WillisBack/dataset-financial-user-claim huggingface dataset:
PennyMac has withheld funds for more than 60 days preventing us to have the insurance money ( XXXX XXXX ) to get our home repaired. They claim numerous times that there is missing paperwork, even though we have sent it by XXXX Mail ( XXXX ) as well as by fax. Each time we call to check on the 'status ' of our claim, we are told a different story by a different claims rep. For instance, when we called on Monday the XXXX of XXXX, we were told our endorsed checks had arrived and would take " up to XXXX hours '' to process. When we called back Wednesday the XXXX, we were told " The checks were not yet in the system and it could take 7-10 business days for them to clear ''. Each call is a different story with conflicting truths and timelines. We called five ( 5 ) days in a row asking to speak to a supervisor and was told each time, " You are on the XXXX hour call back list '', yet have not been called back ... not even once. We were informed that only XXXX of the funds would be disbursed at a time unless we submitted a request for 50 % release of funds, which we immediately did. Less than a week later we were told that " The Investors never approve more than XXXX. '' It is now more than 60 days since the XXXX check from our insurance company was issued to fix our leaky roof and still pennymac is holding that money hostage with lies and deceit. 
We are in the midst of the " rainy season '' here in XXXX Arkansas, and each day brings more rain that flows through the roof into our home, onto the floors, subfloors, floor joists and foundation. The damage that is occurring is tremendous! We need a new roof ... now! 
A roofer will not fix it for free with the promise of some mortgage company that the money will be sent XXXX day, and we do n't believe they should either. 
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct.
NCTUE Security Freeze  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX PER THE FAIR CREDIT REPORTING ACT : I am writing to you to put a security freeze on my NCTUE credit report. Under the Fair Credit Report Act you are required to comply. I also OPT OUT of NCTUE and any report/file NCTUE or its subsidiaries may have containing my name or referring to me in any manner. 

My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX, XXXX IN, XXXX CURRENT PHONE NUMBER : XXXX Enclosed are the following two documents that verify my identity : Photo ID SS number After this credit freeze has been filed, please send me written confirmation, as well as, a copy of my FULL NCTUE DATA REPORTS to the address listed above. 
Sincerely, XXXX XXXX XXXX
I sought relief from a wrongly filed tax assessment which resulted in a Ohio tax lien against myself from the Ohio Attorney General on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio Attorney General after conducting an investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a zero balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation from the Ohio Attorney General 's Office to provide to each of the credit reporting agencies, asking for removal of the public record from my consumer reports. On XXXX/XXXX/15 the Ohio Attorney General sent on my behalf the letter previously mentioned to Transunion requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Transunion updated the report to reflect the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute online with Transunion. Again I provided documentation by mail, asking for this lien to be voided and expunging from my personal report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be the public record to be reporting correctly. 
I am aware of the statutes regarding the reporting of paid/released liens. I am not disputing the fact the lien is recorded as paid/released with the court. My concerns are with the fact that at the request of the Ohio Attorney General to void and expunge any record from my personal Transunion consumer reports are not being addressed. It is my hope that by filing this complaint with the CFBP, that it is brought to the attention of a Transunion Representative with the authority to remove this wrongfully filed lien from my Transunion consumer credit file.
On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with ally financial on my XXXX report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and ally financial were contacted and still not response. I have found ally financial to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to ally ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. Ally did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mi XXXX XXXX
I received a notification on XXXX that a collection account was added to my credit reports. According to XXXX, it was reported on XXXX/XXXX/XXXX but I never received a dunning letter in regards to this collection account and then I was notified of the account by XXXX. I have never done any business with this company or have any knowledge of this company or the amount owed.
XX/XX/2016 I sent a letter form to JVS Group requesting information about a debt that was on my credit accounts. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me. I did not receive the requested information to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to contact them again and they sent out the verified information, which is incorrect. I have not received the information that I requested from them. I will attach the letter I received from this company along with this complaint.
Equifax credit reporting need to remove the Bankruptcy they have on my credit report because it was dismissed in XXXX without prejudices it was filed in XXXX. I talked to bankruptcy court they have nothing to do with sending it to Credit reporting companies. The other credit reporting have no information against me. I tried to have Equifax remove it. I have had XXXX hard hits against my credit report. Please help me.
XXXX  completely botched XXXX  procedure. Result was XXXX, and loss of XXXX. Dentist dropped XXXX down my throat during extraction. I had to XXXX it. It is gone forever. I have offered to pay for all the dental services prior to the botched procedure. Creditor has refused to negotiate in good faith and are now threatening the credit of my co-signor. Last correspondence to them received no response. I have offered to pay for the work properly done. Roughly {$4500.00}. Creditor insists on trying to collect money for services improperly done, which brings the total to roughly {$10000.00}.
I had a freeze put on my 3 credit bureau reports in 2013. They are still in force. Some one impersonated me while enrolling in credit monitoring at Transunion. They had my social and date of birth information. They were asked questions that were generated by my credit and answered them correctly. ( I have seen some of these questions, which any 10 year old could figure out the answer. ) I would like to know why Transunion releases credit reports when there is a freeze in place? When I re-lease my car, I have to release the freeze to get approval, but anyone with a credit card could get a copy of report immediately? 

This makes no sense to me. Can you help me secure my credit reports?
National Credit Systems is reporting a Rental Debt and it claims that I resided in the unit at the XXXX XXXX. However, despite my letter requesting Validation of the Debt, it will not send over a copy of the Rental Agreement bearing my original signature and/or any relevant document proving that I resided at the XXXX XXXX. Although the representatives are aware that no landlord-tenant existed, they refuse to remove the debt from my credit reports.
My conventional mortgage was serviced by XXXX NJ. In 2015 the mortgage was purchased by Nationstar Mortgage, XXXX XXXX. XXXX, XXXX, TX XXXX. 
Nationstar requested proof that I had homeowners insurance but sent the request to the wrong address. When I sold the home in XXXX, 2015, Nationstar was given proof of homeowners insurance but withheld {$2600.00} as supposed premiums they had to pay. Since XXXX, 2015 I have attempted numerous times to get Nationstar to refund the money but they have obfuscated and confused the issue by requesting additional information which I have provided. 

The Loan Number was XXXX Their Research Reference number is XXXX Nationstar continues to send computer-generated letters stating : ... '' at Nationstar, we take your concerns seriously. '' But in reality they do not. These letters all contain the statement " We [ Nationstar ] will respond by [ fill in the date ]. Of course, they never do. 
This has dragged on long enough. Nationstar owes me {$2600.00} in a payoff overage. 
Please help me to receive my money.
Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.
CBE company calls me repeatedly daily for a XXXX XXXX XXXX. I am XXXX XXXX XXXX with different social security #. I have asked and told them to take me off their list and yet I get called every day. What can I do?
Some debits are billed twice for the same transaction. In the morning I buy coffee from XXXX XXXX XXXX. I was billed {$13.00} several times for the same transaction. Double billing my account.
Good Morning, I hope that this email finds you well. I need help with a dispute with American Express that I have been having since XXXX. 

I made an ACH payment to American Express on XXXX/XXXX/2016 in the amount of {$410.00} and the payment never was applied to my account. American Express has informed me that they have found the transaction but they have also informed me that they ca n't find the transaction. They keep closing the the investigation. I have proof from my bank XXXX XXXX and American Express that the payment was made and received but the payment is not being reflected on my account. American Express claims that I made a payment on another card members account which i never would have done because my account is a corporate account used for Travel Expenses for XXXX. 

Can the CFPB assist in this matter? I have been dealing with American Express for nearly 4 months. 

My Best XXXX
My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX XXXX  XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the manager there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.
So in XXXX I sent a payment of {$1100.00} in a Cashier 's Check to Cornerstone Home Lending, Inc. At that time we were having financial issues and was short on payment. However, Cornerstone cashed the Cashier 's Check and showed on our statement as Unapplied Funds. Then our mortgage was sold to XXXXXXXX XXXX who is our current mortgage company. The {$1100.00} payment was not sent over to XXXXXXXX XXXX  and was never applied to the account. I have contacted XXXX by phone and by mail and was sent a letter stating that they never received the funds from Cornerstone. I contacted Cornerstone by mail at the beginning of XXXX and I have not received any reply. In the letter I stated that the funds can be returned to myself or sent over to XXXX. When I call XXXX all I get is that my loan has been moved to another company and to contact them directly. 

I need to know how I can get this problem solved and my money refunded or sent to my new mortgage company. 

I will appreciate all and any help I can get. 

XXXX XXXX XXXX
I received a Loan Modification from Ocwen Servicing ( loan # XXXX ) in 2012. Recently they have informed me that the modification never happened, even though I have documentation from them that I was approved, and I have never been late or missed a payment in XXXX years. ( Since I went on the home modification loan ) XXXX XXXX XXXX with the XXXX XXXX is assisting me, she has all of my documentation. ( XXXX ) XXXX case # XXXX. I also sent all of my documentation to XXXX XXXX XXXX XXXX XXXX expert with the Virginia Office of the Attorney General.. ( XXXX ) XXXX. Ocwen recently sent me a letter through their attorney, XXXX XXXX XXXX ( XXXX ) XXXX that they were in the process of foreclosure. Please help me. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Have lived here XXXX years. The wife and I recently retired as XXXX. Thanks so much!!
I received a notice from William C. Grossman Law, PLLC today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.
On XX/XX/XXXX and XX/XX/XXXX I went to try and purchase a new car. I agreed to allow credit inquiry by the dealership. During this whole process, the dealership allowed my credit to be checked 16 times on Experian, 6 times on XXXX and 4 times on XXXX. This has destroyed my credit since all creditors say I have too many inquiries. I would never allow someone to hit my credit report 16 TIMES!!! I want these removed. I have contacted the credit bureaus, and there is nothing they can do to assist, so they say.
Very long and drawn out story. We were in the middle of a " modification '' with WaMu when housing market collapsed and loan was given to Chase where they immediately began foreclosure, even though we had been following all the rules of the modification. We then filed bankruptcy to save our home and for 2 1/2 years, we paid Chase back through the bankruptcy. At the 2 1/2 year mark, I spoke to a VP at Chase Mortgage and he set a team on my mortgage and did a permanent modification for me and I was able to remove the mortgage from the bankruptcy. Since that time, I have NOT been delinquent although they still do not report to the credit agencies. My problem is that my Principle Balance is XXXX LESS than my payoff. Principle is XXXX and the Unpaid Principle Balance is XXXX. I realize that some may be back interest from the entire debacle but I also have a feeling that they are gouging me with so many " corporation '' fees and charges. We ca n't get out from under this mortgage. Our mortgage is almost XXXX a month with no END in sight with an almost 6 % interest rate. I have tried with Chase to refinance for the lower interest rate and was turned down. I have called them multiple times asking for a breakdown of transactions on my account and although they sent me a " history '' there is no description. On XXXX XXXX, 2012 there was a XXXX adjustment to my account with ABSOLUTELY no description. On XXXX XXXX, 2012 there was a XXXX adjustment but it gave a description of XXXX XXXX XXXX ( which I fully understand ). I just need to make sure that I do n't have XXXX dollars of FEES AND CHARGES from Chase. We are a middle class family of XXXX living paycheck to paycheck and want to move to a less expensive home and lower mortgage but because of this " pay off '' we are stuck. The only option we have is to give it back to the bank and I DO N'T want to do that ... we have been working so hard on getting our finances back on track and want to be home owners again. I would really appreciate if someone could help us. I 'm not sure what other options we have.
They have identified themselves as DataCheck on occasion.They call constantly ( upwards of 4-5 calls per day ) stating that they are going to garnish my wages within 24 hours. They claim this is for a returned check dated XXXX 1998. I have repeatedly asked that they stop calling and informed them that it is past the statute of limitations. At that point, the agent gets rude and some have started yelling at me and talking over me, and stating that there is no statute of limitations. They have provided several reasons why the statute of limitations does not apply. The last agent that called today stated that I was stupid for advising about the statute of limitations. I have blocked more than 10 different numbers from this caller.
I called Navient in XX/XX/XXXX in regards to my private loans still being reported to the credit bureaus as " charged off '' I am currently in a payment plan through Navients third party where I pay {$300.00} every month on private loans XXXX & XXXX and I'm current, however, they continue to add on late fees and report that this is a collection account. When I asked the representative at Navient to please stop reporting, he said it is within the contract that they can continue to report it as a charge off every month until the account is paid in full regardless if I'm making payments. I asked for him to send a copy of the agreement and I never received it. Proof of payments Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Company reporting : XXXX Tuition Answer XX/XX/XXXX {$390.00} Payment Due Alert PAST DUE XX/XX/XXXX {$25000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$420.00} Payment Due Alert PAST DUE XX/XX/XXXX {$31000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$330.00} Payment Due Alert PAST DUE XX/XX/XXXX {$9000.00} You may have been charged a late fee.
My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for 12 paymwnts of {$2000.00} each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.
I have disputed the student loan account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
I sent a paypal somehow to an invite from someone's old email, and the money was accepted, then I resent to the same email and it was not accepted, I updated to this person 's new email, and then I had to dispute past issues, and the person is having trouble receiving correct money, and my dispute has taken 3 weeks to handle with no solution. I've been charged interest fees and experienced XXXX   from the poor transactions, taking money out of my cards that I do not prefer. 

This old incorrect email is for a " XXXX '' account, and the current correct email is for a " XXXX '' account. Here are the exact emails in this situation 1. Old incorrect : XXXX 2. New correct : XXXX XXXX