WillisBack/dataset-financial-user-claim huggingface dataset:
My Scam Mortgage Company is SLS Loan Servicing. XXXX Colorado. 
First of all I did NOT choose this company to have my mortgage with. 
XXXX XXXX XXXX turned my mortgage over to SLS last XX/XX/XXXX, without even asking me. 
All of a sudden in XX/XX/XXXX SLS is CHANGING the Terms of my TAX Escrow and they are essentially DOUBLING my monthly payment to their " Scam '' loan company. 
I believe this is a SCAM to ensure that I am NOT able to make my monthly payments and so that they can Foreclose on my Mortgage. 
I am trying to Change my Tax Escrow and pay through the Town in which I live. 
Instead of paying thru the Mortgage Company, which now appears to be a total SCAM company. They have even charged me Late Payment Fees for which I have NEVER once been late on my payments with their company. 
There was a problem last year when the switch happened for my loan and my payments were not being accepted any longer from XXXX XXXX XXXX, total, total Scam between XXXX XXXX XXXX, XXXX and SLS Loan Servicing. It appears the whole Mortgage Crisis is still a part of the fabric of America. This is absolutely unbelievable.
Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX   XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
- On XX/XX/XXXX. When I booked the air ticket on XXXX XXXX website, a pop up promotions ad which was similar to attached screen shot appeared. So I applied the Chase MileagePlus Explorer credit card and it was approved by Chase. Then I purchased my ticket by using the just approved Chase credit card.

- On XX/XX/XXXX. When I received my first statement from Chase, I did not see the {$100.00} statement credit which is promised in the ad for my first purchase. I called Chase MileagePlus Explorer credit card. The representative said that I can only get XXXX bonus miles and there is no {$100.00} statement credit. I requested to talk to his manager ( the managers first name is XXXX ). The manager promised to investigate and call back to me.

- On XX/XX/XXXX. XXXX called me back. I did not answer the phone, since I was busy. So he left a message on my cell phone. In the message, XXXX said that Chase Card will honor the {$100.00} statement credit, since I did my first purchase with the Chase credit card on XXXX  website. And if I want to get additional XXXX bonus mile, I need to spend over {$3000.00} on my purchase in the first three month. ( I can send you the recorded voice message if you need it ) - On XX/XX/XXXX. I called back Chase Card. The representative said that she can not read the notes from the manager, so she can not do anything, she just let me know how much that I still needed to spend to get to {$3000.00} for the first three month. So I spent my Chase Card over {$3000.00} for the first three month.

- On XX/XX/XXXX. I called Chase Card again, since I still did not see the {$100.00} credit. The representative said that as a courtesy, Chase Card gave me additional XXXX bonus miles, but no {$100.00} credit. I requested to talk to his manager, and the manager still could not make decision. And promised to call me back.

-OnXX/XX/XXXX. A senior manager called me back. He said that I am not their targeted customer and am only the general public. He also claimed that I take advantage of Chase Card and Chase Card did not have that kind of promotions that I have requested.
The issue I take is with the company Experian.

I have filed 4 disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about an account that is not mine. I have called the credit card company that the account with my name is under ... They have no record of me as a customer. I have filed 4 reports all to get this incorrect card/info removed from my credit report and 4 times now Experian has not removed the incorrect information.

Furthermore, I tried calling Experian directly but they're phone service does not accept my SSN or any button inputs. Have tried from numerous phones and encounter the same problem.

