WillisBack/dataset-financial-user-claim huggingface dataset:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX Short sale package was submitted to PNC on XX/XX/XXXX. On XX/XX/XXXX we were told PNC had sent a letter to the borrowers accepting them into the short sale program, which the borrowers must receive and complete in order for the file to be moved forward as a short sale. The borrowers have not received anything from PNC, and PNC is refusing to send us ( the authorized third party ) a copy of this letter.

( ( ( In addition PNC has refused to acknowledge the authorization signed by the borrowers on many occasions and we have to fight, literally, just to get PNC to acknowledge that we are the Authorized Third Party. ) ) ) -- see attached Third Party Authorization. I am attaching it here because i know if i do not, that PNC would simply state i am not authorized on the account so that they can outright ignore this Federal Complaint. ) ) ) Since no one has yet received the letter from PNC, the borrowers have taken it upon themselves to write a letter accepting the short sale program. ( see attached letter ) PNC is REFUSING to acknowledge this letter and the express desire of the borrowers to participate in a short sale.

Everyone we have spoken to at PNC is absolutely disinterested in solving this problem. No One seems to understand or care that their 2nd lien will be wiped out if the 1st ( XXXX XXXX ) forecloses. There is an upcoming foreclosure date of XX/XX/XXXX and PNC is essentially refusing to work on this file.

We have explained to PNC multiple times the urgency of this situation due to the upcoming foreclosure date initiated by the 1st XXXX XXXX XXXX. PNC does not care. They are refusing to do anything about the fact that the borrower has not received anything from PNC, refusing to provide a copy of this letter to us as the Authorized Third Party, and thereby is not protecting their investors interests in any way, shape or form.

****** XXXX XXXX  IS RECEIVING A FULL PAYOFF ON THIS SALE AND THEY ARE THE FORECLOSING PARTY. PNC STANDS TO LOSES HUNDREDS OF THOUSANDS OF DOLLARS AND NO ONE WE HAVE SPOKEN TO SEEMS TO CARE. ******** Please help us to get PNC to move this forward. The fact that we have to submit a Federal complaint due to the PNCs apathy and ignorance is ridiculous and absolutely unacceptable.

I want a copy of the letter accepting the borrower into the short sale program sent to us immediately. The homeowner wants to do a short sale and has expressed this multiple times, in writing, to PNC, as have we over the phone as an Authorized Third Party.

