WillisBack/dataset-financial-user-claim huggingface dataset:
I had a  XXXX  mobile phone in  XXXX . Without a job and mounting debt, I filed Ch  XXXX  bankruptcy  XXXX   XXXX ,  XXXX . It was  discharged   XXXX   XXXX ,  XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In  XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In  XXXX , I sent copies of the Ch  XXXX  petition, copies of the discharge ( both available from  XXXX  ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT  be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that  XXXX  is not owed money due to the  XXXX .
Bank stole my money, there supervisor when ever it was time to replace she erase, knowing identity stolen, police report, false accusations, Went without XXXX, food, bills, Was given a XXXX dollars an supervisor took half back an refuse to give full amount, false accusations by this employee going on a month, threaten I had to go through her, her means of punishment, Knowing needed money to live. False accusations torture knowing need social security to live, there was know fraud, it was a way to tell XXXX XXXX XXXX woman, XXXX attack she will suffer which did, contract States any fraud money be return, fraud was issue by merchants an stolen card, supervisor blocked half payment when fraud acknowledge money should be given in 2 days, supervisor said another 11 days, Harassment by this supervisor putting life in danger, Police report acknowledge hacker, identy theft, an proof of hacker in there bank, XXXX attack, XXXX  financial abuse, card stolen, account broke into twice merchants tripple payments, an hacker tried to take XXXX dollars which was decline, They would rather label me a criminal, with no evidence, Supervisor have threaten me an employer I had to come back, if not she will keep the rest off food money an XXXX payments. It has been verified identy stolen, Supervisor of fraud unit continue to lie because off the false accusations, I return call she continue to take my money an make me wait for over a month, she continue to label a criminal, an erase supervisor who try to give me my money to survive,
I previously submitted this complaint and the number associated with that complaint is XXXX. I again ask for your assistance. 

On XX/XX/2017, I made an electronic payment through Wells Fargo to XXXX in the amount of {$500.00}. I have come to learn that this payment was made via bulk transfer from Wells Fargo to XXXX utilizing some XXXX XXXX agreement between Wells Fargo and XXXX. These facts I have learned during the numerous phone calls I have had with them since XX/XX/XXXX in an attempt to recover my money. 

I still do not have my money. Neither Wells or XXXX can find my money. I don't know who has it so there is really nothing more I can do. And, {$500.00} is ALOT of money to me, even though it is a miniscule percentage of the amount electronically sent daily from Wells to XXXX XXXX. Nevertheless, I am left without my money and no recourse. This is an area you could help protect consumers. Please read.
I had an outstanding loan of {$200.00} with this company. I was trying to get them on my debt counseling program XX/XX/XXXX. My debt counseling program contacted Cash Central with a proposal and I followed up a few days later with Cash Central. They claimed they never received the fax and took out {$120.00} as repayment for my loan. I kept at my debt counseling company and they told me that Cash Central was on board and I would be paying them {$25.00} a month. I set up the repayment date to be XX/XX/XXXX and shortly afterward, I received an e-mail from Cash Central stating that they would take out {$27.00} on this date. 


I asked my credit counselor if they were actually on board with the program because they were doing an automatic withdrawal on XX/XX/XXXX. She told me that it was up to them to void the ACH. I asked Cash Central to do that and they said that was not neccessary. In lieu of this, I told my credit counseling company not to take out the {$25.00} for XX/XX/XXXX since they were going to do it. 





