WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with XXXX XXXX XXXX which was a VA Loan. They transferred the loan to PennyMac Loan Services , LLC in XXXX. I never received a letter of this, in addition -- when payment was returned, I found out at the branch the account was no longer with XXXX XXXX. In addition, I immediately contacted PennyMac to provide payment for XXXX and also the XXXX payment which was due soon. There was a difference in monthly payment of over {$100.00} now that the mortgage went to PennyMac. None of this information was provided, or conveyed by either XXXX or PennyMac in any capacity. Agent discovered an overage of {$170.00} ( credit ), this apparently was late fees which XXXX never applied to my last payment for what ever reason. PennyMac was sent a large payment of {$2700.00} to cover XXXX and XXXX. As well -- agent stated the late fees they have on their system would be removed. I called a week later and was told this had not occurred and was told the agent would correct this. In the interim, I sold my home and was directed not to pay XXXX payment for the note would be paid off and this would effect payoff if paid. After payoff occurred, I contacted PennyMac and they stated that the late fees were {$230.00} and non reimbursable. There was never any late payments while in their hands. If anything -- I was told this would be corrected. Lastly -- They had inspections of the property for XXXX, XXXX, XXXX which charged a fee. According to Veterans Benefit Affairs, they state that no inspection fees are to be paid by the veteran in any capacity. When asking for proof of inspection, PennyMac was unable to provide this proof. Never the less, when questioning Escrow balance, it appears funds of overpayment are lower than expected. It appears that PennyMac charged a pre-payment penalty by double charging interest and less to principle which is a direct violation of our agreement and outside the business and rules for a VA Mortgage. Fees are not authorized according to the VBA/VA. PennyMac basically ignored any concerns I brought to their attention and these fees need to be recovered and also, I feel I have received undue hardship as a result, loss of time complaining on the phone several times and not impressed that a company can do this to a veteran who is a good customer and has also been in direct contact with the several times. These inspections should never have occurred, it 's a pons scheme, unwarranted, and the double interest payment is a total misrepresentation and I can not tolerate being mis-treated this way.
Wells Fargo has sent a letter stating that we are behind two payments on our mortgage. I have sent letter to them on several occasions to ask what two months are you speaking of.They have sent back information that do not give real dates, they give the dates of the current date, dates in which is current for the last two months. We have receipts for the current months. 
I recently sent a letter on XX/XX/XXXX, XXXX. I have tried to resolve and get true answers. 
I received a letter dated XX/XX/XXXX stating I needed to apply make an application for something, they did not say but wanted income information before XX/XX/XXXX. I assume it 's before they go to foreclose on my home. We have completed this application in the pass and has been turned down on several occasions. I am finding it hard to know the truth and what 's false. I do n't believe they want to help. 

I am seeking the truth, not the program rituals they continue to give us. What is so hard about giving me true dates of missed payments? We were also concerned about the bankruptcy money and how it was applied to the loan. We have yet to see this applied. We question them and have written letter to ask that question. 

Wells Fargo is reporting that we owe {$20000.00}. Two missed payments, late fees of {$3500.00}. We tried to pay the late fee and they sent a check back to us. They would not take the payment. 

