WillisBack/dataset-financial-user-claim huggingface dataset:
A loan was taken out with Bank of America in XXXX for a conventional loan. The loan was financed with 5 % down which incurred a monthly private mortgage insurance ( PMI ) fee. This loan was subsequently sold to XXXX XXXX making XXXX XXXX the loan holder. In XXXX, as the property value had increased, and the loan was paid down, an appraisal was made by a lender approved appraisal company, XXXX XXXX, indicating that the current loan to value ratio was at 79 %. Since XXXX XXXX indicates that they would remove PMI when the LTV is less than 80 % the PMI at that point should have been removed. Bank of America which no longer owns the loans should not be allowed to charge a PMI when XXXX XXXX does not charge it. The Homeowner Protection Act indicates that the law was intended to protect against Excessive PMI coverage that provides little extra protection for a lender and does not benefit the borrower. By setting an arbitrary requirement below what the loan holder, XXXX XXXX, is requesting, Bank of America is violating the spirit of the law. Anything in excess of this requirement would be considered Unearned Premium. Bank of America is insuring a product that they do not own, and this is costing the borrower thousands of dollars with no benefit. 

Bank of America also states that a request to remove the PMI can be made when LTV is under 80 %. This becomes a moot statement if the request can be denied even when the assessed LTV is under 80 %. Bank of America should not be allowed to set limits below LTV limits below what is required by law.
Experian mislead me to believe that for {$1.00} I would receive a copy of my credit report. They failed to reasonably advise me that a 7 day trial membership would begin and that I would be charged {$21.00} at the end of the trial. Imagine my surprise when they debited my checking account. 
I am prudent when shopping and take time to fully understand what I 'm getting when I make a purchase. Experian was misleading and refuses to credit my account for {$21.00}. They are dishonest and should be required to adequately communicate all agreements prior to purchase.
Our home was purchased in XX/XX/XXXX. It is a New construction home purchased from XXXX, XXXX was our original Mortgage Lender. We put down More than 20 % on a Conventional 30 year loan. We waived Escrow for our Property Taxes, but Escrowed our Homeowners insurance. 
The loan was sold to XXXX before the first payment was due. XXXX only had our loan until XX/XX/XXXX, and it was sold to Freedom Mortgage. Our first payment to Freedom Mortgage was made XX/XX/XXXX. We Paid every month on time, and also paid XXXX Extra mortgage Payments over the last 2 Years. Our property Taxes were all paid including the Interm Tax for new Build, ON TIME IN FULL. In XX/XX/XXXX we received a letter from Freedom Mortgage that our Escrow account was Short and that they have paid our County/Local Tax in XX/XX/XXXX ( I paid them in XX/XX/XXXX ) and that they paid our School tax in XX/XX/XXXX ( and they werent due until XX/XX/XXXX which is when we pay in XX/XX/XXXX ). They were increasing our payment from XXXX to XXXX to make up for these shortages. I Immediately called the Local Tax Collector to confirm we were still listed as the address to bill taxes, and we were, and she had NO record that the County/Local tax was never paid by Freedom Mortgage they only Had record of my payment made XX/XX/XXXX. They did have record that Freedom had paid the School tax in the amount of {$3200.00} in XX/XX/XXXX. I then called Freedom Mortgage, they advised me to send payment to them for the School tax reimbursement Which I did on XX/XX/XXXX. Which still resolved nothing, since that time they have been allocating our payments incorrectly. We continued to pay our NORMAL monthly payment of XXXX as they had NO basis to force escrow. our taxes were paid on time, in full ... .and we are at a 65 % LTV . They are now claiming we did not make payment for the month of XX/XX/XXXX which I sent bank statements showing we did, and they were placing our funds in Un-allocated funds, which has messed up our Amortization and possibly our Credit Score. I have spent countless hours on the phone w/ Freedom Mortgage Customer Care and they are less than helpful. Freedom has admitted they were wrong about the taxes, Has adjusted our Monthly payment back to XXXX but Funds are still not correct from XX/XX/XXXX.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR CARTER YOUNG, INC FORMERLY COLLECTRON OF XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS CARTER YOUNG INC, FORMERLY COLLECTRON OF XXXX to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and I am feeling embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR CARTER YOUNG, INC FORMERLY COLLECTRON OF XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Multiple loans provided to me by XXXX, funded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amounts of {$450.00}, {$650.00}, {$750.00} and {$800.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX is not licensed to make loans in the state of Georgia.
I disputed my Equifax report on XX/XX/XXXX and the results of the investigation I received on XX/XX/XXXX. XXXX XXXX XXXX  XXXX account # XXXX is a old account opened in XXXX this needs to be removed from my credit report entirely that is more than 17 years old. I  want it removed asap. 

The XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Tx XXXX. I paid this note off in full on the XX/XX/XXXX. I told Equifax this and it is still showing on my credit report that I owe  {$13000.00}. I want this updated immediately. 

XXXX XXXX XXXX account was opened in XXXX more than 10 years ago this account is paid in full years ago. I want it removed from my credit report immediately. Instead Equifax put a temporary freeze on file. 

XXXX XXXX XXXX XXXX account number XXXX account opened in XXXX account is more than 10 years old. I want it removed from my credit report immediately. 

XXXX XXXX XXXX account number XXXX account was paid in full and is more than 8 years old. I asked Equafax to remove this account but instead they put a temporary update freeze on file. 



I have proof of payoffs and all account information along with Equafax credit report dated XX/XX/XXXX.
A debt collector reached out to my brother in law, who I 've NEVER listed on a loan application as a relative, etc. requesting my contact information ( which they already have ). They explained that they were trying to contact me, or my father, and indicated that they are attempting to collect student loan debt. My brother in law has NO business knowing my personal financial matters, and the debt collector has no business reaching out and harassing him, on behalf of my personal finances.
Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.
My XXXX check is being garnished at over {$120.00} a month. GC Services contacted me numerous times, illegally, after I informed them to do not call me. In XX/XX/2018, I contacted GC Services to see what I could do to stop the garnishment. I was informed that if I made voluntary payments ( 9 ) then it would bring my loans out of default status. I agreed and set up an auto  payment for {$5.00} monthly from XXXX until XXXX. Then after the payment in XXXX was completed someone would contact me to set up a new servicer for my loans and my loans would be out of default. Now, here it is XXXX, and I contacted them because I had not heard from anyone, as of XX/XX/2018. At that time I was informed that for some " unknown " reason the last payment they had received was XX/XX/XXXX. She told me that in order to " fix '' this situation I would need to make 2 payments to catch up. Then a payment at the end of XXXX. At this point my contractual obligation would be fulfilled. I agreed to those terms and set up the auto payments once again. One was taken on the XXXX of XXXX one was taken out on the XXXX of XXXX. Then, ONE should have been taken out 2 -3 weeks later. However, when I checked with the bank a total of 5 payments of {$5.00} was taken from my account. Not only should this have completely satisfied my agreement with GC Services, but they would have also owed me monies back. Upon seeing this I contacted GC Services, and spoke with a manager. I was informed that I still had 2 payments to be made. They said that my XXXX payment was in deferment. That the first 2 payments were applied to XXXX and XXXX payments. Now, there was still the situation with the OTHER 3 payments that was taken out of my account. That should have covered XXXX payment, and they should have to refund me the additional 2 payments that I did not agree to, and my contract was fulfilled at this time. 

However, I was told that, I am still in default, i still owe until XXXX of 2018. They can not give me a reason why my auto payments were stopped, nor can they apply the payments to my signed agreement. That the money was apparently applied to principal. 

I live on a small XXXX check monthly, and that additional money that now is just gone, means the difference of me eating for the month or not. I am being reprimanded for this companies mistake, and They did not uphold their end of the contract. Now I am the one to not only uphold my end of the contract, but also being tripled charged when I did not agree to that. 

This is blatant fraud.
On yesterday, XXXX/XXXX/16, I spoke with a representative at Ally Auto in regards to getting a three month extension on both of my auto loan accounts due to me recently getting laid-off on XXXX/XXXX/16. She stated that I would have to pay 60 % of my monthly payment in order to get the extension. I explained to her that I recently laid-off and that I just applied for unemployment and that will not kick in until the next few weeks, which is not even half of the income that I was getting before. She stated that there was nothing else she could do. Three months would give me enough time enough time to find another job and catch up. These accounts are SCRA accounts and do n't understand how the representative could n't do anything else.
In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX XXXX/XXXX. Each yr when visiting the office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to the a collection agency in XX/XX/XXXXI contacted XXXX, explained the situation, and completed a complaint form. I advised that XXXX XXXX ' office never advised me that they did not participate in XXXX XXXX as indicated on my ID card. The office has turned my account over to 2 different collections agencies for 2 different amounts. American collections XXXX XXXX XXXX, XXXX, VA ( XXXX ) .for {$83.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN ( XXXX ) for {$99.00}.
American Express has been turning against good customers! Closing their accounts! 

Doing that to customers with perfect payment records! 

Demanding to see confidential documents! 

Demanding that customers with firmly established credit card accounts co-operate with intrusive mortgage-application style onerous processes! 

