WillisBack/dataset-financial-user-claim huggingface dataset:
Our mortgage has been with Roundpoint Mortgage for several years and we have never missed a payment. I get repeated calls from them as " payment reminders '' even though the payment is not late. Today ( XX/XX/2016 ) I received 2 calls from Roundpoint Mortgage ( XXXX ) within 30 minutes. I have our bank account set to automatically pay the amount due prior to the due date every month. As I said, we have never missed a payment or been charged a late fee. When I spoke to the second person today she said they would continue to call me until they get the payment, like I 'm a deadbeat or something. It is total harassment.
I have contacted CapitalOne customer service several times in the past several weeks from XX/XX/XXXX to current date. The company mentioned in my last chat session with XXXX XXXX that some customers did receive the end of year statement but I'm just one of the unfortunate that have not. All tax documents are to be completed and mailed by XX/XX/XXXX with mine still not processed or mail.
I had a home loan that was modified and later foreclosed on. Green Tree later bought that company and continues to report the debt to the credit bureaus despite the fact it has been more than 7 years since the account first went delinquent. In addition the amount they are claiming I owe is significantly higher than what I owed at the time. $ XXXX versus $ XXXX. Each time I speak with Green Tree they are unprofessional and are intimidating.
Called to get loan payoff information so I could sell the house, refused because the number I wanted it faxed to was an attorney 's office and I was behind on the loan. They were very hostile the entire time, refused to send information I 'm legally entitled to, then hung up on me after nearly an hour of going back and forth answering all their questions.
I INDEED HAD RECEIVED TOO MANY PHONE CALLS FROM MIDLAND CREDIT MANAGEMENT, INC. AND EVEN OF DEBTS THAT I DO N'T EVEN HAVE. I ASKED FOR A REFUND AS I RECEIVED A LETTER ( CARD ) FROM THEM THOUGH In re Midland XXXX Claims Ad. and I answered to their refund card to request my refund and I never received it. I WANT MY REFUND!
I called American Honda Finance on XX/XX/2017 tonask for a special payment plan because Inwas in between jobs and I needed assistance. The representative stated that I qualified for a special payment plan since I had a great payment history for the past 2 in a half years prior. They asked me if I wanted to initiate this special payment plan and I agreed and said yes. This special payment plan allowed me to bypass two months of payments. They then mentioned they would temporarily remove me off of easy pay and to call back a month later in XXXX if I wanted to get back on easy pay. Only if I had the means to make a payment. I received no calls or no notifications that my payments were late because To me they representative stated I would be on the special plan. I then call back in XXXX to make sure everything was well and was going okay and they informed me I was behind on my payments! I asked why if I was on a special payment plan and they stated that I never initiated the payment plan! I stated that I did because I really needed it and they denied it so now my credit score went down 54 points!! They dropped the ball because they told me to call back if I wanted to get my on easy pay and they stated that they told me to call back to initiate payment plan which is false because I needed the special payment plan to go into affect immediately starting when I called!
XXXX XXXX XXXX signed me up for an auto repairs XXXX Credit card, and entered my mailing address completely wrong. I never received ANY of the bills for the service, as they went to the incorrectly entered address. After they finally called me about it, I resolved immediately by paying bill, but XXXX had already sold the debt to a third party collector that I did not have a contract with at all. I don't believe it should be allowed that the third party collection agency be able to post negative remarks on my credit about this, since I did not have a contract with them. I also think it was poor business for XXXX to move this to collections before even contacting me to let me know about this bill. All they had to do was call but instead they moved it into collections after not getting any response, because they were mailing the bills to the wrong address.
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my credit reports as follows XXXXXXXX XXXX provide me with a lease.. never lived in XXXX and company that us collections is trying to collect debt for is no longer in business.. Ive contacted this company no response. They cant provide a lease this is not me. 3 year remedy here in Louisiana where I have lived for 5 years. No contract
I applied for HAMP with Fay Servicing , LLC XXXX. XXXX, XXXX, IL XXXX and was denied a loan modification. I appealed because I was told by my file manager ( I think his name was ( XXXX ) at Fay Servicing that I would be denied because the investor would probably require XXXX upfront for me to qualify. He insinuated there was no reason to send the required information because I would be denied anyway based on this fact. Therefore, on XXXX/XXXX/15, I sent an appeal letter to Fay servicing because I would later find out it was potentially illegal in California for the Servicing Company or investor to require an upfront fee for the HAMP program. I also appealed because I had a change in circumstances. I called Fay Servicing on XXXX/XXXX/15 because I never heard anything back from Fay Servicing regarding the appeal. This was when I was told that my account manager was no longer there and had been assigned a new account manager named " XXXX XXXX ''. " XXXX XXXX '' told me that Fay Servicing could not longer communicate with me about anything to do with my loan or appeal or loan modification unless I provided them the following information:1. A letterhead from the law firm representing me in a lawsuit with XXXX XXXX XXXX which has nothing to do with Fay Servicing. 
2. An attorney letterhead from the attorney representing me in a BK. 
3. Stated that the attorney representing me in a BK must sign the permission slip for them to talk to me about the HAMP loan modification for Fay Servicing to talk to me about my status on the loan modification appeal. 

