WillisBack/dataset-financial-user-claim huggingface dataset:
My loan with Bank of America has reached 78 % of LTV ( my equity is 22 % ). They are refusing to Automatically cancel my PMI. According to HUD documentation ( XXXX ), " The law provides XXXX situations in which borrower paid PMI may be cancel - it can be automatic or by request. Lender-paid PMI is excluded from these mandates, but requires an up front disclosure to the borrower about lender-paid PMI. 
The XXXX cancellation situations are : Automatic. In general, when the homeowner 's equity position reaches 22 percent of the original value of the property, the mortgage servicer must automatically cancel the PMI. The borrower must be current in making payments for automatic cancellation to apply. " According to CFPB documentation ( XXXX ) " Automatic PMI termination Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. You also need to be current on your payments on the anticipated cancellation date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. 

It 's worth noting a termination request is different than a cancellation request. Your lender must terminate PMI even if the principal balance of your loan has not actually reached 78 percent of the original value of your home - for example, because the value of your home declined. '' I have never been late on a payment, and have always paid extra principle. My loan is over 5 years old. 
The lender is basing their denial on the " scheduled '' date when I reach 78 %, which would not have been until XX/XX/2017, but since I always pay extra principle, that date has arrived sooner.
Purchased a computer through XXXX. This purchase was financed by applying for the XXXX store card. It was approved at {$2200.00}. Computer cost was only {$1600.00}. XXXX ( XXXX ) days later, MyFICO reported a 100 % account balance increase. Received the shipment from the XXXX seller approximatly XXXX days later. Have not received the necessary information to setup payment account ( online ) from issuing company ( XXXX XXXX ). Contacted XXXX XXXX ( issuer of credit terms ), and they could not help without having an account number. XXXX does not provide this information ( good security, but, negatively impacts credit terms ). When contacting XXXX XXXX, automated voice line stated that there was a balance of {$1500.00}, with {$600.00} of credit to use. This is not reflective of what was reported to Equifax ( per FICO 's complaint process to Equifax ). This is a violation of the FCRA. XXXX XXXX has not been fair or equitable in reporting. They state that I have an additional {$600.00} in credit terms, but have reported that I have maxed-out a new credit card to financial bureaus. I have contacted XXXX via phone and chat, and they ca n't provide an answer as to when I can start paying off what is perceived to be maxed-out terms. At this point, I 'm going in circles. It 's a joke, and, it 's a scam and flat-out fraud between XXXX companies with investors.
XX/XX/XXXX Midwest Recovery Systems sent me a letter with my confidential medical information. Ive never signed any legal document giving Midwest Recovery Systems permission to obtain my personal confidential medical information. This is a clear HIPPA violation and the debt doesnt belong to me. I responded in writing XX/XX/XXXX and have yet to hear back from Midwest Recovery Systems. But what they did do was flag my credit report for a debt thats doesnt belong to me. 

XXXX XXXX XXXX continues to sell this alleged debt. This is the fourth time they have sold my confidential medical records in attempt to collect an alleged debt. Im ready to pursue legal action due to this reckless behavior they continue to display. They have no ethics and need to stop selling patients CONFIDENTIAL information for profit!
I was sent a notice for a Personal loan for Big Picture Loans in XX/XX/XXXX. I took the loan. The lender disclosed the interest in a fashion which stated that 14 % interest was going to be charged. In actuality its 14 % per DAY. So total of 798 % interest. This was never stated.

They never disclosed the length of the loan, which is 18 months. This brings my total paid to them for a {$1200.00} loan to over {$7000.00}. dollars.

I have tried to ask them to take bigger payments to get the loan out from under me. They took the information, then never charged my account that amount. I also tried 4 times to ask for a payoff amount, with each time the words " payoff my loan '' were spoken, they suddenly could not hear me, and would hang up. ( Last time occurring XX/XX/XXXXat XXXX XXXX   CST ). This went on for the entire morning.

I asked one representative what their Business License number was for Minnesota. They refused to talk to me.

I am beyond frustrated with this company, and need assistance to pay this loan off at a reasonable, state allowed interest rate of 33 %.

