WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is with Ocwen. My loan to value ratio is ~77 %  based on the original sale price 3 years ago. When I contacted Ocwen to have them remove the PMI on my loan I was originally told my loan had not crossed the 80 % loan to value threshold. I explained that their numbers were incorrect and that the original loan documentation proves it. They rechecked the numbers and agreed that I was at ~77 % loan to value. When I requested they remove the PMI charges, they said I would have to pay them to have an appraisal done in order to remove this. I offered to provide alternate valuations ( State tax appraisals ) that show my house has appreciated in value, but they said they can not accept anything other than an appraisal through their vendor. This is a clear case of extortion. I have met the requirements to remove PMI based on the original loan terms and have offered to provide current, alternate documentation to the value of my home, but they will not accept anything other than a vendor of theirs being paid for an appraisal. When I asked them when they would automatically remove the PMI charges, they said they would not remove them unless I paid them the fee to have the appraisal done. I feel like this in not only an extreme anti-consumer practice, but a clear case of extortion since my only options are pay them the appraisal fee or pay the PMI forever.
XXXX XXXX in the aftermath of Hurricane Irma offered us a repayment plan in XX/XX/2017. We only took advantage of this repayment plan because our understanding was that it would have no negative implications. Fast forward to today, we are now faced with not being to refinance our XXXX because XXXX XXXX in fact did report us as being late on payments on this " repayment plan ''. 

Be advised, if you are requesting a repayment plan due to a catostophic event, like Hurricane Irma, there is in fact negative reporting done by XXXX XXXX in what is called in the Industry a Verification of Mortgage.
This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.
XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. 

I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. 

Thank you, XXXX
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I have contacted Blakey-Witt with no succes. I called XXXX XXXX. No call back. I also contacted them through mail on XXXX XXXX. I submitted a complaint through the BBB and have had no response.
I received a gift card last year that has an expiration date of XX/XX/2015. My understand of federal law is that it can not expire for at least 5 years. The issuing bank is refusing to re-issue me a non-expired card.
Chase requested that I pay them for a delinquent credit card account. I asked for them to validate the account but they were not able to do so. Since they could not validate the account I requested they remove it from my credit file and not contact me any longer. They left it on my credit file and wrote the debt off sending me a XXXX to file with my tax return.
catagory needs to be ''CREDIT REPORTING FRAUD, LYING '' AND THIS IS NOT THE SAME COMPLAINT SO I AM REPOSTING IT, BY THE WAY ITS OVER 2 MONTHS SINCE RESPONDED TO SO WHERES MY XXXX, XXXX CRIMINALS PROTECTED BY THE CFPB AS USUAL, THERE HAS NEVER BEEN ANY VALIDATION OF PROOF OF ANY DEBT, A STATEMENT IS NOT A DEBT, A ''BILL '' IS A DEBT AND SHOW ME THE ORIGINAL INSTRUMENT, THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX [ XXXX XXXX XXXX XXXX ] XXXX IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF  ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
I did not authorize the following inquiries to my credit report. I have contact the Equifax, numerous times with no help. I explained I was a victim of fraud with my credit and tax returns. The inquiries as follows, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
My identity was stolen and is being used in another state. I was reported to collections for an unauthorized charge I did NOT agree to and I did NOT sign for. I'm in the process of buying a house and was informed of this fraudulent charge and it is greatly affecting my health and I'm going to have to take legal action. The police have been notified and an police incident case has been started. I have sent the paper work to them and it's still on my report.
I submitted a dispute on an item through the Equifax online option. I received information that the investigation was completed and for me to check the results online. I have attempted to review the results on numerous occasions. The Equifax system advise that they can not confirm my information. This is a standard practice with Equifax with not allowing me access to credit file and or investigation results.
I just found out today XXXX/XXXX/15, after reviewing my credit report that Bank of America canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was " We decided to cancel your account ''. This has effected my credit score.
I had a judgment placed on me for medical bills that I never received on XX/XX/XXXX, 2017 by Puget Sound Collection Inc. ( PSC ) in the amount of {$5800.00} and PSC court Fee 's of {$530.00} which totals out for them to be {$6400.00}. I noticed the large amounts of medical bills and immediately contacted PSC Inc. and found out that most the bills were due to a L & I claim that I had years ago that multi-care never bill them for but knew it was an L & I claim. PSC and Multi-care both denied that it was but I had medical proof that they knew but did not disclosed this to me or the court. I began to investigate this insane amount. my findings through doing a discovery with a legal aid service & L & I showed that Multi-care knew that most of my bills that I was being persuade for were in fact a claim from years ago. I contacted PSC and was told to take it to court it does n't matter to them if I can prove that they falsified documentation or not it 's up to the court to decide and since judgement was already ordered against me I was told " GOOD LUCK '' after weeks of hard work and labor and taking days off work to attend to this matter I finally submitted my paperwork to the court on XX/XX/XXXX, 2017. I spoke with PSC Lawyer XXXX XXXX XXXX after I saw the judge on my case who set a court date for XX/XX/XXXX, 2017. we had a conversation and he emailed me the next day. and I responded to his email back in reference to my case. we came to an agreement on the amount owed. and paperwork was finalized in court on XX/XX/XXXX, 2017. I went to PSC Inc. dropped off the paperwork that day from the court and came back on the XXXX of XXXX and made a payment of {$250.00} in cash to PSC and noticed that they are charging me fees for court and there lawyer, this is not what I agreed to with the Lawyer that represented PSC Inc? I have attached the following PDF files in the order of events as they occurred.
I applied to receive a loan from Big Picture Loans.com XX/XX/2017. The loan was approved for {$550.00} and the funds were deposited in my bank account on XX/XX/2017.The agent stated if the loan payment is made 3-4 days prior to the due date, no finance charges would apply. I contacted the company on XX/XX/2017 to repay the full loan amount of {$550.00}. At this time the agent stated it could not be done due to the over {$200.00} finance fees. I requestd to speak to a supervisor and was transferred to XXXX # XXXX who stated I needed to cancel the loan within 2 days or repay the loan by XX/XX/2017. The loan agreement does not state to pay by XX/XX/2017 in order to avoid finance fees. I only used this {$550.00} less than 30 days and impossible to cancel within a 2 day period when that option was not clarified. Plus the effective date of XX/XX/2017 was for funds could be received prior to this date has nothing to do with repayment by XXXX. Had I had been thoroughly made aware of BiqPictureloans, com interpretation of the loan agreement versus what I understood it to mean, I would not have accepted this loan of {$550.00}. I believe this company is deceitful and predatory. I want to repay the loan amount I received and nothing more on XX/XX/2017 and have the loan closed out. I want to report this company to your department that is attaching a 559 % annual to their loans. Please forbid this company from doing business in Georgia.
Ocwen Loan Servicing is using insider relationships with its crooked law firm XXXX XXXX who is training fairly new lawyer XXXX XXXX to assist the pretender lender loan servicer with embezzlement white collar crimes so the pretender lender loan servicer can temporarily increase its revenue.. I will be filing a lawsuit again XXXX XXXX law firm and its crooked lawyer XXXX XXXX for assisting with fraud claiming to have looked at all the documents having personal knowledge using its cozy relationship with XXXX threatening me with trustee sale coursing me into hundreds of thousands of dollars in fraudulent increased modifications releasing Ocwen from liability denying me to have any rights to discuss Ocwen white collar crimes with Congress and others, attempting to trap me into a cornier during the time I was under physicians care. I have already consulted with personal injury lawyers who are currently working with authorities and my physicians on my matter preparing to file action against XXXX XXXX. I will never lay down to Ocwen white collar crimes and its shady relationship with XXXX XXXX who is assisting with embezzlement which has caused me and my family serious permanent extreme harm which can not be reversed.
The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified number XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
XXXX XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since XX/XX/2014. This caused my credit scores to drop 100 points.
Hello : My Loancare account is as per attachment.. My mortgage was taken out in XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX ( as per attachment ). 
This mortgage was sold to Loancare in the year XXXX. 
This property at XXXX XXXX XXXX, XXXX XXXX was sold on XX/XX/XXXX. 
Loancare has charged me on this sale the following fees A ) XXXX Reconveyance fee B ) XXXX Recording fee C ) XXXX Late Charges D ) XXXX Fees Owed to Loancare E ) XXXX Account closing F ) XXXX Statements to Loancare These fees from A-F are incorrect. 

