WillisBack/dataset-financial-user-claim huggingface dataset:
I have a VA loan that was sold by Mortgage Company to Penney Mac Home loans.
My payments were always on time up to when my checks from the government were stolen.
I immediately contacted and submitted evidence to Penney Mac of ID Theft and Fraud. I froze my files with Credit Bureaus to prevent any further theft.
Penney Mac said they would modified the loan due to the predicament I was in.Within a month, with borrowed money I was able to make payments.
Penney Mac told me not to make the payments because it would change the numbers in the Loan Modification, and for me to wait for the papers. I kept calling them and they kept telling me I should be getting the documents.
I explained my concern over lateness reporting affecting my credit. Told me to no worry, that with a Modification, scores will be fixed in time.
Penney Mac first approved payment was InXX/XX/XXXX.They reported me late from XX/XX/XXXX toXX/XX/XXXX ; which was their own doing for delaying the modification and telling me not to pay. Trying to refinance with Credit Union who will approve loan but needs Penney Mac to fix its credit reporting.
I have been working with Credit Bureaus since I found out on XX/XX/XXXXthat PenneyMac had reported me over 180 days late to the Credit Bureaus, without any explanation to me or the Bureaus.
I was granted a car loan by the Credit Union inXX/XX/XXXX. I have been trying to get the lateness reported resolved with PenneyMac and disputing with the Credit Bureaus what has happened. I have called Penney Mac 18 times. Submitted a complaint with their Customer Service department. Was able to speak to the Modification Department once, and they claimed " no knowledge of what I am stating. '' I asked for a Supervisor or someone who can help me. They claimed they have " No Supervisors, '' and that everything is done electronically. They kept routing me to wrong departments with long waits of 25 minutes and longer, only to hang up on me when they picked up the phone.
Their phone number XXXX listed in the Credit Report is no longer working.
I personally visited our Senator 's office in Colorado and was able to find out that PenneyMac has no physical building in Colorado but a Registered Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX. This a place where anyone or any business can register, to show they have an address in Colorado, which leaves me and any consumer unable to deal with a problem face to face ; and I am wondering if that is legal at all.
The disputes I have entered with XXXX Credit Bureaus all come back as if everything reported in my account is correct.They too, ca n't speak to anyone, but comes back electronically to them. The Bureaus do n't know if it is a computer at PenneyMac responding, or a person. The Credit Report shows that PennyMac will keep reporting the negative portion of my account untilXX/XX/XXXX, including 2 months that show " ND '', meaning " No Data '' but its counted against me.
I need PenneyMac to make good on their words and not count against me something negative credit reporting due to their delays, which " has '' and " is '' affecting me on a daily basis. Thank you
On XXXX XXXX, I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by XXXX  app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the XXXX bank and XXXX immediately. However, the costumer representatives told me that the transaction has been completed and they can not do anything.
On XX/XX/2018 I submitted a request to close my account. Available balance in my account is XXXX. Everbank, which now XXXX has put a block on my account to prevent it from being closed. I've called customer service several times and got no actual reason as to why I cant close my account.
Unauthorized credit Inquiries listed on XXXX. 
XXXX refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX data hack My information was compromised Someone is using my identity.
I refinanced our mortgage and closed on XX/XX/XXXX. Ditech owed us {$3300.00} from the escrow account. 
On XX/XX/XXXX I called Ditech, and they said they mailed a check for the full amount the previous Saturday, XX/XX/XXXX. and gave me the check number. It has not arrived, and it has been 9 days. 

