WillisBack/dataset-financial-user-claim huggingface dataset:
TO WHOM MAYBE CONCERN I AM NOT YELLING I JUST CAN TYPE FASTER THIS WAY PENNYMAC LOAN SERVICER DOES NOT SEND ACCURATE MORTGAGE STATEMENTS THEY ALSO DO NOT ISSUE THEM ON THE CORRECT AND REGULAR BASIS THEY DO NOT SEND THEM AS PER THE FHA, HUD AND TRADE COMMISSION LAWS IF YOUR LAST DAY TO PAY YOUR MORTGAGE BEFORE YOU ARE CHARGED A LATE FEE WOULD BE ON THE XXXX YOUR NEXT STATEMENT SHOULD BE SENT AFTER THE XXXX  AND NOT A DAY SOONER. I BELIEVE THEY TOOK A LOAN OF MINE THAT WAS TO CLOSE IN XX/XX/2015 I HAVE DOCUMENTS THAT YOU CAN SEE THAT THE LOAN NUMBER ON MY HOME FLOOD INSURANCE GO FROM THE XXXX XXXX XXXX RIGHT BACK TO PENNYMAC ALSO MY HOME INSURANCE THE LOAN NUMBER WAS ON THAT AS WELL FOR A WHOLE YEAR SO I ASSUME THAT THEY STOLE MY MONEY ALSO MY PENNYMAC LOAN ALL TRANSACTIONS SHEET DOES NOT LOOK ACCURATE THERE IS NOT A CONSISTANT AMOUNT OF FUNDS GOING IN THE ESCROW ACCOUNT THEY HAVE COMPLETELY STOLEN FROM ME FOR YEARS ALSO MY LOAN IS A FHA LOAN AND THERE IS NO WAY THAT MY FHA LOAN HAS GONE FROM A XXXX  WHEN IN FACT IF I DID NOT GET THE LOAN TO XXXX   ALSO ON THE ALL TRANSACTION SHEET THE ERASED A LOT OF TRANSACTIONS THE IS SO MUCH HANKY PANKY GOING ON WITH MY HOME LOAN PENNYMAC HAS NO BUSINESS IN MORTGAGE SERVICING AT ALL.AND IT IS TOO COINCIDENTLY MY PAYMENTS ALMOST MATHCED WHAT THEY DO NOW MINUS THE CEDIT CARDS SO IM SURE THE STOLE MY MONEY.
I have been having issues with the information on my credit report. 
My only address XXXX XXXX XXXX, XXXX, OH XXXX. 
My Current Employer is XXXX Please delete/remove this following address, I do not live at XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mines please delete/remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
I have been trying to apply for auto loans thinking I would be sorting through a bunch of offers deciding on the best  one. For days I kept getting rejection notices. Finally, one of those gave a reason ... my credit score  is over  XXXX  points lower than it should be. I immediately applied for a credit report. After analyzing the report I found an old  XXXX  account that has been trying to collect {$120.00} that was paid years ago. For the past 3 years they have been reporting to my credit report that I am delinquent on it without any notification to me. I no longer have any record of this payment since this is from 3 years ago. I have spent hours on the phone with  XXXX  and they keep giving me the run around.
I have been deferring my student loan for 5 years now. For many different reasons, but most of them are due to several XXXX issues. Issues that I could not describe in less than XXXX characters. I have lost my job in XXXX twice, due to budget cuts. I have been XXXX challenged in ways that have required XXXX, XXXX, a trip to XXXX XXXX, I could go on forever. Since Navient took over XXXX XXXX, they have been harassing myself and my family via email, usps, and phone calls. Four or five times a day. I have records of all paper and email. The email correspondence just requires a " yes '' reply to defer, but the phone calls keep coming, especially to my mother, who is in no way connected to my loans other than she signed for a private loans for books with XXXX XXXX, and that was paid off years ago. Again, I have proof. I feel that I am a number. That my medical condition in which has not allowed me to work is not considered. The interest keeps piling up, and the harassment to my poor mother who just had XXXX continues as they call her phone, three times a day, at least. Medical information can be provided upon request. Basically, I can supply any information needed. I do not feel I have been treated fairly, nor do I condone their harassment. Any and all feedback is appreciated.
On  XXXX   XXXX ,  XXXX  -  Best Service Company pla ced a derogatory on behalf on  XXXX   XXXX   XXXX   XXXX , my previous bank despite being placed into in the Chapter  XXXX  bankruptcy that was filed in  XXXX  and discharged in early  XXXX .  XXXX   XXXX   XXXX   XXXX  an d Best Service  has acted in bad faith by placing a regulatory mark after 18 months of bankruptcy filing.
I have been in contact with my bank regarding my mortgage loan since XXXX XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the XXXX credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even further. I have brought this matter to USAA/XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only XXXX has received any updated information. That information is still not submitted correctly by USAA/XXXX. I have been given the run around and the issues still have yet to be corrected by USAA/XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit scorXXXX reinstated as USAA/XXXX should legally be doing after they failed to report payments made on my mortgage loan since XXXX XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX XXXX
I have been getting payday loans from this company for years and this month because my last was not within 30 days of XX/XX/XXXX they had to date this month 's loan for XX/XX/XXXX and instead of holding it for XX/XX/XXXX in good business practice. Instead they deposited it on XX/XX/XXXX. Other companies call and ask if that date is okay or not. I was charged a {$29.00} NSF. They did call me and tried resolve the issue but the Area District would not okay the return of the fee. I know I was not the only one with this issue because the clerk at the center told me so.
As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is  PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.
I've been requesting since last year verification & validation, according to the FCRA. This company has been given Section 623 letters of the FCRA and have refused to provide me with any physical proof regarding this account. I informed them that the original creditor is not XXXX accredited, their business can't be found through CFPB website, they have no website or email address, they don't give information over the phone, and they don't have any contract between them and myself ... That being stated, why is this on my report?! I don't even know who the heck these people are! This is my THIRD time reporting them to a higher agency/bureau. I've given them my social yet they state I haven't given enough information? That's XXXX!
Good Morning, I contacted IQ Data International in XXXX this year in reference to a debt that does not belong to me. I requested debt validation and realized months letters that I never received any information that proved that the debt belongs to me. I have no contract with the company and again request proof of the debt in question in the form of a I sent another letter dated XX/XX/XXXX requesting validation once again. I received a letter from IQ Data stating they do not have to validate the debt and will not send the information requested. The letter was dated XX/XX/XXXX. 

