WillisBack/dataset-financial-user-claim huggingface dataset:
For the months of XX/XX/XXXX and XX/XX/XXXX I attempted to pay my mortgage via phone. I went through all the steps necessary to pay by phone for the XX/XX/XXXX payment. I even got a confirmation number and an email telling me my payment was received. A few days later i went to check my account balance and I learned that the XX/XX/XXXX payment was rejected because PennyMac gave the wrong name of the account holder. My mother used to be on the mortgage but she passed away in XX/XX/XXXX. PennyMac used her name to get paid by my bank. I was forced to take a day off to fix the situation. Despite telling PennyMac on numerous occasions to take her name off the new mortgage they have not done so. Again the same thing happened when I went to pay the XX/XX/XXXX mortgage.

I was able to pay the mortgage until the recession of XX/XX/XXXX. I went through a NIGHTMARE to get PennyMac to modify my mortgage. The law firm they hired gave me XXXX. They also told CT bar to spread the word to attorneys not to take on my case because i was a dead beat debtor. i was stupid enough to seek assistance from a Congressman 's office. They offered no help and may have revealed my financial information to my neighbors who kindly told me I was bankrupt and they wanted to buy my property. I survived this XXXX and PennyMac is still engaging in all kinds of violations of the FDCA. Apparently, they are purposely using my mother 's name so they can find out if I have a cell phone so they can tell the police. Please see attached documents to understand police involvement.
XXXX XXXX XXXX : Account # AMOUNT XXXX XX/XX/2016
Requested removal of inquiries, XXXX XXXX x 2 ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) of XXXX XXXX and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; as well as, XXXX from Transunion credit bureau and was advised by XXXX that the inquires are not verified and she can not request validation due to it being over 6 months. In regards to the creditor, afni no validation info will be provided. They verified it was my debt but no actual proof provided
MICROBILT and XXXX have been and are reporting inaccurate information on my credit report. MICROBILT and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. MICROBILT and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and MICROBILT asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and MICROBILT of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor MICROBILT have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a )  the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to MICROBILT on XX/XX/XXXX : XXXX.The following hard inquiry which should be deleted immediately is : Creditor Name : XXXX XXXX XXXX via MICROBILT Date : XX/XX/XXXX
I have tried to place a 90 day fraud alert hold on my credit with Equifax for 7 days now ( starting on XXXX/XXXX/XXXX ), and each time I get a generic error : " Our system is currently unavailable We are currently unable to add initial 90 day fraud alert or XXXX XXXX alert to credit file online. Please try again later or click here to print a request form. If you need to install XXXX XXXX click here ''
I had an outstanding balance on an account with XXXX XXXX. My services was disconnected due to hardship. Once I got back up and running on my feet I had my services reinstated. By time that I did XXXX XXXX  had my outstanding balance with a collection agency. I proceeded to speak with a customer rep through XXXX XXXX   and they told me they can reclaim my account back from the collection agency and I can restart my services which I did. They proceeded to tell me that my name will be removed from this company and out of there system. As of today this company is still reported on my credit all they did was update my balance to paid in full which I did not pay them a dime. When I spoke with a representative from receivable performance they told me that the rep that handle all of my info with XXXX XXXX gave me false information and they wasn't going to delete it. I hate been told false information if that was true that should not have been told to me.
Although I am aware that they are not a bank, Paypal has frozen my account and are saying that they are holding my funds for 180 days do to a high risk of fraud. I have filed complaints with the XXXX and the XXXX for a civil liberties violation as well. Paypal should not be allowed to play with people 's money this way. All of my customers are completely happy and I have had zero complaints. They are claiming to hold my money because they need to protect themselves from chargebacks or disputes but again, I have documentation that all of my customers are completely happy with their purchases. Paypal may not be a bank but they operate as XXXX yet use the " we are not a bank '' excuse to hold practices that are not only unfair but may also be illegal. Paypal needs to be investigated for its lies and deception to its consumers. They are holding over {$1600.00} in this account that is money I earned and should be able to withdraw. Unacceptable.
On XX/XX/XXXX I went to pay my mortgage as usual as I have done since XX/XX/XXXX when the payments were made to XXXX. I now pay it on line at the Nationstar Mortgage site. I selected the Nationstar shortcut from my list of shortcuts but it took me to a page stating the " page could not be found. '' I then went directly to their site after searching for it on google. I opened up the site and signed in. I was then greeted with a demand to " verify '' my account. The way to do this is to enter your zip code, and then your social security number. 

