WillisBack/dataset-financial-user-claim huggingface dataset:
Good day. I am making my mortgage payments to PennyMac USA, I still continue to receive letters from PennyMac stating that my mortgage is in default. Each time I call customer service, they repeat that my mortgage is in default and I continue to deny the claims. I have provided all of my payments and have even paid over the amount that I needed to pay.
I received a bill from XXXX County for my property tax XX/XX/XXXX ( which consists of 2 installments ) on XX/XX/XXXX and immediately sent a copy to my mortgage company, Dovenmuehle. This was done by email, to the same address I had sent all previous documentation to. 

I never received a confirmation that the tax was paid, which unfortunately has been common practice, but I assumed everything was taken care of. 

Fast forward toXX/XX/XXXX I receive a Notice of unpaid taxes - Intention to issue FIFA letter from XXXX County. Again, I send another email to Dovenmuehle immediately advising them to pay the due tax and the late fee at once. My husband then called on XX/XX/XXXX in order to make sure the issue was being addressed. The representative told him they never received the email ( which is a lie ) and to send it again, to the same email address (! ). The email with the attached late bill was sent again that same day. 

I decided to call the County every few days to confirm if the bill had gotten paid. After about 10 days of nothing, on XX/XX/XXXX, my husband calls the original mortgage company ( XXXX XXXX XXXX XXXX ), who then starts a 3-way call with Dovenmuehle. Once again the representative from Dovenmuehle tells him the issue is being taken care of, a check will be issued to the County and the late fee will be paid either by XXXX or Dovenmuehle. 

On XX/XX/XXXX I call Dovenmuehle to make sure the check has been issued and to ask what the tracking number for it is, so I can let the County know. I am told that the check was sent on XX/XX/XXXX and given the number of the check. I let the County know and I am advised to keep calling and not let this bill go unpaid ( obviously ). 

OnXX/XX/XXXX( today ) I call the County yet again to find out the bill still hasnt been paid. Since I dont want to ruin our credit and obviously cant trust Dovenmuehle to take care of things using our escrow account, my husband and I went to the County office and paid the bill plus the late fees in person. 

Dovenmuehle needs to be held accountable for their negligence by paying a penalty and refund us the original tax bill AND fees. We also want confirmation of EACH and EVERY payment paid out from our escrow account. This is someones life you are messing with!!
Upon checking my credit report, I discovered that Walmart placed 3 derogatory marks on my credit report about an account that I have with them. The following was written on my credit : XX/XX/XXXX, 30 day late, XX/XX/XXXX, 60 day late and XX/XX/XXXX, 90 day late. This account has never been 30, 60 or 90 days late. The minimum payment that was due in on XX/XX/XXXX was XXXX dollars, which Walmart debited out of a XXXX XXXX account. From there, a minimum payment is due on or before the first of each month. They have been getting their monthly payment every month. I would like this derogatory marks ( s ) removed off my credit. I wrote a letter disputing this and no response was received from Walmart. On XX/XX/XXXX, I called Walmart and asked why they reported inaccurate information ... the rep told me that although I pay every month on the first, they cut their statements off on the XXXX of the month. I don't understand what the rational is. i pay every month on the due date. 

