WillisBack/dataset-financial-user-claim huggingface dataset:
Property was recently determined to be in a special flood zone requiring flood insurance. It is XXXX loan and according to their servicing guide the insurance requirements are as follows. 
Coverage for XXXX MortgagesThe minimum amount of flood insurance required for most first mortgages secured by one- to four-unit properties, individual PUD units, and certain individual condo units ( such as those in detached condos, townhouses, or rowhouses ) is the lowest of : 100 % of the replacement cost of the insurable value of the improvements ; the maximum insurance available from the XXXX XXXX which is currently {$250000.00} per dwelling ; or the unpaid principal balance of the mortgage. 

Additional requirements for units in attached condo projects, co-op projects, and PUDs are detailed in Requirements for Project Developments below. 

For a HomeStyle Renovation Mortgage, the flood insurance coverage should be in an amount equal to the " as is '' value of the property. This coverage must be increased, if necessary, following completion of the renovation work to ensure that the coverage meets XXXX standard coverage requirements. 

The property is neither a condo or PUD. My mortgage servicer, CitiMortgage, is requiring flood insurance per Citi 's guideline which is 80 % replacement of value and as a result which costs nearly XXXX times as much as the insurance required by XXXX. Have called Citi several times to resolve but they insist on charging the higher amount. 
Payment is jumping nearly {$200.00} a month for this extra insurance. I thought there are controls in place to prevent this kind of payment shock.
XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off
I was enrolled in Equifax Monitoring Services in which I was able to get daily updates on my credit report and score. As of XX/XX/XXXX this was no longer an option. Each time I attempted to generate a new report with score the system indicated my order failed. I have spoken with several representatives and the issue has yet to be resolved. Most recently, there is currently a delay with Equifax reporting updates to my account. I have a new credit card that was reported to all 3 credit bureaus and Equifax has failed to update the account. I am also having trouble accessing my Equifax report through other monitoring sites. I am being told that there is an error with my authentication information. I have provided Equifax with my legal name, date of birth, social security number and address. This has been provided via fax as ofXX/XX/XXXX and again verbally on XX/XX/XXXX.
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXXchild support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
I have A XXXX XXXX on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. 

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I have recently had changes to my Transunion Credit Report. I requested a copy of my credit report to verify the changes but Transunion has not complied with my request.
Back in  XXXX  of    2017  I complained that Ditech stole money from me and tried to pass it off as an HOA fee. Case number :  XXXX . The money was only returned when they were forced to respond to my complaint. So thank you for that.     Since then I have received no responses to any questions I have asked them. They bumped my escrow by {$90.00} per month. I still have not been late with any payment however they are trying to justify this boost based on  2017  taxes. I have qualified for t he Homestead Exemption  in  XXXX   XXXX  GA for  2017  so my taxes should go down. I actually received an estimate fr om the county  in  XXXX  and it went down a lot. They wont respond to any of the questions regarding the surplus money. I get a generic email and letter that says we are coming up with a solution.     I refuse to call them becau se Ditech call center staff have set responses. The first response is to blame the homeowner for any and all problems. I  'm tired of the games and the backlash
I am very worry of the way my loan is been credit. I receive the escrow review statement dated X/XX/2017 reflecting escrow shortage for the amount of {$4800.00}. Since I do not want any other fees to be added to my monthly mortgage payment. I decided to pay the full amount of the shortage. I mailed out a check to Wells Fargo on X/XX/2017 for the full amount of {$4800.00}. and it was withdrawn from my bank account. However the monthly mortgage statement I keep receiving from Wells Fargo is reflecting my escrow is higher every time. With this complaint I am providing a copy of the check I mailed to Wells Fargo. Also my bank statement shows the check was cashed out. I dont understand if I paid my shortage of {$4800.00}. My mortgage statement dated X/X/2017 is reflecting a escrow balance of {$6200.00}. I am requesting a detail explanation of how my loan was credit. Also the an explanation why my escrow keeps increasing every time. Please address all my concerns since I do not want to fall behind. Due to Wells Fargo 's mistakes Thank you in advance for your consideration.
Received a letter from Credit Management of XXXX trying to collect a debt that I do not owe. Refused to send me an itemized statement of the alleged debt.
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and  XXXX . I was able to research a bit more using   XXXX      XXXX   and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XXXX / XXXX / XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch  with Nelnet, Dept of Education, an d NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency. Nelnet reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports Nelnet as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
XXXX XXXX XXXX from the XXXX in XX/XX/XXXX during the housing crisis. I had to file for Bankruptcy in XXXX and discharged my house, an HOA account and other various debts in order to make ends meet. Fast forward almost seven years later I get a hard inquiry on my credit report from XXXX XXXX XXXX without prior approval or written notification of any intent to collect a debt. The " Debt '' in question was from the HOA at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CO. 

