WillisBack/dataset-financial-user-claim huggingface dataset:
In early of 2018 I started a modification of my mortgage. I had paid my mortgage every month but not on the first of the month. I was not 30 days late. I continued to make my payment and in XX/XX/XXXX I started to make my payment on the XXXXaf the month, gor the month of XX/XX/XXXX. I was told at that time that my modification was accepted and I was in the trial period. I still tried to make my XX/XX/XXXX payment but the lady wouldn't accept it. She said because of the modification she couldn't take it and that it would mess up the modification. At that point I asked her if this would mess up my credit would I be reported late. She said no it would not be reported late because I was now in the modification. We discussed other things then I turned around and a satirist second time are you sure this is not going to affect my credit negatively. She again said no this was a recorded conversation.

Later when I looked at my credit report a couple months later I had indeed been marked late for 30 days and then consecutively after that I had been marked late. I had paid my modification on time I am now in the set modification. I have not missed a payment I've paid it on time they still will not correct this. I called and talked to customer service they went back and listened to the tape and they said you did ask twice and she said twice it would not hurt your credit. they said that they would try and call the credit reporting department and put in a complaint to get this taken care of and I would be notified. Twice I've tried to take care of this problem with them and twice they refuse to report correctly. I am taking it to you guys hoping that they will correct it I am going to have to get a lawyer if can't do anything.

Since all this has happened my modification is not being reported. They haven't reported that my loan amount was lowered my payment was lowered they have not reported that I've been on time. It seems like they are doing anything they can to destroy my credit. I was never late on my mortgage and I would have probably not went through the modification if I knew it was going to destroy my credit like this. It saved me {$300.00} but I can't get a new car or it's going to cost me another XXXX. My insurance has went up on my house and my car. So they really haven't saved me any money.

the recording on the phone call happened XX/XX/XXXX or XX/XX/2018 and then I spoke to somebody I believe again in XX/XX/XXXX. The phone call in XX/XX/XXXX agreed that they had told me wrong and it was their fault. But the credit reporting department is refusing to do anything about it. If you could get the recording from those days you will see exactly what I was being told. I want all lates removed off of my credit report, all bureaus. I want my payment on the credit report to show correctly reflecting the modified rate and I want the amount that I still owe to show correct modified amount.

I also think that there should be fines to this bank for reporting incorrectly on purpose after being notified and listening to the recordings.

Thank you, XXXX XXXX
On XX/XX/XXXX I get a call from a private number the girl on the line says that she is trying to serve me papers and needs to know when I will be available. I tell her im not and ask what it is for. She tells me she does not know provides me thw phone number XXXX and gives me case # XXXX. I call the number and anothet lady answers the phone and says she an answering service. She asks for my case # and the calls my by my first name and xfrs me ( if your an answering service how do you have my name ). A guy named XXXX answers the ph and takes the case number and asks how he can help. I advise I want to know why they are trying to serve me. I advise him that ive been scammed before and the previous girl gave me no details he said servers dont have that information he confirmed my name had me confirm my dob year he then gave me my month and day of dob and then my current address he said my file was down the hall with the attys placed me on hold while he got the file. Comes back on the phone and tells me that they are pursuing me for an old auto loan with HSBC for a XXXX XXXX that I had on XX/XX/XXXX that had a left over balance of {$7000.00} and that it is now up to {$17000.00} and they are going to file a 10yr judgement against me. My red flags are all over so I begin to ask him about thr collection practices as this debt was charged off with HSBC as they sold the car at .. He said you still owe the debt and charged off doesnt mean anything. This is not true as I work in a XXXX and I know the collection laws. I then ask him why have I never gotten notice he says that the address the company sent it to which i have not lived in over 6yrs ... He also states he mailed me a letter to my current address in XX/XX/XXXX of course I never got it. I ask him who he works for he states XXXX XXXX XXXX XXXX office is in Kansas but they are all over. I advise that i will be having an atty look into this and he states to have the atty call him at the same number I did ext XXXX. I went and did a search of the company and there is no such company .. I also did a search of the XXXX # and it comes back to scams ... So i call him back and ask why I cant locate the company he says that they dont publicly advertise and that the letter that i never got has the info. I ask who the atty is on the case he said one has not been assigned until i am served and they have not filed yet. I asked who thw debt buyer was he stated XXXX XXXX .. And then tells me technically he no longer can talk to me since I have an atty and will place a cease and desist on my number and that my atty can contact him. I go back and search the debt buyer who I have never heard of and it too has scam red alerts all over it. I have reached out to a law firm to cover my basis but I am also filing here as the FTC and AG both advise to file.
Ditech took over a mortgage some time ago that did not have an escrow account. they placed forced insurance on the account, took part of the p and I payment for the escrow. declared the account delinquent. we have insurance on the account with them named. this has resulted in negative comments on my credit report.
From XXXX XXXX through XXXX XXXX, I had issues with ACS not updating my payments properly, charging me with late fees and coming up with increasing larger, but never really explained amounts in arrears. I will attach my payment history which shows only two late payments in two years, followed by my paying extra amounts to catch up and paying out a large sum to catch up on what they said was in danger of being delinquent though not accounted for. I never defaulted and even though dealing with illness and hospital bills, I never neglected to pay even if it was just my regular payment. ACS, now Conduent called me multiple times a week multiple times a day at all hours and I also answered and explained my situation and made payments. Some of the customer service reps even advised me of times to pay to avoid credit reporting consequences. In XXXX, around the time I learned that I had been hit with bad charges related to the XXXX and XXXX breaches, I saw where ACS/Conduent had reported multiple 60 and 90 day payments delinquent. It made a huge dent in my credit score, and like the actions taken by the company in my other complaint, are incorrect, unwarranted, and a detriment to my position as a cleared XXXX. 

