WillisBack/dataset-financial-user-claim huggingface dataset:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?
Our home flooded when a bathroom sink pipe broke while we were away at XXXX. PennyMac financial has been holding our insurance payment for over {$120000.00} that was long ago paid by our home insurance company. The work is almost entirely completed, and they still have n't sent any initial funds. PennyMac has been passing the papers around internally, re-requesting documents we already sent, missing deadlines, and failing to communicate appropriately. They have less than 20 % loan to value on our property, and yet are still withholding our check where repairs are 90 % complete. Several times they have claimed that checks are on the way, and we find out later they are still not giving honest answers. We call them daily now, and they put a different person on the phone each time, and will not have supervisors call us back. We have paid our XXXX money out of our own pockets for the repairs as he is 90 days into the project. There seems to be no end in sight to their ability to keep deferring things 72 hours, 3-5 days etc, for problems that are all created on their end.
I have received between 5 and 10 calls, every single day for months. I have asked that they stop calling my cell phone, since they are calling so much and the calls just increased. Some of the calls, when answered, just sit quietly and hang up after a minute or so, others they answer the phone screaming and then when you tell them you don't appreciate being called 10 times a day they tell you to " get over it. '' They also call from a different, but similar, number every single time, so trying to block the numbers won't work either. Tonight, I stated that I was going to report them and the woman laughed at me and said " like the government would take the side of someone who owes money over the ones putting money in their pockets. '' I understand I owe a debt, I have lost my job, I have properly communicated this information with XXXX XXXX   per my signed agreement, yet they are literally harassing me all day and night, every single day and night.
This company continue to contact my family members and landlord also my job. I have no idea how they are getting my families information. No one they are contacting are a reference. Also I spoke with a very rude man that called my job. He XXXX XXXX said he had a warrant for my arrest and when I asked him for what his response was he did n't know, that 's strange if he had a warrant. These unprofessional, illegal collection need to stop. Over I asked him do not call my job again he called my HR dept. This was very embarrassing.
CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED
I have been trying to obtain a copy of my credit report for years to no avail. They ask you a list of questions, and if they have the incorrect information, they deny you a credit report. The information that they have is incorrect and I know why it is incorrect. The problem is that even if the information is incorrect, there is no one to speak to about it. When you call, you receive an automated voice message telling you to send personal information through the mail. I was just ripped off by the postal service last year. Out of XXXX boxes, the only XXXX that were missing were the insured boxes. They stole XXXX books that were supposedly insured. When I submitted a claim for them, I was denied any compensation, nor did I ever recover any of my books. I was not even compensated for over XXXX dollars in postage. And they want me to send my personal information to them through the mail! I would like the free copy of my credit report that I am told I am entitled to. How can I dispute anything on the report if I ca n't even see the report? The whole process is asinine.
There is a lot more but all documentation is in my lawyer 's hands. 
I can sure provide copy and much more details if needed this has been going on for over a year now and at least 6 months since my initial call to the bank. 

Santander has been the subject of other lawsuits. My complaint appears to be similar. I've been paying the loan for over 3 years. Around XX/XX/XXXX strange things started to happen to my account, which I noticed around XX/XX/XXXX. None of ALL the payments I made in that period, went towards the principal of the loan. 100 % of each payment ( around XXXX $ / month ) went towards the interest with the obvious consequence that the payoff amount didn't go down XXXX cent. Countless calls never answered, a proof of a contract requested ( other than the paperwork I have from the car dealer ) was never produced and also my lawyer never received anything. On top of that instead of answering, I received a threat they would repossess my car if I didn't pay XXXX . I agreed to pay XXXX $ and another XXXX next Friday. will this solve? They say my account is still past due which is what they want so payments will only go towards interest. One day they say I'm current and the next I'm past due for XXXX .
My mortgage servicing was purchased by MidFirst Bank, acting through it's division XXXX XXXX  and was transferred on XX/XX/2018. It is now XX/XX/2018 which is 126 days since transfer and I've made five mortgage payments ( XX/XX/XXXX-XX/XX/XXXX) to XXXX XXXX. XXXX XXXX has not reported any of these payments, or the existence of the account, to any of the three credit bureau 's and it is negatively impacting my credit score, as it shows my previous mortgage account as closed in XXXX and now appears as if I have no active mortgage account. 

