WillisBack/dataset-financial-user-claim huggingface dataset:
I/we have been in an adjustable rate mortgage 5/1arm since XX/XX/XXXX at an initial rate of XXXX  fixed for five years tied to the LIBOR rate and indexed at XXXX plus the LIBOR rate in XX/XX/XXXX of each year since XX/XX/XXXX. New payments start in XX/XX/XXXXof each year. Each time the rate resets the principle reduction decreases and the amount of interest to Ditech increases. This has been going on sinceXX/XX/XXXXwhere the amount going to principle actually goes down see the attached. This is incorrect. The loan is not new each year and should not be treated as such where a new loan inception takes relatively little principle off.

I have had the State AG office look into this but I don't believe they understand the math well enough to solve the issue.
I am on XXXX and get my checks on the XXXX Wednesday of the month. I asked the mortage lender to change my due date from the XXXX to the XXXX and they said they did not have the option and I am paying late charges every month
I instructed XXXX to close a XXXX account in XXXX. They billed a membership fee on XXXX XXXX of {$95.00}. They have been notified XXXX or XXXX times by their " XXXX XXXX '' and in writing to cancel this account. They have failed to respond and are now charging interest on a " late payment ''. I have paid all proper charges and should have a XXXX  balance.
summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.
I have tried to dispute an account with Lending Club corporation in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
All negative reports should be deleted from my file. Each account has been paid to the original creditor.
The last 4 years I have tried and tried. Letters to Equifax, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with Equifax and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. Equifax XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX  kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on XXXX freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX Equifax XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
We closed the house on XXXX XXXX 2017. Please find attached closing documents file. We were approved with 3.9 % conventional loan but up to the last moment and keep changing techniques by loan officer- final loan interest rate charge/set is 5.37 % which is out of range as per regulation Z at that time frame. They also charged bunch of fees unnecessarily.
I asked government agency to file a complain against this company and US bank ( Mortgage Services III, LLC NMLSR ID # XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and Usbank.com who accepted and servicing this loan.
Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate discrimination and fraud for mortgage.
Please have them set our mortgage terms to 3.9 % and conditions and pay them damage cost and refund. If we refinance it will cost us extra {$5000.00} more.
We look forward for your help in this regard. You can asks our credit report to this officer and they can provides details about this loan.
We called US bank and other refinance agency/bank and they were surprised when we say this is a conventional mortgage rate we have. They said there is no way they can do this because regulation Z is prohibiting them to doing thisXXXX XXXX XXXX XXXX
We bought a XXXX XXXX XXXX XXXX on XXXX, from the time we bought the boat we had issues. The Engine blew the 3rd month after we bought it, the first time the boat got wet the seats/upholstery bled through red from the tags that was sewn in under all the seats. XXXX disagreed to fix any of it that it was not covered under the warranty. Which in the warranty paperwork it stated it did. This was a {$34000.00} Boat! This was all factory defects. We tried to give the boat back since it was a lemon or have them fix the issues and they would not. We then got the bank involved and we then negotiated a payoff for less than the amount owed. This account was originally with GE Money Bank/XXXX and now they have changed their name to Synchrony Bank. The settlement was for {$8000.00} since that is what the boat appraised for with all the issues and XXXX/GE Money Bank/Synchrony Bank agreed to accept this amount to settle the account. The XXXX Boat Dealer XXXX XXXX in XXXX XXXX, California bought the boat. XXXX XXXX is the Sales Manager that helped us with the settlement and purchased the boat. We conducted several conference calls between Synchrony Bank, us, and XXXX to get this account paid and settled. Our Credit Report was updated appropriately to reflect the account settled and a XXXX balance. Now as of XX/XX/XXXX the account is showing as a charge off again reflecting a balance of {$18000.00} as if the settlement never happened. I called in to Synchrony Bank on XXXX to inquire about the account they told me they could see the settlement and this is a reporting mistake due to the changes with the Bank. That they would correct the issue and delete the trade line off our credit reports. One since the account is so old and two all the issues we have had. I was told to fax a letter to XXXX addressing the conversation we had and do a letter explaining the situation. I did on XXXX. I was also instructed that if I did not hear from them to call in 7 days. I did not hear from them so I called today XXXX and spoke to a Manager by the name of XXXX that told me he would not help me that if I wanted to dispute this I would have to refax all the information to XXXX XXXX in Charge offs to see if they would agree to update any of the information. He did confirm during our conversation all of the information I have provided regarding the settlement and that they did receive my fax with the explanation. We are tired of trying to get this updated when we did our part to settle the account paid what the boat was worth. We feel this is an issue with the bank not reporting the account properly. We paid the {$8000.00} they agreed to accept as payment in full now our credit report is not showing this closed and settled but as a charge off again for the full balance. It needs to be deleted completely off our credit reports or shown as paid in full. How it is showing now is inaccurate.
