WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a mortgage on my property a year before Countrywide was bought by Bank of America. I was promised by Countrywide that my interest rate would be adjusted after a year or so. The Interest Rate was 8.85 % and my monthly payments have been for {$630.00} /mo. I have never missed or been late on any payment since. I started inquiring about a lower interest rate for my lo re-financing my Mrtg for at least 8 years now and always receive the same answer. Since I do n't have a XXXX XXXX or XXXX account there is nothing that can be done. My mortgage is under {$68.00} and it is still being met every month. 
As of XX/XX/XXXX I XXXX and am getting a little concerned about my ability to continue without a refinance to a lower rate. Of course since the GR I have been under water as my home has assessed for @ half of what it was valued at then. My retireme nt pkg can keep me viable for a while, but who knows how long I can keep going. I have asked at least 5 times to refinance the whole value at a lower rate but they say I am too far under to be considered. 
If you can help me to re-fi I would really be happy. 
I want to pay back what I owe, I only need to reduce my payment. Let me know what I need to do to get you all the necessary information. I have been pay ing this for around 9 years now at 8.85 % I see all these multi thousand dollar mortgages being re done and I do n't understand why they are hesitant to do mine. 
Thanks! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
My mortgage loan was sold to Seterus XXXX XXXX. I went to by a car in XXXX XXXX and was denied a loan. It was discovered that Seterus was not reporting my mortgage payments which caused my credit score to drop by almost XXXX points. I immediately called Seterus and they identified that my mortgage payments were not being report and stated that they would start reporting and it will take 30 to 45 days. After 45 days they were still not being reported and I called them again. I was told that they only report missed payments. I contacted XXXX XXXX to file a complaint and XXXX @ XXXX XXXX XXXXXXXX XXXX contacted Seterus to advise them that they need to correct this by reporting my payments. They advised her that they had problems with there system reporting payments. As of XXXX XXXX they reported to XXXX only and falsely reported that they have had my mortgage since XXXX. The last credit report I pulled showed this and it also showed that the last payment that I made was XXXX of XXXX. This is incorrect because I pulled the credit report at the beginning of XXXX and I paid XXXX, XXXX and XXXX 's payment on time. I am trying to buy a car and move into a new home and this has negatively effected my way of life in a tremendous way.Thank you for your attention to this matter.
I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. 
I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.
On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.
Around XX/XX/XXXX I sent an dispute letters to XXXX, Equifax,  and XXXX disputing about the following inaccurate information : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX Around XX/XX/XXXX, I called all credit bureaus for updated investigation status. I was told by XXXX that they had received the letters, but has not gotten to investigating XX/XX/XXXX yet, but was behind in the mail so they were still investigating XX/XX/XXXX. Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX.I was told by the apartment complex that this same information disputed in XX/XX/XXXX was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all 3 credit bureaus. In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help. Thanks XXXX XXXX
There have been litany of problems regarding the reporting of my credit by credit reporting agencies, as I try and fix them I'm being met with obstruction. After requesting and receiving a copy of my Credit report from Experian, I found several problems on it. I then tried to challenge the problems on the report, and found that I was unable to challenge them online. When I attempted to challenge problems on my report, I was receiving the message " Unable to challenge online, you will have to contact Customer Service ''. I then contacted Customer Service and explained the problem that I was having, and was asked several questions but the Customer Service Rep.

After answering the question the Rep explained that I wouldn't be able to challenge the information on my report because one of the addresses that I gave wasn't on the report. I explained  that this doesn't make sense, that the information on my report is incorrect and this is why I need to challenge the information. I asked why I couldn't challenge the information, and was told " I can't tell you that ''. When I asked to speak with someone else because this makes no sense, the Rep. then hung up the phone on me, can you help me with this problem?
I was surprised by owing a large debt for electricity in a rental I believed I was not supposed to pay for. It went into collection, I realized I am actually responsible for the debt, and started dealing with my electric company regarding it. The power company informed me I can pay them directly, and bypass the debt agency. 

The number they are contacting is my work number. I have no idea how they got my work number, but they call it almost every day. I told them to stop calling it. They also send bills to my work address. I have a personal phone, and home address where my electric service was at, so it is odd they continue to call my work phone. 

I have asked them to stop, but it seems to do nothing. 
XXXX are only the calls I have recorded the dates/times ... there have been more. 
They call from the number : ( XXXX ) XXXX CALLS : XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST
Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist.  We have no unpaid debts with any company.
I am XXXX years old and in poor health. I have been disputing a hospital bill for two years and this company called me several times to collect. All along they were nice but this one gentleman was badgering me, asking why I cant use my Social Security to pay it, and making me come up with money I dont have. He wanted me to set up payments but I am on a strict budget. He was very rude and would not let me speak and when I tried to speak he told me I was not cooperating. He was rude and condescending, and insinuated that because I had Social Security coming in I must be able to afford it. This episode made me extremely ill and he did not even care. He even told me to go borrow the money from someone.
I have been a customer of Ace Cash Express for many years and I have never experienced this problem with this company before. I have tried for three days to get someone to correct this problem, but I keep getting the runaround and different responses from different people I talk to. 

