WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is against Penny Mac Loan Services. 

Last year my house flooded due to a pipe break caused by a storm. At the time the insurance company underpaid the insurance claim by over {$60000.00}. It took a year to get resolved but we finally got a settlement for {$32000.00} on XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX I called Penny Mac to state we received our settlement amount and that we had completed all repairs. At this time we were currently going through mortgage modification. 

I called in on XXXX to inform Penny Mac that we have a settlement but no checks yet. I asked to have an inspection on the home since we completed all repairs on the home. At this time I was told they could not send out an inspector until we received the checks. At the time I joked and said " I hope a storm does not come through and redamage the home. '' Hurricane XXXX hit and damaged the home with rain water intrusion and broken windows. I received the insurance checks on XXXX. I contacted Penny Mac about releasing the funds to me. It was denied because they wanted to do an inspection. I told them the work had been completed already. 

I have been having weekly conversations about the exception to have our check endorsed. Penny Mac was inconsistant with the needed documentation. We provided everything we could over a 30 day period. Finally on XXXX XXXX we were told that we can get the check endorsed as long as we sent over the settlement documents and the check with a prepaid envelope. We followed the instructions but this was just a ruse to get us to send in the check. Once we sent in the check we were told that it was not going to be endorsed and sent back. That the funds would be paid out AFTER ALL THE NEW DAMAGE WAS REPAIRED. 

Because they told us that they were going to endorse and send back the check immediately we moved forward on other options within our home and used reserve funds to get things completed. Now it could take months or years to get our money back from the bank. 

This is currently causing a loss of {$14000.00} per day for my business because I do not have the funds that should be mine.
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XX/XX/XXXX, & XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
I recently reviewed my credit report and notice several incorrect information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the allege debt validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt sent me forged documents ), XXXX XXXX XXXX ( never validated the allege debt has not responded to any notices ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor has the company added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau but I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent XXXX, Transunion, and XXXX notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
XXXX credit card ( XXXX XXXX ) charged off my credit card account on XX/XX/XXXX to Portfolio Recovery. 

Portfolio Recovery relisted my account as Delinquent on XX/XX/XXXX for the same debt.
We annually apply for Income Based Repayment with Navient and XXXX. Navient consistently does n't know what and when we have applied. They require us to re-apply two to three times as they can not seem to find the paperwork. For example, last week we re-submitted paperwork through the StudentLoans.gov website and XXXX had received and completed the paperwork in less than 48 hours. Navient on the otherhand, can not find it and claim we did n't send it, even though we have proof we did. It seems they purposefully miss or lose paperwork so we are forced to pay on the loan.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the XXXX  of XXXX XXXX  XXXX  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX STE XXXX, XXXX, GA XXXX
XXXX XXXX is supposed to be removed it was paid and I was told years ago it would be removed. I attached a paid in full letter.
I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late.
XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid  {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
XXXX XXXX failed to properly mail me the monthly invoice. This has happened in the past also. They have a hard rule : only one late fee waiver per length of loan ... even if it is their fault. I have attempted numerous times to speak with CSR 's and supervisors and continue to waste my time getting the same company response, I would venture to say ... that they can do or probably this intentionally to create yet another income stream or revenue source from poor unsuspecting customers ... just like XXXX did with the XXXX battery. My credit rating is important to me ... but more importantly is the way a company treats its customers ... go online and type in XXXX and see all the unhappy customers that have filed complaints.
I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.
Collection Consultants is attempting to collect for a medical bill that does not belong to me. As part of my job working for the County of XXXX XXXX in the XXXX XXXX XXXX I am required to take minor children for medical attention. They are not my children and I have no legal responsibility for them whil they are in the care of the state. I have called Collection Consultants and explained that I am not responsible for these minor children and asked them to VALIDATE the debt they are attempting to collect. They have ignored every request for validation and yet continue to report this to the major bureaus despite my disputes. They focus ONLY on collecting and make no effort to actually determine if the debt is really mine. This is in direct conflict with the Fair Debt Collection Practices Act XXXX Federal and State of California ).
I have XXXX bankruptcy on my credit that was dismissed, They will not take this off my credit report. I dont know what else to do about this. I have written Equifax in reference to this matter.
American Honda XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation.