This inaccurate information on my credit report is defaming my character and preventing me from getting credit.
My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my Equifax and XXXX credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Navient owns XXXX different student loans of mine ; XXXX federal and XXXX private. I called to request a lower payment option as they were increasing my monthly payment significantly, and they would ONLY lower my payment if I would agree to a graduated repayment plan that will increase my loan payment by 400 % in two years. I requested to extend my loan terms in efforts to negotiate but I was told that because my loans did not total {$30000.00}, they could not extend the terms. My loans currently total XXXX. I was {$200.00} under this magical {$30000.00} mark, and they refused to assist or make an exception. I waited on hold for XXXX hours to " resolve '' the issue and this was the only way I was informed that I could make my loans affordable.
I have a credit inquiry on my credit report for XXXX dated XXXX XXXX, 2016. I was notified by XXXX XXXX about the inquiry so I immediately called XXXX on XXXX XXXX, 2016 and told them this was fraudulent. I checked my credit XXXX/XXXX/2016 and I have inquires on my report for both XXXX XXXX and XXXX XXXX, 2016. I was told they would do a review and remove from my credit report but instead I have another inquiry on there for the day ( XXXX XXXX ) that I reported it as fraudulent. Can you please help me to understand why this has not been corrected?
This complaint is a response to XXXX XXXX response to my original complaint. XXXX ID : XXXX XXXX stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the Orions Management ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, XXXX is no longer showing a balance on the Orions Management account and I have n't even made a payment towards Orions Management. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.
We applied for shortsale assistance XX/XX/XXXX, as it was offered to us to help us avoid foreclosure. After we submitted at least XXXX offers from buyers ( we also had a few, really low ball Cash Offers which we did n't even bother with ). All within timeframes of XX/XX/XXXX through now. Each contract price gets countered to above market value. Each time the buyers cancel the contract, as it 's subject to the 'shortsale approval ' and then a new BPO/Appraisal. My realtor kept listing the property at what the bank wanted $ XXXX and got NO showing request. She sent this XXXX listing history to the lender to show them, no activity. It did n't seem to matter. We sent them the comps they wanted 'Non Dis-stressed, Foreclosures or Shortsales ' to be used as comps? Does this make any sense. Why is n't the bank using comparables to my house, in the current dis stressed condition it is in, to appraise the property? Because it does n't benefit them! I feel the bank is purposely delaying this shortsale and not coming to the true market value of this property because they would rather see it go into foreclosure. Which during this process they would stop foreclosure actions, the bank just filed the les pendens law suit about 1 month ago, knowing we have had a contract in place for shortsale processing. I am not sure if this is a form of discrimination or some scam. For example, on the 'latest ' contract in for shortsale approval, XXXX different BPO/Appraisal people came out for the bank, within days of each other, XXXX is reported to just take pictures, no value dispute the other is told to do full BPO. When they go back to submit the work, the lenders request is cancelled. Why is the bank stalling to finalize this shortsale. The current buyer has to move out now by XX/XX/XXXX- he is going to have to walk from this sale, again like the other buyers, because the file is not being processed or moved along at fair market value. There are current water leaks in the master bathroom windows, no washer or dryer and AC that does n't really work. We have disclosed all of this to the buyers. Does the bank really want to work with us or not? Please stop wasting our time. HELP!!!!
I 've had multiple credit card accounts with American Express including business. In the last XXXX years of doing business with them never was a bill ever paid late. Due to the financial crisis I was forced to let go of my home causing my credit scores to drop but never the less I chose NOT to file for bankruptcy but RATHER fulfill all my credit obligations. It has been a challenge to increase my credit scores and now American Express dropped my credit limits from {$4200.00} to {$800.00} ( {$800.00} was the outstanding balance on card ) in XXXX card as well as drops to other cards. The impact and something affecting millions of consumers is that I went from XXXX % credit use to XXXX %!!!! maxing out my credit and consequently making my credit scores drop immediately. This is not the first time it has happened it happened once previously with American Express and once with XXXX. I think this is an unethical practice by credit companies to hurt the credit of good standing and paying customers there is absolutely no record of late payments on any of my credit accounts. I now questioned if I should 've file for bankruptcy instead to get new start. I contacted credit company and all they told me was that I should try and apply for credit increase which is nonsense. I have since closed all my accounts with American Express and contacted their XXXX offices where I was told I had to apply for an increase of credit and there was no guarantee that I would get the same limit. Clearly showed I was not treated as a loyal customer.
