WillisBack/dataset-financial-user-claim huggingface dataset:
I have been spending countless hours making phone calls and writing to Transunion credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
DITECH Financial LLC, mortgage servicer of my XXXX loan, is in noncompliance with Recasting my loan that I qualify for after meeting all six year requirements ( per directive of Dodd-Frank HAMP {$10000.00} principle reduction incentive ). Since XX/XX/2016, DITECH has delayed implementation of my Recast. I have filed nearly a dozen complaints with DITECH as well as with XXXX and my US House of Representatives -- The Honorable XXXX office. Please help in getting DITECH to comply.
I currently have a {$100000.00} HELOC account with PNC Bank. As of XX/XX/XXXX, my balance owed was {$83000.00}. I made {$55000.00} in payments spread across a few payment dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PNC, during a computer system update, appears to have lost all of those payments. They do show them as being made, but then they reverse them a few times so I end up owing {$83000.00} as of XX/XX/XXXX and throughout the entire month of XX/XX/XXXX.

So the issues I have with PNC Bank are : 1 ) They posted, but then reversed, {$55000.00} of my payments made over the last month. Therefore, they have " lost '' over $ 55k of my money. This is a concern.

2 ) The XX/XX/XXXX statement that they sent me indicates that in addition to the above incorrectly-lost principle that they say I still owe, I also owe the following : {$470.00} past due from my XX/XX/XXXXstatement ( a payment I obviously already made ) which included both interest and principal amounts, a {$50.00} late fee for not paying last month, {$500.00} for my XX/XX/XXXX statement. The XX/XX/XXXXstatement of {$500.00} includes 30 days of interest on {$83000.00} ( plus 3 additional days of interest at a slightly higher amount ) which is {$240.00}. This is significant over-billing for XX/XX/XXXX's interest, approximately 3 times higher than it should be, because they never lowered the principal balance remaining on my account after my {$55000.00} in payments.

3 ) I contacted PNC approximately 4-5 times over the past month to try to fix these issues. I was told the issue was known and it would be fixed quickly. Once I received my statement on Monday, XX/XX/XXXX, I called to have my account reviewed. My account was not reviewed. I was told that the statement can not be fixed or updated until maybe next month and I owed what it said I owed, even though the PNC representative agreed that my principal should have been lower during the statement.

4 ) None of the PNC representatives, including the Escalation Team representative XXXX XXXX, was able to tell me how much I should actually pay by the XX/XX/XXXX due date other than asking me to overpay based on the incorrect statement. None were able to properly calculate a true amount owed. They asked me questions such as, " What is the interest start date on the statement you have? ". Well, why would you need to ask me that, isn't it in your records? And, your monthly statement does not actually list that date, don't you know that? ( I will attach the statement in question to this complaint. )
I had a Barclay card, but for some reason they had me as i had 2 Barclay cards. When I realized I was paying along ( always on time ), and not knowing there were 2 cards which I did n't apply for, I tried many times to contact them and no one would get back to me nor they were reachable. They went ahead and reported me on the credit bureaus as both being late ( adding astronomical unknown charges ) and now they have ruined my credit ... ..they are not cooperative at all, and I need them to remove such negative items from my credit reports!
My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.
The company was submitted proof of my XXXX prior to filing this debt in court. I am no longer liable for this 22year old account yet the company continues aggressive collections attempts through court ad credit reporting agencies
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
The annual fee of the AMEX Gold card keeps increasing XXXX $ year-by-year. Although I know it is a choice and, supposedly, we get informed for any increase, this is outrageous. So you end up paying every year paying the fee, as if you cancel the card, you lose all the reward points that you have collected so far.
This account was closed and sent to a collection agency. Since then I have settled the account with XXXX XXXX XXXX and the original creditor is still showing up on my credit report with negative information. I've tried to reach out to the company to have this item removed and they said once they sold the debt to another lender that there is no way to access my account to delete the negative information. But whenever I dispute the information with the credit bureau 's the say the information is accurate and its not. I just want this account removed from my credit report for good.
I worked with a lender called XXXX XXXX, who later sold my mortgage to PennyMacUSA. At the time of loan origination, which was XXXX XXXX XXXX, the escrow balances on the account were XXXX for property taxes, XXXX for HomeOwner 's insurance, and XXXX for PMI. So the escrow amount per month is XXXX. The principal is XXXX and the interest is XXXX for a grand total of XXXX per month for a payment. Fast forward to XXXX, the Homeowner 's insurance went to XXXX per month. I received a bill for XXXX for the new monthly payment. When I contacted PennyMac USA, they claim that a the end of each year from the loan origination date, the escrow has a shortage. 

