WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a request in writing to Freedom mortgage on XX/XX/2017 to have the PMI taken off of the account. That day I spoke with a representative who said everything on my account met the requirements to have PMI removed. We have paid the mortgage balance to 78 % of the homes value, we have never had a late payment, and we have had the mortgage for almost 3 years. I called back a week later and was told to submit the request again, which I did through a written email. The company acknowledged on XX/XX/XXXX that they received my request and were working on it. I called in a few times and was told by 3 different representatives that my account met all of the requirements and they were not sure what the hold up was. I was also advised by all three representatives I would receive a call when the decision was made. I called again on XX/XX/XXXX and was advised that the PMI was declined because I had not had the mortgage long enough, we needed to have it for at least 5 years. I was also told that we needed to pay the mortgage to 75 % of the homes value. I cited the 78 % as stated in the Home Owners Protection Act and was advised that the 75 % requirement was Freedom Mortgage 's requirement. I called back later that day and asked for a supervisor who was really not able to explain why it was declined. I then asked for his supervisor and was told no one above him was in and that I would get a call back in 24 hours at most. That call never came. I called in again on XX/XX/XXXX and spoke with another supervisor. This supervisor told me he did not see a request was ever put in for PMI removal and I needed to start the process again. I asked for his supervisor and again was told there was no one above him there at the time. I was again promised a call back within 24 hours. It had been 5 working days since my first request for a supervisor call back and I still have not heard back.
XXXX XXXX XXXX has an expired debt collection license in Tennessee. They must be deleted from my credot files, Equifax, XXXX and XXXX.
I have tried to open a checking account with TD Bank on XX/XX/XXXX. 
Information provided to TD Bank by a third party identification verification information company reports a fraud alert is attached to my post office box address so I can not open a new account. 
This information is incorrect because another person not related to me used my XXXX XXXX XXXX a few years ago for himself and his family. Numerous bills have arrived and apparently are unpaid resulting in a fraud alert related to my address. In checking with one of the credit report agencies, I have found that my credit is good and they have no fraud information reported related to my credit history. 
The matter is complicated due to the fact that this person has the same last name as me. TD Bank would not provide information to me as to the " third party '' company or companies they subscribe to for this service. so that I can attempt to correct the erroneous information. Any assistance will be appreciated.
We submitted a refi application to Academy Mortgage in XXXX, Texas the beginning of XXXX 2016. To date, the company STILL CAN NOT give us a closing date and said the appraisal company is not being responsive. It has been almost 90 days ... .90 DAYS! As of this writing no one at the mortgage company will give us any information on when. They have had our information all this time, and each month we keep submitting updated statements, payroll stubs and the same paperwork as the original. It 's like they lose it and start all over again each month. All the assistant there is saying now is it is held up in appraisal department. Two appraisals have been done, one wrong and the second right but they have had the last one for nearly a month. The first one was done completely wrong and it took over nearly a month from the time it was ordered to get one done and back to the mortgage company. So they had to order another one. And the second one took two weeks to get to the mortgage company and as of this writing they are still asking the appraiser for more information. Something is wrong because now we can not now get any answers from the mortgage company as to what is really going on or a closing date ... .NOTHING! We were told by the mortgage company a month ago it was already conditionally approved and it was in underwriting. But again no closing date is being given and the story is changing. This is bad. Please Help!
I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
There are items in the Collections section of my credit report that are in violation of my rights under HIPPA and FCRA laws. Why is information about my medical history or anything about my medical providers being published. I have asked for this information to be removed several times. If not removed after this request I will proceed with legal process to sue as part of my legal rights
I graduated in XX/XX/XXXX. After my graduation, I was given the 6 months grace period, but I was apart of an XXXX program, so my loans were put into forbearance. Because of this I have used up all of my forbearance time. I was out of work from XX/XX/XXXX to XX/XX/XXXX. They were not willing to work with me then. I had no choice but to put my loans back in forbearance, month after month. My monthly obligation to XXXX/Navient is about {$1400.00}. I currently receive $ XXXX monthly after taxes from my job. XXXX/Navient has not been willing to work with me. They have been more concerned about getting the full amount and will not accept a portion that I can afford. I do not have a problem with paying XXXX/Navient. What I do have a problem with is them not willing to work with me and not being understanding of my situation.
For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.
I have tried calling the company to get this resolved but have been unsuccessful. I went to get a loan and this credit card that I have no knowledge of was on my report as a negative issue subsequently I was denied.
I submitted complaint XXXX and it was sent to compass bank on XXXX. They have exceeded their required acknowledgment time of 3 business days. I have not heard anything. 

