WillisBack/dataset-financial-user-claim huggingface dataset:
I have owned my home in XXXX, MO for close to 7 years. I took out an FHA mortgage loan through PNC Bank to buy the property. I have run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because PNC Bank has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$7000.00}. I am not able to do this and believe there are other options available, but PNC Bank is saying there is nothing I can do except make the full payment or they will foreclose. 

I began struggling financially a few years ago. I am a XXXX, and when there are jobs the pay is very good. But there was a period where they jobs were few and far between and I began using all of my reserves to keep up with the mortgage loan. In that same time frame my brother passed away and this was a financial and emotional burden and put me in a deeper hole. I reached out to the agents at PNC at that time to see if I could be considered for any type of assistance and it was a very difficult process. I submitted the same documents over and over and seemed to get no traction with PNC and was eventually told that I did not qualify for any help. 

I continued paying as agreed, but last year when I had some down time from work again there was no money left to pay the mortgage payment and I fell behind. I could not make any progress with PNC so I began working with a third party to attempt to get some type of resolution. I was told again that I do not qualify for help. I asked for a solution and was told that I had to pay the full past due balance, PNC would not accept a regular mortgage payment from me. 

Now I am getting harassing letters from PNC Bank stating I will be going into foreclosure if I do n't reinstate the loan. However, I know there are MANY programs available for homeowners with FHA loans that would give me the chance to save my home -- modification, forbearance agreement, partial claim, repayment plan etc. I am not that far behind and I make a pretty good living -- I just ca n't understand how there are no possible programs that I qualify for? It just does not make sense. PNC Bank did not issue a written denial detailing what programs I was reviewed for and why I supposedly " do not qualify. '' Additionally, they repeatedly scrutinized the documents that were submitted and made me submit and resubmit over and over and made me feel like I had to jump through hoops to even get the time of day from them. 

I have put a lot of money and sweat equity into my home and do not want to lose it and want PNC Bank to work with me.
I took out a used car loan with Santadar for a XXXX XXXX XXXX. The truck has a payoff balance of {$29000.00}. I recently lost my job and missed XXXX payment. The monthly payment for my truck is {$660.00} but the past due balance was close to {$1500.00}. I confirmed with a customer service agent with the company that I was only XXXX payment behind. Santander seems to calculate their current balance by any missed payment, the current payment due and the next upcoming payment grossly misrepresenting the amount owed. I asked my I was getting collections notices as I was not behind 90 days. The representative had no answer. I missed my second payment in XX/XX/XXXX. I did not receive any notices in the mail about the company repossessing my vehicle. In the late evening hours on XX/XX/XXXX, I walked outside and my truck had been resposessed. There was no contact information left by the tow company and the offices of Santander were closed. I received no notice that my vehicle would be repossessed since my missed payment in XXXX and the date of resposession. I have missed XXXX payments with Santander and my upcoming due payment would have fallen on XX/XX/XXXX. I have not missed XXXX payments nor am I 90 days late yet the balance due as stated on my Santander account is {$2800.00}. When I called into after my first missed payment I was not given any information on lowering the payments due to hardship or why I was receiving call after call and a huge unwarranted outstanding balance.
I truly do n't believe these credit bureaus such as   XXXX   are taking their consumers concerns seriously. I have been disputing  2 medical debts on my credit report for the past two months. Everytime it c omes back that the debt is proven to be vaild. I then requested a copy of my credit report. I call the collection agency and the date of birth that they have on file is not the same date of birth on my  XXXX  credit report so how can the debt be valid? I dont believe this situation has been investigated at all because if it had been investigated the debts would have been removed from my credit report just for the simple fact that the date of birth does n't match up. The collections are as followed ;  Certified Bureau of So  Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   Balance : {$230.00} Certified Bureau of So Col Opened :  XXXX   XXXX ,   XXXX   Original creditor :  XXXX   XXXX    XXXX   XXXX   Balance : {$83.00}
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request.
Portfolio Recovery has been calling my home phone multiple times per day for the last week. They have now begun calling my cell phone as well. The will call 2 or 3 times in a row. It gets so frustrating that we unplug our phone. I can see every time they call on my phone log. They never leave messages.
While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account.