**Please see attached Authorization for RE XXXX XXXX and Letter Accepting Short Sale Program.
Over and over, Nationstar Mortgage fails to send me a monthly bill for my mortgage.  I repeatedly asked them by phone to send me a bill, and sometimes I will get a bill, but usually no bill will come. I think they intentionally want me to forget to make my monthly payment so they can collect the late fee.
Considering the how many times I have called them to ask for a bill and they have assured me one would be sent immediately but it never comes, it must be intentional.
I realize that it is my obligation to keep up with when a payment is due and I generally do, but it is also their obligation to bill me which they have repeatedly and flagrantly refused to do.
In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.
I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX. I purchased my home at XXXX XXXX XXXX on XXXX/XXXX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX-XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our deceased father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
I have the same account on my credit report XXXX times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XX/XX/XXXX. This information is wrong this is one account which should be paid in full. 
XXXX Other XX/XX/XXXX Closed 1 Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XX/XX/XXXX Closed {$XXXX} This account below is fraud. 
XXXX Other XX/XX/XXXX Closed {$4100.00} The two accounts below is not mines. 
XXXX Auto XX/XX/XXXX Open - Collection/Charge-Off {$3000.00} XXXX Credit Card XX/XX/XXXX Closed {$1000.00}
There are hard inquiries that where placed on my credit report without authorization. This was removed previously and reinserted by a glitch in the Trans Union system. I spoke to several employees of the CB and they were very rude and demeaning, and refused to remove the inquiries. None of these places had a written authorization to pull my credit and no form of credit was given to me by the place.
I am writing to complain about the interest rate on my Chase XXXX card. It is currently at 28.24 %. This is high for a person who is a long term customer, pays regularly and has good credit. I am asking that you lower the rate. 
I contacted your customer service group and spoke with XXXX on XXXX. They could not help me. As a matter of fact all of the customer service people seemed amused by my request. 
This is a usurious interest rate. It is unacceptable that the rate is so high with the prime rate being at historic lows. I understand that you need to cover your costs and make a profit. But this is unacceptable.
My mortgage is with Guaranteed Rate and I been trying to do a loan mitigation/modification as I am in the middle of a divorce and I don't want to lose the house. We have tried for 4-5 months now to get a response from the bank and they are continuing to give me the run around and not provide any assistance. They continue to find something new to delay the process with or give us the run around for weeks. 
We need help. I am currently paying {$3000.00} dollars a month, I have loss some contracts and my income has dwindle significantly. This has caused my credit to fall, my wife inability to do the same because of their run around. We feel discriminated against to the way they have handled the account. They did not even put my wife in the mortgage breaking the law of home bound as my wife as a right to claim the property and a place to live. This has been going on since XX/XX/ as far as I can recall when we started asking for help and here we are in XXXX and still no response. Not even a guidance from them. All they keep sending is late payment notices but nothing in relation to loan mitigation.
Opened a new Citibank Checking account on XX/XX/XXXX with a promotion code to receive a {$400.00} cash bonus within 90 days of the date that all requirements were met. I met all the requirements and should have received the payment on XX/XX/XXXX. Spoke to citibank representatives multiple times after that date and was told my bonus was being investigated. As of XX/XX/XXXX, was told that the investigation might take up to 60 more additional days to be resolved. Was also told that closing my account and withdrawing my current balance could make me illegible for the bonus. Citibank seems to be clearly stalling payment that is due to many of the customers that signed up for this promotion. By breaking the agreement to pay within 90 days, I believe that this is clearly fraudulent marketing practices and should be investigated as it may be effecting thousands of consumers.
I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.
WOW ... still no official response from BBVA. Tried contacting them today and was placed on hold for more than 4 hours total. Was told that accounts were closed and money was on way. When I questioned it with later rep was told that was not the case. 

Was told my only options were to call earlier or visit a branch. Requested a supervisor and was hung up on.
I was XXXX for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
FCPA AND FDCPA BUREAU DISPUTE VIOLATIONS COMPLAINT AND DEMAND REMOVAL OF INACCURATE INFORMATION ON THE 3 CREDIT BUREAU FILES ( XXXX, XXXX and XXXX ). 


DEROGATORY, DEFAMATORY AND SLANDERING INFORMATION REPORTING ON CREDIT OF XXXX XXXX TO THE 3 CREDIT BUREAUS ON ACCOUNT # XXXX. 

This is an attempt to validate a debt, against by XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX was advised that certain documentation was requested to make a physical inspection and enable me to verify and witness the same in order to prepare a defense that, I may study all evidence regarding this matter within 30 days. Spoke to XXXX on XX/XX/XXXX and she requested fax the denial of credit Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt to Fax XXXX Ive also mailed the notice. Furthermore, on XX/XX/XXXX I mailed out NOTICE AND INTENT TO SUE, DEMAND FOR PAYMENT, as well. As, this request has not been honoured. XXXX XXXX XXXX defaulted but continues to report negative information on my credit report and make demand payments from me. This was an attempt to validate a debt, against XXXX XXXX XXXX the parties of which collectively be known as a " third-party debt collector '', under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I was exercising my legal right to validate a debt that this agencies claim is owed. XXXX XXXX XXXX has report false, derogatory, defamatory and slandering information about to the credit Bureaus on account # XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate information!!! 
My letters was XXXX XXXX XXXX only chance to settle this matter before XXXX XXXX filed a complaint and lawsuit against this company. 

XXXX XXXX XXXX decides to ignore my demand for Validation. XXXX XXXX will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX. My attached letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a complaint and lawsuit. 

Reporting information to the 3 credit Bureaus XXXX, XXXX and XXXX is a VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) and Privacy act. 

Over the past several months, I have tried to resolve this issue on XX/XX/XXXX and XX/XX/XXXX, but to no avail. 