Yesterday I was charged an additional overdraft fee because they attempted to " transfer '' {$25.00} from my checking account ( that I have been trying to close for over a month ) to my closed savings. The fees they are charging because I am attempting to close my accounts are predatory and illegal.
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. 

Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). 

Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. 

Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.
I have XXXX accounts on my credit report XXXX mixed file and XXXX fraud account XXXX bankruptcy mixed file XXXX XXXX XXXX marking fraud account
Bayview loan services. I submit my loan modification with them for last three months as of XXXX/XXXX/XXXX Its still pending even though its still pending they already set a date XXXX/XXXX/XXXX of my home sale ( foreclosure ). i talk to XXXX XXXX XXXX XXXX they prequalify me and willing to help to but they need 21 days to do this so they ask me to ask my lender to postpond my sale date for few days and i did call bayview loan services and ask for the postpond date and they are not doing it. they are doing my loan modification which is still not done yet and at the same time they have my home sale date set already which is compleately prohibited in california homeowner bill of rights. i even told about this law to one of their manager XXXX and she said their is no such law where all my other resources i checked with they said this law does exist. so my complaint is to have them postpond the sale date of my home which is XXXX/XXXX/XXXX. 
regards XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXXXXXXXXXX
I noticed in my credit reporting that no agree to stay mortage - closed then I need delete mortgage - closed because if my ex husband happen and unable pay for mortgage in XXXX but I ca n't afford. I was divorced in XXXX 2007 and I signed quit claim deed and gave him to own his house then I do n't want to keep house. I have payment for rent in apartment in XXXX that ca n't XXXX rent and mortgage in XXXX cause my low income for XXXX to hardship and not money. I called in TransUnion and waiting to remove but they said 60 days. My ex husband bought house in XXXX and his ex wife divorced. We moved to XXXX and bought house then he spend to loan often.
I was funneled into payment plans that did not include the ability to pay according to my income. Consequently, I defaulted because I could not pay the minimum due each month so eventually, when I was a specific amount overdue, I defaulted.
XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion , LLC XXXXXXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX CHILDSUPPORT XXXX # XXXX CHILDSUPPORT XXXX # XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I ran a credit report on XX/XX/2018. It showed delinquency to XXXX XXXX and XXXX XXXX XXXX credit cards. I called the XXXX XXXX and XXXX XXXX XXXX credit department on XX/XX/2018, both companies can not find that closed account and advised me to dispute it to Experian. I called Experian the same the day and filed the dispute. 
Today XX/XX/2018, I received an email that the results are ready then I called Experian to get the results since the online service is not working. Experian took-out the report from XXXX XXXX and kept the XXXX XXXX XXXX Credit Card, they said that XXXX XXXX XXXX responded that the report is accurate. I immediately called the XXXX XXXX XXXX and checked about the closed account account based on Experian Report but still they can't find it under my SSN. Now, I don't have any other resolution but to file this complaint to get a thorough investigation and remove that XXXX XXXX XXXX Credit Card record in my credit report if found that its not my card.
This company keeps calling for a XXXX XXXX XXXX dozens of calls - maybe one per day for several weeks ), and we have repeatedly told than that she is not at this number. Yet they keep calling.
The bank apparently offered FREE ADD insurance. Somehow my name is attached to a policy which I know nothing about, nor do I believe in ADD insurance. {$50000.00} insurance was added to this policy and money is being removed from my account. This account is a special one and has not been touched in two years. {$16.00} was removed XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ...XX/XX/XXXX and XX/XX/XXXX for a total of {$82.00}. I spoke to the bank manager and nothing he can do about it ... he gave me the number to ADD and they will only return a small portion of what was stolen from my account ... I could fight for the remainder amount. They said I have to cancel this insurance ... HOW do you cancel something you NEVER AUTHORIZED to begin with. I want ALL my money returned into my account and interest returned. This is a pretty good scam they have going and senior citizens, like myself, have no rights or say in this. When does practice like this stop? I was told this originated in the branch office ... I have not been in that area for over 2 years due to my health and hospital stays which can be documented. This account has had no activity on it in 2 years ... .I guess it was easy prey.
I was approved for a capital one credit card XX/XX/XXXX. As soon as I received the card, I paid a few medical bills off with it and not even 2 days later, Capital One decided to close the card. They were not willing to open the account back up and I 'm unsure as to why the card was even closed. I asked them what my balance was so I could pay the card off since I was not able to use it anymore and they told me I had no balance. I explained that I had used the card for a few of my medical bills and they continued to tell me there was no balance. I waited a few days then called the back to make a payment and they contined to tell me there was no balance that needed to be paid. I did this several times and eventually gave up because they continued to tell me there was no balance. Suddenly XX/XX/XXXX, I received the first statement ever and it was in red stating I was 120 days past due and the card needed to be paid immediately. Of course I called and made the payment in full and asked why I had never received a statement before and why there was no balance the multiple times I tried calling to pay. Also the balance was paid in full then and still on my credit report they are showing a {$2.00} balance as of XXXX/XXXX/XXXX. Why approve me for a credit card if your going to close it 2 days later? Then tell me there is no balance and I know there was and not take my payment. This is tramatically impacting my credit score due to the late payments reporting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XX/XX/XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this.

