WillisBack/dataset-financial-user-claim huggingface dataset:
When we refinanced our home, the paperwork indicated we could apply to remove the PMI from our mortgage on XX/XX/XXXX, prior to the automatic termination date of XX/XX/XXXX. In XX/XX/XXXX, I called to inquire and was sent application paperwork. After receiving the paperwork, I called to ask about the difference between a Broker Price Opinion ( BPO ) and an Appraisal, since the cost difference was substantial. I was led to believe a BPO was an external inspection of our home to ensure it had not fallen into disrepair. From my recollection, I was never told, nor were there any implications, that the realtor would be doing a detailed cost comparison to other properties. 

The inspection date was XX/XX/XXXX and I received the BPO along with a letter stating that I now needed an appraisal to remove the PMI. I reviewed the BPO and found several inconsistencies that substantially reduced the realtor 's price opinion of my home. 

I called USAA Federal Savings Bank/XXXX and asked to speak with someone in the escrow department, so I could discuss these inconsistencies and hopefully come to a reasonable solution. Customer service refused to allow me to speak with anyone, stating it was an internal department and they did n't accept phone calls. She asked if I wanted to dispute the BPO 's findings, which I did. She informed me someone would be in touch with me within 2-3 business days after they reviewed my PMI removal application. 

I never received a call, so I called again the following week and was told my information was under review with a XX/XX/XXXX deadline. 

Knowing I would n't receive a call on XX/XX/XXXX, I called again on XX/XX/XXXX only to be told by customer service that BPOs are not disputable, regardless of whether the data is accurate or not. 

I sent an email to the parent company 's web site ( USAA ) complaining about the process, in particular the errant BPO. While I received a nicer response from the parent company, the message was the essentially the same : " We do n't care if the BPO is inaccurate, because it works in our favor. If you want the PMI removed prior to the automatic termination date, you need to get an appraisal ( i.e., we get to charge you more money for the appraisal AND keep charging you PMI ). '' I have attached the following documents : a. BPO pages showing comparative sale data and comparative listing data b. XX/XX/XXXX Refinance appraisal page showing specifications of my home. 
c. Spreadsheet showing comparable sale data taken off USAA 's own web site, along with additional comparable sales found within our immediate neighborhood area. 
d. Spreadsheet showing comparable listings within our immediate neighborhood area. 
e. Letter to USAA parent company and response received. 
f. Outline of errors/inconsistencies contained in the BPO, along with an accurate cost comparison using one of the BPOs comparable listings.
I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
XXXX failed to honor their settlement agreement terms after sending me a settlement letter and my paying them based on their agreementMy account is still shown as STATUS : Charge OFF - Paid for less than full amount, lateThe attached letter from XXXX clearly states that if I pay the offered settlement, my account would be Settled with {$0.00} Balance. Nowhere in the settlement letter does it say " Charge Off, Paid Late or Paid for less than full amount '' It simply states if I make the payments which I did, my account with be Settled in FullThat is how my Credit files should be shown under STATUS. but they are not. 

I have intiated investigations by all XXXX bureaus only to be told they checked with XXXX and XXXX tells them " charge Off '' is the correct status. 

I was either fraudulently lied to by XXXX to pay a debt under the pretense of getting my credit files improved to fix my damaged credit after XXXX years of unemployment from the recession ; or Someone XXXX XXXX that interacts XXXX Credit Bureaus is lazy and does not read the settlement letters. 

Bait and switch, which is offering one thing and then giving the person something else is fraud. I was offered one thing, I paid, they reported something else. 

Please have them change my files with the three bureaus
XX/XX/18 : Loan company created new loan account and sent XXXX dollars of loan that I don't owe. ( I had preexisting loan with that company with balance XXXX dollars ). School or loan collection company did not notify me of sending this loan before hand, I happened to see it when I logged in to check my preexisting loan. Since then, I called collection company, school, and XXXX  ( I was working with the XXXX to pay off my preexisting student loan ) to get to the bottom. School admitted that they sent the loan wrongly to the collection company without realizing that I have been working to pay off my student loan past 2 years with the XXXX  since graduation of school. School said that they will contact the collection company and fix the issue. 
XX/XX/18 collection company negative disbursement the principal XXXX, account still had a balance of XXXX dollars of interest from the principal that I don't even owe. I called the school and collection company XX/XX/18 contacted both collection company and school to resolve issue of remaining interest it should be XXXX. 
XX/XX/18 account now has balance of XXXX dollars, I contacted the school and called the collection company. 
XX/XX/18 I contacted the school and I sent private message on the collections company website asking them to resolve issue. 
XX/XX/18 I contacted the school to ask for updates or if they hear from the company XX/XX/18 I emailed the school XX/XX/18 I emailed the school XX/XX/18 I emailed the school asking for updates. 
XX/XX/18 I sent private message on the collections company website asking them to resolve issue. 
Since mid XX/XX/XXXX I stopped calling the collection company because their call center people refuse to connect me with upper management or account specialists who handle my problem and keep repeating the phrase the issue has been forwarded to account specialists. 
School forwarded the correct documents for the incorrectly sent loan account to be XXXX out. The company needs to update my account, but has not done so for long time Today there is still XXXX dollar of balance left XX/XX/18
About 12 years ago we took out a loan with XXXX, they sold it to Springleaf. We went to XXXX to get a loan to pay them off as they were charging us over 23 % interest daily, and so we hopefully were going to have that loan paid off. We paid off the balance due, however, they sold the loan to OneMain who sent us another bill sating we owed further funds and that they charge 23.23 % interest daily. if that is the case then we would almost never be able to pay off this loan. I believe that this is wrong and that they should cease and desist their unfair practices.
Account number XXXX is the same as XXXX XXXX. This is a duplicate account and was paid in full to XXXX.
Wells Fargo Home Mortgage was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted Wells Fargo and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that Wells Fargo is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, Wells Fargo comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with Well Fargo Home Mortgage to lower his payments and not lose the home. I was not involved in that in any way. Wells Fargo told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation Wells Fargo sent to me regarding the loan modification in his name only.
I have been battling with statements/phone calls to the XXXX credit bureaus for the past four years. I was in a XXXX marriage four years ago and have since never been late on anything, I have been told several items were deletedI have been battling with the XXXX credit Bureaus for the last three years, I have been on several phone calls and provided statements. There is several discrepancies on my credit report. From items that were supposed to be deleted to several ( XXXX ) recent inquires that were not approved thru me. I also still see rental property ( XXXX on my credit reports that were supposed to be deleted due to being in a very abusive relationship and I was in fear for my safety. My ex husband had all my personal information and manipulated several of my finances, I managed to start fresh and gain new credit and have maintained it very well, the problem I am facing now is that last XXXX I was applying for a vehicle at XXXX XXXX XXXX and asked that they only attempt once thru them, because I new how hard several inquires would be on my credit.. I was not real worried about not qualifying for I new my daughter would sign for the vehicle. I am now looking at my inquires and since XXXX 2014 I should have XXXX hard inquires which is XXXX XXXX XXXX XXXX XXXX XXXX I have heard that my ex spouse stated he will continue to make sure my credit does not succeed. I am please asking for a review of my Credit reports I do not know where else to do. It would be greatly appreciated if you could please guide me in the right direction. I recently this month paid down on a few of my credit cards to change my credit card utilization score, this is my first time trying it this way, I am really hoping to see results after three long YEARS.
