WillisBack/dataset-financial-user-claim huggingface dataset:
12 months ago I had to start paying my mortgage payment to PennyMac by Money Order because I had a payment to go past 30 days, this was there policy when this happened. In XXXX 2015 I noticed the payment that was made was not credited to the account, I had proof that the cashers check was received by PennyMac, who received it and what time. I spoke to a lady at PennyMac and they said they do n't have it, I had to fax the copy to PennyMac. When I talked to the lady at PennyMac ( XXXX ) she told me she had talked to my bank and the check had not been cashed by them. She said she would stay in touch with us and that it would not go against my credit and there would not be any late fees. I told her I was trying to refinance and did n't wont to hurt my credit. After 2 months I called PennyMac back because they had n't called me and I spoke to XXXX again, this was after I had left her 2 messages and she never called me back. I called because I noticed my credit score had dropped XXXX pts. When I spoke to her she said it was pretty much on me and I should have stopped payment, there was no conversation about stopping payment when I spoke to her the first time. My wife went to the back the next day to have them stop payment on the cashers check, the bank can only do it with a letter from the mortgage company with their letterhead stating why the cashers checked needs to be stopped. Since she did n't take care of what I asked about I asked to speak to her supervisor, XXXX XXXX got on the phone and pretty much said the same as XXXX. He did tell me they would put in a request to change the credit report and XXXX will call me back in a few days. She called me back on Friday of that week and told me she had tried to get a hold of my bank and had left messages and know had called her back. My wife talked to the bank and he had no calls or messages from XXXX at PennyMac, my bank had left her messages and know return calls. On Monday this week XXXX/XXXX/15 XXXX called me back and told me she had not talked to my bank and they were not able to send my bank a letter on their letterhead to stop payment on cashers check. She called me back on XXXX/XXXX/15 and left me a message and tried to call her back XXXX/XXXX/15 in the afternoon and left her a message and then called he back on XXXX/XXXX/15 and left another message. It 's XXXX Friday XXXX on XXXX/XXXX/15 and see have had know call back from XXXX. I talked to the bank and she still has had no conversation with them. The website shows all payments have been for XX/XX/XXXX and XX/XX/XXXX but no payment for XX/XX/XXXX, When I spoke to XXXX he said that payments were applied to XXXX and XXXX and no payment had been made for XXXX, they do n't know what 's been made. During the past 3 months I 've had 3-4 calls a week from an automated phone system, I 've received in the mail every week of ways to get your loan caught up or foreclosure or shot sale.
My auto payment did not go through again for  XXXX   2017 . I reported this in  XXXX  with case number  XXXX  and it has happened again. The company assessed me a late payment of {$37.00} hours after the payment was due but it was n't paid because they did n't do the auto payment. I called and no one will remove the late charge again. T he first operator hung up on me after I was on hold for 11 minutes and then I called again spending a total of thirty minutes on the phone. They claim they were training after the last incident but clearly that did not ha ppen.
I get an account with national recovery on my Equifax credit report who supposed to be closed. I want this account to be removed immediately.
I received my credit card statement with notice that 18.9 % rate is going up to 24.9 % XXXX/XXXX/16. If I do not agree to they will close the credit card which will impact my credit rating. It was done for spite because I filed complaints with your organization.
I have a kind of complicated situation. In XX/XX/XXXX, I began paying Sallie Mae for my student loan. I made regular on time payments till XXXX XXXX XXXX, when my husband and XXXX children began to struggle financially. Sallie Mae gave me an immediate forbearance due to hardship. We filed bankruptcy in XX/XX/XXXX, and barely a month later my aunt died and I was inherited XXXX. Sallie Mae was one of the many creditors who were offered to claim their money. Sallie Mae did so and to my knowledge my bankruptcy trustee paid them in full. I do believe I made a follow up call to make sure of that. During the time from which I filed bankruptcy and time that everyone was paid and my bankruptcy case closed was nearly 2 years due to probate and what not and Sallie Mae kept charging interest and late fees on the account after claiming money already. Is that legal? Now during the last year I've been fighting with them to explain to me how I owe them XXXX. After my trustee gave them the payoff two years later an adjustment was made to my account for XXXX and XXXX which makes no sense to me. And then 3 years later they begin charging late fees again. I wrote them 2 dispute letters and followed up many times to try and get a supervisor to contact me and they told me they were making a decision on my case. I asked specifically to be called and emailed directly with outcome and they didn't do so. I had to call again in which they told me my explanation could be found on my account page when I went there they had not given any explanation just changed my account around to offer a lower payment plan. I could never get a straight answer from anyone ... I am uploading many documents to you in hopes some one can figure out how any of this makes any sense. I have done all I can and now they have forced me into another forbearance or too till I got this figured out which is again in late standing to current. thank you kindly for your time XXXX
I have 3 mortgages with Academy Mortgage, totaling more than {$700000.00}. Back in XX/XX/XXXX/XX/XX/XXXX, I was having issues with their Loan Administration website, they were converting to a new online system. I was locked out of my account when trying to make my payment for Loan # XXXX. I followed the prompts to request unlock, which at the time was an email to XXXX indicating someone would respond within 24-48 hrs. No one responded to me! 