I took out a payday loan in the amount of {$1200.00} which was deposited into my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I refinanced the loan and paid the fee of {$240.00}. On XXXX XXXX, XXXX, I refinanced the loan again and paid the fee of {$230.00}. However, now when I logged into my account online it says my current fee has now gone up by nearly double the amount and it is {$420.00}. 

I called three days ago to inquire about why my current fee had now nearly doubled and one lady told me that in the state of Ohio the APR can go as high as 5 % and my APR jumped from 2 % to 3.5 % when I refinanced, however, I do not find this APR information on my refinance documents, and I do not recall seeing this on the refinance loan documents I digitally signed. 

I have never had this happen to me with Ace so I was n't expecting my fee to nearly double. I called and spoke with " XXXX '' and " XXXX '' and they both told me that " corporate '' was investigating my account to find out why my fee when up so much and someone would be calling me back noon three days ago, or yesterday, but no one has called me back and every time I call, I get a different explanation of what is going on. 

Additionally, on the company 's website you can clearly see the Ohio Department of Commerce 's  rates and fee schedule and for the amount of loan I took out, on this schedule, it shows my fee should be around {$200.00}, not nearly {$500.00}. 

I am concerned because XXXX XXXX, XXXX is coming soon and Ace is either going to expect me to pay over {$1600.00} to pay this loan off in full or to pay another extension fee but this time instead of around {$200.00}, they are wanting nearly {$500.00}. 

I do not think this is fair because their fee/rate schedule for the state of Ohio that is listed on their website is not reflective of what they are charging me in their refinance documents. I have never seen a fee like this double being a customer with Ace. I would like this corrected immediately.
I usually make payment my self and never been late on payments. 
This year my wife is not working and XXXX was close, I have XXXX kids and trying to make happy every one on this XXXX. 
Month of XX/XX/2018 was last day to make the payment and I very busy at work till XXXX : XXXX   and got my paycheck. 
I submitted my payment on last day after XXXX : XXXX .They are saying you made this payment after work hrs.
I settled the debt with Penn Credit Corp in 2012 in the amount of {$210.00}. It has recently hit my credit report as an active open collections account. I need to know how to have it marked as closed or removed from my report all together.
Company has violated my rights under federal law.
Failed to provide a description of the procedures used to determine th  e accuracy and completeness of the information, including name, business address and telephone number.   Failed to provide confirmation that a copy of the revised consumer report was sent to those who requested a copy during the preceding 6 months since  X/X/2016     Failed  to place consumer statement per my prior complaint #  XXXX .     They allege the information was sent per prior complaint but have no proof since they failed to provide information in an attempt to violate consumer rights. They also allege they where unclear as to my computer statement yet they have been notified as per complaint #  XXXX . At this point I require proof of compliance to all my requests along with the name and address of there registered agent.
( Upon communicating with CFPB over the phone regarding initial claim # XXXX, was advised to open the new one due to dishonest and misleading response of Hyundai Motor Finance ). 

