WillisBack/dataset-financial-user-claim huggingface dataset:
Ive sent Bank of America multiple requests to remove PMI from my home loan due to meeting the 78 % requirement since  XXXX   XXXX . Bank America has refused to grant my request stating that I must pay a partial claim in full before I am able to remove PMI. Ive asked Bank of America to send me language in writing which states that I am required to carry out such action. Bank of America has failed to do so.
I initially thought that I could use new appraised home values to remove PMI. I contacted FHA and was informed that I can only sue the original appraised value at the origination of my loan. As a result, I have amended the amount of PMI payments in which I shall be refunded. FHA also informed me that there is no language within the Housing Policy Handbook which states that I must pay my partial claim in full prior to removing PMI. My loan was modified in  XXXX . I understand that homeowners who obtained loans after   XXXX    are unable to remove PMI. However, this does not apply to my loan.
I was informed by a FHA resource representative that I have to make another attempt to contact Bank America to resolve the issue. Bank of America has failed to resolve this matter.
The original appraised value of my loan was {$200000.00}. Based on my amortization schedule, my current principal balance is {$160.00}. Ive met the 78 % LTV ratio since   XXXX    XXXX  when my principal balance was {$160.00}. As a result, I have recalculated the amount ( {$320.00}  XXXX    XXXX     XXXX   ) of PMI payments in which I shall be refunded. Can you please assist me with enforcing Bank of America to comply with the terms of contract agreement.
Regards,   XXXX   XXXX
On XX/XX/XXXX, I noticed an unauthorized transaction of {$470.00} pending on my account. I called PNC and told them I did not authorize that transaction, so Im requesting that they not pay it. They said there is nothing they can do until the payment is posted. I waited overnight for the payment to post, and hoped they would have listened to my request, ESPECIALLY BECAUSE I DID NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO PAY THE TRANSACTION. Any reasonable person would have thought that if the customer called in about the transaction, and said they didnt authorize it, AND there is NOT SUFFICIENT FUNDS TO PAY THE TRANSACTION, AND, the BANK HAS THE DESCRETION OF RETURNING THE ITEM, as they have done in the past, why would the bank choose to go ahead and pay it with THEIR FUNDS,, then CHARGE ME ALL KINDS OF FEES, and put my account into a state of overdraft. 

PNC HAS THE DESCRETION OF EITHER PAYING OR RETURNING AN ITSM, FOR WHICH THERE IS NOT SUFFICIENT FUNDS. PNC CHOSE TO PAY IT, EVEN AGAINST MY WISHES, WHICH THEY KNEW ABOUT BEFORE POSTING THE TRANSACTION. 

I called and filed the dispute after the transaction was posted and the bank told me they can not do any conditional credit until the 10 days it takes to process the dispute, while PNC Bank will charge me DAILY fees until they resolve the dispute! Now ALL my scheduled transactions will be returned, including my car insurance, just because PNC decided to use their funds to pay a transaction I told them I did not authorize, and there was no money in my account to pay it and my account is messed up. 