I have asked Loancare on XX/XX/XXXX, where I was supposed to be charged by XXXX XXXX for the fees, A ) XXXX Reconveyance fee, B ) XXXX Recording fee, D ) XXXX Fees Owed to Loancare, E ) XXXX Account closing, F ) XXXX Statements to Loancare. 

Loancare did not answer my detailed email, on how it was allowed to charge me this {$360.00}, in extra fees. This {$360.00} of money should be refunded to be. 

For C ) XXXX Late Charges, D ) XXXX Fees Owed to Loancare. There was no late payment made to Loancare, and there D ) XXXX Fees, was paid to them on XX/XX/XXXX, of XXXX. This sum of {$50.00} should be refunded to me. 

I appreciate your help beforehand. Any other information you wish to have, I will forward to you. 
Thank you
I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.
Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my TransUnion & XXXX  Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, Tranunion, and XXXX that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}. 

The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING TRANSUNION & XXXX
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX/XXXX/2017 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I was making a cash deposit at PNC ATM in XXXX, PA and the ATM broke down during the transaction and it did not credit my account and did not give me my money back.
I borrowed about  15k i n   XX/XX/XXXX   to attend  XXXX   XXXX   XXXX   XXXX . At the time the loan was borrowed, the leander was  XXXX . Before  Navient  took over i had abou t 9k le ft on my loan. I just dont see how my loan as of   XX/XX/XXXX   is closer to  10K no w. Seems like my loan just keep getting bigger.
My vehicle was taken in the end of 2013 due to job loss and non payment. I was never notified when the car was taken to auction and sold so I did not get the chance to reclaim it. 
Than the finance company then at a later date claimed a XXXX for the remaining balance in my name and now they are reporting it as a new open debt for the money that was already given to them based off of that XXXX that I was taxed on. They have also put that " debt '' on my credit from a recovery company so they are reporting the " debt '' twice showing more, different negative reporting on my account for the same debt. The company that sold me the vehicle also re structured my paperwork 3 times when I signed up for the car, causing my monthly payments to be more than I originally agreed to which is another reason I could n't make the payments. The payments were almost XXXX more than I agreed to.
I opened up a bank account under an offer for a {$350.00} opening bonus but have not received the bonus despite multiple phone calls with the bank. I met all the requirement : I opened it online ( " You can open online '' per their website copy ) within the relevant time period, met the minimum balance requirements, and completed 5 bill payments by XXXX/XXXX/16. I was supposed to receive the {$350.00} bonus by XXXX/XXXX/2016, but still have not as of today, despite multiple phone calls and promises to investigate.
This account supposed to be closed and has a XXXX balance. please fix this issue with Equifax crdedit report.
Im used to receiving emails when my payment is due. But this specific type of credit card didnt send emails. I bought a pair of socks for {$43.00} and even though I had the money to pay it off, I forgot about it and then ended up having to pay {$72.00}
I have disputed these accounts with Merchants Association Collection ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. I have never heard of this company. This erroneous, inaccurate, unverifiable account must be removed from my reports immediately.