WillisBack/dataset-financial-user-claim huggingface dataset:
I had a car loan with  XXXX   XXXX   XXXX , in   XX/XX/XXXX  t he car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to  XXXX  causing additional fees.  XXXX  received t he payment in  XX/XX/XXXX .Wh  en  the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that  XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.       XXXX   poor business practice has errouneously reporte d incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Company continues to contact my place of employment after several times telling them to not call my job. Receptionist always answers and lets them know I can not have phone calls " personal or personal business matters '' ( which I have none if its personal it is not a business matter ). They continue to call. Then the caller gets rude with the receptionist and goes as far as giving personal information to confuse the receptionist in order to have her transfer the call.
There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.
I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

Experian ad XXXX confirmed on the phone that it's " up to the lender '' to report what they want.
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2016 XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

I am a XXXX and wanting to use my XXXX loan to purchase a home so I ca n't believe how this is happening right now of all times. Is there anything you can do to help me? I really do n't know how these payments became past due.
I submitted a IDR renewal request in late XXXX and was notified by the loan servicer ( Nelnet ) on XX/XX/XXXX that they had received the request. I followed-up with a call to make sure everything was in order. I then received a letter the first week of XXXX ( dated XX/XX/XXXX ) that they needed additional information to process the request. However, when I called to speak to customer service, they said I needed to fill out the IDR request again and that there was no record that they had received ( despite having sent me an email confirming receipt of that request ). Given the loss of documentation and delays on their end, I doubt they will be able to resolve this before the XXXX deadline ( and I will thus fall out of the IDR payment plan and have to reapply ).
I have sent payments to PennyMac mortgage using XXXX XXXX XXXX Billpay since the day they bought the paper. Now, for the last 3 months, PennyMac has decided they will apply my payments only to principal reduction. If I did n't catch this 3 months ago, I would unknowingly be behind on my mortgage payments. It seems like XXXX, XXXX, & XXXX all over again! Each of the last 3 months, I have had to write letters requesting PennyMac to properly apply my payments. They have corrected the issue each time but it takes a couple of weeks for them to get it right. I am concerned that they are possibly over charging me for interest for the days they are taking to fix their errors. I have just asked to be contacted by a loan servicing supervisor but I do n't expect them to comply. I always paid a little more than the payment due to try to shorten my loan period. This month, I sent the EXACT payment due and they still applied it to principal only. Their website is a pain to navigate because they load my computer with cookies that my antivirus program deletes. Every time I try to log in, I have to wait for PennyMac to send me a special code via email so I can access my account. It is really like dealing with a guy down the block running a mortgage company from his garage. I ca n't be saddled with a mortgage company I do not trust so I am going to pursue a refinance to get away from them.
This complaint is against EXPERIAN, XXXX XXXX and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Select Portfolio Servicing is a debt collection company who has been harassing me daily. I sent them a debt validation letter and they never respond with the proper paperwork. In the mean time they continue to call my phone, left notes at my door. They are trying to foreclosure on me and I do n't know who this company. According to the FDCPA they are using deceptive practices to steal my home and also I did n't give them consent to contact me nor did they have express permission from a judge or court order saying that they can contact me. 
I know my rights are being violated. I am tired of living in fair and this is affecting my entire family. 
I am currently overwhelm by this company actions, I am suffering from XXXX, XXXX, XXXX and many more issues. 
See attached some correspondences from the company.
