WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is serviced by : PennyMac XXXX. XXXX XXXX XXXX XXXX, CA XXXX I have made on-time monthly payments for the entire term of the loan, including payments for additional equity reduction. PennyMac has incorrectly applied my payments every month, often by applying the additional payment to the following month 's payment ( more than a month before the payment is due ). For the last five months, I have had to call them every month to get them to correct errors in how my payments were applied. PennyMac 's incompetence has hit a new high this week when they sent me a letter stating that my payment was more than 30 days overdue and that my loan was in default. 
I have sent them an e-mail alerting them to their error assuming that will start the reconciliation process. At this time, I do not know if they have reported this false information to credit agencies. 

PennyMac 's practices should be investigated.
I have been trying for 2 months to payoff my mortgage which has a high rate, and I 'm retired. I have called Dovenmuehle consumer service dept. to complain on XXXX, XXXX, XXXX, and XXXX, each time doing exactly the required paperwork and sending it US mail, email, and their internal email. I am told each time that they have records of my calls, but not the written requests, and will not take phone requests. On XXXX, they finally put me through to a. Supervisor who told me he would personally guarantee that the payoff info would be sent out the next Monday.. It is now 10 days later, and no word. Today, their automated system would not even recognize my loan number. We told them in XXXX about our address change and repeated the new address on every phone call and written correspondence since. HELP!
I am requesting for Equifax as well as XXXX XXXX XXXX to remove late remarks from my credit files. I have always paid on time and never been late.
XXXX XXXX XXXX closed my business cell phone account & released a letter, XXXX-16, that my balance on such account was {$0.00}, They then turned my account over to a collection agency, XXXX XXXX XXXX, for {$310.00}. I contacted them and told them i did not owe this. Now I am getting bills for {$310.00} from another collection agency, Diversified Consultants. I called them but they hung up on me. This last one has now gotten private information from some data base and is calling my son who has no relation to this problem at all. He has not lived at my address for 20+ yrs. They have invaded my and his privacy. I need help and will have to get an attorney if this is not cleared up. XXXX XXXX
I have multiple credit inquiries on my credit report that I did not authorize and it looks as if the same company ran my credit and then would wait a few months and run it again, But since XXXX of XXXX I have had XXXX new inquiries that I did not authorize and I got an email about the XXXX breach and I followed the link to see if my info had been XXXX of the ones affected and it was. I have since put a fraud alert on my credit but when contacting the collection agencies which I have several times they are no help and they just tell me that I have to wait 2 years for them to fall off. I have XXXX from XXXX XXXX being XXXX XXXX XXXX for XXXX XXXX. XXXX from XXXX XXXX XXXX and XXXX for XXXX XXXX, and XXXX from XXXX.
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE  NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.
Midland Credit Managements has begun calling me incessantly and I do n't know why. I have no outstanding debt, all accounts are up-to-date, my credit score is in the XXXX and yet they keep calling. XXXX calls today between XXXX XXXX and XXXX XXXX ( Tuesday, XXXX ). I have asked them to stop XXXX by calling ( XXXX ) and by email ( www.midlandcreditonline.com/ ) and they continue to call. The only thing I can think is that they are calling for information on a relative who has some outstanding debt but that has nothing to do with me. I do not have any past due accounts and need these people to stop calling me.
Walmart card services continues to report conflicting information between the XXXX credit agencies. They have independently verified reported Information, to XXXX, XXXX, & XXXX ; even though information reported to each credit reporting agency is incorrect, and/or conflicting. They report to XXXX that my date of XXXX delinquency for their Walmart credit account # XXXX is XXXX. They report to XXXX & XXXX that my date if XXXX delinquency is XXXX. AFTER REPEATED DISPUTES & COMPLAINTS, They respond with, " This account has been transferred. '' ********HOWEVER, the factoring company can not, fix the information reported by the original creditor!!!! THE ORIGINAL CREDITOR MUST DO THAT, or delete their account off of my credit reports!!!!! XXXX Note : Walmart credit services, the factoring company on this account can not change information that you have reported, YOU MUST DO THAT!!!!!!! Yes, ... YOU!!!!!!!!!
First Citizen 's Bank in XXXX, NC. We opened a new checking account with this bank in XX/XX/XXXX. The bank was very inconsistent with its check cashing policies and this caused many inconsistencies with funds available for purchases. I called the bank in XX/XX/XXXX to ask them questions regarding the posting of funds available and the balance amount, check deposits. I told the representative with all the confusion and inconsistency and change in balance and fund availability that I wanted the bank to stop paying checks and authorizing purchases when the funds are not available. The representative told me she would change the account to a no overdraft coverage status. She told me no charges would come through unless the funds were available to pay for them. 

They lied. They continued charging over draft fees. I called again and asked to place the account on no over draft,, again they told they would. I told them I had called in XX/XX/XXXX with the same request. The representative told me they could pull up the phone conversation. They said they would research and verify the request, ( now there were two on file ). They told me they could not find them. 

We have hundreds of dollars in over draft fees. The bank ignored my requests to stop paying for items without the coverage in the account, moreover the balance showed many times the funds were available and still we would get over draft fees. 

