WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is in reference to PHH 's ( i.e., XXXX XXXX, Senior Liaison, Office of the President ) response to complaint number XXXX. In PHH 's response they referenced not being able count the interest paid because it was paid in arrears. PHH also mentioned that the information in their response could be found in IRS Publication XXXX. 

For this complaint I am asserting that PHH has misrepresented the information in their response and misrepresented the instructions found in IRS Publication XXXX for the following reasons : 1 : Arrears by definition means money that is owed or due and should have been paid earlier. For example : The 13th payment was made on XX/XX/XXXX in the amount of {$1000.00} for XX/XX/XXXX, any interest paid as part of that payment would have been for interest accrued until XX/XX/XXXX. Just because the payment was due In XX/XX/XXXX does not mean that interest associated with the 13th payment was paid forward for interest which had not yet accrued. If PHH is claiming that part of XX/XX/XXXX payment was used to pay interest for XX/XX/XXXX, a period of time for which interest had not yet accrued, then I believe this is a misrepresentation of the facts. 
2 ) IRS Publication XXXX specifically states on page 8 " The statement will show the total interest you paid during the year, and if you purchased a main home during the year, it also will show the deductible points paid during the year, including seller-paid points. However, it shouldn't show any interest that was paid for you by a government agency. '' The information I provided in complaint XXXX clearly indicates that all of the interest ( {$13000.00} ) was paid in XXXX. Therefore, as required by IRS XXXX, all of the interest paid in XXXX should have been shown on my XXXX for XXXX. 
3 ) IRS publication XXXX discusses prepaid interest on page 8. However, since interest accrues in arrears, no interest was prepaid for XXXX. The 13th payment was paid on XX/XX/XXXX. This means that any interest paid was for interest that had accumulated on the loan between the 12th payment ( XX/XX/XXXX ) and the 13th payment ( XX/XX/XXXX ) ; all interest being paid in XXXX and not prepaid for any part of XXXX. Any money that was paid early ( XXXX and prior years ) would have helped to reduce the principle balance and thereby reduce the interest that was estimated to be due at the time the loan was originated. So while the principle was paid in advance, the interest was not. There is no interest that was paid in XXXX that should be considered a prepayment of interest for XXXX. 
I respectfully request PHH to provide a revised XXXX that accurately shows the {$13000.00} paid in interest in XXXX, plus an additional {$150.00} to cover the cost of having my accountant file a corrected tax return once PHH corrects their error.
At the start of this year I saw multiple promotions on the Citibank website in regards to the opening of a CitiGold checking account. This was done using promo code XXXX which was then confirmed multiple times by Citi bank via their online systems. I then proceeded to meet the requirements ( as was also confirmed via their online system and Which should have resulted in me getting XXXX XXXX XXXX miles. into my account. I even got feedback from them that I met the requirements etc. I will attach screen shots of all of the messages and confirmations later in my complaint. They not only proceeded to charge the XXXX USD a month fees but have not honored the sign up bonus. This is a clear form of bait and switch and as you will see they even tried to delay my complaint by telling me to wait a few months for the miles to post ( which resulted in more account fees ) Finally on XX/XX/XXXX they denied that I was even eligable for this promotion whcih they had clearly confirmed many times prior ( see the emails from Citi ) As I clearly met all of the terms and conditions and since that was cleartly confirmed by Citibank I want the XXXX XXXX miles credited to my XXXX account asap.
My bank of America account was closed, sometime in 2013. It was my ex 's account and I was on it. Back in 2013, I moved out of the house and was told by Bank of America that BOTH parties had to come into close the account. After moving because of an XXXX, I forwarded my mail, however never received anything telling me the joint account we had was over drafted or being closed. I had already gotten a new account and my ex continued to use the old account. I did n't feel like I had a choice because my ex would not close the account. 

Moving forward, I 've tried to open an account and was denied as of a few weeks ago for a checking and savings account. Bank of America Had reported to XXXX that the account was over drafted and closed as of 2013!. I 've called bank of America telling them what happened, however, they do not care. I paid the over drafted amount in full, even though it was not my fault that the account was over drafted. 

It was XXXX paid in full as soon as I realized that I owed money. I 've asked them to delete this account with XXXX, as bank of america nor XXXX have my right address and this account was not being used by me and I had multiple requests to bank of america to take my name off this account. But bank of america will not send a delete letter to XXXX because they state they are reporting accurate information ( which they are not ).
I recently checked my credit report with Transunion on the XXXX of this month. I noticed that a few inquiries were removed as well as a account for XXXX. I checked back today and I see that those same items was reinserted back on my report with them notifying me via mail within the five day according to the FCRA. The dates on all these accounts was changed to reflect current dates which is also not legal. XXXX changed there name when they was added back onto my credit file.
