WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I have been working on purchasing a home with Interlink Mortgage. I agreed to have my credit pulled XX/XX/XXXX and one more time XX/XX/XXXX. I was highly upset when I say they have been pulling my credit monthly since the process. I was never told or asked about obtaining a new credit report every month and now due to the number of inquires it's having a huge impact on my scores. I am XXXX and they had no right or authorization to request my credit every single month without permission.
I have for more than XXXX months tried to talk to PennyMac and even the corporate office about my payments and how money is being applied in addition to the payments they claim they have made to the tax assessors office. my payment went up and I have nothing in writing still. 
in addition to this I have unfortunately fallen behind on my mortgage loan and i have been requesting help with my loan have tried to talk on several occasion to the person assigned to my loan and nothing, until i complaint again one called me back and said she would fedex me a package and nothing i keep writing to them via the internal messenger and its a total waste of time. 

it worries me that they are just waiting to add legal fees and file a notice of default to make it harder and more expensive for me to reinstate the loan, so far as of today i have fallen behind XXXX months. 

I need help with this and i need the lenders cooperation.
On XXXX XXXX 2014 I was in the emergency room at XXXX XXXX XXXX Co. I have double insurance coverage and both companies were billed the total amount instead of billing the secondary only what the primary did not pay. The secondary assumed there was no other insurance and issued an Explanation of Benefits stating {$370.00} was owed. The primary insurance payed all but he {$250.00} deductible and I payed that. The hospital had then been payed the total contracted amount. We contacted XXXX four times and they would not re-bill the Secondary insurance company insisting the problem was the insurance companies fault. We solved the problem by providing information to the secondary insurance company and they reissued a new XXXX stating nothing was owed because the entire contracted amount was payed by the primary insurance company and the deductible was covered by me. XXXX turned the matter over to XXXX XXXX debt collectors. When we explained to XXXX Advantage and sent them the written Explanation of benefits they dropped the matter. XXXX then turned us into another debt collector called Global Receivables. Global receivables does not want to receive any information from us concerning the matter. I told them I would send them XXXX XXXX 's from the insurance companies and they said no. We have been harassed for over a year with threatening phone calls and letters.
I applied online for a credit card from Capital One The card arrived with a fine print agreement which I read and found unacceptable Phoned the impossible to find phone number by calling the validation line and clicking " O ' several times. Informed that account could be closed by submitting my social security number over the phone.Spoke with gentleman called XXXX declining to provide SS # over phone. Informed, therefore account can not be closed. 

I want the account closed and information sharing be prevented.
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX  business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Choice Recovery Debt collector was paid off in full for a medical collection. They are still showing as derogatory on my credit report although it says they were paid off in full.
This is a follow up from my previous complaint which led to 0 change. 

I live in XXXX. 

First, I was told by a Navient customer service representative that I would have no problem making payments from a foreign bank account. I then shifted all of my money to my account in the country where I live. I then found out that autopay is in fact impossible without a US routing number, which actually increases the amount I need to pay. Bad information fro Navient. 

More recently, I made the decision to come off of my income driven repayment plan based upon two emails I received from Navient that said quote : " On XXXX/XXXX/XXXX, your Monthly Payment for your loans enrolled in an Income-Driven Repayment ( IDR ) plan is set to increase to {$160.00}. 

This is the maximum amount you 'll be required to pay each month while you 're in an IDR plan, but you may be able to lower your Monthly Payment if you qualify for a new XXXX partial financial hardship period. '' XXXX was certainly a payment that I was able to make, so I let my IDR expire only to see that my payment was indeed quite a great deal more than XXXX. Bad information from Navient. 

Furthermore, calling Navient to actually make my payments continues to be nothing short of farcical. First, I need to call either from XXXX which is unreliable, or from a landline in XXXX which is costly. Then, each time I speak to them, I have to go through the same song and dance about the phone number they have on file ... .I mean this most recent time must have been the XXXX or XXXX time I have been asked to verify if my phone number was still one from when I lived in XXXX XXXX which I have n't lived in for nearly a decade. 

