WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people.
Dear sir or madam : I am writing you to complain and ask for your assistance regarding my current student loan servicer : Mohela. My federal student loans have been serviced by Mohela since approximately XX/XX/XXXX. I have renewed my application for IBR every year and on time. I have made every payment on time. I am a federal employee and I will be seeking Public Service Loan Forgiveness after 10 years XXXX/120 on-time payments. 

This year, I did not receive my taxes back from my accountant until XXXX/XXXX/XXXX. Mohela posted a link on my account 's webpage stating that I would have to renew my IBR plan before it expired and that to do so in a timely fashion, I would have to submit the documents by XXXX/XXXX/XXXX. Thinking that I would have to submit my taxes by upload to Mohela like previous years, I went to do so on XXXX/XXXX/XXXX. The link on my account was broken. I sent Mohela an email on XXXX/XXXX/XXXX, after waiting to see if the link was fixed. Mohela replied to me on XXXX/XXXX/XXXX, that I would be unable to submit my documents like I had done for the last 3 years and would need to do so through studentloans.gov. This website requires me to get a PIN and identity verification that can take from 1-3 days. ( I would also like to point out that the link still remains on my Mohela account profile stating to " click to renew my IBR plan since it is expiring '', but that the link redirects back to my " account home '' and does NOT provide any information about how to actually renew my IBR. I *only* found out how to do so by calling them today XXXX/XXXX/XXXX. ) While I am totally comfortable with submitting my current taxes through XXXX, I am complaining because AT NO TIME did Mohela inform me that I would have to submit my renewal in a different manner that would require me to wait an additional 1-3 days. Today is already XXXX/XXXX/XXXX. My concern is that because of Mohela 's failure to inform me about the new manner of renewing my plan, I will be very close to the XXXX/XXXX/XXXX deadline to renew my student loans. I keep track of all of my finances, including my student loans, like a hawk. This is cutting it too close for me and I fear that due to some unforeseen circumstance I will be unable to submit the documents by the deadline. 

I have had problems with Mohela before including their failure to notify customers of any changes or differences in their loan or their repayment renewal process. I had previously called Mohela in XXXX just to check on my loans and they told m that I would not have to submit the renewal paperwork until XX/XX/XXXX. I only knew that I had to submit the renewal documents on XXXX/XXXX/XXXX because I am very vigilant about my loans and taxes. I do not trust Mohela to be fair regarding their loans and I suspect that these repeated instances of misinformation are to get students to " miss out '' on Income-driven repayment plans and/or Public Service Loan Forgiveness.
According to   XXXX   and Equifax, I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of    2015  with no response or validation that I owe a debt, so I s ent two  certified letters to both   XXXX   and Equifax in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.
Equifax is listing an outdated credit inquiry on my credit report from XXXX XXXX.

The date of the inquiry is XX/XX/2016. 

It is over 2 years old. 

I have notified Equifax to remove it, but to no avail.
On XX/XX/2016 I XXXX XXXX requested from Wells fargo Bank XXXX manager copies of cancel checks that she needed from the bank in order to obtain proof where she paid the City of XXXX real estate Taxes because she was told in order for her to get back were she overpaid her taxes. after numerous times going to the bank in person and talking to the bank over the phone and being told that the bank would take care of it and email the bank cancel check to her son 's email address. And the bank never did send the information which hardening XXXX XXXX from get the money that the City of XXXX owes her in her back taxes which is a few thousand dollars to this day the bank has not help her in this situation.
I have had numerous issues with Citibank failing to apply my payments to my credit card. As I live in XXXX at present, they have only one mechanism for accepting my payments -- XXXX XXXX XXXX XXXX. Most recently, I sent a XXXX XXXX XXXX XXXX Payment on Friday, XX/XX/XXXX. These payments take 15 minutes or less to send from XXXX to Citibank. However, Citibank regularly fails to promptly apply these payments. This has resulted in late fees that I have had to fight on numerous occasions in the past, when my payment is sent and received, but never applied by CitiBank. 

I contacted Citibank again today regarding Friday 's payment, and they stated that have " no record '' of a pending payment. They have made notes in my account, but I am not confident that this will be the end of the problem. 