XXXX XXXX XXXX must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt FDCA, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of XXXX XXXX XXXX Tax Registration certificate or remove FALSE, DEROGATORY and DEFAMATORY from credit report! 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Attached credit report, denial of credit letter and Notices. 

Thank you for your assistance. 

Sincerely,
In complaint XXXX, I described how Ditech misapplied my extra mortgage payments to interest when they should have been applied to principal. Their response failed to correct the error. I have been keeping my own records since we began the mortgage which I am submitting as part of this complaint. 

The correct principal outstanding after I made my XX/XX/2018 payment is {$350000.00}. 

The incorrect statement they sent in response to my aforementioned complaint says the principal balance outstanding as of that date is {$350000.00}. 

In addition, they wrote " Your payments were submitted online without instructions indicating how any additional funds should be applied to the account. '' There is no way to provide instructions accompanying an online bill payment at Ditech.com. So it is literally impossible to do what the company asks.
EQUIFAX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
On the day I was flying back from XXXX, XXXX to XXXX XXXX, FL ( XX/XX/2018 ) I received a text from XXXX XXXX XXXX confirming an order to XXXX which was made by someone living in XXXX, PA. Prior to receiving this order I was not even aware that XXXX existed. Further I have never lived or visited XXXX, PA nor have I ever known anyone who lives there. I immediately sent a reply email advising that the order was fraudulent. On XX/XX/2018 I followed up the issue and spoke with a XXXX agent ( the XXXX XXXX card used for the XXXX fraudulent order ) to confirm that the order was fraudulent and was not to be fulfilled. The agent advised that the order had, in fact, been flagged as possibly fraudulent, and advised me that they had done something to cancel the order. Nevertheless, on the same day, and despite having been advised that the order was fraudulent, XXXX/XXXX   shipped the order to the criminals and sent me an email dated XX/XX/2018 confirming same at XXXX XXXX. 

It should also be noted that XXXX advised me on XX/XX/2018 that The fraudulent charges will be removed from the account. This was confirmed in an email from XXXX to me dated XX/XX/2018 at XXXX XXXX which was included in the copy of my XX/XX/2018 correspondence to XXXX which was sent to the Federal Trade Commission and is attached to this Complaint. 

It should be noted that the same criminal used my XXXX card to place an order with XXXX on the same day that the order was placed with XXXX. I took the same action with XXXX and they, in fact, cancelled the order and did not send any merchandise to the criminal. 

It is beyond me why XXXX, after being advised and acknowledging that the order was fraudulent, knowingly sent their goods to a criminal. It is also beyond me why XXXX, after advising me that the fraudulent charges would be removed from my account, failed to do so and, to add insult to injury, charged a late fee and interest to my account and has probably reported the late payment to the credit reporting companies thus damaging my credit standing. 

XXXX failure to remove the fraudulent charges from my account, and it further charging interest and a late fee, constitutes a willful violation of the Fair Credit Reporting Act, in addition to reversing all charges on the account demand is made for statutory damages in the amount of {$1000.00}. In addition it has taken over 4 hours of my time addressing this issue which means I have lost 4 hours that would otherwise have been billable. As a XXXX holding a XXXX and a XXXX of XXXX in XXXX degree my billing rate is {$200.00} per hour. Thus I have sustained further actual damages of {$800.00} is demanded.
This is in regards to loans that I had to put on forbearance and deferment during schooling and difficult financial periods. Navient is charging me an extra XXXX of interest. They say that when I agreed to the deferments and forbearance, they were able to capitalize the interest and the extra interest they get to collect from me. My original loan amounts were {$25000.00}. They now want {$35000.00}. This equates to about 27 % interest in top of my original amount. Not ok!
I short saled my house last year located in XXXX, Florida.However, the reporting agency listed the short sale as a foreclosure. I attached the HUD statement and the deficiency letter issued to me by the bank as proof.
Toyota motor credit orp. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.toyota hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status.