PNC could have issued the conditional credit, and I could have deposited the smaller amount the account would have been overdrawn by, and my account would have been fine. Now, I do not have the use of my account because PNC decided to use their money to pay a transaction I alerted them about.
I have student loans through XXXX XXXX which is now Navient and last year they charged off my private loans due to non payment but still are showing I owe the entire amount and reporting me late to my credit report every month. I do pay a very minimal amount a month and have been for some time. Also the interest rate doubled the original amount I owed from {$60000.00} to {$120000.00}
I have a loan currently through XXXXXXXX XXXX XXXX that I got during my schooling through XXXX XXXX. I was never aware that I even signed up for this loan until my loans started to come in. From my understanding I only had Federal loans, so I have no idea when this loan even came into being. My current interest rate is far to high and the payments are unreasonable. When the payments started coming in it was a repayment of about {$430.00} at a 16.5 % interest rate. I was unable to afford this, so I tried to defer which was only allowed for 3 months. This did not help me at all, because my income at that time was not enough to juggle that, food, and other necessity for my kids and myself. This means my only option was to allow it to hit my credit because they would not work with me. The payments still remain at {$430.00} even after paying and trying to reduce my payments, my interest rate has now risen to 17 % even with paying my bills on time for the last 6+ months, and my credit is poor due to them hitting it because I was unable to afford the payments before so I am unable to refinance the loan to get lower payments and interest rates through another company. They have made it near impossible for me to be able to actually ever pay back my loan or even stay on top of it so that I can rebuild my credit. I am looking for any sort of help or suggestions I can get on how to move forward so that this is not a constant burden to my financial well being.
I refinanced my mortgage over the summer. I used a branch office in  XXXX   XXXX  which is close to my house. My closing was originally scheduled at the end of  XXXX , then moved to  XXXX . I was very careful to specifically ask what my closing costs would be and was told they would be {$200.00}. I have emails to document this. When I arrived at my closing, I was told that the closing costs were {$1000.00} - over {$800.00} more than I was told. My loan officer happened to be at the bank, and when I asked him to explain the discrepancy, he informed me that perhaps because the closing was rescheduled from  XXXX  to  XXXX , that there were additional escrow costs added to the closing.     In addition to this first blunder, my loan officer also informed that I would be getting a refund of surplus escrow money in the amount of {$820.00}. Because of the first error, I asked several times to make sure - I have copies of all of my email conversations with the loan officer to show this. When the time came to receive my refund, they informed me that my old escrow money had been transferred to my new account and I would not be receiving a refund. So I was given incorrect information twice, even after being extremely diligent and asking repeatedly for clarification and accuracy. The incorrect information I was given ended up costing me a total {$1600.00} in unforeseen expenses.     I spoke with the branchs assistant manager the following week and asked if I could speak to the branch manager about this incident. He was busy at the time, but I was assured that he would call me. No call. I did receive a form letter explaining that the money from my old escrow had been transferred to my new escrow account, but I was never told why I was given the incorrect information ( twice - closing costs and escrow refund ), and never received what I consider to be an appropriate apology or consideration based on the   XXXX   huge mistakes they made.
I 'm writing this letter in regards to a formal complaint I wish to file against Nationstar Mortgage LLC. 

First, I would like to shed some background on the many problems I 've encountered due to this company 's incompetence. Our mortgage was sold by XXXX to Nationstar Mortgage on XX/XX/2016. This said mortgage is on our income property located at XXXX and XXXX. XXXX, NY. XXXX. Our first issue was the address listed on the new mortgage was wrong. A phone call corrected that, however this was the start of one headache after another.. 
Next I send my first mortgage payment by mail, along with the information ( a blank check ) to set up automatic withdrawl on the tenth of each month. Late notices aprox. 45 days later started coming. I called they said they did n't have the right information for direct withdrawl. We sent that information 2 more times, for a total of 3 times now. I am receiving late a fewb notices in the mail, which promted me to call numerous times to hear that they just crossed in the mail. That sounds legit, I guess. Next my tenants call me to tell me I have mail. It was a final notice that they were about to start forclosure proceedings. So I make another phone call to find that they never took the last two payments out of my account ... .So I made a double payment over the phone and finally the payment withdrawls are set up ... I should say I hope these payments are now set up ... 
Recently, I received a phone call from my Homeowner 's insurance agents office, stating that my homeowner 's insurance policy is about to be cancelled due to none payment.. I immediately made a monthly payment to insure my policy did n't expire.. I have an escrow account with the mortgage company and they were suppose to pay it ... My agent made a 3 way call including my self, the mortgage company and the insurance agent to figure out what went wrong ... The mortgage company then sent out a check to the insurance company for the wrong amount. More time on the phone the mortgage company sent a second check this time with the right amount. The insurance agent refunded me the wrong amount which I had to return to the mortgage company to be put back in escrow. 
Now I get a monthly statement from Nationstar Mortgage, with a {$75.00} Maintenance fee. Once again call the mortgage company to find out what this charge is. I spoke to a customer service rep she did not know what that fee was, I spoke to her supervisor, he could not tell me what that fee was but I should pay it. 
HERE ARE THE QUESTIONS I WOULD LIKE TO FIND ANSWERS TOO. 
1. ) I want to know if Nationstar has reported me to the credit bureua as a result of their neglegence? 
2. ) What is the maintenance fee of {$75.00} on my monthly bill?
XXXX, my cell phone provider, shutoff my service for an unknown reason. My account was on auto-pay and my credit card had not expired. I have been with XXXX for several years. Because I needed to use my phone, the only option I had was to pay XXXX with my Sears/Citi MasterCard. I could n't even call XXXX to ask what was wrong. 
The very next day, I changed cell carriers, so I wanted a refund of the $ 35 monthly fee. I was willing to pay the prorated amount - {$1.00}. 
I submitted information about the billing dispute ( attached ) and they responded with 'you did n't provide us with information ' and they did n't say what information was missing.
On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, XXXX, and Transunion requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
I recently called and submitted a letter to XXXX XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX  XXXX XXXX  XXXX to remove the collection from my credit report until the debt is validated.
I am a defendant in one of several cases filed on XX/XX/XXXX in the District Court for XXXX XXXX XXXX, XXXX, all of which involve the same debt collection company, XXXX XXXX XXXX. ( Attachment A ). However, on XX/XX/XXXX -- three weeks after these cases were filed -- Second Round Limited Partnership registered the plaintiff 's trade name, Second Round, LP, in Maryland ( Attachment B ). 