3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment. 

I have spoke to XXXX, Experian and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.
My ex-husband used our joint credit card without my permission or knowledge during the period of late XXXX XXXX through XXXX. I have repeatedly attempted to get Well 's Fargo Financial Cards to send me a copy of the itemized charges for my upcoming court case with my ex-husband. I have supplied them with my social security number, address, date of birth, security questions. However, my ex-husband reset the credit card with a PIN that I do not know. The credit card has been cancelled and is now in collections. I am attempting to get this resolved and have taken him to court over the credit card. I had a court date scheduled which was re-scheduled and I was instructed to obtain the itemized charges prior to my next court date of XXXX XXXX, XXXX. Well 's Fargo Financial Cards will not send this to me because I do not know the password PIN. Due to him resetting I can not possible provide this. Well 's Fargo is attempting to collect the debt from me because I am the primary cardholder.
We have been trying to get Bank of America for almost 4 years to adjust our mortgage. The purchased it from County Wide. Instead because we have never been behind they have now raised our mortgage rate and added taxes and want to place our Flood Insurance. We have paid our taxes and we have paid our taxes and homeowners. When asked for help they have made it worse by increasing our loan and equity payment. We will get to a point that we will have trouble. We discovered that in 11 years we have paid our own flood and have paid taxes and homeowners insurance. We are XXXX and this is our only home. They sent this information to us because we refused to sign a paper saying that we would not sue Bank of America or Countrywide. In our Country Wide loan and Bank of America paid our own taxes and Insurance. They never requested that before. We have paid our Flood and we have paid our taxes. Over all of these years only {$300.00} has been put on our Equity. We are XXXX and will get to a point that we will have trouble. This is our only home. We know that a Class Action suit was won against Bank of America and Countrywide. We were not aware of it at the time. Rather that help, they are trying to make it worse.
Caller asked for a person who has NEVER LIVED at this address and NEVER HAD this phone number. They are fishing for this person by last name connections!
On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX.
This account was sold to the following : Resident Collection XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please see a screen print of my credit file under the XXXX XXXX, The original company is listed as " XXXX XXXX XXXX  '' In 2015, I was discharged of a chapter XXXX bankruptcy and this debt was included in that bankruptcy. For almost 3 years now it still shows up on my credit report and continues to make my life XXXX. 

In addition, I've never done business directly with this debt collection agency before and they have not provided me with any documentation that states this is a valid debt through verifiable documentation ( an agreement that I've signed directly with them ).
We have our home loan with bank of America as we have a grace period on when it has to be paid before a late fee is added & we get phone calls from them all the time asking when payment will be made as we tell them we have till a certain day to get it paid so why are you calling us & they say to get payment - hello were still in our grace period.
Home Point Financial incorrectly reported my account as delinquent ( past 30 days ) to the credit agencies. I already was notified by the agencies that my rating has dropped considerably due to this and I can verify this by logging into such services that show that. 

HPF is not answering their phones as I have tried to call multiple times this week. They are not responding to emails when they say they will within 24 hours. That time limit has come and gone. And apparently, I was not alone in having my rating trashed. Apparently, they submitted delinquencies on many accounts that they service due to some ridiculous error that never should have happened. 

A credit rating is not easy to repair and they have done great damage to my previously stellar rating. What can be done about this? 

Here is an article giving more details not he matter : XXXX XXXX XXXXXXXX Thank you.
I filed a police report a few years ago when tax returns were submitted in my name by someone other than my mother. Mother requested I get a copy of my credit report as well and we discovered several unknown accounts had been established in my name.     That said, a  XXXX    XXXX    XXXX  account was placed on my credit was later removed. Now I am receiving harassing phone calls from a collection company in regards to the  XXXX    XXXX   account. The company  Law Offices of Patenaude & Felix, A.P.C . have also accessed my personal credit report and just recently sent me a collection notice requesting that I pay them {$1700.00} when a notice in the past said the account was for {$1000.00} bucks.
I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.
Transunion is not giving me any infromation on how the have validated this account I have disputed and asked for them to furnish me the information, due to me persoanl not being able to contact this company. So I need to know how are they contacting the company if I can not.