WillisBack/dataset-financial-user-claim huggingface dataset:
This is concerning fees charged by Champion Mortgage Reverse Mortgage Servicing Department. Champion sends monthly reverse mortgage statements showing detailed transactions. The monthly statement for the period, XXXX XXXX, XXXX, showed XXXX property inspection fees ( XXXX XXXX and XXXX XXXX ) of {$20.00} each. Upon review of previous monthly statement, I discovered {$20.00} property inspection fees were assessed each month from XXXX XXXX XXXX, XXXX. In sum, for six months, from XXXX XXXX XXXX, XXXX, Champion charged XXXX property inspection fees of {$20.00} each. Additional fees include a property appraisal fee of {$330.00} on XXXX XXXX, XXXX, and attorney fees/costs of {$290.00} on XXXX XXXX. XXXX. All of these charges were added to the loan balance each month. I called Champion Mortgage on XXXX XXXX, XXXX, to inquire about these charges and was told to submit a written request. A written request was mailed on XXXX XXXX, XXXX, with a follow-up request on XXXX XXXX, XXXX. Champion responded on XXXX XXXX, XXXX, stating, " A response will be provided no later than XXXX XXXX, XXXX. However, responses are generally provided in less than ten days from receipt of the correspondence. '' I have not received a response. 
For the record, this property has sold and settlement was XXXX XXXX, XXXX. Champion was notified and a copy of the listing agreement was mailed to them on XXXX XXXX, XXXX. A copy of the sales contract was mailed to Champion on XXXX XXXX, XXXX. This property is in a condo development with all brick exterior. I can assure you no one representing Champion entered the condo for the appraisal or the XXXX monthly inspections. It has been four months since I contacted Champion concerning fees assessed for property inspections, an appraisal, and attorney fees without response.
I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, XXXX AND EXPERIAN '' ; filled out the form, and the first credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX
Regarding complaint XXXX I requested you subpoena the internal email messages to PNC and NOT IMs. There were no IMs! 
They stole money from me- a significant amount! XXXX verified the charge was a mistake! Attorney advises those messages are available on their server! I want justice!
At the beginning of XX/XX/XXXX I had a " jump on demand plan '' with XXXX, which enable me to switch devices every 3-4 months. In XX/XX/XXXX, XXXX decided to switch my plan from personal to business, an so, the made me exchange my phone for a new one, but the exact same model, because of my new " type of account ''. Theere days after they told that I received a new XXXX phone on the mail. I returned my old phone one week after the new one arrived at a XXXX store in Illinois. Everything returned, XXXX balance and closed account. Right? Well ... apparently no ... 9 months later, checking my credit scores I'm noticed that XXXX and XXXX are showing that account on collection. I called several times XXXX and they keep saying the same : that account is closed, and that my new account it is in good standing. 
I tried to dispute this on their sites without luck. Apparently, if you don't have a paid subscription, you can't dispute incorrect information fairly. Although XXXX  is offering to call them to open the dispute, XXXX doesn't even have that option at all.
We requested to remove PMI. We were told originally to reduce balance to 80 % then that changed to 75 %. We did what we were told. We should have had PMI removed back in XXXX ; however we are getting the run around. We want the PMI removed & back dated to reflect the correct effective date. They are telling us we need to pay the full payment for a 2nd month which is completely unfair & unprofessional. We are getting no where with Caliber Home Loans customer service. 

Please help us! 

Our experience is real estate, insurance agent & prior mortgage origination therefore this should not be happening to us ... this is ridiculous
Sometime last year, I had a checking account with U.S. Bank. I did NOT have automatic overdraft protection, and since I did not have this service, I was under the impression that all debit purchases that exceed my checking account balance would be declined. I made a decision to move my primary checking account to another bank, but I did not close my U.S. bank account. I believe I had a balance of just under {$10.00}. At some point in time, a debit purchase that exceeded my bank account balance by about {$0.00} [ XXXX XXXX ] was paid by the bank. Then, shortly thereafter an OD fee of {$35.00} was posted to my account. I did n't realize that this happened until about 5 or 6 months later. During that time, the bank continued to charge recurring fees because my account was overdrawn. By the time I realized what had happened, the bank had charged over {$300.00} in fees to my account and they closed my account. I sent a few correspondence directly to the bank using their secure messaging system. Unfortunately, once my account was closed, I no longer had access to the messaging system, and I did n't think to make copies of the correspondence for my own records. <P/>In short, I think this bank has unjustly enriched itself by charging over {$300.00} in fees for a XXXX XXXX transaction that they should never have approved in the first place. One of the reasons I chose to move my checking account to another bank was because I felt that U.S. Bank charged exorbitant fees and they were not XXXX-friendly ( I am currently a XXXX XXXX XXXX XXXX ).
I am very deceived of the way Penny Mac has handle my loan. I submitted a modification packet to them since XX/XX/2017 to be review for a possible work out option, in my hardship letter I explain the reasons why I was not able to keep up with my mortgage payments. Due to me losing my job Penny Mac in demanding more proof I mean I am not paying my mortgage payment because of my loss of income. I was been forced by my ex employer to resign. I did n't want to lose my job however ; my XXXX has moved in and she is contribution towards my house hold income. I am working now but the money I am receiving is not the same, therefore I am hoping to be provided an affordable mortgage payment, so I can be current once again. My intentions are to keep my house.
TransUnion has a telephone number listed that is incorrect. I have never had or used this number : XXXX
I have XXXX certificates of deposit with State Farm Bank that I opened over two years ago. and each CD has a term of five years. When I opened them I elected to have interest automatically transferred to my checking account at another bank, since State Farm Bank has no branches and I already have bills paid out of another established checking account.. This was critical to me because I 'm a retired senior citizen and I depend on the interest from those certificates to pay my bills on a timely basis. I just received notice that State Farm will no longer credit the CD interest to my checking account, and they unilaterally decided to capitalize the interest on the CDs. When I called to complain, they stated that the only other option was for them to send me a check in the mail, or for me to open a State Farm Bank checking account. This is extremely inconvenient for me, as I would have to depend on the mail to receive the checks, can not depend on the date, and then I have to physically deposit the checks. All of this delays payment and I feel like they are trying to coerce me into opening another account at State Farm Bank. .If I had known this, I would not have opened the CDs there. They are changing the game in the middle and it is not right. I do n't know how they have the authority to do this during the term, as I have a contract with them to keep my money there and they should have to comply with my directions.
Company refused Police Report and Identity Theft Report on several occasion dating back to XX/2016 to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.
Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.
I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
I understand some pretender lender loan servicers use cozy relationships with employees and cozy relationships with shady lawyers to help with embezzlement cover-up's.. The big question under oath will be, are some opposing counsels committing fraud upon the court claiming to have personal knowledge and have looked at all the manufactured documents to assist troubled pretender lender loan servicer 's with financial crimes. We all know the laws allow plaintiffs the right to have a fair jury trial to prove cases with evidence. The big question that continues to go unanswered, is opposing counsel spinning the laws to attempt to take away plaintiffs rights to have color copies of all the so-called original loan documents that have been so called notarized? One would think a honest lawyer would provide the plaintiff with documents that the plaintiff is entitled to without response threats. One wonders who all the parties really are who are out to desperately embezzle my property. We all know many lawyers have been disbarred and jailed for financial crimes. We all know the FBI investigates and jails criminals for financial crimes. When is opposing counsel going respond to my consumer complaint without spins and provide me with color copies of all the so-called original loan documents that have been so-called notarized that I am entitled to. The other question that continues to go unanswered all of these years is, when is opposing counsel going to allow my FBI forensic expert access to the so-called original documents, including the so-called original note and the original void assignment that was signed off by XXXX and XXXX employee just days before the pretender lender counsel filed its bogus lawsuit to pretend to be a party of interest then committing fraud upon the court? I look forward unwinding all the injustice with evidence. I look forward to the CFPB enforcement findings. I look forward to a jury trial. I look forward providing the California State Bar enforcement division with evidence after I am awarded damages.
On XX/XX/XXXX and XX/XX/2018, I started an investigation regarding Bankruptcy 's listed on my credit report. I sent Experian Letters that I received from the bankruptcy court that they do not report to any credit agencies Experian notified me by mail and closed the investigation on XX/XX/2018 that they verified as accurate and I need to go to the US Bankruptcy court if I have questions since they reported the information. 

Again, On XX/XX/2018 I faxed over a letter to Experian that the BK Court deputy clerk gave me 2 letters stating that they do not verify information or put BK to the credit bureau agencies.. They still closed the case and opened another XXXX. 

I've asked for Proof of who tolf them that information and they reverted e back to the court and court said they they did not provide the nformation. 
Since I provided important letters to delete the information off of my credit report, they are now adding another 30 days on the clock for the same issue which is a violation of FCRA.
We refinanced our mortgage in order to switch from an ARM to a fixed. We were given paperwork showing that our new mortgage company would be XXXX XXXX XXXX XXXX XXXX Mortgage and that our first payment was due on XXXX/XXXX/2015. We used an ACH transaction to pay the first payment on XXXX/XXXX/2015. We have documentation from our bank, XXXX XXXX XXXX, that the transaction was sent and that XXXX Mortgage received it. 