Can anyone get answers from them? I have worked on on trying to keep my home.
Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX.
I borrowed thru ' Discover XXXX loans which is serviced by XXXX XXXX. My issue is, I am unable to obtain an accurate balance on my loan from XXXX XXXX. As a result, I am unable to either payoff my loan OR ensure that monthly installments are accurately calculated. 
ISSUES:1 ) I set up an auto payment to stay current on my interest payment. XXXX XXXX refuses to pass on the 0.25 % APR reduction offered by Discover Financial for setting up Auto Payment. 
2 ) My loan went into repayment XX/XX/XXXX and as mandated, I received the Truth In Lending. However, there were also errors in my TIL and I called to report them. The customer service agents at XXXX XXXX has been passing the buck on to Discover Financial and have been unable to share details on how my payments and if any APR reduction/discounts were applied. 
3 ) The loan servicer 's website is poorly managed and lacks transperancy. There is no information on how payments were applied and the current accurate APR is not displayed either. 
4 ) For example XXXX XXXX restricts customer payment history. They go back only one year. The interest rate shown on their website ( 4.5 % ) does not " exactly '' match with what Discover states on its website ( 4.477 % ). SPREAD OVER 240 PAYMENTS THIS IS A VERY LARGE DISCREPANCY. 
5 ) The repayment commencement date ( when the loan is scheduled to go into repayment ) is also not posted on XXXX XXXX website. As a result customers are not able to calculate the interest due accurately. 
RESOLUTION EXPECTED : I need the CFPB 's help in obtaining an accurate Truth in Lending document. 
Also, given its oversight, I urge CFPB to work with the above lender and servicing agent to ensure that student loan borrowers have better and ready access to ACCURATE and CURRENT information on their loans. Thus, the student borrower community is not put through unnecessary hardships in PROMPTLY AND ACCURATELY PAYING OFF their loans.
I received a bill from this law firm from XXXX on XX/XX/2018. There seems to be no legal remedies for addressing to them to stop and they have violated the Fair Debt Collection Act by adding illegal interests to the original debt of {$200.00}. 

There is no state or federal laws that require me to pay them and I haven't had a trial or signed any contract telling me I am subject to pay them anything. 



I have complained about this same issue before with cfpb. A lawfirm has been hired to collect a debt for the city of XXXX. I have sent a legal letter to them back in the Spring when I got fined for a red camera issue. 

They will likely try to sue me or threaten to contact the State to revoke my license for non payment and many states and the Department of Justice has proven this behavior of debts illegal and unconstitutional.
XX/XX/XXXX Sears General Inquiries XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX, I opened a Sears credit card account ( XXXX ) for the express purpose of purchasing a XXXX Brand Washer ( XXXX ). After numerous calls to CitiBank/Sears customer service center, I was forced to visit the Sears store to complete the purchase since the online did not recognize my account. I was assured by several Citi Representatives, that all provisions of my Citi/Sears credit card contract would be honored by the store. That contract, as a 'targetted customer ', called for the additional discount or credit of up to {$32.00} for the initial purchase within 30 days of activation of the card, and another {$200.00} credit to my Citi account once my purchases with the card reached {$1500.00} in the first 90 days. Now, I am a frugal and conscientous consumer and expect advertised prices and contracts to be honored as written. 
I spent over one hour in the Sears Store in XXXX, XXXX, paperwork in hand, to make sure that the prices and discounts matched what I had been promised online and on the phone. After speaking with a number of uncaring associates, I ended up with the Acting Store Manager, who was very understanding, pleasant and acommodating. He directed the sales staff to match the quoted prices by issuing a {$53.00} credit to my account as soon as the sale was entered. He could not, however, offer the {$32.00} or the {$200.00}. credit since those were part of the credit card agreement with Citibank and would be subject to the terms of contract and would appear on my credit card statement within the first 2 billing periods once the conditions of contract had been met. 
When I arrived home, on the same date, I again contacted Sears/Citibank by phone, and was assured by a very professional gentleman, that the specific offers in the case of my account and contract would be unequivically honored by Citibank. Last week, I received a credit from Citibank on my account in the amount of {$150.00}. I immediately called Citibank/Sears customer service and spoke with a Rep and her Supervisor. I was rudely informed that the {$150.00} was the maximum I would receive on my purchase and at no time was any other credit offered, allowed, or honored. THIS IS UNACCEPTABLE. 
At this point, I want a copy of the credit card contract of XX/XX/XXXX which I agreed to online, credits to my account for {$50.00} plus {$32.00} as per contract conditions, and a written apology from XXXX and XXXX. This letter will be forwarded to XXXX general offices and MA Attorney General, as well as posted on Social Media if these conditions are not met promptly. The credit card account will be paid and cancelled once the outstanding balance is satisfied. 

