WillisBack/dataset-financial-user-claim huggingface dataset:
I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$430.00} '' and that my " account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$430.00} ( please see attached payment receipt and bank statement ) and XXXX XXXX reported my account as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
We were unable to make our mortgage payments for a while and tried to apply for a HAMP which was denied by PNC Mortgage. At that point we made an agreement with the bank to do a short sale. We received a short sale offer which was denied by PNC. I believe the BPO that was sent to the bank was too high for a short sale property. The listed amount was as high as a house selling for top dollar in our neighborhood. We went to PNC Mortgage with a counter offer and that was also denied. I believe that PNC Mortgage is trying to for us into a foreclosure rather than accepting the offers for the sale. I had also written to PNC Mortgage asking for the information of our loan investor and never received a response.
I asked for an audit done on my federal student loan accounts with navient two weeks ago. I asked for the audit because of recent events and because I can not see on any statement how interest is applied to my account. I can see an interest rate and simply that there is interest being applied for each loan. When I asked for an amortization calendar, they refused to provide it and gave me a calculation to show how interest should be applied. What is so infuriating is that I know that any other type of loan would show me specifically how interest is applied month over month ( mortgage, credit card, auto loan, etc ). What makes it okay to take advantage of young people coming out of college? 

An additional concern is that in the past I could apply extra funds in my payments to specific loans within my account. This is n't the case anymore. Whatever lump sum i pay in addition to my bill is distributed by them, so I literally have no idea how that money is applied. They say it 's applied to fees first, then interest, then principle. They have never provided a statement of those payments after I made them though, so it is unknown how much is being paid where and if I 'm paying future interest charges or if I 'm taking care of my principle. 

Please hold them accountable to do the right thing. I work for a financial institution and have been lucky enough to have a good job with great pay, and I 'm still watching my student loans not go anywhere. I 've only been out of school for 6 years and the tax protections for writing off student loan interest do n't apply to me because of my income level, yet, I ca n't seem to make dents into my student loans. 

Please help me get information on my loans and audit navient to ensure they are applying payments correctly.
In  XXXX    XXXX  , the medical lab,  XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from  XXXX  which I forwarded to my doctor 's office. They called  XXXX  who assured them the matter was taken care of but I continued to receive bills from  XXXX , and now from debt collection companies.
A card authorized to my mother by my fathers credit card was falsly reported on my credit report. Per XXXX XXXX ( XXXX/XXXX/2017 ), they do not have my ss # on file for this cc or for it to show up on my credit report only the shared name of my mother.
Here is the deal ... I do n't owe a debt collector as this issue is with Collins Asset Group and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to XXXX credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You
On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX  credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX  and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.
A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.
On XX/XX/XXXX, I completed a purchase using my American Express Credit Card. The purchase was through XXXX XXXX for a concert that would occur XX/XX/XXXX. When making the purchase in the amount of {$360.00}, I should have received an email confirmation of my purchase and online tickets to be used at the event. After contacting XXXX initially I was told that the confirmation would be provided 30 days prior to the event and that I would have to check back at that time if I did not receive my confirmation which made sense at the time of my call. As the event came closer I continued to check my email for confirmation of my purchase but never received the tickets or the confirmation. 
The only confirmation that I had was the charge that showed on my credit card dated XX/XX/XXXX. I also made payments on that credit card as agreed including principal and interest. Once it was within 30 days of my event, I then made follow up phone calls to XXXX and was told that the purchase was not made and that XXXX had not received a payment from me or American Express. They further instructed me that I would have to contact my credit card company because American Express had not processed my payment for the purchase. 
As the time of the concert came about, I then made a second purchase of tickets for the event as I had been told by XXXX that my purchase was not complete and that I would not have access to the event because I did not purchase tickets. I made that second purchase on XX/XX/XXXX for an additional {$360.00} and the sale went through as agreed. 
I then contacted American Express and filed a claim as instructed by XXXX that the payment was not processed as agreed. American Express then provided documentation, claim reference # XXXX that the payment had been made. I again called XXXX and this time I talked with a lady who identified herself as a supervisor named XXXX, employee id # XXXX, and she again said that my purchase had not been processed and that I would have to contact American Express. 