CitiMortgage paid our 2017 property taxes of XXXX my wife and I paid them back in full and paid our winter taxes on XX/XX/XXXX2017 and they told my wife that they would return our mortgage back to normal of XXXX a month and they lied like they always do, now they are trying to foreclose on our house they raised our monthly payments to XXXX a month through all this we have never missed a payment and they are still going ahead with foreclosure on us and we have never missed a payment in sixteen years we less than half the time to pay off our house please help us keep our house. I have put a lot of our money in the house to keep it up just to lose it to a big back even after we lost half of its value in the house after the market crashed we stayed when everyone else left there house we stayed and continued to pay for it. They have damaged our credit so we ca n't refinance with another bank.
On XX/XX/XXXX Wells Fargo & myself settled on a short sale for my then rental property. I am filing a complaint because of their unprofessional, underhanded & unethical business practices from the beginning of the process even up to now ; and they also handled the process with a lack of integrity. I am very upset that they forced me to sign a waiver to keep my escrow money, prior to explaining or putting in writing how everything would be handled. And if l would n't have signed if they would n't have approved the short sale. Then they waited until after settlement with XXXX verbal excuses in addition to the initial reason as to why l ca n't have my money. It was when I began to complain on many recorded conversations with them after they informed me verbally that the mortgage insurance will take care of any deficiency and XXXX ( form ) monies that l would have been responsible for on the shortage. l have no final figures in writing & l just do n't know what it is they are doing. Now l 'm told by Hud that since we settled the file is closed & they ca n't assist me. The mortgage insurance dept also told me that they could n't assist me & that it 's not clear to them why after settlement W.F. has a mtg insurance on my behalf from XX/XX/XXXX, being applied to XX/XX/XXXX per their records. I asked XXXX. since the mtg ins is taking care of the losses why are they keeping my escrow money as if they are the IRS. I 've spoken to XXXX different people within the last week and a half from XXXX, & I 'm still waiting for an explanation. No one ever seems to know what the other XXXX is doing. Just like when they kept giving my realtor & myself the run around. They added more stress to my life making me a nervous reck. The XXXX reasons to keep the escrow was because l stopped paying the mortgage. Well l only had XXXX tenant & others bills to pay. Then after settlement XXXX more reasons ... ( 1 ) there was an escrow shortage. I told them it was n't short because it was for XX/XX/XXXX. ( 2 ) They claimed they were in the arrears & had n't paid the ins or taxes. I told them how & why l know that was inaccurate. ( 3 ) They used the waiver against me. I told them they underhandedly forced me to sign it. Then they went back to, because l stopped paying the mortgage. So l told them since the insurance was handling it that they 're double dipping. They also gave me a payoff amount, but when they recorded on my credit report they gave a different amount. I have nothing in writing as to how the numbers were finalized. Meaning balance on mortgage, buyer 's cost, deficiency, etc. Please help me to releive this stress, because stress can kill a person. It is not clear to me what mortgage process this relates to below. I hope I checked the correct XXXX. Also please understand this was a hardship for me and l am retired now after working close to XXXX years. 
Thank you
The original creditor had my mailing address incorrect, but they did have a good contact telephone # ; I did n't realize I even owed this until I pulled my credit report. By then the debt had been sold to the collection agency. I never received a bill from the original creditor, or the collection agency. I am an XXXX so I had my wife call the agency based on the info from my credit report. They attempted to use scare tactics to get her to pay it over the phone without ever seeing a statement of any kind. I have filed complaints against both the original creditor and the collection agency, with the XXXX and still have yet to receive proof of this debt despite giving them my correct address. The XXXX response was that they would remove this debt from my credit report once paid, but I never received anything from them. I have even emailed the collection agency 's legal department and they have not responded. I would 've been happy to pay this in the beginning if I had received notification that I owed it.
Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately
Had a loan several years ago with this company & was unable to pay off due to financial hardship. I havent received any correspondence from them & then started getting several harassing calls for the past week from different numbers.I figured they were fraudulent since there were so many & no voicemail, until today. Before I could call them back they had contacted my family members to devulge personal information about me & claimed they were from the XXXX County Sheriffs office & were coming to my family members house to look for me. This cant be legal. This is going overboard. I called them back earlier & it was the same information my family member gave me so I know they are the ones. They said their company is XXXX or XXXX & they are representing XXXX XXXX. They also said it is their locator officer that was impersonating the Sheriffs officer that called my uncle! 