I wrote to ACS/Conduent and received a reply that they had no control over the reporting and to reach out to XXXX. I reached out to XXXX and was told to go to Conduent. Neither of them answers the phone or returns voicemails. I attached the email chains for your reference. 

I didnt realize it, but this treatment is very close to that complained about in the recent lawsuits https : XXXX? XXXX and https : XXXX. Unfortunately, Virginias XXXX has not joined this effort and so I am reaching out to you. 

This characterization of my payments and the credit reporting is false and I would like it removed. Also, it cuts against my livelihood, which I need to pay the loans back. It is difficult to understand why a lender and services would want to harm the source of their payments.
A loan was assumed by LITTON LOANS/OCWEN and the loan was PAID IN FULL on or about XX/XX/2010. 

Litton continues to report MONTHLY PAYMENTS as accruing, giving the impression on review of a credit report that there is a PRESENT DELINQUENCY. There is not, as NO MONEY IS OWED to Litton.
I paid off my car loan to Honor Finance, I used the same credit / debit card I have used for the past 10 months and am now told that they will not release my title or any other documentation, which establishes that my note is paid in full, unless I send a copy of my credit / debit card as well as a copy of my drivers license. I asked why and they just said it was their rule and their way of making sure that I do not stop payment. How can sending a copy of my card and license assure this company of anything, much less guarantee a payment, which has already cleared my bank? I feel that they are holding my title, for a loan, which has been paid in full as a hostage to gain personal information, which they already have on file. I do not feel that additional information should be necessary as my loan is paid in full, the company is aware of my mailing address and contact information as well as credit / debit card information as they have been processing that card number as payments all along. As far as I can tell, through my research, their steadfast refusal to release my car title in a reasonable amount of time, say 30 days is nothing short of taking my title as hostage after final payment in an effort to obtain information they already have. This is unfair, unnecessary and unprofessional conduct. Any help you may provide would be greatly appreciated.
We are current customers of  Santander Bank with a HARP mortgage. We have an adjustable credit rate so we wanted to refinance to get a lower, locked in rate. We began the process with Santander because they are already our mortgage holders so we do n't need to go through as many steps. We began the process. We are having an issue current  ly with our credit score. We check our own credit scores and they are in the   XXXX   XXXX   and   XXXX   XXXX  , ( wife and husband, respectively ). However, when Santander pulls out credit they are showing a median credit score  of  XXXX . When asked what bureau they are pulling from, they answered that they have a third party who gives them a different number. This is completely and totally unfair. With their number, we have to pay a higher interest rate, so they make more money over the course of the loan.  With the   XXXX   XXXX   XXXX   numbers,  we would be in the highest tier, thus lowering their overall payout on the loan. This should be illegal. Consumers who are careful with their credit, who monitor their credit scores, and still end up getting the shaft because of a made up system by a bank. Please help.
Payment in full was made to the XXXX Bank - XXXX sent payments to MCM - MCM since XXXX 2015 has not returned the overpayment of {$350.00} despite repeated calls and attempts on my behalf for them to do so.
Loss of credit information confidentiality due to corporate negligence on the part of Equifax, date unknown.
I have sent a letter to this firm on a debt to Protas, Spivok & Collins , LLC. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of Virginia.
My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
In XX/XX/XXXX Wells Fargo purchased my mortgage. They purchased it from XXXX XXXX. The ( my ) mortgage is in an Estate name as my husband passed away almost 2 years ago. All documentation was forwarded to Wells Fargo from XXXX XXXX. In XX/XX/XXXX i received 2 different pieces of documentation. One in my husbands name ( whom is XXXX ) and one in the XXXX name. I was very concerned about this being titled correct - so i reach out to Wells Fargo. Well - they would not give me any information on my mortgage that i pay because i was not listed on the mortgage. They did confirm that the " legal '' will/estate paperwork was transferred to them from the prior mortgage company. 