After several additional attempts with both parties, I find myself in the blame game between XXXX companies who do not want to acknowledge fault. XXXX contends that they did not receive payment for the tickets and will not reimburse me for the tickets that I should have received. American Express contends that they made payment and do not have a liability whether I received my goods or not. My only goal at this point is to receive a refund of {$360.00} for the merchandise that I purchased but did not receive and I hope that the CFPB can assist me.
Pennymac Loan Services bought my original mortgage from XXXX XXXX XXXX in XXXX XXXX. I have an exemption at the court house stating my property taxes do no increase due to XXXX XXXXXXXX. Pennymac is the responsible party for my escrow account, in this matter. I received a check in XXXX stating I was over paying on my escrow account, then a during XXXX of XXXX received a statement stating my escrow was increasing and reflected a negative balance for the cushion. In XXXX of XXXX, the County contacted me stating my property taxes had not been paid, and my name would be submitted to the local newspaper. After contacting Pennymac, a payment of XXXX dollars was paid to the county for delinquent taxes. I have now received another statement stating my escrow account is XXXX dollars in the negative, and they require an additional XXXX for a cushion. I called the company and it was explained they were under the assumption, my CO taxes were XXXX dollars a year, and due to the XXXX dollars paid in XXXX for the delinquency and the additional XXXX - which is my actual yearly property taxes, were paid, including my XXXX hazard insurance - my account requires XXXX dollars to be current. My first issue, is the escrow account and payments are their responsibility, they purchased my account, and I am forced to allow them to handle my escrow account. Secondly, if they paid a delinquent payment in XXXX, how did it take almost 9 months to determine my correct tax amount, and why is the mismanagement of this company constituting a financial hardship on my behalf. I could have budgeted all year long, had I been in charge of my own finances. I have just accepted a lower paying job and am not prepared to pay an additional XXXX dollars for my mortgage a month, after I made this career choice based upon my budget. This happens to be XXXX as well, and receiving a debt collection for XXXX dollars for Pennymac 's poor management, is absolutely unacceptable. In addition, they have maintained this account almost two years, their mishandling should not change my life drastically.
This is the complaint I sent after 3 months trying to resolve with Chase : Cardmember Services Chase CC XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I have been a Cardmember for years, paying thousands in interest into Chase,  and recently, back in XXXX, I paid my card off completely, trying to improve my credit score. I paid something over {$1700.00} at the time. {$0.00} balance. I had not been looking at statements for some time, mostly lazy. With a XXXX balance I noticed that I was being charged by two companies for nearly two years, roughly XXXX 2015 timeframe, after I closed my accounts with them ; XXXX and XXXX. Heck, Ive been married now for over a year and a half. I submitted an inquiry through your secure email system and was told I would not have to make any payments while disputed. A few weeks ago, I saw my credit score and it actually went up, and I had a late payment due on my Chase card. I am very surprised that such an organization is capable of such a thing. I just paid {$130.00} on my {$0.00} balance card so that Chase would not further damage my credit. That sounds kind of wrong doesnt it? Let me say that again : I paid {$130.00} on my {$0.00} balance card. Criminal in my mind. I am requesting the following : 1. reimbursement of the {$130.00} I just paid, which includes late fees and interest charged on a {$0.00} balance account, a practice I also consider criminal 2. discontinuance of any payments to XXXX or XXXX 3. I want letters sent to the three credit reporting agencies clearing this recent blemish created by Chase 4. I would like a letter of apology for the unnecessary grief caused by an uncaring mega bank I am a 25 year XXXX XXXX XXXX, and a veteran of XXXX tours to XXXX, and dont appreciate being treated this way. Sincerely, XXXX
I initiated a dispute in XX/XX/XXXX for a fraudulent purchase on my credit card ( CITI ) for {$170.00}. The purchase was made online with a company called XXXX. The product I did not order arrived at my address. First of all, Citi failed to notify me of any resolution to my dispute via mail or phone. I contacted Citi when I saw the {$170.00} charge back on my account. It was explained to me that I am responsible for that amount because the product ( that was purchased fraudulently ) arrived at my address. I tried to work with Citi and contacted XXXX. Their reply was simple, they are not responsible for fraudulent activity used to purchase their products and would n't even provide a return label to send the item back. After receiving an electronic copy of the investigation that Citi performed for my dispute, I contacted them letting them know that the phone number, IP address, and email address, that they used as evidence to show that I am responsible for the charge, was incorrect. The only response I am getting from Citi now is that the case is closed and there 's nothing they can do, I have to pay the charge. Why is there no appeal process and why was the decision made so quickly and without contacting me to verify my information instead of assuming that it was me and holding me responsible for a purchase I did not make?