We have never had an experience like this with a banking institution. I know they have those recorded conversations with my requests to stop over draft payments. And they intentionally ignored my requests in order to generate fees from our account.
I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : RECEIVABLES PERFORMANC Account Number : XXXX Date : XX/XX/2018 Amount : {$660.00}
T he Company has  people call me from  XXXX , the  XXXX  saying my property is going into foreclosure.   They call in the middle of my work day, ca n't understand them then they say the have n't received payment.   I have been in good standing since  XXXX     2012!    Have not missed a payment, still trying to sleep at night.   This is my custom built farmhouse. Still working on my credit.   I believe it 's harassment.
OnXX/XX/XXXX, I went to a XXXX dealership ( XXXX XXXX ) to test drive new cars. The sales rep ( XXXX XXXX ) said they would need to run a soft pull to estimate pricing for me. I specifically asked if this would be a hard pull, and the rep assured me it would not. He said a hard pull would only occur if I decided to move forward with an actual lease. On XX/XX/, I received a notification from XXXX  that a hard pull was indeed made on my account. 

I in no way authorized a hard credit pull on my account. The dealership fraudently asked for my information to conduct a " soft pull. ''
I believe Great Lakes is over calculating interest amounts in their favor and therefore overcharging all their account holders for student loans. I friend of mine discovered that Great Lakes was charging a XXXX over every month on his student loan so I decided to check my loans as well. One of my loans with Great Lakes was overcharged a XXXX as well. Overcharging XXXX XXXX on millions of loans could be occurring and I'm asking the Bureau to investigate. Below are my figures to back up my claim. 

Principal Balance : {$720.00} Interest Rate : 3.150 % Last payment : XX/XX/2018 Today 's date : XX/XX/2018 Days difference : 20 days My formula used ( Principal Balance * Interest Rate ) XXXX # of days = interest amount My formula with amounts : ( $ XXXX % ) /XXXX*XXXX = XXXX However, Great Lakes states my interest is {$1.00} which is XXXX XXXX over. 

Please open an investigation.
1. XXXX XXXX- original creditor ( XXXX ) XX/XX/XXXX balance {$1200.00} 2. dept of Education- XX/XX/XXXX Balance {$1600.00} 3. Dept of Education- XX/XX/XXXX Balance {$630.00} 4. Dept of Education- XX/XX/XXXX Balance {$1000.00}
I spoke to my rep today XXXX XXXX and there seems to be a lot of mix ups happerning concerning my account. 

1. The liens are still on my account they were not removed. There were XXXX or XXXX totaling XXXX and a XXXX judgement all for illegal liens for back maintence that at the time I was not behind. the modification was completed after these liens were still there and not subordinating nor any inquiries made by Title or Wells Fargo. 
Modifications were not permitted with liens, still unsure how this all happened ad XXXX still stating the liens were not there per there title company. 
2. Wells put a claim into the title company for these errors - a claim for the liens 3. Ask for deed in lieu papers and short sale papers - nothing received to date 4. Asked why if I 'm behind I have not been offered any form of assistance modification wise. XXXX offers a principle reduction. The loss mitigation department says I 'm not entitle to one, XXXX mac says different. How do you determine without processing an application 5. asked if Wells offers any assistance to stop a forclosure from the association XXXX lien. 

This is a recap of the items discussed. 
The explanation that the title issued was settled months ago is untrue. Noone has held the title company liable for the errors made.
I called and spoke with a representative at   XXXX   and Experian  credit  reporting I have sent in documentation showing that I have paid my balance in full with  XXXX   XXXX   XXXX .    XXXX  continues to report a balance of {$11.00} on my report from  XXXX    XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted. Reporting this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.
The Department of Education decided -- without payee authorization -- to put loans in forbearance for all those who were " affected by the CA wildfires. '' However, they did this by providing a list of zip codes to the loan servicer without actually verifying whether or not I was actually impacted by the wildfires. I was not impacted by the wildfires and I did not want my loan put into forbearance. Because it was put into forbearance without advance notice to me and without my authorization, I now incur an additional month of interest, an additional month of payment, and I must serve an additional month in federal service to qualify for PSLF. 