Therefore - with the above being understood - I am submitting this complaint based on the following:1. Whatever BK that was filed in the past should have nothing to do with the loan modification process. This is especially considering that Fay Servicing has been communicating with me for several months during the loan modification process. This substantiates the fact that Fay Servicing potentially just made up this policy all the sudden to potentially harass me and violate my rights to appeal the loan mod process. 
2. Fay Servicing is guilty of dual tracking. That is because I had sales dates every single month during the loan mod process and even have XXXX this month during the appeal Fay Servicing absolutely refuses to talk to me about. 

Please help! 

Respectfully, XXXX XXXX
My loan number was changed in XXXX, I did not make the deadline to update my auto draft from the bank. I called in XXXX to make my monthly payment and to be placed back on auto draft. Well, this payment and every other payment each month has been misapplied by the lender ( CIT bank ). My name and loan number are : XXXX XXXX # XXXX. 
I keep thinking that with every month this would be corrected, sadly it has not. It is now affecting my credit rating, I was at a XXXX with XXXX, and now I'm down to a XXXX. I pay all my bills on time, and to see this was very upsetting. I've been trying to get this fixed for over 6 months now. I was finally able to get a supervisor, XXXX XXXX ( XXXX ) XXXX in XXXX. I thought that would be the end of it, again it was not. 
I have attached my payment history and the misapplied errors. I just wanted to get back on the auto draft. I sent them multiple emails through their website XXXX XXXX XXXX. No resolution. Many calls to XXXX, she did call me back this month when I mentioned I need to make a payment, other than that every voicemail I have left her has been unanswered. As of now, my account states that my next payment is due XX/XX/2018. I have paid every month, and a little extra this month in the hopes that someone would fix it. 
I'm exhausted, I'm hoping this will help me with my issue.
unfortunately your form wont let me check all the boxes for the issues i have had with my loan servicers. 
first, they are unwilling to take my payment via visa debit card because i live and work abroad. they were able to take my payment for rehabilitation but refuse to accept payment to keep my loan current. they have been doing this for over 2 years. I have shifted from XXXX, to nelnet to XXXX XXXX.. I have the money and the desire to pay but they literally will not take my money. 
also they have lied repeatedly about my options as my loan was defaulting. 
they have harassed my family by calling many times asking them to pay my bill even though they have absolutely nothing to do with the loan and signed nothing on the documents. 
im pretty sure you wont do anything but i am out of options, this situation has destroyed my credit and inflated my loan debt. the situation is insane. 

i am out of options and have no recourse. there is absolutly no power here for borrowers its disgusting how little is being done to deal with this.. 

