WillisBack/dataset-financial-user-claim huggingface dataset:
As of XXXX XXXX, 2015, my mortgage was transferred from XXXX over to Seterus. XX/XX/XXXX, I received my transfer letter from XXXX stating everything I needed to know and that I should expect a welcome letter from Seterus shortly. Today is XXXX XXXX, 2015, and I have yet to receive my welcome letter, which reading the FTC website they must send me by XX/XX/XXXX. I called Seterus this evening and got the runaround, now keep in mind that I am new to them and they already are treating me this way. I 've read a ridiculous amount of complaints about this loan servicing company, but now I 've actually experienced it. I recorded the entire phone call, so that you can hear exactly what the representative, XXXX, said and how she dodged questions I asked. She just kept putting me on hold. I informed her that I was recorded the conversation and then it got a little hostile. She put me on hold again, where after a few more minutes of holding a gentleman that referred to himself as XXXX XXXX came on the line and began yelling at me about recording the call before he swiftly hung up on me. Now, can you explain how this kind of business behavior is acceptable? I got no information about my new loan, no information on how to make a mortgage payment, no loan number, absolutely nothing aside from vagueness and rudeness. These people have a duty to me the homeowner and they are not doing what they are supposed to do. Merely XXXX Seterus and you will see this is a SEVERE problem that nothing is being done about. This is my life, the lives of my children, my home, and I can not fathom that this kind of behavior would be acceptable by any standards. I have contacted XXXX, as they are the holder of my loan, to inform them of the problem. A woman by the name of XXXX informed me that XXXX is, indeed aware of these practices by Seterus and no action has been taken. Once again, I have this phone call recorded with her admission XXXX has been apprised of this issue. There have been over XXXX complaints to the XXXX, yet this company is still somehow allowed to continue their shady practices and downright fraudulent activity. The way they treated me was like my toddler putting his hands over his ears because he does n't want to listen, Seterus does not want to listen to legitimate problems. I 'm contacted absolutely every entity I possibly can to make everyone aware of this situation and compiling a journal of everything, emails, call logs, recordings, complaints filed, everything, and looking into contacting an attorney. Somebody has to do something aside from tell me, " Oh, we 'll look into it '', and this foolishness continue. Seterus has legal obligations to me, as the servicer of my loan, and I ca n't imagine this is how they are upheld. Again, I am not the only person saying something about this company, so why does nobody take action? Maybe if it was your home, your life, it would be different. It seems as though nobody cares about the homeowners, we have no voice. We are being pushed and bullied, we turn to the organizations that regulate companies like this and are met a lack of empathy or care. I need help, this is just not okay.
Chase Bank as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$690.00}. I understand there is a balance owed on this account but I currently working with collection agency attempting to settle debt. This account has been charged off and would like it removed.
I emailed my mortgage company and asked that they review my loan to see if Private Mortgage Insurance ( PMI ) was still required. I had reviewed my loan disclosures ( attached ) which showed the 80 % PMI requirement should have been met in XXXX, XXXX. 

At the time of loan the house appraised for {$420000.00} and our loan was {$36000.00}. As of today our current principal balance is {$330000.00}. The PMI information on the lenders mortgage insurance page say we have no lates and reflects the scheduled 80 % LTV date is XX/XX/XXXX. This date seems to change from month to month. I have included the page from today 's inquiry for reference. 

In the response I received from the lender ( attached ) it says the PMI will end in XX/XX/XXXX when the loan is at 78 %. 

