WillisBack/dataset-financial-user-claim huggingface dataset:
During a recent credit inquiry it was brought to our attention that there is a discrepancy from the time our home loan/mortgage transferred service from XXXX to your organization SLS, in XX/XX/XXXX. According to the report, one payment is being reported from SLS as 60 days late ; however, this is not accurate and is unjustifiably creating a crippling effect on our credit score. 

We have provided documentation of our last ( XX/XX/XXXX ) statement from XXXX amount due was for XX/XX/XXXX payment. We were informed in XX/XX/XXXX that our servicer would be changing to SLS and that we would be contacted by them with further account and payment information. We spoke with a SLS representative XX/XX/XXXX, we were informed that our total amount due was {$940.00} and we made a payment via telephone at that time. We continued to make regular monthly payments to SLS in the amount of {$1000.00} from XX/XX/XXXX current ( XX/XX/XXXX ) documentation included. 

We have spoken to SLS representatives over the phone many of times regarding this discrepancy. After extensive wait times, often 15-20 minutes, disconnected calls, and being told the person/supervisor that can help you in not in/available, a representative from SLS has informed us that we were delinquent from  XXXX and that delinquency was transferred over to SLS.

We understand our mortgage servicer may change and we do not have control over this process. However, you SLS as the servicer, have a legal obligation to protect us as the consumer through this process. This trust has been fractured through the lack of communication you have been able to provide, despite our efforts to get this resolved in a timely manner.

Again, as you requested we have attached the last statement from XXXX in XX/XX/XXXX and payment documentation from XX/XX/XXXX-XX/XX/XXXX. In all of the correspondence we have had with SLS, not once were we notified of an outstanding balance or have been asked to make a payment more than our current monthly obligation.

This mistake during this transfer of lender service to SLS has caused a significant burden to our family and your actions through our initial encounters to discuss, review, and resolve this issue have been less than helpful.
I have reached out to PORTFOLIO RECOVERY asking for proof of this debt. I asked them to send me my signature from capital one that this debt is mined. PORTFOLIO RECOVERY refuses to do so. The only thing they will send me is an old credit card statement. THIS IS NOT verification. THEY are rude and will not send me what I'm asking for. I'm demanding they send me my signature asap or else send me a letter stating this account is not verified and remove IT ASAP of my credit report.
Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee.
I refinanced my home with Paramount Equity and used the money to pay my credit cards. Part of the requirement by underwriting to receive the loan I was told I had to close all of my accounts. I was also told to not pay any bills during the process of the paperwork. They had a third party person I had to contact so Paramount could verify I had closed my accounts. Today I found out that this process had ruined my credit rating and that this process was illegal. I am XXXX years old and I feel I have been taken advantage of illegally. The people I talked to today told me that this was the reason my credit score plummeted. He told me my score was under XXXX on XXXX score and the low XXXX on the other XXXX scores. He told me my credit score was near XXXX until this was done. Can I get some help.
Originally submitted loss mitigation application on XX/XX/XXXX. Was informed that paperwork was incomplete ( stated that the pay stub submitted for XX/XX/XXXX had been cut off and was not showing all of the deduction information ). Re-submitted XX/XX/XXXX paystub and XX/XX/XXXX paystub on XX/XX/XXXX. Also informed customer service that I was a XXXX and was paid only once a month. At that point, I was informed to re-submit the application, noting that I was a XXXX  on an 11 month contract. I re-submitted the application on XX/XX/XXXX and included XX/XX/XXXX pay stub in addition to XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the company for an update and was told that i needed to provide the correct tax form. I submitted the tax form on XX/XX/XXXX. I contacted the company for an update and was told once again that my pay stub was missing information. I informed the company that my pay stub was complete and that I explained to the customer service rep how to read my pay stub and where to find the info that was needed. The rep made a note in my file for the underwriter. The rep also informed me that I needed to submit a new paystub for the month. On XX/XX/XXXX, I submitted my pay stub for XX/XX/XXXX. I called a week later for an update and was informed that the pay stub was incomplete. I explained once again how to read my pay stub and was told that a note would be put in my file. On XX/XX/XXXX, I received a letter informing me of my denial with the reason being incomplete package. I called the company on XX/XX/XXXX and was told that the denial was due to my pay stub being incomplete. Once again ( for the third time ) I explained how to read my pay stub and informed the rep that I am only paid once a month. The rep put me on hold and came back to the phone to inform me that there was nothing she could do and that I would have to submit a new application and start the process over. A new application was emailed to me on XX/XX/XXXX.
Seterus overpaid my XXXX taxes by {$660.00}. My county tax office refunded the overpayment on XXXX XXXX. There was NO change in my XXXX tax rate from XXXX. 