My take : If I am paying my mortgage every single month including the escrow amounts, then at the end of the year, my escrow should be paid off. This does not seem to be the case and therefore, I need this corrected. I was expecting a XXXX dollar increase per month which made sense to me since I am under the assumption that the escrow modification would have been XXXX which would necessitate the increase in the mortgage payment per month.
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
I called my finance company to ask about my due date and to ask about refinancing. They are literally holding me hostage and denying me access to information by asking me WAY too many questions, claiming they want to verify. I am outraged at this finance company because I can not get information on my loan unless I let them XXXX me with personal questions that have nothing to do with determining my identity.
Account thats open i do not owe. Its with XXXX for {$380.00} date is XX/XX/15 of said bill.
Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX XXXX XXXX.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you
American Express has been fraudulently charging a different charge to my account every other month. Each of these charges are from a different one of their ( American Express ' ) subsidiary companies. See attached. While they are eventually reversing the charge when I complain, I suspect that they are doing this as people may not notice the occasional charge and ask for it to be reversed. The reason that I notice it, is because I do n't use my card, and these are the only charges that are on the account. I want to cancel my card, but I cant as I am constantly having to reverse the latest charge. There is nobody else other than American Express themselves who are doing this, as fraudulent individuals would not be generating different subscriptions to magazines or services owned by American Express every other month.
XXXX  sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times
This is the second complaint Ive filed with this agency. My original complaint # XXXX was closed after one response from PHH Mortgage. The company explained that they had made an error by not posting my mortgage within the 24 hour period in which they received it. Since the date of PHH Mortgage response, a second mortgage payment was sent by me via the XXXX priority 2 day mail. I have the receipt showing PHH Mortgage received the payment on XX/XX/XXXX. Once again PHH failed to post this payment until XX/XX/XXXX.. I reiterate my original complaint that this is not an isolated incident with PHH Mortgage. I would like another explanation from PHH Mortgage. I am also asking that this agency leave this complaint open. Im having difficulty believing mine is an isolated occurrence with PHH Mortgage. It is also XX/XX/XXXX and I have yet to receive my interest statement from PHH Mortgage for tax purposes. It is my understanding that mortgage companies are required to send consumers the interest statement by XX/XX/XXXX of each year. I had the same problem with PHH in XX/XX/. I finally had to contact the company to request a copy of my interest statement. That of course caused an additional seven day delay to my being able to file yearly taxes. The same is occurring this year.PHH Mortgage fails greatly when it comes to legal requirements set forth by the state of Illinois and the government in general. Please contact me if copies of all my receipts are needed for verification of my complaints. If this agency is not able to help legally with these allegations I would like some direction as to my next step. PHH has yet to correct the dates of my mortgage payments on my credit report. PHH Mortgage does not allow a consumer to make a late mortgage payment via their website. PHH Mortgage does not allow a consumer to make a late mortgage payment via the phone. The consumer is at the disposal of PHH posting the payments as PHH Mortgage sees fit to do so.
I made an ATM withdrawal at a Bank of Hawaii ATM in XXXX, using my XXXX  XXXX XXXX card to withdraw {$400.00}. I put the card in and chose " FastCash '',  and then entered the amount and pressed enter on the keypad. But the machine only withdrew {$200.00}, charging a {$3.00} transaction fee. I agreed to a {$3.00} service fee for a withdrawal of {$400.00}, not {$200.00}. Thus I had to make an additional transaction to withdraw the remaining {$200.00}. If I had known I would be charged {$3.00} to withdraw {$200.00}, I would not have agreed to it. 

