WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA XXXX
PennyMac Loan Services will not remove the PMI payments on my mortgage. I have made numerous additional principal payments to get the principal below XXXX % of the originally appraised value ( {$240000.00} ) on the mortgage. I have never missed a payment and requested that the PMI be removed when the L : V ratio fell below XXXX % of the original appraisal back in XXXX 2015. At this time they ordered a BPO, which found the value of the property to fall from {$240000.00} to {$230000.00}, therefore denying the PMI removal request. I was told by PennyMac that as a result of the BPO, the L : V ratio needed to now be below XXXX % of the orginal value in order for the PMI to be removed. Under instructions from PennyMac, I made further additional principal reductions to get below the 78 % L : V ratio ( based on the original appraisal ). PennyMac is still refusing to remove the PMI even though the L : V ratio is now below XXXX % of the orginal value. Since beginning this process, I have followed up numerous times only to be told different information each time I call. The usual excuse I am given is that they are looking into it and I should wait 10 business days for a PMI removal resolution to be determined. In the meantime, I am still making PMI payments even though my principal balance is below XXXX % of the original value. In my opinion, PennyMac is intentionally providing me with misinformation and using delay tactics to extend the PMI payments on my mortgage. Please assist in getting the PMI removed from my mortgage.
I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX  ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX  which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.
Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment?
XXXX  ny office, i was a cosigner on loan with my mother with my car as collateral, she went bankrupt and would not talk to me about the anything other than make a half payment and they would we be in touch with me to figure out the rest after the bk, well they took my car, i told   XXXX   XXXX   (  XXXX  ) i would i pay the past due amount to bring it current and they want nothing to do it with it, i was lied to by   XXXX   at mariner finance they said my mother committed fraud and i do n't have my car. i am husband and father of  XXXX  and have had  two pervious loan s that were paid faithfully and on time and now no car even trying to make this situation right, please let me pay what i owe to reinstate the loan and i will assume all of the payments from here on out inc the repo fees. Also after furtherin review, in nys there must be a cosigner form signed by the cosigner and that form was issued to and signed by the borrower, due to nys statue it does say if the bank does not follow the proper co signer steps the cosigner is not obligated to loan at all. This company never contacted me after i made a payment they as me to, they did not inform me that the loan was in default after i made the account current. all i want to do is pay the loan now seeing my mother is out of the picutre this is my car they also refused to tell me where the car is so i can grab my personal belonings, credit cards, personal mail and bils title to my wifes car as well as peronsal things of my kids.
In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use {$3000.00} dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the {$3000.00} dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XX/XX/XXXX ( more than 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now 6 months since the card opened, and 4 months after the requirement met and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. I got this credit card because I planned traveling for XX/XX/XXXX, which was cancelled due to the lack of miles. Now we are in need of another trip in XX/XX/XXXX, and the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation. Their responses have been vague and not satisfactory.
I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/2018, XX/XX/2018 ), as well as the credit bureaus ( XX/XX/2018, XX/XX/2018 ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
I have a foreclosure on a property that I no longer own and have n't owned since XXXX XXXX, 2009. There is a company who is continuing to report on my credit report and continue to attempt to collect over XXXX for a loan that they say they purchased from XXXX XXXX XXXX. However, since it was originally part of a bankruptcy they also acknowledge that they 're is no debt thats owed.
They are making more than XXXX calls a day to our home. They have contacted me at work when I 've told them not to because I could lose my job. They also have called our neighbors.
XXXX/XXXX/2016 From : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Dear cfpb, I am writing to let you know that a few years ago my wife and I lost our jobs and because of the loss of income we suffered falling behind on our mortgage payments. Because of this we could not attend to any modification and or any program since our companies for work did not have any work for us. We had attempted over and over since then to get a modification or some program recently to start to pay the mortgage because we have our jobs back and between us all at home are making just over {$8000.00} a month. however, penny mac loan servicing has a number of times denied us because they have stated that they can not help us. I have called them many times and every time they give me different excuses as to why the they can not help us. For example, they state that we do n't make enough, then they stated that they did not receive proof of income, then another time stated that they received all the proof of income but there is nothing they can do. They my case to home saver program new jersey housing and mortgage finance agency, where I spent 2 months attempting to get help funds to save our home to be told by them that they denied our application and did not even said why. They had informed penny mac of the denial and stated to me when I called that I could appeal on both ends the home saver program and penny mac. I did just that XX/XX/2016 and never received a response from the home saver program and penny mac told me that whoever I spoke to at penny mac failed to tell me to send them proof of income and that I should send the proof immediately which I did. A week went by and I called them and they told me that the underwriter closed my case because of not sufficient income every month and that I needed over $ XXXX month. I explained to them that collectively my wife, myself and my son are bringing in the home over $ XXXX a month. 
I feel I have been discriminated upon as penny mac did not ever give me a proper instruction to apply for mortgage assistance. I have sent letters and called them desperately seeking assistance. Once again we are making money and have our jobs and willing to start paying a mortgage. We do n't want to lose our home. We want a fair chance at saving our home. They wo n't even tell us the proper steps to a short sale which I have inquired about. I make this complaint because I do n't think it is fair that we are now recovered with respect to having jobs and are not given a chance to keep our home. Thank you. XXXX XXXX XXXX . Loan # XXXX Penny mac loan servicing XXXX.
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX Credit reports to verify the information they are reporting. Trans Union responded in writing indicating the following accounts are not on my Trans Union Account and not being reported. XXXX has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to  deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
I received a threatening voice mail from an  XXXX   XXXX  stating that she was from HSBC at  XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.
Experian did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.
I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.
I contacted Transunion to express concern about a judgment that has been placed on my credit report ( XXXX ) According to the XXXX XXXX Court, the judgment is from XXXX and the plaintiff is XXXX XXXX. I explained to the representative that they are reporting the wrong persons information and they told me they cant remove it and that it is up to XXXX to remove the error. I further explained that they have the wrong persons information attached to my report and they did not seem concerned about the fact that a judgement has been placed on my credit file in error, which has caused major damage to my credit score. I need for the erroneous information to be removed from my credit report immediately.
Supplied Experian, and XXXX credit bureaus with the Faxed, PAID IN FULL letter from XXXX XXXX XXXX, I also spoke with reps from XXXX XXXX   many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.
I filed an dispute with Capital One Bank on.XX/XX/XXXX.Advised Capital One Bank to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, Capital One Bank that they are allotted 30 days to provide disputed results to me. Never received correspondence from Capital One Bank.
Valley National Bank has not properly setup our mortgage payment system on a new mortgage that we received on XX/XX/XXXX. 