I opened up a citigold bank account using the promotional code I received in the mail XX/XX/XXXX, in order to receive a bonus of XXXX XXXX XXXX miles once I made at least {$1000.00} debit card purchases and made bill payments in 2 consecutive months. Once I met the requirements for the bonus I send a message to citi for confirmation. They responded that I did meet the requirements and that I should see the points no later than 3 months after the end of the month in which I finished the requirements ( which was XX/XX/XXXX ). So XX/XX/XXXX comes around and I call them to ask about the points, they do n't have a clear answer and open an " investiagtion '' into the points. I get a notice more than a week later that says they will not honor the promotion because I was not " targeted '' even though the code they sent me let me apply and their own customer service agents confirmed I would be receiving the bonus. Meanwhile two months of {$30.00} " service '' fees have been taken out of my account while I have been waiting for this to be resolved by Citi.
I have been informed that I am unable to transfer any membership rewards points from American Express to partners because my account is under review. They are unable to provide me with any reason for the review and since a nearly half of my membership rewards points have been in my account for close to a year there is no valid Terms & Conditions reason to prohibit these from transferring to partners. American Express is unable to provide any reason for why they are frozen simply than they are under review.
Approximately, a week ago, I received an American Express Blue card. I have been abused, harassed, and tortured by multiple security checks, at least 9 TIMES, PASSING ALL OF THEM WITH FLYING COLORS, and I ca n't get a real explanation why the repeated checks. I can not get a cash advance ; they will not allow me to create a security pin. I received a letter yesterday, XXXX/XXXX/2015, SAYING, ONCE AGAIN, TO CALL THEIR SECURITY DEPT., AND IF I DO NOT IN 30 DAYS, THE CARD WILL BE CANCELLED!!!! I have angered XXXX people with ties to the banking industry and I think this is at the root of all of this!!
I have submitted multiple letters to Transunion and XXXX about account XXXX Funding submitting a collection account for an amount that I had to contract with them to being with. Letters were sent via certified mail XXXX/XXXX/XXXX and also XXXX/XXXX/XXXX. I asked them to give me verification with my SIGNATURE and contract on file with them. The only they have sent back to me was a bill which was not with them to begin with. According to the FCRA when asking for validation for an account it should be sent with my SIGNATURE and it has not. While looking at my credit report XXXX is listed at 2 different addresses with one in the state of South Carolina, the other Nevada.
Over the past several years, my lender influenced me to continue applying for forbearance actions with my loans rather than provide me with helpful information regarding repayment plans based on my income. I continued to ask about payments ( specifically, payment options based on my low income ), and continuously ended up using forbearance strategies based on the advise of my lender.
There seems to be some serious data breach that has happened at Citi. I have XXXX Citi credit Card - Citi Master Card and Citi Visa Card ( Costco ). During less than one week - both of my cards has been compromised. Both of them are Chip cards and there is no additional member for these cards. XXXX has been used for transactions in Florida, XXXX and other places. Citi was able to identify the fraudulent activity and issuing me a replacement card. I am working in XXXX XXXX for close to 2 decades now and worked a lot for Credit card, trading and other financial companies. Citi is not ready to accept that there is some data breach happening at their end but there is something very wrong going on - how come XXXX cards both issued by citi are compromised in the same week? It 's inconvenience for me to setup automated bill pay for the new/replacement cards and i might have late fees and other charges also.
I have tried on a number of times in person and via phone to contact this company. Tonight at XXXXXXXX XXXX I receive a call from the XXXX from Rushmore saying that I am late in my payment. NO I am not late. The due date is XX/XX/2018 which has a grace period of 15 days. Thus I am not late. This is called harassment. The woman 's name was XXXX and her number was XXXX XXXX XXXX. She called me for no reason except to harass me. 