Can you confirm if this is accurate? I feel as if we are being strung along.
Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish.
The Fair Credit Reporting Act and the Bankruptcy Laws state that bankruptcies ca n't remain on a credit report for longer than 7 or 10 years, whichever is the case. By the language of the Laws, it does n't state the bankruptcies Must Or Has To stay on a credit report for a certain period of time. Personally, I believe the credit bureaus keep bankruptcies on credit reports for as long as the law allows them. In my opinion, credit bureaus do this because they are in this together with financial institutions. The lower the credit score, the higher the interest rates banks can charge. Again, the law does n't say that bankruptcies Must remain on credit reports for 7 or 10 years. I 'm requesting that my XX/XX/XXXX, Chapter XXXX, be removed from my credit report. Also, I 'm requesting, that my XX/XX/XXXX Chapter XXXX bankruptcy be removed from my credit report. The Chapter 13 is over 9 years old and the Chapter XXXX is over XXXX years old. Both bankruptcies were the results of a terrible divorce that left me in heavy debt. By law, Equifax can and should remove these items. I 've suffered enough in my opinion. If Equifax chooses not to remove these items immediately, I 'm requesting in writing for the reason. Section 605 ( 1 ) Cases under title 11 ( United States Code ) or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. In other words, the credit bureaus ca n't have negative items on credit reports for longer than 10 years. Sadly, it 's in the hands of Equifax on when these bankruptcies will be removed from my credit report. It just ca n't be longer than 10 years.
back in XXXX i refinanced my mortg with a company by the name of XXXX. this lasted about a year and i received a letter from XXXX saying they had bought my loan. this is also where the problems started. XXXX said i was deliquent from XXXX so i confrounted XXXX and finally thought the problem was solved. next about XXXX i received another letter from carrington mortg sayiny they had purchased my loan from XXXX. in XXXX i requested a payoff on my mortg and was told i was XXXX in arrears and a escrow bal of XXXX in the hole. i contacted carrington and was told i was preforeclosure unless i paid the deliquent amt. i researched my pmts with date ck number and amts and have forwarded this to XXXX and carrington. i am awaiting their response. this happened several months ago. sounds like i have been involved with predatory lendors. can you help. thanks
Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.
I have a {$220.00} charge on my XXXX XXXX Credit Card. When I called XXXX 's they said it was part of some promotional thing and the promotion has ended. I asked what promotion? They said some credit protection. I said I did not sign up for protection. They ( XXXX XXXX ) said to call that number for Credit pro. I called them and they said I signed up in XXXX XXXX. I did not sign up. They said they will stop the Credit protection and reverse only {$6.00}. 

Here is what probably took place. I have had XXXX 's card since before XXXX XXXX. When I was in XXXX from XXXX XXXX to XXXX XXXX the account was closed by XXXX XXXX. I believe I tried to buy something at a store and they said I could n't because the account was closed. So I got on the phone with someone and the reopened the account. I never signed up for any Credit Card Protection. If they did ask me on the phone for it then I would have not signed up for it. This is a deceptive technique and I am not the only victim. I want that {$220.00} back off XXXX 's card.
I was granted {$50000.00} from the State of NJ Home Keeper program XX/XX/XXXX. The intent of this grant is to apply the {$50000.00} to your Loan principal to lower you monthly mortgage payment and help keep you in your home. Both my husband and I are XXXX and on XXXX. The bank Wells Fargo was sent the {$50000.00} back on XXXX XXXX, 2016. The bank sent me a letter for me to sign and send back to get the {$50000.00}. However the letter stated the following on how they were applying the {$50000.00}, {$470.00} for payment of principal ad escrow for XXXX XXXX and XXXX XXXX. 
( I already made my XXXX XXXX mortgage payment so I do n't know why they are taking it out of the {$50000.00}. Also I had my money in my account to pay XX/XX/XXXX and XX/XX/XXXX which they have not taken out of my account yet and I do n't understand why when the money is there they just not continue to take my monthly mortgage payments out. 
{$960.00} was taken out of the {$50000.00} for advances and I checked with the escrow department and they told me I am not behind on any escrow do I have no idea what the {$960.00} is for and to date the bank has not been able to tell me what this is for. 
{$44000.00} was what they are applying to my principal balance. 

The whole idea of this home keeper program is to apply it to your principal balance so you can reduce your mortgage payment and keep you in your home. So with what they are doing I am only saving {$100.00} a month on my mortgage which is not going to keep someone in their home. 

