and was informed that a new package needed to be submitted and that there was a sale date of XX/XX/XXXX. Immediately we email the short sale package as requested. For several weeks we are given the email and fax number to submit the short sale package and every time we submit the lender does n't receive. Again and again, the lender 's response is we have n't received it resent and are not given other alternatives to providing these documents. When we requested the sale date to be postponed we were informed that they needed to have the short sale package within 30 days of sale date. We have been trying for over 30 days to get the full package to them. Furthermore, when we called we were informed by LoanCare that this was not their decision to make on this file, to contact the Foreclosure Attorney. When we contact the foreclosure attorney, the Attorney states it is up to LoanCare to provide the instructions of whether or not to postponed. Also, when we requested an escalation and for management to assist in this transaction we were only referred to the loss mitigation department. This homeowner is requesting assistance for the first time to avoid foreclosure. She did the right thing by hiring us a professional Realtor to short sale her home the moment she knew she could n't afford to keep it. She did n't wait months and months. The only thing she is requesting is assistance from his servicer to allow her to short sale her home in an effort to avoid foreclosure. The lack of efficiency of a servicer should n't be allowed to be an excuse for this honest homeowner to lose her home through foreclosure. As I am writing this complaint, I called Loancare for a last attempt to get answers and their answer was the same. You need to contact the foreclosure attorney, to which I responded, They have told us they do n't make the decision. I was then placed on HOLD and after 18 minutes of holding there is no resolution. Please help me avoid foreclosure. I have gone through all the correct venues to work directly with the lender without a resolution.
I have disputed this account with the Credit Bureaus as well as Credit Bureau of Jonesboro Collection. I disputed this account with this company on 2 occasions ( see attached letters certified return receipt documents ) and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letter and seeking validation of the accounts they were listing on my credit report. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate, the statute of limitations has expired and it is not verifiable ; therefore, these items should be deleted from my report immediately.
I 've disputed with all XXXX major reporting credit bureaus ( Equifax, XXXX, XXXX ) .I 've submitted XXXX different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.
Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.
Navient overcharged the interest rate for the year. The interest paid was well above prior years despite a lower balance.
I applied for a loan with Security Finance in XX/XX/2018, in which I fell behind on payments. Since I have not applied for any credit or submitted any applications, nor have I gave them permission and the company has had 7 hard inquiries on my credit report. According to the FCRA : Even though your employer, creditor, or landlord might be allowed to pull your credit report, they must still have a permissible purpose to do so. If someone pulls your credit report for an impermissible purpose, then it may be a violation of the FCRA.
I called SENECA Mortgage Servicing at XXXX. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer?