WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX and XXXX XXXX applied for a modification with PennyMac mortgage and they received the modification however, the value of the home is {$210000.00}. The modification is for {$510000.00}, which PennyMac told us that we could refinance after 6 months of on time payments. We met the 6 months on time payment on XX/XX/XXXX but PennyMac did not keep their end of the promise. We were told that {$220000.00} was written off, that is it, and that is all. " You and XXXX XXXX do not qualify for a refinance and we are not writing off any more of your loan ''. My husband gave me a XXXX XX/XX/XXXX and now my husband has been diagnosed with XXXX. We need PennyMac to refinance our house because my husband medicines along with my medicines are costly. We do not want to lose our home but we do want PennyMac to work with us to keep our home. We have also gone to the Illinois State Attorney. The solution has not been reached with the Illinois State Attorney but the Veteran Administration told us to write to CFPB for help. Yes, my husband is a US Veteran.
Trans Uniion has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.
In XXXX this year Bank of America sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use XXXX XXXX Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use Bank of America 's automatic payment services, but each time it has rejected my checking account from XXXX XXXX. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else XXXX up and I have to pay for it?
I get a phone call from XXXX XXXX from Summit Receivables. They tell me that my check has been returned from my bank. I have not written them a check. She says she is going to turn it over to her INF team to collect. I do n't know what this is about. She asks me to call XXXX.
There is a Chapter XXXX bankruptcy listed on my XX/XX/XXXX Equifax Credit Report. This bankruptcy was not on the Equifax report between XX/XX/XXXX and XX/XX/XXXX. I was never notified that there was a change, and that this bankruptcy information would be placed on the Equifax report in XXXX ; it just reappeared with no explanation from Equifax. This action is illegal! In addition, the bankruptcy notation has been disputed to XXXX and XXXX because the bankruptcy court does not provide any information to the credit bureaus regarding bankruptcy. There is no law or standard that supports credit bureaus or XXXX XXXX placing bankruptcy filings onto consumer reports.
I have had numerous fradulent charges on my account from the past month. I addressed this with them as soon as I was aware of the charges. To date they 've only removed 3 of the charges and There remain for charges totaling almost {$200.00} 3 weeks later which have still not been remove. I called them again yesterday requesting these charges be removed. The person I spoke to help me verify that I wanted to remove those charges as being fradulent. I again stay that yes they were fradulent charges and I want them removed for a second time I made this request. Today the charges remain on my credit card and I 'm beginning to get close to bill payment date. So I 've been trying to get them to resolve this so I do n't have to make a payment to avoid problems with crediting.
Key 2 recovery was hired by XXXX XXXX to collect a debt. Key 2 recovery added {$1600.00} to the balance stating that's what they charges and so that amount has to be paid. They are now reporting to the credit bureaus
I logged into my US Bank checking account in the morning, saw pending transactions that required a deposit. I made that deposit, yet the next day an additional transaction was posted that still caused my account to be overdrawn. Because that unseen transaction was processed first, instead of last, US Bank was able to charge me an overdraft. The next day, I follow the same process and make a deposit to cover all pending transactions. Sometime well after I logged in, the overdraft from the previous day is posted to my account, again allowing US Bank to charge me an additional overdraft charge. 

My concern is two-fold. 1. US Bank is intentionally processing transactions in an order that allows them to charge overdraft fees, instead of in an order that is best for their customers. 2. US Bank is not posting their actual overdraft fees until late in the day, after most people have checked their account for the day. This approach allows them to then catch customers with minimal funds with not enough cash to cover that days pending transactions, because of the overdraft fee is processed before any of the pending transactions. Had the overdraft fee showed in the morning, I could have ensured enough funds were in the account to cover that as well. 

Lastly, and maybe most frustratingly, I spoke to XXXX ( employee ID XXXX ) at XXXX XXXX, who when we could n't come to an agreement, refused to escalate my call. He insisted that US Bank did have an escalation line. Then refused to transfer me there, saying they were n't open. When I asked why, he said due to call volume. At that point, I asked for the phone number, so I could call back later and he said that they would not be available at all that day. I asked why, and he refused to tell me. I then asked to be escalated to the next level manager and he also refused to do so. So, XXXX gave me no opportunity to escalate at any time. Either US Bank does not have the appropriate escalation options for their customers, or this employee denied my request to speak to them. He did state that the calls are recorded, so this should be easy to find and review. I was not abusive and did not yell, but I was frustrated and hope this can be addressed. I would appreciate receiving a call from a US Bank representative if possible.
I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing  fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX   to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you
I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX XXXX XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which Exparian ) are 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX ). I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.
To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under Paragon Revenue Group.

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance.

