WillisBack/dataset-financial-user-claim huggingface dataset:
Long Mortgage, A division of XXXX XXXX originally wrote my Mortgage loan and I specifically asked if I could make partial payments on the loan or bi-weekly payments and was assured that I could and such payments would be applied immediately and per the instructions I written on the check or in the notes. Essentially allowing me to pay down the mortgage faster and with less interest being paid overall overtime. Based on The answers that were affirmative I agreed to the loan. My credit score is excellent ( XXXX ), I put done a hefty down payment of {$400000.00} on a {$650000.00} home taking a loan for only {$250000.00} ), and the timing of my loan such that I got a XXXX 30 year fixed loan. 
Subsequently, ( In XXXX specifically, my loan was sold to JP Morgan Chase Bank , NA and I was told that partial payments would be sent back to me unprocessed and that only full payments would be accepted and per the terms of the loan ( principal & interest ). I immediately contacted them via their call center ( XXXX/XXXX/2015 ) and escalated my issues to a senior manager. I was told that my only choice was to cancel the loan. At this point I am in my new house ( it was a new Single family home purchase ) and the rate would not be as favorable on a 30 year fixed. Also we are amid boxes and finding all the documents and starting the entire process which took 45 days and more to complete is not in my favor. 
I finally got an option of going back to the original lender 's back office and having them submit ( in writing ) an amendment stating those terms on my loan and having them send it to Chase Bank. I has now been 2 weeks and I have had no definitive response. I am concerned that my time to change or make a decision will run out. How or waht can I do to insure that I come out whole in this fiasco? 

Thank you, XXXX XXXX
First off I paid off a repo ( that I believe was unjustly taken ) in full through a collection agency XXXX XXXX XXXX At the time ( X/X/17 ) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who 's response was we do n't know who XXXX is we deal with XXXX so you need to deal with them regarding this account. Fair enough - XXXX sold the account to XXXX XXXX who then sold it to XXXX. I was told the account would be removed from my credit report - It has n't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That 's complaint number one - Complaint number two that I 'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind ( 2 months ) and she called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explain the loan was in default and they had the right to repo weather it was volunteer not. By AZ  law they said that 's all they required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. This is my last attempt to get this off my credit report before I contact an attorney.
I have disputed XXXX XXXX  several times with the credit Bureaus due to inaccurate information showing on my credit reports. Experian continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Experian is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being reported. 

Previously Experian stated that they submitted my dispute to XXXX XXXX and XXXX XXXX verfied the information as accurate, however Experian is the company that is reporting the inaccuracies and it is their duty to complete a full investigation. Forwarding my dispute to another company is not equivalent to an investigation.
In XX/XX/XXXX, I consolidated my XXXX XXXX XXXX and XXXX XXXX XXXX student loans into FFEL Consolidated loans. In XX/XX/XXXX, the College Cost Reduction and Access Act of XXXX was passed. I contacted my loan servicer in XX/XX/XXXX/XX/XX/XXXX concerning this program and what needed to be done. I was told I was eligible because my original loans were XXXX XXXX. I waited based upon this information. I checked on line in XX/XX/XXXX and everything seemed fine. I applied to XXXX for Public Service Loan Forgiveness as I had made 120 payments since XX/XX/XXXX and had worked in public service for 10 years. I was denied because my loan didnt qualify, the first time I was told this. They told me I had to consolidate into a Direct Consolidation and wait another 10 years. My current loan would be paid off in XXXX.
I disputed the debt. The account was opened with XXXX XXXX In 2012. I contacted the agency to make payment agreement. Portfolio asst. said the only take checking or savings account. Also, This company falsely reported to XXXX that this a new debt and it brought down my credit score by XXXX. The Supervisor told me its because I disputed the debt. I never disputed with XXXX it was on the credit report he told me to pay my bills on time very disrespectful man
I have written to Specialized Loan Services, LLC to obtain documents associated with my refi loan. As I understand it, when loans are transferred from one lender to the next, all of the documentation goes to the 'new ' lender. 

