WillisBack/dataset-financial-user-claim huggingface dataset:
The credit reporting agency is reporting my home mortgage as an installment loan rather than a mortgage, is listing credit inquiries that have gone past the period they should remain on my report and should be dropped. In both cases, the inaccurate reporting has lowere d my my credit score cons iderably ( approximately  XXXX  poin ts ). I n the case of reporting my mortgage as an installment loan, potential creditors have denied application for credit citing large installment loan balance. My home lender has called the reporting agency, written letters, I have disputed the entry as inaccurate which remains in dispute and the reporting agency has not corrected the inaccurate entry. In the case of the credit inquiries that should be dropped from my report has given potential lenders the excessive inquiries and has reflected negatively on their decisions for credit and cited as a reason for denying credit.   With another credit reporting agency accurately reporting Mortgage and credit inquiries m y credit score is  around  XXXX  points higher and has yielded favorable decisions for credit or limit increases. I have no collections, no default loans, 100 % good payment history and my score and credit rating and inaccurate entries reported by this agency unfairly causes negative or adverse decisions by potential lenders.
This loan was included in a 2009 bankruptcy under XXXX and now under XXXX they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
Currently trying to resolve a property claims issue with Pennymac that has been ongoing for 28 days with absolutely no response from them or resolution. Our home was involved in a Natural Disaster in XXXX 2016. We are currently at a stand still on our home repairs and have leaking roofs that continue to get worse due to the lack of response and resolution from Pennymac Loss Draft Department. After 15+ phone calls to them for a release of additional insurance funds to move forward on to the final step of roof repairs for our property I continue to get the same response that a request to release another XXXX of the funds has been submitted and will take XXXX5 business days for a response. To date every phone call ends the same way with the Rep indicating they do not see where the request was submitted and they would send the request and I would receive a phone call within XXXX-48 hours. Still no phone calls from Pennymac at all and no closer to a resolution. I continue to be told their process is to release funds at XXXX at a time after inspections. However, I have explained every time that the XXXX process does not work for my property loss and repairs. I have explained to them over and over to look at the Insurance itemized claim, it clearly shows I 'm at a stand still on repairs. To even get to the next step in roof repairs it requires the majority of the remaining insurance funds to be disbursed. My primary damage was roof damage. House roof and damage has been repaired and next step is all the detached property repairs which is all metal roofing and XXXX body/piece of work. For some reason no one at Pennymac can understand what is needed and continues to not execute on any of my phone calls to date. I had to cancel a contractor today simply because I ca n't get anywhere with Pennymac. With every rain that comes while dealing with pennymac there is more damage to my property where the roofs continue to leak. This is absurd. We have insurance coverage and yet ca n't get my repairs complete. Will have more damage and I expect XXXX will be responsible. I have submitted all the documents Pennymac requested on each phone call but yet nothing has been done to assist. I have exhausted all efforts with Pennymac and asked to escalate today XXXX/XXXX/16. Spoke to an Escalation Rep who also provided the same information. Supposedly a request for the needed funds was submitted today, however, the request is only as good as XXXX. approval for the release. At this point I will submit a complaint with Regulatory from every XXXX available for assistance. I hate to think how many other XXXX XXXX are, or have gone through this with Pennymac.
Please see the attached letters from the Federal Trade Commission. I request that the accounts of XXXX XXXX and XXXX XXXX be immediately from my XXXX, XXXX, and XXXX account.
I 'm not sure if this is the same debt that was tried to collect from agency XXXX XXXX XXXX a few months ago I think it is an the debt is not mine it was opened online I sent in paperwork to show that my identity had been stolen as well as proof the account they had deposited the money in was not mine. I have no contract or agreement with XXXX XXXX XXXX or the current owner ( National Credit Adjusters ) of this account I 've requested information with my signature along with any other documents they provided nothing. This account was sold by the original owner cause they could prove this was my account by that being done the original creditor sold the debt to this agency so they forfeited their rights to collect any money from me. They need to remove this from my credit reports right a way an stop selling the account.
My Name is XXXX XXXX XXXX, on XXXX, 2018 I wired {$65000.00} to XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. XXXX XXXX of XXXX have file a complain with FBI, I have not file a complain with Suntrust yet. dont know where can I find them. since the account and name does not match they shouldn't accept the money.
