WillisBack/dataset-financial-user-claim huggingface dataset:
There are repeated roadblocks to attempt to reduce the cost of my mortgage through RoundPoint Mortgage Service Corporation. For instance, a biweekly payment option is available, but requires the processing of a paper application AFTER already signing up for ACH withdrawals and having a fully integrated online profile on their system. ( MONTHLY recurring payment is made available, but the other option requires additional efforts. ) In addition, initially, I spoke with a customer service representative about making weekly payments and went through a series of steps to make those payments directly from my bank account. Rather than applying the funds when they are received toward the next payment, as was described, the company amassed the cash and applied it at the due date of my monthly payment, ensuring they maximize the interest accrual on the loan. The other option they offered was that the payments could entirely go to principal, but would result in my monthly payment then not being paid. 

When I called to address my concern about this practice, I got a run around and was forced to make an additional payment ( full monthly payment ) to ensure that what I paid weekly did n't somehow not get applied and put me in a situation with a missed payment. 

The customer service department does not seek to help consumers at all. I did NOT choose this vendor. My mortgage was sold to this company and now I 'm a hostage to them for 30 years. I would love to figure out a way to escape this company and go with the provider I originally chose or a more decent company.
EXPERIAN AND XXXX ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXX whom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file, they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX  XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... '' BUT IT IS NOT!!! - SEE ATTACHED PROOF AND PLEASE DO SOMETHING ABOUT THIS, ISN'T THIS A VIOLATION OF FEDERAL RULES AND REGULATIONS.
I made a payment of {$50.00} on the XX/XX/2018 in the afternoon.They didn't credit my account until the next day causing my payment to be late. I was charged a past due fee of {$25.00} on XX/XX/2018 which is my due date. I called XXXX XXXX XXXX  Quicksilver and they would not credit my account.
On XX/XX/18, I completely paid off my student loans. XXXX ( XXXX ) has yet to put my payment paid in full, except for two of the loans. Stop dragging your feet and send me my letter. We are done!!

If I am not completely severed from your company within one more week, I am filing the biggest lawsuit against you!!!! 

Enough is enough!!!! It's been over a month XXXX XXXX XXXX  XXXX!!! 

I want this account closed!!!! Now!!!!!!! 

You have been paid in full now stop this and show I am paid in full!!!!! 

My patience is wearing extremely thin.
I went to a Bank of America branch to talk about getting a home equity loan. I described my situation in detail ( I needed money to renovate a home that my brothers and I had just inherited so that we could put it up for sale ; the house is held in a family trust ; BofA holds the existing first mortgage on the house ). I gave the banker a lot of information to get the paperwork started but I did not sign anything authorizing a credit check. However, the next day both my husband and I got notices from our credit monitoring service that our credit had been checked by BofA. One day later, a BofA rep called to get more info for the loan and in the course of that conversation I explained ( again ) why I needed the money. She put me on hold for a while and then came back and told me that the first bank rep had made a mistake and BofA would not loan money for a renovation in order to sell a home. I said I wanted to lodge a complaint and get the credit inquiry removed from our credit reports, since there never was any chance that we would be getting a loan. She gave me contact info for her supervisor and several days later I was able to reach him. He was apologetic but when I asked why our credit was pulled before we 'd given authorization he did n't have a good explanation, and when I said that I wanted the bank to contact the credit reporting agencies to get the loan inquiries removed from our credit reports he said he did n't think that was possible. That 's crazy. If BofA checks our credit without written authorization when they do n't even offer loans for our particular situation, then they should have to remove that credit inquiry from our credit reports so that it does n't affect us later on. The supervisor was very nice and kept saying " I promise this wo n't affect your credit '' but I do n't think I should have to rely on his promise -- I want that bogus inquiry removed! 

On top of this, the first banker misrepresented the loan costs to me when I was in her office in two different ways. First she said that it had a introductory rate of 2.99 % during the first year, but much later, at the end of our appointment, she said that the 2.99 % rate was not guaranteed for the first year and that it could vary. When I tried to get the details of how it might vary, she just kept saying, " Do n't worry, it wo n't vary. '' In addition, she neglected to mention the " Early Closure Fee '' for keeping the account fewer than 36 months that is described in the paperwork that arrived at my home a few days after our meeting -- despite the fact that I had been very clear about only needing the loan for about 4-6 months.
After I returned merchandise and did n't get my funds back, I opened dispute with US bank. A month later I was debited funds which were credited back to me previously. I even provided tracking number when I opened the dispute. When I called the customer services was rude and di n't listen to my concerns.
In XXXX XXXX my Mortgage was transfered to a new company Nationstar Mortgage account # XXXX the terms of my original Mortgage agreement signed XXXX/XXXX/XXXX states payment are due on the XXXX of every month but I have till the XXXX of ever Month to make payment. 