As such, I would like to obtain copies of the following documents : 1. all of the originating loan docs from my refi with XXXX 2. the payoff disclosure statement from XXXX, stating the exact payoff amount remaining from the previous loan - this money was folding into my refi 3. a  copy of the cancelled check and or electronic payment showing payoff of the remaining balance for the XXXX loan Please provide me with this information. Thanks.
I have never done business with Plaza Services. I do not have a signed contract not any contract with Plaza Services. I have a right to demand a copy of such contract between Plaza Services and myself.
I am a XXXX XXXX XXXX XXXX and I have a Military Star Card credit card. The Military Star credit card program is administered by the Exchange Credit Program or ECP. The Army Airforce Exchange Service ( AAFES ) is custodian for the Exchange Credit Program Military Star Credit card. The ECP further reports the payment history and status of each military star card to XXXX  credit bureau. Although all other military servicemembers and veterans military star cards are reported monthly to XXXX, the military Exchange Credit Program and the Army Airforce Exchange Service continues to discriminate against me by willfully failing to report my Military Star Credit Card excellent credit history to XXXX. The ECP and XXXX administrators are willfully conducting unfair pattern and practice against my excellent military star card payment history further preventing its contribution to my XXXX  credit rating. The ECP and XXXX  further reported my Military Star card to Transunion but they added a fictitious late payments for XX/XX/XXXX and XX/XX/XXXX on my Transunion credit report as admonishment because of my complaints. My Star card is paid by automatic debit from my direct deposit checking account monthly and it is impossible to receive a late payment. My military star card has always been paid by direct debit from my direct deposit checking since it was opened.
On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so XX/XX/XXXX credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( XXXX, XXXX & Experian ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. Experian took the full 30 days to make the update although they said they would expedite the request. During phone conversations with Experian the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with XXXX  and XXXX  it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.
I have noticed a negative entry placed on my credit report from Credit Protection Association for a XXXX  account. I had correctly canceled XXXX and terminated my service with them back in the spring. After speaking with CPA, they informed me the debt is for unreturned equipment. this is false, the technician whom came to my house to install a different XXXX service took all my equipment. I called XXXX and they confirmed there is no debt owed, and that the collection assignment was an error. I have tried to communicate this to CPA but they are impossible to deal with and keep pointing the finger to XXXX, and XXXX is doing the same thing by saying it 's CPA 's fault and to contact them to cancel the account.
My loan was sold to Shellpoint Mortgage Servicing, XXXX, SC, My payment is due on the XXXX of the month, but not late until the XXXX of the month. By the XXXX of the month, I am getting phone calls on my job, home & cell phone from XXXX to XXXX everyday, from XXXX to XXXX times a day. I 'm not even 30 days behind, and if i 'm late, I simple pay the late fee when i 'm late with no problem, but I still get the calls all day long and I ca n't block their number. I could see if I was XXXX to 180 days behind to get the calls, but I 'm just late, and I still get these calls every month for the past year. I have contacted them several times, to stop robot calling me everyday. This is harassment!
I work for XXXX XXXX XXXX. I had a customer who came in and said they had paid a vendor with their XXXX XXXX XXXX checking account. The vendor took the check to his bank at Chase and they placed a 10 day hold on the funds. The XXXX XXXX XXXX customer came in to our branch trying to see if there was any way the check hold could be released. Explaining to our customer that once the check clears his account we would be able to contact Chase and let them know the hold can be released. The next day when speaking to the Manager of the local Chase branch in XXXX FL. When speaking to him I explained why I was calling and he said that he was told anything about this and that he would n't release the hold. He told me that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the only XXXX banks that do not provide information to him about their clients ( Which federally we can not ) and because of that if any customer comes into their bank to deposit a check from either of these banks he has his staff automatically place a 10 day hold on the funds, even when not warranted. I was appalled at this comment and felt the need to contact you. This branch, and possibly others are places unauthorized holds on account holders deposit accounts and denying them their funds.
I contacted Syncrony Financial over the XXXX to close a Care Credit account. I spoke with a customer service rep and confirmed several times that the care credit account was paid in full and would be closed. It turns out Syncrony did not close my Care Credit account and recently sent me a new plastic card. I just called and the customer service rep told me an account related to a mattress purchase was closed. The last activity on this mattress account had occurred in 2009 and should have been closed at that time following a phone call I had made to close the account. It seems Syncrony is not closing accounts as requested.
I requested my credit report from XXXX and Experian around XXXX XXXX, XXXX. In the reports from XXXX and Experian, I found several mistakes : 1, In both, there are XXXX XXXX credit cards but only XXXX is actually mine. 
2, In Experian, there are XXXX reported names but I only use XXXX name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only XXXX card associated with my social and name. Somewhat relieved, I filed XXXX disputes with XXXX and Experian in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of XXXX and Experian because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again XXXX ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have XXXX credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/XXXX provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not Experian. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because Experian/XXXX would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from Experian/XXXX.
To Whom it May Concern, I recently refinanced with the XXXX. They sold my mortgage back to Bank of Oklahoma ( BOKF ) overseen by XXXX. I was told by XXXX XXXX not to make any payments until XXXX 2015, in which I followed his direction. On XXXX, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ), who provides our Homeowner 's Insurance. The letter stated that our coverage was being terminated in full as of XXXX. I called XXXX who confirmed that a payment was received that day, XXXX/XXXX/15. XXXX informed me they requested payment XXXX from BOKF as we trust them to oversee our escrow account. BOKF made excuses that their office moved from Michigan to Ohio, and stated they had sent a letter to XXXX informing them where to send payment request. All of this finger-pointing needs to be addressed. While my coverage was n't actually terminated, it did cause great, unnecessary stress in my life. To make a payment one week before termination is completely and entirely unacceptable. I will be refinancing ( again ) and will insist on a clause that our mortgage will not be sold to BOKF or XXXX. Please do not let them get away with these actions, or lack thereof. 