these companies are a scam and run as a criminal enterprise and no one is doing anything about it. its disgusting.
They call 4-6 times a day on my home phone and on my cell phone. They are both on the do not call list. They call from different phone numbers that have been reported as scams and do not answer. The area codes either do not exist or do n't work. I have blocked one of the numbers so far. The companies name is Portfolio recovery. You can not call any of these numbers back they are disconnected. The numbers are XXXX, XXXX, XXXX. I did see other numbers on all of the pages with these numbers.
AFNI is on my credit report again, after being removed, and have had been made contact with. I do not owe AFNI nor the company that they are claiming to represent any money what-so-ever. This company needs to leave me alone! I Want them removed from my credit reports in less than XXXX hours.
The property at XXXX XXXX XXXX XXXX. XXXX CA XXXX was given to XXXX and XXXX XXXX via grant deed, quit claim deed, will and trust by the now deceased XXXX XXXX XXXX. Furthermore, XXXX XXXX was appointed Executor of the Estate. ( Please see all attached information ). We have sent all of the above mentioned information to Nationstar NUMEROUS TIMES showing that The XXXX 's are now the property owners and should have full authority and authorization to speak on the account. NATIONSTAR IS REFUSING TO ACKNOWLEDGE THIS INFORMATIN. To make matters worse, Nationstar stopped taking payments once they were made aware that XXXX XXXX has passed which is ILLEGAL. 
Nationstar insisted on several occasions that they never received the documents with all pertinent information and then when they did admit to receiving the information, they stated that the documents are not sufficient. This has been on ongoing for months. Nationstar is refusing to acknowledge this information because they want the home to go to foreclosure sale. This is the XXXX HOME/ RESIDENCE and rightfully so. Prior to the death of XXXX XXXX XXXX, she took all necessary steps to ensure her home was protected and Nationstar has disregarded all her efforts. Nationstar stated, and we quote, " the documents are deemed invalid to name the XXXX 's as agents to releases loan information as the documents do not provide financial authorization and power over the debt. '' The grant deed and quit claim deed are in the XXXX name and have been signed and notarized by XXXX XXXX before her passing. That alone should suffice and grant the BOTH XXXX 's authorization. They are trying to bring the loan current and or receive financial assistance and Nationstar is refusing to allow them to do anything because they want to take the home. They will not provide a payoff or reinstatement. The XXXX 's will assert their legal rights and will be filing a lawsuit and naming Nationstar and XXXX XXXX XXXX as defendants as Nationstar is doing their own interpretation of the law, have neglected this issue, breached their duty, and the XXXX will seek damages. It is very apparent that Nationstar is discriminating against the XXXX 's based on their age, race, ethnicity, national origin, and language. We are demanding that these issues be addressed and expect a response within 72 hours or we will be forced to file a civil suit in district court.
On XXXX XXXX, XXXX I received a notice from XXXX that there was a new inquiry on my credit report. I investigated and found a credit application was opened. So I called XXXX to confirm that this had been approved and opened in my name and I did not submit this application. They did close the account but trying to get more information about how to protect my account was extremely difficult This is now the fifth time this has happened to me. The other four times the application was denied and but this time they finally got the application to go through. I do n't understand how this keeps happening. I have called each and every time to report this, filed police reports each time, put XXXX on my accounts, etc. I am fed up with Synchrony Bank and how they allow this to continue to happen. For how large of a bank they are, they are not out to protect their consumers. They push applications and never check fraudulent reports. I am thankful for XXXX letting me know first so I could get the ball rolling and take care of this.
My credit card was blocked by HSBC while i was having my vacation in XXXX. I have made a complaint regarding this issue and CFPB has closed the case after the company responded. However, I am very disappointed and dissatisfied with the respond and answer given by HSBC.The previous complaint case is XXXX. 
I have received the HSBC replied letter on XX/XX/2018 and followed their instruction by signing and sending back the document on XX/XX/2018. On XX/XX/2018 I finally received a call from HSBC which mentioned that their call was to unblocked my card. The staff verified me by asking me some questions and i got transferred again and put on hold on the line for more than half an hour. They're really treating their customer as XXXX by transferring here and there. Finally, my card was unblocked after i made a call on XX/XX/XXXX again which i have to gone through another round of verification. 
I totally dissatisfied with services and treatments that HSBC ( who claimed they're world class bank ) treating me. Firstly, before HSBC approve my card, isn't the company has done all the necessary verification and checking? As a huge and world class bank, i have doubt their policy and compliance. Secondly, If i did not made a complaint through CFPB, I think my card still is under status blocked which nobody from HSBC cares. Consumer like me is totally disappointed with this kind of treatment. Thirdly, from the letter that HSBC replied that they mentioned they unable to compensate me the bonus points as it is still under the promotion period which ends XX/XX/2018. This is totally unfair to me as the promotion period supposedly to be three months. However, HSBC has blocked my card and do not care to take up my case for more than two months. Yet they replied me that my card is still under promotion which is from XX/XX/XXXX where my card was finally got activated until XX/XX/2018. How ridiculous is this. Last but not least, I was unable to shop and buy the items i wanted during my vacation in XXXX. It was really a very negative memory and disappointed two weeks vacation which i have to kept calling the so called word class bank and spent on my limited cash on hand. 
In addition, if the HSBC has done their checking and compliance properly, on XX/XX/2018 I could have spent more than XXXX dollar at the XXXX outlet. Which means, I have qualified for the bonus points on XX/XX/2018 and I have the evidence that I got rejected due to my card was blocked. It was so embarrassed that I kept trying and got rejected in the jewelry shop where everyone looking at me.
Due to me being uneducated about repaying my loan I was misguided/ misinformed to apply for consolidating instead of correct and helpful information to have this loan discharged I feel now as I have been persuaded in making the wrong decision on the latest application I've submitted to XXXX.
First of all, this form does not have a box to check that I never took out a loan from the questionable company and secondly, the only box I could check was that I was the borrower, which I am not, but the assumed borrower instead. 