As of this writing, the report on XXXX  says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
XXXX XXXX has decreased my credit limits and closed an account. These accounts that I have had for at least 5 years and have never been late on a payment and have recently paid off all my balances. My credit score was XXXX when they started dropping my limits and closed an account causing my credit score to drop and also being embarrassed when I went to use these cards. I feel the bank did this because I was not using my cards at the time due to buying a house and therefore they were not making any money on my accounts.
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, XXXX XXXXXXXX and American Express are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
We set up a loan mod with wells fargo XX/XX/XXXX. e made the three trial payments and were waiting for a problem with the title ( we have a common name we do not have any liens ). XX/XX/XXXX we were hit storm XXXX XXXX XXXX feet throughout entire house, we are a XXXX, XXXX had XXXX feet. We did not continue with the mod because we didnt know what to do.We had to move out till the house was fixed. Had to fight with mortage co to get insurance money to start work. We paid an adjustor because that is what everyone said to do. We got a lawyer to to the loan mad because at this time we didnt know what to do, the lawyer messed something up XX/XX/XXXX. We are in the process of filing a grievence against him and had to get a different lawyer we submitted another package our lawyer said they said the numbers were good It had to go to the underwriters It was turned down again I just want to stay in my house. We worked so hard on it we could have walked away after the storm but we didnt. We are hard working people we didnt go on vacations. We were trying to get a grant from the SBA for my husband tools, equipment loss in the storm ( we did not have contents insurance ) this is now on hold because they wont work with us until the bank shows that they are giving us a loan mod it a big mess. I feel we our being bullied from the bank because now the house is fixed up thanks to our hard work they want to take it. I have to go to work now. I just want to get this started. Thank you for listening. 
We are sick over this. XXXX XXXX XXXX home XXXX Cell
I had contacted XXXX XXXX XXXX, advised I would be paying off the balance on the card in about 7 days, note the account is 1 payment past due. I also asked for a cease and desist on the account as the number of calls I have been receiving daily is insanity. I have blocked numbers and then they will call from another number. Despite the representative advising that she added the C & D on the account, I have still received 5 phone calls, within 20 hours of advising of C & D.
I opened an account online with Chase Bank. I made a few deposits which all cleared. The day my largest deposit cleared Chase froze my account. One XXXX XXXX 2016 I was informed that Chase was closing my account and that a cashier 's check for any remaining funds would be mailed. 
It is XXXX on XXXX/XXXX/2016 and I just spoke with the department at chase which froze my account. I was told that Chase sent out a cashier 's check for {$25.00} for the remaining balance. After arguing with the Chase representative who ( shocker! ) gave me incorrect information the Chase representative put me on hold and came back and said there is an additional {$1000.00} in my checking account that is being held by Chase. I was told that Chase needed to " verify '' the check deposit into my Chase account for {$1000.00} that was written from an account I own at XXXX XXXX. The check cleared on XXXX/XXXX/2016 which is 12 business days ago. I am attaching my last statement from the account at XXXX XXXX which the check was written on as well as a front and back copy of the cleared check as well as screen shots of my online banking showing when the check cleared. I am requesting that Chase immediately release these funds to me in the form of a cashier 's check mailed to my home address which is also the address on the bank statement from XXXX XXXX as well as the address on the check that was written.
In XX/XX/XXXX, I received a call from XXXX XXXX stating there was a collection entry on my credit report and they gave me XXXX phone number. I called XXXX and asked them what this was about because there was no collection effort and I was unaware of this debt. I spoke to a lady with XXXX and she said that if I paid the amounts due which were {$1500.00} and another for {$45.00} that it would be removed from my credit report within 90 days. I sent payment out same day. Approximately six months went by and it was still showing on my credit report, therefore I called XXXX again and asked why it was still on my credit report and was told they did not remove entries from my credit file, So I dispusted it through XXXX and they removed the {$45.00} but left the {$1500.00}. I recently was denied credit after that and found out it was still on my credit file with XXXX so I disputed it with XXXX and XXXX and then and called XXXX and asked what was going on and she told me to be patient that it would be removed within 30 days. During this time I received notice from XXXX  and XXXX stating it would be removed. Another credit denial in XX/XX/XXXX because of the collections on my credit report. I called XXXX again, and they told me it would be on my credit file until XX/XX/XXXX. Can you please help me with this as this should have never been in collections and is affecting my credit score and my ability to obtain credit through no fault of mine. 
Thank you, XXXX XXXX XXXX