WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage was sold by XXXX XXXX and Select Portfolio Servicing had my loan. From before they had my loan they assessed a late charge in XX/XX/XXXX. Not only did I not pay late but they did not get my loan until XX/XX/XXXX. According to XXXX XXXX 's own loan information my payment was received on the XX/XX/XXXX. And like I said I paid XXXX XXXX as I was supposed to until XX/XX/XXXX. I had to call and have the late fee removed but my question is, why was one assessed on a loan they did not even have yet? Also over thirty thousand dollars was added to my mortgage balance and would appear and disappear throughout the 6 months they had my loan. No one could explain this 34,000.00 dollar plus amount that was added. I was so disturbed about it I started looking to refi my loan. In XX/XX/XXXX yet another set of late fees were charged, when even their own paper work shows my payment was paid on time. I am including copies of bank statements showing that all of the payments cleared my bank on or before the XX/XX/XXXX which was all on time. Payments were not late until the XX/XX/XXXX. This company is so scary. They not only assess late charges on payments that are n't late but added over thirty four thousand dollars to my loan on a whim! I have since refied, paying thousands of dollars and raising my payments XXXX per month just to get away from them. This company should not be allowed to conduct business anymore. If you XXXX the name of this company you will see hundreds and hundreds of complaints. Rated a 1star on many sites.
I have made my payments online through my XXXX Bank bill pay. Your company has received these checks, cashed/deposited them. Yet your staff continues to call, stating I have not made my payments. They are rude, unprofessional and raise their voices to me. 
I have the cancelled checks through my bank showing you have cashed/deposited them. Then you charge me " late '' fees when I am not late. This is against the law. 

I have filed complaints today through XXXX agencies about unfair practices, charging late fees and harassment from your staff. 

I have proof of these payment via cancelled checks. This site does n't allow me to attach the checks. I can attach these checks showing they were paid/deposited by Springleaf before their due dates. 

Since Springleaf has taken over my loan this is the XXXX or XXXX occurrence illegally charging me late fees and falsely accusing me of not making payments after you have cashed my checks.
On XX/XX/2018, I received a letter from my current mortgage company ( XXXX XXXX XXXX ) informing me that they sold my mortgage to Carrington Mortgage Services , LLC . As of today, XXXX XX/XX/2018, I have received no information from Carrington, who according to XXXX XXXX XXXX will be servicing my mortgage beginning XX/XX/2018. I believe that they ( Carrington ) are legally bound to notify me that they are taking over my mortgage within 15 days of the transfer date, and provide me with the appropriate information to continue to pay my mortgage. They have not. Please advise on what I need to do.
I have applied for American Express XXXX card in XXXX of this year. There was an attached bonus of XXXX Membership rewards points after spending {$3000.00} in 3 months. I fulfilled the requirements and did n't break any rules. In XXXX I converted it to Amex XXXX card, with lower annual fee. 
There was no stipulation to keep Amex Platinum open for a certain amount of time. Unfortunately, American Express took my bonus XXXX points anyway. When I called them, they said they felt like I 've abused the program ( their words ). 
When I contacted them to convert the card, at no point did the representative let me know that I 'm risking my points. In fact, he told me that I will keep my points. 
I did n't violate any rules, and there was nothing in the contract to prevent me from converting the card. They also charged me an annual fee of {$450.00} upfront, though they did refund me a portion of it. Still, I paid several hundred dollars and got nothing to show for it. I hope you can help me. Thanks.
My credit report had hard inquiries not allowed by me not sure if it 's for marketing but I 've written equifax XXXX and XXXX to no avail about this. Many hard inquiries are against my permission : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have a credit alert on my account and I 've written each company directly.
i got a call from a number with a partial voice mail i didnt know who it was so i left a voicemail to contacted back and when they called back a couple days later they said they were lincoln XXXX to collect a 10 year old bank debt for US Bank and that they had been sending information to address in another state i lived in which was XXXX Missouri and i believe i paid the debt or was in XXXX already for the debt and i have been having a bank accoumt since 2010 and they threatend to garnish wages and take me to court for the debt and tried to scare me into paying i told het i would pay and made arrangment to pay but after further investgting i realized they were a fraudulent company and i asked to b sent papets in writing about the said debt and she said she will but never asked me for my address but i did text my current identafication with current address and a copy of my debit card but i changed my information to my debit card because i know i should not still owr the debt and it doesnt come up on my credit and US Bank has no record of a debt that i owe them and said i could open an acct with rhem if i wanted to..
XXXX XXXX XXXX cards and XXXX XXXX XXXX XXXX   Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXXto XX/XX/XXXX and they were aware.

Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death.

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me.

Also on all three credit bureaus Navient and XXXX reported me late on XX/XX/XXXXto XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted.

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports.

