WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. 
The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. 

When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. 
However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. 
They also are reporting me to transunion as being late. 
I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? 
Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. 
Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. 

I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? 

Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? 

When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! 

Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else
Dear Sir or Madam, I am a XXXX person. In XXXX while visiting XXXX, I was erroneously given a parking ticket for parking in a XXXX space. I immediately responded in XXXX while in XXXX to the ticket with correspondence that clearly identified XXXX and date of XXXX. The correspondence included enclosures : copies of my XXXX driver 's license, XXXX placard and XXXX vehicle records. I clearly requested that the ticket was clearly an error and should be cancelled and to contact me if additional information was required to contest the ticket. In XXXX, I moved to XXXX, but I did not receive a response until recently. As a result, I considered the matter closed. However, I received a letter from Innovative Collection Services on XXXX XXXX, XXXX, informing that I had a parking ticket that was in collections. In response, I wrote another letter with the same information as before that requested the claim be cancelled. They responded with a letter that the full fined was unable to be contested since the date exceeded the 14 day limit and that the debt would be reported to the credit bureaus if not paid in full by XXXX XXXX, XXXX. I am now formally requesting a complaint be filed against this debt collector for not recognizing my XXXX and cancelling the fine of {$460.00}. I have not contacted any lawyer and do not intend to pay this illegitimate bill. I would like any assistance or recommendations for resolving this dispute. The following information was included on the bill from Innovative Collection Service. 
Issuance Date:XX/XX/XXXX Account Number : XXXX XXXX Total Due : {$460.00} Thank you XXXX XXXX
My wife got XXXX XXXX and I retired early to take care of her. I talked to Bank of America that I was having trouble and a representative advised me to stop making payment on my loan in order to help modify my payment. 

I did as they advised and submitted everything that was requested to only find out that they had denied because they could not verify my income. I expressed that there is no other income that I was getting. 

I have retirement income and social security income which I submitted with my wife 's information as as well. They keep telling me that they think we are hiding extra income. We are not hiding anything. We have requested they provide proof but no response. 

I have been denied over 6 times now because of the same thing. " THEY CAN'T VERIFY INCOME ''. 

My loan was even escalated to FHA so they can assist and no help was given. I am an end here trying to save my house and have my wife recover from XXXX as well. She has had a XXXX XXXX and it just seems it will never end. 

Please help me!
Equifax keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that Equifax would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it
I do not have any relationship with Unifund and do not want one.

This organization, perhaps some type of collections company has shown up in my credit history file about 2 years ago under a different name.

This debt collection was removed once before however it has appeared and it should not. I fought this hard with their reps, the three credit reporting agencies and with the CFPB.

Assistance from the CFPB to remove this debt and annoying recurrence of the illegitimate attempts of Unifund. They should not be able to show up every so often and attack the credit histories of individuals without notice.
I am making a dispute agains t Nationwide Recovery Service in  a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for  VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX ,  XXXX , and  XXXX   ).  This action constitute fraud under both Federal and  State Laws.
My Capital One Venture card was permanently restricted back in XXXX after missed payments. I had previously explained to Capital One that the missed payments were a result of my ex and my divorce and I was attempting to rectify, but they restricted my card per their terms and agreements and I am only able to make payments on the balance. 

On XXXX XXXX, XXXX, I was changed an annual membership fee of {$59.00} for the card. I have attempted to dispute this fee because I should not be changed a membership fee for a card that I can not user per Capital One. They are essentially charging me {$59.00} to make payments on a card THEY cancelled with an active balance.
OK to start when I open the chase account I was told that there would be a charge of XXXX if I use my card and did not have the funds which chase would cover up to XXXX but would charge me XXXX well I 'm on ssi and I had this bank for over 9years and never notice until now that chase has been charging XXXX extra if I did not deposit the money that they have covered. I found out that if you do n't deposit the XXXX. That you will get charged XXXX morning in 5 days now I was never told that when I opened the account so chase has been stealing from me taking money from me and not only me the government because my money comes from social security.. So what I 'm asking is for chase to give me my XXXX that they took from me back after all this years.. That money belongs to me. Now I wonder how many people have they done this to specially the older people that get social security. I want something done about this ... I wonder if this company is doing what XXXX XXXX did.. Someone needs to do a investigation in Chase Bank ..luke I said all I want is my money that they took with out telling me.. To me that 's called fraud
I continue to receive auto-letters from Experian stating that they wo n't even investigate this and that they stay on my file for 7-10 years. I would have NO problem with that if they were reporting this correctly, but they are n't! I 've asked to see the actual petition that they are using to verify this information and they have refused to send it. Congress states that the only legal form of verification is firsthand knowledge and the FCRA states that the bureaus must have these docs in their hands PRIOR to even reporting them! So why should it be so difficult to get this information from them if they actually have it? It 's because they do n't! They do n't do that unless they feel that they are about to be sued! Well, I have now have an attorney on this and have gotten the attorney general of CA involved because they refuse to correct my credit report and continue to send me garbage auto-letters each month. 