1. Company states the vehicle was retuned late on XX/XX/XXXX. This is a lie - it was returned early prior to the maturity date. Returned promptly on XX/XX/XXXX. The proof is attached ( receipt by the official dealer as well as date/time stamped photos in the lot ). 
2. Company states that it sent multiple letters due to vehicle not being returned. Two lies! First, returned early. Second, none of the letters were received. 
3. Company states that it made attempts to notify me of {$420.00} balance due during XXXX. This is actually true. HOWEVER, my first letter with {$420.00} payment was mailed on end of XXXX. It, for some unknown reason, did not make it to Hyundai and was never posted. I was then out of country due to family emergency and did not receive XXXX mail. Upon return on XXXX, attempted to send {$420.00} electronically. Hyundai rejected the payment ( see attached ). Finally, made payment on XX/XX/XXXX. 
Numerous payment attempts!! 
4. Company states that I made 7 complaints to various agencies. Lie! I made 2 so far ( BBB and CFPB ). Prior to that I attempted to resolve with the company directly on countless occasions. I was not treated with respect. No respect and courtesy were given to 7 years loyal client with outstanding payment history. 
5. If company denies again, complaints will be filed with FTC, Attorney General, etc. Additionally, numerous complains will be posted around the World Wide Web.
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze and unfreeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
I was asked to pay for a debt by Chase Cardmember Services. They never gave me money for the debt they are trying to collect on. There is no first hand knowledge of anyone within the company witnessing this money being given to me. They have harassed me with phone calls, destroyed my credit, by reported false negative claims to the credit reporting agencies. On XX/XX/XXXX, they sent me a letter that they must receive payment of {$610.00} or else the account will be charged off as a bad debt. I received a notice dated XX/XX/XXXX that they sent this to XXXX XXXX , XXXX to try and collect this debt saying I owe {$2400.00}. I then received a letter from XXXX, that they are now trying to collect on this and that letter was dated XX/XX/XXXX. I then sent a response letter, certified mail with a response to stop and with questions to be answered. I never received anything back regarding this and they are continuing month after month reporting negative claims to all credit reporting agencies damaging my credit more and more. I called them today XX/XX/XXXX to try and settle this dispute but they would not settle and did not offer me a resolution.
Experian has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX XXXX AND XXXX. These are closed accounts but has otherwise been paid in full.
I started attending the XXXX of XXXX in XX/XX/XXXX. I was recruited from XXXX by the school over the phone which is located in XXXX. I received very little information on my loans after starting and was only told to sign on the dotted lines. I was told they had high job placement and that the market for XXXX in XXXX was great. Loan terms were never fully explained when I started and almost all of my financial assistance was in the form of multiple loans. The XXXX 's programs was {$38000.00}. I finished with an XXXX and was somehow {$45000.00} in loan debt. I have all the original loan estimates from XXXX that show figures closer to the {$25000.00} range and can not figure out how my loan balances got so high when the total cost of the program should have been much, much lower. I graduated in XX/XX/XXXX and they still have not sent my paper diploma nor will they return my calls. ( I do n't even have my diploma from them after graduating! ) They did very little to help me find a job and when I took up a job in retail just to make ends meet they marked me complete for finding a job and stopped assisting. XXXX serviced my loans at first and whenever I would call to report financial hardship I was advised to defer my loans. I was not told my loans would continue to accrue interest. I still have multiple pamphlets on deferment/forbearance options from XXXX and XXXX as these were the only options explained to me. XXXX eventually consolidated my loans so I could not see the individual loans I had taken out and then sold those loans to Navient who has also kept them in deferment/forbearance. I ca n't get any assistance figuring out why my loans are so high, why XXXX seems to have over charged me, or why my interest rates are so high. I inquired about loan plans and they sent me information on plans that resulted in me paying more interest than my loans. My loan balance is currently {$69000.00} and under any of the XXXX plans they offered I would end up repaying at minimum {$130000.00} ( with some of them going up to {$150000.00}!!! ) That 's almost ( or more than in some cases ) double my loan amount! I ca n't get answers on what happened during my prior consolidations, why my loan balance is so high, or why I 'm only being sent information on loan plans that result in me paying double the amount of my loans. There have been suites against XXXX and its parent company XXXX for defrauding students into attending in order to take advantage of federal assistance - I feel that I was a part of those numbers. There were suites against XXXX for pushing students into deferment options without explaining terms - I was a part of that. There are now suites open against Navient for the same thing. It has been frustrating and financially draining to be pushed around from company to company with no understanding of my loans and no one to assist me.
The PMI for my mortgage is due to expire XXXX 2015. It is still listed on my XXXX statement. I have tried, unsuccessfully, several times to contact Green Tree to ask about this. The XXXX XXXX individuals that I spoke with on XXXX XXXX thought that I was referring to homeowner 's insurance.. I then asked to speak to a supervisor. My call was forwarded and went to voicemail. I left a brief message, and my phone number, but no one returned my call. I called again on XXXX XXXX and asked to speak to a supervisor. None were available. On Tuesday I returned home to find a letter from Green Tree, saying that I had " orally denied that I owed my mortgage ''. That is completely false! The only thing that I denied was their request to use my office phone number to contact me if there was " a change in my mortgage ''. I tried to call yesterday, but when I refused to answer what my intentions are for my home, as I have done for each and every call, no matter how close together, they refused to put my call through. I have tried sending an e-mail through their secure site, but they will only respond via US Mail. This time, when I did try to use their secure e-mail, it would not go through. They list only XXXX phone number. My phone calls are not returned. I am seeking information about the expiration of the PMI, as noted in my original loan documents, on my mortgage before the XXXX payment goes through ( they only use automated payments ).
XXXX has deleted 2 accounts from my credit report finally. However XXXX and experian are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted XXXX today XXXX/XXXX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by XXXX they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for XXXX and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit
I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my Equifax and XXXX credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted Equifax and XXXX to see if I could request a removal of said inquiries to no avail.
On my Equifax Credit Report, the account " XXXX XXXX XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.