I sent a follow up email ( copy attached ) explaining that I was in jeopardy of being late, if I could not submit the payment online. After another day, there was still no response. Finally, I decided to call customer service and after some frustration with the phone rep, I was able to identify the issue and log into my online account. Academy mortgage had an incorrect email address on file, they had n't updated this either. I made my XX/XX/XXXX payment. 
A month later, I received a credit monitoring notification, that my Academy Mortgage had reported 30 Days Late in the month of XX/XX/XXXX for the XX/XX/XXXX payment. I was sickened and now even more frustrated. 
As a good will gesture and in good faith of my loyal business and existing good standing on 3 mortgages, I sent a letter asking them to remove the 30 Day Late for Loan # XXXX from all three credit bureaus and send me confirmation that it had been removed. I felt it an injustice for adverse credit action on my account because of their companys technical difficulties. 
I received a letter date XX/XX/XXXX indicating Academy mortgage was looking into the situation. I never heard back, so in early XX/XX/XXXX, I called their customer service XXXX. The rep indicated they would not have an answer until XX/XX/XXXX and to call back after that time. I questioned the timeline and mentioned that 4 months was a very long time for research. I called back the week of XX/XX/XXXX, thinking they may have finished, but told again to call back after XX/XX/XXXX. I called back today XX/XX/XXXX and I was told that Academy mortgage had sent me a denial letter back in XX/XX/XXXX indicating, I had the incorrect month on my dispute letter and she did n't know why the rep did n't tell me that the other 2 times that I had called. I never received a denial letter in the mail. Only to call back after XX/XX/XXXX. The rep said she would transfer me to a supervisor, who even further frustrated me. I am opening this complaint through CFPB to document my horrible experience with Academy mortgage loan administration and hopefully they will make some changes to their process. I am being dinged for a system issue, and the adverse customer harm has now been in effect for 4 months, more than 160 days since the issue was identified. 

Thanks, XXXX XXXX
On XX/XX/XXXX, i sent a requests to Equifax and XXXX to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from Equifax stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling Equifax on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called XXXX on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into Equifax and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.
XX/XX/XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
capital one credit cards never sends me a billing statement so I can pay it they close the accounts for or some one used the cards I am paying on it.
The escrow on my mortgage increased by {$580.00} ( approx ) a month and I was not notified. Additional {$580.00} was paid on XX/XX/XXXX XX/XX/XXXX without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on XXXX XXXX, XXXX after XXXX calls ( XXXX XXXX and XXXX XXXX ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept.
We have been contacted by mail on several occasions by AFNI in regards to collecting on money owed to XXXX XXXX. They state that my husband owes them {$510.00} to settle the account. I contacted XXXX XXXX to find out what was going on. They informed me that we only owe {$140.00} and the account information does not match what XXXX has, so I don't know where they get their amount.
I recently ordered and reviewed my Credit Report from TransUnion. During that review, I discovered a serious mortgage loan reporting error on their report from XXXX XXXX, as well as many other errors. These incredible inaccuracies are having a serious, negative impact on all aspects of my life : financial, professional, personal. 

On XXXX/XXXX/16 I mailed a complaint to TransUnion, certified mail. It was confirmed received by TransUnion on XXXX/XXXX/16. My complaint laid out my concerns, had attached all relevant supporting documentation, and asked them to investigate. 

It 's now been 4 weeks. I have no acknowledgement from TransUnion that my mailed complaint has been received. If it has been received I have no acknowledgement that it 's being worked on. If it is being worked on, I have no acknowledgement of an estimated timeframe to complete the research. In other words, I 'm totally in the dark ... still. 

Please investigate these matters and correct the disputed items as soon as possible.
Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration.
My roommate and I were evicted from XXXX XXXX XXXX in XXXX, NC back in 2013. We only owed one months rent which was just about {$900.00} but once turned over to Advanced Collection Bureau they tacked on extra fees totalling {$2700.00}. They have called me repeatedly and asked me personal questions about my income taxes and recommended that I send my entire check to them. I was told that I will never be able to get an apartment in my name again. When I asked to speak with a supervisor I was told I did not need XXXX and I just needed to pay the debt. Representative was very rude. The apartment complex is no longer in existence they are under new management and I contacted that particular office and was told that they do not have any record on file of my roommate and I owing any money to them. So if Advanced Collection Bureau is no longer collecting the debt on behalf of XXXX XXXX then they are pocketing the money themselves! We did not get our {$500.00} deposit back and it should have been applied to the balance left after we moved so I do not understand why the amount in collections is so high. I will take this to court I will not pay for something I do not understand.