I have been trying to work this out with the bank since XXXX and they just keep telling me they are looking into it and if I do n't accept this I could lose the {$50000.00}. 
So I am going to have to sign the paperwork the way it is now but my complaint is the bank is not handling this {$50000.00} correctly. Can you please look into this for me. Thanks.
( 1 ) Background : I withdrew a total of four $ XXXX student loans ( $ XXXX total ) for school, two of which were from Wells Fargo ( $ XXXX + $ XXXX = $ XXXX total from Wells Fargo ). 

( 2 ) History : I had to leave my university due to unforeseen health issues, and continued & completed my education at a local college. This was when I pulled out the two Wells Fargo loans, with the intention of completing local college & going onto a 4-year degree & XXXX XXXX XXXX. 

( 3 ) Change of events : Due to my time in & out of school ( due to medical issues ), my repayment terms changed at Wells Fargo, and my interest rates on both Wells Fargo loans ballooned above 14 %. My other student loans are half that rate ( for the same original amount withdrawn ) ( 4 ) Payment history : To Wells Fargo, on the two $ XXXX loans combined ( $ XXXX total ), I have already paid back over $ 125k ( {$120000.00} to be exact ) and currently owe {$87000.00}. I feel this is predatory lending practices. So not only do I still essentially owe the original $ XXXX, but also $ XXXX more on top of that, despite having paid back over {$120000.00}. Wells Fargo lent me $ XXXX and has made an additional {$76000.00} profit off off me, so not only have I paid back the original loan amount, but more than $ 75k on top of that - more than double the original loan amount! 

( 5 ) Note on interest : On both of my loans, my interest is more than double the principle. I pay over {$1500.00} a month combined. 

( 6 ) Other student loans : In comparison, my other two $ XXXX loans from other companies are {$200.00} a month and {$260.00} a month, respectively, for a total of {$460.00} a month. Wells Fargo is surcharging me over {$1000.00} a month over what my other loans are ( same original principle ).
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
AmeriFinance INC, is currently my Lienholder for my XXXX XXXX XXXX. While having a few financial problems in the past few months due to a breach of identity theft and bank fraud. This company calls me multiple times a day, different representatives, different languages other than English. Not only to do I speak to one representative, someone else will email me, Text me. The company has called my family members repeatedly. They also have an automatic call system to call me every few hours. I have explained to the company that the best option is to email me. While working in a secure building during working business hours. I am unable to answer my telephone. On average they leave about 2-3 voicemails daily. I have never been more than 30 days late on this loan. While speaking to family members, One of the agents spoke about the loan to a relative. In return, They were able to inform me about what was owed on the account and my monthly bill. I find myself making a payment arrangement with an agent via email. whereas they still contact me about the debt. No one speaks to each other or provide notes.
On XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/2018, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This is false information, being that I received a letter from the Bankruptcy Court stating that they do NOT perform any activities with the credit bureaus. Then on XX/XX/2018, I received another letter saying that I requested them to initiate a dispute on my behalf with XXXX, XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response I received from LexisNexis, they have not only violated federal law, because reporting per FCRA should be 100 % accurate, but they have failed to properly provide any viable evidence, bearing my signature or showing the account is being reported accurately, which is what I initially requested. I have attached evidence to support my complaint. The entry is inaccurate and unverified so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus - XXXX, XXXX, and XXXX, being that LexisNexis is who reported the information to them.
repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX.
We resubmitted a complaint because the issue that was previously deleted went back on my credit report. Please delete the judgement off of my credit report once and for all.
I had a vehicle loan that was opened by a dealership on my behalf with Chase vehicle loans. I set up my account to automatically pay the bill every month through the Chase website from my Chase checking account. I paid this loan off early, this process closed my chase auto loan account and shut off access to it ( which makes sense you should n't need access to it ). My issue is that the automatic bill pay continued to draw the standard payment from my checking account after the account was closed. When I called Chase they informed me that I had to go into my account to cancel the automatic payments however since the account was closed I obviously could not do so. After an hour or so talking to various help desks they were able to cancel future payments to the closed account however the {$640.00} that they had drawn from my checking account was not returned. The Chase representative said it would take 20 business days to return the funds to my account. As Chase requires that their customers cancel recurring payments on accounts that they can not access and then bars customers access to their own funds, I believe that this would fall under the category of deceptive or unfair behavior.
I have multiple loans that were reported delinquent by Nelnet, past the 120-day mark, while I was still meeting all enrollment requirements to defer my payments. This has left my credit severely damaged. I have proof from my University that I was enrolled during the alleged delinquency, and have submitted dozens of requests for review of my dispute. Nelnet only accepts disputes via fax, which is an absurd limit on the capabilities of communication for something so serious. It took them months to finally reply, only to reject my dispute with very vague reasoning. 