Thank you for your time. 

Regards
XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. 
Below is the email that I sent to XXXX on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. 
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account. 

1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account. 

Please feel free to contact me with any questions. 

Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I purchased a {$100.00} moneygram money order and it was in my possession for a period of time I deposited the money order to open an account the money order was returned insufficient funds I was provided with a paper copy I called moneygram and was advised because I had it over a year it was no longer worth {$100.00} which I did n't know It was now worth {$70.00} but there were additional fees of {$18.00} to get my money back from the company none of which was explained when I purchased the product
We have a XXXX mortgage with Fifth Third bank for the past 15 years and it has come due with XXXX still owed. It was a fixed rate installment loan and I was late several times but I have also paid most of the late fees. We have tried to get help to understand why we still owe so much but have not gotten anywhere. They apply our payments wrong and charge us late fees even when we are not late. I 've gotten the history and do not understand the way they apply the interest and principle and when I paid extra they did not apply it to the late fees. I would like to have this investigated or audited before I pay the total amount due. I know I owe money but I do n't feel it can be that much.
I do not deny that I am usually late on my car payment however, I get phone calls on a daily basis starting the very first day the payment is due and it is n't just one call it is several calls per day and the the Finance company does n't leave a message. I have XXXX phone service and every call coming in or out is logged. My house phone also logged the call and is an answering machine. I have told the XXXX XXXX XXXX customer service people several times that this is a violation but their response was they are going by their company policy. I do n't think they care about consumer protection laws.

This has been going on since I purchased the vehicle almost 4 years ago. I get behind but I always catch up and for the most part I am usually only a week to 10 days late and I pay the late fee.

I think 1 call with a message would be sufficient but they see fit to continually harass me.
When making a purchase at XXXX, the sales clerk asked if I wanted to join their rewards program and receive 10 % credit towards future purchases. I thought that sounded like a great deal and said yes. When I received a XXXX/Comenity credit card in the mail, I was surprised and angry. Foolishly, I did not read what the clerk put in front of me to sign, trusting that it was simply pro forma Rewards membership. But I was fooled into applying for a credit card I do not need or want.
Capital one was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and  I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date capital one has failed to do this on both of my accounts. I have started a legal process against capital one. If this is resolved the process will be withdrawn immediately. I have contacted capital one about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. Capital one XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. Capital one did not send out the required bills to receive payments.
Late XXXX I applied for loss mitigation and in XXXX I received a letter saying my application was being processed ... On XX/XX/2018, I received a letter saying I am ineligible for loss mitigation, then on XX/XX/2018, I received a letter saying why I'm ineligible and the other dated XX/XX/2018 saying I had until XX/XX/2018 to decide if I would be doing a short sale, as noted this is now too late ... I then call XXXX, XX/XX/2018 and tell them everything listed above and ask how to stop for closure and they tell me to pay {$1200.00}, then next day XX/XX/2018, I sent a check for {$1500.00} to the Illinois p.o box, the check was signed by my father in-law, with a note that has my name and account information so there wouldn't be a mix up..I then called XXXX and talked to XXXX extension XXXX , and he noted check was on the way ... so to my surprise I received a letter on XX/XX/2018 saying I for closure proceedings may happen if I don't dispute and so I'm disputing ...