I have repeatedly requested information from Nationstar regarding their alleged right to service my mortgage. I have sent numerous validation requests, QWR 's, as well as letters to the CEO regarding the inconsistent, misleading, and disturbing information I have received from Nationstar. I have several documents from Nationstar with claims that they are servicing this mortgage for different entities at the same time. As a consumer, I have the right to make sure that I am paying the correct entity who has the right to collect. I have made numerous phone calls to Nationstar and each time I receive different information. It is no secret that there is rampant mortgage fraud going on in this country and I am trying to protect my family becoming victims to this fraud. Nationstar has also charged my family monthly for inspections that were never done. They refuse to correct or explain why we were charged for inspections. My latest request for information was sent to Nationstar CEO XXXX XXXX hoping that he could shed some light on the misinformation coming from his company. During calls to Nationstar they mislead consumers as to whether they are a debt collector or not. After repeated questioning about why they state " At times Nationstar may act as a debt collector '', they reluctantly indulge that they are a debt collector. This is very misleading to consumers.
XX/XX/2016 I applied for a payday loan through Big Picture Loans. My application was recieved and I was authorized for a {$400.00} loan with a financing fee of {$140.00}. They said they needed addition to process the loan, They attempted to contact me via email and phone calls, to which I never responded. Eventually they notified my via email that the funds were approved ( although I never spoke with them to confirm or provide the information they were asking for ). The {$400.00} appeared in my bank XX/XX/XXXX. Beginning on XX/XX/XXXX I had my first payment withdrawn from my bank in the amount of {$140.00}. Since then I have paid {$140.00} every two weeks for a grand total of {$690.00}. Much more than the {$540.00} I was under the impression I would be paying. Since then I have further delved into the disclosures and have come to realize that the first several payments do n't even go towards the principal amount of the loan - they go into interest. As a matter of fact, I have learned that the actual payback amount of the loan is {$2200.00}. That is an interest charge of {$1800.00}. While this information is available, I feel it was very misleading and would have never agreed to this loan if I knew the full extent of the interest I was going to be charged. My loan number is XXXX.
Every month captial one keeps charging me  XXXX  late fee because my dates are not on time. My min. payment is  XXXX . I called and asked whats the problem I closed the account and told them I 'm tired of fees that are more than min. I pay any where form  XXXX  to  XXXX  payments month ranging from $  XXXX  {$20.00} week so I pay more than min every month so they say the problem is I 'm  XXXX  due because the late fees keep adding up they have charged me almost {$200.00} late fees and have n't used the card in last 2 months so my balance just keeps going up. So this is my thought your saying i could pay consistent every month but because I do n't pay on time this company can just keep charging. So I did math lets say I keep paying the same amount every month that means every year they add {$420.00} to my account and If I never use the card they can do this. This is not right this is n't justice this is n't looking out for customers, but they could continue to profit for the next 2 years if I'am going to let them. The system does n't work it set up for the rich to profit off the poor to keep people down.
I am writing on the advice of XXXX XXXX, XXXX State Attorney General. I was contacted by XXXX XXXX XXXX.. XX/XX/XXXX. They collected money on my credit card for magazines for 3-4 months. They called me as well as me calling them to cancel the subscriptions but said it was too late. I canceled my credit card so they could not withdraw anymore money. Now XX/XX/XXXX I have received a total of XXXX letters from Interstate Recovery Services at XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX stating that they are trying to recover XXXX debts for the amounts of {$39.00} and {$590.00}. I also paid Subscribers Services a total of {$320.00} for a one year subscription fro XXXX magazines. I do n't know if these XXXX businesses are related. 
I have sent my documents to XXXX XXXX and forgot to keep copies for me. She should have them in my file.
From the very first contact of this company to the last contact of this company they have violated many laws. The very first time they contacted me and I told theme to stop calling. They continued to call my cell phone while I am at work and say if I do n't put it in writing they calls would continue. Second they use an autodialer which my phone number is on the do not call list which violates their laws of use of an autodialer. Third I payed off the debt and requested a payed in full receipt and they said they do n't send me one. Just a payment conformation. Fourth they are charging fees on top of the original debt which is not in the agreement of the original debt. 3 % fee attached to payment.
PayPal CreditThe email message received by me recently ( below ) confirms illegal withdrawal from by XXXX XXXX XXXX account in the amount of {$670.00}. Recently, I purchased an iPhone from the XXXX website, on a 6-month interest free plan confirmed by PayPal. I had already made a {$250.00} payment on this account a few weeks ago, and was horrified when PayPal informed me that the above amount was transferred from my account. 
Conveniently, the message arrived after the amount was transferred, and consequently, no opportunity to dispute. 
The 6-month interest free plan is misleading and deceptive, and the withdrawal of the remaining amount owing that was not authorized is nothing short of theft. 
Internet blogs confirm that this unethical business practice by PayPal goes on all the time. 


Hello XXXX XXXX, Thank you for making a payment online! We 've received your PayPal Credit Payment of {$670.00} and have applied it to your account. 

Here are the details : Your PayPal Credit Account Number Ending In:XXXXYou Paid : $ XXXXYour Payment Date*:XX/XX/2015Your Payment Confirmation Number:XXXX
To Whom It May Concern XX/XX/XXXX Dear Sir/Ma'am, I have been trying with no success in endeavoring to obtain a loan modification since XX/XX/XXXX. I am in the XXXX ( I am a XXXX ) and thus, am very knowledgeable on what a successful loan modification submission should entail. That said I have now definitively learned that no matter what my financial where wherewithal is ( and it is very, very solid currently- I can easily make my full payments even if no modification is offered ) I now learn that OCWEN , through their investor, XXXX XXXX `` does not have the contractual authority to modify ( my ) loan because of limitations in our servicing agreement. '' It is worth noting that such disclosure relative to XXXX XXXX 's lack of loan modification participation was not disclosed to me prior my purchase XX/XX/XXXX, a clear RESPA violation XXXX nor was this non-participation disclosed to me during the over XXXX loan modification submissions I have submitted since XX/XX/XXXX. It is also worth noting that XXXX XXXX has retained this loan since the time of inception- it was not sold to any other third party nor has it been serviced by any other lender than XXXX XXXX XXXX XXXX . In addition I 've tried everything to get this mortgage company to help me keep my home. which they informed me they are retaining, and also that they are moving forward with the foreclosure sale. 
They humiliated me and compelled me to reveal all of my financial dealings, knowing full well that at the end of the day, what I was seeking was impossible. So they take my money, they take the Obama money, and bulldoze my rights. If it was impossible for me to EVER obtain a loan modification, why act like it was feasible. It is and was cruel on their part, time consuming, and conduct one would not tolerate from a XXXX year old, much less a fortune XXXX firm. 
Sincerely, XXXX
XXXX XXXX XXXX. sued me in XX/XX/XXXX for a XX/XX/XXXXBusiness Card that was in dispute ( XXXX XXXX XXXX XXXX ). The case was dismissed as I requested Arbitration and XXXX refused to arbitrate. Back in XX/XX/XXXX, Month after month, and sent many letters, disputing the fees charged by XXXX XXXX XXXX XXXX, as they grossly misrepresented the facts surrounding the Card usage and was told they would reverse the charges which were approximately {$900.00}.
The company went out of business, however, XXXX XXXX XXXX purchased the writeoffs.
The chargeoff was reported to my credit bureau XX/XX/XXXX according to a recent report pulled in XX/XX/XXXX.
The last payment made to XXXX XXXX was in or around XX/XX/XXXX as I had dissolved the business. The balance was the disputed fees that were to be reversed.
I disputed the account with my credit reports, however, XXXX  verified saying it remains. XXXX is also reporting the amount of {$2300.00} and saying that it was opened XX/XX/XXXX.
On XX/XX/XXXX, I drove by an ATM machine located outside Webster Bank in XXXX CT. I inserted the Webster 's ' Debit card and asked for {$200.00}. The ATM machine dispensed only {$120.00}. 
Immediately I went to the bank and dispute the transaction. After a week I receive a letter from Webster bank saying that after the bank audited the ATM machine it was found {$40.00} surplus and this amount was credited to my account. 
I called the bank several times and I was told that this was the final decision. 
Since the ATM machine seems to be malfunctioning that day, perhaps it dispensed {$40.00} more to someone else.
I contacted rent recovery about a debt on my credit report I requested the proof they emailed documents with different date for the application the lease as well as someone else personal info it shows month to month fee among others fees. And a signature that supposedly mine with no date when it was sign no signature from the other person name on the lease are the landlord signature this document 's are date agreement was executed.
On XX/XX/XXXX I made a purchase with my Chase Card online at Amazon. Although I used my reward points for this purchase, and points were deducted from my point bank, I was ALSO CHARGED the amount ( {$22.00} ). 

On XX/XX/XXXX this happened again. I used reward points to pay for three items totaling {$100.00}, and used {$27.00} worth of reward points toward the total. However, although the points were deducted and shown as being 'used ', they were not in fact applied to the purchase. 

The company ( Chase card services ) reimbursed the {$22.00} from the XXXX complaint. I am waiting for the paperwork for the second complaint. 

I am concerned that XXXX is defrauding its customers who are n't diligently checking their Amazon.com bills. The Amazon.com bills are PAINFULLY difficult to reconcile with purchases and Chase and Amazon are taking advantage of this to defraud customers of the money they 've earned through reward points. 

Amazon should also be forced to include a description of what you purchased on their bill. Every transaction is labelled the same and even though you might buy three items at once, they show up on your bill as three individual items, often on different dates of purchase. This makes reconciling your monthly bill a nightmare and makes it more difficult to spot errors, like the failure of points to be applied.
I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.
Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.
Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing XXXX XXXX XXXX who was representing Citi/Sears XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did  n't understand why they did this when I worked out a payment arrangement with the mediator and their law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.
I have called Equifax on several occasions since XXXX and disputed items over the phone. To no avail. they continue to report inaccurate information on XXXX, re-aged accounts. Accounts that I have no knowledge of the debt. Debt aging back to 2009. I have sent them a certified letter in re-gards to the inaccurate reporting. They have damaged my credit rating and I have been unable to obtain a mortgage or new credit. This has cause me distress. They have lowered my credit score to XXXX when I have XXXX open accounts in good standing for almost a year. They refuse to acknowledge this and report a better credit score. They have really hindered me. I have tried unsuccessfully to get results from them. My next step is legal action. So I am reporting my claim to you as well and will disclose my final attempt for them to correct the matter.
I have had water damage to my property and the mortgage company 's lost draft department gives me different answers every time I call. I am never able to speak to a Manager or Supervisor, they are always in a meeting. Online they have requirements that are outdated. As a consumer, how can I follow a process that is incorrect no matter what source you contact or research online. The water damage happened on XXXX different areas of the property and they combine both claims conveniently to allow then to put me through the monitored process. If the claims were separated I would not even qualify for the monitored process. I have paid monies out of my own pocket to begin the repairs but they are refusing to release the funds to reimburse the monies spent or for other items such as appliances and XXXX XXXX.
I contacted Equifax on Friday XX/XX/18. I explained to a woman there that XXXX Credit Union showed that Equifax has not properly reported payment history on my account since XX/XX/2018. Equifax is to report monthly. Founders show that I have successfully made all my vehicle payments on time. The problem now is that I was applying for credit at XXXX Credit Union during the week of XX/XX/2018. My credit check showed that Equifax has not reported my credit history for XXXX since XX/XX/2018. There is also no updated reporting for XXXX from Equifax. I would like this issue resolved asap. I also called Equifax on Monday XX/XX/18 and was told by worker, XXXX, she did not see a reporting issue. I informed her that there was a problem, if not to please send XXXX a report saying otherwise. I have restored my credit to decent status over the years. I do not want anyone to anything to adversely affect my credit. I need this matter resolved asap. XXXX representative can be contacted at XXXX. He was the one that was checking my credit with my permission. I hope those involved will seriously handle my credit as if it were theirs. Please correct this. Thanks,
Claiming I am in default for {$2300.00}. Which I am not only have a few payment remaining about 9 payments till house is paid off.Threatening foreclosure on house with extra fees on market analysis or appraisal that will be ordered within next few days.
This is a fellow up with previous case # XXXX-XXXX. you have requested more information. Here I attached the documents that will show you my mortgage you bought from XXXX XXXX XXXX. This is the Assignment of the Deeds. 

Thank you XXXX XXXX
I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.