WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has wrongly charged my mortgage PMI after I had it removed as of in XXXX of XXXX  with my previous lender ( XXXX XXXX XXXX ). My mortgage was transferred to XXXX XXXX on XX/XX/2018 where they continued to charge my PMI. After calling XXXX XXXX they stated they will review the matter in XX/XX/2018. After repeated calls and attempts to follow up with the removal of PMI and refund of money, XXXX XXXX stated will only refund me 2 months of PMI until XX/XX/2018 and not XXXX or XXXX. In addition XXXX XXXX has overdraft my account by charging me for 2 months of mortgage on XX/XX/2018 for months of XXXX and XX/XX/2018. Then, XXXX XXXX charged me again for XX/XX/2018 Mortgage. In the 5 months I have been with XXXX XXXX they have charged me for 7 months mortgage. XXXX XXXX has serviced me a letter stating they have done no wrong doing and will establish a late charge fee that I have previously removed because my automated bill pay was not established correctly by XXXX XXXX within the 60 day allotment of time for loan transfer payments to be set up. In this letter XXXX XXXX states, " our records show on XX/XX/2018, an online ACH payment was scheduled in the amount of XXXX for your XX/XX/2018, installment with an additional amount of XXXX to be applied to your XX/XX/2018 installment. On XX/XX/2018 both payments in the amount of XXXX were drafted from your bank account. '' Then further down the letter they also stated, " your first recurring ACH payment in the amount of XXXX was drafted from your account on XX/XX/2018 and was applied to your monthly principal, interest and escrow payment for XX/XX/2018. '' In their own letter, XXXX XXXX contradicts themselves and still upholds no fault was done by them. After repeated attempts to resolve the matter XXXX XXXX has failed to follow up with me, resolve the matter and deny any wrong doing on their end, nor have refunded me the appropriate amount of money for their mistake of PMI removal, have not removed a late payment from my record and lastly took more than 30 days to complete my inquire about the issues with my account.
On or about XXXX XXXX, 2017. I contacted Midland Credit Management , Inc. ( MCM ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX XXXX letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.
My husband and I, Remortgaged our home back in 2005 with Well Fargo MortgageCompany. With the interest rate of 8.125 %. They have not reported nothing XXXX,, since we have had Them as our mortgage coThey, take our payment directly out of our Bank Account on the XXXX day of eachmonth. And has done this for the last 10 years. The beginning balance was XXXX back in 2005. I, have not received no Statements of how much we, stillowe, Its been about 7 years ago, since I, have seen a statement from them telling usthe amount we still owe. We have only received our yearly Mortgage Interest Statementat the year end for our yearly Income Tax Report. We get our Bank Statement each month showing our withdrawal from Wells Fargo where they where they have taken the money our of our account .The rate has been 8.125 % since we have had themortgage with Wells Fargo XXXX Even when ever body else was paying 2.5 %. 
Not getting no monthly statements, or not reporting XXXX that our credit score could be a lot better. 



Would Appreciate any help that we could get. 

Thank You.
I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud.
I have disputed the late payments XXXX XXXX XXXX XXXX account for months. Not only that, the account is reported duplicate on my Experian credit report..They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have a Best Buy Citibank credit card that had been charged monthly for a " debt protection service '' that I was unaware of. They had been charging my card monthly for years. The company refuses to provide proof that I willingly signed up for this predatory " service '' which has charged me thousands of dollars over the years. I have contacted them multiple times and no one can ever give me accurate information. They tell me a date that I signed up, and that's it. I did not even know this service existed, what purpose it served, or that I had been enrolled in it. The company can not provide proof that I signed up for the service willingly. This is a scam.
Southwest Credit System is reporting a debt that is in collections. I have reached out to this company numerous times, but the number listed is not in service. I am not aware of this debt or where it originated from.
XXXX XXXX XXXX XX/XX/2018, {$7200.00} Asked the company to verify the debt. Nothing received. 

They claimed they purchased the debt ( pennies on the dollar ), they want me to pay that amount so they can remove it from my credit report ( XXXX )
account number XXXX BMW financial services, is reporting XXXX delinquencies on my records for the mentioned account number, to the best of my knowledge that never happened and need to be removed since these are hurting my credit. i would need your help since i have been disputing many times and they never responded me back with evidence.
The end of the year XX/XX/XXXX was approaching so I called Navient ( student loan servicer ) to discuss repayment options. I was told in XX/XX/XXXX over the phone by a customer representative that my loan would increase from $ XXXX/month on a gross income of XXXX to $ XXXX/month on a gross income of {$100000.00}. However, after speaking with customer representative and filing paperwork a different result was reached on XX/XX/XXXX : I would now be paying $ XXXX/month based on a {$100000.00} gross income for their income based repayment program. How can the results be so drastic?!!!! I can not afford to pay this nor can I afford to go into forbearance as Navient suggested I do. Note this is not the first time I 've had problems with Navient and their varrying degrees of monthly payment changes. Also, I do n't believe it to be fair to base my payments on my gross income, an adjusted gross income would be more fair. Lastly, this system does n't take into account that I have to pay my health insurance which is approximately $ XXXX/month and will spike to approximately $ XXXX/month beginning in XX/XX/XXXX. Most people who have jobs as veterinarians have health insurance paid for as a perk, but not in all cases, hence my case. There has to be a better answer to this horrific trend NAVIENT has had with my loans and a more affordable way to pay this so I do n't have to go into forebearance.
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX  Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
I have gotten no response to calls I have left for my Home retention specialist at Wells Fargo home Mortgage. I have left multiple calls and yet no response. I have also received a letter from my Home Retention Specialist stating that we had a phone conversation. We have had no conversation at all. Please see the attached letter of complaint to Wells fargo for more detail. I have also had recent money returned {$1200.00} with a later stating not enough o make a payment then I made payment {$3300.00} and I received an email stating that it would be held for remainder of a payment? then a letter stating that I had an overage in escrow that was being held. I am trying my best after my initial complaint to Wells Fargo and the CFBPB to get my account in good standing based an error that was made on behalf of Wells Fargo Associate and his instructions to me that I followed. I am very concerned with Wells Fargo home Preservation Associates not returning my call when the voicemail says wishing 48 hours My initial voice mail was left on XX/XX/2017 still no call back. I have had my home for 17 years and need assistance. I am losing countless hours of sleep due to stress and non resolution.
This ordeal started back at least 8 years ago. J. P. Morgan Chase offered me a loan modification ( during the time I was going thru a XXXX XXXX and death of my brother ). After they offered the loan modification, and after I filed all the necessary paperwork for a possible loan modification with Chase Mortgage, they illegally foreclosed the property, running away the tenant in the property. After I made several complaints, etc., Chase decided to purchase the property back from foreclosure. They did a reassignment including my name on the paperwork at the Courthouse approximately 4 years ago. For the last few years, they have been updating paperwork for the last 4 to 5 years. Recently, I was told that they could not do a loan modification for me. They told me my only choice was a short sale, or a deed in lieu. After talking with Chase, I agreed to a short sale. I am realtor, and I was planning to complete the short sale myself, then they came up with the idea that I can not be compensated for this transaction. After this, I asked to be compensated for all of the years of loss of income, all of the repair money that I invested into the property, and for Chase illegally foreclosing on the property. They have gone back and forth, and not agreeable to compensating me for anything.
I was told that they could not lower my payments, however I was continually advised to request forebearance subsequently accruing unaffordable interest.
I have obtained my Transunion credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file.
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly. Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately. The Transunion Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.
I want XXXX to access my Capitol One 360 Savings account to facilitate transfers. It has in the past, but suddenly stopped working. on XX/XX/2018 per XXXX and Capitol One 's websites, Capitol One is blocking me from enabling external applications.
XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.
Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service.

The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt. 

At the request a former collection agency I reported the identity theft to XXXX XXXX police. 

I currently have a valid XXXX account that I have had for the past 18 years.
I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.
I went to XXXX a few years ago for a XXXX. XXXX told me before he can look after me they would need to contact my insurance company and after he get approval of payment his office would call me and schedule a date for me to come in, I payed my copayment, and lefted the office. Two weeks later I receive a phone call from XXXX office with a date and time to come in, I went into the office payed another copayment. They told me my insurance approve my procedure and I do n't have to worry.I taught everything was fine, never heard back anything from the office, nof phone calls or anything. Now two years later I received my credit my credit report and they are charges of collection agency called A-1 COLLECTION SERVICES in regards to three sets of payments, {$660.00}, {$550.00}, {$81.00} was reported on all three credit bureau which drop my credit scores to a terriable low number, I am in the middle of purchasing my fist home, and this will harm me a great deal. Please help me.
There were fraudulent charges on the XXXX account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( XXXX ). They continued reporting and responded XX/XX/XXXX with a resolution. XXXX concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by XXXX, XXXX XXXX, and finally Portfolio Recovery Associates. I received a letter from XXXX on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to Portfolio Recovery Associates on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. XXXX informed that I had to contact the new company Portfolio Recovery Associates to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, Transunion, XXXX ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Starting in XXXX 2016, I began receiving emails from XXXX XXXX XXXX, stating they were collecting on behalf of XXXX XXXX XXXX, a debt of roughly {$600.00}. Communication was addressed to XXXX XXXX, which is not my correct name. This is also not my debt, account, or anything to do with me personally. When I responded, stating that this was not me, and there was some kind of mistake, the email rate went up to a level of at least one per day, with different names attached to each email so there was no way to block them. I get no personal response, only continued emails that become more frightening over time. Without the response, I 'm not sure if this was just a mistake of an incorrect email address being used, or if this is an attempt at identity fraud.