Upon recently viewing my credit report I saw a collection account from Consumer Collection Manangement.  However, after reviewing my records, I was unable to nd any documentation of any contractual relationship between Consumer Collection Management and me which makes them a person entitled to enforce a commercial claim against me. On XXXX/XXXX/XXXX i mailed XXXX a letter advising them i had no knowledge of the account. This company responded providing me with account statements that had the dates whited out and deleted making it impossible for me to cross reference the dates and amounts owed against my records. I plan on filing a complaint with the Attorney general and Federal trade commission.
I have submitted several letters with return receipts disputing the information that Experian is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that Experian is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.
I have been working on a short sale for 2 months and it does not appear that anyone is diligently working on it. They have lied to me several times regarding the order of the property value and neither the negotiator nor the manager has returned my calls.
I had an original XXXX XXXX XXXX Loan for my primary residence that subsequently serviced by several loan servicers. During the 2008 recession and financial and housing crisis my mortgage became insolvent and thus I applied for a HAMP and TARP loan under the direction that I would be able to get relief. I was wrongfully denied a loan modification and have since been in litigation with the loan servicer for the past several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit but however my loan servicer still reports this as a derogatory mark not only damaging my personal credit but my livelihood as well. They have also subsequently taken payments from me during a trial modification period. I made all payments timely and with good faith and was denied once again. They pursued the foreclosure breaking HAMP and TARP requrements. We have had a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
I bought a necklace off of PayPal for {$5000.00}, XX/XX/2018. After days, PayPal cancelled my payment. Which forced to to keep money in my PayPal balance. I rebought the item from my balance and paid. I got the item. After days of having it, I decided to get it checked. The item was fake. Fake gold necklace. I wanted my money bsck. The seller refunds me but PayPal limits my account. My money is in PayPal account ( my refund ) and they are not letting me get MY OWN refund off of PayPal. So my money is sittin there and they said I have to wait 180 days. Which is not right. Its my money. I paid with. I want my account to just be opened for me to withdraw my own money and I will be fine not using thier services.
On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.
I bought a ring from XXXX. I paid the ring off, and I applyed for a credit card and never received it. Although on my credit report showed I have a 90 day missed payment on my credit card account. Which I never received one bc they had my home address not my XXXX XXXX XXXX So I called XXXX claims and they said I have a balance off $ XXXXSo I do n't understand why my credit report says that I 'm XXXX days late. 
Thank you
Student Loan had been in " OK '' standing since XX/XX/XXXX As of XX/XX/XXXX,  my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
PHH Mortgage is giving me the runaround on dropping my PMI. They keep telling me I need to be at XXXX % of my purchase price instead of XXXX % of my appraisal value. I am literally {$870.00} dollars away from being at XXXX % of my original appraisal value. Every time I speak with someone and ask them if I make a {$900.00} payment today to drop my PMI all I get is the run around. I have spoken to many people in refinance business and on this site and everything they are telling me is untrue. I offered to make a {$900.00} payment immediately to drop but then I get put on hold for XXXX minutes each time and they literally repeat the same conversation we just had. I am currently waiting for a higher up supervisor to call me back because the lady I last spoke with was of no help from the XXXX.
Information on there that should n't be over 7 years old disputed things never taken off with proven paperwork car shopping inquiries with in a XXXX week period being charged as high inquiries never new some shopping at just XXXX car dealer if I do n't like the deal at financing I do n't have to agree it 's not fair car dealer sends XXXX or XXXX banks and I get points lowered because car dealer slung my deal to XXXX banks guess I 'm to have cash for every thing
I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.
I am writing now in hopes to gain your help. Currently I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a significant part in this process. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am submitting this to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.
Per credit report from XXXX dated XX/XX/18. Grant Mercantile Agency has opened ( 3 ) Collection accounts on my credit, each in the amount of {$3300.00} ( all duplicate ) for a total of {$9900.00}. This is either an error or fraudulent activity by Grant Mercantile Agency. I will authorize 30 days to Grant Mercantile to correct the error. If not corrected by XX/XX/18 a lawsuit will be filed against Grant Mercantile Agency for all damages incurred for this error and/or fraudulent activity.
Citicard declined a fraud claim. They fail to comprehend that I had 2 credit cards in my name on the same account as well as the card being used in 2 different locations. My card was fraudulently used on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX {$190.00} XXXX XXXX and XX/XX/XXXX {$320.00}. XX/XX/XXXX XXXX XXXX {$320.00} XXXX XXXX  I used my card on XX/XX/XXXX at XXXX, XXXX and XXXX in a different city and I sent them all addresses of my legitimate transactions and the fraud transactions as well as mapquest showing the miles and time and that i cant be in 2 different places at once. My chip stopped working in XXXX  and I requested a replacement card. I never destroyed the chip card that sometimes worked. I had two cards in my name on same account and one was lost. They actually told me to file a police report, call the merchants and requested the front and back of mine and my husbands drivers licenses. The total fraud is like {$600.00}. I have been a Citicard member since XX/XX/XXXX and spend $ 2-3k a month on Citibank and pay in full every month. Im not sending in my drivers license. Can they legally request this information? Im concerned about identity fraud and I feel they dont need this information.