I am exhausted from dealing with this issue. I do not want to ruin my credit score, but I am not feeling safe sending them money when they so regularly try to claim I did not send it. Each time, after hours of fighting with them and mountains of evidence that I have to collect and send them, they finally admit that it was an error on their end. I should feel safe sending money to a credit card company ; what is happening right now is no less than attempted theft.
I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.
Ocwen did not pay the hazard insurance through the escrow. this is the 3rd year we have had issues with them making this payment even though we pay into escrow for it to be paid. Now they are threatening to buy more expensive insurance or make us pay out of pocket for something they should have paid already a month ago.
This company, XXXX XXXX XXXX, calls me about XXXX times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to XXXX.
I have been reviewing my credit report closely because I am looking into buying a house. 
But the statement of " Serious delinquency '' continues to come up on my report. 
I have not had any Serious delinquencies in over 10 years, Why is it still on my report?
On XXXX/XXXX/15, my husband told me that his ex wife contacted him to let him know that someone called her house looking for him to collect a debt. 
On XXXX/XXXX/15, I received the following voice mail on my cell phone : '' My name is investigator XXXX XXXX. I 'm with the XXXX XXXX XXXX XXXX Department working with XXXX County. I 'm attempting to notify XXXX XXXX of a certified court summons I 've been hired to deliver on XXXX XXXX XXXX to the home and/or place of employment. If I do appear at your place of employment, I will need a supervisor present as a witness. If for any reason you wo n't be available on that scheduled service date, or if you wish to resolve this voluntarily, you may contact the petitioner at XXXX and refer to case number XXXX. Also, your failure to notify the filing party will result in me coming out with the sheriff as well as being issued a body attachment. Thank you, XXXX. Good luck. " On XXXX/XXXX/15, I received this message : " ... left us no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Please reference file number XXXX when calling it and have a good day. '' The first part was cut off by the outgoing voice mail message. At this point, I called the number. I told the man on the phone that I had been receiving calls from the number I dialed. He said that it looked like they were trying to reach - and he said my husband 's name. I did n't tell him that they were attempting to reach my husband ; I told him that the person they were trying to reach could not be reached at my number. He asked if I was sure. I said I was. He asked if I could get a message to that person as there were legal actions pending. I told him no, that whatever the issue might be was not my problem. He told me not to be like that, so I told him again that they could not reach the person they were looking for at my number and to take my number out of their system. He hung up on me. 
On XXXX/XXXX/15, I received another call with the same message as the one on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another call from the same number that I answered and disconnected right away. 
I am concerned at the threats of arrest, legal, action, and " body attachments '', the giving of information to someone who is not confirmed as the spouse, the continued calls after it was establish that the person they were looking for could not be reached at the number they were calling, the claims of working with the County ( and not the county I live in, either ), etc.
I am currently in the middle of changes, and getting a good full time position, as well as making a move. I feel my student loans hanging over me, and I have a lot to figure out. I know there are many in circumstances possibly related. My issue is XXXX related and finances to repay monthly.
I was a XXXX customer for 8 long and frustrating years. I had little to no signal and experienced XXXX dropped calls & choppy calls. After years of " we will add new towers in your area soon '' I switched to XXXX. XXXX sold me a phone w/LTE technology. They PROMISED me the new technology would solve my connection problems. They switched to XXXX technology the same week that they sold me the phone. They sold me a useless phone. This same phone was stolen from my shop 2 weeks after I switched. I had it blocked. I also discovered that I had been paying on a phone that I paid for in full at date of purchase. 6 months of wrongful payment for the XXXX phone. I was told I owed on the phones. The cust serv rep at XXXX ASSURED ME they would waive IN FULL the phones ( again, one I had already paid for ) upon termination of service. At that point I owed {$280.00}. I offered them {$140.00} to resolve the issue. The other {$140.00} was ONE DAY ( less than 24 hrs ) of service into the next billing cycle. I offered a prorated payment of {$250.00} to cover the extra day. They refused. My offer to pay the {$140.00} still stands, but all credit references must disappear with said payment, as well as all calls from debt collection agencies and all of their annoying robocalls. They now say I owe {$830.00}. Please understand that " what i owe '' is many numbers. When I call I can get as many as XXXX different " you owe '' totals. Its all XXXX. I " technically '' owe them less than {$140.00}. Im no longer interested in paying the {$140.00} as they have cost me far more than that in aggrevation. I was a customer for 8 years with NOT ONE SINGLE LATE PAYMENT EVER for crying out loud, & aside from this issue I have PERFECT credit. They have sent this " fictional debt '' to many different collection agencies, all of which have harassed me relentlessly. The calls are all hours day and night, even at XXXX and XXXX XXXX. They have hindered my sleep and caused me financial loss. I would like to seek retribution. I have an attorney of my own that knows me well. I am also getting dozens of robocalls daily. One happened at XXXX as I typed this. Conclusion : XXXX has been sued by many agencies for many dishonest practices. This is just another example of their dishonest business tactics. 
XXXX if you SAY you will waive the phones, and SAY " your phones are waived. You no longer owe on the phones '', THEY SHOULD ACTUALLY DO IT!! 