I contacted customer service via phone in mid-XX/XX/XXXX and was assured that my payments and this account would be reported to the credit agencies on XX/XX/XXXX. This did not occur. 

I emailed customer service on XX/XX/XXXX and have not received a response.
On XX/XX/2018 Experian added a collections account {$5200.00} to my credit profile. Fail to send a written notice of debt before adding it to my credit profile.
I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.
Lexis Nexis XXXX XXXX XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX XXXX This is an ongoing issue I have to file a report with XXXX Ohio Police Dept . I am no longer living in Ohio. Some one has access my personal files and taken out accounts for business in my name..
My mortgage was sold to Ditech soon after I purchased my home in XXXX, XXXX. I had set up an escrow account with the original company handling my loan. Here 's the problem : In South Carolina ( maybe other states as well ) persons XXXX years of age and older are allowed a Homestead Exemption on property tax. Nice, right? Ditech refuses to honor that exemption and has, for nearly XXXX full year, been over-charging me in the amount it collects for escrow. I have been communicating with them since XXXX, XXXX, when I realized what was happening. They are stone-walling me at every step. I sent the tax bill from XXXX XXXX, SC directly to their Tax Dept., per instructions from their Customer Service Dept. A few weeks ago I spoke with a Supervisor in their Tax Dept. who was going to look in to this issue. I heard nothing back ; meanwhile, taxes still not reflecting the exemption. Today I spoke with the same Supervisor. He wondered if the document I sent to his department maybe " got lost in the mail? '' But, in any case, he explained they would not be changing what they are collecting from me monthly tax-wise. 
Even more curious, the Customer Service Rep. I spoke with before she transferred me to this XXXX XXXX, had my information right in front of her. She said, yes your taxes are showing a reduction, and gave the correct amount allowing for the exemption. Still the tax department can not manage to make the necessary adjustments. I believe that this is being done purposefully, without a doubt. I am starting to look at refinancing with my local bank ASAP. Ditech is, in my mind, behaving in a criminal manner in regard to my mortgage/escrow account.
I bank with  XXXX  and deposited a check by my neighbor on the mobile app it showed depositing into " account/routing # '' so assuming it was my account # I used it for my direct deposit form for my new job. On  XXXX  my check of {$ XXXX } was deposited into my neighbor 's account for Bank of America because of the glitch on the mobile app. I called Bank of America and the first person went into the account and said it was deposited and to go to the neighbor and get My money back. My husband called again to see why the account was n't verified and the  3 ba nk of America employees/Managers said they do not verify names  or SSN for  direct deposit. We called the BBB and they said that is incorrect so we called Bank of America back and they said BBB are liars. No one was willing to help us not even willing to inform their customer that their account was added funds incorrectly. My neighbor is a good guy and is out of town any money he spends that is mine can and will be fraud.
In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted Vitek Morgage Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.
I keep getting something that says that my bank information was incorrect while it is. It 's also not regestering my job.
On XX/XX/XXXX, I had a {$0.00} balance on my Victoria Secret 's Credit Card. 
On XX/XX/XXXX I made a purchase at a Victoria Secret Store for {$16.00} On XX/XX/XXXX ( a Friday ), my payment was due. 
On XX/XX/XXXX I paid the complete {$16.00} off. 
Due to being 1 buiness day late I was chagred a late fee of {$16.00}, the same fee as my initial purchase. 
Prior to my XX/XX/XXXX due date I asked for a late fee removal, no additional charges were made and the only balance due was my {$16.00} late fee that I was asking to be removed. 
The decision by XXXX XXXX to not waive this late fee was made after XX/XX/XXXX, causing my payment to be late. 
On XX/XX/XXXX, I paid the late fee of {$16.00} they refused to credit me for. 
On XX/XX/XXXX, I was also charged another {$16.00} late fee. 
My total cost for my {$16.00} purchase is now {$48.00}
NATIONSTAR MORTGAGE CONTINUES TO LIE TO CUSTOMERS ABOUT OWNERSHIP OF THEIR MORTGAGES. OVER AND OVER THEY CLAIM TO BE THE FEDERAL GOVERNMENT WHILE ACTIVELY DEFRAUDING IT THROUGH A COMPLEX BUT EASILY UNRAVELED FORECLOSURE SCAM. 

