WillisBack/dataset-financial-user-claim huggingface dataset:
I believe my bank, XXXX XXXX XXXX, is in violation of the Homeowners Protection Act of XX/XX/XXXX regarding the cancellation of PMI. According to this act, the law requires home mortgages signed on or after XX/XX/XXXX to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains 22 % equity in their home, based on the original property value ( lesser of purchase price/appraised value ). The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the date on which the principal balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. 


On XX/XX/XXXX, I made a {$3000.00} payment to my principal. The bank did not apply it to my principal. I called and on XX/XX/XXXX, they corrected the mistake ( this is documented with them ) and backdated the principal payment to XX/XX/XXXX. 

At that point, my principal balance reached 80 % of the original value of the property based on actual payments. According to the HPA, my PMI should have been automatically cancelled. I called and spoke with someone at M & T on XX/XX/XXXX to ensure that it would be cancelled ; I was told that paperwork would be filed. 

On XX/XX/XXXX, my monthly mortgage bill was automatically deducted from my account as always ; I saw that PMI had been deducted. I called M & T again and was told that this was because the mortgage was in arrears and that the PMI would be removed for the XX/XX/XXXX payment. 

On XX/XX/XXXX I received a letter from the bank stating that my PMI Waiver was approved and that I would receive an escrow analysis within 60 days. 

On XX/XX/XXXX, M & T again withdrew PMI. I called today, XX/XX/XXXX, and was informed that the paperwork for PMI takes " awhile '' and so during the interim I would have to continue to make the PMI, but that my XX/XX/XXXX payment would not deduct it. I was told I would not be refunded for the PMI they took out after the cancellation. 


If I understand the HPA correctly, the date of termination should have been XX/XX/XXXX and, at that point, the PMI should have been canceled. I understand that it was in arrears, but M & T 's claim of " paperwork processing time '' seems to be in contrast with the HPA 's wording of " automatic cancellation. '' I believe that M & T is acting fraudulently, and that I am protected under the HPA act. I suspect that other consumers are being treated unfairly, as well.
I am being repeatedly contacted by RMC about medical debts that I have either paid, insurance paid or these belong to my son. I have provided documentation numerous times to RMC to clear up the matter and I still receive threatening calls daily from them. They threatened to have me arrested and said they were having me arrested for fraud.
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX   XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX XXXX/XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
The company removed information pertaining to fraud on my credit report and has made the information inaccessible to. Furthermore the company has refused to remove addresses that are posted fraudulently on my credit report and has demanded personal identifying information from me.
Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. 

Over a month went by I had received nothing from the company. 

However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. 