This is not satisfactory as not only do I not the debt but there has no information satisfactorily sent to me proving that the debt is mine. 

I call in to question the validity of the debt considering that IQ Data was part of class action lawsuit for improper collection practices.
I open this checking account in XXXX with PNC. As I consider myself an informed consumer I was very aware about overdraft protection being a requirement that a consumer Optics 's in to that protection. When I opened this account I was very upfront and direct that I did not want any type of overdraft protection and that I would not be opting into that service. From what I perceived, in the past I was not being charge any overdraft fees. But recently my account did get overdrawn and PNC charged me an overdraft fee. Not only did they charge me an overdraft fee but they charged my account an additional XXXX dollars a day every day the account was overdrawn. As I was not aware that my account was sign up for the service I was under the impression all charges would be denied. just to give clarification these charges were not checks or ACH which I know are not covered under the overdraft opt out choice. These were direct debits. 

I called PNC and explained the situation and talked to a CSR on XXXX/XXXX/XXXX. I told the Car that I never sign up for OD protection. I was then told that originally the account was setup without OD protection but a few days later it was switched to what they call a protected account. They setup a virtual account and cover expenses from a savings. She stated this protected account does not require opt in or allow for opt out its automatically setup to draw from one another or you will get charged. I told the CSR that I understood but that is not what I sign up for and that I never opt in for any type of OD protection. For the account to change type or setup to change a few day later without my consent or acknowledgment was deceptive and unfair. I filed a formal complaint over the phone at that time.
My mortgage was sold to Regions bank during the first year of having it. I wasrequired to sign up for a new online account with a bank I wanted nothing to do with in order to maintain my mortgage. Early on this wasn't that much of an issue, but in the last year Regions has become more aggressive using my personal information in attempts to try and sell me services that I do not want or ask for even though I have reported to them many times that my information is not for them to use as they please. I have asked multiple times to be removed from any and all lists that do not pertain directly to my mortgage statement and while I am assured every time that this has been done, I will receive something else the next month. They also don't provide any means to unsubscribe from their mailing lists in the emails I receive. I want this harassment to end.
DEAR CFPB - WE SUBMITTED THIS COMPLAINT TO YOU XX/XX/XXXX, AND IN LESS THAN 24 HOURS WE GET A REPLY  STATING THAT DITECH IS UNABLE TO RESPOND DUE TO : The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. THIS IS BEYOND INCORRECT! PERIOD. DITECH IS BEING DECEITFUL and further DITECH IS THREATENING US WITH FORECLOSURE DUE ITS OWN GROSS FAILURE AND  INABILITY SO PROPERLY RECORD OUR PAYMENTS! HOW CAN THIS BE ACCEPTABLE TO THE CFPB. DITECH IS LYING TO YOU BY SAYING THEY ARE UNABLE TO RESPOND - - -- THEY ARE ***UNWILLING***** TO RESPOND. DITECH KNOWS IT IS WRONG. AND ITS A COP OUT THAT THEY SAY THEY ARE UNABLE TO EVEN SEND A TIMELY MONTHLY MORTGAGE STATEMENT!?!?!?!?!?!? HOW CAN THE CFPB AND FTC ALLOW THIS COMPANY WHO MERELY CHANGED ITS NAME FROM GREENTREE TO DITECH DUE TO THE COMPLAINT YOU THE CFPB INITIATED AGAINST THEM IN XX/XX/XXXX FOR THESE EXACT SAME PROBLEMS GREENTREE PERPETRATED TO THE CONSUMER WHICH THEY ARE STILL PERPETRATING!!!!!!!!
