WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted PHH mortgage on XX/XX/XXXX requesting an escrow analysis to be done because I was at 78.8 % loan to value. I wanted to start the process of removing the PMI to my monthly mortgage payment. I then recieved my escrow analysis and the company had made an error on the original loan to value ( which was {$170000.00} as of XX/XX/XXXX ), but the company had put the LTV as {$140000.00} as of XX/XX/XXXX, which then affected the overall LTV changing it to 94.10 %. I contacted them about this concern recognized there was an issue, but the customer service person could not just correct the issue without placing a help ticket. After 2 business days I logged into my account and noticed they had changed the LTV from the error of {$140000.00} to {$150000.00}, but again this is incorrect. I contacted them about this concern and still got the run around and was told I had to wait on the original help ticket and they would contact me within 5-10 business days. I still had not received a resolution so on XX/XX/XXXX I contacted the customer service about the concern they finally connected me to a customer rep in New Jersey who then placed another help ticket about the concern. He also pulled my scanned loan docs and could see that the original LTV was {$170000.00} and that a mistake had taken place, but was not authorized to make a change. He would have to wait until the help ticket was resolved. As of today I have sent another email in regards to this concern, I have not been followed up with from Phh Mortgage nor have they corrected the issue. I am very concerned with how to proceed forward. I felt as a consumer I needed to make a formal complaint about this issue. 
Back History : I had a mortgage escrow analysis completed XX/XX/XXXX. I was at 81.20 LTV. I have the documentation that was sent. I knew I was close to being at 78 % LTV in XXXX and that 's why I requested another analysis. On the XX/XX/XXXX payment my PMI would have been automatically removed. I have not refinanced the loan. I only did a rate modification in XXXX. I do n't understand how my LTV can just change.
I signed up with XXXX XXXX/XXXX/XXXX. After getting XXXX three times in two months from this gym I complained to the manager and they canceled my account and credited me the amount that was charged to my account. Over the past four years I have canceled my credit card and have been issue new cards with new numbers at least 2 times maybe more. I do this whenever their was a major data breach with any of the companies I have done business with. I typically to not go through my credit card statement with a fine tooth comb, I glance through it, making sure nothing major is sticking out every month. After the XXXX XXXX ordeal I decided looked at this month statement a lot closer and noticed I 'm being charged {$65.00} per month from XXXX XXXX. I contacted the gym to inquire about the charges. They were shocked I have been charged and advised me to contact my credit card company. I contacted my credit card company and this is what I was told. Regardless the amount of time I have canceled my card in the past few years and had new numbered card sent in its replacement if their was a merchant who has been charging me every month they will continue to allow this charge as a service to me regardless of the canceled card. If I have ever done any business with any company in the past with any of my canceled cards they will allow the charges to go through. ARE YOU KIDDING ME? 
What is the point of canceling the card? 
I was advised I should hire someone to go through my credit card statement every month if I 'm worried about the charges. 
Year to date for XXXX I have spent $ XXXX so far on this card I average $ XXXX a year on this card and pay it off every month. For me to go through every charge every month will take hours and hours of my time. 
The whole reason of canceling a card is to stop unauthorized charges form continuing to happen. I asked them to provide me the contract by where I agreed to allow them to allow charges to my canceled card. They do not have this agreement. 
I requested the agreement by where this merchant was allowed to charge my current account? They do not have this either.
I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me.