Respectfully, XXXX XXXX XXXX XXXX/XXXX. Sears, XXXX XXXX, XXXX
Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
chexsystem continues to report a fraud account from XXXX XXXX # XXXX with prev fraud balance {$870.00} and {$330.00} when this fraud was reported to creditor XXXX XXXX and they agreed it did not belong to me do to there neglect on having no video or proof of debit withdraw transaction for the amount listed.
I went through a Chapter XXXX which included a Reaffirmation of my vehicle. I represented myself and understand what was included in the Reaffirmation. The Chapter XXXX started in XXXX XXXX and was discharged XXXX XXXX. The Reaffirmation included the total amount due to TD Auto and included a payment schedule that I am to follow to pay the total amount I owe. That schedule started on XXXX XXXX, XXXX for 62 months and I have n't missed a single payment. XX/XX/XXXX I was assessed a fee and now shown to be late. When I called TD Auto I was told I missed a payment in XXXX and I was being charged for it. I tried to explain I went through a Reaffirmation in Bankruptcy and did not miss a single payment so I could n't be late. TD Auto stuck to the belief that the Reaffirmation meant nothing as I filed a XXXX complaint that ended in a stalemate with TD Auto insisting I was late. The XXXX referred me here to take the next step as they have no power to take this further. The complaint number from the XXXX is " Complaint ID # XXXX TD Auto Finance ''. TD Auto claims I never contacted them to make the missed payment when in fact I went through a Chapter XXXX and corresponded with their lawyers, agreed to Reaffirm what I owe, attended the court hearing for the Reaffirmation and was granted the Reaffirmation I sought and agreed to pay and have made those payments.
The following is a letter sent to Wells Fargo Bank NA. It involve an erroneous report to the IRS by the bank. 

XX/XX/XXXX WELLS FARGO BANK N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am in receipt of a Notice of Deficiency Increase in Tax ... from the Internal Revenue Service. The increase in tax is based on a XXXX filing by Wells Fargo on XX/XX/XXXX claiming I received the benefit of a debt cancellation in the amount of {$8100.00}. 

I have NEVER had a debt owed to Wells Fargo Bank. I have not, to my memory, ever had an account with Wells Fargo Bank. 

The account information you provided to IRS is : XXXX SSN XXXX I am requesting that you rescind the aforementioned XXXX to IRS immediately to avoid any further harassment for a debt I never made. 


Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX XXXX XXXX XXXXXXXXXXXX Cc Internal Revenue Service Citizen 's Financial Protection Bureau
Received no communication from this organization. In accordance with FDCPA I should have had the opportunity to dispute. Was not give that chance debt just appeared on my credit report as collections.
Convergent XXXX XXXX sent me a notice dated XX/XX/XXXX saying I owed {$290.00} for a XXXX account. It is a falsified debt. I have not had XXXX since XX/XX/XXXX. Attached see the text alert I received. I knew it was inaccurate because I did n't have a XXXX Card and had reported ID Theft to FTC on XX/XX/XXXX along with XXXX law enforcement report & number. I then called XXXX and placed Initial Fraud Alert for all credit bureaus. After sixty-two ( 62 ) days, I made placed a freeze on my credit reports. On one occasion, there was a breach in a credit bureau and some falsified debts did get through and placed on my credit history. Both are XXXX XXXX XXXX in origin. There are substantiating documents denying the debts. 

I have contacted Convergent twice to try to explain. I call from a financial institution. I am an identity theft victim and I do n't intend to give them any information. They will not listen or assist me because I will not give them my telephone number or email address. This concept is ridiculous as I do not need any more harassment. as a victim. 

See the documents attached and contact the company, please. Yes, I know it 's been a long time ; however, I do n't have a computer or smartphone. The closest library is 38 miles away and we live in a rural area without public transportation. Thank you so much for all your organisation has done for me for almost two years over the phone. received from XXXX XXXX ( with whom I have not an account with since before XX/XX/XXXX ). 