The HOA company had not attempted to contact me or seek restitution in over seven years. They sent the " delinquent account '' to collections without first contacting me of their intent nor even offering me the ability to pay said debt. According to House Bill 13-1276 Colorado Governor XXXX passed in XXXX, the HOA had to afford me this option, which they didn't. Also not to mention the fact that the statutes of limitations on that debt is in question. Finally, XX/XX/XXXX, round about, the XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CO XXXX, went ahead with sending my account into collections without written notification or verification of said debt. 

I had called previously to inquire as to the debt ( a debt that totals {$3800.00} ), they gave me minimal information, told me the debt was sent to them in XX/XX/XXXX, and since I had no idea the debt existed, I disputed the debt. They did not send me notification of my intent to dispute nor did they send me written notification ( which is required by law within 30 days of receiving the debt from the original creditor, the HOA at XXXX XXXX. ) Once the debt went into collection, I called again to inform the collection agency, XXXX XXXX XXXX, that the HOA failed to give me written notification or intent to send the debt to collections which violates HB 13-1276, to which they replied, " All further communication regarding this debt should be discussed with your attorney. '' To which I stated, " Absolutely, have a nice day. '' This is in violation of the FDCPA. 

I called today, the XX/XX/XXXX, to get written verification of the debt, because until that point I have not received said notification. The person on the other end at XXXX XXXX XXXX was friendly enough and said they would send me a copy with a quick " Thank you, have a nice day. '' I feel that this company, ( XXXX XXXX XXXX XXXX ) having not sent me any written notification of the debt, which they have had since XX/XX/XXXX,  and the fact that they have been very unprofessional in assisting me with this issue, is fraudulent in their attempt to collect said Debt. If I wasn't concerned about my credit score ( I monitor my credit and the only reason I know about XXXX XXXX XXXX. and this debt is because they dinged my credit ; otherwise, we were completely unaware due to the fact that I never received written or oral correspondence until I called them because I was not sure who they were ), I would have never known of their collections, and would be completely unaware of the possibility of a law suit. This company is working to hurt people, their finances, and their livelihood, by working outside the guidelines and laws that protect consumers.
Hi my name is XXXX XXXX XXXX, I have a private student loan with Navient. they are refusing to help me lower my payment passed on my financial statement and a supervisior even hung up on me. when he refused to tell me if any programs where available to me. I have a co signer who offered to send final statements and they refused to except and only took it over the phone and said she made too much to lower my interest rate which he says is the only way to lower my payment. I am not a student anymore I work and have a family and make like XXXX a month and my bills round up to about over 2500. a month. I m in desperate need of help and they are just flat out refusing to assist me, I am willing to pay, just need an amount that I can afford. I have tried numerous times with no success and I am at my whits end I have a family to support and it seems these people at Navient care only about how much they can get out of you they care nothing about working with the customer to solve any hardship issues. The lack of empathy dicusses me to no end how can people be so bottom line and treat others like just a number.
XXXX XXXX XXXX is still reporting the repossession of a vehicle to All XXXX credit bureaus that is well over seven years old. This vehicle was never in my possession and is the responsibility of another individual that is not nor has never been a relation. The amount of said negative debt reporting from XXXX XXXX XXXX is about {$11000.00}. Exact amount and circumstance of loan unknown to me as again this is not my debt and is over seven years old. I recently discovered this when applying for a loan at my local bank. Please have account removed/deleted from all three credit reporting agencies.
In XX/XX/XXXX my car was stolen and crashed. It was deemed a total loss. My insurance company at the time XXXX ; paid a full amount to Ally in what they thought the car was worth. At that time I begin my XXXX claim to pay the remaining balance. I called ally to request documents such as loan contract, loan balance, payment history, etc. An ally representative informed me that I was not to start my XXXX claim that ally would and they would have to speak with XXXX to negotiate settlement. Ally settled an entire {$500.00} less that I settled for but since XXXX already settled a certain amount with me, they honored our agreement and sent on XX/XX/XXXX the extra {$500.00} to ally. Last week XX/XX/XXXX, I contacted XXXX  and they said they were sending almost {$4000.00} ( {$3700.00} ) to be exact to cover the remaining balance of my car. On XX/XX/XXXX I  noticed that my credit bureau had not been updated and that Ally continues to report a late payment. I called Ally who informed me that the remaining balance was {$1400.00} and some change and that included interest that continued to accrue since XX/XX/XXXX even though Ally has been " helping me '' with this issue. Also, that ally reversed the {$500.00} payment that was extra and sent from XXXX. So we conference call the XXXX adjuster and what do we find that the {$500.00} check was processed from XXXX XXXX in XX/XX/XXXX. Therefore, there was no way they reversed the amount on XX/XX/XXXX. The end result of my call was that ally was going to have " someone '' call me back!! I will wait until tomorrow and at which time I will be calling ALLY back and will demand to speak to someone asap!! How are you still accruing interest on account you are actively helping settle and how do you lose {$500.00}.
Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XX/XX/XXXX payment ( XX/XX/XXXX ) to align with my pay day ( XX/XX/XXXX ) and received a letter dated XXXX. I find this to be very aggressive and unnecessary, when XXXX bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XX/XX/XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.
I was unfortunately late on a payment with my Chase Shappire credit card in XX/XX/XXXX that did not exceed more than 30 days. This was just basic human error on my part and I have not been late ever since. I've only had this card since XX/XX/XXXX and it is my only credit card. When I called Chase to remove the late mark on my report I was told I was past the 90 day grace period and they can not remove the remark. I tried calling a few more times and even disputed it with all 3 credit bureaus and still no luck. 