Today XXXX/XXXX/XXXX I arrived at work to an excitable co-work who explained Nationstar had called about my Payment. being Late and leaving a call back number and code ( XXXX ) XXXX code # XXXX. Why am I getting an embarrassing call at work about a Mortgage payment that is n't late till XXXX XXXX. In the pass I have received lots of Email from Nationstar about willing to help me with payments. Once again My account is n't late Example of Email : Dear XXXX, Everyone at Nationstar is committed to " helping homeowners succeed. '' To keep things easy for you, we offer multiple ways to make your monthly payments. There are XXXX convenient ways you can pay right now : You have XXXX ways to pay right now : Click here to make a one-time payment online. ( No fee if received within nine days of XXXX/XXXX/XXXX ) Call to make a payment using our automated phone system : XXXX. ( Fee applies ) Call and pay by speaking to a Nationstar Representative : XXXX. ( Fee applies ) Remember, we 're here to help! If you have any questions or concerns about making your monthly payment, please call us now to discuss possible solutions at XXXX. If you have already made your scheduled monthly payment, you may disregard this email. 


Thank You, Nationstar Mortgage XXXX # XXXX My Mortgage is n't Late till XXXX XXXX but for some reason I 'm being harassed by Nationstar
EXPERIAN has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
This has been a headache since I obtained the card. Making a payment is a big inconvenience and has resulted in unnecessary fees. Now I am trying to reach someone at the company to discuss pay off options and I keep getting the run around. I have spoken with several representatives and NOONE has aided me on my nightmare. After 4 hours of begging for information on how to reach someone I was told they were closed and to call back. I just want to settle my debt and move on but the company 's customer service reps are making this impossible. Tgere is no corporate number or email either for contact.
Someone from XXXX used my information to open an account with XXXX. The dispute was resolved but now an incorrect address from XXXX is on my profile. I have never lived in XXXX. I need it removed.
Since Hurricane Maria, I had financial problems. I have tried to make payments, but it is abusive that they are calling Sunday to try to make payments
Military star card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
This phone caller continues to call my home phone number repeatedly regarding billing, products and collections. I have never had an account with said company nor have I applied with them yet they call my home phone repeatedly. Please have them comply with your recent Consent Order # XXXX. The number of the caller has been XXXX XXXX.
I was in the service and went on medical leave and the place I was living at was informed and I should not owe anything to this company, now years later they are trying to collect. This is not right, I need some help.
Transunion- I called on or about XX/XX/XXXX after obtaining my credit report. I noticed several unauthorized inquiries on my report. They are as followed : XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX  XXXXand XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I asked them to remove them because I did n't authorize these companies to check my credit but they refused.
First, you have to understand, 'credit lock ' is a Transunion product they charge for- and that they have manipulated their website to steer you away from a 'security freeze ', which is free. 

Of course, after the breach/debacle with XXXX, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumers misfortune by ensuring you are NOT ABLE to get a security freeze ( one again, your right to completely free security ). 

They have completely blocked EVERYONE 's ability to complete a security freeze online, a process that takes seconds to complete. At the end of this process you will receive a message to contact them via phone. Once you call, you will guided through the security prompts and in the end, you will be informed they are ( once again ) unable to process your request and you will need to talk to a representative ... after which you will transferred to a busy signal. 

***** Remember, if you ca n't place the security freeze you are completely entitled to, your only option to protect yourself is to purchase Transunion 's Credit Lock product ... funny how that works. FYI, ignore the mis-information ALL of the bureaus/CRAs are promoting on a Security Freeze. They are easy to do. AND- you can apply for credit at any time- just be ready to provide your pin to the creditor. It 's that simple! 