Absolutely abhorrent service and company.
I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I went to the bank to stop the automatic payments. After I did this I got a new payment taken out. I have contacted XXXX XXXX multiple times to stop the payments from coming through and they will not stop. I have tried working with them and they are unwilling to. I told them if the could stop the automatic payments and they will not. I have sent a revocation for eft and they will not accept it
On  X/XX/2017    I called Navient customer service per their web site information stating that to contact them in order to have over payment of private loan payments applied to the principle instead of the next payment. The first representative I spoke with made it sound like a drawback that my loan would be paid off early. Her tone was one indicating warning instead of what will be a celebration for me. She almost hung up when I first called because she could n't hear me due to the loud call center she has to work in. I could hear her and the background operators. The language used " move the payment date forward '' or " apply to next payment '' in the phone conversation and on the web site does not indicate clearly to me, as a consumer, that the over payment will be applied to the principal. Then, when I log in the next month after overpaying and thinking the extra was going towards my principal payment, the only difference I see is that my minimum payment has been reduced as they applied the extra amount towards the next payment which is not what I wanted. Furthermore, their web site says that you must contact them in order to have the over payment applied to the principle of a private loan. The customer service agents acted like it was my fault for not selecting the appropriate option when submitting payment online. I know from dealing with them as  XXXX   XXXX  and my additional over payment was not applied to my loan principal that this company is not trustworthy which is the main reason why I want to pay extra to get out of their unethical system.  <P/> " We will apply any over payment to next month 's payment unless you are enrolled in automatic pay or instruct us to do otherwise. * ''   XXXX   XXXX   XXXX   The second rep I spoke with interrupted me instead of listening. She wanted to tell me what was going on with my loan ( I had just made a payment and knew how much the minimum wa s ).   When I explained that I had made a payment minutes before, her response was to laugh and say " It takes a little while for the payment to post. '' ( Please tell me something I do n't know as an  XXXX   XXXX  and an online payment user since they were invented. ) I had to be super assertive to get her to repeat to me the words I used " over payment will be applied to principal in the future '' so I knew there was an understanding for what I needed. She said she would have to send a note to the department which handles payments. I asked if I could receive a copy so that I would know the note was sent and explained my request correctly. Her tone changed when I let her know that I would be filing a complaint with th e Consumer Finance Bureau.   <P/> Pushing a payment date forward and applying to the next payment is not the same as applying the over payment to the principal.
I have been denied several times by Wells Fargo with no explanation. They just say based on their numbers, that I am denied. It does n't matter what I tell them my income is, or my property value, they just use whatever numbers they feel like. I have been speaking to a housing counselor and according to their system, I should be well qualified for a HAMPtier2 or HAMP Streamlined modification. It just seems like I am not being throughly reviewed and just denied. I have a very high interest rate at 6.5 % and my home is worth about {$420000.00} according to my local realtor. If my rate is lowered to the market rate, I do not see my mortgage payment becoming a problem EVER again. I am just asking for help to get caught up because my business slowed down a couple of years ago. I keep getting assigned to the same people who are not taking the time to review my individual situation properly, and seeing that if I just get help catching up, I should not have a problem falling behind again. Please help. I give my full authorization to XXXX XXXX, XXXX XXXX and XXXX XXXX to recieve information on my behalf.
The company uses an automated dialer so most of the time when I answer the call I get nothing but disconnected. They do not leave a message when they call. When I finally connect with someone they are asking for someone I do not know and I tell them that but they keep asking questions about how to reach the person, and are very persistent, annoying and harrassing. 

Also, outlaw auto dialers. ALL persons and companies using autodialers are harrassing people
XX/XX/2012 First Reported XXXX XXXX XXXX XXXX Original Creditor I have never stay in this apartment. This apartment is in XXXX mi XXXX XXXX Is my sister There are a great of names on my credit report thats not mine XXXX forrer XXXX Michigan XXXX This the only address that should be on my report
I have been refinancing XXXX home mortgages. The mortgages are currently with Wells Fargo, and the refinancing was to be through Wells Fargo. The process was started in XXXX, when interest rates were near their all time lows. I was given a rate lock in at that time. They failed to process the loans in a timely fashion, they claim because of a large volume of loan applications and not enough staff to process the loans in a timely fashion. When the loans were being processed, they could not get the HUD correct XXXX XXXX HUD had a closing cost of {$49000.00} XXXX. This required extension of the rate locks, which I have just been informed, incurred a cost to me for the extensions. 
Additionally, they are refinancing XXXX loan at the original equity balance present when the process started, and are not giving me credit for over {$4600.00} in principal that has been paid since inception of this process. Therefore, on XXXX loan, the closing costs are {$3900.00} but the real costs are in excess of {$8500.00}. This problem is in addition to the previously stated lock rate extension costs they have added to the closing costs. This, to me, is a bait and switch. 