On XX/XX/2016, at XXXX p.m. I submitted a Request for Mortgage Assistance to Select Portfolio Servicing for a HAMP Tier II loan modification. To date I have not received any correspondence from SPS regarding the status of my loan modification. For over 3 months, my loan application was not processed in a timely manner, if at all. This is a direct violation of the Federal Mortgage Servicing, National Mortgage Settlement and a direct violation of the California Homeowners Bill Of Rights. I was not given due process as my application was never reviewed and the results were never communicated to me.
On Thursday XX/XX/XXXX, I called fifth third bank to activate my online banking account so I could access it. At first I went to website and it asked for my pin. I never set up my pin so I was forced to call the bank. I was transferred three different times and the last person I spoke to was XXXX the credit card specialist. He listened to me and said he would put me through an automated system to pick my pin. That transfer ended up bringing me another queue and at that point I hung up. This all occurred between XXXX-XXXX. All I want from this a temporary id/password as many many many other companies successfully do and I'll be on my way.
Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.
I receive calls around XXXX on a XXXX basis. When I pick up the phone, no one is on the line. When I call the number back, the operator is reluctant to provide their name, the company name and they hang up before I can get the company address.
I am beyond exhausted with all my efforts to resolve this matter with ability to recovery for a number of months. I have gone back and forth trying to find a solution to remove this account off my consumer reports, but with no response. I have been advised to contact an attorney to file suit for damages, that I am entitled to under the FCRA. I have absolutely no knowledge of these derogatory marks on my report. This has been completely devastating to me and my family due to the fact that I am homeless because of how this is affecting my credit score.
1. Unauthorized inquiries on my credit report on XXXX, XXXX, and Experian. I can only provide images of XXXX, and XXXX inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3.  Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors
Ive sent out certified letters to XXXX XXXX XXXX for a collection account thats reporting {$840.00} of false debt!! I have never received any info on this debt! They will not respond to my letters! maybe because their physical address theyre reporting is a non deliverable address and so I have sent letters to their P.O. Box and someone has picked them up but Im afraid that the P.O. Box is someone elses and now they have my SS number and full name as well address!! The post office screen said INVALID address for their physical address!! I wasnt aware of this on my credit until This XX/XX/XXXX! all this time this false collection company is reporting inaccurate information!! Ive asked for documentation with my signature but have yet to receive anything!!
On Tuesday XXXX XXXX I called an XXXX with a customer service representative and informed that I would n't be able to make my payment due to financial issue and I would make up the payment on my next due date which will be XXXX XXXX, 2017. The representative told me that would be fine and I should n't have anything to worry about, so on XXXX XXXX, 2017 this company attempted to take payment out of my account not once but twice after I informed that the funds would n't be available, which caused my account to go into the negatives and forced me to close my bank account. On today I spoke with a very rude representative at the customer service department, she was very rude, called me a liar and informed me that they would still attempt to take funds out of an closed account, along with contacting my references after I asked to have them removed. The rep hung up on me after requesting to speak with a manager. I also think the interest rate that they charge is absurd, ridiculous and illegal. The interest rate is at 285 % I 'm paying more than what I borrowed. I wish to not be contacted by this company again. Or I will seek legal actions!
My son had a student loan with Wells Fargo. I co-signed the loan. My son settled the debt with Wells Fargo and {$14000.00} was the total amount of debt discharged ( written off ) in the agreed upon settlement. For tax purposes, Wells Fargo issued both me, and my son, a XXXX COPY B FOR BORROWER/DEBTOR that requires us both to file with the IRS, meaning we both must pay taxes on the same {$14000.00}, paying double tax. 