Portfolio Recovery continues to contact me at my home and cell phone regarding a debt that I no longer owe. The original creditor XXXX XXXX, removed the negative trade line over one year ago because the statute of limitations of 7 years and 6 months had passed. I have exhausted all efforts to have the collection agency cease attempting to contact me. I have done so by writing the collection agency to address their dubious practice of illegally, and now unsuccessfully re-aging the original date of delinquency. I have spoken to several representatives, informed them that I do not owe the debt, and asked them to refrain from contacting to no avail.. I have informed the agency that I would attempt to seek legal remedies, beginning with the submission this formal complaint.
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.
I paid off my XXXXyr XXXX mortgage on XXXX/XXXX/2015. Nationstar charged me interest through the end of XXXX. Per the Federal Register Volume 79, No. 165, Page 50835 24, CFR Part 20 ( RIN XXXX ) : interest is only allowed to be charged through the date the mortgage is paid. I have made multiple phone calls without any progress on my overpayment. Natoinstar 's customer service has no accountability and are grossly negligent. I will never do business with this mortgage provider again.
I am being repeatedly called by Comenity Bank over a credit card that I am currently paying off. I am being called multiple times a day and they always call from an unknown number and only identify themselves as Comenity Bank after I answer. As of today I have been called 4 times. Once every 2 hours from an unknown number. When they call I sternly say this is harassment and before I can say anything else they hang up. They have gone so far as to call me after XXXX and on sundays.
I suffered damage to my home during Hurricane Michael and received a check from my insurance company for XXXX dollars. I notified Fifth Third Bank that I wanted to use the funds to pay off my mortgage, I received a letter from them date XX/XX/XXXX acknowledging my request for payoff and instructions on how to indorse check and where to mail. I also received a payoff that was good till XX/XX/XXXX. I sent them the check endorsed by my wife and I with the account number notated on from and the request to pay off my mortgage, I have the receipt from the postal service where I mailed the check and I am showing on my account where they have cashed the check and listed it as an unapplied credit. I have called several time to get this resolved and was assured that my account would be paid off as of the XX/XX/XXXX. I received a letter dated XX/XX/XXXX advising me that all late fees and negative impacts on my credit report would be waived or retracted and that they hade posted my payment as instructed. I call this afternoon and was being transferred and was put on hold for over thirty minutes and I hung up. To me it would have been as simple as them endorsing the check taking my balance owed and mailing the rest back to me. I still don't have my money and now they say I am late on my payment. I am a XXXX XXXX XXXX XXXX XXXX veteran and this is causing undue stress that I don't need. Can you help me?
Hello, Since the time the Equifax data breach was made public, I have been trying to place a security freeze on my Credit Report. The automated system is unable to locate my file. The website does no good either, redirecting me to a page that says the service is unavailable or again, we need more information. I called the Equifax hotline and spoke with a CSR, but only to be told that they can not help me if the website and the automated system can not help. I tried again, this time, the floor manager gruffly read out what is on the website and hung up. I do not want to send my details in mail and wait for an eon before my request is processed by them. This is a gross mishandling of the breach and in this year of 2017 I am ashamed to interact with such a company who is doing nothing to help the people who are suffering.
Two weeks ago I received my annual credit report from XXXX online with no problems. On XX/XX/2018 at XXXX I applied for my XXXX  and Equifax annual credit reports online. I received from XXXX  but Equifax denied and demanded unusual documentation to be submitted by mail. Screenshots attached.
A payment in the amount of XXXX was sent to a XXXX XXXX via Paypal Credit on XXXX XXXX, this was sent in error. Two previous payments made from my regular Paypal account in the amounts of XXXX on XXXX XXXX and XXXX on XXXX XXXX, also to sent to XXXX overdrew my account. The payments were made from my checking account and were both returned, Paypal in turn overdrew my account bringing it negative XXXX. I was unaware of this and sent another payment of XXXX to cover both payments, which I thought were returned and not sent to recipient. I have since disputed this transaction with Paypal Credit, however, they keep requesting proof of prior payment, which was already provided to rep who took dispute information over the phone. I called in again on or around the XX/XX/XXXX or possibly week before with the same information, also provided above. Ive also sent this via secure message on Paypal.com. Please note, the payment ( s ) were for services rendered from an XXXX XXXX, she was or is using XXXX XXXX 's Paypal account to receive payments for herself.
CASHCALL INC Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$2600.00} written off. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX a few years ago CASHCALL INC reported this fraudulent collection on my credit report. When asked to validate they send me blank -UNSIGNED contract that has name of a person similar to mine. As I disputed they stopped calling me but now I show they are still reporting this erroneous collection on my credit report. When I called to dispute this account they stated they were taking me to court on this account I did NOT open back in 2012 ... isn't this illegal to do? now they stated they are planning to garnish wages and are offering a settlement for account that is not mine in first place and they could not provide proof of this debt or my signature of this debt..