Threatening to close all their Amex accounts if the customers don't agree to above stated outrageous demands!
Paid the full balance on XX/XX/XXXX before the billing cycle/statement closing date. It then had XXXX balance with no additional charges. The statement closing/billing cycle closed 10 days later and they billed me an additional {$55.00} for interest that apparently accrued during that billing cycle. I closed out 3 other credit cards the same way ( as a result of a consolidation loan ) and none of the other credit card companies charged further interest on a XXXX  balance except for Citibank. When I paid the balance in full before the statement closing date there should not have been additional interest charged
Equifax Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc
We were contacted by Chase that they suspected credit card fraud on our card for {$5.00}. We verified the other purchases by could n't verify that one that they stated originated from XXXX. Our credit card was immediately stopped and they mailed a new credit card to us.
On XX/XX/XXXX I have contacted XXXX XXXX XXXX located in MN, because after I didn't receive my taxes I contacted the it's, which gave me the number to the bureau of fiscal services, who finally gave me the amount that was suppose to be garnished, and then they gave me the number to National recoveries. they had told me they had sent something to my job in XX/XX/XXXX about starting garnishment on my wages. I no longer work for that job. My main complaint is that I didn't receive any letter informing me of a wage garnishment, and I didn't receive any information about disputing the garnishment. I didn't even know I could dispute this, untill I looked it up on the bureau of fiscal services website.
I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. 

I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. 

On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not licensed to collect in the state of Tennessee. 


Please assist me in this matter
To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US
The previous I was a complaint credit card/debit isn't resolved my disputed. The banks only proved what they are credit back from XX/XX/2013 to XX/XX/2013 not credit back from XX/XX/2013 to XX/XX/2013 & before XX/XX/2013. I can not access to my business account to provide my business missing credit back.
This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false
I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. I had the HSA account with them. HSA account was maintained by : HSA BankXXXXXXXX, WI XXXXXXXXCustomer ServiceEnglish : ( XXXX ) XXXXXXXXIt was never told to me by XXXX or XXXX ( website via which we hold the hsa account and do various transactions ) and by this HSA bank itself that they are such a high maintenance bank. When i left XXXX - i contacted them ... they told me if i keep the account with them-they will be charging me {$6.00} per month ... I had a healthy balance of more than {$3000.00} always with them so obviously they were making money ... and they pay worst of the interest rates ... if somebody goes to investing ... .they will charge heavily for that ... .finally when transferred the money out of from them into my new HSA account - they charged me {$25.00} for that ... i asked why you are charging me {$25.00} ... they said that they have a lot of maintenance things to do ... .etc ... when i asked who is governing body ... they said OCC ... so i do n't whether it is OCC or CFPB.
RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?
" Teen Account '' with my daughter, I was co-signer, to help her learn banking. Suddenly check after check bounced. Discovered Wells Fargo changed her account to an " adult '' account not realizing she had direct deposit to teen acct. for paychecks from a XXXX company. Deposits continued to original teen account, while all spending went through " new account '' causing approx {$400.00} in OD charges, which WF would only write off XXXX. Financially difficult for me to pay OD charges off, did and closed account. I was LIVID. Occured XX/XX/XXXX, XX/XX/XXXX. Just called WF CS and giving my ( adult/Mom ) SS # they do n't even show my minor daughter being ever on a shared account with my SS #! With todays news I called WF CS # and was told by rep that she is in a call center and ca n't help me, I need to visit a WF banker personally. My daughter now lives in XXXX and I 'm in XXXX. All I want is XXXX % of the OD charges I had to pay refunded. WF moved her into another account on their whimsy and caused me to spend hundreds of dollars in OD funds. As of XXXX/XXXX/XXXX b/c I do n't have account paperwork there is nothing WF can do today. I have moved across country several times and do NOT have paperwork, b/c banking is now done online, do not accept their " excuse '' that I do n't have paperwork.
My wife received a call from an unknown woman saying they were trying to serve papers. My wife called # they gave her. A man named XXXX answered & stated he was with Legal Offices of Stien & Meyer. Told my wife that I owe money on an old account & am being sued. Told her account #, amount they are suing for and tried to get a settlement from her. Original amount was {$430.00} and trying to collect over {$1800.00}. This account was disputed through credit bureaus over a year ago and removed from my credit because creditor never replied with valid information. Man told my wife that he was looking at my credit report and it was placed back on there. I have not yet checked my own credit to verify but this is absurd! Not only are they threatening to sue, they are giving my wife information that by law they can not and trying to collect money from her. I can not find ANY information on this so called law firm and when I google the phone number ( XXXX ) it comes up with a marketing company