Seterus increased my XXXX mortgage by {$69.00}. I called Seterus tax dept. on XXXX XXXX, and after an hour and a half of discussion with Seterus tax and customer service was assured they would correct their mistake in 7-10 days. They assured me my escrow would be adjusted to the correct taxes. They could not explain WHY they overpaid my taxes in the first place!! 

My XXXX mortgage bill came in {$55.00} higher than normal. I called Seterus again today and was told my taxes STILL show as {$1300.00} DESPITE the fact that they NEVER received a bill from my county tax department for {$1300.00} and when they paid {$1300.00} instead of the bill which was {$640.00} the county tax people refunded Seterus the {$660.00}  overpayment. 

After another hour and a half on the phone the customer services rep said she will resubmit what had already been submitted but I would have to pay the increased mortgage rate AGAIN in XXXX. So far Seterus has effectively extorted {$120.00}. For a person who is XXXX on a very limited income this is equivalent to attempting to price me out of my home. 

Seterus made the mistake. Seterus received a refund in XXXX for their mistake. Seterus is still demanding an unsubstantiated increased mortgage amount from me. Seterus is still stalling saying they have to start a process all over that they promised last month would be resolved. 

When Seterus received a check for {$660.00} in XXXX from the County Tax Department that should have triggered an escrow analysis. County tax departments do not just issues refunds. Instead they pocketed the money and increased my Mortgage! 