Rushmore Loan Management Services is the lender. I have a fixed BK XXXX Federal Court Ordered payment, Case # XXXX with a rate of 5 %, 25 year, PB {$100000.00} onXX/XX/XXXX. I have been paying P & I of {$500.00} since the Federal Court Order for the 5 years, and 2 years after the discharge my P & I of {$500.00} to continue thru 25 years until paid per the Court Order. Rushmore increased my payment of to {$800.00} to include real estate taxes afterXX/XX/XXXX, and then told me inXX/XX/XXXX my P & I was increasing up to {$590.00} telling me it was amortized incorrectly, I let them know they could not do that, they agreed to look into it and then I would continually get letters telling me I was in default, but when I called they said just ignore, they can't stop the letters, they are looking into it. I called my BK Attorney XXXX XXXX, she said I am not allowed to pay a payment other than the Federal court ordered amount, except for real estate tax escrow, if increases ; she said the lender can not change Court Ordered P & I of {$500.00}, they had 5 years during the plan, and before the discharge, and have accepted the Court Ordered payment another 2 years after. My annual Real Estate taxes for XXXX is approx {$3800.00} /12 months should be XXXX and tax increase is more than it should be at {$410.00}, raising my total payment to {$1000.00}. Rushmore is sending me threatening letters now telling me I am in default after they told me they are trying to resolve the mix up, but tonight I received another letter telling me I am in default of my mortgage. 
P & I should be {$500.00} and real estate tax portion should be {$310.00} for a total of {$840.00}. I agreed to their increase up to {$890.00} and have been paying that amount assuming the difference was for the tax increase, but they said the difference is in the P & I, but they also increased my real estate taxes way over my XXXX real estate tax bill. ( copy  enclosed )
I was   XXXX   XXXX   XXXX   requiring  XXXX  back in  XXXX    XXXX  , and I was brought to the   XXXX   XXXX   XXXX  Hospital   where I received the  XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at    XXXX   XXXX   XXXX    in   XXXX   XXXX  , Georgia. I do not believe I owe a debt that has been on my account for several years now.
State Farm Bank and XXXX XXXX office failed to verify the identity of an applicant which resulted in a loan being applied for, approved, funded, and reported to my credit bureau. State Farm Bank failed to abide by truth in lending regulations, fair credit reporting act, and the patriot act. State Farm Bank and XXXX XXXX office was NEGLIGENT in failing to follow and committed fraud when they allowed the present applicant to sign that all information was correct and had been verified.
XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. 1 ) XX/XX/XXXX/ no amount listed only has XXXX XXXX XXXX XXXX. beside their name. ( XX/XX/XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XX/XX/XXXX/ no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XX/XX/XXXX/ No amount listed only XXXX XXXX XXXX. listed. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquiry/ No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry from XX/XX/XXXX - Mail Order Firms This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Card Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. 
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. 
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC.
In XXXX of 2018 I took out a mortgage with a lender and had payment set up at closing. Then my loan was sold/transferred to Amerihome Mortgage. As soon as it was possible I set up autopay with Amerihome and even received confirmation that it was set up. Unfortunately due to reason related to our bank account name not matching the name on the loan ( I had used an LLC name on my bank account ) it was rejected by Amerihome. By the time I received notification I was late on my payment. I then called and attempted again, following directions provided by Amerihome to remedy the situation regarding the names not matching. I provided proof from the bank that the sole signors on the bank account matched the name on the mortgage ( me and my partner ) and was told that this should fix the issue. Again it failed to work and by then I was late another month. By the time I fixed the situation on a third attempt my credit score was severely affected. I called Amerihome about this and was told that it would be in my best interest to file a dispute to all credit bureaus on my own as it would be a faster resolution than if they did it on their end. I took their word for it and almost 60 days later my credit score is still down by nearly 100 points. I have never missed a mortgage payment on any mortgage before this and have worked very hard to maintain a high credit score. I don't dislike Amerihome, I just want my credit score to be returned to where it was.