They used several numbers ... XXXX XXXX, XXXX. They claimed my case number is # XXXX XXXX XXXX but couldnt provide me with substantive information. I told them that I would not do any transactions over the phone & they further threatened me with legal action. I provided them with my address so as to send any other correspondence by mail & also asked them to stop threatening my family members. Please look into this case.
I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then Experian refused to provide a credit report based on the Date being today that XXXX rejected my credit application, XXXX/XXXX/XXXX as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by XXXX that I was refused credit and need to pay full price for a cell phone, and Experian instantly refused to provide a report indicating why. Both XXXX and Experian credit reporting agency are at fault here.
Equifax failed to maintain basic security practices, resulting in the loss of private data to unknown souces. Equifax has failed to demonstrate transparency and has deceived the public about it 's knowledge of the data breach, as indicated by Equifax executives selling stock moments before releasing information about the data breach. Finally, Equifax has failed to properly resolve issues that stem from the loss of data that will lead to an increase in identity fraud, by not providing an option to make whole the individuals whose data was lost.
I have received some strange letters in the mail over the course of the past month and I am puzzled because I have been trying to modify my loan and it has been unsuccessful. I am now facing foreclosure in the middle of a loan modification.
This is a complaint against BLOOMINGDALES. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
I am in the process of filing bankruptcy and thereby, collecting information for my lawyer. 
In XXXX XXXX, I had a PC Richard Credit Card from GE Capital consumer Card Company. They have informed me that the statute of limitations has run out. However, XXXX XXXX has been calling me endlessly to collect on this debt, including on a Sunday evening. GE Capital Consumer Card Company changed its name to Synchrony Financial in XXXX to reduce its exposure to the finance business. XXXX XXXX initiated a series of moves to separate this area of the company. That included the Synchrony Financial spinoff and renaming. I am reading on a consumer website that many unaware customers have had trouble contacting Synchrony Financial and thereby incurring interest/late fee 's and having their credit destroyed by this company as my credit was destroyed by this company. 
Please look into this company and I thank you for your time.
The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.
Bank of America continue to report negative items on my credit reports to the major credit bureaus, even after I asked them to discontinue this practice, because I am disputing these items. I even mailed certified return receipts stating " this account is being disputed '' and this company still did not ask these credit bureaus to place this label on my accounts, and they continued to report negative items. After XXXX days and then XXXX days expired, this company is violating the FCRA and the FDCPA by not doing as I requested. Please contact this company for me, and if you will, file a lawsuit for me against them. Thank you! XXXX
My mortgage company ( US Bank ) is not reporting my payments after my chapter XXXX bankruptcy. The loan was not reaffirmed in the ruling. They also did not close a line of credit attached to my checking account, that is being reported negatively, which was part of the bankruptcy discharge.
I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.
Paid reinstatement amount stated by Ocwen in XX/XX/XXXX for {$25000.00}. 
Loan was reinstated Next payment was due XX/XX/XXXX. 
Ocwen applied funds to account and state I owed another {$6500.00} in XXXX. 
I contested this and was stonewalled when I tried to call on numerous times with the person on the phone who promised that this would be resolved. 
My account was frozen in XXXX stating I owed {$1000.00}, but they refused to use money in a suspense account totally {$1000.00}. 
No resolution was ever offered to apply funds properly. 
Account went into foreclosure Property sold to Ocwen ( XXXX XXXX, XXXX ) on XX/XX/XXXX. 
Have been trying to speak to someone about purchasing the home, but have not been allowed to speak to anyone who can make this decision. 
I have retained a lawyer who has tried, unsuccessfully, to speak to someone at Ocwen, they have continually referred us to a company called XXXX. 
This would have never gone to foreclosure if Ocwen honored the reinstatement in XX/XX/XXXX. Through their accounting, application of the {$25000.00} payment, and refusal to allow me to speak to anyone higher than customer service when I call in, have taken my home and given me nothing in the way of any recognition or resolution to the XX/XX/XXXX payment or suspense account money that was never applied.
I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!