I was full time in college for four years 3 and a half hours away from home and was not working because I was in school full time. I got the loans through XXXX XXXX in which two of them were then turned over to Navient (I had no idea). All of a suddent, I randomly started being harrased via telephone stating I had to pay X amount of money OR ELSE. This happened about twice a day for maybe 3-4 months. They would call asking for my credit card information which I never gave because they never sent me anything via mail as requested before I just went and gave out my credit card info. Eventually, I received a letter from an asset management stating my 2 loans totaling close to $XXXX were WRITTEN OFF and my credit became a XXXX. I never started to build credit and when I went to go get a car loan was denied because of the charged off loans. I am now XXXX years old and can not get a car or an apartment because of my student loan WRITE OFF. Obviously I would have paid the payments six months after graduation as that is what I signed up to do. I try to contact Navient because the Department of Education is stating they have my loans and after waiting for almsot half an hour EVERYTIME to speak to someone at Navient, they say they have no record of anything for me. I even just received an email from Navient on XX/XX/2017 seeking payment but when I call they have no information. I do not know where to turn or how to get help. I feel so lost due to this issue and literally can not even move out or get a working car because of this. SOMEONE PLEASE HELP ME.
I have Chase XXXX Credit Card with JPMorgan Chase and I was charged {$37.00} in interest despite having paid my balance. I reached out to JPMorgan to informally resolve the issue, but was just given formulas and told the {$37.00} would not be given back. Right now my full balance is paid and has been since my statement ended. 

I believe Chase either intentionally or mistakenly took {$37.00} from me. XXXX # XXXX so I will fight back, but who knows how often JPMorgan Chase is either intentionally or negligently taken consumers money. 

You can reach me via e-mail at XXXXXXXXXXXX or on my cell at XXXX XXXX XXXX XXXX.
Bank of America is using fraudulent information in regards to a previous account that I owned that was defrauded. For which I filed a claim, which was rejected. Therefore I was held responsible and made to pay back money I had n't gotten in any way, shape, or form. I filed a police report to no avail. I requested evidence of the claim by bank of america, they declined by saying the evidence is proprietary information. I requested bank footage to substantiate the claims by bank of america, they refused on the grounds that they require a court order, So while not admonishing any facts related to the false information bank of america is disseminating misleading, false, and libelous information to a third party reporting agency preventing me from opening a bank account at any institution. I demand this blatant abuse be stopped or I 'll be contacting legal counsel.
We set up a payment plan, signed XXXX/XXXX/XXXX, with XXXX, and every month we paid on time. This was due to financial hardship. The agreement was to skip XXXX XXXX 's payment, pay our regular payment of {$2100.00} in XXXX, then were to pay {$3000.00} for XXXX, XXXX, and XXXX. This came with the guarantee from the company that it would not effect our credit. We had paid late fees within this payment plan. We have the payment plan agreement and the bank statements to match. Every month paid on the payment plan, the company reported us as " 30 days late ''. Their statements did not match this. The company refuses to see a problem or admit any fault. Help please! 