*Please note this account has been removed from my XXXX credit report , I am requesting for it to be removed from my XXXX  credit file as well.
My bank accounts at Trustmark bank have been compromised. I have sent a complaint concerning one of my checking accounts and I need to add the other " High-Yield " account as well. I have attempted to reconcile these matters with the bank, on several occasions without any resolution. I am a victim of Identity Theft which I reported to the FTC. I have also reported the bank account breaches to the FDIC. My E-mail has been compromised. I have never had an internet account for any of my banking accounts. I never use on-line banking.
earlier on in the year of XXXX, I filed a complaint with you regarding the servicing of my loan from SpServicing. Reference case # XXXX. They were clearly not honest with there response to you regarding my XXXX payment and the final loan modification. I will attach all of my documentation including bank statements for the entire year of XXXX and the trial modification and the final modification. I also have a letter from them dated XXXX XXXX that my final modification was approved. The XXXX payment which they claimed, I did not make, was one of the 3 trial payments of which I phoned in XXXX, XXXX and XXXX payment on XXXX/XXXX/XXXX. If I did not make my XXXX payment, how would I have been approved for the final modification as outlined in the trial modification? Once the final modification was approved, everything escalated from that point. Accusing me of not making payments and no one could tell me which payment was not made. I have had XXXX in XXXX and could not handle all of this along with my health problems so I retained an attorney after I received your response from SpServicing and their response as well. It also appears that they are not applying the payments correctly to the PITI as outlined in the trial modification and the final modification. I am reaching out for your help again to protect me as the consumer with the servicing of this loan do be done in accordance to the trial and final modification. They are also threating me with notices of default every month. How can they do this when all of my mortgage payments are made on time? You will be able to see this as I am attaching proof of payments for the entire year of XXXX. This mortgage company also will not let my attorney speak with their attorney and a manager does agree that I have a modification, but they have yet to honor it. My attorney is also getting frustrated with them and he now knows that all of my complaints about this company and the servicing of my loan are valid. He as well, has a copy of my final modification and proof of all of my payments.
On XXXX XXXX 2016, I paid off the balance of my account of XXXX . At that point on XXXX XXXX I had a XXXX balance on the account. 3 weeks later, there was a finance charge assessed to the account of about XXXX . Thinking I had paid this off, I did n't use the account again and put that cred card in a drawer. 5 months later I get letter in the mail saying that they were closing my account and it was past due XXXX . They kept penalizing for a residual finance charge. I was never contacted about any sort of late payment by phone, text or email Every other credit card company I have ever dealt with has always contacted me and to let it go 5 months with out contacting me is crazy! Not only that but every other credit card company waves residual finance charges. I 'd have been more than happy to pay the XXXX finance charge, but they did n't inform me that they made a charge to my account ... by even something as a statement.
I just received a response from Professional Credit Analysts. They are refusing to remove a item from my credit file and outwardly being rude to me. I feel a investigation should be done on this company. They Stated that they provided all information I asked on them through PDF files. They did not. Bill of sale or some type of chain of title. I feel I am under no contractual obligation to this company. There is no contract. They need to show me the contract. This company I am very leary of. I really wish for the CFPB to look into this company further.
Client is wanting to save her home and has the means to do so - the loss mitt package was submitted to the lender XX/XX/2016 - 7 days prior to the sale date of XX/XX/2016 - the lender is not postponing sale to allow the review, they are now in violation of XXXX
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, TransUnion & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.
First Advantage ran a background check. The information they retrieve was inaccurately reported to the employer XXXX, XXXX. They stated that they contacted XXXX County State Court about a XXXX XXXX  charge on XX/XX/2018. The sentence reported was {$720.00} fine and 12 months probation with a plea of guilty. However, my records and the court reports report that the plea was {$720.00} fine and 12 months probation with a plea of nolo contendere. Which means that this charge is not an admission to guilt or innocence and I do not contest the charge.
I have a current loan open with Total Finance out of XXXX. I am having some issues as far as harassing and extremely demeaning treatment from multiple representatives there. And every time I have tried to speak with someone in management I have been hung up on. My XXXX is not very good, and I am thinking that maybe that is why I am being spoken to that way. Today XX/XX/2015 I called to place my son on as POA, so that he could better understand them so we could clear up any further issue they may have, which I will explain their current issue in a moment. Instead of being helpful, my son was yelled at and ridiculed as if he was not smart enough to handle the matter. I am now beginning to have anxiety about the treatment and with no manager to ever get on the phone, I do n't know who to turn to. 

As for the issue they are having, of course I keep a current loan with them, and I do fall behind from time to time. I have been paying for over XXXX months, and yes I have been late several times, but my intention is to pay always on time. My issue is that they are calling my sister and mother with the same type of harassing demeaning approach. Please I need help on what to do.
A debt collection company Known as Credit & Collection Recovery Services, INC. also known as XXXX called me and was very rude and harassed me. They said I have two accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.
Hello, Once again I am complaining about Ocwen and their services and ways to try get you kicked out of your home. I have written multiple complaints about them XXXX us up on our escrow and how they miscalculated. Well we are currently 2 months behind, not 3, 2 and I went the make a payment via online but was refused, so I called. Well I spoke with mulitple associates, one being a XXXX number XXXX and he advised me that we are 3 months late and we can only make a payment via XXXX XXXX, bank wire, and or cashiers check. we need the total amount of {$3500.00} +/- some change by XXXX tonight. Well back in XXXX our monthly payment was {$1300.00} and so we made a payment in XXXX for {$1300.00} but it was suspended on our account, the money was taken from our bank account mind you but it was suspended so it makes it seem like we are behind a month. We owe for that month {$260.00} that we were short because they raised our payment due to the escrow. Well we have been late every month and today again I go to make the payment and now they wo n't take it. My question is why they are holding that payment, they say because it was n't in full, but it again was due to the escrow problem. The point is I made the payment and we are only technically 2 months past due, not 3 as they are implying. They will not help us financially, they wo n't re-modify us, they did lower our payment from the multiple complaints I have made with the CFPB regarding the escrow, but only {$40.00}. So why ca n't we pay our bill!! It 's not our fault they XXXX up our escrow, not {$40.00}, but more like {$200.00} extra a month! I have enclosed a copy of our payment history and they suspended payment is on there. We have had one payment reversed but that was due to a closed checking account, but it was paid within a day or two. I just want to make my payments, affordable payments, and stop the constant paper trail of false commitments from Ocwen stating they will help us and they keep denying us help because of our investors!! Also making us pay for the postage!!! 
In conclusion, we just want to make our payment and try to get ahead, but affordable payments. Acct # XXXX Thank you XXXX XXXX