WillisBack/dataset-financial-user-claim huggingface dataset:
I am contacting your office to request that you review an outrageou s letter ( Uploaded to your site ) that I received from the Attorney for PNC Mortgage, relating to the servicing of my FHA loan, and their blatant attempts to obstruct the process of trying to get reviewed for assistance programs due to a delinquency on the loan. I was given the same information over the phone by PNC represe ntative  XXXX   XXXX . Basically, these ag ents of PNC stated that they would no longer consider me for any type of modification assistance because I have submitted too many applications. The letter did not state that I have submitted too many applications and they all have been denied ; the letter does not state that I have been approved for multiple modifications, so I am not allowed to apply again for two years -- -no, it appears that PNC is actually fabricating a reason to deny assistance through a government regulated program. Perhaps in this era of reckless government PNC feels tha t they can change the rules and deny access to government programs that are available for all FHA homeowners, but this is wrong. I am requesting that you open a formal investigation  of PNC Mortgage and the way that they are servicing your loans, because I am sure I am not the only one.       PNC Mortgage is the servicer of this loan, not the investor, and since this is a government insured loan and the investor is FHA there are options that must be consideredloan modification, partial claim, special forbearance, repayment plan etc. My issue is not that I have applied so many times ; my issue is that PNC has not completed a review in an efficient, competent or timely fashion. So this appears to me to be a false attempt to obstruct an FHA borrower from government programs that you are REQUIRED to  offer. There are no FHA guideli nes or restrictions relating to maximum number of ATTEMPTS, especially when the PNC staff is not even completing the review and issuing a decision. We have suffered a true and demonstrable hardship and fell behind on our mortgage. We are now back on our feet and our financial situation has steadily improved and changed. We are entitled to a full review for all government programs available. PNC Mortgage does not have the right or the authority to obstruct this process. I feel deserve the opportunity to have my case escalated to the Office of the President and deserve the opportunity to have my current and correct financial information evaluated for all government programs that exist for FHA borrowers. I have been told that PNC is  required to do so, and they need to comply with the federal rules and guidelines for this government insured loan. I actually as ked PNC if th is was an FHA rule or something internal, and they stated that it was an internal decision.     This is wrong, we have sufficient income to afford a reasonable payment and this is an avoidable foreclosure. I am requesting that your office intervene in this matter so that I have the opportunity to save my home with the programs that are in place.
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 3.Clarity Services Inc XXXX 4.XXXX  XXXX XXXX  XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX  XXXX 8.XXXX  XXXX XXXX XXXX   1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
I worked out a settlement with XXXX and Transworld Systems. We were told by representative XXXX XXXX that we could receive a settlement letter dated for XX/XX/XXXX which gave us the time we needed to transfer settlement funds from a retirement account. However, the settlement letter stated the due date of XX/XX/XXXX. When our representative called back in and spoke with team leader XXXX XXXX, she said that the payment could not arrive on XX/XX/XXXX and had to be there on XX/XX/XXXX - a complete contradiction to what we were previously told and planned for. We then offered to have the letter driven to the overnight mail location, and XXXX XXXX said that this may not be possible. We do n't understand why it 's not possible to hand deliver the letter ourselves on XX/XX/XXXX if they went back on their promise of extending the due date to XX/XX/XXXX. When our representative tried to ask her for either a new letter dated XX/XX/XXXX or to be able to hand deliver it on XX/XX/XXXX, she laughed ; and then claimed she had no ability to send any letter and did not know how to coordinate a delivery in person. We 've done everything possible to meet Transworld System Inc 's demands, only to find that they send erroneous settlement letters and change their demands depending on who happens to answer the phone when our representative calls. We are filing this complaint because we want Transworld to honor the terms of the settlement that we agreed to and to facilitate either the delivery of the settlement payment in person on XX/XX/XXXX or to be able to get an extended letter for XX/XX/XXXX. XXXX XXXX 's response to the situation was unhelpful, insulting, and disrespectful given that we are doing everything possible to meet Transworld Inc 's demands after being promised the payment could arrive on XX/XX/XXXX by rep. XXXX XXXX.
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
In XX/XX/2018, I called American Credit Acceptance concerning a late fee and to ask to change my due date. The conversation did not go well. After my call, they stop sending me my monthly statement showing how my payments were being applied. I sent them an email XX/XX/2018, stating that I had not received my monthly statements since XX/XX/2018. And, that I could not view how my payments were being applied on their website.