Valley National had many issues with properly setting up their website to receive information via their 'automated ' computer way of getting documentation. They would argue with us many times, and were usually wrong about having made available auto signature documents ( e-docs ) and such. With no apologies coming from them when they constantly made mistakes. 

At the time of closing, we were told ( even after a Notary showed up at our door for all final document signatures one in Florida and the other in South Carolina ) that all was good. 

As of XXXX, we received no payment schedule. We started to get a payment request but it was back dated!!!! Can you believe this, even todaty on XX/XX/XXXX I receive a payment request for payment due of XX/XX/XXXX. Enough Nonsense!!! 

If they want us to use the checking account they sent me checks on, but no documentation on where to go to put money into the account, then send out a HOW TO MAKE THE DEPOSITS PER A PAYMENT Schedule. 

This is my 5th or 6th house, and I have never had so many issues with a bank! Each time I call the person I need to talk to is busy and does not return my calls. 

I don't think we should have ANY late fees, as this is all a mistake and lack of information and instructions on their part!!!!

My wife and I have done our best to guess at their payment schedule and have been sending in 2-3 check payments per month. 

I don't want their lack of instructions and billing payment schedules, and/or how to make payments affect my wife and my credit rating.
I filed a chapter XXXX bankruptcy. In the agreement, I was told that Navient would roll my loan with XXXX XXXX XXXX that they bought into the agreement that they gave me with Navient. I was to have a 71 % discount on the loan, and receive a 0 % interest rate. Navient told me that they would implement this once they switched over the XXXX loan once it was serviced by Navient. Currently I filed 2 complaints with Navient because the loan was transffered over. Their lawyer XXXX XXXX, said that they would be implementing this on the Naveint website.

This was to be done at the beginning of the year and the balance was supposed to be reduced to around 9k, and to be shown at a 0 % interest rate and paid over 30 years. However this did not happen. 

Now this is affecting my credit with Navient, and they are about to charge off the loan and can't find the agreement. On a previous complaint with CFPB Navient stated they would be implementing the 0 % 71 % discount once the loan was transferred over. 

It was never. I can not pay this outrageous amount.
XXXX mortgage shows that we are 3 months down we have been caught since our filing in XXXX
I have a unpaid charge card debt. XXXX is now trying to collect on the default judgment against me from Capital one charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Synchrony bank has contacted me every day since I have been past due at an upwards of 3-5 times per day. I feel very harassed and uncomfortable getting that many phone calls in one day from the same company to no avail. Every time I check my phone I seem to have a missed call from them.
This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.
This company has not provided any information that this is my debt. 

They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.
I have a us bank credit card that I make monthly payments and do n't use a lot.I went to go buy a new phone and my card was declined, I promptly called them and my card is in bankruptcy i have NEVER filled for bankruptcy nor do I EVER plan to. when I contact the card company i spoke with the bankruptcy department and they looked into the case they got in contact with with the lawyer that had the case for bankruptcy that the card was being held under And he told them that the ssn # was wrong and he did n't understand why they were contacting him since I was not his client he said its a case of mistaken identity and sent over all his info on the case he was handling to them. The card company looked it over and agreed i was told it was going to be overturned they just needed a supervisor approval. I said fine it has been XXXX WEEKS and I have called multiple times and I keep getting the run around of his out to lunch, his in a meeting he is busy. My card is still in bankruptcy and I 'm still making payments on something I ca n't use they refuse to help me
XXXX autobilled ( renewed ) my subscribtion XXXX even though I canceled my subscription.
Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.
XXXX allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XX/XX/XXXX without my permission.
Citibank , N.A . services my Best Buy credit card ending in XXXX. I noticed a fee titled " XXXX XXXX '' in the amount of {$23.00}. I used the instant message with Citibank to see what this was. I ended up calling the number provided. This is a credit card add on debt protection program apparently. The program pays your minimum payment for 3 months if you lose your job, move, divorce, etc. I asked how much I had inadvertently paid to this ridiculous program. I was advised since 2011 I have paid {$530.00}. I have no recollection of signing up for this program. Furthermore, the fee does not appear on the online portal. You have to physically open up your statement to see this fee. This is totally unacceptable. I want all that money back and applied to my card. I 'm now facing promotional deferred interest that is about to be applied to my card. This {$530.00} would cover that. Plus, who knows how much money I 've paid in additional interest. Citibank just got fined by the CFPB for this issue and was supposed to reach out to me to reimburse me. I 'm having to go through the CFPB to have them reimburse me which seems like a violation of the consent order.
XXXX Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.