Therefore, the mere filing of these cases alone represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA provides that " no business, company, or organization may use a name other than its true name ''. ( See 15 U.S.C. 1692 ( e ) ( 14 ) ). 

Moreover, in each of these cases, the purported address of Texas-based Second Round, LP is the same as the Michigan address of the plaintiff 's Maryland-based attorney, XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. ( Attachments C and D ). Thank you for your time and attention to this matter.
on XX/XX/XXXX equifax shared that my personal info may have been impacted by their data breach. it offered credit monitor & lock services via trustedid premier wensite that has no working contact phone. i called and it hung up on me midway stating it wasnt able to process my request. its website continued with outages. it 's XX/XX/XXXX & i still dont have my credit file locked due to their site outages & repeated " 48hrs wait '' delays. i want equifax and trustedid premier to be proactive and take responsibility for what they have created
I financed a home with Roundpoint Mortgage in 2015 and subsequently refinanced with XXXX XXXX XXXX for a better offer. XXXX XXXX XXXX requested a payoff in XXXX and after going through the normal refinance process, XXXX XXXX XXXX paid the amount stated on the payoff statement generated by Roundpoint Mortgage. In the middle ( or so ) of XXXX 2015 I got a letter from Roundpoint Mortgage stating that my payoff was short and that I still owed roughly {$4000.00} and when I inquired ( over several months of trying to hash this out ) I received conflicting stories. I went back to the title company to inquire as to what happened and they were uncertain given that they transmitted precisely what the payoff requested. In short, it was only later that we all found out that Roundpoint Mortgage paid my taxes and insurance ( which they should have ), but admitted that they erred in not including the escrow account in the payoff statement and subsequently they blamed the title company. Both the title company and Roundpoint have washed their hands of the matter pointing the finger at me to pay on a house that I do n't even own anymore ( it was sold with a clean title ). Bottom line is these clowns are ruining my credit instead of owning up to the omission on their part. I even went so far as to suggest we ( myself, the title company and Roundpoint ) split what they feel is owed so we can wash our hands of the matter and Roundpoint said no - pay up, its not our fault the escrow account was n't included in the payoff and even we n't so far as to send me a caveat they have on all payoff statements that fundamentally states that they reserve the right to skim off the payoff received to cover any shortages ... fine, but should n't they have at least notified all parties involved instead of shorting the payoff and them coming back as if we all were in the know?
I received the response that was given to XXXX XXXX. From that I reached out to Wells Fargo Bank this past Saturday the XXXX. They requested me to go to XXXX XXXX XXXX to tell them that on XX/XX/2018 account ending in XXXX, approved to send my money to XXXX with the ACH trace id number XXXX. I went to BOA and could not request any information because I am not their customer. Therefore I am in a dilemma of retrieving my money back since XX/XX/XXXX with no trace of whether XXXX has my money or if it is the possession of Wells Fargo. I spoke with XXXX from Escalation department from Wells Fargo. Her number is XXXX. The Claim number is XXXX from XX/XX/XXXX with XXXX from the Resolution department. They were suppose to notify me on XX/XX/XXXX on the status of my case. No one has been able to explain where my money went and why is not returned to my account. [ {$2600.00} from my savings ] and [ {$200.00} ] from my savings which was withdrawn on XX/XX/XXXX. XXXX made a fraud claim on XX/XX/XXXX which was denied on XX/XX/XXXX and I never received my funds back into my account. XXXX has since attempted to help me get the bank to return the money into my account. On XX/XX/XXXX XXXX  sent me a letter that XXXX XXXX 's claim was denied. He requested for the denial letter to be sent to me as proof to show to Wells Fargo in an effort to get Wells Fargo to put back the funds into my account. I have attached the letter I gave to Wells Fargo. They have sent me on a goose chase and have not done their job in finding out where my money went since it was not returned to my account.
The bill was paid in full and appropriate credits were given due to constant outages of service for the cable.
I sold my house in XXXX XXXX, XXXX XX/XX/XXXX. Two days prior to the new owner taking over, I boarded a plane to XXXX. All of my belongings including furniture, clothing and automobile, were also transported. The money from the sale of the house was deposited in my bank account shortly after my arrival. I immediatly began paying bills. Since I had used online bill pay for years it only took a few days for my creditors to receive payments. My credit card debt was about XXXX. when I left XXXX, I paid about XXXX, and today I owe about {$8000.00}. I would love having a home, that I can call my own. One day saw a house for sale in the neighborhood I like. I contacted a realtor regarding this particular home, the asking price was XXXX. Immediatly I was transferred to their Loan Department. Later that evening the representative telephoned me to advise me that my credit score was very low ; too low for financing a home. He was somewhat rude, like I just wasted his time. He said I had tons of credit card debt and my house in XXXX XXXX appeared to be involved in a " quick sale ''. He added, there was no way I could get a home financed. 
I amXXXX a XXXX XX/XX/XXXX, I had planned to put the house on the market immediatly, but I love XXXX. It was not untill XXXX XXXX when I sold the house and began making plans to leave. I shipped furniture, household goods and belongings including my car to XXXX where I was raised and have family and friends. The cost of housing is so much lower in XXXX. In XXXX my total mortgage payment was {$3100.00}, and due to the type of loan it would have increased over the next 2 years. 
Another factor which caused my financial problems was, teachers did not get a raise for almonst 10 years. Finally XX/XX/XXXX teachers were given a raise. In XX/XX/XXXX I had to get out of one of those preditory loans, and the new loan started out at 3 % interest for the first 3 years but increased 1 % each year after. I began to use credit cards for groceries and for everything I could not afford. Fortunetly my house was beautiful. I purhased it in XX/XX/XXXX and remodeled the kitchens and bathrooms.
In XXXX and again XXXX my identity was stolen. In XXXX XXXX Walmart started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a 0 balance when stolen, the person ran up 1600+ worth of charges XXXX XXXX XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent Walmart police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called Walmart and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Payment was due XX/XX/XXXX. Payment processed / cleared XXXX XXXX  on XX/XX/XXXX. 