Next, rinse and repeat, over and over and over and over again. I have literally attempted to get this done dozens of times over the 4 days since the XXXX debacle was initially reported.
On XX/XX/XXXX certified letter was sent to Experian asking them to provide verification of the following debt reporting on my credit report. Another letter was issued in XX/XX/XXXX stating that the items where in non compliance of the FCRA section 609. On XX/XX/XXXX a phone call was placed to Experian asking where the response letter was and that they by law were non contempt. Representative XXXX from team ( XXXX ) stated that the response was mailed to an address that I did not provide. As of today the items still remain on my credit and the illegal unauthorized distribution of my credit report has put me in a vulnerable position.
Pay pall refunded money to the person even after I reported, that it was nothing wrong with an item. When I protested it, they told me that the buyer will return the product. The buyer returned empty box, now I do not have the product and the money.
I have contacted your company before about incorrect reporting and the wrong info listed on credit report. I have reached out to the XXXX company here in XXXX so many times and still no response from them and even you guys have tried and told me that you cant get in touch with them. I have asked for proof and still nothing i have asked that this be taken off my credit report for over 2 years now i need your help. please have this taken off my report it is hurting me and i have sent 3 more letters to them no response. i have reached out to all 3 credit bureaus to have removed they cant even give me the correct info. please help me as a consumer get this handled PLEASE PLEASE .... THANKS THANKS THANKS IN ADVANCE
This debt was charged off on 2001 and no longer on my credit report in any way. I do n't know how they found my information but they are trying to collect a debt that no longer exists. This is fraudulent.
Received a phone call from XXXX stating that I was going to be charged for a civil and a criminal lawsuite from XXXX and Check Into Cash payday loan. I told them I have never had a payday loan from that company and they continued to harass me and I asked for the information date etc and that I would go to my attorney with this and they hung up. 
the Company is XXXX and the phone number was from Ohio. I went online to check into company and can not locate company I want to file a claim against them. If they can show me proof that I took out a loan with that company I am willing to make a settlement but not until.
I discovered fraudulent activity on my Sync/ JC Pennies account XX/XX/18
A collection account from XXXX has been miss reported on my credit reportwith Equifax. I have disputed this with Equifax for over XXXX years and it still remains. This collection account has been removed from both XXXX and XXXX XXXX and XXXX companies have shared this information with Equifax. However, it still remains on my file with Equifax. I have even spoke with a supervisor at Equifax about this. It 's time they receive a {$1000.00} fine for non-compliance of FTC regulations.
In the spring of XXXX I read about the Public Service Loan Forgiveness Program and the possibility of some if not all of my student loan debt relief. I contacted my loan provider at the time ( Department of Education ) and was told that in order to qualify for the Public Service Loan Forgiveness Program I would need to consolidate my loans into a Direct Loan program and change my payment plan. I did this and on XXXX of XXXX all of my loans where consolidated and then managed by XXXX XXXX/Navient. I was told that the payment plan I was in qualified towards this program and all I had to do was make 120 on time payments, which I have been paying for four years. In XXXX of this year ( XXXX ) I submitted the paperwork to the government to see where I stood in the program and at that time the servicing of my loans was transferred to XXXX XXXX XXXX. I just got off the phone with XXXX # XXXX at XXXX and as of today, XXXX XXXX, XXXX, the 50 payments I have made since XXXX XXXX do not count towards the PSLF program because I was not in a qualifying repayment plan. I am very upset by this and feel that I had been taken advantage of by XXXX XXXX/Navient and misled by the information given to me over four years ago.
XXXX XXXX XXXX XXXX  accounts are still showing on my XXXX  credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. XXXX has yet to remove them.
I have a complaint to involve XXXX, as well as the collection/or law office they sent the account out to Caine and Weiner ..I was contacted by a XXXX at Caine and Weiner, after asking for my husband and I advised her I am his wife, what is going on, she being to tell me about the outstanding debt due at XXXX, which by all means XXXX never called me one time nor sent any collections notices out before sending my case out!! second the collections agency they sent it through failed to even verify information to confirm that I am the above party wife she just being to go into details I could have been anybody, second that company did not even send me a validation of debt letter, to give me a chance to dispute the reason for none payment after not hearing me out after several phone calls when they raise my insurance because I could not prove I had prior how am I going to prove that when my vehicle was new?? The rep was a very fast talker she could care less what I had to say she gave me the company address so fast, and I am very upset! SHE DID NOT MENTION THIS WAS A ATTMEPT TO COLLECT A DEBT NOR TELLING ME I WAS TALKING ON A RECORDED LINE, SHE ALSO DID NOT VFY ANY INFORMATION CONFIRMING I WAS MY HUSBAND 'S WIFE This is illegal and should not be tolerated!!!! I KNOW MY RIGHTS AND NONE OF THE FDCPA RULES WHERE NOT FOLLOWED!!
I have contacted XXXX XXXX XXXXXXXX XXXX  by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.
My identity was stolen and as a result there were multiple accounts opened with XXXX XXXX. The accounts were closed with balances. I called XXXX XXXX to inform them and they have not removed them from my credit reports.
Performant XXXX has called me multiple times the latest was on XXXX17 at  XXXX. Claims to be a debt collector for the Treasury Department, with some claim that I owe $ 120+ to the Treasury Department for some VA ( Veterans Administration ) care.

That is impossible because I am an Unemployed XXXX XXXX, that does not have to pay any debts at the VA! I have limited means. I do not know what the claimed cost occurred from, nor am I going to pay for something I did not authorize or receive!
My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my score.
Complaint number XXXX about Citi Mortgage. We call over and over trying to speak with some one. Most of the time we get someone who does not even speak XXXX and we do not understand anything they are saying. We have to call back several times in a roll just to get a person we can understand. Then that person will not transfer us or even give a message to the person we are trying to reach. It is completely madding. Every email or letter we get always states we can contact them at any time. What a bold face lie that is. We spend hours trying to reach anyone that will talk to us and then never get them. At best we get to make an appointment for them to call us back and they never do. This has happened at least XXXX times that we wait for a call that never comes. Why will they not talk to us? Why will then not return calls? Why are they foreclosing on our home without even trying to talk to us?
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, Equifax, XXXX and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
cant ake any more scripts. i asked for a XXXX time good will credit since i am a GOOD customer and get nothing from this card never mind i need it and deserve it i am put on hold told no. its pure greed and without loyalty i cant be loyal either that is business i wias put on hold and still declined what a message. i will stick with XXXX who gives good will crediits to me ona regular basis since i am valued ther efor all the times i cant understand the person due to their XXXX and am put on hold for no reason. i am enraged GREED XXXX credit of XXXX dollars will not kill you