My credit has been majorly impacted for these delinquencies that should never have been triggered in the first place. These reports need to be removed from my credit score.
I filed for a mortgage loan deferment with XXXX XXXX because I was recalled to Military XXXX. I have an approved mortgage deferment agreement and yet XXXX XXXX still reported me as delinquent from XXXX to XXXX 2015. Thus, this really hurt my credit score and unable to obtain a car loan. Herewith attached is the deferment agreement pertaining to my mortgage.
This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XX/XX/XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
I moved to a different state and got a new phone number ( land line ). this company CBE has been calling ever since I moved in a month ago. I told them this is not the number of the person they are trying to reach, but they keep calling ( several weeks and many times a day ). They told me i had to call my phone carrier and tell them to update some number registry and that they would remove my number. The calls have not stopped, They called 7 times today ( auto dialer- XXXX )
After a review of my credit report I noticed that Trans Union and XXXX have failed to show a discharge of a public record  Bankruptcy. 

Chapter XXXX status should be discharged as of XX/XX/2018!
I sent XXXX And Experian multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
XXXX RAN MY CREDIT TWICE IN ERROR! ONLY WAS TO SOFT INQUIRY.
I have been in contact with Professional finance regarding XXXX accounts that are being reported to Experian, I have disputed both of them via Certified mail and in response Experian has claimed they are accurate and verified, Attached is a letter from Professional finance agreeing to remove themselves from my credit record. I sent a letter to Experian and in return they refuse to reinvestigate. Experian refuses to deal with me and remove inaccurate information from my credit report.
The billed amount was not sent to the insurance company. The doctor office never said it wil be my responsibility. i am a student and cant afford the whole amout
Earlier this year Barclays called me asking about why not staying current on card. I advised I was, but because of a dispute over a late fee, it spiraled out of control. Several attempts were ignored and nothing done. Agent arranged to call me back later that day. 

I call Barclays when agent missed call back time. Retold story and got no where. Gave up. Frustrated took some time and called back. 

Agent worked out agreement and advised amount needed to be paid and late fees will be removed. Interest to be recalculated. Payment made. Call ended. 

Time goes by next bill arrives and again past due! Call in and was advised a payment plan and reduced interest can be offered. So I take it. Letter confirmation was to be sent. ( Never received ). Payment to bring compliance and make initial {$33.00} payment was made with agent. 

Next bill again past due. Credit continues to be damaged with bad payment statuses. Barclays doesnt care. Bounced around finally get a USA supervisor. Situation explained and supervisor is just confused. Supervisor looks up call records and requested tape pulls. Follow up to occur which never happened. Minimum {$33.00} paid. 

Call back at next bill and still past due with no response, minimum XXXX paid again. Bouncing around again finally get USA supervisor. Supervisor reviews notes and understands situation. 

When payment agreement was made was after bill closing date, but still in old cycle. This was late XXXX. Agent making agreement caused problem by putting into XXXX and not correct month of XXXX. 
Supervisor takes info and supposed to call me back. No call received. 

Communication to Barclays via secured online email is generic unrelated responses. Letter sent by via USPS advising that matter is still being investigated. 

Received letter advising account is being transferred to XXXX. Now I have no agreement from Barclays. Continuous unresolved disputes against Barclays, whom is only delaying resolution until account transfer. 

Unacceptable. Barclays needs to keep this account resolve the issues and update the damage they caused to my credit.