The " imaginary debt '' has been sent to Maury Cobb & Associates LLC. 
Id also like to say since I switched to XXXX my life has vastly improved. My customers can actually hear my voice. Ive experienced less than XXXX dropped calls, I have coverage EVERYWHERE, and I get cell phone reception, not excuses. I should have switched 8 years ago.
About 10 years ago, my wife co-signed on a loan for my daughter. We borrowed {$27000.00}, Today, we owe {$47000.00}! We have made payments over the past 10 years, but there came a time when we could not make full payments. A couple of years back the agency we borrowed from sold our debt to a law firm that offered us an arrangement. We now pay {$50.00} a month. I am unemployed and currently have XXXX of my adult children and our granddaughter living with us. The added expenses make it very difficult to pay more. What I would like to know is why this law firm increases the balance of our loan principal by $ XXXX/month! I do n't own a home, have spent all our savings, and have no other assets to be able to offer a settlement. At this point, my wife and I ( I am XXXX ) will never be able to pay this loan off.
Way back in  XXXX  of  XXXX , I called   XXXX    XXXX   XXXX , a collection agency regarding a medical collection in the amount of {$220.00} that was appearing in my credit report. There are  XXXX  amounts of {$220.00} with  XXXX  different account numbers. My intention was to pay all of them. They accepted the first account with {$220.00} payment but decline to accept the second payment of {$220.00} for the other account. I was told it was a duplicate even though it has  XXXX  account numbers. I decided to wait and do nothing hoping that they will also delete that collection account since it was a duplicate.   On  XXXX   XXXX ,  XXXX , which is today, I called again the   XXXX    XXXX   XXXX  collection agency and inquired why that collection is still showing on my report. I was told by  XXXX   XXXX  from   XXXX     XXXX   XXXX  that the account actually belongs to someone else and that it was paid for already.   I ask  XXXX  to delete it in my report.  XXXX  told me to call Experian to dispute the account and then Experian will call them to verify if it was really paid.   Since it was not my account in the first place, they should have deleted it way back in  XXXX  of  XXXX . The duplicate account which I paid for with the same amount was deleted in my credit report. Why not do the same with the duplicate?   So, Im writing this dispute to have it deleted in my credit report.
We have recieved several letters in the mail about our home being sold at foclusure auction. We have now received a letter of unlawful detainer from the court and an eviction notice. We have been trying for serveral months to get a loan modification but to no avail. We have also tried to make numerous payments and each time were told that more money was needed than we had available. My wife suffered a serious accident at work and has been on teporary  XXXX  and the mortgage company was also told that. We are trying to clear this up and find a resolution so that we dont have to leave our home. Please help us we are stressing out about this and have tried to call the mortgage company which told us they would call us back by  XX/XX/XXXX  and we have not heard anything back from them yet. Thank You   XXXX   &   XXXX   XXXX
Today, XX/XX/18, I received a pre-approval notice for an XXXX XXXX credit card from Citi. I visited the website listed with the information, I read through the terms, and filled out the required information. As I read the information included in the envelope as well as the information on the application website, I noticed that Citi mentioned that a soft credit inquiry had already been performed. I would receive a hard credit inquiry with the application approval. I submitted the application, and saw a message informing me that my application wasnt approved, despite my application being PRE-APPROVED! No reason for the denial was provided. I also received a hard credit inquiry on my XXXX file, despite Citi claiming that I would not.
On XX/XX/2018 I submitted a billing dispute for the XX/XX/2018 charge of {$330.00} from the XXXX XXXX XXXX XXXX. My reservation was made for a total of {$160.00} and upon arrival, this rate was verified by the hotel at which time I provided my card for authorization. However, the hotel decided to change my rate after I had already checked out of the property. I provided Chase with a copy of my original reservation showing the verified charges at the time of check-in as well as a copy of the XXXX Terms and Conditions highlighting the documents required qualify for my rate. The required documentation was provided and verified by two employees at the time of check-in. No mention of a rate change was ever made during my stay, thus the merchant violated the terms of sale and changed the amount charged after I departed the property. 