NATIONSTAR CONTINUES TO LIE ON THE CFPB RESPONSES, IGNORING NEW EVIDENCE WHILE PENCIL WHIPPING THE SAME, LYING, DISHONEST ANSWERS FROM PRIOR DECEPTIVE ANSWERS. 

NATIONSTAR TOLD THE CFPB THAT OUR PAYMENT IS {$940.00} THIS MONTH BUT OUR STATEMENT IN THE MAIL IS JUST UNDER {$2500.00} .... INTENTIONALLY DECEPTIVE WITH FEES ADDED AND GROWING FOR NO VALID REASON. 

NATIONSTAR REFUSES TO MAIL ACCURATE MONTHLY STATEMENTS. 

NATIONSTAR CONTINUES TO STEAL PRINCIPAL WITHOUT CREDIT. 

XXXX AND XXXX ARE RUNNING A WELL ORGANIZED, MULTIBILLION DOLLAR, CRIMINAL SCAM. 

FORTRESS INVESTMENTS AND NATIONSTAR ARE CRIMINAL ORGANIZATIONS AND XXXX SEEMS TO BE THE SOLE SOURCE OF ALL OF THE VIOLATIONS BELOW HIM. THEFT, DECEPTION AND WRONGDOING ARE STANDARD. 

COMPLIANCE IS NEAR XXXX
On XX/XX/2015 I received a phone call from XXXX regarding my monthly payment due to Republic Finance.  I explained to her that I would be in on the XXXX which I always pay at the end of the month.  She called me on XX/XX/2015 again which is a violation of my consumer rights due to the fact that we had discussed the arrangement on the XXXX.  With that being said, her call on the XXXX is considered harassment being that she should not have contacted me again for XXXX hours.
COINBASE. last week my ability to buy Digital coijs was shut off. I have been able to buy for over 3 months. When I first reached out to Coinbase I did not get a response. I then sent a second request as to why they disabled my ability to buy to which I recieved a generic response. 
XX/XX/2017 | XXXX PDT XXXX replied : Hello, A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause.
We regret that we are not able to supply you with any additional information.
Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. 

Again, I apologize for any inconvenience this has caused you. 

So they have no real reson but just because ... they did this after asking me to upload my bank records my id and my ssn information ... it is very uppseting to deal with these hassles after complying with all request
I saw on my credit where there are a lot of hard enquires, that I did not authorize I bought a car in XX/XX/XXXX. I reached out to the credit bureaus and explain to them I am a victim of an identity thief provide them with police reports, XXXX and XXXX tried to work with me but Equifax refuses to even send me a credit report or removed the hard enquires that I did not sign for. I explain to the bureaus I bought a car in XX/XX/XXXX and did not try to buy a next one in XX/XX/XXXX of the same year for my credit to run and secondly, I consent to no one to run my credit for no auto loan in XX/XX/XXXX. So why is my credit being run in XX/XX/XXXX so many times by Equifax.
On or about XX/XX/2018 EverBank, XXXX representatives XXXX XXXX, stated at my closing date on XX/XX/18, that an outstanding mortage loan that was taken On or about XXXX, would be satisfied by the owner. She indicated it was discussed with the sellers representative, and documentation would be provided to me at closing, once the seller pays off the loan from the sale of the property at closing. XXXX XXXX XXXX when so far to state that the loan would then be satisfied and the title would be clean and clear, which would deem me as the rightful owner of the property. The bank knowingly positions a false narrative to purchasing the property, when it was clear that the property could never be sold. 

