WillisBack/dataset-financial-user-claim huggingface dataset:
I am extremely and utterly furious in the way TCF Bank has been handling my case! I was trying to work out a plan in order to help me get back on track with my missed payments and they stated they would n't review my file unless it was 37 days prior to the sale date. My sale date was for XXXX XXXX, 2016, and I filed for Bankruptcy Chapter XXXX on XXXX XXXX, 2016 at XXXX XXXX. I submitted the documents to TCF Bank Bankruptcy department and confirmed the sale date was postponed. I then get contacted by a real estate agent that has an offer from a buyer willing to pay cash and he explained the short-sale process and the benefits of it. I was then told on XXXX XXXX, 2016 that I had a new sale date for XXXX XXXX, 2016! At that point I have no other options, but to let my house sell. XXXX XXXX from TCF Bank stated there 's no loss mitigation process that can get started because its less than 37 days that is required. THAT IS SO INFURIATING, because I just found out about this offer and now I cant even get that review because they put up another sale date right after I had filed for Bankruptcy! This is a perfect example of how unjust and lack of faith there is in our banking system. This is the vicious style TCF Bank enjoys to perform in order to keep my home and still make more money at the end. It 's banks like these the reason this country is considered greedy and malice! I had tremendous faith in our banking system and in TCF Bank. I thought these government programs were created to help distressed homeowners, but TCF Bank is only interest in how much more money they can get out of my property!
1.When researching my complaints I found that my last payment date was XX/XX/2017 and next payment is listed as XX/XX/2017.I am on a SAM, my payments are by bank draft & this worries me that they will not deduct my XX/XX/2017 payment and find me at default. 2.My annual escrow statement has an incorrect deduction for a projected payment in addition to the actual payment from my actual ending balance.Their website shows the correct escrow balance and the projected escrow balance for XX/XX/2017 should have an overage of XXXX above the required cushion of XXXX. ( 3 ) An appraiser tried to set up a meeting to appraise my property when I was negotiating the SAM agreement, he told me the prior appraisal was false, the SAM was signed without the additional appraisal but I 'm still be charged over {$400.00} for the incorrect appraisal? ( 4 ) When I was trying to get a federal mortgage modification they were sending my payments to a suspense account. I finally agreed to a SAM agreement.The SAM agreement did not include my suspense account and ended up being more than my original loan balance. I was told that once the papers were signed that the suspense account payments would be applied to the balance and it would reflect a much lower principal balance than reflected on the SAM. But those payments do not seem to have been applied to the principal. That was a lot of money to disappear.
I've been banking with Capital One 360 since XX/XX/XXXX. In XX/XX/XXXX, I was unexpectedly laid off from my job and had some financial difficulties which caused some overdrafts on my checking account. In XX/XX/XXXX, I finally found another job and was able to have a direct deposit go into my checking account to satisfy the overdraft and bring a positive balance into my account. I ordered a new debit card on XX/XX/XXXX and received it by mail on XX/XX/XXXX. I activated the card with no issue using the XXXX mobile app. I then proceeded to use my debit card but the transaction was declined. I immediately reached out to customer service and spoke with a representative who stated that my account had been restricted and I couldn't have access to my funds. He advised me to go on to their website, open a new checking account and call them back so that I could link my new debit card to the new account. He assured me this would be no issue. I followed his instructions but was denied opening another account. I called customer service again and spoke with another representative. I explained to her what was going on and what the previous rep advised. She then begin to give me the same explanation about the restricted account and stated that not only would I be denied from opening another account at this time but that I also had to wait until Monday to speak with another department to see what my options are about accessing my money. I asked the rep why wasn't I given any notification that my account was being restricted. She could not answer that. She also advised me that my deposit should have been rejected and that there was no way that I should have been able to order a debit card on a restricted account. I was never given any notification of such an action. Capital One has my mailing address, my email address and my phone number, why was no letter received?
DO NOT GET A MORTGAGE OR REFINANCE WITH PENNYMAC LOAN SERVICES UNTIL YOU READ THIS! 

My husband and I got our original mortgage through XXXX XXXX. After five years, we received a notice in the mail that PennyMac was offering lower interest rates so we ended up refinancing in XXXX XXXX. We had asked PennyMac to to give us the same set-up as we had with XXXX XXXX, which was to include our home owners insurance to the monthly mortgage payments. They failed to do so, so we continued to pay the home owners insurance on our own. 