What kind of nonsense is this? What is happening to the up to date information that I have repeatedly supplied them? Why is it that they can get away with such persistent incompetence, especially given the fact that this incompetence has more than once caused me financial stress and hardship? I also ca n't help but feel that Navient 's payment system discriminates against people who no longer live in the USA, making it nigh on impossible to simply make a payment.
I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX, Department of Education, Walmart and Discover 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
I have a mortgage which was sold to sls. It was previously with XXXX XXXX XXXX as part of the XXXX deal. I have never had an escrow account as part of or terms of my mortgage. A year after it was sold to sls I received a letter telling me I was behind in my tax payments. I was not behind in tax or insurance. I am XXXX and am part of a tax freeze and reduction plan by the city of XXXX. I called and let them know that and I had a representative from the city send them a letter letting them know I was in the plan in good standing and not behind. The City even sent them the money they sent to pay my tax back to them. This has gone back and forward on the phone since XXXX. I have been asked to pay lump sums and then way more than I can afford each month. Finally i was told in XXXX that my loan to value was over 80 % sitting at a whopping 81 % and this is the new reason I am in an escrow account. I can't afford the extra payments each month that vary never the same. I would like my mortgage put back the way it was previous to the transfer. I think that it is a shame that they use 1 % ltv as a reason to keep me in an escrow account where there were no deliquencies. I have never been deliquent on my mortgage.
XXXX   XXXX  has a hard inquiry on my Equifax credit report that needs to be immediately moved. The dates ar  e  XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX .       I also want to have  XXXX  's hard inquiry from    XX/XX/XXXX  removed.
Us Department of Education from  XX/XX/XXXX  needs to be removed   as well.
I pay all my bills on the first of the month, as I have for decades, which is why I never get late fees. A few months back I paid my bills on the first as usual, but there must have been a problem with the mail because CITI says I got the bill late and docked me a late fee of {$38.00} for a charge of {$15.00}. I called them up and they would not waive the fee after fifteen years of never making a late payment. There should be some wiggle room here because the United States Postal Service is not infallible. Also, the late fee should not exceed the amount owed.
I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.
I went to the official free credit report site and tried to get reports from the three agencies because of the recent major breach of security. 

I tried several times ( going through all the rigmarole of entering my information correctly each time, and the captcha at the end ) but when I went to the XXXX and Experian websites, they both said they were loading but ended up with a blank page after they were done loading. 