Next billing cycle dated XX/XX/XXXX includes late fee and interest. 

Called bank / lowes. Was given a time consuming run around.
Portfolio recovery associates claim I have a debt from XXXX XXXX account. I never had a credit card from XXXX XXXX ( credit card ). This was reported and showing up on my credit report.
Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.
XXXX XXXX changes my address without my consent. They said that they got a change of address from our post office, but I did not move and I NEVER CHANGED MY ADDRESS. I have called several times, they will not change it back because they say my passwords are wrong. So I set up auto payments to get this paid and I over paid, they will not give me my money back. They are rude and will not help me.
I called in to tell Avant that I was unable to make payments since I am out of work. Though, I wanted to work to lower the interest and continue making payments when I found work. 

However, I called in to ask for help and four times ( on two different cell phones ) their agents hung up on me. They would not assist with lowering my monthly payment until I received another job and instead kept my ACH payment. 

I was forced to place a stop payment on my account to prevent them from over drafting it. Now they call me upwards of five times a day to try to get payment. 

It was already a predatory loan with 36 % interest, but this is getting ridiculous.
Inaccurate wrong and hurtful information being reported by Hunter Warfield to all of the 3 major credit bureaus. I do NOT have nor have I ever had a contract with this company. Nor have I gotten any form of communication from the company in regards to them reporting negative information on my credit report to the three credit bureaus. Which I find to be a violation of the FCRA laws. At this point no communication is warranted as damage has been done. I would like for them to VALIDATE with original signatures and contracts they have along with payments and amounts due pretaining to the alleged debt. If VALIDATION can not be proved, I demand that the negative reporting be removed from XXXX, XXXX, and XXXX immediately. if VALIDATION is found I have the right to request all findings sent to me within 15 days of the finding and demand 30 days to respond which is not likely as there are no contractual VALIDATIONS. Also this company has no business license with the state in which I live in.