I am getting requests for payment of loan # XXXX taken on XXXX/XXXX/XXXX obtained through AmeriCash Loans of Missouri for a person who has the same name as me but not the same SSN or address as me. The first written Notice Before Suit was received XXXX XXXX, XXXX. I subsequently sent a certified letter to their XXXX XXXX, IL collection office. I received confirmation of delivery by USPS. Another letter, Notice of Right to Cure Default, dated XXXX XXXX, XXXX was received by me on XXXX XXXX, XXXX via certified mail. The phone number for the company is XXXX but we are hesitant to call them in case it is not a legitimate business but a scam.
I sent a letter in to Experian, to have some things disputed on my credit. Mind you this is not the first one that I have sent. I received a response from them stating that they will not reinvestigate some of the information. I find multiple problems with this one being that I never got proper validation from them proving that the alleged debt is mine!
The Mortgage company has omitted some of our mortgage payments for the last two years and they are trying to foreclose on us tomorrow. We, need help to hold the Mortgage Company liable for misappropriating your mortgage payments.
My mother wire transferred me money using the XXXX application and my phone number. Neither of us knew that having given my phone number to capital one more then one year before. Also it being a charged off account. They snatched up the money even though it was meant for XXXX XXXX account. How can they just take money not meant for their bank an tell me I don't really have an account it's been charged off but they will keep money anyway. Wow seems really crooked to do that and not have permission from either parties on wire transfer.
INTEGRATED DEBT SOLUTIONS HAS BEEN CONTACTING MY FAMILY MEMBERS ON A DAILY BASIS. BOTH MY MOTHER AND SISTER HAVE RECEIVED UP TO 6 CALLS PER DAY. XXXX XXXX IS LEAVING VOICEMAILS REQUESTING FAMILY MEMBERS RETURN HER CALL TO PROVIDE AN ADDRESS OF WHERE I CAN BE SERVED FOR A DEBT. 

I HAVE CONTACT THE COMPANY AND VERIFIED THAT THEY ARE REQUESTING PAYMENT FOR A LEGITIMATE DEBT THAT I OWE. I ADVISED I WOULD SET UP A PAYMENT TO RE-PAY, HOWEVER ONCE I PROVIDED MY PAYMENT INFORMATION OVER THE PHONE, I HAS SECOND THOUGHTS ON PROVIDING TO THIS UNKNOWN 3RD PARTY COLLECTOR. 

THE COLLECTOR HAS HAD AND HAS LEFT NUMEROUS VOICEMAILS ON MY PERSONAL PHONE AS WELL AS MY WORK VOICEMAIL AND I HAVE BEEN IN CONTACT WITH THEM DIRECTLY. AS THIS ADMINISTRATOR HAS MY PERSONAL CONTACT INFORMATION, THERE SHOULD BE NO REASON FOR THEM TO CONTINUE TO HARASS MY FAMILY MEMBERS.
Sallie Mae student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
XX/XX/XXXX - I submitted a dispute in regards to inaccurate reporting a charge off by  XXXX  in the amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XX/XX/XXXX - Disputed this account with Transunion and   XXXX     XX/XX/XXXX - Received an account summary from   XXXX   for dates  XX/XX/XXXX  thru  XX/XX/XXXX   XX/XX/XXXX -I received  XXXX  investigation results showing account updated  XX/XX/XXXX - I received Transunion investigation results showing that the account was updated  XX/XX/XXXX - I sent another letter  XXXX , Transunion and   XXXX   asking that they send me provide me with viable proof that this debt was mine  XX/XX/XXXX -Recieved the same exact letter from them with the account summary from  XXXX  XX/XX/XXXX - Received letter from Transunion stated the account was still being verified as correct and no validation or proof was sent that this debt belongs to me
I subscribed to trans-union for a one month period on their website. They did not mention that it will be a recurring payments of {$19.00} every month. They've been charging me for the past 6 months. They did not send me an email / mail receipts that they were charging me all these months. The only way to cancel them is by a long wait over the phone. 

This is not how they do business. This is a rip-off.