My Mortgage servicing company is Mr Cooper of XXXX Texas. And for the last 5 years, I have been paying them via a direct payment online on a timely basis. All of a sadden, Mr Cooper claims they've not received the last two payments for the month of XX/XX/XXXX and XX/XX/XXXX and started harassing me. I contacted my bank and produced a receipt of the transaction and emailed a copy to the Mr Copper more than once. My mortgage still shows delinquent. I contacted Mr Cooper several times and the issue has not yet resolved. I am concerned that they are really not trying to solve the problem.
Received a alerts from my credit report that I have a collection that was placed on there from XXXX XXXX XXXX for XXXX I filled bankruptcy last year and included XXXX I ask the lady can she send me a copy bearing my signature she said she not sending me anything was really rude then hung up. Call about 5 times to also get there address and repeatable hung up. To Whom It May Concern : This letter is regarding account # XXXX also accounts # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
On XXXX XXXX, 2016 I disputed XXXX XXXX and requested validation of the account via certified mail ( XXXX ). 
On XXXX XXXX, 2016, I received a letter stating XXXX XXXX could not locate my file and I needed to provide the full account number and social security number. 
Clearly, if XXXX XXXX is reporting this information the the credit bureaus, they should be able to validate the account. I have enclosed a copy of the signed letter with my full name along with my address. It has been over 30 days and XXXX XXXX still has not validated this account.
While XXXX on military duty. Quicken Loans reported we did not pay our mortgage. This is not true. We proved the auto payment was made. We have disputed over and over. Finally we gave up and in exchange for an agreement by Quicken Loans representatives to remove the 30 day reporting we paid again. After one month negative info returned. We paid another additional payment and again the incorrect information returned. What s so frustrating is even if this was true we missed one payment. But it 's reported as 30 days every month we were disputing. So instead of XXXX 30 day late we have XXXX even though every month there was a payment received. It 's immoral that any organization can be completely unregulated with unlimited power to destroy lives. Lies over and over. Our lives destroyed. 30 years of faithful service to this nation. We have no rights. We want this information removed now. I 've filed a congressional. We will never stop fighting these despicable horrible people. When we allow banks the power to destroy soldiers while out the country we prove what kind of people we really are. XXXX XXXX
I have a car that is financed with Regional Acceptance. I make a payment online every month, on time through their website. The website requires that I enter my information every month so I have not given them permission to auto-debit or store my information. This morning I checked my account and it has been debited for the full amount of my normal payment which is always more than the required amount. I contacted Regional and was told this was a glitch with their payment processing company and the payment was duplicated in error for numerous customers. I have 3 issues with this explanation ( 1 ) I never gave them permission to store my payment information ( 2 ) What 's to keep this from happening going forward ( 3 ) There is no payment reflecting in my payment history.
I feel like my credit card is double-billing me. I pay off a balance several times a week and since they are so slow to post transactions, or post them in posted and temporary transactions at the same time, it is confusing. Then I 'll sign on later that week and see that there are new charges that I think I 've already paid for! I 'd like you to look into their accounting practices.
On XX/XX/XXXX I ordered some from XXXX they never sent me my item and I was charged {$44.00} they never took it off of my charge account and want me to pay a bill on that Im not paying anything on that card until they take that and fix that also was charged three times for the same item and they have not taken that off either thats {$20.00} they need to take that off of there also so I have a discrepancy of over 100 and something dollars and they need to fix it on a {$250.00} credit card Im not paying on the credit card until they fix it thank you XXXX XXXX and whos not taking it off the cart would be PayPal
Moved XXXX telephone and internet service to new residence. Technician found new service could not be installed without digging up road. We opted not to do so. Service was never connected. 3 months later we get a bill. Took quite a while to get it taken care of after they threaten collections even though we never had service! They even said I had a credit on my account. I have their email saying that on XXXX. Last month I was contacted by Afni, a collection agency, to collect the same debt sought by XXXX.
Hello, my name is XXXX. I contacted Flagstar Bank about refinancing my mortgage to a lower interest rate. I was quoted a 4.198 % interest rate that was supposed to be locked in. They told me I needed to pay {$500.00} for an appraisal, and as soon as that came back, everything would be a go. I was led to believe that the refinance was a lock. But then the appraisal came back, and apparently I need to now pay {$10000.00} at the closing of the loan. I feel this is completely unnacceptable and they used misleading tactics to convince me to pay for the appraisal.
I was told I had 3 repayment options. One option was payment of {$190.00}, the second was a 3 payment payback and the last was payments of {$140.00} and some change. I selected the last option, of {$140.00} and some change. The company took payment for {$190.00}. I emailed multiple times, the company claims to have only received one email at a date " too late to correct anything. '' When the company finally had someone call me ( because you can never get through trying to call them ) that rep stated she would have the recorded call pulled and call me back. When she called back she tried to say " the rep gave you misinformation. '' That is not MY problem! I initiated a loan based on the information that rep provided and actually stated multiple times through that call that if the payment amount was {$190.00} I would be passing on the loan as I couldn't afford that amount. Now the representative is passing me around between departments, placing me on long holds in between each pass, clearly hoping I'm just going to hang up and drop the issue. The information that was provided to me is recorded! Their representative is recorded telling me that I would be able to pay {$140.00}.