On XX/XX/XXXX, I received an e-mail that my Cash Central Agreements were now void. Now to my understanding, my credit counseling program was going to make a payment to Cash Central out of this month 's payment. However when I checked my bank account yesterday, XX/XX/XXXX, I found out that I was overdrawn by {$65.00}. Cash Central tried taking out {$110.00} from my account without telling me. I am now in worse of a mess than I was before and I have two payments that are now rejected because of this and my credit rating will suffer. My bank is XXXX and the local office is in XXXX XXXX, NV.
I received a loan in the amount of {$1000.00} and have already repaid {$1000.00} to date and the amount to pay the loan in full is currently over {$1100.00}. I am no longer able to repay these loans and per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid.
On several occasions I have submitted certified letters to company Mariner Finance regarding incorrect information on my credit file. I called and spoke with a representative in XXXX and ask that they provide me with proof that this debt in question belongs to me. Representative stated original company went out of business and filed were lost in the process of being reassigned. I followed up by contacting the corporate office regarding this error and The company has failed to respond and provide proof ( signed contracts ) of said debt. This is incorrect info does NOT belong to me and is ruining my life!
This statement is a follow-up to CFPB Case Number : XXXX. PennyMac Loan Services , LLC is committing fraud by not reporting or writing my direct advanced payments in the Annual Escrow Account Disclosure Statement ( Dated XXXX/XXXX/XXXX ) provided to me by PennyMac. I have neither missed nor late in payments on my VA Loan mortgage since I bought my home XX/XX/XXXX ( Currently paid {$1700.00} mortgage for the month DUE of XX/XX/XXXX last XX/XX/XXXX. These payments were accepted by PennyMac directly from my bank and from the County of XXXX XXXX Treasurer-Tax Collector XX/XX/XXXX-XX/XX/XXXX ; these payments are : {$1200.00} on XX/XX/XXXX from my bank ; {$1900.00} XXXX Installment Transaction Date XXXX/XXXX/XXXX XXXX ( Transaction ID xxxxxxavailable ), XXXX Installment {$1900.00} Tran-Date XX/XX/XXXX XXXX ( Transac ID XXXXavailable ) Property Tax payments for Fiscal Year XX/XX/XXXX and Ending XX/XX/XXXX. PennyMac have sent me {$780.00} SURPLUS Disbursement Check Voucher ( Check Date : XXXX/XXXX/XXXX ). Very STRESSFULLY CONFLICTING TO ME, PennyMac have sent me and my wife THREATHENING/HARRASSING LETTERS OF NOTICE OF DEFAULT AND INTENT TO ACCELERATE foreclosure, loss of property, negative report to the credit bureaus ... etc. Deceiving terms being used ; since I bought my house XX/XX/XXXX till XX/XX/XXXX ( almost two years ) I have paid my property tax, and my Monthly Mortgage Statement sent by PennyMac of {$1400.00}. Upon re-evaluating/reviewing my monthly mortgage BY PennyMac in XX/XX/XXXX stated that my monthly payment should be {$1700.00} to include Property TAX. Hence, property tax was/is paid by me ever since I bought my VA Mortgage home, WHY is PennyMac not crediting/refunding/returning paid excess property tax payment to me first, the County Tax Collector have been paid till XX/XX/XXXX ; OR, credit it to my account with me paying {$1400.00} till final disbursement in XX/XX/XXXX. OR, better yet In response to my CFPB Case Number : XXXX, XXXX XXXX XXXX Priority Complaint Specialist, PennyMac Loan Services LLC, my LATEST Monthly Mortgage Statement Amount Due : XXXX/XXXX/XXXX is {$5200.00}. I am aware that my VA Loan mortgage payment pays for my Thirty ( 30 ) years Fixed Rate of 3.25 % for {$320000.00} only for PRINCIPAL, INTEREST ( {$1400.00} ), and PROPERTY TAX. My home insurance is also paid/covered till XX/XX/XXXX. PennyMac is committing fraud for collecting with threat/schemes already paid property taxes, accepting disburse money from me and the County Tax Collector Office 's and not reporting all on the Annual/Monthly Statements for paid previous property taxes. With clear conscience, I paid my property taxes ever since buying my home knowing that it was NOT IN ESCROW when I signed the contract, ensuring that I would not PAY " ESCROW '' but the term " impound '' was use which I was not aware ; hence, I was focused on the word " ESCROW. '' REGARDLESS!! PennyMac if it is an honest mortgage lender should/shall credit paid property taxes in my account as mentioned above or returned to me. Documented payments from me will all be accounted for, it is simple math.
I have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! 

It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! 

I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.
Tried to access Nelnet website, however, I am unable to because of the " status of my account. '' The status is that I have am third-year in a five-year Chapter XXXX bankruptcy out of the XXXX XXXX of North Carolina. Not only do I want access to my account via online so I can make optional payments ( when I have the extra money ). I understand they are not required during my bankruptcy proceedings. Moreover, I want the most recent account balances ( with principal and interest balances clearly delinanated, and the grand total ). Finally, I want to be able to access the XXXX application. Right now, I am unable to because of the " status of my account '' message.
I paid off a loan with Santander USA and they reported my loan as a XXXX XXXX. And show my payment as late and charged off!! They were paid off promptly and even gave me a refund. I want this corrected.
On XX/XX/XXXX a principal and interest payment was paid in the amount of {$970.00} for my XX/XX/XXXX principal and interest payment. I understand that my principal interest taxes and insurance ( PITI ) payment is a total of {$1200.00}. My escrow balance due for the month of XXXX was paid on XX/XX/XXXX completing my XXXX escrow payment. When my loan was originated I promised to pay a certain amount for principal and interest each month to avoid any foreclosures and added interest that may accrue, and I have committed to that agreement since origination. A mortgage company is unable to pursue foreclosure on unpaid escrow so why are they able to report to the credit bureaus negatively when the escrow balance was not paid? 