American Honda has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
I requested a due date change from bmw financial in XXXX 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for XX/XX/XXXX ( i believe ) posted on the XXXX day and BMW marked me as late with all XXXX credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions
This company is repeatedly calling me about a check I wrote 18 years ago that was supposedly returned. If it was, I resolved any returned checks I had at that time. They refuse to send me anything by mail and keep calling both my cell phone and my house phone. They have spoofed multiple numbers but have called from the XXXX number the most. They are extremely rude and hang up on you if you ask them to send you information in writing. If you search the number they are doing the same thing to many other people. I would not pay a debt without information in writing or knowing anything about it. They know my name, my phone number, my date of birth, and the last XXXX digits of my social!!! That is scary!
I had an appointment with Wells Fargo mortgage on Saturday XX/XX/2017 and that lady from mortgage she did n't knowledge me, she treated the people that I was and her desk good and another person was waiting in the lobby and when it was my turn she did emphasize with me. I explain everything what is going now with my mortgage and she did n't encourage me to get a loan and she said is going to send me referrals for real state that day she even send those referrals. She saw I was XXXX and that 's way she treated me like that. I feel descriminated.
Per the credit report attached, a payment arrangement was made via XXXX on behalf of University XXXX XXXX. The first on-time payment was made XXXX/XXXX/2016. The next payment scheduled is on XXXX/XXXX/2016. 
In reviewing my credit report Experian has reported late payments in XXXX and XXXX 2016 is incorrect. 
Upon reviewing my credit report, I contacted XXXX and was told they did not report this information to Experian. So Experian has to correct immediately!
On the morning of XX/XX/XXXX approx. XXXX XXXX  I received a call from my mother regarding a call she received about a debt, my debt. The representative of XXXX ( XXXX ) XX/XX/XXXX XXXX called my mothers cell phone number XXXX, spoke to my mother and informed her of my personal debt in detail without confirmation of the identity of the debtor. Based on information provided by my mother was that the caller asked for XXXX XXXX, my mother did not confirm her identity as XXXX, but merely responded how can I help you ... the representative then requested a date of birth, and my mother inquired who's and the response was for XXXX 's which of course my mother knew, and at that point the representative preceded with the debit details and pressuring for payment. The concerns is that my mother is a senior, fixed income and many personal medical issues and felt pressured to make restitution of this debt for me, but really does not have the means to do so ... .She told the representative that she would need to look at her budget and call back. At that time my mother called me in tears and upset and I was angry that they placed the pressure on my mother. I feel as though the pressure to collect and the lack of identity verification violates the regulations to protect the consumer and the consumers privacy. I followed up to obtain details of the debt be mailed to my home, so I may review and take the time to look at my budget and work to make restitution. I am sure there are recording of the exchange with the debt collector and would like them investigated for their violations.
I received a letter in the mail from Castle Payday ( not a payday loan, so they claim ). 
while applying online with specific agreements and rates and how much i would be paying and interest and fees, every thing was flowing smooth and i agreed on an {$800.00} loan. 
before i could finish the process, they call me and want to finish out on the phone and they tried changing up the agreement where i would pay a {$400.00} fee up front on my first payment, I told them that was not the agreement i electronically signed on the application over the internet, and that if we are going to proceed, I will only agree to the original contract i signed, they finally after bickering back and forth agreed ( i think just to shut me up ), they pulled a bait and switch on me - they then proceeded and the next day, I had {$800.00} in my account, i called on my due date to process payment which was automatic but i needed to confirm it, they wanted {$400.00}, I told them that was not the agreement i signed, they then email me an agreement that i never saw before, not once, it had a 560 % interest rate, making the total {$800.00} loan, {$6200.00} - - i would never in my life agree to a loan like that, it is insane, ( im enclosing an attachment of the agreement, i had never seen this nor did i sign this, my first time even knowing about it was when they sent it to meafter i complained with them for not honoring the agreement - this is not the agreement i signed or acknowledged ) i never was presented with this - i called and they told me i could pay XXXX and close out the loan, i said i dont have XXXX could i pay the XXXX and then pay the rest next month and it close out, they confirmed that yes i could ... ..next month rolls around and they tell me i have to pay another XXXX plus the XXXX, i cant just pay the XXXX ... .basically i have to pay XXXX out right, at least thats what they tell me this time, im sure it would change next month as it has changed every time i talk with them, they dont honor their agreements so i shut down my bank account and im not going to honor my original agreement, they got their money back and they are not getting anymore, my only concern now is that because they are deceitful and scamming and have the abilities, they can now affect my credit ... im not the only one, there is a website of XXXX 's of complaints identical to mine in regards to castle payday consumer loans
Hello I have applied several times to receive my 3 free annual credit reports. I have been receiving them for the past 5 years without any problem. Now 2 companies, XXXX and Trans-Union have put up roadblocks and are stonewalling me. Trans-union is claiming they never heard of me and I am using a factious address. XXXX  sent me my annual report within a week. It is only these two companies who are giving me a problem and have something to hid. They are not adhering to the law and refuse to comply with my request Cordially, XXXX XXXX ( XXXX ) XXXX
On XX/XX/XXXX I called TransUnion to have inquires removed that were not requested by me. I was told that I was unable to do so. After researching, I found that inaccurate information reported should be removed within 30 days if they are unable to validate it. I called TransUnion again today, XX/XX/XXXX and spoke to a rep that was found outside of the U.S. I again tried to dispute/delete the inquires that did not belong to me and the rep told me that I am unable to dispute or remove them for 2 years. I explained that it was inaccurate information that was reporting to my credit report and he again said that I had to wait 2 years for them to be removed. The rep then asked me if any of the collection accounts were not mine. I explained that I was not calling about any of the accounts listed as collection or open on my credit report and that I was calling because there were several inquires from companies I did not agree to or approve of. The following companies are those which need to be removed : XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX The rep refused to dispute or remove the inquires.
I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.
My identity was stolen by a person who opened accounts under my name with XXXX and XXXX. The problem now relates to XXXX. XXXX merged with XXXX. XXXX sent an account in my name to a collection company called Diversified Consultants , Inc. a/k/a DCI. I filed a police report with my local police about this identity theft XX/XX/XXXX. I applied for a mortgage and it was reported by XXXX that I owed XXXX {$1900.00}. I never have had any accounts or done any business with XXXX or XXXX. DCI had reported my account as " collection '. The lender tried to resolve this matter. I joined in a conference call and the man calling himself XXXX XXXX at DCI told them : the balance is still owing ''. This conference call was made to XXXX. He lied and insisted throughout the phone call that I had to pay this balance. Additionally, DCI had this account listed as a fraud and continued to try to collect this debt when they had full knowledge that I did not owe them money.
Equifax stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to Equifax, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that Equifax and XXXX  has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.
I have been battleing to get a XXXX XXXX XXXX account removed from my credit report. It was tampered with while I was out of the country. XXXX XXXX XXXX charged it off and I filed everything with them but they did not do anything. Very frustrating. Attached is what I sent the credit bureau as a the most recent letter. They told me that it was " verified '' that it was my account even though the address was n't even mine. 