My mortgage is with TD Bank since XX/XX/XXXX. I make mortgage payment s on time ; never late on a payment. The mortgage payment is $ XXXX/ month due as of the first of the month. I make a monthly payment of {$2200.00}. On XX/XX/XXXX ( business day of XX/XX/XXXX ), I went to TD bank branch located in XXXX XXXX XXXX XXXX, NJ, to make the mortgage payment due on XX/XX/XXXX. I told the teller that I need to pay my mortgage. Because TD Bank does not have a mortgage payment slip, I do have to complete one. The teller completed the transaction and gave me receipts which I can provide to you. I left the branch expecting everything is ok since I never had any issues paying mortgage in branches before. On XX/XX/XXXX, I went online to check my accounts and I noticed too much money in my overdraft protection account. I found out that the bank teller deposited the {$2200.00} in my overdraft protection account instead of the mortgage which surplused my overdraft protection account and made me late on the mortgage payment. I called the branch and spoke to a customer service representative who said she will contact the back office. I did follow up with the branch manager who assured me that she will take care of the issue and the mortgage payment will be posted to my mortgage account as of XX/XX/XXXX. On XX/XX/XXXX, the bank debited the {$2200.00} from the overdraft protection to credit my mortgage account. However the mortgage payment was posted XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the branch customer service again to correct this error as I made the payment on XX/XX/XXXXand should be posted on that day. She said that I should not be upset about it because I get two weeks grace period anyway! I wasn't happy with her response and I asked to speak with her manager again. The branch manager claimed that she sent an email to the mortgage department to get this fixed. As of today, the mortgage is not posted on the date I made the payment and the branch manager is not getting back to me. I tried to contact the district manager, however, a branch employee refused to give me his/ her contact information.
My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !
I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!
I have discovered many UNAUTHORIZED inquiries on my credit reports from PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. They DO NOT have authorization to make inquiries on my credit report. It appears they have been making an inquiry every month since 2016!
All our loans were consolidated, or so we thought. When I called for a pay off amount in XXXX XXXX, I was sent via email a pay off amount, which was paid to the Department of Education on XXXX XXXX, XXXX, in an amount of approximately {$390000.00}. We received a paid in full notification. In XXXX, XXXX, I received a " welcome letter '' from Fed Loan Servicing saying that I owed {$8000.00}. With the Ombudsman Group and a Fed Loan Servicing agent, I was told the pay off amount was {$7600.00} which was paid off as part of legal proceedings on XXXX XXXX, XXXX. In XXXX XXXX, I received a called from Fed Loan Servicing saying that I now owed {$2900.00} -- I asked that the Ombudsman Group and Fed Loan Servicing supply me with how this could be because I received another letter on XXXX XXXX, XXXX that once again my consolidated loans were paid in full. There was no documentation that could support this claim and this battle would go on for nearly two years. On Thursday, XXXX XXXX, XXXX, I placed a called to a rep who is working on this for me and she told me that I did owe the monies and that I owed interest in the amount of {$400.00} and would try to get the interest written off. I should state that I had to place all the calls and I have documentations to this effect. Today, XXXX called me ( XXXX XXXX, XXXX ) to now say that I owe {$18000.00} plus 4 years of interest because of some consolidation error and interest rate mischarges on behalf of XXXX and Fed Loan Servicing. I have tried for over XXXX years now to pay off my student loan debt but I am unable to. Yet, I keep owing interest even though Fed Loan Servicing for the last two years is telling me that they are looking into it. I can not afford the {$18000.00} owed ( if I owe it ). I would need a complete recap of what exactly went on with my account. I do n't know where to turn to. The schools were XXXX College, XXXX XXXX XXXX College, XXXX College and XXXX University XXXX XXXX
i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX
MY PROBLEM IS THAT SANTANDER CONSUMER IS RECEIVING PAYMENTS FROM ME BY CHECK AND ACCESSING THE FUNDS AS " XXXX XXXX XXXX '' AS AN ELECTRONIC CHECK WITH NO INFORMATION OF PHONE OR ADDRESS i SPOKE TO OFFICALS THER E AND THEY DID NO GIVE ME A SOLID SOLUTION OR REASON FOR THIS AS THEY ARE LOOKING INTO IT. 

( YOU MAY PUBLISH THIS COMPLAINT AND THE RESULTS )
The collection agency could/would not provide any documentation that I owed the debt nor could they verify that they had tried to contact me via mail or otherwise. The agency has filed a judgment on me in the amount of {$1200.00}. The name of the collection agency is : Fein Such Kahn & Shepherd P.C. 
XXXX, NJ XXXX