WillisBack/dataset-financial-user-claim huggingface dataset:
My home mortgage was sold without warning by my local bank ( XXXX ), to a national mortgage loan service company, Bayview Loan Servicing LLC in XX/XX/2016. XX/XX/2016 I received notice from the XXXX XXXX 's office indicating that the taxes on my property had not been paid. My mortgage is calculated to include escrow for property taxes and home insurance. After numerous telephone calls, emails and postal mail, I have not gotten a response from Bayview and the taxes remain unpaid. It is the worst customer service I have ever experienced from any company in my lifetime. Each time I call, I get a different person who only gives their first name, and can not sufficiently answer any questions, nor even provide a supervisor 's name to answer any questions or achieve any resolution. I have received no response to my email or postal mail, both of which provided verification documentation of the unpaid taxes and the specific property parcels in question. It is unfair to pay a mortgage that is supposed to include enough to cover the property tax and insurance, only to have taxes go unpaid and accrue late fees. I feel that I must somehow find the money to pay the property taxes until this is resolved and then likely fight a new battle again to get the money back or have it deducted from future mortgage payments. I am current on my mortgage payments and have not been late. XXXX weeks ago I received an escrow analysis statement indicating that I needed to pay {$340.00} in order to account for a shortage. I mailed in a check for that amount on XX/XX/2016 and I have not received any acknowledgement of that payment. I believe this company is customer-unfriendly and unresponsive to questions or concerns. There is no acknowledgement email return, no call back and no response to postal mail.
I had previously been making payments to clear a former debt to this collection agency and recently I asked them not to submit a payment for the month of XXXX and to cancel any future payments. The representative agreed and still ran the payment through causing my bank account to go into a negative status and incur SF fees. My payroll check was just enough for my bills not including the {$65.00} so when this payment hit, it caused my other payments to bounce. Although the bank paid them, I was still charged {$68.00} in returned check fees. Someone at this company by the name of XXXX XXXX stated they would issue a refund of both the {$65.00} and the {$68.00} in fees if I faxed over my back statement which I did. The {$65.00} was refunded but not the {$68.00} for the fees. When I called on XXXX/XXXX/2015 around XXXX XXXX I was told by a gentleman that he was the only one in the office but when I asked for XXXX XXXX, this person swore he did not know who XXXX XXXX was and it was actually him I was speaking with. I just want my money put back into my account and not to be given the run around.
I owe XXXX plus interest that has accrued making my total debt close to XXXX dollars. I have applied for reduced payments but they say i dont qualify and my min payment needs to be XXXX   monthly. I am XXXX years olf and make less than XXXX. I feel that i am paining on interest that has been compounded over the years and with my wife being ill i cant afford these payments. I did the repayment by income deal and my payment could be XXXX dollars a month. I would file for bankruptsy but it wont help. Its truly robbery.
Capital one is blocking XXXX and XXXX app ( which I pay monthly for ) from pulling money from my accounts in an effort to save and pay off debt
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. 
Please help me resolve this problem. 
XX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. 
I did so for two reasons :.

1. I am in need of vehicle to drive XXXX. 
2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. 
I am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. 
Additionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. 
I will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. 
Your answer states " We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. 
Regards XXXX XXXX
OnXX/XX/XXXX XXXX XXXX delivered a pay-off of personal line of credit. This has not been cashed by receiving bank yet. We have contacted numerous people and have been given conflicting statements. Where is the pay-off check that has been delivered? XXXX provided a confirmation that the check had been delivered ( on-line banking ). Sent to address on the statement.
XXXX  is blocking me from enabling external applications in order to keep track of my account as I choose. I was able to do so in the past. This is a new development. 

After contacting XXXX they still refuse to allow this request for access. 

I understand I have the right to access my financial data.
The credit agencies all removed the majority of the fraudulent inquiries and accounts. I placed a freeze on my credit report, filed a report with the FTC, filed disputes and most things were removed with the exception of these last few inquiries, which are dropping my credit rating.
Tried to change password on my PNC Mortgage Account. Received email saying psw was changed. Tried to access account using new password - got " SYSTEM ERROR '' message. Tired to contact PNC Mortgage using the following number : Please contact our Customer Service & Support if you need further assistance. Call Center XXXX === Called the above number and all I heard were solicitations for medical devices and XXXX offers ... Tried to " XXXX '' out, but nothing worked. I have had my mortgage with PNC for over 6 years. This is terrible customer service! This should not be allowed! 
=== Tried to reset PSW and received email PSW was changed. Tried to logon with it. Got the same error : " SYSTEM ERROR '' I understand security is important but I spent over 45 minutes trying to access my account!!! I feel PNC should compensate me for my time! 