I disputed the XXXX account listed on my credit file XX/XX/XXXX. Experian responded stating they updated information. When I reviewed the information the payment history on the account makes no sense. The report the account with late payments in XX/XX/XXXX then charged off in XX/XX/XXXX then suddenly begin reporting late payments again of 180 days late XX/XX/XXXX-XX/XX/XXXX the suddenly begin reporting the account as a charged off account again XX/XX/XXXX. I had no idea that an account could report as charged off and report this way for many months then suddenly begin reporting late payments again years later. So I sent a second dispute in XX/XX/XXXX pertaining to this account and Experian responded stating they believed it was a suspicious request and they were n't going to address the matter. However, after reviewing my credit report tonight on line with Experian, I noticed that more information still changed pertaining to this account even though they were n't going to address my concern, the still allowed XXXX to report more inaccurate information. This time, the account reports as a late for XX/XX/XXXX-XXXX then charges off. It then begins reporting the account as 180 days late XX/XX/XXXX-XX/XX/XXXX the marks the account as a charge off XX/XX/XXXX, the again begins marking the account as 180 days late for XX/XX/XXXX and XX/XX/XXXX then again the account begins being marked as a charge off again. This is different than what XXXX shows and either way is completely illegal and only takes common sense to realize the account is misreporting. RAther than sending me back a letter stating that they suspect suspisicous acitivity with me, the should be suspecting suspicious activity with XXXX and the way they continue to report inaccurate and illegal information. I 'd also like to dispute the social security number reporting on my credit report that I 'm just now noticing ending in XXXX because that is not my social security number. I 've already provided Experian a copy of my social security number and there is no reason for a XXXX to report on my credit report other than the XXXX they have proof of.
I keep getting numerous calls for a debt I do n't owe, I verify social secutity number and date of birth with the XXXX on their files and it 's does not match, yet they continue to call me. I have asked them to correct their records but they have failed to do so. I have received more that XXXX calls in a month.
We purchased a home in XX/XX/XXXX ( XXXX ) - which was previously a short sale. All liens were supposed to be released by the title company XXXX ( now owned by Fidelity Title Co ). When we refinanced in XX/XX/XXXX we found out that the liens had NOT been released and that XXXX liens totalled {$1.00} mio. ( # XXXX lien : XXXX, # XXXX lien : XXXX, # XXXX lien : XXXX mio ). We were able to clarify the XXXX smaller liens but the largest liens has not been removed. The lien holder will not release this lien as the previous owner owes still so much money that they have not much else to leverage and therefore want to hold on to our home. XXXX/Fidelity Title has refused to take any action as we have officially not sustained any " damages ''. Recently, the lien holder threatened to foreclose on our house. While the title company assures us that we are insured in the amount of the purchase price ( what about the equity that we have built up in the mean time? ), it is very disturbing that they have not released the lien when it was supposed to be released. This now, threatens our family to lose their home with no fault of their own. I am horrofied. Whenever you purchase a home, please make sure that all previous liens have been properly released.
XXXX XXXX needs my bank to send it updated info so I can use the app properly
My husband, who died on XXXX XXXX, XXXX, took out a home equity line of credit which was used to back the mortgage on a cabin. The loan became due on XXXX, XXXX, XXXX. This loan was executed prior to our marriage and I am not on any of the title documents. However, I have in good faith paid the monthly interest, maintained the property, and worked diligently with a realtor to try and sell the property ; which is underwater by approximately XXXX XXXX dollars. I hired an attorney hired to represent me as no one was in the bank mortgage department would interact with me, other than through past due notices and written requests to provide letter of testamentary. In the meantime, several cash offers have been made on the property, after 2 1/2 years of no offers, and the bank has still not responded as to their intention. I am now receiving monthly past due notices and no one from the bank has contact either myself or my lawyer.
I sent out 3 letters & called more the one time to remove some things of my report that were inaccurate. Looking to remove them items & they goes as follows :   XXXX   XXXX   ( XX/XX/XXXX  ),   XXXX   XXXX   (  XX/XX/XXXX ),   XXXX   XXXX   (  XX/XX/XXXX  ),  XXXX  (  XX/XX/XXXX  ) &   XXXX   XXXX   (  XX/XX/XXXX  ).
I have very little credit history, so when I try and request my credit report it wo n't let me because my address, current employment is not up to date and it has little credit history to validate as well. I just want to correct my address, and that I do not have an employer now, but I now receive XXXX as my monthly income now. I have also disputed quit a few open accounts on my report for various reasons and they are suppose to be investigating that but I have not heard anything.
To : CFPB XXXX XXXX XXXX, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of this medical bill. I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX XXXX
In early XXXX ( when I was preparing to purchase a home ) I discovered there was a XXXX Bank Credit card reporting to my credit as delinquent. I 've never had a XXXX Bank Credit Card. I hired an advocate to help me to dispute the account on my credit as fraudulent. They showed the account was opened in XXXX, citing an old address in XXXX, XXXX, as the location the applicant had used to apply for the XXXX credit card. In XXXX, I resided in XXXX ( I was XXXX, XXXX, and have papers to support this ) so I used an address in XXXX for all services. My advocate challenged XXXX Bank to provide us proof in the form of the original application with a signature on it. XXXX Bank did not respond until XX/XX/XXXX ( dispute was filed in XX/XX/XXXX, so more than 90 days had elapsed ) to tell me that they 've assigned the account to Midland Funding Collection Agency. They 've still not provided me with proof that the debt is mine. All three credit bureaus now show Midland funding attempting to collect for the credit one account as well. I 've informed Midland funding that I feel the original credit card they 're trying to collect on is fraudulent, but they have not responded other than to send me collection letters trying to get me to pay on the account. Credit bureaus have been no help - they merely notate the accounts as " in dispute '' and claim it was resolved, but it was not. I still have n't received a signed application.