I have issue with this in the times when XXXX, and many other websites have been hacked and the information breached. I have always paid on time and in the manner I have become accustomed to, on line. I have an account number which is the only number that should be necessary to make a payment. My SS # is private and can cause extreme damage to my credit and personal well being in the wrong hands. I do not believe it should be associated with my mortgage account, and certainly should not be requested to be submitted on line. 

I have presented my SS # to a possible creditor for a one time background and credit check as should be expected. But I do not want my mortgage account to be identified by the SS #. That is why I have an account number, is n't it? 

There is no way to make a payment or to get to customer service without first entering the zip code and then the SS #. This has the potential to cost me money in late fees and may have purposely been set up to do so. Messages left have produced no return calls.
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD AND HAVE BEEN VICTMIZMED BY THESE INTERNT CRIMINALS. THEY HAVE STOLEN MY IDENTITY AND HAVE OPENED AN D APPLIED FOR ACCOUNTS I HAVE NO KNOWLEGEDE OF UNTIL NOW. I HAVE DISPUTED WITH EXPERIAN AND AKED THEM TO REMOVE MOVE THESE FRAUDULENT ACCOUNTS AND EVEN CALLED OVER THE PHONE AND SPOKE WITH A REPRSENTATIVE AND STILL HAVE NOT GOTTEN ANY RESPONSE OR RESULTS OF THE DISPUTES.
On XXXX at XXXX spoke to a rep at XXXX financial services XXXX where I was told they would call my job if I did not speak to them, I then told him not to call my job. The rep intern told me I 'm to worried about them calling my job and I need to handle to issue now. I advise I do not want any calls and to send any information by mail. On XXXX at XXXX I received another call after I specifically stated not to contact me
I made a purchase on XXXX and was using my XXXX account which is linked to my existing XXXX account. XXXX instead established a XXXX Credit account and pulled a credit report without my authorization. I have spoken to XXXX and have closed the credit account but the credit inquiry remains on my credit report. I want this inquiry removed.
I took a 0 % interest credit card transfer from my at & t Universal Card. The interest free period was to end XXXX XXXX, XXXX. I set up auto payments to insure the entire amount transferred would be paid off before the interest free period ended. I took a separate second 2.9 % interest balance transfer that is to end XXXX XXXX, XXXX. I inquired with the company that if I did that would it interfere with paying off my 0 % transfer. They advised me if I paid the minimum payment, any amount above would go to my balance that was expiring first. I paid off more than my 0 % transferred amount before XXXX XXXX, XXXX ( I owed {$1300.00} and I paid {$2100.00} by XXXX XXXX, XXXX ). The manager today told me as per the Federal Government they pay off the higher interest first, even though I specifically designated this payment to go to the one where I would be hit with a balloon back interest payment. So rather than being charged {$35.00} for 2.9 % interest they are charging me {$1300.00} for not paying the transferred balance by XXXX XXXX, XXXX. It is ridiculous!!!
Our loan was transferred from XXXX to Rushmore and they did not send our Forebearance information from XXXX and we are now receiving threatening mailings from XXXX XXXX XXXX. I also sent an the approved Forebearance Attachment to Rushmore over 2wks as well to : XXXX and did not receive any acknowledgement. This is causing tremendous XXXX to my husband and I as we have gone through enough with our XXXX  who was XXXX for over 34 days in XXXX which has caused tremendous XXXX and extenuating financial circumstances which is why we had to go through the loss mitigation process with XXXX XXXX and we thought all the information would be transferred seamlessly to XXXX XXXX XXXX. However, we are still receiving threatening notices from XXXX XXXX XXXX.
In XXXX 2017, I canceled a service with XXXX XXXX which resulted in a refund of {$310.00}. Instead of returning the refund to me, XXXX XXXX returned the refund to GM Financial Services. I contacted GM Financial about how to handled this transaction. Because I have Auto Pay, GM Financial told me that they would ( XXXX ) cancel the Auto Pay for XXXX. ( 2 ) apply the {$310.00} as a refund, and ( 3 ) that I would only need to pay {$130.00}. I did exactly what GM Financial instructed me to do. However, the Auto Pay for {$450.00} for XXXX was still processed. This was devastating because I am retired and was in the process of paying my bills when I received a text from my financial institution that I had a low balance. When I looked at my account, I discovered that I had been double-charged by GM Financial. I knew that I was going to be hit with insufficient funds if I did n't do something quickly so rather than calling GM Financial, I called my financial institution to have the unapproved charge removed. They instantly did this but it cost me {$30.00}. I wrote a letter to GM Financial asking that they reimburse me for this fee because it was their error that I was charged an additional {$450.00}. I wrote a letter to GM Financial requesting a refund, but they never responded to my letter. Consequently, I called GM Financial Customer Service. The representative stated that they could not reimburse me because I did n't come to them to get a reimbursement. I am reaching out to you for help. If I had gone to GM Financial, their process would have been at least 3 days before the refund would have been applied to my account. By that time, I would have been hit with several " insufficient fees '' which is why I went directly to my financial institution. I would appreciate your help in this regards. I have had no many problems with this company, I feel like I am doing business with a second-rate lender.
XXXX, NJ XXXX XX/XX/2017 CapitalOne Credit capitalone.com XXXX Re : Blocked Use of Credit Card Dear Sirs, I was embarrassed twice in past three days when card was denied at XXXX and at XXXX. Checked balance before I left house and had {$110.00} available. Charges were {$81.00} and {$71.00} respectively at those XXXX locations. 
WHY are you blocking use of my card? I want hear from you reasons and when it will be ok to use. Last time spoke to customer service representative, told him card was ok and was NOT to be blocked. Only needed refund of charges from company I complained about. 
If he went ahead and blocked it, he did wrong!! Without my approval and authorization. 

Thank You. 
XXXX Called XXXX @ XXXX and got XXXX, who hung up on me in middle of conversation. Called back and got XXXX. Told her to get me Supervisor. He was unable to help me either. System was down and was n't expected back for several hours. PLUS, he said they were unable to call out or email out or txt out from his office. Told him that was ludicrous. Also said if I called back and could not get satisfactory explanation why card declined at XXXX and XXXX visits would forward complaint to BBB, FTC, NJ Attorney General Office and any one else I thought could tweak CapiatlOne. 
CapitalOne did not send me email, txt or call me explaining reason for blocking my charges at these stores. I have been getting my usual monthly txts with amount of balance on account and have not gotten any others for several months. Upset with CapitalOne and expect some explanations. Guess you will have to send me a letter in response to this letter since customer service cant do any outgoing contacts. 
. 
XX/XX/2017 XXXX Calling back today. Spoke to XXXX. 
My account was blocked. Whomever did it should be reprimanded. I DID NOT ask for that. The last time I spoke to Customer Service was about 5-6 weeks ago and I emphatically told that gentleman NOT TO BLOCK MY ACCOUNT OR CARD. I knew who used my card and was only requesting that charge be reversed. There was NO FRAUD involved. If he did what I asked them things would be ok. He kept pushing me to block and cancel the card. I did not appreciate that and told him so. Leave things just as they were and ONLY reverse the charge I complained about. 
You should be able to track that call and who I spoke to. Calls are recorded, right? 

Sending this out XX/XX/2017 XXXX. Took extra time to think on it and still want to complain andmake sure senior management is aware of what happened. Also, they need to fix my not being able to send letters to web site and allow supervisors to call out to customers. 