I called Ditech again today, and they said it must have gotten lost in the mail. I was warned beforehand that it could be difficult getting the escrow refunded in a timely manner. I was also told there are regulations that lenders must follow in re : to returning escrow funds, and I research this. There are regulations and fines, and I believe Ditech needs to be investigated and fined for not returning our funds within the required timeframe.
Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.
I applied for a Premier Line of Credit with US Bank. I wasdeclined for this low interest rate vehicle while theyIncreased a credit card available balance from $ XXXX to $ XXXXThis and my regular line of cr have a 22 % As well as myAPR. While my credit is not perfect I believe this redliningMore than anything. I was simultaneously approved byAnother lending institution with a much lower interest rate. 
US Bank claims I have a XXXX cr score while XXXX listsA XXXX credit score from the exact same credit bureau.
I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and medically XXXX arent wanted.
I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.
On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX  is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help
Loanme.com solicited me for a business loan.I sent them bank statements and personal info as well as business info.I asked to borrow XXXX.They came back with an interst rate of 132 %. Not sure that is even legal.I specified that I was looking for a legit offer and not something predatory.I did not want to submit info if it was a waste of time.If I accepted the terms I would have to pay back XXXX.Really? What kind of outfit is doing business here?
this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
I brought a House in VA, I was paying on time and paying a little extra! My spouse and myself got reassigned to another duty station. We work for dod, I was still trying to pay the Mortage and rent. We put the house up for sale first buyer did n't work out problems. I was still paying, I then began to max out my credit card, could n't pay so I went to someone to help me and we put the house up for quick sale, had a buyer and Wells Fargo was taking so long in doing anything the people pulled out! We did n't get another buyer for about 6 or 8 months it was quite awhile. Now we have a buyer again and again Wells Fargo is still giving us problems. The buyers have even gone up on their offer! Wells Fargo keep asking for the same paper work staying they ca n't read it, it 's to blurred some reason to just get putting us off! Then I get another person from Wells Fargo to work on my property that seems not to know what they are doing or how to do a job with the quick sale. When you on my end it would seem that Wells Fargo want this property to go into foreclosure and have set the date for XXXX XXXX, when in fact a year or so ago it would not have gotten to this point the house would have been sold. The person that 's working on this house on my behalf have been calling them every other day or every two days to find out where the process is and what is taking so long. She is been told it 's at this desk and that desk should be hearing something and then nothing. I have send every paper work they asked for and twice some time! Have mad the home accessible, It 's like they let paperwork expire and they need it again, I have even put so much more in this house to ensure that its fixed correctly, this house has cause me a hard ship and it should n't have due to it could have been sold a year ago. To me it seems that Wells Fargo is the one that is holding up this progress and causing us to loose the buyers for this short sale because the buyers are not wanting to wait, as if they want the foreclosure it to take place! Instead of trying to help, they to are causing a hardship causing stress causing sleepless night and tears for not helping the seller!
I consolidated my student loans through the XXXX program in XXXX XXXX. My original loan amount was for {$12000.00} at XXXX % interest. At the time of consolidation, the loan was serviced by XXXX XXXX, which offered a 0.25 % reduction in the interest rate if the loan was paid by automatic deposit every month as well as a reduction of 1.00 % from the interest rate after 36 on-time payments. I took advantage of these benefits, lowering my interest rate to XXXX %. At some point, without my knowledge, the interest rate was raised again to 5.125 %. Unfortunately, I am unable to see older statements on either the XXXX XXXX or Navient websites, but did contact XXXX XXXX in XXXX XXXX to determine when the interest rate for my loan increased and why. Customer service representatives have been unable to tell me my interest rates at different points in time, nor have the statements for those time periods been accessible to me. I mailed XXXX XXXX a copy of the document describing the 1.00 % interest rate discount, but nothing was done to address my concerns.For the statements that are available, the interest rate has always been 5.125 %. It is frustrating that my student loans, as part of a federal program, are subject to arbitrary interest rate hikes without any notification or justification.
There are inaccurate addresses, spelling of my name and Chapter XXXX Bankruptcy reporting on my credit reports. After viewing my credit reports on XXXX XXXX and XXXX XXXX both are showing inaccurate reporting of Chapter Bankruptcy XXXX discharged. On XXXX XXXX it's showing the Bankruptcy XXXX discharged on Transunion and XXXX  and not XXXX. On XXXX XXXX it's showing on XXXX  and not Transunion ( attached ). 

So I contacted the couthouse in XXXX Mississippi listed on my XXXX  report because on XXXX has it listed as " Federal Court ''  this bankrupcty was dismissed, not discharged and is not reporting 100 % clear and accurate information FCRA 609 ( a ) ( 1 ). The Date of filing is inaccurate also. 

After more research I found that this was also a violation of all 3 companies to insure that grave responsibilities with fairness, impartiality, and a respect for my right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ). In the  case of XXXX Vs XXXX  " reasonable procedures should be carried out to assure maximum possible accuracy '' on my credit report 15 U.S.C. 1681e ( b ). 

And THE ELECTRONIC CODE OF FEDERAL REGULATIONS 660.4 Direct disputes. ( iv ) Information derived from public records, such as judgments, bankruptcies, liens, and other legal matters ( unless provided by a furnisher with an account or other relationship with me, the consumer ). I had no relationship with the courthouse or whatever company furnished this information. 

