WillisBack/dataset-financial-user-claim huggingface dataset:
penny Mac loan services where I have my mortgage place on my credit that I missed five payments -which is NOT TRUE! I WAS ALWAYS CURRENT - I had a hardship my wife had a back operation and I am XXXX living on XXXX XXXX filed for a Modification with them and they gave me XXXX which drop my payment from {$1100.00} to {$1000.00} which did help me a little. Then they placed placed this on my credit missing all them payments which is a LIE! I was always current just needed some help and still current on my payments, I talked to them and they refuse to take this off my credit, this is unjust - I was never told that this would happen if I was told I would have never had a modification in the first place. Please help -I 'm a XXXX XXXX going through a hardship this will help my credit if this was taken off -I believe it is a crime for what there doing to me - Thanks for helping - XXXX XXXX
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
On XX/XX/2018, I noted two checking/saving accounts and two credit card accounts, which do not belong to me, show up on my Bank of America ( BOA ) mobile App, and I have full access to these four accounts. I reported the incidence to BOA, and BOA start a claim case on these accounts and put them on hold. 

On XX/XX/2018, my own checking account was placed on hold by BOA, the two checking/saving accounts I reported was still active and I still have the full access to them through BOA mobile APP. 

On XX/XX/2018, I called BOA again and let them know they hold the wrong account and was told as the department who hold my account does not work during the weekend, they can not lift the hold. 

On XX/XX/2018, I called BOA again and I was told I have to visit a BOA location with my legal IDs. Then I visited the BOA location at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was informed by the relationship manager there that BOA wrongly merged my customer profile with anthoer customer, who shares the same name with me but lives in a different state, on XX/XX/2018. Because I called on XX/XX/2018 to report the four additional accounts in my APP, this customers account was on hold on XX/XX/2018. As a result, this customer visited one BOA branch, BOA then unhold her/his accounts, terminated my claim case under her/his name and put a hold on my account on XX/XX/2018. I provided the relationship manager at BOA XXXX XXXX location copies of my official IDs and she sent them to an analyst ( XXXX XXXX XXXX XXXX Department ) to prove that I my the legit owner of my checking account. 

On XX/XX/2018, my account was still on hold and BOA still has not separated my customer profile with the other customer, I still have full access to her/his two active BOA checking and saving accounts. I called BOA customer service again and was told though I provided all the documents and it takes XXXX business day for the analyst to review my case. 

On XX/XX/2018, my account was still on hold, I still can access the other person 's BOA checking and saving accounts, and I did not hear anything back from BOA. I was informed by my credit card company that BOA cancelled my payment I made on XX/XX/2018 ( the day I report the case to BOA ). I again called BOA customer service to follow up my case and was informed by XXXX from the billing dispute deparment at FL, they can not provide me any infomration on my case unless I go to a BOA branch.
i WAS TRICKED INTO USING WATCH-GUARD PREFERRED FROM CITIBANK N.A . FOR SEVERAL YEARS. I NEVER WANTED IT. PLEASE GIVE ME A REFUND FOR MY MONTHLY FEES I PAID FOR SEVERAL YEARS. I NEVER GAVE CONSENT TO HAVE THIS FEE PAID FROM MY CITBANK N.A. ACCOUNT. THANKS.
This complaint documents my experiences with Wells Fargo bank regrading a VA mortgage loan in XXXX 2008. I write this complaint to show that Wells Fargo practices of forcing unwanted accounts on consumers goes further back than originally reported. My application was filed and processed in XXXX XXXX, TX during XXXX 2008 for a primary home in XXXX XXXX, Texas. There were no issues with the approval or loan processing until after closing on XXXX XXXX, 2008. I am a XXXX XXXX veteran and was receiving XXXX XXXX compensation as a direct deposit to my XXXX Bank checking account. I used employment earnings to pay the mortgage from another bank checking account and I used the XXXX checking account to pay-off credit card debts. However, my XXXX 2008 XXXX XXXX check was not deposited to XXXX Bank as it had been for many years, and I received an overdraft notice from XXXX Bank. It took many phone calls to XXXX Bank and the XXXX to learn that my XXXX XXXX check was deposited to a Wells Fargo checking account I did not authorize and did not know I had. The Wells Fargo account was opened without my knowledge or consent and my XXXX XXXX check was diverted from XXXX Bank to Wells Faro Bank by person 's unknown at Wells Fargo to this new account without my knowledge or consent. It took two months for the VA to process another direct deposit request and return my XXXX check to XXXX Bank. The bogus Wells Fargo account showed up on my credit reports until I partitioned Wells Fargo Bank to close the account and remove records from my credit reports. This loan has since been paid off and the property sold.
I didn't authorized / authorization viewing of credit report " INQURIES ''!!! 
( Identity Theft Victim / Equifax Data Breach ) Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
On Tuesday XXXX I talked to a representative with Conn 's and informed them that I was going to be paying the bill on Friday XXXX  and asked them to please stop calling me or at least lower the amount that they call me. They increased the amount of times that they called me to 4 phone calls and 2 text messages every three hours. This is unheard of and uncalled for. When I called and asked them to please stop calling me, the rep hung up on me and I received another call within a hour. I am now having to turn off my phone because of Conn 's. I am within my grace period and have made a promise to pay. There is no reason for this abuse!
I am in the process of purchasing a home and my student loan payments are showing 90 plus days late but it not showing any 30 days late. You cant be 90 days until you are 30 and 60 days late. I would like my payments posted correctly. I am trying this first before paying someone hundreds of dollars to do this. I had loans with the Department of Education and Navient now and they are both reporting incorrectly.
This is an on-going problem affecting thousands of students that are now XXXX. The XXXX offers grant money to students who want to be XXXX in XXXX, but the loan servicer responsible for managing this grant ( FedLoan Servicing ) is rampantly abusing this program and wrongly converting thousands of grants into loans for their own profit to benefit scholarships for students in Pennsylvania. They are converting 80 % of grants into unsubsidized loans, and they are doing this intentionally. There has even been a XXXX investigation about this. There have been several articles written about this situation, XXXX of which include information about my specific case : Article 1 : XXXX XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX A simple web search will also show you numerous XXXX / students complaining about being ripped off by this program with no relief. 