Also attached are correspondences, only two ( 2 ), as there have been numerous over the past twenty ( 20 ) months along with telephone calls with XXXX XXXX. This XXXX XXXX XXXX is very adamant that it is known the card was not initiated by me, no charges made by me and I had nothing to do with anything associated with their card services.
KIA MOTOR CORPORATION WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. 
I OWE NOTHING TO KIA MOTORS OR ANY OTHER AFFILIATES ASSOCIATED WITH KIA, UPON TRYING TO GET RESOLVED WITH KIA, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO KIA NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.
I disputed information that was on my credit report that is not reporting accurately. TransUnion. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my TransUnion report of the improper sharing by the credit reporting company. TransUnion could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) or the results of their investigation.
I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.
Date per company:XXXX Company : US Collections West Issue : I have submitted to the company, and XXXX  a police report and an Affadavit explaining this account is fraud. Back in XXXX ( cant  temember exact date ) I was in the process of moving where I went to a public library to make copies of ids socials and other info ( paystubs etc ) for a rental application. I left the folder at a computer while using the restroom and it disappeared. All of a sudden later about 1-3 months accounts started popping up that was not opened by me. I know people may think all XXXX people look alike because they allowed this person to physically open up stuff and sign or it and everything. I explained this to the company over 5 years ago. It was also at one point removed from all of my credit reports then all of a sudden inXX/XX/XXXXthis company put it back. This company is refusing to remove it. I sent them my police report and everything. XXXX has also sent them the same info. They refuse to let me speak to a fraud specialist and they have not given me any other way to remedy this. This isnt right. And I need help.
I have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. T he last dispute was done  XXXX   XXXX .  (  Experian &  XXXX  ) are the credit bureaus that is still reporting this item *Twice* The other item that  I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   ( Experian &  XXXX  )  are the credit bureaus that is still reporting this item.      The final item is another case through   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and their emissions department. I had an i ndependent Arizon a State  official emissions officer inspect the vehicle and had not seen any prior emissions records that was done prior to selling me the vehicle which I have submitted documents to Experian who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I h ave been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.
Hello, This regards my credit account with Paypal ending in XXXX ( I see there's a field for putting in the entire number on a later page, but I am not comfortable with that ). 

Some time earlier this, my account was removed from online access so that I have not been able to make a payment online. Even if I open up the details of a past transaction by clicking on '' View all PayPal Credit activity '' ( I'm talking about the regular Paypal site, not Paypal Credit because I can not access that portion of the site anywhere ), I get " Oops. That page doesn't exist. '' I have offered to send them a screen shot of this, along with one of the home page to show that " Paypal Credit '' is no longer there as an option the way it used to be, but they refused to figure out a way for me to do that. 

In corresponding with Paypal customer support, the replies I get are anything from them simply not believing me and instructing me again and again as to how to access my account online to, " We are not able to locate an account with this email address. '' ( the same email address I've been using for all my banking purposes for the last ten years -  XXXX ). I've been telling them - only half in jest - that if you can't verify an account for me, then I guess I don't owe you any money. 

They gave me a phone number to make payments online, which I have succeeded in doing a couple of times, but sometimes when I call, making a payment isn't one of the menu options, as was the case when I just went to make one now ( the rep I just spoke with told me they don't take payments by phone - he really knew what he was talking about ). 

Whether I can make a payment by phone or not isn't the point anyway - I want to be able to access my account online and make payments that way as I had been doing for ages - yes, with the same email address they now tell me can't be verified, which was never changed in my profile at any point in time - until this problem arose. 



Thank you, XXXX XXXX
Upon checking my report I noticed that a collection agency Financial Data Systems was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to Financial Data Systems for these accounts they reported to the credit bureaur XXXX The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XXXX XXXX I received notice from XXXX stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency Financial Data System, I was made aware only after pulling my credit report. XXXX is violating the FDCPA by reporting debt that has not been proven to belong to me.
I have 9 hard credit inquiries feom Chase Card on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All dates are 2017 and I have not applied for anything through Chase Card.