Thank You. 
XXXX Cc. : BBB FTC NJ Attotnry General, Dept of Consumer Affairs
The employees with First Tennessee Bank made withdrawals each time I made a withdrawal. XXXX XXXX caused this problem when she set up this fraudulent account with XXXX XXXX. XXXX XXXX had given my actual retirement to XXXX XXXX XXXX XXXX in the amount of {$280.00} XXXX. The check from XXXX was made in my name. XXXX XXXX mailed to First Tennessee Bank. Never seen by me or endorsed by me. XXXX XXXX intentions was to set me up. XXXX XXXX notified me of her fraudulent acts. She had me followed, beaten. On XX/XX/XXXX I  made a withdrawal in the amount of {$5000.00} XXXX. A misc debit was done in the amount of {$5400.00} on XX/XX/XXXX. I made a withdrawal in the amount of {$74000.00} on XX/XX/XXXX from XXXX XXXX. First Tennessee Bank employees made a withdrawal for the same amount on XX/XX/XXXX. First Tennessee Bank off set their withdrawal using the bank deposit slips & withdrawal slips. I did n't receive the copy from XXXX until XX/XX/XXXX. XXXX XXXX lead me to believe my stock/wad sold to XXXX XXXX. XXXX XXXX informed me of what XXXX XXXX & XXXX XXXX had done. I learned that XXXX XXXX was working with First Tennessee Bank to take my home. I decided to make an investment with a company. I did a wire transfer on XX/XX/XXXX in the amount of {$25.00} XXXX First Bank XXXX The XXXX was suppose to be deducted from the XXXX. It was separated. First Tennessee Bank used their deposit slips once again to adjust their transactions.
I have been diligently trying to close out and reopen an account that has been compromised several times first by Debit Card now by ACH. I opened an ACH claim sometime ago and the fraud issue was resolved. I was told the account was to be closed but that never happened. After trying to open a new account I was told that because of the excessive overdraft ( which was caused by fraud ) I was not able to open a new account but I could keep the compromised account open. Since then my account has yet again been compromised. I spoke with someone in the CEOs office today whom was supposed to handle the issue however she continued to push blame and offered no resolution.
According to Equifax, XXXX XXXX customers had information such as name, social security number, birthdates, addresses, driver 's licenses, and credit card numbers stolen from theor database. Also according to Equifax, I am risk for having had my information taken. Equifax 's gross negligence in handling this sensitive information is appalling. Furthermore, recent reports have surfaced citing a mass selling of stock by Equifax employees prior to public acknowledgement of hacking.
am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Equifax Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX - XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX NA Date Filed XXXX/XXXX/XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than 3 months month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX at the phone number XXXX ext XXXX call me on XX/XX/2015 to tell me ones again that my application for short sale has been denial and I have to complete a new application again despite that we have prove our hardship we have 5 month of late payments my income is less the {$34.00} a year I have provide all bank statements tax return invoice of repair for the property I have complete XXXX times the application because each time they denied the application they do n't pay attention and they do n't care for any complaint I am doing to your office the CFPB EACH complaint I send to you they do n't care because your office is not taking any legal action against the chase bank please note I have open today a complain to the Attorney general office explaining that the CFPB SO FAR IS NOT BEEN ANY HELP IN OUR CASEI AM ENCLOSING ALL MY INCOME INFORMATION BANK STAMENTS TAX RETURN AND INVOICES OF REPAIR TO THE PROPERTY SO YOU CAN CALCULATE AND TELL ME WHY I DO N'T QULAIFY FOR A SHORT SALE BY THE LAW THE BANK NEED TO INFOME THE REASON OF THE DENIAL AND SO FAR CHASE BANK JUST PLAY BY ASKING FOR MORE TIME AND MORE TIME VIA LETTER BUT AT THE END THEY DENIAL XXXX TIMES AND ASK FOR A NEW APLICATION PLEASE NOTE WE HAD A BUYER SINCE XXXX 2015 WITH STRONG OFERT {$34.00} cash and because the bank is been playing games the buyer withdraw the offer on XX/XX/2015 at this time the house is bank on the market looking for a new buyer
On XXXX XXXX, XXXX I froze my credit with XXXX and XXXX, with no problem, online. Using the same information, I tried twice with EXPERIAN and was told they could not freeze my report with the information I had given. It was the same as I had given the first XXXX! Then I tried to call and got an XXXX service which gave me no way to freeze my account, only an address to send copies of multiple documents. I then tried to email them the following message, but they have no email address listed where I could file any complaint or ask questions. I wrote : Please tell me why you will not accept my freeze online or by phone, even though your website says I may? I had no trouble placing a freeze with XXXX or XXXX online! What is your problem? Please reply asap. I am sure I am not the only one who is infuriated by your request that I photocopy and send many documents to you by snail mail! XXXX is of the essence since the XXXX hack! 

I consider Experian 's obstructive behavior a violation of my right to receive fair treatment and an answer to my questions. my identity might be stolen because of their actions and inaction to protect my consumer rights.
I was approved for a loan modification with 3 trial plan payments that began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Then in XX/XX/XXXX the bank cancelled my modification because I did not sent back the Acceptance Letter. I informed them that I did not receive it that they had sent it to the wrong address, one number less. Then I called again and was told that they confirmed that they put the wrong address and would request a reversal on the denial. Again, I called on XX/XX/XXXX and was informed that they would not reverse it and now I have a sale date for XX/XX/XXXX. Please help me avoid foreclosure and keep my home.
We purchased a home in XX/XX/2016. The mortgage company collects escrow for our property taxes and insurance. I have just received a notice in the mail that our property taxes were not paid in XX/XX/2016 and as of next week the delinquency will be advertised and collections, wage garnishment, bank account attachments, and foreclosure can take place. I have contacted the mortgage company three times, each time they let me know that they will fix it and get back to me. No action has been taken.