I have my loans through Navient. About 2 years ago I was forced to pay a much higher monthly payment then when it was XXXX XXXX I complained to them but it did no good. My monthly payment almost doubled from what it was. Since then I 've been making the monthly payments but it has not lowered my balance at all. According to my tax statement half my payment is going toward interest. I lost my job in XXXX and they gave me a six month deferment but I know that will just add more interest. This whole student loan thing seems to be nothing more than a profit making scam.
I have received several calls in the past 2 weeks from a debt collection company call XXXX XXXX XXXX XXXX XXXX. I was contacted concerning a {$340.00} debt in XXXX with XXXX. I was told that the debt was given to XXXX XXXX XXXX by XXXX ( another debt collections agency ) on XXXX XXXX, XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at XXXX XXXX XXXX was XXXX XXXX. XXXX XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to XXXX without any solution to my concern.
I had a total of 3 loans from XX/XX/XXXX to XX/XX/XXXX, With XXXX XXXX XXXX. In trying to collect, they harassed me at work, by phone, asking for unreasonable amounts of money I could not possibly pay, and were not willing to be reasonable to try to work out a settlement. In XX/XX/XXXX, they took me to court and I was sued for the full amount. They did not possess the original documents, but I wound up settling with them for a lesser amount to keep from paying the full amount.
Synchrony Bank took over XXXX of my credit cards. Those accounts are Sam 's Club Credit, Lowe 's Credit, BP XXXX Credit, and TJX Credit. Their actions on all accounts are similar. They refuse to send my copy of the bill electronically to my bank as XXXX for example did previously. They will only send it to me, however, they are not very good at doing that. Consistently, they fail to send me a monthly bill and then charge a late charge and interest. They claim to have sent the bill but provide no documentation trying instead to send me on a wild goose XXXX looking in the spam trap. They refuse to eliminate the late charges after the first but always charge interest, and they post against my credit record. They then call with threatening collection actions and even put XXXX card " on hold '' four days after the end of a billing period XXXX with a purpose of getting me to let them draft a minimum payment from my bank. I tell them that that will never happen and they do not like that response. I have no outstanding credit card debt and pay no credit card interest by design. I should not have to go through their clunky websites to get my bill on a monthly basis particularly since some of the accounts are not used on a monthly basis. I judge that it is no longer safe to have bills sent through the XXXX mail. Either this bank does not have the technology or chooses not to use the technology that we as consumers are accustomed to having available ; or perhaps this is simply their ploy to increase the revenue stream by creating late fees and charges.
I live in Hawaii. The time difference depending on the time of year is XXXX6 hours. That means that it is not possible to get in touch via phone. I have tried to use their correspondence feature but they either do n't reply or send a form response that does not answer my question. There website currently does not work well and requires constant switching between the old a new site. This now has been for years.
I am extremely concerned about privacy practices of this company. 
I was shopping for a new car and noticed a recent reporting from a collections agency. I disputed the charge in collections because I had already paid it to the property management company in XX/XX/2015 shortly after vacating the property. In response to my dispute, I received a letter informing me it is my debt to be paid and please refer to the lease attached. 
The lease attached was for an entirely different person at a different property managed by the same company. The letters included the full lease and all certified letters sent to this individual. I contacted the woman to inform her they had made this mistake and warn her to watch her credit report just in case they had done this before. She informed me she has had issues with identify theft and has been trying to dispute this charge for quite some time. I sent her a copy of the letter that was sent to me for her records. 
The order that the papers were in appears as though someone grabbed from a stack and assumed all of the papers below the letter addressed to me were mine.
This account was previously removed from my credit reporting files, over two years ago. I was never notified in regards to this account being reinserted.
I have become a victim of harassment and intimidation tactics by XXXX XXXX in an attempt to collect debt on XXXX XXXX. For over a year, I have received over 30 calls a day with threats to have me arrested for theft, threats to call my job, threats to come to my job sue me, and many other things that have caused me to spiral into XXXX. And causes me stress. I am unable to maintain my focus where it's needed as they call every hour on the hour. Yelling and using inappropriate language with every phone call to the point where arguments have ensued. I have asked them not to contact me as much as they do. I have tried to make arrangements, however, their intention is not to come to an agreement, but to collect the entire debt. The person 's placing this call have even gone so far as to threaten to post information about me on social media. I have already signed up for the DO NOT CALL registry and they still contact me. They are very unprofessional and disrespectful. Please, have them to stop calling me. It is to the point where I would like to sue them for this behavior. I have proof in my call records as well as phone recordings. Attached is a snapshot of the latest calls, as I have been deleting them.