Thank you for your help!!
I have bee making my payments I usually always pay over the regular contracted amount I always call my payment in over the phone and speak with XXXX of the XXXX girls that work there and by paying over the contracted amount they always tell me you are paid ahead and do n't have to make a payment next month so when I called this month because I could n't remember the due date I was told I was due more than my regular contracted payment and I asked how can that be when I always pay over the contracted amount and you guys always tell me I 'm paid ahead and do n't have to make a payment next month XXXX just told me I have n't paid enough and I did n't understand what she was saying so I called back to speak with the manager but she was out so a guy that was helping out in the office for the day explain to me even if you are paid ahead you still have to make a payment ever month or late charges will be charged also interest will be charge and I asked him why was n't this explained to me at the closing of the loan and why every month when I call in to make a payment they tell me I 'm not even due a full payment and paid ahead when all along they just did this so they could charge me extra the gentlemen then told me they should have disclosed that to you I asked to speak with XXXX again and I asked her if she would mail me a copy of my payment history and she said she could not I asked if there is anyone else I could talk to and she said she would ask her supervisor she called me back and said her supervisor said she could not mail me a copy of my payment history
XXXX from Weiman Acquisition left a voicemail claiming she worked XXXX and there is action being takin against my social. I returned the call and she said it was regarding my husband. I then proceeded to tell her that I was hus wife and asked who the other parry was that made the complaint. She said she was not able to give me that information, I work in finance and am very aware of the regulations, and yes she has to provide being I am the spouse. She claimed that he would miss a court date.
Hi, I applied for the American Express XXXX XXXX XXXX card on XXXX XXXX 2017 and got a same day approval. I was expecting to have some expenses and the promotional offer was good ( XXXX Membership Rewards points after $ XXXX spent in 3 months ). 
After I received the physical card few days later, I called AMEX customer service to confirm my sign up bonus and I was told that it does not show up in my account that it was offered for my account. Investigation was opened after a few calls. I made subsequent calls and initiate online chats every week or two to follow up with the issue and finally I was told that the investigation was closed and they could not offer the bonus term to me. The reasons given was different by various customer service representatives and after escalating the issue they forwarded my call towards what sound like customer service manager and I was told that because the sign up is through a third party website ( some blogs hyperlink to american express sign up page and forms ). Even though that there are evidences that signup bonus was offered through third party during that time from various websites, they can not help on providing the bonus offer. I did not have any screen capture for my applications but few friends of mine already got their bonus points after satisfying the sign-up bonus terms while I 'm left with no choice to even make things correct. 