I will be finding a new bank for my mortgage. Terrible customer service!
Last year while searching for an apartment in XXXX XXXX, it came to my attention that on my credit report TransUnion XXXX XXXX XXXX had XXXX evictions on my report. After contacting Transunion, they told me that I needed to contact XXXX XXXX XXXX XXXX XXXX XXXX. Which I did. After speaking with a gentleman named XXXX, I learned that my name was included in eviction paperwork that was filed, and then was withdrawn. During that time, my mother and her previous landlord settled an issue in civil court. This also showed up on my credit report as an eviction. My attorney told me that the information should not have been on my credit report, nor should it have shown up as XXXX evictions. He also stated that because it was a civil matter, that the credit company should n't have had access to the information. 

I sent the credit bureau several documents which included copies of the release of the case and the withdrawal which included the landlords signature. After submitting my documents and waiting for their response TranUnion, sent me this response : " The eviction filings and judgments information included in the report provided to XXXX XXXX XXXX on XXXX/XXXX/2016 was derived from public records from the Housing Session Court. Based upon our investigation we have confirmed that this information is accurate as a dismissal. " I asked the Transunion to remove the evictions on my report last year in a letter stating that they were not evictions. It is now a year later and I am seeking to rent another apartment in XXXX XXXX and these same evictions are coming up on my record and preventing me from moving forward with my search. 

This morning I called TranUnion and they told me they were indeed dismissals and would open another dispute claim to find out why there not removed last year. My lease is up in less than a month and I need to move. I am seeking your assistance in this matter, because alone I have not been able to get my credit report amended.
Reference closed Consumer complaint file # XXXX Ocwen loan Servicing Property address : XXXX, GA XXXX Account # XXXX Ocwen continues to report that my account has been charged off and closed after they had investigated and confirmed to your agency that this is incorrect per closed complaint # XXXX. 
I recently checked and all credit bureaus have received information between XX/XX/XXXX that my account has been closed, charged off, hence my credit score decreased by over 100 points. 

Ocwen continues to report this incorrect statement every couple of years although i have never been late and my account is current. I need Ocwen to remedy this situation and place a permanent ban on reporting incorrect information as this is adversely affecting my ability to obtain credit. 
I truly believe Ocwen is trying to intimidate me in paying off this loan or to foreclose as they lied previously that the account was a balloon loan. 
Please investigate and advise.
I recall I had no lates on this account and now I am seeing 2 thirty day lates.
I contacted TransUnion by phone in XX/XX/XXXX in regards to inquiries that were deleted due to a computer glitch that TransUnion experienced back between XX/XX/XXXX and XX/XX/XXXX. Several inquiries were deleted but added back and I was not given 5 days notice. I contacted TransUnion in good faith and spoke to a Special US handling agent and the agent stated he would removed the inquiries. Only a few of those from that time was removed. These inquiries are a hardship and my rights have been violated by TransUnion, one again. Please help me resolve this issue. I 'm asking that these inquiries be permanently deleted from my report as TransUnion was in violation when they added them back without proper notification. Listed below are the inquiries from that glitch that has still not been removed. 

XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Transfinancial Companies placed collection accounts on my credit reports claiming that I owed the company. I disputed this information and asked for validation of this debt and none was provided to me in any form. The company proceeded to remove it from my XXXX report but left it on the other credit reports. I would like for them to remove this invalid information from all credit bureaus.
XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX UPSTART XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX I contacted the credit bureaus, and they refused to help me dispute these items over the phone. Their customer service would not help and take care of the negative inquiries reporting to my credit report. They told me they ca n't do anything about it.
Left vm in parents can that they were charging me with XXXX counts of fraud the phone number that showed up on caller id was XXXX county clerk of courts but number on cm call to resolveissue and not be charged was to call XXXX XXXX XXXX, then when I called them it went directly to there be no company name or employee name they returned call next day from now a Georgia phone number to call the same XXXX number when I called he was rude and his vm stated they would file for willful evasion. When I asked why they did n't send me written letter he stated he was not a collection agency so they did n't have to that he was a law office and when I asked company name he told me XXXX XXXX. He said I had balance on a pay day loan of {$350.00} but would settle today for {$200.00}.
I was disabled from purchasing on coinbase and my access to XXXX trading page was disabled and I should contact support. 