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX onXX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
I just started working 2 months ago. I consolidated and adjusted to government student loans. But the private student loans wanted money before I even got paid my first check. So I was in the rear from the beginning. They would not let me defer for another month, they will not change the due date or adjust the amount that I am able to pay. Even with a second job on weekends, I do not earn enough to pay the rent and the student loans. 
Are there any laws that they have to make some adjustments?
Attached with this complaint there will be a letter of complaint, modification proposal documents, mortgage payoff statement, QWR letter that was sent to Nationstar, QWR documents sent to Nationstar, Nationstar response and envelope, QWR letter XXXX, and QWR documents to be sent XXXX. 
In brief I have been dealing with this mortgage matter for over 6 years. Due to stage XXXX XXXX that was diagnosed in XXXX 2007 that require XXXX treatment. Because I could n't work for a year I was encountering financial hardship. Due to the advertising on behalf of banks XXXX I inquired on the possibilities of getting a modification. I was at the time accepted by XXXX XXXX XXXX to enter into the process based on financial information and hardship letter. additionally, XXXX XXXX XXXX stated repeatedly " There is no reason the bank should n't give you a modification, your the poster child for the program and reason it was formed ''. From the onset and hence forward I have encountered deceptive lies, intimidation, and abusive unethical trade practices and getting the runaround on behalf of XXXX Nationstar Mortgage. I spent 2 years 4 months in the mortgage modification process, and basically another 3 years 10 months in the legal system. I was illegally foreclosed on, and therefore subjected to the illegal foreclosure mill process. Where the is evidence of robo signing, illegal assignments, transfers and double tracking. I 've been through and FED eviction trial and have had to file for an appeal. The case is now in the Oregon Court XXXX. At some point the foreclosure was rescinded and am now being a modification with excessive, advances and expenses. 
I would greatly appreciate your help with this matter in determining the truth, ownership and history of my loan and a just resolution to all the pain and suffering that has affected my career, physical, mental, spiritual, and financial wellbeing beyond any level of comprehension.
XXXX XXXX ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and refund advantage. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.
I am a consumer with Bofa online mobile banking the issues I am having are XXXX the new assistant I spoke with numerous reps and they say we will put it in feedback and I waited for the update to turn OFF XXXX FROM SETTINGS AND MY definition FOR IT IS SHE IS STILL IN THE APP BUT SHE IS TURNED OFF OR REMOVED FOR THE ACCOUNT AS A CONSUMER WHO NEVER LIKES TO FORCED WITH A SERVICE ON A 3 YEAR OLD PHONE THAT CAN NOT SUPPORT THAT SERVICE FROM MY experience FROM USING THE APP IS SLOW AND YOU ARE responsible FOR THE UPDATE AND FIXES AND MAKING OLDER DEVICES HAVE options TO TURN OFF FEATURE THAT CAN CRASH THE APP AND MAKE IT unresponsive TO USE WHILE ON THE GO AND I NEED A CLEAR explanation WHY YOU ARE NOT listening TO CONSUMERS ABOUT FIXING THE ISSUE THAT CONSUMERS ARE HAVING WITH THEIR OLDER DEVICES THAT STILL SUPPORT THE OS ON THEIR AND FROM MY RESEARCH FROM OLD APP WAS STABLE CPU ( Central Processing Unit ) WAS IN A STABLE STATE BEFORE XXXX WAS RELEASED AFTER A MOUTH SHE WAS RELEASED AND MY CPU WAS BAD AND I AM HAVING A UNSTABLE PHONE TO USE ONLINE BANKING I CALLED THE REP AND HE WAS ABLE TO REMOVE IT BUT SHE CAME BACK AND MY CPU WAS SO BAD I SAID NO MORE THIS HAS TO BE A UPDATE FOR OLDER PHONES TO BE ABLE TO TURN OFF NOT unenroll HER SHE WILL BE ON YOUR ACCOUNTS PAGE I WANT TO BE ABLE TO TURN HER OFF IN SETTINGS BUT SHE WILL BE IN THE APP BUT NOT TURNED ON WHICH MEANS NOT ON THE ACCOUNTS PAGE HAVE AN UPDATE AND GIVE A CLEAR EXPLANATION WHY YOU ARE REFUSING TO RELEASE A UPDATE FOR OLDER DEVICES THAT SUPPORT THE OS BUT NOT THE SUPPORT FOR THE NEWER PHONES HAVE BANK OF AMERICA FIX YOUR APP FOR OLDER DEVICES AND GIVE A CLEAR EXPLANATION OF WHY NOT RELEASING A UPDATE FOR OLDER DEVICE I GIVE XXXX OR BOFA APP 1-10 STARS FOR NOW UNTIL ITS FIXED.
I have reached out to Navient many times over the years. They have never given me anything but heartache and hassle. I explained to them that I was barely making enough money to survive and therefore it made it very difficult to make the ridiculously high payments they were DEMANDING each month. They actually agreed with me that I could barely survive off of what I was making financially. So they told me they could " help '' me. They said I qualified for {$0.00} a month payments but that as a result, the interest I would 've been paying would now HAVE TO BE APPLIED TO MY PRINCIPLE BALANCE. I did n't really understand what this meant at the time. All I knew was that they were threatening to take me to court or garnish my wages or worse put me in jail! I was so scared I did n't know what to say or do! I did n't have the money to pay so I had no choice but to agree. Now my education that I initially borrowed UNDER {$100000.00} is going to cost me almost {$300000.00}!? and that 's just SO FAR! I am so sickened and disgusted by this. It makes me afraid. I know if I get a better job they will take the money they want and demand right off the top. At this rate I will never catch up or get ahead in life. This is beyond XXXX. College should n't cost so much, it 's not like I went to XXXX or XXXX! It 's ridiculous! I am surviving off credit cards and that 's only making my debt worse. I ca n't go on like this for long, I do n't know what to do ... Please help me!!!