I 've been paying a student loan since XX/XX/XXXX. The original total loan amount on XXXX/XXXX/XXXX was {$17000.00} ( {$5800.00} & {$11000.00} ). I was consisted through XXXX XXXX had some financial issues, my loan went into default, corrected that and by XX/XX/XXXX was paying my loan consistently. Throughout my loan repayment, more money has been going towards interest than the principal. Prior to default in XX/XX/XXXX, I paid a total of {$7500.00}. After default, my balance was {$14.00}, XXXX. Payments from XXXX through XXXX has been {$6000.00} and my outstanding balance on XXXX/XXXX/XXXX was {$14000.00} prior to a {$200.00} payment. After this payment my balance is now {$14000.00} more than it was after my default in XX/XX/XXXX. Only {$60.00} went towards my principal. Please help me get out of this situation. I 've paid a total of {$15000.00} towards my student loan already and getting nowhere. It 's been 10 years of XXXX, and despite unemployment, divorce, salary cuts, and now a child in college my loan is still not paid because Nelnet is not distributing most of the payments towards the prinicipal. If you look at the documents attached of screenshots, for some month nothing goes towards the principal or like last month only {$1.00}. Please help me, I work as a teacher, my salary has been slashed or frozen for the last 5 years, and currently XXXX and now have a son in college. I have XXXX a total of 3 years at a XXXX. I 'm also very worried about saving for my retirement. This has been never ending and worrisome. 
During my default, I filed a complaint to CFPB and received assistance and would like assistance for this issue which contributed to my default.
My rental history from Experian XXXX is negatively reflecting civil court inquiries, which is keeping me from moving or getting an apartment.
I do not have any information in public records on any of my major credit reports.
I've never been evicted, owed any rent balance, or have I ever had any judgements against me, and I'm currently still residing at the same address for over 6 years.
I have been a Bank of America ( B of A ) credit card holder for almost 20 years. Each month, for those many years, my credit card minimum amount due has been paid - automatically - from my checking account with a different bank, and I have not had any problems until approximately 3 months ago. 
At that time, I received notice that my account was " past-due '', and I was going to be assessed late fees of approximately {$27.00} - all the while assuming my account would be paid the minimum amount due, automatically, as it had been for years. I contacted B of A customer support - multiple times - to get this straightened out, and was eventually told that their previous auto-pay setup was via a program called " XXXX '', and that was ( or had just been ) phased-out, and replaced with a different B of A system. I was then told that their " new '' payment process did not allow the setting up of monthly " minimum payment due '' amounts - only the full balance due, or some pre-set " fixed amount '' payment could be made. 
The impact of that decision ( for myself and other similar B of A customers ) is that if I were to setup a fixed amount of, say, {$100.00}, and then in the course of the next month, added additional charges to the account, the minimum amount due would then increase above that {$100.00} fixed amount, and I would then be, again, delinquent, and get assessed late payment fees, etc., for not paying the revised and increased, minimum amount. 
After multiple calls to Credit Card Customer Service at B of A, I am being told that their " new '' system does not allow the setting up of monthly " minimum payments due '' - which is unlike every other major bank with which I have a credit card relationship. If this is happening to ME, I have a strong feeling other B of A credit card account holders who had setup their accounts for autopay of the minimum amount due under the previous XXXX system, are being charged fraudulent missed payment / late payment fees - without ever being notified of the system being changed, no notice of the impact of those changes, and now having NO option to make automatic minimum payment due amounts ... resulting in many B of A credit card customers being charged bank penalty fees. 
I would like the CFPB to contact B of A 's credit card department for an explanation of why no minimum payment option is available, evidence of how they supposedly notified their cardholders of the changes, and the financial impact to their cardholders. I would imagine these additional penalty/late fees have had an impact to B of A 's bottom line.
Ally financial continues to call my home and cell phone number to collect a debt from someone who is not a member of my household. This frequent and repeated calls happens multiple times a day despite me telling them that I do not know where this person is or how to find them. I tell the representatives of this company not to call me again but they continue to do so even though I have no information to provide them.
