WillisBack/dataset-financial-user-claim huggingface dataset:
At the end of XXXX 2015, I was contacted by Secure Lending Inc at XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX to Refinance my home Mortgage. Within XXXX days a notary was at my home having my wife and I to sign papers and give documents. The process was to conclude by mid XXXX. However continue to get requests for similar documents and the mortgage did not closed in XXXX. Reason given the Finiance company was slow with process. We were told not to pay XXXX 's mortgage, so when it did not close, we had to pay a {$63.00} late payment. We continue into XXXX 2015 and received repeated request for docucments, which we supplied. We got to the end of XXXX and gave them all requested information. Mortgage still did not closed. Reason given Secure Lending did not review documents and Mortgage was rejected. We had to pay another {$63.00} and it resulted in our mortage being paid after XXXX days, causing issues with our lender and damage to our credit.
My due date for the loan is the XXXX of every month but I do n't get my retirement check till the XXXX which I fall in the category of making the payment before the 10 day Grace period. The problem is that every time I make my payment, all of the payment is going towards interest and none to principal. Plus the loan balance is increasing. I have complained and question why all of the payment is going to the interest and none to principal and they says that everyday my payment is late causes more interest. I will think this company is taking advantage of poor people and something needs to be done.
Introduction Im writing this letter regarding an account on my credit report that I desperately need to get resolved. Im looking to either have this account fully removed or updated according to factual data. To date, I have been unable to completely resolve this situation. This situation has the attention of the Federal Government and I only have a short period time to resolve. 

Situation OnXX/XX/XXXXI purchased a XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. This purchase for the sole purpose of a commuter car to save money on gas. The original purchase price of the car was XXXX and paid a monthly note of XXXX. My car note was paid every month on time and was never ever late. After XXXX  months of on time payments, I was involved in a XXXX XXXX XXXX ( no fault of my own ) which totaled the vehicle and sent me to the hospital with all types of XXXX and XXXX bills to pay in the future. The accident was considered a non-contest and the drive of the other vehicle was cited and his insurance company was required to pay all my medical bills and time off work. My insurance company totaled the vehicle and paid XXXX XXXX XXXX arpx XXXX due to the blue book value of the car. I did not have XXXX XXXX therefore I was left with a difference/balance on the vehicle. Within a matter of days, XXXX XXXX XXXX reported my account to the credit bureau and a repossession. Since the vehicle was reported as a repossession, I was not allowed to make payments toward the account. What I did not understand is how can my vehicle be repoed and Ive never ever been late on a payment. I tried to resolve this situation several times with XXXX XXXX XXXX. I even agreed to a payment plan with XXXX XXXX XXXX. The company accepted my XXXX payment however, to date the account balance still remains the same. I grew tired to trying to deal with the finance company and decided to resolve this situation through the credit bureau. I decided to dispute the account with XXXX XXXX and Experian. Once I disputed the account, XXXX XXXX XXXX was forced to change the status of my account from repossession to Late/Charge-off/Seriously past due. This status is still incorrect. This account would have been paid off if I were allowed to continue to make on time payments. My frustration currently is the account is still being reported incorrectly. I was never late on this account and my status should reflect accurate data. At this point, all I want to do is clear my good name and regain my credit worthiness the honest way. This is an injustice and just another example of how these big finance companies prey on the day to day hard working citizen. 