Beginning XX/XX/XXXX public record date collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain at minimum identifying information to be collected at more frequent intervals as follows .... Minimum reporting of :1 ) Name, 2 ) Address, and 3 ) SSN and minimum frequency of courthouse visits to obtain newly filed and updated. There is no way this inaccurate information could have been accurately verified because I spoke with representative from the alleged verifier ( XXXX XXXX ) and they have confirmed that it was not there on their report.
This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment. 
My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : " Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. '' I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn't have that in my record and would not release any part of my file without a court order.
My XXXX XXXX has not fulfilled their portion of responsibilities agreed upon in the contract. When my daughter 's XXXX was damaged, I notified them right away amd for four ( 4 ) months I continuously contacted them to see when her new XXXX would be delivered and when I could have it replaced. I do have documentation of any and all attempts of communication to recrify the situation as well as the lack thereof. They made absolutely no effort to order the XXXX in a timely fashion let alone maintain open communication regarding her replacement XXXX that has stil yet to be received. The only time this " business '' attempted to contact me was when I stopped payment on an XXXX and services I was no longer receiving due to their blatant neglect and avoidance.
This company called Portfolio Recovery keeps on calling my business at all times of day and week using different phone numbers from different states and I have  never had a business credit card some of the dates and times are XXXX-18 at XXXX XXXX from California number XXXX XXXX-18 T XXXX XXXX from new jersey number XXXX they also have called from Georgia, new York, texas, and some other states and I have asked them to stop calling my business and they have also called as late as XXXX XXXX
It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires
On   XXXX   XXXX   2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for   XXXX   XXXX  . I stated I was confused as I am a current customer. So contacted original Creditor   XXXX   XXXX   and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation   XXXX   of   XXXX   2017 that it was paid from   XXXX   XXXX    Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted   XXXX   XXXX    to notify them that Stellar has not shown that I paid the bill. On   XXXX   XXXX   XXXX   I walked into   XXXX   XXXX   office and they printed off a Statement Balance Sheet of which I again sent email  XXXX  and they still did not get it. I once again reached out to   XXXX   XXXX   and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery   XXXX   XXXX   XXXX   2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to   XXXX   XXXX   of which was stated to me that they were sending a Cease and Assist Letter stating the Account is   XXXX   Balance and to remove me off their system by   XXXX     XXXX   XXXX   XXXX   2017. Contacted Stellar Recovery around  XXXX  and they stated they do n't have anything and they are not sending any letter even after a conference call   XXXX   XXXX  , myself, Stellar including the Store Manager for   XXXX   XXXX   as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.
THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
XXXX XXXX card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.
I have repeatedly been placed in forbearance when I asked about {$0.00} payment plans which has caused interest to accrue on my loans to over {$50000.00} on loans that were not nearly so high. I need help with these people. They call and call and call and call but wo n't give me the information that I need for income based repayment plans.
Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
I was desperate to have a fraudulent collection removed from the credit reports. XXXX XXXX was recommended to me a XXXX representative. I signed up at the lowest level that just included sending the necessary letters and documents to remove the collection. The beginning was rocky when I was billed {$120.00} rather than the {$59.00} they advertised. They reduced my membership, but never adjusted for the first month 's charges. Prior to hiring them I had a medical bill removed on my own. Of course XXXX XXXX considers that a success of their program. Ultimately, after 6 months they produced no results other than income to them. When I questioned that lack of production they just cancelled me and tried to collect for days after service cancelled. Another example of a company claiming to helping people when they only help themselves to our money. In the end they turned ugly and tried to intimidate me to continue services.
I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXXI attempted to use them to make a purchase to find they had both expired. I called the customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.