I contacted support on XXXX XXXX, got my case filed under XXXX ID : XXXX but nothing happens. 
I 'm afraid that this is just another fraud operation as I have around XXXX $ and I can not get to them or move them to any other wallet.
The XXXX mistakenly filed a tax lien against me. I contacted them and they sent me a letter to mail to XXXX, Equifax and XXXX telling the credit bureaus to delete any reference to the tax lien. I sent them the letters explaining that the lien was placed in error. 
Equifax refuses to remove the lien entry from my credit report.
IQ Data XXXX - XXXX XXXX received bill for carpet cleaning from apartment. When asked to do a walk through I was refused. And told I would not owe anything if I did they would send a final bill. They never mailed me a bill. She claimed she sent me an email, but could not produce a copy of the email. When I asked the collection agency what the collection was for they could not provide me a bill summary and the collection agency then knocked my credit score from above XXXX to XXXX. I would have paid any bill I owed, but did not deserve to have my credit destroyed. When they contacted me in XXXX I simply asked them for why i was being charged so much they never produced a bill.
Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point.
Every time that I make large payments to my student loan account, the lender applies the excess to " future interest payment '', thus pre-paying interest rate for future months instead of applying any excess payment to my principal. Even when I make XXXX large payments in consecutive months, the lender applies any excess to " future interest payment ''. They are really hurting me because I make such large payments to quickly payoff my outstanding principal to find out years later of such unethical practice.
XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XXXX LATE REPORTING IS ON XXXX XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
I bought a painting for {$150.00} from XXXX on the internet using my Chase Visa card. Shipping was supposed to be included in the purchase price but, after the purchase, the company wanted to charge me another {$150.00} to ship the painting to me. I tried to put the {$150.00} into dispute on my visa card but Chase Visa ruled in favor of the merchant and told me it was a dispute with the merchant and to contact the merchant directly to resolve it. I contacted the merchant once more. They said they no longer had the painting - it had been resold. I contacted Visa once more to explain that this was now a fraudulent charge on my card. Chase Visa refused to accept this as a fraud and continued to claim it was a dispute with the merchant. As a result I am {$150.00} out of pocket and I have a problem with the goods - I never received them.
I have/had a loan with Caliber Home Loans. Earlier this year, I want to say XXXX, I pursued with the help the the state of Massachusetts Attorney General 's office a modification which was finalized and signed. I send my payments to XXXX each month via tracked mail and have been doing so for over a year. Caliber received my check on XX/XX/XXXX and did not cash it like they normally do. I called and asked about it on XX/XX/XXXX and was told that my servicing would now be handled by XXXX XXXX, that they had sold my loan. This was 19 days ago, and I still have not received paperwork from either servicer regarding my mortgage loan. It is my understanding that I should have gotten paperwork of some sort at least 15 days before my payment was due, which is the XXXX. I have no address to send it to, no new loan number which is necessary since nobody seems to want to send statements. I have already had to fight foreclosure threats from Caliber and had to call in the Attorney General in order to do so because they kept finding reasons to bounce modification requests.
My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit.
I pulled up my credit reports this morning on XX/XX/2018 and it shows that a credit card XXXX XXXX AS MARKED AS CLOSED and I never requested it to be closed nor my bank did and I called XXXX XXXX AND THEY TOLD ME THEY NEVER REPORTED THIS ACCOUNT AS CLOSED AND I CURRENTLY HAVE THIS CREDIT CARD IN MY WALLET ACTIVE AND IT WAS NEVER STOLEN AND THEY REFUSED TO UPDATE MY ACCOUNT AND MY SCORE IS DROPPING
I bought a vehicle from Herbies auto in XXXX Colorado back in XXXX of XXXX and had to return it in XXXX of XXXX do to financial problems I later learned that they have been sued for hidden finance fees and I 'm having my wages garnished this was the XXXX vehicle that I had purchased from them and have recommended people to them I really do n't think that the should be able to garnish my wages if they have been sued in the time frame of which I purchased my vehicle from them please if you can help me that would be greatly appreciated