I am supplying documents for XXXX loans. The primary residence AND a XXXX residence
I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to US Bank. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
After I graduated from XXXX school in 2013 I was told to put my loans into forbearance because I was sick and unable to work. The problem with this option was that I was never told that the interest was accruing the whole time leaving me with a huge loan that I am now trying to pay off.
When i requested a transfer of a merchant credit from 1 american express card to another, bank made a mistake and withdrew over {$900.00} from my account without notifying me or obtaining my authorization.
Speedy Cash made a hard inquiry on my credit report with XXXX. 
I did not authorized anyone employed by XXXX XXXX to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
I started noticing increases to my private student loans after I was eligible for the reduced interest rate program. I was paying {$360.00} a month when I was in the reduced interest rate program for 15 months and once I was no longer in the program the next payment was {$540.00}. Then the following month my payment increased again to {$570.00} and then again to {$570.00}. These slight interests every month has made it harder for me to save money for emergencies. It seems as if after leaving the reduced interest rate program the loaner has slowly increased my payment to make up for the money they were losing from when I was paying a reduced interest.
the balance in full of {$230.00} on  XXXX / XXXX /   17  and the company states they have a hold on the account because the funds have not cleared. However the funds cleared my account on  XXXX / XXXX / 17 . Still it is now  XXXX / XXXX /   17  and they still have a hold on my account stating it still has not cleared.
In XX/XX/XXXX, called Navient to determine how me as the co-signer of the loan can be removed from the loan. I was informed at that time if I made 12 consecutive payments in the amount of $ XXXX monthly I could be removed from the loan. At that time, I set up to have the payments automatically deducted from my checking account. The payments were taken every month until XX/XX/XXXX. 

As a resident in the state of FL, I was impacted by XXXX but I never requested to have the deductions stopped. My daughter called this week to have the payments moved to her checking account and to have me removed from the loan. Now they are stating that I would have to start the process all over again, as if I never made those payments from XX/XX/XXXX - XX/XX/XXXX. 

Also the representative was very disrespectful, unprofessional and hung up the phone on us.
I received a letter from XXXX XXXX dated XX/XX/2018, stating that my Walmart credit card account was closed due to my credit score dropping to XXXX. This isn't my correct credit score ; I also opened this account with this type of credit score. At this time my account was in good standing. 

I contacted the company to re-open my account and they would not do it.
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was sprint. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report
Navient has created a false account under my name with an address that I have never lived, They have been reporting inaccurate & incorrect information on my credit file. and has been adding ridiculous fees & interest of {$200.00} to XXXX every month.
I have debt collectors calling my home phone number XXXX constantly for debt they are trying to collect for other people with the same last name or people who are in my family. They call and leave threatening messages constantly about serving papers to XXXX XXXX ( not me or anyone in my household ). If I pick up the phone the autodialer hangs up on me every single time. They call from toll free numbers, numbers showing fake names ( caller ID Spoofing ) or cell phone numbers with area codes all over the country with no names attached. I am sick and tired of the abusive calls to my home all day and night. On XXXX/XXXX/15 XXXX CST they called from XXXX. Over the years I have told them repeatedly that I am not XXXX XXXX nor am I paying her debt. I do n't think I should have to change my phone number because of these calls.
i was in XXXX california near XXXX in a hotel ( booked using my american express card ) when someone used my card to make fraudulent purchases in XXXX - 6 hours away at XXXX different XXXX stores in close proximity to each other. american express fraud '' investigation team '' determined that i made the purchases and suspended my account " due to a violation of member agreement section XXXX ''. i tried to resolve this issue with AM, to find out exactly how they came to the conclusion they did, namely how was i in XXXX places at once, but all i was given is rude dead end answers. i was told that there was no one i could speak to besides their " hotline manager - XXXX, who said he could not give me his last name. i was told by one lady that i could contact the customer care center and they may reopen my case but then XXXX said that was untrue, that there was nothing else that could be done for my situation ( all of this said on their " recorded line '' ). the worst of this is that i DID NOT MAKE THESE PURCHASES and its like these people do not care at all.they locked me out of my account, so i could not obtain any information regarding this. i am out a few hundred dollars and my only credit card up to this point.someone stole my information and used it and yet im the one they point the finger at and completely refuse to see the lunacy in their accusation..i am appalled that these people are able to continue doing business in this manner. if i have to go to court to resolve this, i will. if for nothing more than principle.
I made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.
Hello, On XX/XX/XXXX, I enrolled into a repayment program with the company XXXX. Beginning on XXXX, and continuing on XXXX, and XXXX, monthly credit card payments were deducted from MY bank account towards my balance with XXXX. 