FDIC 600.1 Authority and purpose ( b ) The Fair Credit Reporting Act requires that Transunion, XXXX, and XXXX provide information to be fair and equitable towards me with regard to the confidentiality, accuracy, and proper use of any information reporting on my credit profile. 

And first-hand knowledge, which means XXXX, XXXX, and Transunion should have on file, if this Bankruptcy was accurately reporting, the actual petition of the bankruptcy, bearing my signature in BLUE INK according to FCRA 603 ( 2 ) Verification ( I ) made in connection with an application that was made by, or a transaction that was initiated by me, or in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ]. 

FCRA 604 15 U.S.C. 1681b XXXX, Transunion and XXXX   maintains under my social security number ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. Making this BANKRUPTCY FILING INCORRECT, INACCURATE AND UNVERIFIABLE.
i need to see my credit report, again. i noticed two items on report that had incorrect info.1 ) XXXX cell phone bill 2 ) $ XXXX dont remember from who.also i have no bank account & only XXXX old phone number, was listed.
My home was taken off my credit report. I filed a bankruptcy loan back in 2008 and I clearly told my attorney to make sure my house was not included in the bankruptcy. My mortgage servicer was Greentree, the mortgage was reported in my credit report properly, but DiTech took my loan and removed my home from my credit report, even though they recently sent me a verification of mortgage stating the home was mine. This has ruined my credit. I have talked to them on many occasions and they are not willing to help. I tried to get a reaffirmation and mt bankruptcy attorney has been uncooperative. My loan investor is XXXX and they have told me they do not know what I should do.
Received credit alerts regarding BARCLAYS BANK DELAWARE Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number not available Contacted Barclay and they have no record of my SSN. So wondering 1, how or why its on my credit report.
On  XXXX / XXXX / 2017  around  XXXX   XXXX  I calle d Chase Credit Cards to request a confirmation of the expiration date of the 0 % interest on the amount borrow ed. I was provided such information :  XXXX / XXXX / 2017 . Consequently I asked what the pay-off amount would be at that date assuming I would continue to make the minimum payments until the n ( Chase already charge me the interest upfront and called it a transfer fee ).  The representative transfer the call to  XXXX   XXXX  TX to a supervisor named  XXXX   XXXX   XXXX  refuse to provide such information and suggested I call back in    XXXX    2017  to obtain the pay off amount. I intend to set the minimum payments in automatic bill pay through my bank and to pay the final pay off amount in the same fashion. I believe tha t Chase refused hoping I will be late on my payments with the expectation of collecting related fines and fees. Please have someone at Chase c all me back with the requested information.
XXXX XXXX XXXX sent our end of lease statement to an old address. the only way I found out about it a few months later was a negative impact to my credit, which was otherwise excellent. I called the customer service in XX/XX/XXXX and spoke to a representative who took my new address in order to send the statement to me. On XX/XX/XXXX I called customer service since I had not received the statement and the customer service representative said that the information had been inputted incorrectly by the previous representative, which is why I had not received it. In the meantime my credit had decreased another 52 points due to their error. I wrote to the credit dispute department on that day, XX/XX/XXXX, appealing for my credit to be restored. I also made a payment toward the balance at that point. I heard back 4 weeks later that they had denied my appeal. On XX/XX/XXXX I reached out to customer service again, as I still had not received my end of lease statement. I found out at that point that making payments toward the balance was not mitigating the negative impact to my credit, so I paid in full. I wrote another appeal to XXXX XXXX XXXX XXXX Department to have my credit restored due to their mistake. They wrote back 4 weeks later again denying the appeal. I have yet to receive the statement, and have always paid every bill on time, but their negligence in not inputting the information correctly and getting me a copy of the statement prevented me from resolving this issue, and they are not taking responsibilty for it to date.
As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. I sent them all appropriate information to identify me. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX not mine
FROM XX/XX/XXXX TO XX/XX/XXXX Making payments to XXXX at {$300.00} a month starting in XX/XX/XXXX. When the Student loan forgiveness act was to be introduced they created Navient to handle services, avoiding the forgiveness act. 

Being a XXXX XXXX i am eligible for dept forgiveness after 10 years. I am currently 7 years from retirement. I believe they deliberately split Navient off to continue to reap gains on payments thus taken the onus off them! In steps Navient to continue to deny any payment to the forgiveness act. 

They say the only way is to refinance. In steps XXXX through XXXX XXXX XXXX. 


Its a shame that the XXXX XXXX XXXX let this happen, corprate greed has destroyed this country.