XXXX XXXX   <XXXX>, responded on XX/XX/2018 with an attachment that I could not access because it was time sensitive. As of today, I can see the dates that all payments have been received ; I just don't know whether the principal and interests amounts have been applied appropriately. As of today, I have a balance amount due of {$1300.00}
On XX/XX/2016 I received a check for {$8.00} from Wells Fargo. I called the XXXX number on the letter where they asked me for my social ; the whole conversation felt fishy. I went to my bank to discuss this with someone. I was informed my account was closed a month ago. To my shock, I demanded and explanation. No one could provide me an explanation as to why my account closed and why i had received no correspondence. If I received this check, why was I not receiving any correspondence about my account closing? I am furious and concerned. I am certain that there is a flaw in the system and Wells Fargo is not contacting customers about account closures.
In XXXX of this year I received notice to re-certify my enrollment in the Income Driven Repayment plan through Navient. In early XXXX I sent in the documentation for myself and my husband, who was unemployed at the time. A couple days prior to the XXXX XXXX deadline I called to confirm the application had been processed. At that point, the customer service rep informed me that the signature page did not come through properly. I confirmed that everything else looked fine and was in order, and that evening uploaded the application signature page to the company website. About 2 weeks later, I call again to confirm that the application has been processed, only to learn that now they had an issue with my husband 's income documentation. We submitted his Virginia XXXX XXXX XXXX letter, which show the gross dollar amount, the effective start date, the number of payments and the effective end date. This is the official document the XXXX of Virginia sent to my husband. After this was explained, the customer service rep said they would note it in the file and submit it for expedited processing. I called back on Tuesday XXXX XXXX to check the status, and it still had not been processed because this question around my husband 's income documentation. I asked to speak to a supervisor, and got XXXX, who after we explained everything again, agreed to escalate the issue and would get back to us in 24 hours. Today is the XXXX, and we had not heard back from her, we have called again to try and reach her but only got a rep who said she would inform XXXX that we called and let her know to contact us back. We are concerned because I have been told that the XXXX of XXXX is the final day to get this processed so that we are not paying the non-IDR rate. Without the plan my monthly payment goes from approximately $ XXXX to over $ XXXX. This is not affordable for us.
Recently I was contacted by High Point Asset, Inc. and told that I had XXXX Pay Day loan debts that were out standing. My home address that High Point Asset, Inc. provided was incorrect, but they did have the correct bank account information. High Point Asset, Inc. would not provide me with any information pertaining t o the creditor/creditors that I supposedly owe. High Point made me agree to a payment schedule where they will be taking money out of my bank account starting on XXXX/XXXX/2015 each month until XXXX XXXX, 2015.
Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.
Deactivated my car whenever I was a day late making a payment, causing me to miss work.
On XX/XX/XXXX I ordered a credit report from TransUnion for {$19.00}. I thought I was making a one-time purchase of a report, but was instead enrolled in an ongoing monitoring program charging me {$19.00} per month. Since XXXX, I have received several " update '' emails about changes to me credit report, but no bills, statements, or other indications that I had an ongoing subscription with TransUnion. I have therefore been paying {$19.00} per month from XX/XX/XXXX until today XX/XX/XXXX. I called TransUnion to dispute the charge. They refused to refund the ongoing charge, but agreed to terminate the subscription immediately. 

I believe the lack of regular notices about the recurring charge is an underhanded way to keep people inadvertently subscribed to the service.
Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.
. In XXXX XXXX I inquired about this account concerning an error on my bill. XXXX XXXX Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by XXXX, the Experian Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the Experian Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law. 