A side note, when I called to make our first regular payment in XXXX, when the payment plan was supposed to be done, the man on the phone said we would not be current on our account unless I paid much more than our original payment. Though this did not make sense, I paid it, to ensure my credit would not be ruined by this. They are now holding that extra money. It has not been put towards any part of our mortgage. Around {$800.00} is just sitting there, like we never paid it. We again, have called over and over, with no one who can explain, or help us with this.
On XX/XX/18 company XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I did not authorize this inquiry I requested information only I received an email I would be contacted I was never contacted to confirm this inquiry. 
I contacted transunion, and informed the above company would have to send a letter of removal, I then called above company and was told they do not give letters. This unauthorized inquiry has now reduced my credit score.
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   2014  90 days past due as of  XXXX   2014    60 days past due as of  XXXX     2014  30 days past due as of  XXXX   2014    I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have made several attempts with this company to receive the proper debt validation on this debt they allege I owe them. There have been multiple certified letters and to date the information requested has not been provided. The collection agency has reported this debt verified to the credit bureaus so I am well within my rights under FCRA to request the legal supporting documentation to validate this debt. As you can see, United Revenue will only respond that this is an emergency debt and my claims are frivolous. Requesting documentation that validate this debt that are reporting on my credit profile is not frivolous. If they have proof of what is owed and can validate this debt then they should not have no issue supplying what is requested. This explains why there are multiple unanswered complaints from them to the Better Business Bureau-their operation is not being conducted legally!
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
I am trying to get money refunded of the amount of {$90.00} using Paypal. I payed this money to a person named " XXXX XXXX '' living in XXXX who said he would give me two accounts on a a game called " XXXX '' for that price. We agreed over XXXX on XX/XX/XXXX that on the XXXX of XXXX, I would receive my accounts as he has accepted the money transfer and I have shown proof of the purchase. It is now early XX/XX/XXXX and this person has continuously dodged my questions and will not hand over the required property. He has now said that he wants me to send his step-dad {$40.00} to ensure the account even though that wasn't the agreement. I have filed a complaint through the resolution center on Paypal and waiting for a response. I figured contacting this company would help ensure this money is refunded as it is a lot to me and would like it back as it is rightfully mine. 

Screenshots of conversation ( I am XXXX in conversation ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Nationstar Mortgage I was informed that my loan modification payment would be XXXX/month I received a notice to pay XXXX XX/XX/2018 with a 7.2 % interest rate. 
This company has collected government payments under my social security number.
FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax
I have complained before about our family home of 23 years being stole from under us by Huntington Bank Mortage. We paid everything they asked and they still foreclosed on our house. My grandson who is XXXX XXXX XXXX now is now in counseling because of the XXXX this bank has put us threw. It took " 5 years '' to foreclose on the house according to Huntington Bank. The XXXX XXXX sheriffs office harassed us for months and we finally packed everything into a storage unit and had to leave a lot behind and left. Then on XXXX XXXX XXXX ( my daughters birthday ) they sold the house as a sheriff sale to Huntington Bank for {$48000.00} ( who " owed '' the house in the first place ). Then XXXX5 months later Huntington Bank sent me papers stating I needed to insure the house which we do not own. I called the higher up at Huntington Bank and they stated there is no record of the house being sold and/or foreclosed on. We then received another notice a month or so later stating we still needed to insure the house. Then on XXXX XXXX XXXX at XXXX we found out that the house was going up for a public auction online where the auctioneer stated the house was sold but XXXX XXXX still has the house in Huntington Bank as the owner. We have been threw XXXX with this bank and I am very disappointed in this Bank as well as XXXX XXXX. There was no professionalism at all dealing with this house and will NEVER have another bank loan again! We are currently living with family members and my daughter and grandson are now in government housing.