All three major credit bureaus, Experian, XXXX, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
this reporting agency refuse to send validating paperwork on on how they verified the account. XXXX XXXX account # XXXX. have not received proper documentation on properly validation the accont is mine
First of all 21st Mortgage took over our loan and they are difficult to deal with. First of all we are behind 2 months going on 3 months and I called them to make a payment and they said that they wouldnt accept the payment unless we give them detail or plan on what to do with the delinquency. I ask them to write a letter that they are not going to accept my payment but they refuse and said to mail it and that I did. I also told them that i am being audited by the Franchise Tax Board because it doesnt show with Franchise tax board that I am not one of the owners and that they only declaring XXXX person as the owner instead of XXXX to the IRS.. They wanted a proof of the letter from the Franchise tax board so that they can call the them to talk to them. They also wanted to know who is our accountant so they can investigate. That day that they didnt want our payment instead they sent a letter which I will attached that now we owe four months. They had previously sent someone at the property to collect the mortgage payment. They have been forcing us to file for loan modification and we had informed them that when we filed for a loan modification instead of us getting our payment lowered it had increase our payment and as of now Im being garnished by the Franchise Tax Board for not being one of the owners. I had been asking for a monthly mortgage statement to see how much we had paid, interest, but they said that they dont provide mortgage statements. They had also been calling my mom, my sister to which they are not part of the loan. When making a payment with them its so difficult because it goes from the customer service to the financial counselor to the supervisor then you need to inform them when you making the next payment. Ever since they ( 21st mortgage ) took over the loan w have so stressed out with them calling night and day including saturday early mornings.That day that I was making a payment and they wouldnt accept it they were on the other line calling the Franchise Tax Board and wanted to talk to them regarding the audit. Thats too personal and that the mortgage comp has no right to call the Franchise Tax Board and also wanted to know the name of our Accountant so that they can investigate and they were saying that our accountant is not good and that he doesnt know what his doing when filing for taxes. I even told them that it is illegal for a mortgage company not sending a monthly mortgage statement. We had fax the letter we received from the Franchise Tax Board to the mortgage comp because they wanted a proof and that they said they were going to deal with the Franchise Tax Board.
I write to ask the CFPB to sanction Nationstar Mortgage which holds the mortgage for a single family house at XXXX XXXX XXXX ; XXXX, GA XXXX. I also seek reimbursement for the cost of a survey and any code violations that I may be required to pay for not having the survey of the property that Nationstar said it had emailed to me. The account number with Nationstar is XXXX. ( NB : this account is for XXXX XXXX XXXX. One of your forced choice answers on this CFPB form distorts this information. ) Please also sanction Nationstar for unfair, deceptive and abusive practices. I was lied to and Nationstar disconnected me and refused to allow me to speak to a supervisor when I asked to a dozen or more times. A little while ago, I telephoned Nationstar Mortgage 3 different times. The first time, I was lied to. The second time, it hung up the phone. The third time, Nationstar put me on hold while it refused to allow me to speak to a supervisor. The first time I spoke to Nationstar, I was told by its representative that she would email me a copy of the property survey it had. However, she lied and did not send it. Instead she sent a copy of an old appraisal with no survey included or attached. The second time I called Nationstar, I asked to speak to a supervisor. The person I spoke to refused to transfer me to a supervisor and talked incessantly without transferring me. Eventually, the call was disconnected by Nationstar. The third time I called Nationstar, I again asked to speak to a supervisor. The representative refused to transfer me to a supervisor and also talked incessantly while refusing to transfer me to a supervisor. I hung up the phone since I called from work and it was clear that Nationstar would not allow me to speak to a supervisor. Among other things, to stall for time, Nationstar kept asking me to repeat why I wanted to speak to a supervisor. Although I answered this question in each of the 2 phone calls in which I asked for a supervisor, they then wanted to chat some more, asked more questions and generally dissembled and refused to transfer me to a supervisor. I need the survey to make timely repairs to the house. It is required to get a building permit. Please make Nationstar email me a copy of the survey as it originally said that it had. Please also sanction it for lying, wasting time, dissembling, causing unnecessary expenses, and not allowing me to speak to a supervisor when I asked repeatedly for one in two different telephone calls to it.
not long ago i approached my lender company to assist me with lowering down my monthly mortgage payments, making them aware that i had lost my job and was not able to keep up with the current payments as i clearly began to fall behind on my mortgage. for months i went along with providing them documents needed. when they gave me the call to provide me the GREAT news i come to find out all they did was raise my payments higher by XXXX   dlls. i dont understand how that makes sense in any way. i made my point very clear that i was having financial issues and all they did was make my payment go higher. i am now trying to apply again or them to lower my payment and they refuse to review my financial situation or mortgage at all. i have not made a payment since they gave me this ridiculous modification because i literally was not able to do so in the past i most definable can not do it now XXXX  more than what it was. at this point in time they refuse to help me and i am seeking all help possible for me to not be left on the streets. this is my home i worked very hard for and last thing i want to happen is to loose it because i was granted a higher payment that i can not afford. PLEASE HELP ME
I had multiple student loans with Wells Fargo Education Financial Services.