The offer was no longer active since late XXXX. 
Card # XXXX Name : XXXX XXXX XXXX
On XX/XX/XXXX I bought {$100.00} of bitcoin via coinbase. On XX/XX/XXXX I authorized coinbase to transfer {$87.00} from my Coinbase account to my XXXX account. The money was transferred but it also debited me another {$87.00} as if I requested another {$87.00} out of my bank account. There is no {$87.00} pending in my Coinbase wallet. I have no idea where that money went.
This company continues to report and attempt to collect on a debt that I paid in full over a year ago. The original creditor was XXXX and they are no longer attempting to collect, because I paid the debt in full.
I had a credit card debt with Chase bank. I closed the account in XXXX XXXX after the interests rates were elevated to & gt ; 18 %. The debt was sold in XXXX to XXXX ( wrong amount stated ) In XXXX XXXX the law firm XXXX in XXXX Forida filed a suit ( past the 4 year statute of limitations ) for a default judgement stating XXXX of XXXX was the attorney to answer to .. very confusing. a week later I received a settlement offer from XXXX. ( I was in no position to make the payments asked ). In XXXX of XXXX now five years later- I had my wages garnished and on the garnishment it said-XXXX, as assignee of XXXX as assignee of Chase! Ultimately I had over XXXX dollars garnished for an old debt from Chase by XXXX.. that had been through 3 third party debt collectors --
I was a victim of identity theft and noticed a collection from Hunter Warfield I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I am quite sure that Synchrony Bank, which issues both the XXXX MasterCard and XXXX Visa, has been charging many or most of my XXXX purchases to both cards - in fact charging me double. They have probably been doing this to thousands of other people as well. I have used the XXXX Visa almost exclusively since XXXX, yet my XXXX MasterCard bill for XXXX is double what it was before. I first discovered this when I noticed I was not getting the promised 3 % cashback on XXXX Visa purchases. This was because all of them were listed by Synchrony Bank as " XXXX, '' although I do n't even have this card as a XXXX payment method : XXXX MasterCard is the only credit card I have listed on XXXXl as a payment method. ( It would not even be possible for me to make a XXXX payment from XXXX Visa, yet all my XXXX Visa payments are listed as " XXXX ''! ) Now I find that they have been charged to XXXX MasterCard, through XXXX and also to the XXXX credit card that I used directly. My XXXX MasterCard bill currently is over {$480.00} although I have scarcely been using this card since XXXX, and double billing is the only possible explanation. I am saving the complete lists from both cards, and find they are almost but not quite the same - often a few cents difference, to the same recipient on the same day. This may be a way of disguising it. But I have no doubt that this is what they are doing.
original loan never assumed by owner, but forged signatures.yet still was paying amts 'owed ' until daughter discovered evidence of fraud. Did n't owe any new mortgages-debt paid, but was paying bank anyway. Now 'loan ' assigned to 3-4 people since XXXX , and modification [ and consolidation? ] resulted in monthly PMT increase? second application denied not before but AFTER foreclosure filed. Had been sending, repeatedly, to complete application to XXXX, the same docs, and no decision made known to me until lis pendens filed in courts.Also, Improper service. XXXX after reporting fraud to them, sent document for info to sign and formally make claim of fraud official, but they do n't own loan anymore. Bought, securitized and pooled by different entity. Looked up loan and owners not listed as original lenders. cant find lender/owner of loan and only loan servicers, saying they worked for bank, served as only contact. 
Nearing foreclosure judgment due to no atty representation, as senior citizen not receiving mailings of papers filed until discovered court filings. Was duped by banks issuing loans in my name. Similarly, land recording records indicate ownership and sale of property never sold or transferred causing 2yrs uncorrected deeds, sale transfer, and passing on of mortgages also not taken out by me.. XXXX same bank involved, with MERS with possible fraud conspiring with and/or by and among atty, notary, 'buyers ' brokers, etc ... incl. original ownership mortgage pmt to ATTY.XXXX XXXX, IN XXXX. Though had ID theft reported to credit bureaus-froze report since XXXX, but how are there new loans? impossible without checking report and my identity-confirmed identity of applicant borrower. And high interest rates though I, true homeowner had excellent credit until the fraudulent acts committed in my name, via fake signatures, falsified dates, recordings. Went to DA, AG, and reported fraud, but still proceeding with foreclosure action in ny. 
Have been a victim of housing crisis, lack of accountability, robo-signing, and clearly criminal misdeeds by others, more criminally savvy with no honorable intentions at all. XXXX, woman, now elderly and am paying for 'rimes ' never committed, and unknown to me. Used to believing in the fairness and honesty of banks and finanial institutions, and giving benefit of doubt, and feeling embarrassed to acknowledge vitimization, submitted mortgage payments anyway. It is impossible to ontinue in my senior years, paying for something illegal and unthical. Want to enjoy retirement, my life in my later years. Someone has to right these wrongs, please. And ease harrassing and further embarrassing me, sarring my name and reputation as a 'non-payer '. I always paid my debts without fail. Chek my records, past reditors. I even closed credit card acts with limits that were XXXX and above, in fear of continued fraud and id theft. Didnt know where to turn. Now, there is no other choice. XXXX still lives, I still believe. [ there are many more pertinent docs to support complaint, and i reserve right to admit them in the future in regards to this form 's contents
I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full inXX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
there is a XXXX charge used against my permission by a family memebr who stole my card he bought a car I NEVER DID and I NEVER authorized them to use my card and now citi bank recharged this too me in violation of the card agreement and the fcba i never gave my cousin persmiions to use my card he stole it i never talked or signed or authorzied them to charge my card
Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report.
They took the money and misrepresented how the money would be used to pay off the debt.
They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.
They continually call my number harassing me and Im not the one that theyre even calling about. then, they refuse to tell me any information including their buisness name besides the abbreviation for it. I found out from XXXX that it is XXXX XXXX XXXX.
My credit card company has tried to fight on my behalf to the extent they could, but it appears that XXXX is taking the side of the merchant 's without actually paying attention to the details of the Merchants nonsensical claims or any facts in supported documentation. On XX/XX/XXXX I purchased 2 tickets with Capital One Credit card from XXXX  XXXX to fly from XXXX to XXXX. On XX/XX/XXXX ( the date of flight ) I arrived to the airport at XXXX for the flight that was leaving at XXXX. On the way there, exactly 10 minutes before I arrived to the airport XXXX notified me that the check-in counters are closing, while according to their own policy they were supposed to close " 45 minute '' before the flight ( at XXXX ). They notified me by email on the way to the airport of changing time when it is not possible to change anything. I followed their own policy which they changed 10 minutes before I arrived, making me " late '' .They refused to refund me the money and offered me to pay for new tickets for next day flight. All of that when I came 1hr15min before the flight for which they themselves required me to be no later than 45 minutes before the flight. 
I disputed the charge with CapitalOne but after months of investigation and back and forth with XXXX. Merchant, and CapitalOne they cancelled my dispute because even though XXXX XXXX policy says that check-in closes 45 minutes before departure, the company has a 1 ) no refund policy and, 2 ) there is a note in the policy that the policy can change at anytime for any reason " unless stated otherwise by XXXX XXXX ''. All of this means that company policy is there but it might as well not be. 
In my opinion, no reasonable investigation was done by EITHER XXXX or XXXX and my rights as a consumer were not protected, because I paid for a service which I did not receive ( being impossible to satisfy a whimsically changing policy of a merchant ) and Capital one, based on XXXX XXXX unfounded conclusions is demanding payment for the services I did not receive and even their customer service representatives agree with me, but can do nothing for me due to their company 's unfair process of investigating the dispute, which is heavily influenced by XXXX, XXXX.
I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? 

Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. 

The situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. 

However, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.