Despite providing this documentation on XX/XX/18 and again on XX/XX/18 at the request of the Chase dispute team. I originally filed the chargeback only days after the charge posted well within the allowed timeframe for identifying billing errors. However, Chase decided to find the claim invalid on the basis that the chargeback timeframe had already passed. This denial reason was due solely to Chase 's violation of 1666.  Correction of billing errors, which requires an investigation and resolution within two billing cycles. However, Chase 's denial was provided after 5 billing cycles from the date the dispute was filed.
Upon looking into my credit reports, I noticed that there were Nelnet accounts under my name but with different social security numbers. I am now having to dispute all this information in order to improve my credit.
i faxed information to this coimpany as well this account is a result of identity theft and is still being reported and collected on ... acct # begining with XXXX
I took out a private student loan from XXXX Student Loans. I had the payments auto deducted from my bank account the last XXXX years with no problem. I changed banks in XXXX and switched my auto pay bank through XXXX. At this time XXXX 's student loan group was being bought by AES. The bank change never went through and because the loan was being transferred I lost the ability to view it online. XXXX acknowledged the issue and assured me the payment would be backdated based on it being their fault and any credit bureau reporting would be removed as a result. I spoke to AES and they also confirmed that the payment was backdated. When I went to get a mortgage it turned out that it was still showing negative. Now XXXX ca n't be reached an longer because they have closed up shop and AES has given XXXX different variations of what they are doing to fix the issue.
I submitted a partial payment of {$1400.00} to be applied to my mortgage payment. The money was placed in a " Suspense Account ''. I qualified for a loan modification and after the modification was complete, the money in my " Suspense Account '' was robbed from my account and reclassified as " Eligible Servicing Fees ''. As I understand from the holder of my loan, XXXX XXXX, no fees should have been charged nor should my " Suspense Account '' have been depleted for such fees. XXXX XXXX and Ditech have both received the same documentation. Please review my claim and contact me if you need additional information. 
Thank you for you attention to this matter. 
Regards, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
This company has continually tried to call my phone and say they were calling me about an important business matter.  One woman c alled today and I answered the phone and asked her what the call was pertaining to and she hung up in my face. Then I call back and ask the same question and the lady was ubseenly rude and told me that she needed my whole social security number. I told her I do not give that information out over the phone and that I had previously had my identity stolen as a kid. She sais, '' we will continue to call you until you give me your social security number. '' I said, '' then take me off the call list '' and I hung up on her. Also, when I called back I heard the automated system say progressive financial.
Yesterday ( XX/XX/2018 ), I received a 1 page,  mailing from Chase bank titled : " Action Needed : Make a deposit to keep your overdrawn account open ''. I am continuing to DISPUTE, Chase Banks ' mismanagement of my account. As of today, Chase have repeatedly refused to set my personally set PIN number back to my choosing. As of today, Chase Bank have refused to properly manage my checking account. I do NOT owe Chase Bank a dime. The overdrawn amount ( {$34.00} ) was caused by Chase Banks ' mismanagement of my account. As of today, Chase Bank have REFUSED to adhere to the rules, policies and procedures that govern their business.. As of today, Chase Bank have fraudulently add my daughters name to my account ( via this mailing dated, XX/XX/2018 ). My daughter, left Chase bank month 's ago ( which had absolutely NOTHING to do with my personal checking account or relationship with the bank ) .. And, Chase Bank closed her account month 's ago ( which had NOTHING, to do with my personal checking account ). However, Chase Bank and their representatives have continued to practiced unlawful DISCRIMINATION towards me and my personal checking account. Her name, have NEVER been included on any mailings associated with my personal checking account mailings. I will continue to FIGHT legally, for my rights. i DO NOT OWE CHASE BANK A DIME! IN FACT, CHASE BANK OWES ME FOR THE ONGOING UNLAWFULLY PRACTICED, DISCRIMINATION! ALL SUPPORTING DOCUMENTATION WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU. ALL INFORMATION SUBMITTED TO THE CFPB IS TO BE USED " ONLY '' BY CFPB ( NOT, CHASE BANK OR ANY CHASE BANK SUBSIDIARIES )! XX/XX/2018.
I paid my debt on XX/XX/XXXX yet hunter Warfield continues to call multiple times a day every day. I 've told the man on the phone multiple times to stop calling that the debt is paid and he will not.