Here are the transaction details : BANK OF HAWAII ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI BANK OF HAWAII XX/XX/XXXX #  XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI
XXXX calls to phone number reassigned to us 6 months ago. Previous phone number owner named in complaint. Told agent he had wrong number and he agreed to remove us from further calls, but calls continue. Fed up with their calling.
I have an investigaton with CFPB involing XXXX XXXX XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disasters Equifax says they need more time to investigate this I feel Equifax should change XXXX XXXX XXXX to Current never Late on my Equifax credit report
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent account established with his information without his consent. His information was used to forge a check ( or several checks ) for a total of {$1000.00} dollars. A formal dispute of this account ( s ) was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has failed to reply with an outcome of the investigation of fraud ; which is a violation of the FCRA and my clients federal consumer rights.
In XXXX 2017 I asked for mortage assistance. I completed the paperwork with a home XXXX. They asked for several documents that were provided. They insisted on using the automobile declaration page as residence verification. I explained to them that the auto insurance was in my spouse 's name and we maintain XXXX separate residence. But they insisted on me submitting this as verification alone with a letter explaining the circumstances of address differences. Upon receiving this the modification was denied and an appeal was started. The rep. asked that I submit bank statements, any other documents that would prove residency and a letter explaining the difference in mailing address and permanent residence address. At this point the underwriter now had bank statements, utility bill ( current ), letter from the bank verifiying address, bill for carpet placed in the home and another letter detailing the concerns regarding residency. I also explained in the letter that during my year of unemployment I never asked for assistance but struggled to pay the mortage every month even using my entire savings and retirement funds. Again the modification was denied and the XXXX was supposed to contact me on XXXX after discussing this with his manager. I contacted the XXXX after not hearing from him by XXXX. He informed that this manager was out sick and he would speak wth her and contact me early today on XXXX as of XXXX I have not heard from the XXXX or received an email.I have again left him a message. The reason for the constant denial is because I have a different mailing address from my permanent address ; however XXXX years ago I received a modification and this was the same status at that time. I now feel that Wells Fargo is denying my modification unfairly since I have submitted everything requested. The rep keeps saying they need more paperwork but there is no specific paperwork being requested other than those that were already submitted.I have asked to speak with the underwriter or a supv over this dept but the rep has no information to provide regarding this.
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.
Transunion Credit Bureau is not updating my information in a timely manner I.E ... ..monthly This is a violation of the Fair Credit Reporting Act My current open accounts XXXX and XXXX are current through XX/XX/XXXX however the last activity Transunion is reporting on the accounts are from XX/XX/XXXX
I graduated from Tennessee XXXX University ( XXXX, TN ) with by XXXX degree in XXXX. I later graduated from the University of Louisiana at XXXX ( XXXX, LA ) in XXXX with my XXXX XXXX degree. XXXX these degrees were funded by student loans. I was able to consolidate a large portion on my federal student loans with no issues through XXXX. However, I have experienced extreme difficulties with repayment of my private student loans and bringing them current. These private student loans are serviced through Navient. These loans have doubled over the years as the interest rates range from 15.25 % to 9.25 %. These loans went into repayment status in XXXX of XXXX. At that time, I explained to Navient that I was unable to afford the {$1200.00} monthly payments that they were requesting and I paid what amounts I could each month. In XXXX of XXXX, Navient began reporting my private student loan account delinquent to my credit. I called numerous times in order to request a more affordable payment plan. Each time I was asked several questions about my finances, savings accounts, and retirement pension. These calls often ended with me being yelled at and even threatened with legal action. Finally, in XXXX of XXXX Navient sent a letter to a relative 's home stating their intention to seek legal action against me in order to collect money. On XXXX XXXX, XXXX, Navient finally agreed by phone to lower all of my private loans with them to a temporary 1 % interest rate and a monthly payment of {$420.00}. That amount was still out of reach of my budget however I agreed after being told that my accounts would be forwarded to an attorney for legal action the following day. I requested to receive the terms of this agreement and was told that I would not receive anything in writing until after 3 monthly payments have been satisfied. I called again to inquire about obtaining something in writing and was told similar information. A few weeks later, I received correspondence from Navient that contained a schedule of my automatic payments. I agreed to allow Navient to automatically deduct {$420.00} from my debit card on the XXXX of each month starting on XXXX XXXX, XXXX. However, Navient has continued to report my account delinquent to the credit bureaus. Furthermore, my payments have been applied to interest and fees only, making it impossible to lower the amount of the loan. I also continue to receive statements from Navient that show that I still owe {$1200.00} even after our payment arrangements have been made. In essence, I am paying the agreed upon $ XXXX monthly with a past due of {$1200.00}, essentially increasing the total loan amount.
XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX  XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX  Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) CXXXX XX/XX/XXXX 5 ) XXXX  XX/XX/XXXX 6 ) XXXX XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX, XXXX. XX/XX/XXXX 11 ) XXXXXXXX XXXX XXXX   XX/XX/XXXX Experian Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX  XX/XX/XXXX 6 )  XXXX XXXX  XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
I am late with my car payment. I called Credit Acceptance Friday XXXX XXXX, XXXX and made a payment arrangement for Friday XXXX XXXX, XXXX. I explained to the repersentative that I had just started woring full time and would get my first check on Friday and I could make the payment. Today I went to drop my daughter off and my car would not start. I called Credit Acceptance and asked if they disable the car and was told they did not. I called 3 times and each time the rep acknowledge that I had a payment arrangement for Friday and asked me if I wanted to make a payment then. I explained why was calling and each time I was told they did not disable the car. The last person I talked to I told her that I had someone to look at it and was assurred it was the realy switch. I was put on hold for about 5 mintues. When the rep returned she said she was trouble shooting but could n't get a response. I was told to have the car towed to the dealer and have them to look at it to see if it was defective. If it was n't I would have to pay for whatever was wrong with the car.
I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.
I was shocked when I reviewed my credit reportand found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, Ibelieve that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have paid off the collection LVNV FUNDING, LLC of {$50.00}, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
American Express sends me emails and offer letters offering a XXXX XXXX credit card. They do this several times a year. I decided to apply. I have a credit score of XXXX XXXX depending on which agency is reporting. I made over XXXX a year, own a home, have rental properties and a solid job of 10 years. 
They denied me instantly and when I called to find out what happened XXXX the emailed me a rejection letter ) I was routed to a call center in XXXX. I could barely understand the people I spoke with and no one could tell my why I would be declined. I asked to speak to someone in the USA. But when I did they told me I had to deal with the XXXX Call center. When I told the supervisor they were not able give me any explanation. I was told that there was no one else to speak with. I asked to be put in touch with American Express HQ here in the USA and was refused. I can not believe " American '' Express has no one in the USA that can deal with this type of treatment.