Facts in my case : 1. I perfectly fulfilled ALL the terms of my XXXX Grant, completing XXXX ( XXXX ) years in a qualifying subject area and a qualifying XXXX. 
2. FedLoan Servicing converted my XXXX Grant into a loan based on a mere technicality when they received my annual certification paperwork a couple of days late, despite the fact I had met all conditions required for this grant. 
3. FedLoan Servicing acknowledged in the XXXX Office investigation document XXXX XXXX pages XXXX ) that they did NOT provide the full 30 days required by law because they started the count from the time they dated the letter rather than from the time it was mailed or received by me. I received your letter two weeks after it was dated. 
4. They summarily denied my appeals in this matter with no explanation and would not tell me who conducted the reviews for these appeals or how they were conducted. 
5. In good faith, I repeatedly called and talked to a wide range of people and got nothing but the runaround and gruff treatment from their representatives. ( There are myriad stories posted online about people who experienced the same. ) After being assigned an ombudsman to help resolve this problem, the ombudsman did nothing to help and failed to return any of my phone calls. 
6. I believe they are deliberately converting XXXX Grants for profit and have no intention of honoring the spirit or intent of the XXXX Grant program. I believe they are committing fraud and theft under the thinnest veneer of legality. 

I have contacted my XXXX and a XXXX, and no one has been willing or able to help. There is something truly sinister happening with this. I am currently working to create a class action lawsuit about this. Please do n't dismiss this ... if the CPFB exists for any higher purpose, THIS is something you will find to be worth your time for investigation.
Central states Recovery has been contacting me at work and when asked no to the lady her last name was XXXX told me she would call me as often and as much as she wanted at work ... this started happening on XXXX XXXX 2015 when I told her to call me after hours when I am not at work and had no problem talking to her at that point. She told me if I did n't talk to her when she called she would sue me. I told her do not call me back at work and hung up on her she immediately called me back and asked to speak with HR department when I told her we did n't have XXXX she said Yes you do. I asked her again not to call me during work hours and she immediately called me back again then called again on XXXX/XXXX/2015 then the weekend went by ... I did n't get the time to call her before XXXX on Friday the XXXX.The calls started again on Monday the XXXX again she was told not to call during work hours. then on Tuesday the XXXX she called again I took the information down and called back at XXXX I reported how she treated me and requested a different collector. she then again started calling me at work on the XXXX and again I asked her not to call me at work she replied that she will call when she wants I told her that my employer has requested her to not call me at work and she said " well your employer probably doesn, t know you owe XXXX dollars either. It is none of my employers business what I owe. I hung up on her. She then called back and talked with my boss asked for the address and HR of my job.. I called to make a complaint to CSR and the refused to let me speak with a manager. I was put on hold and then I hung up because I am at work I can not be bothered by this I told her I called back on the evening of XXXX and she said NO YOU DIDNT ... I AM BEING BOTHERED BY THIS DAILY AND CAN NOT AFFORD TO LOSE MY JOB DUE TO THEM HARRASSING ME
On XXXX XXXX, 2017 I scheduled a payment from my online banking bill pay service ( XXXX XXXX XXXX ). The payment, in the amount of {$410.00}, was debited from my account on XXXX XXXX, 2017. I received a call on Friday, XXXX XXXX, 2017 from Santander Consumer USA advising me that my auto loan was 16 days past due. I told them that could not be the case and that I could see the payment being taken out of my bank account. They advised me to contact my bank. I immediately called my bank and spoke with a bill pay representative who advised me that the bill payment was sent and she e-mailed me a copy of the check that was sent to Santander Consumer USA showing they deposited the check into their bank account. I called Santander Consumer USA bank to let them know and ask if I could e-mail them the copy of the check. They advised they are unable to accept e-mail and requested I fax the document. It 's 2017, fax machines are becoming a little rare, but I was able to fax the document in on Saturday, XXXX XXXX, 2017. I  spoke with Santander on XXXX XXXX and was advised no fax was received and to allow 24 hours for the fax to be processed. I called back on XXXX XXXX and was advised still no fax was received. They asked me to fax the document again and to allow 24 hours. I feel that I 'm being scammed and taken advantage of. I have attached the copy of the check to this form.
Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX  account since XX/XX/XXXX. Debt does not belong to me.
multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