Closing : Please let me know what my next steps are to resolve this situation. My charter has been assassinated and my ability to get credit has been severely impacted due to negligence on XXXX XXXX XXXX part. I would like to expose this type of scammer to help other hard-working citizens in America.
There are over 22 accounts of derogatory information listed by XXXX XXXX XXXX on my credit report. Nearly half of these accounts are outdated by standards of FCRA. I have requested debt validation on several occasions but I have been ignored. I do not have any debt or agreement for a debt with XXXX XXXX XXXX. They are in violation FCRA/FDCPA. Their foul behavior is ruining my identity.
On XX/XX/2019 I called in to make a final payment for the full amount of my loan ( approx {$4100.00} ) and need to use my VISA Signature rewards cards to gain the points. They are refusing to accept my payment via cc. This is how I need to pay the balance in FULL. They keep bouncing me around to " supervisor '' to " supervisor '' and are not very helpful on the phone. The last supervisor I spoke with is XXXX with employee ID XXXX. I'm still on hold for another " Supervisor '' but I'm not hopeful. I'm literally trying to pay the balance in full however they will not accept the payment.
Dear Consumer Protection Bureau I have been a customer of XXXX XXXX XXXX for the past 3 years. I had a FICO score of XXXX and above. during the past 3 years I have always paid the time on timely manners and never been late on the payment at all. I will be happy to provide you my payment history with XXXX XXXX. 
I checked my FICO score with XXXX XXXX and Experian and it was really devastating to find out that my FICO score has dropped from XXXX + to XXXX lower over XXXX points on my credit report due to decrease of limit on my XXXX XXXX card from {$10.00} XXXX. XXXX XX/XX/XXXX I called XXXX XXXX and the representative said that we checked your credit report with Transunion and we decided to change your limit from XXXX to {$5800.00} and we have not send you any notice yet credit card companies are required to give a 45 days written prior notice to consumers in order to make such a big change. right now I have drop of credit score and I am not able to transfer the balance from XXXX XXXX card to any other credit card company because my credit is terrible now. as a consumer of XXXX XXXX I would like XXXX XXXX to go ahead fix my credit limit on my credit report and I have no problem not being able to use the card I just want my fix credit. 
I will be happy to provide you with my credit report that I have not used all my credit limits and I pay all my bills on time. XXXX XXXX has damaged my credit and they need to take care of that. 
please let me know what they can do for me to take care of this matter
I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( Equifax, XXXX, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date openedXX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  date opened XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date openedXX/XX/XXXX XXXX
I went to Conn 's located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX to purchase a refrigerator with a credit application I applied for in XXXX. I told the sales associate XXXX I had a credit application that was approved with the ( {$9000.00} ). He said he would pull it up. He asked for my phone number and was able to pull up my address. He said he would need my driver license and asked for my SSN and how many kids I had. When I asked him why he was asking all these questions he said the computer was asking him to provide it. When he finished he told me I was approved for a store credit card for {$3000.00}. I told him I never gave him permission to apply for another card and he apologized. I left the store without purchasing anything due to the deceptive practice. I asked to speak to a manager later when I called and was told he was on vacation when I asked for the assistance manager he refused to give me his name and the store number. He told me to to call the corporate office. I took a picture of the guy who other employees told me was the assistance manager and he was covering his name on his shirt.
I applied for auto loan with Ford credit and refused give me a loan. As I legally changed my name and brought all papers from the court. They refused to talk to me, they refused all legal paperwork. They keep given different reasons, the financial director at the Ford dealership pulled my credit report and he was showing as my credit score at XXXX. At Ford financial they said, that they are not showing any scores at all. They refused to give me any reasons at all, as well as show where I am showing XXXX credit score.
I submitted a letter to XXXX to REMOVE collections from Central Financial Control from my credit reports because they are not licensed in the state of Tennessee. Although I did not personally reach out to Central Financial Control but to the credit bureau with the info from the Tennessee verify page it was not removed.
In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.
Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They  refused to assist me with the removal of these inquieries.
I sent a letter to XXXX XXXX on XX/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documents. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the Credit Bureaus that I am asking to be deleted.
I have disputed the debt several times and NCC Business Services refuses to remove the error from my credit report. I am a XXXX that I can not complete because I am continually getting denied for student loans. I have never had a collection problem prior to this, and I would have payed the debt and took responsibility of the issue had it been my fault. 
Damages to carpet were caused by a flood during the appliance repair caused by the installer. Shortly after, mortar pointing left the entire apartment covered in dust, including the carpet. Other incidents also occurred, none of which were caused by the tenants. 

I have paid a lawyer to attempt to remove the collection because I have been falsely targeted, but the cost is almost as much as the debt itself. I am fighting this because not only am I not responsible for the damages, but now I must pay fees to fight these claims. I sent a letter to NCC Business Services explaining why the charges are not my responsibility, but they never responded or have done anything to help me resolve the issue.
I have repeatedly asked for justification of a deferred balance, Nationstar Mortgage has on my home. Nationstar is either unwilling or unable to provide an amortization of how my payments have been applied and how much interest I am actually paying - I have XXXX complaints all with extensions by Nationstar - Per my conversation today with XXXX ( # XXXX XXXX - they need a XXXX extension as they have not yet resolved the information and can provide no update
I had two credit cards accounts with Bank of America, one opened XX/XX/XXXX with a Credit Limit of {$500.00} and the other opened XX/XX/XXXX with a Credit Limit of {$3000.00} both of them are over 10 years old and you guys still report them to my credit. Please stop reporting these two accounts to my credit report, they are too old.
XXXX account XXXX, XXXX credit card account ending XXXX, XXXX account ending XXXX and XXXX credit card ending XXXX all paid on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. They have not reported these 3 month when they have been paid on time
I called and was told there is a wage garnishment in place. I asked what I the debt can you provide original documents because I was a victim of identity theft. XXXX XXXX   XXXX tried to collect this debt and was unable to provide proof of debt and did not serve me properly. Now Fein, Such, Kahn and Shepard now want to collect all they sent was a wage execution letter. I was not served with any notice prior to this.
I received a call from Quicken Loan saying our escrow account was deficient {$1100.00} plus and we needed to pay it. The reason they gave did not make sense - that our escrow account was short that amount because our home owners insurance went up {$100.00} annually. We told them that did n't make sense and that our real estate taxes went down approx {$200.00} which would more then make up for it. Besides they had already paid the taxes in full in XXXX 2015 which we reminded them of. I explained to them that there were 2 options on how to pay - a total payment due in XXXX which they did or 2 installment payments one in XXXX and one in XXXX and it looked like they thought the XXXX installment needed to be added to the full amount they already paid. They could n't wrap their heads around this, insisted we had to be wrong but said they would check and get back to us. 