After speaking with 3 tax advisors and an attorney, I was told that as a co-signer, I should have received the XXXX COPY C FOR GUARANTOR. This would not require me to file this form with the IRS, as my son would file and pay the taxes as the " Borrower ''. 

Wells Fargo, in issuing 2 " COPY B FOR BORROWER/DEBTOR '', is thus able to report double the amount of money as written off or discharged. This is illegal, unethical, and unscrupulous. I'm sure I'm not the first one to whom this has happened. 
I've spoken with XXXX people at Wells Fargo - 2 ignorant, and the 3rd obstinate who are unable, or unwilling to correct the second copy and re-issue as a XXXX XXXX XXXX
Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, XXXX XXXX XXXX
Cash Central cont to auto withdraw monies out of my checking acct when debt has been paid lastcontact i was told last pymt is XX/XX/2018? Ihave to pay XXXX $ for a XXXX. Loan? Pls help me. XXXX
I was contacted on XX/XX/XXXX at XXXX XXXX by XXXX XXXX XXXX '' with the XXXX XXXX XXXX XXXX  from XXXX. He stated that he was trying to collect a debt for XXXX College for XXXX He stated that he was a lawyer and that his client was XXXX XXXX XXXX He stated that they have mailed letters to me that I have never received. He told me he wanted to give me a courtesy call to let me know that they will be suing me, and garnishing my wages and/ or tax return if we could not setup a payment arrangement today. I proceeded to tell him that I am unemployed due to a major car accident onXX/XX/XXXX. I had XXXX XXXX and can not work at the moment. I lost my previous job due to the situation. I have documentation. After I tell him that they will have to proceed with the case, then he gets agitated and demanding that I pay the money or lose my taxes. I told him that I am a single mom and anything that I get back from taxes would go towards helping our living situation. I still proceeded to tell him to go ahead with the process, due to the fact that I still do not have the funds. I asked would I get correspondence when a court date is in place. I told him I would get a lawyer. He laughed and told me that I can not afford one or to file bankruptcy. He also had information about my other open accounts and laughed about my amount of debt. I told him that in my city we have access to free legal aid and lawyers based on income. He stated that he would ship out the petition today. He as very rude and degrading me and my situation. I have never experienced that with anyone that I owe. I have other accounts and the staff has never treated me like this. After the phone call, I XXXX the law firm and the number. I did not find that law firm anywhere. I found XXXX XXXX XXXX in NY and XXXX XXXX. The law firm in XXXX XXXX had a XXXX XXXX, not XXXX XXXX. I know that some debt collectors may impersonate lawyers to collect the debt, but that is a criminal offense. Also, when I XXXX the phone number it was in a list of other numbers registered to XXXX. I also know that he can not sue me in another state without hiring another lawyer in my state, because it seems like they are out of my state or country. Please help. I am doing the best I can trying to get back on track after this life changing experience. I do not appreciate being degraded and harassed.
Coinbase will not validate my bank account in the XXXX so I can transfer money back to myself. I have transferred the required Euros, with all the correct references, to Coinbase 3 times and requested validation on a daily basis for months.
I have XXXX acounts on my TransUnion credit report that shows XXXX XXXX # XXXX show 60 days past due but it has been paid off and closed. The Status should say Paid off and closed instead of 60 days past due. The other account is XXXX XXXX XXXX is showing the same thing. Pay status should show paid off and closed as wel
RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. 

I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. 


All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. 


Please help since there people are taking advantage of me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I enrolled in a payday loan debt consolidation program eliminatepaydayloandebt.net XXXX Payday Loan Debt Relief XXXX in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after Payday Loan Debt Relief withdrew {$400.00} each month for XXXX months. I was promised a closure letter and finally received it XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted XXXX and they state they have not received any payment.
My father XXXX on XX/XX/XXXX. I became responsible as a personal representative for his estate. Citimortgage was the mortgage company for my father from XX/XX/XXXX to XX/XX/XXXX. I requested documentation of his payments and sent in the necessary documents twice. I asked for a detailed account summary of his payment and fees within the 4 years that Citimortgage had his account. The mortgage company representative told me that they could give me records that span 7 years back from the time my father had an account with Citimortgage. I have only received 2 years worth of documentation XX/XX/XXXX-XX/XX/XXXX. I am requesting XX/XX/XXXX-XX/XX/XXXX. I have yet to receive the information.
There have been a multitude of problems with this account. First the most important is that for 1 year they have not fixed the issue of applying funds correctly which is about   XXXX   in funds they did not apply as requested and applied to fees I disputed and have proven to them multiple times I did not owe or were paid to previous servicers in the past. Previous servicer mishandling of funds is something the servicers need to handle and with one that went out of business and was involved in the class action lawsuit CFPB filed against them for fake forced placed insurance and another that I am in class action lawsuit against for misdated paperwork causing harm. Now also the latest with BSI and all is attached for for proof. I had sent in a payment of  XXXX  and told them to apply the   XXXX   in unapplied funds they had on there to complete the payme nt of    XXXX  . They did not do that but is was specified on payment coupon and also faxed them copy of what was supposed to be done on  XXXX  XXXX /17. On  XXXX / XXXX /17 as soon as I saw that they did not apply correctly I called   XXXX  . I requested the funds be applied correctly. The Customer care rep said she could not help me and transferred me to   XXXX   XXXX   to my contact   XXXX   XXXX  . I had sat on hold for 12 mins and previous to that call sat on hold for another 15 mins. Now   XXXX   XXXX   who was supposedly my contact has never once contacted. He never returned my phone calls. Then on  XXXX  XXXX /17 a letter that was delivered on  XXXX / XXXX /17 all of a sudden changes my  SPOC  to   XXXX   XXXX  . I requested someone call me so that I make sure payments applied correctly and if they were not going to apply the  XXXX  and  XXXX  correctly which is attached they need to stop reporting delinquent. They are over {$6000.00} funds applied to bogus fees I have never agreed to applying my funds too and that is attached. This account should not be 101 days delinquent. The games that BSI plays is astounding. CFPB there are over 1000 complaints about this company when are you going to do something. This is not a one person issue it is thousands being abused here.
I had my loans through GreatLakes.org initially. It has recently transferred to XXXX. 
It's been 10 years since graduation and I have been paying faithfully every month. At no time was I told about the Public Service Loan Forgiveness Program by my lenders and they never mentioned consolidation of my loans until I phoned and asked. 