Per my credit reporting Freedom Mortgage reported me as a 30 day delinquent because my payment ( PITI ) was not paid for the month of XXXX ; however, on my report it showed that I was in the arrears of over {$2200.00} which is not correct as they stated in their response dated XX/XX/XXXX ( which I just received on XXXX ) that my payment of {$1200.00} is the full payment for the month of XXXX. When i initially wrote to Freedom Mortgage I advised that my principal and interest payment was paid prior to the reporting date to the bureaus as well as my escrow payment was also paid for the month of XXXX prior to them reporting to the bureaus and asked that the revise their reporting and report the month for XX/XX/XXXXas current because the principal and interest payment was paid on time. Unfortunately, they declined my request, and provided me a response. 

Please help me with the following : 1- Update my credit report for the month of XXXX to current as the principal and interest payment was paid in the month that it was due. 
2- Explain to me how the credit bureau is showing a delinquent amount owed for over {$2200.00} when my payment is almost half of that. 
3- Explain to me how the mortgage company can not foreclose on unpaid escrow but they are able to report negative on a credit report if the principal and interest payment was paid but not the escrow portion of their payment.
on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. TRANSUNION & XXXX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. TRANSUNION SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.
On XX/XX/2018, we contacted Seterus Inc, to request the pay off in good faith. The servicer appears to have engaged in Florida 's deceptive business practices for the following reasons : 1 ) the lender has provided a few pay off, not only reflecting different amount but most importantly inconsistent with the amount owed. The pay off provided by Seterus reflects the amount of {$15.00}, XXXX, for an allege escrow overdraft. We are without knowledge as to this fee added to the pay off amount. According to the loan modification agreement, Seterus Inc, collected the amount of {$1.00}, XXXX, in advance for any future escrow shortage. The account has been paid timely pursuant to the contract wherefore the account should not have an escrow shortage or overdraft. In addition Seterus have imposed a forced placed insurance despite being in receipt of insurance invoice we elected. Seterus choose to pay the the forced placed seeking to enrich themselves by placing a more expensive policy. During the last Hurricane, we filed a claim and the insurance company recently sent Seterus Inc the first draw in the amount of {$33000.00} from a total claim in the amount of {$120000.00}. Seterus Inc is holding the insurance proceeds and therefore we are requesting that the funds are applied to the pay off amount. On XX/XX/2018, the servicer communicated that were unable to to confirm that Mr. XXXX XXXX is deceased because the death certificate did not reflect the social security. Mr. XXXX perish outside the United States and is the reason the social would not be added. However, the death certificate does show the passport number which can be easy traced to Mr. XXXX which proves without any doubt that he is deceased. Before Mr. XXXX past, he quit claim the property to me, XXXX XXXX XXXX. XXXX also gave me authorization to speak on his behalf to Seterus Inc, even after his death. It is important to know that i also included XXXX XXXX on the deed. We have attached clear and convincing evidence that Seterus inc, has acted in bad faith in regards to the matter. Action is hereby demanded from the Consumer Financial protection Bureau.
Several months ago I filed a complaint with your office against Paypal for their unscrupulous, unethical, bullying and probably illegal business practices. That Complaint # is XXXX. They surreptitiously permanently shut down our account for ONE violation in 15 years and refused to release the funds on deposit in our accounts. The money was released, and we moved on. 
Now, almost 8 months later, we find our accounts have remained open, but permanently restricted. We will never be able to use them again. We have XXXX accounts, each of which has a credit card and banking information attached to it. We do not want our banking and credit card information floating around in cyberspace in perpetuity. 
We reached out to Paypal to close both accounts and they have flat-out refused to do so. Their reason for refusing to close out our accounts is not plausible. In today 's day and age, I am sure there is a program or two that can keep track of Paypal 's closed accounts. They are just continuing to engage in their monopolistic, bullying, arrogant, and unethical behavior. 
Can you please help us get these accounts closed so we can move on from this God-awful company once and for all. 
