WillisBack/dataset-financial-user-claim huggingface dataset:
The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX
I had made a payment ofXX/XX/XXXX with it being a Saturday on Pennymacs website. The Pennymac had my credit unions information listed. On XX/XX/XXXX which is a Tuesday I had this emailed sent to my PennyMac confirming that my payment was processed and approved. From : **Automated Message** When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX Dear XXXX XXXX , We have successfully processed the Payment transaction scheduled for XX/XX/XXXX, for the amount of {$1000.00}. Sincerely, The PennyMac Team On Friday the XXXX I had started to wonder why the money was n't taken out of my bank. I had tried emailing and calling the company. When I had called the company the automated phone line had said that my payment was received and processed. I could n't even get a live person if I tried to. Today Monday XX/XX/XXXX I hear back from a representative saying my Subject : Payment From : PennyMac Loan Specialist When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX XXXX XXXX, Yes, we received the payment you made on XX/XX/XXXX and it was returned by your bank unpaid as " Account Closed '' on XX/XX/XXXX. Your account is still do for the XX/XX/XXXX payment. Thank you for allowing me the opportunity to be of service. XXXX I am confused on how a payment can be processed on XX/XX/XXXX with a confirmation and than today I am now first learning that it was sent back by my credit union. When I had contacted my credit union today they had told me that I have a active account also I ended up using my bill pay to send off the payment. I am now getting a late fee for a payment that I was n't made aware that was even late. I honestly do n't believe they would even told me anything. I also just received a notice saying my escrow is in the negative when I had enough money to make the insurance and tax payment. I just feel this company is out to get consumers. I am not the first and wo n't be the last to have this company investigated. I just want to make others aware of this company. This is the 2nd time I have used the site to make a payment and this happens. I can promise I will never use the site again and always use my credit union. Once I find a different lender I will be gladly switch over.
I pay rent every month for my off-campus college house, collecting rent from my XXXX other roommates. At the end of every month, I deposit {$2800.00}, collected from my roommates, into my checking account to pay rent. In XX/XX/XXXX, my roommate was late on his payment so I transferred {$530.00} into my checking account to cover his portion of rent. When he paid me in cash a few days later, I deposited the money into my checking or savings account at a PNC branch location. When I went to pay rent a month later, I noticed that the {$530.00} deposit made in XX/XX/XXXX was missing from my account. I opened a dispute with PNC and their department said they could n't find anything. I asked if they could do anything further and they said without a deposit receipt, there was nothing else that could be done. I proceeded to ask, " If I handed a teller {$530.00} in cash and did n't receive a deposit receipt, then that teller could essentially walk away with {$530.00} and I ca n't do anything about it? '' Their answer was " Yes, that is correct. '' I found this to be very upsetting because, as a college student, {$530.00} is a lot of money. Their only solution was to find the deposit receipt, which I did n't have.
I purchased my home almost two years ago now. My payment amount has fluctuated due to escrow changes, but in XXXX, my escrow amount increased by almost {$200.00} more per month than it has been in the past ( prior monthly payment amount was {$700.00} and in XXXX it was {$890.00} ). My actual taxes owed for the year is a total of {$1200.00} and homeowners insurance is {$680.00}, for a total for the year of {$1900.00}. The mortgage company is charging me {$3700.00} for the year ( based on the {$300.00} per month shown on my statements ), which is more than the 1/6th total allowed by section 6 of the RESPA. 
In contacting the mortgage company, I was told they had made a mistake in estimating my property value, and that as long as I sent in copies of my property tax statements, they would fix it immediately. These statements have now been sent in multiple times by myself via email, fax and now certified letter, and by the township treasurer where I reside. I have also called almost half of every business day in both XXXX and XXXX, and answered calls from their collections department when they have called me. The individuals in the collections department have either mimicked me when I have answered ( I always answer with " hello? '' and one individual has just repeated me without saying anything else ), or they just sit in silence instead of responding. It has now been 4 months and my account still has not been corrected.
I was a student of XXXX College of XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was recruited they told me I can apply even if I didn't not have my XXXX XXXX Diploma  or XXXX. I told the recruiter I felt uncomfortable but he assured me that the have a program in which I can work on getting it, as I got my XXXX  diploma. I agreed and started my new life. A few months go by and I ask about my GED classes, I was told they didn't have XXXX classes and there was an investigation into my recruiter. The next week 10 to 15 people had to take the XXXX test with out any prep, or knowledge. I passed but soon quit as I felt the collage was not right and my diploma would be worthless. I had to pay XXXX down and XXXX in loans, also used XXXX in Grants in which I have unused funds left over. I was unable to transfer, or get any info about what I should do. I did not have the internet back then and was unaware of my options. I was told I could spend another XXXX and try again. This has cost me credit scores, interest paid, tax returns being taken from me and my kids. I paid the loans off in XX/XX/XXXX. If you know of how I go about seeing if I could recoup my money in loans, and reset my grants. My number is XXXX.
The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX XXXX XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a teacher with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX XXXX and XXXX XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and first marble head.
I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I con taced Lexis Nexis,     XXXX   XXXX   XXXX   XXXX   they just said it was verified w  ith Lexis Nexis. I wrote Lexis Nexis and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.