Here is my dispute with them and you 'll also find the public records page attached along with the letter in full and my identification : US BKPT CT CA XXXX XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct - please send me the physical petition You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate - this must be listed accurately, without abbreviations, and completely You have no plaintiff listed
The following are the transactions that Im disputing with their respective dates and amounts : XX/XX/2018 in the amount of {$550.00}, XX/XX/2018 in the amount of {$500.00} and XX/XX/2018 in the amount of {$500.00}. 

These transactions were initiated through XXXX. They were unauthorized and done through my cash app login without my permission on the part of the person that I was living with at the time. I have since moved out of the house and have tried to recover that money both by contacting the individual and also my bank but Wells Fargo essentially told me that there was nothing that they could do no matter what and left it at that.
My husband and I recently just got a loan modification through our mortgage company. Because we were struggling to make ends meet. And wanting to keep our home and not wanting to be foreclosed on so are mortgage company made us think that a loan modification is our only option and forced us into a ridiculously high numerous fees charges loan modification or we lose our home to foreclosure.. and this loan modification has put us in so much financial stress and it all started from our mortgage company and Ive already filed a complaint about this with our {$580.00} insurance premium that went missing back in 2015 that was supposed to be paid to XXXX XXXX.. We are getting nowhere with our loan through our mortgage company because our mortgage company doesnt want to work with their customers with American people that have families and that have lives and a mortgage company like I have my loan through does this to me and my family. And will not address any of my concerns regarding my loan or my loan modification agreement my escrow account my homeowners insurance anything that has to do with my loan from top to bottom my mortgage company will not address my concern at all. And so I now doing my own research know that this is not my only option to keep my home for myself and my husband and my kids and Im not going to stop until I get the justice we deserve weve been with this mortgage company for 10 years weve suffered for 10 years from day one with this mortgage company they are nothing but dirty crooks that dont care about American people.. this mortgage company uses fraud and kickbacks to get what they want from their customers loans. And I get no answers at all and Im not stopping until I get the justice that we deserve
XXXX This morning at XXXX I received a phone call from XXXX from Phoenix Financial Services XXXX Rep only identified firm and some obscure medical provider and did not give more information so I thought it was a phishing scam. When I called back at XXXX, the rep was willing to offer more information on who they were, and what their relationship is to the medical debt. They claimed that they have been sending me collection notices for 3 years, none of which I have received. I had asked for them to confirm the address ; XXXX then confirmed that they had the wrong physical mail address, and was able to review my file and get the correct mail address which I confirmed. The rep then stated that they would still put a collection notice on my credit report despite that I have never received a proper notice from this firm in relationship to the debt. I made it clear that I was not refusing to pay on a debt that I supposedly owed, but I needed physical documentation to verify their claim. Again, they referred to the notices I have n't received because THEY sent them to the WRONG address for 3 years. I asked to speak to a supervisor named XXXX. XXXX informed me that they would move forward on putting the debt on my credit report profiles despite not being properly notified under the FCRA. Further, I had informed them that the debt was part of a workers compensation claim. The firm dismissed that claim, stating that my personal insurance was notified and had paid the debt. If they had paid the debt, I failed to understand why they were calling me. Again, I had asked for physical documentation to be mailed to me at the correct physical address that they finally confirmed. They also alleged that I was trying not to pay the debt. Again, under the FRCA, I was never notified of any debt collection attempts. 

As a consumer, I am very wary of phishing attempts and have been apprehensive to release or confirm personal identifying information to unsolicited phone calls. I have never refused to pay outstanding debts if I am aware of them, and this claim was made under workers compensation which I was informed that everyone that had provided medical services were paid under the claim. I informed Phoenix Financial Service of this and they said they would move forward on putting derogatory remarks under my credit profile regardless in violation of FCRA. 