I am highly concern about XXXX XXXX future reporting on this credit line item because it is an open-line capital account : line of credit with no collateral. This account is based on solely on my good credit history and my credit rating. This action questions my inability to pay to other creditors and not the dispute between us over the high APR rate 27.240 % for accounts in defaulted on contract. I am fighting to change the APR rate, pay the debt, protect my good credit history, and my future financial creditability. I have learned from the XXXX ( letter dated XXXX/XXXX/XXXX ) that XXXX blocked my ability to get loans possibly indefinitely.
Between XXXX 2016 and XXXX 2016 Suntrust Bank has charged me more than {$500.00} in overdraft fees caused by their policy of reversing debits to increase the number of fees that they can charge. Some of the debits that they reversed on my account were days old before they reversed them. Some of these charges were less than {$10.00} and incurred charges of {$37.00}.
My Bank of America account was charged a {$35.00} fee on XXXX XXXX 2017 for an overdraft of {$170.00} on the same date which brought my account to a negative balance of - {$210.00}. On XXXX XXXX 2017 the account was still overdrawn for that amount when I came in as I always do to cash my paycheck of {$710.00}, expecting to pay off the negative balance and take the rest out in cash, but the representative told me she would be unable to cash my check. I explained that this is unusual and asked why and she replied that it was the system not allowing me to cash the check. The best she could do was give me {$200.00} of my check. I said no thank you I will go cash it else where out of frustration for no being able to have access to my money as I needed the funds so I choose to the other local branch just down the street.Unfortunately it was just closing but I had the opportunity to speak with a representative who said the end of the business day was XXXX XXXX for those ATM at the branch, so if I did not want to incur an other {$35.00} extended overdraft fee I could still deposit my paycheck which was important to me as well. So I chose to deposit the check and had then expected to be allowed to use {$200.00} of my check deposit and instead falsely stated I had {$300.00} available now of which $ {$60.00} was the only amount I managed to withdraw. When went online to get a better idea of what was going on since the receipt would not show my available balance and why the bank held funds that are usually treated as cash I found nothing to justify it. The only transactions at the time was the same as it I was required to pay as I did on the XXXX of XXXX 2017, and could have been deducted immediately after deposit my check via ATM or even by phone as long as it was before XXXX that day. My online Bank of America account stated on XXXX XXXX 2017 a deposit for {$710.00} was made of which {$300.00} was availble now and {$410.00} was being held as credit pending to cover items posted on the XXXX XXXX 2017. The account reflected a {$300.00} credit to my account which should have been avail now and was not. I believe I should have been able to cash my paycheck as always. After bringing the account out of negative status should I have received the remaining portion of my check ( {$490.00} ) if there was nothing else that could have been pending at that time as there was no existing transactions or any type of authorizations from the time of the overdraft date and had no reason to prompt such a hold.
Invoice # XXXX from XXXX XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
I refinanced my mortgage in the early Fall of 2016. The mortgage was acquired by Wells Fargo with payments to begin in XX/XX/XXXX of 2016. There was an escrow balance transferred at the time of closing. My monthly payments were to be approx. {$1900.00}. I received word from Wells Fargo a couple months ago that the escrow account was underfunded and that resulted in me owing {$5700.00} which could be paid in full or paid over time for an additional {$600.00} a month to my mortgage. This seems grossly negligent, how could {$5700.00} accumulate over just a few months. How could the company not tell me about the potential shortage in advance of it happening so that I could begin paying an adjusted amount immediately, rather than waiting almost a year and allowing almost {$6000.00} debt to accumulate?
I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with experian to XXXX, XXXX   drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.
After returning from  XXXX , I found my credit card was declined in the states. After talking to customer service, I was told there was a breach at a business and I was issued a new card but had not activated it. This breach was found the previous month. There was no new card, no communication to me and I was told I could receive a new one in  7 to 10 bus iness days. They " expedited '' this t o 3 to 5.  I have an issue with the company completely cutting off a credit card in good standing, paid up to date, with no communication to the card holder. I checked phone logs and there were no calls or emails. By a mere one day, I could have been in  XXXX  with no credit card. Also not sure why they let me continue to use it in  XXXX  when they were aware of this Breach.
The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone.
Paid off a vehicle load in XXXX and it still shows up as if it is not paid off in the credit reporting agencies.
I purchased {$5700.00} of furniture and decor from XXXX XXXX on XX/XX/18 using their store-branded credit card ( can only be used at XXXX stores, not a XXXX, XXXX or XXXX logo card ). I checked off the box for a promotional 0 % financing for 12 months. I made sure that I did that critical part of the step. I paid my first payment due XXXX and when my following statement came due for XX/XX/XXXX, I noticed a {$120.00} interest charge on the statement. 

I didn't think the statement due in XXXX had all of the purchases I made on it because some of them hadn't been delivered, that's why when I saw the minimum payment as {$320.00}, I assumed that was because only half of the furniture had not been delivered. 

I called to dispute this and they told me they would return my call in the next couple of days. It has now been 7 days. I signed up for a 12 month promo period, and they just put it in a payment plan that was due immediately. This is very disappointing.
I have tried to work with Nationstar Mortgage but they have said they prefer to short sale or foreclose. I believed I qualified for a HAMP loan but it was denied. They issued a Standard Loan Modification that I could not afford. Nationstar is forcing foreclosure and short sale only options. They have said that they are not obligated to provide me with a loan modification. My problem with this is ; I would never do business with this company, but I am forced to. Where is my protection from predatory non-bank lenders? 
I want to keep my home.
Got multiple calls from this agency at inconvenient times. I told them I would call when it was convenient for me, they continued to call. I looked at my credit report to see who ERC was calling on behalf of. I finally called them back, they person in whom I was speaking to started off in a regular tone, after me asking multiple questions the customer service rep started to be rude. I asked the rep once I paid the amount owed would something be sent to me so that it could be taken off my credit report, I was assured that a letter would be sent to me once payment was received. The rep went on to take my payment and told me that I would have to pay a convenience fee in order to take my payment. I told the rep that I've never heard of such a fee and that i didn't feel that that was fair. After heavy sighs from the rep and talking in circles about what the fee was for, I reluctantly paid XXXX. My bill was XXXX and I had to pay a XXXX convenient fee. The whole conversation was draining and I was so confused and felt I had been taking advantage of.