I recently applied for a small loan for debt consolidation and was denied. The principal reason for denial was : missed payment reported on my credit report. They checked both XXXX  and XXXX. My other 2 loans reporting on my card ( 1 school and 1 personal ) both have no late or negative remarks as they have been paid on time every month. 

After doing some research it states that 35 % of your score is based on your payment history. I think this may be the reason I have been denied as I applied for a school loan and one other credit card between XXXX and XXXX of this year and was also denied. 

I need help getting this late remark removed off of my report so I can get a small loan or second credit card for any potential emergencies.
transunion credit report inquries that castumer servis did not help with XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
I 've tried contacting Equifax over 4 times across multiple days to remove a credit report control lock from my credit report and each time, the representative was unsuccessful because of some " system glitch '' causing the system to not process the request. 

On Wednesday XX/XX/XXXX, I called Equifax to remove what I thought was a freeze on my credit report. Long story short, it turned out that it was actually a credit report control lock and took a few departments to figure out who I needed. Once I got to to the right department, the representative told me their system was having issues and to call back in 45 mins. After I called back after then, I was told their system was still having issues and to try again in 2-3 hrs. After calling back after then, the person was supposedly able to submit a request to remove the lock and said to call back in 2-4 hrs to confirm that it was removed. I called back after 2 hrs and the lock was still on and a representative said she 'd try to remove the lock again herself. She tried removing it, but apparently their system was still having issues and told me to try calling tomorrow after waiting for at least 10 mins for the system to process. 

On Friday XX/XX/XXXX, I went to apply for a loan and was denied the loan because a lock was still on my account. I called Equifax again that afternoon and another person tried to remove the lock, and yet again their system was having a glitch so much that after waiting on hold for 45 mins for the system, the person said to try calling again after a day. 

Equifax should be able to process a simple request to remove a lock on a credit report and system issues should n't run across multiple days. Also, I should n't have to continually waste time calling them to make new requests when they know I want to remove the lock ; they should put it in their queue to try again and call me back when it is complete.
I have repeatedly received phone calls on a loan I already paid off YEARS ago. The same harassing phone calls from different companies every few months. I ca n't get them to stop either changing their company name or selling a false debt to someone else. PLEASE help.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX Hard inquiry shows on my report
I opened a Citigold checking account with Citi on XXXX/XXXX/XXXX due to receiving a promotional flyer offering XXXX XXXX XXXX AAdvantage miles using promotional code " XXXX '' if I met the following conditions : " Within 60 days of account opening, complete these everyday banking activities : - XXXX qualifying bill payment for 2 consecutive months - Spend {$1000.00} in purchases using your Citibank Debit Card '' I applied for the account and was approved, whereupon I met the requirements on XXXX/XXXX/XXXX. I confirmed that I met all requirements via Citi SecureMessage ( CSM ) on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I contacted CSM to confirm I would be receiving my miles this month. I received a response from CSM on XXXX/XXXX/XXXX stating the miles were posted to my account on XXXX/XXXX/XXXX. I replied back stating I did not receive the miles and received a CSM on XXXX/XXXX/XXXX stating a research case had been opened. I contacted CSM on XXXX/XXXX/XXXX to see the status of the research case. I received a CSM the same day stating that the research case had been completed and " We confirmed you qualify to receive the XXXX AAdvantage miles ''. 

I also received an e-communication : Title : Our Research Results Date : XXXX/XXXX/XXXX Message : " Your account does qualify for Promotion XXXX, which offered XXXX XXXX Miles. Citibank is eager to have these miles applied to your XXXX XXXX AAdvantage account, however ; will need your XXXX XXXX AAdvantage account number to process your request. Please contact Citibank Online Services at XXXX at your earliest convenience to provide the AAdvantage account number. '' I did not wish to continue sending CSM to just provide my AAdvantage account number ( which I provided upon application ), so I called on XXXX/XXXX/XXXX to provide this information. I was told the information was submitted and I would hear back from Citi. I then received an e-communication : Title : Our Research Results Date : XXXX/XXXX/XXXX Message : " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 
Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I spoke at length ( XXXX minutes on XXXX/XXXX/XXXX, XXXX minutes on XXXX/XXXX/XXXX ) on the phone to Citigold representatives, who stated it was indicated in the account I was not eligible for the promotion. I confirmed multiple times via CSM and am now being denied my XXXX AAdvantage miles, despite meeting all requirements and receiving a promotional flyer regarding this. It would be imprudent for Citi to believe I should keep that flyer for XXXX months to prove eligibility, especially since I verified multiple times I was eligible.
Transunion continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.