I want my {$120.00} back. I want them to get their act together and bill customers according to the actual escrow bills.
I paid off an old account around XX/XX/XXXX or XX/XX/XXXX of last year and I was told by two different XXXX reps that this account would be deleted from my credit reports. Well actually three because I asked the rep that took my payment just to make sure before paying. I contacted XXXX over a month ago to inquire about the account still being present on my credit reports and was transferred to someone, I believe in collections, and was told that XXXX doesn't delete but rather reports as paid in full. I did my part but they did not. I disputed this account and was told that it was accurate and would not be deleted but I provided the documentation of the conversation with one of the reps and still have not resolved this situation. My credit report list the XXXX XXXX XXXX as the collector but XXXX collected the payment from me and made the deal with me. I do not owe XXXX XXXX XXXX at all. I just want this to be resolved.
I receive credit monitoring free of charge from my bank. In reviewing my credit score, Experian lists reasons that help and hurt your credit score. While reviewing the reasons, I noticed that two of the reasons that help my score are also factors that hurt my score ( please see enclosed document. ) Given there is conflicting information, how is one to improve their score? This is confusing and can lead the consumer to make decisions that can negatively affect their score, while intending to improve their score. 
This seems very deceptive and unethical. 
Please help.
I had a student loan with XXXX that was sold to AES. Which is when my problems started. I was paying them consistently for a few years then around fall of 2015 I changed something with my bank and forget to set up the payments again. I started getting notifications in the mail and called to request a Forbearance on XXXX XXXX, 2015. The lady on the phone read me a bunch of information and said that I must agree to them then said I was approved for the forbearance. Then in early XXXX I started receiving more phone calls from AES. Today, XXXX XXXX I called AES to see why they are still harassing me. I spoke to XXXX in the Graduate and Professional Services within AES. XXXX said that my forbearance request was never approved or denied and that the person on the phone told me they would be sending me some forms to fill out and sign and that once it was sent out I would have 30 days to return it and then they would tell me if I was approved. I WAS NEVER TOLD ABOUT THIS LETTER TO BE SIGNED AND FILLED OUT AND I WAS TOLD ON XXXX XXXX THAT I WAS APPROVED FOR THE FORBEARANCE. XXXX said they mailed me the forms on XXXX XXXX. On the XXXX of XXXX I was told by XXXX I was 30 days past due on my payments. They have already reported the 30 days past due on my credit report. He would not tell me when they did this. So they basically did n't give me time to even return the forms in 30 days ( the forms that they never told me about in the first place ) before they reported this to the credit bureaus. I did what I was supposed to do and it seems like unless I paid in full they had every intention to ruin my credit. By ruining my credit this prevents me from getting a student loan for my next semester of law school. I also have to maintain good credit to keep my job. This negative report can ruin my life. I 've been paying for years and after 30 days of being late they just put this on my credit and I called before 30 days were up. Please help me.
My address on my credit report has several variations which occur when people enter the information incorretly, I have an address reported on my credit that I have never resided and never lived, and I have a name on my credit that isnt me as I have never been married and I only have XXXX legal name and have never used an additional name.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I paid a debt to XXXX XXXX XXXX in XXXX of 2017. 6 months later in XXXX they reopened the previously close and paid in full debt and now it's at {$100.00}. I do not owe this and it is affecting my credit rating. I am making this complaint and will hope they take it off my credit report. This still impacts my credit rating and my overall financial health. I was supposed to be building my credit rating to buy a house. Now I've been sabotaged!
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT A scam of a Fraud agency by the name of XXXX XXXX has been posted their frivolous information on my report from Transunion credit bureau, I have sent prior complaints to Transunion, I haven't got any positive response. I never had any contracts made with this XXXX  XXXX scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam Transunion with a Federal Lawsuit and huge Punitive charges and damages to my credit.
Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.
Could you please assist me with rectifying, according to law, how a mortgage Servicer/Lender can require me to pay for a hazard policy that was never forced placed? 

As background, on the XX/XX/XXXX I close on my house which was originally financed by XXXX. XXXX. At closing I paid for a full year of Hazard Insurance coverage ( set to expire XX/XX/XXXX ). Before my first mortgage payment was due, PennyMac bought my loan from XXXX. XXXX and since I have been making payments to include escrow for hazard insurance. 

To my surprise, on the XX/XX/XXXX I  received a call from PennyMac informing me that my hazard insurance policy was cancelled. Which was discovered by PennyMac when they made contact with the insurance carrier to renew the policy. I immediately called my insurance company only to confirm the bad news. Since I have found a new policy and informed PennyMac to pay for my new insurance out of the escrow account. PennyMac took care of the new policy and went on thinking everything was back to normal ... or so I thought. 

XX/XX/XXXX, I received a letter from PennyMac asking me to provide proof of insurance for the time frame when the policy was cancelled or they will buy insurance for approximately {$2000.00} and will take it from my escrow. This is bizarre, I question how can a servicer/lender require a borrower to pay for insurance premiums when there was no forced/lender placed policy to justify the premium. I called a few agency to see if I can buy insurance for a period that's in the past and I was told that's illegal and impossible. Now, how can PennyMac buy coverage for a period in the past?
I applied for a loan from ONE MAIN FINANCIAL in XXXX 2018 ; and was denied. ONE MAIN alleged I was denied because of information on my credit report. My credit report did not reflect any adverse credit information.