I do n't know if the site is overloaded, but this is extremely poor performance, and the contractor responsible for of the site should be penalized for this failure.
I received a letter from Southwest Credit with an attempt to collect on an alleged debt from XXXX XXXX XXXX, stating placement date of XX/XX/XXXX for the amount of {$330.00}, and stating Southwest Credit Reference Number : XXXX. I sent them a letter on XX/XX/XXXX requesting that they verify the alleged debt. The company did not and still has yet to verify this debt. They sent me a response back dated on XX/XX/XXXX with a billing statement from XXXX XXXX XXXX. They are threating to report this false, unverified information to the credit bureaus. Furthermore, the company they are trying to obtain the debt on behalf of ( XXXX XXXX XXXX ) has a social security number on file that does not belong to me.
I have an FHA Loan with XXXX XXXX, # XXXX. XXXX XXXX has reported that I have been more than 30 days late with agreed payment schedule. I have disputed this derogatory with XXXX XXXX as all of my records reflect payments current and on time. I addressed my concerns with documents showing the current/on time payments. The inaccuracy is on behalf of XXXX XXXX applying the payments " at will '' in their receiving account division, therefore reflecting negative on my credit profiles and straining my overall credit scores. XXXX XXXX has refused to investigate this matter further or review my account properly regardless of my payment documents proof.
I had a XXXX balance on my Chase Freedom visa card. I inadvertantly made a {$1000.00} payment to my Chase card rather than my credit union card. A couple of days later when reviewing my online bill-payer, I realized what I had mistakenly done and called Chase. My balance was a {$1000.00} credit, so on XX/XX/2018, I called a customer service rep and explained the situation. They said that a refund check would be issued and I would receive it in 7 to 10 days. I did not receive a check. I called back and they said they would reissue the check. I still never recieved a check. Chase and I repeated this song and dance routine 5 times. Last week the representative said to call back today, Tuesday, XX/XX/2018, and if check still did not arrive, they would reissue another check or recredit the {$1000.00} to the card within 3 to 5 days and I could use the card until the {$1000.00} is spent down. So, of course, check did not arrive, so I called to customer representative supervisor XXXX XXXX. ( only identification he would give me ). I asked for the amount to be re-credited to the card. He said he couldn't do that, he could only issue another check. I said no, you never send checks. I want my card recredited like the rep told me last week. he said no. I said I will go down to the local branch of Chase and they can issue me a cashiers check. He said they can't do that. I asked to give me a tracking # when they mail the check. He said they can't do that. So here I sit with the promise from Chase that my overpayment check will really be mailed this time and should arrive around XX/XX/XXXX. That will be about 70 days since I first contacted them and 7 to 8 phone calls promising to send me my refund check.
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Monthly Payment : {$170.00} Date Opened : XX/XX/2017 Balance : {$2700.00}
We requested to Green Tree Servicing to terminate PMI on our mortgage on XXXX XXXX because we have paid over 70 % out of the principle and PMI should be terminated immediately. The customer service told us that we have to do appraisal and we have to responsible cost of that to process any further on PMI request. As we do research the PMI should be automatically terminated after you paid over 22 % of the principle. Green Tree Servicing is trying to keep us paying on PMI which is technically illegal and they refuse on the process if we do n't do and pay for the appraisal first.
On XX/XX/2018, I had an issue with my tire and needed to obtain proof of additional products purchased ( Road Hazard ) to get assistance in the current city I live in ( XXXX, FL ). Due to me not having the documents needed, I tried to contact XXXX FL XXXX and my calls was never returned and when I got through to Sales I was denied assistance. 

I then reached out to corporate and made a complaint ( XXXX # XXXX ) and requested to cancel my XXXX XXXX extended warranty and additional products purchased through the dealership ( GAP and Road Hazard ). XXXX XXXX promptly processed my request to cancel my extended warranty ( Case # XXXX ) but I am still having issues cancelling my GAP and Road Hazard because the XXXX FL dealership is giving me the " run around '' to process the request. 

Due to the numerous issues I am having with XXXX and being tied to a vehicle loan, I only wish to pay my car loan and obtain other business needed with another company ( GAP/ Road Hazard ). 

On XX/XX/2018, I spoke with a specialist at XXXX  named " XXXX '' and left a voicemail explaining the issues with this dealership but I do not know what else to do. I will not and find it ridiculous that I drive or complete the process through mail with the dealership. I have done ever other request via phone/ electronic and I wish to proceed that way.
I was notified by XXXX XXXX XXXX that I had a student loan administered through XXXX XXXX ( XXXX XXXX XXXX XXXX ) This loan was serviced through AES which holds my federal loans. This was false as I never had a private loan, I only have federal loans. 

I contacted AES to ask for disbursement, debt verification and any other information in regards to this loan. I contacted XXXX XXXX XXXX XXXX to see if they have a record of my loan. 

XX/XX/XXXX, I filed an inquiry with XXXX and received a letter from XXXX XXXX stating that they will delete the listing from my credit profile due to fraud. It was deleted, however, the XXXX listing was on my credit file. 

XX/XX/XXXX I noticed that the XXXX XXXX XXXX  was on my credit report and I contacted them to ask for check disbursement, promissory note and a fraud packet. As I feel that it is a conflict of interest for AES to hold my federal loans and a fraudulent loan. They already have my signature on file and all of my information. 

I have not received a check disbursement. I did receive what appears to be a fraudulent student promissory note with crossed out information, jobs that I never worked at. 