One week or so later they called with good news that they figured out what happened and of course it was what we had told them in the first place but now we only needed to pay approx {$300.00} plus for the escrow shortage which still did n't make sense but I 'm exhausted because we are going through an incredibly hard time in our lives and I agreed to what was offered to me which was to divide the amount up over 12 months. I 'm thinking I would address this later after things settled down for us. After that I received a call from a debt collector and I reported this to Quicken and they were very sorry and that should not have happened but they would take care of it. Next a statement or a phone call saying there was a {$23.00} late fee. I called Quicken and again sorry and they would reverse that fee. Another call from the debt collector - reported this to Quicken as well. 

Then they told me I was not making my payments on time. When we first started paying on this loan the due date of the XXXX came before my husbands soc sec check so we figured out together, Quicken and myself when it could be paid and still be in the grace period. This was their recommendation. And so it went until this bizarre call about our escrow account being short way back at the beginning of our complaint. On Apr XXXX my husbands XXXX died. On XXXX XXXX his XXXX died. On XXXX XXXX my XXXX died and on XXXX XXXX while we were at the funeral we got word my XXXX died. On Tues XXXX XXXX after returning from my XXXX funeral I opened a statement from Quicken showing an escrow shortage of {$530.00}. I called them and am waiting for a call back. 

Somewhere in these phone calls I asked if we could handle our own escrow. Because it is a FHA Gov. loan we have no choice but to escrow through Quicken. The only way for us to do our own escrow is to refinance into a conventional loan. 

You ca n't make this stuff up!!!! I feel they need to first fix this, then apologize and then compensate us for this entire matter that should not have happened in the first place. Included in this complaint is also a claim of harassment which needs to be addressed as well.
I refinanced my mortgage with BSI Financial and they keep adding additional cost added to my bill that BSI financial wo n't explain what they are. I was told that my attorney would explain it to me. I have called on different occasions. I have been told different excuses but no explanation. This is the fourth time I have experienced this. What are they doing " Loan sharking '' thinking folks are XXXX or are they trying to bring on a late platform to keep reporting late payments so you ca n't rid yourself of them by refinancing? They are constantly reporting my payments as late since this refinance has taking place. The additional fees are giving them the opportunity to do this.
I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.
Good afternoon. 

On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX. 
The companies from where the letters came from were XXXX XXXX XXXX and XXXX. 
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus. 
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started. 
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.
I got a call awhile back from this company stating they would file a law suit against me if I did n't pay. When I started to question them the lady became irritated and said forget it we will see you in court and hung up on me. This was several months ago ... .Now today they have calld my father, how they got his number, but left him a voicemail stating that they made several attempts to contact me and if i did n't comply they would take action. So, I called them and tried to get more information. The lady stated it was the attorney calling me trying to settle a debt and if i ca n't they will file a lawsuit. I asked the lady who the original debt was and said services credit union and it was for a credit card that I had with a XXXX dollar limit that I opened in XXXX of XXXX. I told her that I had never had this type of card that I have only ever had a XXXX XXXX and I am in regular contact with them. Then she asked if I ever went to college and I told her yes, she said Oh, I bet that was the card and asked me if I had a credit card in college and I told her no. She said yes ya did. I told her that I went to college in XX/XX/XXXXso even if I did this would not be because of this. She said you did have this card and you even made a payment of XXXX. I told her that I do n't work and was n't working full time back when she says this was opened and there was no way I would have ever been in a position to make that large of a payment with XXXX kids and my other bills. I asked them to not call my father again and she got mad and told me they would go to court and then I would be thrown in jail then she hung up on me. I had a friend call back to see if we could get the website and they refused to give that information and hung up on him.
Kehoe Financial Called my landlord about a debt I supposedly owed. Not really sure about what information was shared but enough was shared that my landlord knew they were a debt collector trying to collect a debt. In turn I was called by my landlord being yelled at for them calling them and not paying my bills. I have never heard of this company before last night XX//XX/2017. I have only received 1 call from this company to date and it was also made on XX/XX/2017 by XXXX XXXX. I have had the same phone number for years it has n't changed and if they were legitimate they would have known my phone number and address to send correspondence.
There is an account from XXXX XXXX that was removed from my Transunion and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.
Citibank produced a file loan location history for my mortgage but refuses to tell me the meaning of the codes or to produce documents. The phone personnel say that it is a second loan but can not give further information. the mortgage XXXX is jointly titled to XXXX and XXXX XXXX
XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.
A more extensive description is in the attached Word document. In short Chase Bank discriminated against me, a XXXX individual, by refusing to consider the cost and added value of the conversion needed to make a regular minivan XXXX since they claimed they could not verify the value of the vehicle because it was not listed XXXX, although there are numerous other sources on the internet to determine the fair value of these vehicles. They offered me significantly less than the amount I asked for at nearly twice the interest rate even though my credit score is over XXXX and I have many accounts with them. 

I spoke to many individuals at the bank who refused to budge on this policy that would only recognize the value of the vehicle as a regular, versus XXXX vehicle. I spoke to both the underwriter and personnel at their corporate office ( see attachments XXXX. It should be noted that after a very brief discussion with XXXX XXXX XXXX XXXX, I was given a loan for the full amount requested at a lower rate than Chase 's best rate.