I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran XXXX times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
yesterday, I called the professional adjustment corp to be presented to the owner named XXXX. I sent a letter asking for verification for this alleged debt, I was sent procedure codes, pretty much my medical history on four accounts that at the time I had no knowledge of. I called the original creditor to speak with a representative on the phone for an hour explaining to her that I never gave permission for a debt collector to have this information as this contains sensitive information regarding hippa. to even get my own information from the records department, I must pay for it, but it scares me to no end how this collection agency could have my medical information. fast forward I called this XXXX on XXXX-XXXX-2017 explaining to her that she had violated hippa enforcing the laws of the fcra for consumers, she immediately got very defensive as she started yelling over the phone and to tell me do what I need to do. since phone calls are monitored and recorded, I kept this on record because as a consumer I do n't need anyone talking to me with such disrespect. I am a grown man and will and shall tolerate it. she slammed the phone in my face afterwards and hung up on me. she has knowingly violated the law. I do not acknowledge the debt because I never signed a contract with this agency. She also called me a liar over the phone an accused me of not speaking to the original creditor which I did as soon as I received her letters. I was on the phone with the original creditor when she too hung up in my face. funny how you expect us to follow the laws but here you are breaking them in multiple ways which by the way of violating my rights. XXXX is very disrespectful and have no regards to the law. I will not back down from this and I demand all trade lines to be removed from my credit profile, you are slandering my reputation. again, I have never gave this agency permission to access my medical information. I have no contract with the professional adjustment corp and there is no bill that states I have a contract with the professional adjustment corp. they did n't provide any service that I signed for. I will also let all three credit bureaus know that this agency has taken my information without my consent which also constitutes a fraud. you have access to my medical records without my consent, two you are accessing my credit profile without my consent, three you have opened 4 accounts which your agency has failed to sent me a letter about this alleged debt. I want this off my credit profile.
We submitted a loan modification application on XX/XX/2017. The lender said they refuse to open it for review because the file is incomplete and its within 37 days of the scheduled foreclosure sale date. However according to recent changes in in foreclosure & bankruptcy servicing a servicer is required to perform an expedited review if the application is submitted within 37 to 15 days of a foreclosure sale.
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and XXXX and Transunion have done nothing. 30 days have passed and I sent my second request to XXXX and Transunion and 30 days have passed again and XXXX and Transunion has again done nothing which is why I decided to come here for help, please help me.
This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with XXXX  and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
Midwest Recovery Systems, LCC put on my credit report I took out a loan out for {$520.00} now {$700.00} back in 2013 I have no idea what they are talking about because they have the wrong email and address. I was told by Midwest Recovery System, LCC, I paid on the loan for a year and stop, there is no way I would pay on a payday lone for a whole year. If Midwest Recovery Systems, LCC continue to pursue me on this debt I will file a civil suit on them, because this can cause me to lose my job and other things, this need to be remove off my credit report.
I spoke with customer service rep  XXXX  yesterday and she was gracious enough to look over my account with me ; we are currently going into a loan modification agreement and for several months I have called in inquire about the past due balance of {$5000.00} plus dollars that Pacific Union states that we owe on property   XXXX   XXXX   XXXX    XXXX , Ohio  XXXX  ; I have spoken to several reps in the past who have said that they were going to put a ticket request in asking for someone to look at all payments, adjustments, and missed payments to ensure that our balance is correct and as of yesterday we have not received a call back stating that this has been done.
We are grateful for the Loan Modification but would like the terms to be based on the correct amount and not a system error.
Unfortunately in  XX/XX/XXXX  we had to file chapter  XXXX  bankruptcy to ensure that our property and cars were protected while we tried to get back on our feet financially ; in   XXXX   a ESCROW ANAYLSIS was completed by Pacific Union and it showed that we were going to be short and our mortgage was increased almost {$200.00} ; our payments went from {$1200.00} to {$1400.00}. We questioned it then and asked our attorney to examine this ; after he contacted your legal department and spoke with your attorney, the increase in our mortgage was rescinded and per the courts our mortgage payment was returned back to {$1200.00} effective  XX/XX/XXXX  ; please see court document attached. We soon asked for a loan modification and were approved ; our mortgage payment and interest rate were deceased however amount was based off of the {$1400.00} and not the {$1200.00} as stated by the Bankruptcy courts. If Pacific Union is showing that our mortgage payment is suppose to be {$1400.00} then it will cause a greater past due balance than if it were updated back to the {$1200.00} ( the original amount of our mortgage ) ; our trustee was making the payments accordingly at {$1200.00} but our past due was growing because the system is showing the payment as {$1400.00}.
In addition due to the rescinding of the ESCROW increase there was a {$1500.00} overpayment noticed and report by the bankruptcy trustee and she requested, agreed to by all parties and granted by the courts that the overpayment be accredited to the Mortgage Arrears claim of {$3100.00} ; so the actual past due would be about {$1600.00}. There doesnt appear to have been an adjustment of this ruling to our account.
We are asking for the following : Update your system to reflect that our true mortgage payment was {$1200.00} and will now be {$1200.00} Make adjustments to our account that reflect the application of the overpayment of {$1500.00} Review and make any corrections to the past due balance that would be apart of our Loan Modification that was approved.
Send us a new payment history once these payments and adjustments are corrected Thank you so much for understanding and helping us get and keep our mortgage on track!