About 5 years ago, I tried to apply for PSLFP with Great Lakes and was told I did not qualify. They did not offer to consolidate my loans of inform me of any of the terms of the program. I thought it was a scam! 
Recently it came up in our office again and I reapplied and got my application forms filled out by my employer and sent to XXXX XXXX. When I followed up with a phone call they told me I needed to consolidate and this would set the clock for 10 years from now! 

I am nearly finished paying my loans, but it would have been nice to have that information 10 years ago when I graduated. Hope this helps.
I took out an auto loan with XXXX XXXX on XX/XX/XXXX. The account closed on XX/XX/XXXX. I had been making perfect on time payments up until an incident that left me hospitalized, and out of work for months. I tried contacting the loan company to inform them of the tragedy and request some sort of accommodation. The customer service reps had no mercy to my situation. I fell under hard times. It was either medication, or a vehicle I couldn't use.
Sunshine State Credit reported me 30 days late when I was not. They told me to dispute with you and then they will correct it on their end when they get complaint from you.
Portfolio Recovery is a XXXX company! They have had two accounts on my report, one was removed and another will be and now they are digging up another supposed account that they havent contacted me about in forever. Again not an account I owe ... these people are trying REALLY hard to get money out of me! Crooked crooked and even more crooked!!!!! Funny enough I see one of the accounts was deleted and yet in their last response they still have THREE accounts listed!!!!!!!!!!!!
The HELOC 5 year draw period was due. Current average payment of HELOC was {$340.00} per month. All financial forms that were required were faxed to TD Bank as requested on XX/XX/XXXX with confirmation of successful fax. A letter was sent from TD Bank dated XX/XX/XXXX stating the HELOC was not approved with increase in payment to {$1000.00} per month. Local XXXX  TD bank was called on XX/XX/XXXX and XX/XX/XXXX with local bank unable to confirm why the long standing HELOC was denied and repayment of {$1000.00} required. They stated they were unable to review reasons for denial. XX/XX/XXXX TD customer service was called at XXXX. Customer representative, XXXX, was unable to give a reason for the denial of continued HELOC stating " phenomenal credit score ''. The number to the renewal team was given on that date by XXXX  with call made onXX/XX/XXXXand left message. Unfortunately, despite the TD bank recorded message that all calls would be returned within 24 hours no response from the renewal team has been returned one month later. My, DPOA, daughter went to her local TD bank in XXXX on XX/XX/18 and spoke to assistant manager who assured her that she would be contacted the next day. She was not called with an explanation as stated. No call was made. A call was made to the assistant manager in XXXX  on XX/XX/XXXX with message left and still no return call. After completing a customer service form on line for TD bank a phone call was finally received from TD bank. The representative stated that a modification had been arranged with repayment decreased to XXXX. When questioned why a XXXX, XXXX y.o. widow, with phenomenal credit score, increased income over the past five years and no additional debt was not again renewed for HELOC the response was there must have been changes with XXXX XXXX  or XXXX XXXX. When questioned what the new rules were compared to five years ago the response was " I don't know ''. I am still awaiting an answer as to why the approval did not go through. Again, no late payments, phenomenal credit score, increased income. Only change over the past years was the age of the applicant.
sale date XXXX XXXX notice from pennymac they say XXXX XXXX 2016 talk with XXXX XXXX and XXXX
The year XXXX of this year where my information was stolen from different sources that uses XXXX and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
I 'm trying to work with navient to lower my payment but they refuse to work with me. I have no way to pay the amount they set for me, and the interest is acumilating every month. Please help me.