Everbank was misleading and did not follow banking policies and procedures knowing that I purchasing the property would never be accomplished due to representatives at Ever Bank, XXXX, delayed the process of proceeding to close on the home using many unfair tactics, being aware that the open loan was a loan that can never be satisfied at closing, because in fact the seller had taken out a Home Equity Loan. The bank is well aware that taking out an Home Equity Loan, means in fact the equity is taken out against the home leaving the value of the home is worth less than what it is appraised, due to the equity being taken out of the home. The bank never once dispels this matter to me, withholding this information to me as the buyer. Instead the following representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ), used stall tactics and put unnecessary barriers that refusing to follow policies and procedures, under the notions or in lure of not being able to complete these steps. I was still able to complete all requirements stated on the commitment letter, that Ever Bank, XXXX also delayed dispensing to me as well, which XXXX XXXX were aware and allowed the false banking practices to proceed. 
The representatives, that handled my VA XXXX traditional Home Mortgage Loan process as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all had the documentation of the type of loan that was taken out against the home ( Home Equity Loan ). The Bank still proceeded to state on one end I was ready for closing, and on the other end I was not ready for closing, due to stall tactics that were against policies and procedures all to distract me from finding out that the seller has taken out an Home Equity Loan taking all the equity out of the home as well as that Deed of Trust is not within the sellers possession. 

Ever Bank, XXXX has convinced me to dispense expenses towards the home, which amounted over XXXX dollars on the intention that I would obtain the loan, knowing that this could never occur due to the seller taking out a Home Equity Loan, which took all the equity out of the home, which the property is worth less than what is appraised for and could never be sold..
in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.
Tuesday, XX/XX/2018, I received a letter from SIMM Associates , Inc. stating, " Your account has been forwarded to this office for collections. This is a formal demand upon you for your payment of this debt ; however, our client, XXXX XXXX XXXX has authorized us to attempt a discounted payoff of your current outstanding balance. '' They want {$1200.00}. I do not owe anyone this, especially not this much money. I have never heard of " XXXX XXXX XXXX '' nor of SIMM Associates. In other words, I suspect this is a scam.
In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my CBR as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act.

Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency.

Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
On XX/XX/2018, I filed complaint # XXXX with the Consumer Financial Protection Bureau. This matter was resolved by Dovenmuehle Mortgage Inc on XX/XX/2018. I was told via letter that all late charges associated with my account were waived and that my account was up-to-date. I also received a phone call from a representative from Dovenmuehle Mortgage Inc.that stated that my account was no longer past due. Soon after, the harassing phone calls resumed and I was being told that I missed the monthly payments. I waited to file this complaint because I thought that their system would need some time to update my account based on the " resolution '' of my last complaint, however, the matter has not been resolved. According to the recent letter sent to me by mail on XX/XX/18, I am being accused of having a back balance of {$1600.00} for missed mortgage payments for XX/XX/XXXX and XX/XX/2018 including {$230.00} for attorney and late fees. As of XX/XX/2018, Dovenmuehle Mortgage Inc. has cashed 8 checks from me this year via XXXX XXXX XXXX. Those amounts include {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$700.00} on XX/XX/18, {$680.00} on XX/XX/18, {$680.00} on XX/XX/18, and {$700.00} on XX/XX/18. I am not missing any mortgage payments and have proof from XXXX XXXX XXXX  stating that Dovenmuehle Mortgage Inc. cashed 8 mortgages checks from me for XX/XX/2018 thus far.
Good Morning, I am reporting a creditor the XXXX XXXX XXXX because on Friday I went online to pull my credit report to look into purchasing a home in 2016 only to discover that this creditor has reported to the credit agency that my debt was essentially charged off and a written off on my credit report which is totally inaccurate. The debt in question has indeed received full payment and satisfied. The creditor I assume sold the debt to a debt collection agency who I had absolutely no contract with to collect the debt. I am requesting this debt be deleted off my credit report for inaccurate reporting and any funds I paid after the charge off date be refunded to me for the false information they have reported to the credit agency on all XXXX bureaus
Received letter ( XXXX/XXXX/16 ) from company ( " American Coradius International LLC '' ) claiming to be collections company indicating I owe {$370.00} to " XXXX '' via my XXXX account. I do not recognize the amount or the " XXXX '' name. I logged in to my XXXX account ( XXXX/XXXX/16 ) and note that no balance is present and any payments I made via credit during the past year and prior are resolved, with no indication of money owed. I have checked my XXXX and XXXX credit reports ( XXXX/XXXX/16 ) and see no indication of the {$370.00} debt or the " XXXX '' name, nor any other past due debts.