This complaint is being filed in preparation that they were properly notified of the correct address, and that I will not pay any unsolicited collection attempts without reviewing who they are/what the debt is/who the medical provider was that they are representing. When I receive proper notification, I will move forward to rectify any outstanding accounts should they prove valid. If Phoenix Financial Services fails to provide such documentation, I will be exercising my rights to sue under the FCRA and also file a complaint with FTC and CA State Attorney General 's office.
" " '' I have disputed this Public Record on this Bankruptcy chapter 7-discharged XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I have to inform you about what a horrible situation our Mortgage company is putting us in. 
After a bit of research, we are discovering we are not the only ones who have dealt with this in regards to Round Point Mortgage. Its been over 6 months since hurricane Irma destroyed part of our home. Our Insurance company has issued funds from our policy to start making the necessary repairs to our home so we can rebuild. But our mortgage company, Roundpoint Mortgage Servicing, is repeatedly refusing to release these funds!! They have received all necessary documents from us as well as our insurance company. We have sent the documents on numerous occasions and they continue to get lost. We have invoices with our contractor who needs to be paid for the services already performed. In addition, our home continues to sit, with no work being done, and with part of the roof missing. The damage being caused by environmental elements will continue to worsen the damage already done by the hurricane. This mortgage company is turning an already awful situation into a complete nightmare for our family and children. Can anyone offer any help or advice?
I just went to TJ Maxx n while I was checking out the lady asked me if I wanted to save 10 % withe the TJ Maxx Rewards Card. I said sure because it was referred to and marketed as a rewards card. I have zero credit cards and I dont want one or need one. She gave me a receipt n told me to call this XXXX phone number when I got home. I just called the number and some chic with synchrony financail answered. I asked her if this was a credit application. She said yes. I told her I had no idea I thought it was a rewards card like at the grocery store. She said no. I asked to speak with a supervisor and I was disconnected.
Our complaint XXXX to the CFPB illicited an answer to our lawyer XXXX XXXX from the attorney of Nationstar, XXXX XXXX XXXX. This answer brought an other claimant to our Note, this time XXXX. It is as usual the same circular rhetoric not answering the question who is the REAL OWNER of our Note. It answers only the part of the servicing and their rights. Calling the number of XXXX, which they gave in the letter XXXX does not answer. Ask the question about your loan, they answer and forward you to a number which does not respond. As the Grantor/Beneficiary of the DOT, our question has been, who is the Holder-In-Due-Course of this alleged Note they are trying to foreclose on. 
The Lender on the DOT, which we the Grantor/Beneficiaries executed, did not declare a default. 
First of all, where is the Authority that Nationstar Mortgage LLC is the Servicer for XXXX? After all Nationstar Mortgage LLC, became the servicer XXXX XXXX, FIVE MONTHS after the last payment was submitted, as well as the assignment to XXXX was recorded XXXX XXXX, TWO YEARS later and again recorded to XXXX XXXX XXXX, FOUR YEARS later and they are the servicer? 
The fact that Nationstar Mortgage became the " Servicer? '' 5 months after payment was submitted makes them under 15 U.S.C 1692 a debt collector. After 90 days the Insurance which we the grantor/beneficiary paid for, satisfied the loan. Nationstar bought the loan as debt collector and is trying to collect a debt due to others. There is no authority from XXXX. 
Facts which Nationstar has used in correspondence, court arguments and it the CFPB, why they have a right to collect : # 1- XXXX XXXX is the Note Holder # 2- Nationstar Mortgage LLC is the Note Holder, evidence a Corporate Assignment by XXXX for value granting Nationstar the Note # 3- XXXX is the Note Holder in the letter dated XXXX XXXX, XXXX. 
NATIONSTAR MORTGAGE LLC needs to be investigated for fraudulent practices, including their lawyers.
A co-worker of mine in a different branch office of the company I work received a call from Kramer Associates asking to verify my whereabouts. I am not familiar with this company at all, but an internet search reveals they are a debt collector. I have had no correspondence with them, so I have no idea what this pertains to or why they would harass my co-workers. If they feel I do have business matter to discuss with them, they should contact me directly and not at my place of business.
Every month during 2018, the credit card company locked me out of my account with unfair practices, such as burdensome password requirements and phony security questions that I could not have answered incorrectly.
Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
In trying to set up a new roommate, I was sent a Cashiers Check for {$2900.00}. Only part was supposed to be for rent, the remaining was to help set up a car for the college student coming to live in the room. I deposited the check on XX/XX/XXXX, waited until the XX/XX/XXXX to withdraw cash to send for the car payment, and then waited another day to send the money for the supposed car payment, and then another day for the second half of the payment. After {$2000.00} was sent for the car, the check, even though it is a cashiers check, was bounced the next evening. So now I am out {$2000.00} because Wells Fargo allowed the apparently fraudulent check to be cashed and make the funds available for multiple days. When I called them to deal with this issue, they refused to compensate the fraud even though it was them that allowed a supposedly secure check to process and then bounce. They will not own up to their fault in this fraud.
Bank of America has illegally added a credit card account and living address to my credit report in violation of the FCRA. I do not have a credit card with this company, nor am I a authorized user. 

It was explain to me that it was a different social security to this account. I never had a card with this company under this account.
XXXX XXXX ( XXXX XXXX ) did not pay real estate property taxes even though I have an impound account. Wells Fargo stated that they paid property taxes in XX/XX/2017. Upon further research, I identified that Wells Fargo paid the property taxes for the wrong property. I informed them of this and they said they would investigate. Wells Fargo stated that they paid the real estate taxes for my property but when I check it has not been paid and are now delinquent. In addition, I did not receive my money back for the property taxes that were paid on the wrong property.