On XXXX XXXX, XXXX, I received a letter from PennyMac that they purchased home owners insurance on my property in the amount of {$4200.00} which they placed on my home in XXXX XXXX. Naturally, I called PennyMac to clear the situation up, but instead I was subject to being either transferred from department to department several times, with no one knowing what they were talking about, to being placed on hold for several minutes until I eventually got frustrated and hung up. 

I wrote a letter to PennyMac, and they said they reviewed my contract and it showed that I did n't have " Hurricane Insurance '' only " High winds '' and that I had let my homeowner 's insurance collapse. Not true ... ( Have all the documents to prove it and my insurance company faxed my documents to various individuals at PennyMac on several occasions to verify the same. ) Also at the time of closing, the Hazard Insurance Authorization Requirements form from PennyMac did not state that " XXXX '' coverage was an insurance requirement for escrow of funds. There is no right under the existing mortgage for PennyMac to collect insurance funds without notice to the borrower indicating these new charges. There was never any notice sent to us with regards to placing this insurance on our property either. In fact the insurance provided by us was deemed sufficient and there was no escrow requirement for hurricane insurance imposed upon this loan. 

On XXXX XXXX, XXXX, I wrote to PennyMac once again requesting for a master copy of the forced placed insurance policy and proof from PennyMac that the premium charged to me was in fact paid by PennyMac. There has been no response to this simple request. 

Finally, I was left with no choice but to hire an attorney. And every month they continue to spin their wheels telling us that it is in review status. I figured that I would first report them to the XXXX and Consumer Reporting. If they continue to spin their wheels, and not drop these ridiculous charges, we will be left with no other alternative but to sue PennyMac for unfair and deceptive trade practice as well as a Fair Debt Collection Practice violation. 

So I ask you? Do you really want to deal with these issues? Then consider this my gift to you.
I noticed a hard inquiry on my credit report, I contacted the company Twice asking for the original documents containing my signature or any proof that i applied for financial assistance from their institution,,, they provided no documentation, ,and refused to remove the hard inquiry
Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided. 

The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report. 