As soon as the payments started I put my account on auto-payment. Most, if not all of the loans ( I need to review paperwork to confirm ), were scheduled to be finished in XX/XX/XXXX. 
I haven't received monthly statements due to being on auto-pay. I recently received a bill in the mail for {$50.00}. This is less than the monthly payment I have been making since XX/XX/XXXX. I thought this would be a final payment and that is why I was receiving a bill. I called and they told me it was not a final payment. I received the bill as I " ran out of payments ''. When I asked what that means, I was told that I had made the required number of payments on the loans ( by auto-payment ) but that they hadn't been collecting enough to pay off the loans in that number of payments. Not only had they not been collecting enough over the last 10 years, but I still owe {$9000.00}. 
I have escalated this to multiple managers at Wells Fargo and they will not even call me back, much less explain how this happened. I do not know if it is legal to extend the length of a student loan due to not collecting enough, but it is unethical at best. 
That is beyond the fact that the company is ignoring my inquires on how to fix this problem. Again, I have followed up multiple times, and the last time I spoke to a supervisor ( XXXX ), she promised I would receive a call today with an update. When I didn't receive that phone call, I feel I have no other recourse but to contact you and hope you can help me.
I am working so hot .So open citi bank cheking account online. 
I make application on XXXX, citi bank sent email to me ( Thank you for your recent application on Citi Online or Citi Mobile for an account. Citi needs you to provide more information in order to open your account. Please click the Review Document link to provide the requested information. ) this is email onXXXX. I finish Document to them. 

But for some reason, the XXXX XXXX closed my checking account soon after. 
I called their department concerned to consult.They said they didn't receive my Document.Email can't be filled in OnlineI Don't understand. Why do they still have email to fill in for me? 

I hope to be helped to get a public solution. Thank you
American Express repeatedly makes soft credit inquiries to my account using multiple addresses. They have been asked to stop because I have a lifetime opt-out in place on my credit report. They refuse to abide by Regulation and stop doing it. They have acknowledged in writing that 1. I have no account with American Express 2. That I have been on the opt-out list for years. 

American Express claims that they " can not stop '' because they are automatic inquiries. They need to find a way to stop. This is the most ridiculous answer that I have ever heard. I can not believe that is an acceptable reason to violate Federal Regulations.
PNC put a late payment on my credit when we were trying to close on our house. We were not able to close for two months so my XXXX payment was late because the attorney froze my mortgage, we received a payoff from PNC plus an extension, now I ca n't get another mortgage & I am about to be homeless in two months. This was not my fault but somehow I need to fix it. I have a contract on a new property that I do n't want to loose. This is not fair to me as a consumer. I normally have great credit. Now it 's ruined. Please help
Disputed the inaccurate negative mark on my Experian credit report which Experian did not look at all of my supporting documents showing that the balance was paid in full. I sent in numerous documents that showed tenant total balance is XXXX  and they still reported the account as accurate. I also sent in emails from the Tennessee Housing Development Agency coordinators stating that I do not owe this debt but it was still reported. I need for Experian to look over all of my documents that I had sent to them XX/XX/2018 by U.S. postal service mail. I have disputed with all three major reporting agencies. XXXX  has updated my dispute to reflect this account is closed and is no longer reported through XXXX. I am still waiting for XXXX to complete their investigation at which time if my documents are not correctly investigated, XXXX  will be reported as well. I have several emails from my THDA   Section 8 housing coordinators stating that this debt is fraudulent and I should not pay it because there was no verification of money owed. It also states that if this is reported on my credit that I should pursue criminal charges against the property manager of XXXX XXXX. which I have in pending status Thank you.