This is causing me a XXXX legal issue - as it is not in the XXXX name. I have been calling for 4 months now. They tell me it is being worked on - and that they see the " legal '' paperwork that i originally sent to XXXX XXXX is in their file with MY mortgage. As of today XX/XX/XXXX - it is still not taken care of. I have letters from them - dates and names of phone calls made - just tried again today - and i keep leaving messages and NOBODY calls me back- however - they continue to take out my mortgage payments!!!!!! This needs to be in the correct time - i get the run around and nobody calls me back. One of my letters from the " Senior Vice President '' with a name - they will not even let me leave a voice mail message. Something scammy is going on with the mortgage - and is causing me a HUGE legal issue. I sure hope someone can help. Thank You
Roundpoint Mortgage is responsible for paying my homeowner 's insurance premium and failed to submit a payment. The billing statement was sent by XXXX XXXX ( my insurance carrier ) on  XX/XX/XXXX with a payment date of XX/XX/XXXX. On Monday XX/XX/XXXX payment had not been received and a XXXX XXXX representative called regarding the payment, and was told that a check for payment would be sent via overnight mail. On XX/XX/XXXX I received a letter from Roundpoint stating that because I failed to renew my insurance, they would be purchasing one on my behalf. The XXXX XXXX agent called again on XX/XX/XXXX to ask about payment and was again told that it would be sent via overnight mail. On XX/XX/XXXX, payment was still not received, and the XXXX XXXX agent again called and was told that they do not ever issue or approve overnight checks and there was no record of the previous requests. The 30 day grace period for the homeowner 's insurance expires on XX/XX/XXXX. I initiated a virtual chat with a representative from Roundpoint on XX/XX/XXXX and was told that they had submitted the request for payment, but that they could not provide me with a confirmation number for the request or confirm it via an email notification. The representative told me that the payment should be made by XX/XX/XXXX. When I requested that it be expedited to arrive by the XX/XX/XXXX grace period cut off, I was told that insurance companies offer an extra 30 day grace period to lender-paid premiums, which is inaccurate. When I asked about a lapse in insurance coverage and how that would be handled, I was simply told that they would not allow that to happen and that I should rest assured that it had been handled. Failure to pay the premium on time, and dismiss additional requests via the insurance carrier and loan originator is extremely unprofessional and careless. Refusing to provide any sort of confirmation code or verification of the payment seems illegal.
According to the duration of my payment it suppose to en d      XXXX   XXXX  /2017  . I noticed that I have late payment which resulted into late fees. I paid the accumulated late fees plus the all payments.My last payment was on the date mentioned above. I called the company ask why you wanted me to pay the principle although all monthly payments are made If there late fees i paid how come you charge me towice the late fees and the principle they said I have to pay the principle or they will not release the title anyway I told I ca n't pay the late fees and the  interest .the compa  ny is Santander USA .
I have an unverified account from originally XXXX XXXX XXXX # XXXX. I had previously disputed this account with XXXX XXXX XXXX they NEVER provided ANY form of Verification or Documentation and this account was deleted from my Credit report as a result.Somehow it was sold to AFNI # XXXX, ALTHOUGH IT WAS NEVER VERIFIED!!! I have never done business with AFNI Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that AFNI # XXXX. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt. This debt has been bought and sold at lease 3 to 4 times already and I plan on suing AFNI if they sell this unverified debt to another collections agency!!!!
I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time.

Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.
I resided at  XXXX   XXXX  apartme nt (   XXXX   XXXX   XXXX   )  from  XXXX  to  XXXX . I moved out at the time that was lease was over and moved into a sister building owned and managed by the same company right around the corner. A year ago I pulled my credit report and realized there was a collection  from Advanced Collection Bureau Inc. I co ntacted the company and told them that I did n't know or understand why this account was reporting on my report. I informed them that I had an outstanding debt from the sister building owned by the same company and I handled that debt. She requested that I send that documentation over. I kept sending via email and fax. The lady stated she never received the documents that I sent. I began to get frustrated with the ordeal and took a break on trying to resolve it, as I realized that it was deleted from my report and added back on. A few months ago, I reached out to the company again as its the only item that I still had in collections that I could n't wrap my finger around. I spoke with  XXXX  and went through the same steps that I went through with the previous lady. He told me that 's great that you settled that but this is another debt that is yours and you need to pay. I explained to him that I do n't understand how this debt is mine if I were never contacted regarding this and I was living i n one of th eir buildings at the time it went into collections. He said he did n't know but I need to pay the debt. I asked him to validate that the debt was in fact mine. He sent me an itemized receipt that is barely readable with wrong contact information on it.
I was trying to get a Job XXXX XXXX XXXX which turns out that my application was denied due to XXXX XXXX XXXX reporting innacurate background check information, I called them and explained the situation which they told me that i had to get in touch with XXXX which I did and XXXX told me to get in contact with XXXX XXXX XXXX the company that provide my incorrect background check which states that i have felonies/misdemeanors in the state of Texas, XXXX XXXX Ca, and South Carolina but I was born in XXXX Ca and raised in XXXX XXXX and never lived in Texas or South Carolina or XXXX XXXX. No one seems to be able to help me out with this situation and this is causing a hardship on myself amd family because I can not pass a background check and get a job due to all these innacurate findings on my record. I feel like identity theft is the reason why and someone is using my identity to commit crimes in other cities/states. Any help helps. Thank you.
On XX/XX/17, I sent a certified letter to ( XXXX ) XXXX XXXX XXXX, in regards to an alleged debt that I owe. I do n't recognize this debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. I received a letter back, showing a total of 3 different accounts from XXXX of Nevada, I have no idea who they are!!! I asked them for written validation of the debt reporting on my credit bureaus for {$36.00}. Now this letter is showing 3 accounts, {$36.00}, {$19.00} and {$19.00}, the letter states all 3 accounts are delinquent and may have been reported to the credit bureaus. I still have n't received the written validation for the alleged debts. In addition, ( XXXX ) XXXX XXXX XXXX has reported this alleged debt of {$36.00} to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
I do not have a signed contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for this collection from this debt with XXXX XXXX. I am not responsible for this debt with LVNV FUNDING LLC.
I 've disputed with Experian about a XXXX XXXX XXXX inquiry that 's on my report that XXXX XXXX XXXX has verified that it does not belong to me and they wo n't remove it
About 2013 I had lost my house because it was unable to sell. The loan amount was alot more than i could actually get for it. The house went into foreclosure. The house sold on XX/XX/XXXX for XXXX. The XXXX mortgage with a balance of XXXX was never taken care of. between XX/XX/XXXX and XX/XX/XXXX i have tried to communicate with them about this matter, they would say ok we will note that the house has been sold and yes it should of been taken care of but in the years it has still been on my credit report saying late/ non payment. I called them again today and i was on the phone for 1 hour and 5 mins. transferred to XXXX departments and no one could help me. At the end they told me that i have dedicated specialist and gave me her number and said it was now marked as a " Charge Off. ''