See attached documents to reference the process I went through. 

Thank you for your assistance
On XX/XX/2018 Waypoint Resource group placed an account on my credit report ( XXXX and XXXX ) for an account that does not belong to me. I have never received any documentation or letters from them. The original creditor is XXXX/XXXX in Florida. 
On XX/XX/XXXX I called Waypoint Resource group and spoke with a person by the name of XXXX. When I provided her my name and social security number she stated it didn't match. I never had a bill or balance with this creditor. She spoke with her manager and advised that I could call back later in the week to find out a status for the account.

We ended the call and 10 minutes later they called me back. They kept asking for the wrong person. I advised them that there is no one by that name. They abruptly hung up and continued to call. They never left a voice mail message or any information. 
They are borderline harassing. They have the wrong person for this debt with incorrect information. Check behind this company as they purchased bad debt and trying to collect on it from the wrong people.
My name is XXXX XXXX, i am a XXXX post XXXX veteran, my husband is a senior citizenI Was working with XXXX XXXX on Modification XXXX XXXX for nearly 2 years. He just got indited on for-closure fraud. My mortage has ballooned, I am 1000 % upside down loan to value, Experienced decrease in Now I am attempting to handle this process myself. I just would like for some protection for my case to ensure that Bank of America comply with all Federal, State, and Local regulations assistance due me.
I sent Transunion XXXX total, different disputes by XXXX by certified mail and XXXX by USPS, however, they answered only XXXX within the 30 day window and have not answered or even given responses to the other XXXX.