I was told that after my last payment on XXXX that my account would be made " current '' on their end internally, and that I would receive a new statement, and updated balance to be paid in XX/XX/XXXX. I was also told that my account wouldn't be considered late, or reported to any CREDIT REPORTING AGENICES, as I was making the agreed upon payments. 

In XXXX I began receiving " account past due '' phone calls, letters and emails ; despite having made 2 payments at that point. I contacted XXXX, and was told that this was an error on their end, and that it would be corrected, and my account was not being reported as being delinquent, on either their end or with the credit agencies. 

Two days ago, on Saturday XX/XX/XXXX, I received notice in the mail stating that my account was more than 60 days past due, and after checking my CREDIT REPORT, I noticed that XXXX had reported me for nonpayment. I spoke with XXXX again, today, XX/XX/XXXX, and was told that my account will be update by mid-month, but that the customer service representative I spoke to couldn't correct the INCORRECT issue report to the 'Big 3 ' Credit Bureaus. This is what they told me last month, and their incorrect, and deceptive practices are effecting, i.e., lowering my credit score.
We were approved for a modification on XXXX/XXXX/2016 pending XXXX trial payments beginning XXXX XXXX, 2016. We made those payments and have made XXXX more monthly payments. On XXXX/XXXX/2016, I was told that I should have received the documents for the final modification 30 days after they received the last document, which was received on XXXX/XXXX/2016. On XXXX/XXXX/2016, the website showed that the Property appraisal was received. On XXXX/XXXX/16 I was told that they were working on final terms and we should receive a package any day. On XXXX/XXXX/16 we received a letter that SPS was waiting for information from a third party to complete the review. The letter stated that they received that information and they should be able to complete the review in 30 days. As of today, the file is still pending.
I have  sent Quality re covery services, inc money orders showing I did not live in   XXXX   XXXX   in  XXXX  of   XXXX   they keep sending me a lease from  XXXX  like that proves something. I sent them proof that it was n't the first time this complex has tried to say I owed them when I did n't. they changed management many times because of their not so ethical tactics. I have never owed or ever paid my rent late, I 've told this collection agency that this is false information and not true and to remove this off of my credit report. I know that they do not have a contract that I signed with them, showing me an old lease is not sufficient especially since I sent proof of money orders paid to another complex in  XXXX  of   XXXX  . Please have them remove this information from my credit report. Thank you, sincerely
i did applied for a loans XXXX XXXX   XX/XX/XXXX, The Equifax report was seriously delinquent.credits obligations unpaid. I had called Equifax and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, Adress XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. Equifax advised me to call the collecting agent XXXX   XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE. XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified Equifax, Equifax investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to XXXX XXXX   and still they repor Delinquency Please help me
The Discover Bank refuse to provide me a monthly statement including ONLY the transactions for that month for XXXX and XXXX ( say quarterly end ). 

They do provide monthly statement on XXXX, XXXX and XXXX, but for the XXXX statement and the anticipating XXXX statement, they include all activities in that quarter ( say it becomes a quarterly statement ). 

I asked them to provide me a monthly statement in addition to the quarterly statement. But they refused to do so.