On XXXX we received a letter from Shellpoint Mortgage stating that they now owned our mortgage effective XXXX/XXXX/2015. This was 17 days after we sent our first payment. They advised us to not send the XXXX payment to XXXX and to send it to Shellpoint. The payment we sent does n't show on either company 's website for our account. We 've called both companies to try to get the payment corrected but unfortunately, neither company will assist us in this process. When we call XXXX they tell us that the request to transfer the funds must come from Shellpoint. When we call Shellpoint, they tell us that we must call XXXX and arrange the transfer ourselves. after numerous calls to each entity, we keep getting shuffled back to the opposite entity. 

In the meantime, we are currently listed as late for our XXXX payment and have no way of retrieving the funds from XXXX so that we can pay Shellpoint.
I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything
This is a copy of a letter sent to Walmart/SynchronyXXXX along with their complaint form, in regard to a problem with my account : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX Reference Credit Card Account Ending In : # XXXX To Whom it May Concern, I was checking my credit account with your company and discovered an error. I sent you two payments of {$220.00} to be applied to my account, one for my usual monthly payment and the other to be applied on the principal on the debt. Both payments were initially credited to the account on XXXX XXXX, XXXX. However, your accounting office, for some unknown reason on XXXX XXXX, transferred one of the {$220.00} payments to someone in XXXX, Georgia. 

I called your offices about two weeks ago to make an inquiry on this transfer and was told it had been transferred to my old Walmart account to cover an outstanding balance on it. I informed the person I was speaking to that there could be no outstanding balance on that account, as the complete balance of it was transferred to the new card when it was issued. I was then told the money would be credited back to my account. 

Since then, my normal monthly payment of {$220.00} was received and credited on XXXX XXXX, XXXX, but the {$220.00} that was transferred to XXXX, Georgia is still missing. 

Nobody at Walmart/Synchony seems to know exactly where my money went, but I want it refunded back into my account immediately and applied toward the principal on my debt balance. At this time I am paying additional interest to you because of this error. 

Sincerely, XXXX XXXX XXXX, XXXX. 

______________________________________________________________________ Since then, this has occurred : ______________________________________________________________________ On XXXX XXXX, XXXX, I checked my Walmart Card balance and found out that my balance had gone UP {$360.00}. Instead of deducting the {$220.00} refund I SHOULD have been credited with, it was ADDED to my current balance along with an increase in interest {$3.00}. Maybe I was better off just letting them keep the {$220.00} I was cheated out of, because they have now cheated me out of another {$220.00} plus interest. My balance actually went up from {$6600.00} to XXXX. There have been no other charges made on my bill by me, but my bill has increased by {$360.00}. 

Enclosed are copies of the printouts from my account online.
I am with XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs in demanding answers from BofA and XXXX about their recent anti-gun activity. I quote his XX/XX/XXXX comment : It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. 

XXXX also raised the issue of the banks collection of personally identifiable information ( PII ) and how it might be used to monitor and deny financial services to individuals and companies who are engaging in completely legal and, in this case, Constitutionally-protected activity. He additionally sought further information about the banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. '' I am very concerned if banks seek to replace legislators and policymakers and attempt to manage social policy by limiting access to credit. I have been a BofA customer for years and will look into changing my banking.
First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.
They called another phone line at my job asking for me on XX/XX/18 and I told the caller this was my workplace and to stop calling. Today, on XX/XX/18 the same caller called the other coworkers number asking for me. I work for XXXX XXXX and can not keep having them call my place of employment especially on a phone line that is not mine!
I address issue on XX/XX/XXXX and the website work only one day for me.
I have a few things on my credit that is NOT mine. I am a healthy male that has not nor need to goto the doctor so these hospital bills are NOT mine!
XXXX XXXX collection company has placed an unknown account on my credit report in XXXX 2017 without notification or validation of the debt. However I do not have a contract or signed any documents agreeing to pay XXXX XXXX XXXX on an account. I did not establish services nor did I have any written agreement to establish services with XXXX XXXX or XXXX XXXX. I am demanding proof of validation with my signed signature of the debt and proof that XXXX XXXX can collect and owns this account. If both can not be proven with documention. Then not only are they in violation of FDCPA but also FCBA. I have not received notice of this debt a right to dispute and so forth. I am requesting and showing proof not only is this the second time this has happened with illegal reporting to the credit bureaus but also not adhering to FDCPA. This account was with another violating collection company back in XX/XX/XXXXand was removed due to violations. please see the attached documents. Companies as such should govern themselves accordingly and not provide information without proper consumer notification. Violation as such can lead to grounds for a lawsuit under FCRA. I am asking that XXXX XXXX remove accounts immediately and close the account for collections.
Please see attached as to how it has been with two previous collectors who violated and one shows a XXXX balance because i never owed a balance and later XXXX XXXX decided to give it a shot at collecting a un owed debt.
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TD/XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX