WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to register a complaint against PNC Mortgage and Insurance. I settled on a new property on XXXX XXXX, 2016. The loan was held with Fairway mortgage and later bought by PNC Mortgage on XXXX XXXX, 2016. On XXXX XXXX, 2016, I was notified that my home was now located in a flood plain and required flood insurance which they were going to purchase for me if I did not show proof of coverage in 45 days. I reached out to multiple insurance companies and was told that I could purchase the flood insurance because I was no in a flood zone as PNC mentioned. PNC stated I was in flood zone A and the FEMA database had me listed in flood zone X. 

I am disputing PNC 's records and having them update my mortgage with the information listed with FEMA. PNC stated that they are researching my case and hope to have resolution in 10 days. This will put me over the 45 day period and they will purchase insurance for me at an annual premium of {$2200.00}. The standard insurance policy would normally cost {$500.00} for coverage for my home. My complaints are XXXX fold. First, that they are forcing coverage when FEMA is stating the home is not in a flood zone. Secondly, that the forced coverage is extremely overpriced and they are using this forced coverage not to insure me as the homeowner and them as the lender, but for financial gain. 

I would like to bring this to your attention and request that you review and investigate PNC 's practices in this area.
On X/XX/17 or close to that date I applied for a co-branded credit card with Bank Of America and XXXX XXXX. I was denied, and the letter sent in the mail was not specific. It stated that I was denied maybe to a relationship I have with Bank of America. I have a HELOC loan that I have paid on through a bankruptcy ( my name may actually not be listed on the HELOC ) over 10 years ago, and I also have 2 credit cards acquired with Bank of America after the bankruptcy. The BK is well past the 10 year mark and I have excellent credit up in the XXXX range. The BK was related to my husbands business and we kept all of our personal debt including the HELOC loan which he actually used to pay his employees for several months during the financial problems. I felt compelled to repay this debt because it was associated with our home. I did not realize it would continue to cause issues after the 10 year mark. I am wondering what is the cause of my denial when I have excellent credit and have stayed current and continue to stay current our HELOC. This does not seem fair according the to the rules of fair credit reporting.
Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, XXXX wife and I received a letter from 3rd party seeking foreclosure on Chase 's behalfI have faxed back to Chase the packet from Chase regarding the mortgage assistance information that was needed. I have faxed said packet this very morning XXXX XXXX, 2015. Within Chase 's letter and communication it states that we have until XXXX XXXX, 2015 to return the paperwork. Let the record show that the packet was returned to this department 17 days before the final date to apply for assistance for our mortgage. 

I have also, faxed to XXXX XXXX a dispute letter to the validity of the debt we are said to owe in their foreclosure letter and threating correspondence received on XXXX XXXX, 2015 stating we owe by today {$130000.00}. 

We are working with a Customer Assistance SpecialistXXXX XXXXDirect Number XXXX ext. XXXXGeneral Number XXXX also, sent check to pay a payment a few months ago and Chase sent it back to us. I have connected via phone with XXXX and and she has informed me that they are not allowed to accept any more payments and the only option we have is to apply for Mortgage Assistance. 
I have also advised XXXX XXXX XXXX. we will only be corresponding with JPMorgan Chase Bank. I also, advised this firm to save this for their records in accordance with the Texas Fair Debt Collection Practices Act. 
The Attorney General in Texas has been suing companies for malpractice due to deceptive practices and the bank billing us for their attorney legal fees or alleged attorney department? Companies who claim to be a collector but misrepresent their firm as a " Law Firm '' who have made these same greeting statements when this was not the case at all. This is a Violation of Texas Deceptive Trade Practices, Consumer Practices Act, and The Texas Debt Collection Act. 
For my own protection to possible deceptive tactics. I have mailed a copy of this letter from XXXX XXXX sent to me and the XXXX they sent to my wife XXXX to the office of The Texas Attorney General to make them aware of their communication. These precautions are necessary
XX/XX/XXXX Re : Wells Fargo Mortgage XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX Plaintiff : XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX After reviewing the XXXX County Records, I have noticed that the original lender XXXX XXXX XXXX did not record an assignment of mortgage with the first assignment of mortgage being with XXXX XXXX and no records with XXXX County records of Florida indicated or recorded or are found stipulating that XXXX XXXX was assigned to Wells Fargo from the conception or origination of the loan dating as far back as XX/XX/XXXX not to be found. 

Wells Fargo sold the mortgage to XXXX for well below the remaining amount of the principal note up to 50 % less than XXXX on a bid agreed between both parties which may also include no transfer of such funds just conjured paper work covering the hidden negotiations of transactions. Then we have a new assignee XXXX XXXX XXXX who decide to had over XXXX on a fraudulent loan. Considering the facts that you take a principal loan balance and you multiply it by 3 your new servicer is asking XXXX And you claim to help people your actions and recorded documents show exactly what kind of organization you run and promote, no wonder thousands of people who deal with Wells Fargo close their accounts daily, may you find Justice during the course of everything you forged against me, and every time you delayed and dejected the reasonable offers I made to solve the problem that you have caused. 



Sincerely XXXX XXXX XXXX
XXXX XXXX had closed an account for me on XX/XX/XXXX, however I don't recall ever having this debt. I supposedly owe {$65.00} but in the past I've been making payments, which has puzzled me. I was never contacted by email, mail, phone call, and to be honest I don't even remember using or making payments for this. I didn't have my first part time job until XX/XX/XXXX so I don't know how I was able to even open an account. I would like for this to be wiped from my credit history.
I previously filed a compaint ( Complaint Number XXXX ) where the credit card company provided a response. The response provided by the credit card company failed to address the underlying context of my complaint which was that I received a targeted offer with a Unique ID number specifically linked to me. This was not a general offer to which I applied to. After meeting the conditions of the offer, the credit card informed me that I did not qualify for the offer. How could I have not qualified for the offer if I was targeted with a Unique ID number. The credit card company would have had all information on me considering that I have been an American Express card holder since XX/XX/XXXX and would know of all credit cards that I have had since then.
on XX/XX/2018 my account was overdrawn by {$63.00} the following day XX/XX/2018 i am going to deposit {$70.00} so that i will not be charged by insufficient fee but when i check my account online i was charged 3 insufficient fee of {$34.00} total of {$100.00} i called the bank and ask them why they charged me of 3 insufficient fee they said that my account was overdrawn 3 times i told them that on XX/XX/2018 i still have enough fund in my account .they did a double entry to my account that is why my account was overdraw 3 times.I told them that i will file a complaint.i even ask them if they can wave the penalty.
Received a notice on my credit report that I owe money to IC Systems. I have never heard of them nor have I received any bills for outstanding debt.
I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.
On XX/XX/XXXX my brother contacted me and played a recorded message from a XXXX XXXX that XXXX XXXX was put down as a contact for my account and to have me contact them immediately. He also called my in laws home as well. When I called I was told I was being sued for a debt on a XXXX from XX/XX/XXXX. I said its not on my credit report. What type of card was this? All they would say is its a XXXX. I then said isnt this past the statute of limitations and at this point I was hung up on. I called back and was told clearly I do t want to pay this. I asked whats the company he works for. He said western assets. He hung up again. I Called back and he answered that he refuses to have type of dialogue with me. I have no idea what this is or what is happening other than they are calling family and telling me that Im being sued.
Falsely changed the dates of original debt to current year in order to collect on a write off over seven years old
I have had a personal American Express Green Card since 1996. My payments are on time and up to date. I currently had a balance due of {$810.00} for XX/XX/XXXX. But without any prior notice or warning, my account was closed on XX/XX/XXXX. I learned of this when I went to my online account. On XX/XX/XXXX, I had a message to call their XXXX number. I called and the representative said it was a mistake " because someone reported fraud. ". the rep said my card was fine. When I checked my online account two days later, my account said 'CLOSED '. I made at least 3 different phone calls. At first, no one could tell me why my account was closed. Then, the rep forwarded me to another department for help. On XX/XX/XXXX, I spent 90 minutes on the phone with many different reps to ascertain what happened and why. I finally got an answer to why was my card cancelled " this was a business decision ''. the rep said I would receive a letter. I received a letter two days later with a very short explanation stating " your card was used for unintended purposes. '' Both my daughter 's and husband 's card was also cancelled. They did not receive any letter. The AMX letter is inaccurate and false accusation. I have NEVER used the card for an unintened purpose. I use the card properly. <P/>I really think this is outrageous that this can be done. I want to know what was the business decision. <P/>thanks so much for your help.
This morning I woke up to a fraudulant charge for {$1200.00} from Venmo ( PayPal subsidiary ) through my XXXX checking account. Multiple attempts were tried, but they managed to steal {$1200.00} from my account drawing it negative. XXXX says they are stuck and can not do anything unless Venmo cancels the charge today. Otherwise I get to go through a lengthy process of disputing something, I should not be wasting my time dealing with since it should be much easier to deal with fraud charges. They ( XXXX ) knows its bogus, especially when I called them XXXX hours before their fraud team called me to inform me of a potential bogus charge. I have tried contacting everyone at PayPal and they pass the buck to XXXX ( company they bought which in turn owns Venmo ), and XXXX states they have XXXX contact with Venmo other than the XXXXXXXXXXXX email address you will only find on Venmo 's site. No contact numbers, no dispute resolution, nothing. They are a shady company clearly, and they allowed to operate with such autonomy how? Its my funds that were stolen from my account by a company I do not have an account with. So I have been emailing, tweeting, and calling everyone possible. I have all the emails that I have sent, but long and short I need someone to step up and do the right thing today.
I challenged an inaccurate account status on my Trans Union report, and they did not perform a fair investigation. 

On XX/XX/2018, I challenged a report that an account with XXXX XXXX ( for XXXX XXXX ) in the Amount of {$110.00} was not paid. Ten days later, on XX/XX/2018, Trans Union closed my challenge, claiming that they had verified the information with the credit company. 

I can verify that I paid the XXXX XXXX bill in XXXX, and that the reported information is inaccurate. I do not believe that Trans Union performed any investigation whatsoever.

The Trans Union file number is XXXX.
I was supposed to receive concert tickets after sending " XXXX XXXX '' {$150.00} through Google Wallet. The concert was on XX/XX/2017 and I never received the tickets. Since then he has blocked me on twitter after he stopped responding to my messages. Therefore, I ca n't see the direct messages between us anymore. At first he sent me a broken link that said XXXX which was weird because he told me the tickets were on XXXX. The link that I opened was broken. He told me that I could pick the tickets up at the venue which was a lie because I 'd need his ID and credit card information to pick it up. When I asked him he blocked me. This girl that was also scammed by the same exact guy received her money back that same exact day. I 've taken the same steps that she has and I still have n't received my money. Also a representative named XXXX, from Google 's support team, was the one that told me that XXXX was a scammer. He told me that his account is know for fraudulent transactions. Since that is the case, my money should have never went through to his account. Google wallet comes with 100 % fraud monitoring supposedly. This is why I do n't understand why is it that the first person I spoke to on the phone from Google payments ( XXXX ) told me immediately when he saw who I sent my money to that he is known for fraudulent transactions and scamming people out of their money. I want to know why his account is still open and more importantly why any money that is being sent to him goes through if it is on Google 's database that he is a scammer. I was not protected in the slightest and I want my money back from HIM. Not from my bank which is n't being helpful at all but from him especially since you know he is a scammer and let my money go through to his account regardless. My bank ( XXXX ) told me that I have to file a police report and even then there is not a good chance that I 'll get reimbursed. I just really need my money back and no one wants to help me. Thanks.
They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.
Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : Experian : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}
In XXXX I entered into a payment arrangement with Performant Recovery Inc. to pay XXXX a month. I made these payments in a timely fashion. In XX/XX/XXXXI transferred to a new bank and contacted Performant with my new account information, giving them my new account and routing number so that I would not default on my payments. Several months later I recieved notice that I was three payments past due and was asked to pay XXXX dollars before XX/XX/XXXX or my loan would default. I sent them XXXX before the date. I have records of all my payments, which I have sent to XXXX and Performant and included in my dispute.
They transferred my account inXX/XX/XXXX to XXXX XXXX. and considered my account in default status giving me no explanation as to why. I have disputed this with them on several occasions. The only explanation after my dispute is that my account has been " resolved '' but if that is the case my loan would never have been transfered, I would never have been charged XXXX  extra in interest and they would have honored my payments. When I have tried to speak with agents at Performant they always inform me my account has been transferred with XXXX and to speak with them. When I ask XXXX why my account was transferred they tell me it was considered defaulted but ca n't tell me why and have me dispute it. I 've been in a cycle with these people and getting nowhere.
When Champion/Nationstar purchased our RM from   XXXX   XXXX  , we were not notified until well after the transaction took place. Champion claimed I owed all taxes for     XX/XX/XXXX  bu t I had paid {$3500.00}. to the tax authority, Check #  XXXX , then  4 payments  each of {$5.00}  XXXX  to   XXXX .  If I were notified of amounts involved in the purchase, I could have corrected. Now  Champion  tells me to collect any overpayments myself.   On   XX/XX/XXXX ,  Champion/Nationstar filed foreclosure against my deceased wife ( she died     XX/XX/XXXX   ) for {$16000.00} claiming these were taxes in arrears paid by   XXXX  and Champion . Included were taxes  ( real es tate ) in the amount of {$10000.00} for tax yea r  XX/XX/XXXX  su pposedly not paid. My actual  RE tax es for   XX/XX/XXXX   totaled {$5600.00} but Champion thru their attorneys,   XXXX   XXXX   filed anyway forcing me to pay the full amount of {$16000.00} to keep my home. Only later did   XX/XX/XXXX  remo ve foreclosure but it remained on my credit report.   I have been charged appraisal, inspection and legal fees but when I ask for proof,   Champion declines.
I asked Champion to   increase my RM as dictated by the Obama administration.  Champion uses the appraisal from the beginning of the RM of {$250000.00}. but refuses to a ccept current appraisal of {$340000.00}.   Foreclosure is set fo r  XX/XX/XXXX   even though I disputed all.
I was contacted by National Budget Planners and they told me that they could help me re-consolidate and manager my loan repayments for me so they would be affordable based on my income. I was told I would qualify for the pay as you earn program and my payments would be {$39.00} a month which was the charge they had for their services and my monthly payments would be {$0.00}. I also paid an up front charge of about {$490.00} which was broken into three payments. This all happened on XXXX/XXXX/2015. My loans were consolidated by my monthly payments were {$250.00} dollars and National Budget Planners were not helping me with the process. I called them over 4 times in a month period to try and have the problem resolved which has yet to happen. My account was XXXX days delinquent so I called XXXX XXXX to figure out what could be done. The number they gave me were a lot different that National Budget Planners and there was no monthly or up front chargers for me to take care of my loans.
I paid Chase bank and they never updated the information with the credit bureaus. This is hurting my credit report and score and preventing me from achieving my dream of buying a home.
On or about XX/XX/XXXX a company called XXXX XXXX XXXX has posted a document on my front door which claims to have recorded a document ( attached ) called a NOTICE OF TRUSTEE 'S SALE, hiding its real address and information, without any signature, in violation of TILA and the FDCPA, having the alleged recorded document mailed to another company called XXXX XXXX, at XXXX XXXX XXXX, in XXXX, CA XXXX, when I have in fact, appealed the decision of the Bankruptcy Court and it is presently pending before the Bankruptcy Appellate Panel ( BAP ) in Appeal number : XXXX, against the order to lift the automatic stay. This all stems from the fact that the previous lender called XXXX failed to properly apply my post-petition payments made starting in XX/XX/XXXX, to the loan when it was transferred to the present servicer Caliber Home Loans, in or about XX/XX/XXXX. In fact, we have received payment and running balance statements showing that in XX/XX/XXXX there were still late charges in my account for the amount of ( - {$830.00} ) and increased to ( - {$1200.00} ) under Late Charges on XX/XX/XXXX, when the loan was released, and which should have never existed. Also, we must add that a recent letter from Caliber dated XX/XX/XXXX admits that there was a suspense balance of {$2100.00} in XX/XX/XXXX which should have been posted to the post-petition payments and not pre-petition payments of XXXX XXXX, XX/XX/XXXX. These payments, along with those made during XX/XX/XXXXwere misapplied and Caliber again has misrepresented in the attached letter that I am due for " twelve ( 12 ) post-petition payments totalling {$19.00}, XXXX. Please see their third ( 3rd )  amended payment history attached to the letter dated XX/XX/XXXX.
The XXXX at XXXX XXXX has committed acts of fraud and extortion against me. The XXXX at XXXX XXXX informed me that a payment of {$1800.00} was due on XX/XX/2017. When I refused to pay the XXXX at XXXX XXXX {$1800.00}, the XXXX at XXXX XXXX received permission from a judge to evict me. I was evicted by the constable on XX/XX/2017. I am not sure if the constable or the judge knew that I was being charged {$1800.00} when I agreed to pay the XXXX at XXXX XXXX {$940.00} a month. After I was evicted, National Credit Systems put a debt of {$4300.00} on my credit report. The XXXX at XXXX XXXX kept my {$400.00} deposit. I am now in debt {$5000.00} because I refused to pay the XXXX at XXXX XXXX {$1800.00} for the month of XX/XX/2017. The XXXX at XXXX XXXX also charged me fees because the apartment was in bad shape. I would like to see pictures to substantiate this claim. 

I attempted to pay National Credit Systems {$2100.00} to resolve this debt. National Credit systems refused to accept a payment of {$300.00} over the phone after I informed them that the last {$300.00} payment would not be paid form my savings account.