This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.
Someone stole my information and has been using it for several years. He got a drivers license and is working. He has been arrested and has taken out credit. [ sic ] He is ruining me. Please, help me.
I was dismayed once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate.
Credit Bureau is reporting inaccurate information on credit report with Macy 's.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXXXX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
I had an account with Discover Financial Services ( owners of Discover Card ) and due to economic hardship, I transferred that account to a debt management company to assist me with controlled monthly payments. I was making continuous payments to this program until I got laid off from my job and found myself in dire straits. The debt management company did relay the news to Discover and without my knowledge ( they only notified the debt management company and did NOT send me a letter in writing as per the law ) they ended their participation in the program and sold my account to a debt collection agency. Under the Fair Debt Collection Practices Act, they have reported inaccurate information to the credit reporting agencies stating that I abandoned the account when I in fact did not and also did not send me a letter in writing notifying me that they sold my account to a third party collection agency. I have sent Discover XXXX letters via registered mail and also did contact the New York State Department of Consumer Protection, but did not receive a reply from Discover after both approaches. They have refuse to return my calls and letters regarding my account and I require urgent assistance before I take legal action against them.
I have tried repeatedly to dispute a bankruptcy listed on my account that is not accurate. I was involved in the Equifax breach yet they insist on maintaining inaccurate information on my consumer report regarding addresses, inquiries and public records. When I inquired regarding where they are getting this inaccurate information from, they REFUSE to provide the information so that I can go to the mysterious company reporting on me according to Equifax. This company has been the source of detrimental breaches, inaccurate information and ineffective credit monitoring. I have contacted the court listed for assistance and they continue to explain to me that the information is NOT coming from them. Equifax has also been involved in litigation regarding this very issue and yet the unlawful practices continue.
My BofA checking account statement ending  XXXX / XXXX /  XXXX   had a {$14.00} service fee. Because I have over {$5000.00} in an IRA with the bank, my fees are supposed to be waived, and had been in the past.     I called and talked to  XXXX  at  BofA  on  XXXX / XXXX /  XXXX  . She agreed I should not be charged and credited my account {$14.00} which was deposited that day. I clearly stated that besides the refund, I wanted the root cause of the problem taken care of so I would not have to waste my time again in the future.     The cause was not found and fixed because on my next bill ending  XXXX / XXXX /  XXXX  , I was charged another {$14.00}.     I want Bank of America to conduc t RCCA (  Root Cause Corrective Action ) to address this problem once and for all. I would be surprised if this problem has not effected other account holders.
I thought I was getting a payday loan for {$400.00} that would be paid off at a total cost of {$600.00}. The details of the loan were not visible at the time of the loan submission. After the second payment I was able to log into the website to see the fees and the finance charge was listed at {$1900.00}. Though I have paid {$600.00} to date, there is still a pay off balance of {$600.00} due if I want to avoid the full finance charge. That is still far more than I was made aware of at the time of the loan submission. I will attach the document that was available on the website after my second payment in late XXXX 2016.
Re : CFPB % XXXX I did send that information almost 3 weeks ago. I still dont get my money Because of that I have to come back to USA Because of that I lost my business Almost 2000 dollars expenses because of delayed Sent from my XXXX
I was outside the country for more then 25 years, I recently received my XXXX card because because my wife and kids are Americans. I do not know this company and neither the origins of the debt claim. 
Claiming Company name and date ) ctober XXXX2015ARA INCPoBox XXXX Park, IL XXXX person : XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX Creditor : XXXX XXXX Bank XXXX XXXX # : ****************Current balance {$1900.00} ( due in full )
GM Financial is reporting negative account information to the XXXX major credit bureaus. I have faxed, emailed and called about the inaccurate late payments and they have not as of yet corrected my credit reports.
American Express has decided to sell or transfer ALL their XXXX co-branded credit card accounts to XXXX. There is no option to continue with the current card. By doing this, XXXX customers ( Including me ) will now have to take a big hit on their credit report for not only closing an account, but opening another ( With the transfer ). They have done nothing to address this issue.
I filed a dispute with Equifax and asked that a trade line account for XXXX XXXX XXXX be removed from my credit report that is was inaccurate, last payment on the account was made in 2000, the account was closed and no longer being reported to the credit bureaus by XXXX XXXX XXXX. To date Equifax is refusing to remove this trade line from my credit profile with full knowledge the account in question is in good standing PAID, NEVER LATE and the last payment on the account was more than 16 years ago. Equifax is refusing to disclose how this account is affecting my credit score.
I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.
On XX/XX/XXXX, I contacted XXXX at Great Lakes regarding a payment that was taken out of my bank account the previous day. I advised that my forbearance does not expire until XX/XX/XXXX and they were not authorized to take the money out.They advised that they will investigate and call me back within 24-48 hours. On XX/XX/XXXX, I called them back after waiting the 48 hours I was quoted. The person on the phone advised me to wait longer and did not give a time frame. I have emails from Great Lakes stating that my loan is in forbearance, there are also messages on my Great Lakes account stating this.
Citi does not provide a means to cancel a credit card on their website, nor do they provide any information on how to do so anywhere in their FAQ 's, etc. It is very easy to open a card and there is plenty of information on how to do so. I do n't see why this is allowed - if it is this easy to open an account then why is it not easy to close one? Why is there no information provided? This is a card I do n't use with a XXXX balance and simply do not want to be charged a fee for it. I ca n't think of other products where this is acceptable.
All three credit bureaus ( XXXX, XXXX, and TRANS UNION ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
I have been paying American Education Services on an original loan of XXXX ( combined ) for over 10 years. I have taken some deferments. My loan is currently at XXXX. The lady that I spoke with told me I had XXXX loans that cost over a total of XXXX???? I informed her that I have never had that much money borrowed. She told me it 's a " mute point now '' and refused to explain to me where she was getting that figure. That amount is simply incorrect. I want to find a loan program where my payments make a difference. Do you have any suggestions? I will be XXXX years old before I pay this loan off if I do not find a product that helps me to pay my loan down. I am confused and angry.
I never applied for this credit card in my life. I do n't like Old Navy, never have, someone used my information to open this account. It 's fraudulent!
Debt older than 7 years Proof of original collection data Please remove collection from all credit reporting agencies
HAS REPEATEDLY CALLED MY WORK NUMBER AND DISCLOSING INFORMATION TO CO-WORKER
I sent {$250.00} to an elderly relative in XXXX. When they went to pick up the money at XXXX in XXXX, XXXX, they were informed that the money had already been paid out. My uncle never received it and obviously the Bank did not check that the whomever received it had the proper identification. Ever since I started the complain, XXXX has been sending me back and forth to telephone Representatives with no power of decision. I eventually talked to an " Investigator '' who afterward did not respond my calls. Today, more than a month after sending the funds, I still can not recover them or have them disbursed to my uncle.
I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to. 
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!
I have attempted numerous times and have disputed information pertaining to my equifax and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.
As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.