The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. Lexis Nexis, which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, could easily be considered false information on my cr  edit report.
An attorney for a creditor placed a restraint on my bank account. The Bank of America sent me an exemption form to fill out which is required under NY State law. The only money in the account was direct deposited Social Security benefits. I filled out the form to say the only income in the account was exempt. The Bank continued to restrain the account. I contacted an attorney. She contacted the creditor 's attorney to inform him the income was exempt and he sent a notice to the Bank to release the account. The bank released the account, but retained a {$120.00} processing fee. Under New York State law, the Bank is not entitled to the processing fee if the account should not have been restrained. Because the bank knew the only money in the account was direct deposited social security benefits, the account should not have been restrained. The bank has no responded to my attorney 's requests to refund me the {$120.00} processing fee.
Suntrust has made 4 hard credit inquiries on me and they show up on my credit report, resulting in a significant negative impact on my score. The hard inquiries occurred in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not authorize any credit inquiries either in writing or verbally except for the HELOC reapplication in XXXX XXXX. Suntrust is refusing to provide proof of my authorization and is refusing the remove these 3 unauthorized hard inquiries from my credit report. In fact, they refusing to even document that will not remove and not provide proof. This has been going on for several months now, and I am getting stonewalled from branch, region and central customer service contacts.
I applied American Express Platinuim Card on XXXX, through the XXXX welcome bonus after XXXX spending for the first three months. After spending about {$1300.00} on XXXX and {$1700.00} on XXXX, I got my welcome bonus on XXXX. But on XXXX they did a point adjustment, taking this welcome bonus off. I contacted their agent, they firstly said that I am not eligible for this targeted offer. After I showed that the link I clicked, they change the reason to that some of my spending was not eligible. I then asked them which one, they can not point out, just replying that this is their Rewards Dept. decision.
by XXXX of XXXX the home depot credit card by citybank group take frm my XXXX checqing account the amount of XXXX when the real amount was XXXX the stated a investigation nd the resolution was refound my money by XXXX XXXX i called asking what happend and they post the money in another account, by XXXX XXXX a called again and the post the money in anotheracount today i call again and they say the money for thirt time will be post in my account please help me
During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. 
On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. 
On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. 
The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account.
This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
I had been making payments to XXXX XXXX on a XXXX procedure that I was supposed to have completed in 2015 -- they had agreed on a certain amount after billing my insurance. There was a problem w/the XXXX XXXX and XXXX that was to be put into my XXXX, the temporary kept falling out and I never had the final XXXX built or placed into my XXXX because there was a transition in the team and they were n't sure what happened. Someone sent my information to PlusFour Inc., who then placed a debt collection on my account in the amount of {$1900.00}. I reached out to let them know this was inaccurate as I was making payments directly to the XXXX office and that even if they had sent it, it was in the wrong amount because I had already made several payments towards the total. I informed XXXX XXXX and they provided me a phone number -- I have reached out and have not been given a solid answer as to removing and stopping the negative report or any explanation from Plus Four.  Since then I have gone into XXXX XXXX and had to have the XXXX XXXX removed from my XXXX as it became XXXX as they were never able to put in the XXXX I was charged for services never rendered, some partially to my private XXXX  insurance. This has been ongoing since 2015 -- I have, to this date, no XXXX.
American Express has been trying to collect a fraudulent debt for several years now for an account that was opened while I was a minor. I have since tried to dispute this account with them, however, they will not give me any information because I do not know the date of birth or social security number associated with this account. They had stopped sending me letters after I disputed the information with the credit bureaus. However, they sent me a new letter dated XX/XX/2018 stating that they transferred the account for collection. The problem is that this is not my account. It was fraudulently opened while I was a minor, and I can not access the account because I do not know the information used to open the account. The only information I have access to is what comes on the collection letters. this is the last five numbers of the account and balance due.
My Student Loan Lender " Navient '' has been not helpful with my several requests to lower my payments or settle on my debt. I have been going through financial hardships after my mother passed away, dealing with house payments, mortgage, helping the family etc and I really am unable to pay more than {$200.00} a month for my student loans. Navient has been unwilling to work with me to resolve this issue. My rate is very high as well and I am accumulating %. Please help
Mortgage was collected 2 days early, on XXXX instead of my due date of XXXX resulting in two payments in XXXX. We are scheduled for mortgage auto drafts the first of the month, NOT the last day of the month. Its my understanding this isnt allowed. They cant change my contract at will?!
I have send Transunion several letters and filed several complaints disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX. 2. XXXX. 3. XXXX  XXXX 4. XXXX. XXXX. XXXXIn which transunion have ignored my letters. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is under my social security number.
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit  agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
I have a car loan with Navy Federal and honestly forgot to reach out to the bank after my loan was approved. Navy Federal advised me that I stated that I would go to the branch to pick up the loan after listening to the calls. 
Navy Federal let the loan sit at the bank for over 3 weeks and did not contact me about the loan. They stated that it is not their policy to reach out to consumers on their loans. It seems a very bad business practice to just not contact a consumer about a loan. Life happens and sometimes a consumer can forget. 
I am very upset that the blame is all on me and that Navy Federal considers this a normal business practice.