I am not late in my payment. I have also paid my taxes on the house which they told me they would incorporate but they lied. I met in person with a woman Rushmore. I sent her emails and I called her. She did not have the decency to call me back or acknowledge me. Rushmore is a corrupt company and they lie. 

I have asked for a reduction in my balance because it does not make sense that after 12 years of payments to various companies I still owe XXXX. Not only they have no right to call me when I am not even late in my payment but they should tell me that after paying my county taxes why my mortgage is still high more than 600 dollars every month. This company which is represented in the US is actually in the XXXX. Who knows who their so called investors are.
I have worked in the public sector on a full-time basis since XX/XX/2003. During that time and until XX/XX/XXXX, my student loans were in repayment under the graduated repayment plan. The monthly payments made under graduated repayment were more than the minimum balance due each month. These graduated payments also were well above the income-based repayment calculated by the FedLoan program when I applied for XXXX in XX/XX/XXXX, but graduated payments are not considered " qualifying payments, '' regardless of the amount paid. My income has increased steadily since my XX/XX/XXXX separation date, yet the income-based monthly payment calculated by the FedLoan program in XX/XX/XXXX is almost {$200.00} less than the monthly payments due under the graduated plan. The income-based repayment plan recommended by FedLoan does not cover the interest accrued, and therefore, I am once again paying more than required in order to prevent an increase in the principal balance on these loans. The graduated payments made during the course of the qualifying XXXX time period ( XX/XX/XXXX-XX/XX/XXXX ) would certainly be more than the income-based repayment plan amount for the same time period. What I paid under the graduated plan should apply to the XXXX program, retroactive to the XX/XX/XXXX XXXX initial payment qualification date. I obtained my payment records and they show the amount of repayment required had I chosen an income-based plan prior to the establishment of the XXXX program in XX/XX/XXXX. They are attached to this complaint. I have retained counsel regarding this issue, with the next step in the process being outreach to your agency. Any additional information which would help support this request can be provided. Thank you for your time ; I am surely not the only borrower who is seeking a fair explanation and resolution to this exact issue.
ADVANCE AMERICA WITHOUT WARNING WAITED OVER 1 YEAR TO SUBMIT CHECK FOR PAYDAY LOAN CAUSING MY ACCOUNT TO GO NEGATIVE. THEY CASHED A CHECK ON XX/XX/XXXX THAT I WROTE ON XX/XX/XXXX AGAIN WITHOUT WARNING.I AM CURRENTLY XXXX AND TOLD THEM AT STORE IN XXXX INDIANA AND GOT A DONT CARE ATTITUDE.I UNDERSTAND THIS NEEDED TO BE PAID BUT INSTEAD OF WORKING WITH ME THEY CREATED A MESS WITH MEDICATION ETC. BY OVERDRAFTING MY ACCOUNT WITHOUT WARNING.THESE PRACTICES ARE DONE BY XXXX MANAGER AT XXXX INDIANA STORE.
I lived in the XXXX XXXX XXXX and one night my boyfriend held a loaded XXXX to both my head and my toddler at the time and we had to flee the apartment. He was XXXX, but then later released but I had a temporary order for our safety to not go back to that apartment and I do have a police report from that evening if needed. I found somewhere else safe to live that he did not know about so my child and I would be safe. I explained all of this to the manager that worked there at the time and she understood and said she would not hold me responsible for the apartment lease ( which was in both of our names ) due to this extreme situation. Then a couple months later it was on my credit as a joint unpaid amount and I called the apartment complex a couple times and once I was promised a call back and never received one and another time the woman who picked up said she did not know about the situation and could not help me and now it is in new management and completely new staff.
On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.
I had a Hail Damage Claim on my roof. I sent the check to XXXX XXXX. Called two days later to have a final inspection done. The roof was repaired, but 1/2 screens and one broken window hadn't been completed yet. The claim amount for the screens and window totaled {$430.00}, .07 % of the claim check amount of {$6400.00}. My deductible of {$2200.00} covers these repairs. The bank/mortgage company on completion of the roof only sent 1/2 of the claim check instead of the full claim check, wanting to confirm all of the repairs had been done. I have been working in this industry since 1985, I have never had a company withhold 1/2 of the check if more than 90 % of the repairs have been completed. Now they want to send a 2nd inspector out ( it took 10 days to get someone the first time ) and wait again to mail me another check. I now have to pay the roofer the other 50 % of the funds out of my pocket and wait for reimbursement from the mortgage company. I know I am in a full repayment Chapter XXXX, but have less than a year left and have kept up all other payments. I feel that they are using my check as leverage and to also keep balances in their account, where they do not have to pay me interest, to use as compensating balances or required reserves they are supposed to have per federal regulations. It is a con job.
Citizens Bank, N.A.

XXXX XXXX XXXX XXXX XXXX, RI, XXXX XXXX Formerly XXXX XXXX, XXXX XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation and dispute. I never received anything from their attorney as well prior to the warrant in debt. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. I appear for the hearing tomorrow. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from XXXX to XXXX to appear.
I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Transunion has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''. They insist that the item was verified without never doing any verification and they refuse to answer my questions about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law.  Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments. I never had a tax lien with the state of Iowa.
I have worked for non-profits since XX/XX/XXXX and was told that all of my payments were eligible for Student Loan Forgiveness. When I applied for forgiveness in XX/XX/XXXX, I was told I have only made 8 eligible payments. I've asked XXXX XXXX XXXX to look into my account but have been waiting 8 MONTHS for them to update my account. Every time I call, they tell me it is being reviewed and in the expedited process but nothing has changed.