I also filed a police report as well. I see that there is a class action suite settlement, how do I have my case considered
This debt needs to be removed immediately. I was told via phone by the original company I was not liable anymore for this as it was paid for. Please remove this from my credit report.
I RECEIVED A CALL YESTERDAY FROM A RANDOM COLLECTION AGENCY WHOM LEFT A MESSAGE ON MY VOICEMAIL. WHEN I RETURNED THE CALL THEY ASKED FOR MY PHONE NUMBER AND NAME AND THEN STATED THEY HAD DIALED MY NUMBER BY MISTAKE. ON XXXX IT STATES THEY ARE HIGH RISK FOR SCAM AND OR FRAUD.
I was locked up on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
I sent a wire transfer on XX/XX/XXXX from my bank to : CoinbaseCoinbase, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX Fl XXXX XXXX, NY XXXX XXXX. 

After sending the transfer, I noticed that it said to send with personal name and not a business name. The bank was not sure if they sent it with my personal name or business name but finally decided that they sent it using my personal name, which should of been correct. I sent an email to Coinbase to clarify the issue and make sure that if it was sent in my name that it shouldnt be a problem to deposit into my account. If it was in my business name, to just cancel and send back to my bank. I received an email finally on XX/XX/XXXX with a case number and the standard they are working on it. The case number is # XXXX. I responded letting them know to please cancel the transfer and just send back to my bank. I have not heard back from them in 2 weeks. I just want the transfer canceled on their end and sent back to my bank.
SOMEONE tried to open a credit card at XXXX XXXXXXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Navient had added late fees to my account, dating back, supposedly, from XXXX. Each month a bill was sent, there were no fees and I paid what my bill stated. I paid on time, and then suddenly I had late fees on my account. I looked back over my entire payment history, and a late fee from XXXX had been paid, but somehow was assessed. There had been no other late fees after that. I raised my concern with a customer service rep, and when she said she could not help, I asked to speak with a supervisor. The supervisor never picked up my call, and instead left the customer service rep to deal with my complaint. I asked multiple times to speak with a supervisor, and after each request she went to try and reach her supervisor. The supervisor never took my call.
Due to the recent XXXX data breach I want to freeze my credit. I was able to do this easily with XXXX and XXXX, but Experian has made it impossible to freeze my credit in a timely manner to protect myself. Ive tried their online system multiple times as well as their customer service lines and each time I face multiple crashes and a final message that they are unable to process the freeze so I should mail in a large number of sensitive documents. No option to communicate or alternative process was offered. They also charged me {$10.00} on each attempt even though they did not provide any useful service.
This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.
In XX/XX/XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ).
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
I have been experiencing financial hardship since XXXX of 2013 due to the process know as " sequestration '' I work in XXXX and have yet to recoup losses of personal income due to this political action by the US Congress. I have remained one month behind in my mortgage payments since that time. Now, I am receiving unwanted debt collection calls from a mortgage loan servicer at my XXXX office telephone. This mortgage servicing company ( Ocwen Loan Servicing ) took over my mortgage in 2013 as a result of a bankruptcy filing from GMAC. The company has been told not to call me at my office but the calls appear to be robo-calls. In addition, this company has imposed high cost fees and penalties onto my note in an effort to overwhelm and out distance any ability for me to rectify my loan payments and make them current in order to release my " default ''. I feel this is unscrupulous behavior on the part of this company. I want to bring my note up to date but because of this servicer 's automatic fees and penalties, I am in a deep trench. I need assistance to find and secure another lender to offer me a chance to refinance a new BETTER mortgage ; even if it is at a higher interest rate. I hold more than 60 % valued equity in my home, I am in the 16th year of a 30 year mortgage and was NEVER LATE for 14 years of payments under GMAC. I need to be out from under this company 's indifference so as to pressure the homeowner for profit along with my horror and anxiety over the possibility that I might lose of my home. Trying to negotiate with Ocwen has been a nightmare, they are not a lender and they do n't remember the request for assistance from one month to the next month.
Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.