I am attaching copies of Paypal 's responses to our request to close out our XXXX accounts.
I was given a misleading " loan modification '' by Nationstar Mortgage. What they gave me was a loan forebearance, disquised as a loan modification ( see the attached documentation ).   My payment for the initial two years has been {$1600.00}.   I received a notification " of the successful complettion '' of my loan modification, and informed that my new payment effective  XXXX   XXXX , will be {$6400.00 } ( an  increase of over 400 % ).    NationStar tol d me that I qualified for a new affordable payment, and that it would be extended if I made my payments on time. All payments have been made on time.   This is a consumer loan. A loan on my personal residence. I can understa nd a 25-50  % increase. A 400 % increase is criminal and must also be a violation o f Dodd Frank  laws.   The irony of this situation is that my original countrywide loan was an adjustable loan at 2.00 % over 12 month treasuries ( currently under 3 % ). Had the loan never been " modified '', My payment would be several  thousand  dollars less than they expect me to pay them in  XXXX . My loan balance also significanty less than it currently is. They also want me to pay back the entire loan, over the remaining 19 years.   I have written to th e Chairman and CEO, and have not been offered a solution. If their intention was to push me into a short sale, why did they trick me into making payments to them in good faith, over the past two y ears?   There is no equity in my proper ty ( it 's w orth {$100000.00} less than the current loan balance ).   Unfortunately refinancing with another lender is not an option.   I 'm sure that I 'm not the only  Nationstar  customer that in this situation.   I 've attached all supporting documents.
I terminated a vehicle lease on XXXX. I took out a new lease on a new vehicle that same day. Lexus Financial Services continued to electronically withdraw, for the next 2 months, money from my account to apply to the car which was returned even though I was free from further financial obligation, and even though I went online to close their access to electronic withdrawals. They reported me once late as " past due '' payments to the XXXX credit reporting agencies, then circumvented my web account management to take money from me. Over a dozen calls to them get no resolution : promises aplenty, but no resolution. Their various departments at LFS do not seem to be able to communcate with each other effectively to solve what should be an easy issue : termination of XXXX lease and initiation of a second.
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over 12,000.00. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.
This is a tale of a merchant account set up by Bank of America ( BAC ) without my permission and without any due diligence. 
On XXXX/XXXX/XXXX, I received from XXXX a package that contained a merchant account data input device that was sent from Bank of America. My wife also received a voicemail message from XXXX at BAC, XXXX XXXX XXXX XXXX, asking about some charges against the merchant account in the amount of approximately {$10000.00}. 
On XXXX/XXXX/XXXX, XXXX called me on my cell phone and asked about charges on a merchant account. She said the account was opened in my name with my social security number ( SSN ). I told her that I did not open the account so she said she would close the account. 
I immediately checked my credit reports for XXXX through a XXXX online query. None of the XXXX agencies had a record of a recent request for credit. 
In a later call to BAC, I obtained the merchant account number : XXXXXXXXXXXX. 
I filed a report with the local XXXX ( XXXX ) Police Department ( XXXX ) on XXXX/XXXX/XXXX. The XXXX kept the shipment from XXXX including the data input device as evidence. 
On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, reportedly from XXXX XXXX XXXX XXXX My cell phone said the call came from ( XXXX ) XXXX. She said she was making a credit claim as a credit collection service for XXXX XXXX XXXX in the amount of {$1900.00} against the aforementioned merchant ID account number XXXXXXXXXXXX. She gave me a reference ID number YYYYYYYY and a direct line phone number to call her back ( XXXX XXXX XXXX. I told her that the account had been closed by BAC last year ( as described above ). 
I called XXXX to discuss the status of this and spoke w/ Nativa at BAC mobile support, ( XXXX ) XXXX. She said that the merchant account was closed and that the call was a phishing call and that I should ignore it. I asked her to send me a letter or an email to confirm what she said and she said that she could not do that. 
I have not called XXXX XXXX to follow up on their claim. 
I have been damaged by the reckless manner in which BAC opened the merchant account without due diligence and I continue to be harassed by other parties as a result of their gross negligence.