So, I wrote to ONE MAIN and requested that they provide me with a letter stating why I was denied a loan. Pursuant to Title 15, Sec.1693 ONE MAIN had a duty to answer me within thirty ( 30 ) days. ONE MAIN failed to state to me in writing a legitimate reason for turning me down for a loan. ONE MAIN is liable for damages under Titile 15, Sec. 1691 ( e ), & ( a ).
XX/XX/XXXX in the height of the financial crisis I rang my mortgage bank, ING mortgage, and asked about refinancing. I was told by phone that if I could lower the principle below {$500000.00} ( from {$650000.00} ) I would be able to significantly lower my interest rate. I was on a XXXX ARM at 5.25 % and I was told the rate would go to 3.875 % for another 5 year lock provided I pay a fee equivalent to one month 's mortgage payment at the 5.25 % / higher rate. 
I was told the remaining term & terms of the loan would stay the same. 
Critically the rate renewal process was done online, by simply checking a box and then speaking to an agent. Forms were then sent out just before new year as the final part of the process to confirm what had been discussed. 
Please see pages XXXX & XXXX of the XX/XX/XXXX mortgage documents I am sending you. 
The page titled " Agreement to modify note '' was, I was told, to lower my rate for 5 more years. It was not pointed out or even discussed that the index that is used for future rate changes after the ARM expires was also changed. 
The original mortgage stated the index used was " the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. '' ( see XXXX of the pdf ). 
The agreement to modify cites a different current rate of " the One Year treasury bond ( XXXX ) '' changed to " the one year LIBOR ''. 
One year Libor is a much higher rate than the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year. I am led to believe by over XXXX higher. This will significantly raise my mortgage payments as my 5 year ARM expires this month. 
I refinanced the XX/XX/XXXX ARM again in XX/XX/XXXX. Again online with a one month mortgage payment fee and with a similarly short modification note. This note only refers to " the index '' without stating which index. 
Conclusion : 1. I was misled in XX/XX/XXXX. It was never verbally discussed that the reference rate was changing. I paid significant fees with a large capital pay down to be stuck with a higher index rate. All the initial refinance processing is done online and by phone. The modification documents are only sent out once agreement is reached. 
2. the index rate in the XX/XX/XXXX " Agreement to modify '' is different from that stated in the original XX/XX/XXXX mortgage documents. 
XX/XX/XXXX documents state " the One Year treasury bond '' versus the original documents state, " the weekly average yield on US treasury securities adjusted to a constant maturity of 1 year, as made available by the Federal Reserve Board. '' 3. the XX/XX/XXXX agreement to modify does not highlight what was a major change to the index rate used for my loan. This issue is also coupled with the error in point 2. above. 
I will be paying a much higher floating rate starting XX/XX/XXXX, due to this misleading change to the index rate used for my mortgage.
When I reviewed the interest I was paying on my credit cards, I thought it was really high. When I looked into it further, I saw I was being charged XXXX interest rates : one for purchases and a higher one ( 25.40 % ) for cash advances. The balance subject to the cash advance interest rate was very high : {$830.00}! I knew I had n't taken that much cash out as a cash advance. When I called Capital One to find out how they calculated this figure, the rep researched the cash advances I had taken over the years and found {$380.00}. The rest is all interest! This is robbery! Credit card companies should have a cap on the amount of interest they are able to add to customers ' account. Accrued interest caused my {$380.00} to turn into $ XXXX and I 've been paying the card every month for years.
I have been a XXXX XXXX card holder since 1995. As of this year, they gave control of the card to Synchrony Bank. Unbeknowst to us, they transferred control in early XXXX shortly after we made a {$1600.00} payment to XXXX. We were told it would take 30 days for XXXX to transfer this payment to Synchrony Bank. In the meantime, we have faxed proof from our bank that these funds were indeed taken out of our account via billpay to XXXX. It has been 45 days now. After multiple calls to Synchrony, we ( myself and a representative from Synchrony ) contacted XXXX and were told that these funds had been transferred by XXXX XXXX. Now, they are telling us to get a " transmittal form '' from our bank to prove again that this transaction did indeed happen. Unfortunately, we have been charged a " late fee '' and the card was put on " hold '' while my wife and kids were out of town. Needless to say, she needed to use the card for gas to get home and was shocked it was declined. The representative from Synchrony Bank is still unable to locate this missing payment, and it seems to me that they are asking me to find it in their system for them. Additionally, they tell me that they will continue to charge late fees ( as well as affecting my credit ) until they can find it in their own system and apply it to our " new '' card.
I have been disputing this account late payments since XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. XXXX XXXX is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  XXXX late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.