innovis XXXX XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685.      In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited  to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments o n weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal . 685.211  Miscellaneous repayment provisions. ( a ) Payment application and prepayment.  ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary  applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.  ( 2 ) A borrower may pr epay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX     XXXX  Very truly yours, /s/  XXXX   XXXX
I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well.
On XX/XX/XXXX, my report shows two separate inquiries made by Embrace Home Loans and XXXX XXXX from XX/XX/XXXX, which I did not authorize. Today, XX/XX/XXXX, I called XXXX XXXX  and the gentleman informed me that they were authorized by Embrace to run my report to see if I qualify for a home loan, which I am not currently looking to purchase. When contacting Embrace Home Loan, I attempted multiple times to call from my mobile phone and called three different numbers in which the message stated the numbers were all disconnected. I then called from my work landline, and finally got through. The young lady I spoke to stated the company looks up random names, research their information and forward it to a credit company for approval odds and should not post as a hard inquiry on my report, it did. She then forwarded me to their specialist which did not answer my call to see what can be done about removing the inquiry. These inquiries were just posted to my report and affected my score. It is unacceptable for any company to run a report for approval odds of any kind without authorization.
Due to multiple issues involved with my poor credit or lack of credit, in connection with building my credit worthiness, I signed up for the Experian 's Free Credit Works account. 

I was able to finally finance a new car, but needed to have some information updated that was causing a negative effect on my life. So after I had information updated and paid off the only credit card I ever had, I decided to look into ways to monitor my credit through Experian. 

After using their website and app, I signed up for a free 7 day trial for " Experian Credit Works 3-Bureau Credit Report and Fico Scores '' account on XX/XX/XXXX. 
I did n't cancel the service because I was learning more on how to improve my credit score and really liked the way I could monitor the activity, which updated daily. It also showed me different ways of how my score could be impacted negatively and positively. 

XX/XX/XXXX charged XXXX for the monthly service fee to use their 3-Bureau Credit Report/Scores. 
XX/XX/XXXX Charged XXXX XXXX Charged XXXX XX/XX/XXXX Charged XXXX, then was unable to access my account. When trying to log on, account said cancelled. 
XX/XX/XXXX Charged XXXX still unable to access account XX/XX/XXXX Still unable to access account XX/XX/XXXX Charged XXXX and still not able to access account. 

Contacted customer service and was able to get back into my account after an hour on the phone with the representative. After a couple of days again, I had no access into my account that I had paid for. 
Due to other issues in my life, in addition to working, going to school, and trying to keep a roof over our head, I did n't have time to call and dispute every error, nor did I have the energy. 

I kept receiving emails that I have new notifications on my credit report and to log in to see my notifications. Each time I tried to log in, I was sent to their page to update my billing information. 

Struck me odd since I paid each month and still had no access. The only way to see what was being reported was to try accessing my file with an old dispute number. 

XX/XX/XXXX charged XXXX-no access-but Experian kept trying to take XXXX at least 5 separate times, my account luckily declined each time the tried to charge my card, but once I had money available, Experian pulled it from my account, still no access. 
XX/XX/XXXX charged XXXX-again no access into my account. When you call their customer service number I 'm waiting for over 1 1/2 hours. I do n't have time to keep updating my payment history, especially when the payments are processing. 

Not only are they taking my money, not allowing access into my account, but there is no option to cancel the service, which is why they have been charging my card. When the service works properly, I love it. Unfortunately, this has gone too far and caused to many problems with my finances, my family and has caused various arguments within my family. 

To top it all off, I still ca n't get items to be processed and updated through their credit dispute forms. I have submitted official documentation, letter heads, certified mail just to support my position on the items that should be updated.
I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
I get repeated calls from the number ( XXXX ) XXXX. It is always an automated robocall that directs me to hold the line, but ultimately no one is available to take your call and it disconnects. Ive called the number back and it is the same message. Through my own investigation, I have found this company is Vanguard. I have no business dealings with any such company. 

This company calls up to 5 times per day. They are pointless, robocalls that end the same no one is available. Since no one is available Id like them to stop harassing me.
I was trying to get XXXX XXXX. The first two times I tried to get the service, the process was cancelled due to XXXX 's internal security process being flawed. They advised me to try again. On the third time, they changed the process without warning and did a credit inquiry I did not authorize.
Date opened XX/XX/2015 Collection amount XXXX This is not my debt Ive never had any account with this company.