This same thing happened to almost every military borrower in the XXXX XXXX metro region, and I am certain that many were unaware of the change. This causes an undue, unauthorized hardship.
This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX.
I spoke with a mortgage originator, XXXX XXXX XXXX # XXXX, and asked some general questions. At no point did I apply for a loan. At no point did I consent to a hard credit inquiry. After my brief conversation with XXXX, who was rude and in a hurry, I was contacted by my credit monitoring service who informed me a hard credit inquiry had been conducted! I called all the lenders I had spoken with to find out who made the credit pull. Besides XXXX, all other lenders told me they did not pull my credit because I did not apply for a loan and only asked general question. XXXX admits he pulled my credit. I, at no point, gave consent for a credit inquiry. XXXX claims that I did give consent, and that he reviewed the recording of our conversation. I asked for him to play me the recording to prove to me that I did provide consent, but he refused. I spoke with his superiors who were less than kind or helpful. Its obvious who trained XXXX in his predatory, unethical practices. I have requested a letter of deletion to provide the credit bureaus to have this hard inquiry removed from my account and restore my credit score, but they refuse. At this point I will be taking legal action to sue for for damages. Credit is an asset, and the wrongfully damaged this asset of mine. There is no reason for them to refuse to provide the call recording if I in-fact did provide consent! It would require minimal effort for them to have this issue resolved, but now Quicken and I will need to spend the time and money to hash this out in court. They also claim the permissible purpose guidelines were followed, but they were not. I did not provide consent, and they did not have a legitimate business need to conduct the inquiry because I did not apply for credit, I called simply to ask questions! Severely disappointed with this lender. Spare yourself the time and do not work with Quicken! I have reached out to the Colorado XXXX XXXX XXXX XXXX and the XXXX about having XXXX XXXX license revoked.
I have been banking with US Bank since I XXXX from US Military in XXXX. I live overseas and informed them of this when I opened the Account there they said there was no problem with this. on XXXX XXXX XXXX I received a letter from them saying they were closing my account in 10 days from the date of XXXX XXXX XXXX this gave me 3 days to find a new bank and get my direct deposit tranfered almost impossible due to me living over seas no reason of why was given. I contacted them the person I talked to said there was nothing listed for my account to be closed. I have repeatedly requested information on why my account is being closed. I have never bounced a check or had overdrafts on my account. they will not give me an explanation on why except keep saying I live overseas. Since I opened the account with them knowing I was going to be living overseas I asked them for a copy of there policy stating that I can not live over seas and bank with them. they have not provided this policy to me as of this time. I am wondering if this is Legal for them to close my account on this sole reason and why they wo n't give me time to find a new bank and get everything transferred before they close my account.
XX/XX/XXXX I had a chance to review my Transunion credit report via XXXX XXXX.On it I noticed an error. I saw that I had a XXXX account on my credit report in which I do but it is not the right account infromation that is on my actually XXXX bill. I disputed several times by certified mail due to this incident and sent it to Transunion. Tranunions says its right then says that XXXX has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called Transunion and XXXX to correct the account information. My XXXX account number is XXXX. Yet the XXXX account still remains.
On XXXX, I called Discover to talk with them about an open dispute I have. 
My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. 
In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.
In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.
XX/XX/XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Arkansas  XXXX ,  Re   :  XX/XX/XXXX   letter from  GMAC on  " NOTICE OF RIGHT TO FORECLOSE "   XX/XX/XXXX   from  XXXX   XXXX   XXXX ,  GMAC loan  #  XXXX  /  XXXX   XXXX   XXXX  ) It was a sub-prime loan 2 )  XXXX  on firs t mort. 3  )  XXXX  on HELOC  ,4 ) I t had an ARM teaser rate for 2 years and then went up {$400.00} per month  5 ) It   was a conventional loan with no default protectio n ,6 ) I t had a balloon payment of  XXXX  at  XXXX  yrs. maturity when I will be  XXXX  yrs old! ( Called packing in the industry )  7 ) T he loan in question appears to have been premeditatedly designed, engineered and deliberately fabricated for failure knowing I would never live long enough to satisfy the debt!  8  ) When one looks at the scenario ; it is  RACIAL PROFILING & P REDATORY lending of the highest order on the elderly! Today I am an  XXXX   XXXX   XXXX   XXXX   XXXX  Veteran of the  XXXX  (  XXXX  ) with an   XXXX   XXXX   who would like to spend what time I have left in my home of  XXXX  yrs! A  XXXX   XXXX  to evict me from my home on was issued    XX/XX/XXXX
Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
I applied for a loan modification with BayVIew Loan servicing. NO ONE reviewed the application with me and the assigned asset manager, was not responsive or helpful in explaining the process or what was needed. I sent in all forms and income that was requested. after what was about 2 month, a declination package was sent to me. I asked the asset manager why was it turned down and he said the DTI was 31 %. I said the paperwork you sent me said the DTI needed to be between 25-55 %. He had to put me on hold. Then he said that I could only afford a certain payment amount and that amount was not allowed. I told him the income was incorrect. He said I should have entered the correct income. I said I entered what it asked for and that no one reviewed with me. He said I needed to re apply or contact the Escalation Department. So I called the number to the Escalation Department that was listed on the decline letter and the answering message continually says the company is closed EVEN DURING BUSINESS HOURS. So I emailed them and received an email response showing the email was rejected and not read. I called the assigned asset manager back and he clearly said that the Escalation Department will not take your phone call. I asked why because they list a number. he said they just wont. He said to email them. I told him I did but the returned the email as unread. HE said that should work and not sure what else to tell me. I am very upset and frustrated. Companies should not be playing these shell games with consumers anymore. I called on XXXX and asked about making a payment and was told with the decision on the loan mod almost ready to be made, the suggested I not make the XXXX payment because that would help the modification look as if it was really needed. Now I am two months behind and cant reach the Escalation department and only have 30 days to do so
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).