They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.
I 've requested that Credit Karma correct how they are reporting some information on their site regarding XXXX accounts. They are reporting that XXXX XXXX accounts are deleted and on the same page they are still listing the accounts as mine as well as still reporting ... Which is it
Please help. I filed a dispute with the credit reporting agencies about a balance still being reported as outstanding, after it was cancelled and forgiven by Chase. Also I received a XXXX from Chase for tax reporting, but now Chase is saying that I still owe them even though they issued me a XXXX with a code ( g ) of no further collections. I am reporting this as income for the year 2015. So I 'm confused. I thought that once the XXXX is issued that Chase would show the balance as XXXX on my credit reports, but now they are saying that I still owe them and have to report it as income. So I 'm confused. If I have to pay taxes for the XXXX issued amount by Chase, should n't the balance be reported as ( XXXX ) XXXX balance on my credit reports and is it correct to be reported as a debt and as income? I see this as double reporting. So I do n't understand. If you could help me with resolving this issue it would be greatly appreciated.
What can I do to get the help that I need I made a transaction with the checking account side of my netspend cardXX/XX/XXXXfor XXXX $ onXX/XX/XXXXit came back that the bank dishonered it I then made a XXXX $ payment from the same acct transaction posted to utility company never came out of account. I contacted card company was told the transactions were never made because they are not in the history. I argued with this company about an hour and a half or more. I was treated disrespectfully got put back into the que line until another representative picked up I asked for a supervisor was disconnected, I called back asked for a supervisor or someone who could tell me why this happened got transferred and I let the phone ring for a good 5 minutes or so before I hung up and called back then I just kept getting repeated answers of the chrgs are n't in your history we ca n't help. Was n't even offered a dispute or payment inquiry nothing.i do have pictures of the dishonered letter my transaction history and where payments posted to other account if you want them.
IQ data continued to harrass my parents regarding a debt turned over to them by an apartment complex I moved out of a month early due to work injury, XXXX, and XXXX all while out of work and collecting workers comp. In addition, they began harrassing me at work, as well as, contacting my employer, XXXX XXXX XXXX. They were asked numerous times to cease ALL harassing phone calls that were being made, but did not. Then they began calling me while I was at work, by pretending to be someone else, from various numbers so I would take the calls, and would not stop calling. I told them they were not given permission and I wanted the calling stopped immediately, before they cost me my job.
I am a XXXX in an XXXX. I do not make a very large salary, and I wanted to apply for the income-based repayment plans and see what other loan forgiveness options were available to me as I work in a XXXX outside of XXXX, NJ. Instead of getting information about how I can consolidate loans, forgive loans, and then move into an income based repayment plan after those steps were taken, my loan servicing provider just told me to defer my payments by sending me emails that were titled, " XXXX, Reply YES to Resolve Your Student Loan Payments ''. I never got clear information on how to actually apply for and qualify for a new repayment plan for someone in my career field. I know there are options available to XXXX, and I was never made aware of them by my provider. I am accruing more interest and hurting myself in the long run instead of making strides towards paying off my loan and working towards lowering the debt. I feel like the provider did not provide me clear options about my loan repayment.
I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.
I recently wanted local banks to cash U.S Government Savings EE Bonds that I purchased 30 years ago. XXXX of the XXXX banks that I visited to get this done refused to even talk to me because I was not a customer. On advice from Treasury-Minneapolis MN, I filled out Form XXXX from their website. I was to take it to any bank to certify my signature and call a toll free number if their was a problem. They refused. Since purchasing the bonds from a Bank, it is reasonable that a bank would redeem the bonds. I have written to the XXXX Banking Committee about my problem in detail with copies sent XXXX and each of my XXXX Representatives. I also sent a letter to XXXX Bank President identifying excellent Customer Service of a local Bank Manager who listened to my needs and together we found a solution to my predicament. The reason for not being a local bank customer is explained in my letter XXXX. I would be happy to forward copies of these letters to you so that you can fully understand what should have been a simple task took an entire day with a great deal of frustration dealing with a " Catch 22 '' situation.
I took out a loan for my education in XXXX 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to XXXX as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with XXXX when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time.
I just wont to fallow up on my complaint 's I no that it wont go any where we just do n't have any Justus for the people in the USA it is funny I worked since I was XXXX and I do main work and when I was ask to serve my country I went I did not burn my card I did not run to XXXX and after it was all over com back and be treated like a hero you tell me way do n't or country help when we need it I do n't care what chase sais the lied when they said no one would tell some one to stop paying them well I got news for them they did the women that I talked with did and it was recorded all they have to do is get the tape I no that they do n't destroy them unless the do n't wont to get cot with it but it was recorded for training purposes when we ask for a mod that is when chase would not work with us after that they sold us to XXXX XXXX XXXX bank but that was after they cheated us and a hol lot moor the same way XXXX XXXX
My loan is being serviced by XXXX XXXX who did an escrow analysis and I have a shortage in my escrow account. XX/XX/XXXX when my loan was being serviced by Chase, Chase paid the wrong tax bill and admitted in a phone call that was the case and that they would investigate -- Its been over a month and I have not heard back. So, in XX/XX/XXXX XXXX paid two years of taxes causing a shortage in my escrow account. I filed a previous complaint against XXXX, but XXXX is claiming no liability and pointing the finger at Chase.
We have submitted paperwork for a loan modification to SPS. SPS will not work with us on a modification due to prejudice of supposed home value. Our home is in a nice area and SPS is overvaluing the home. Our home is now in foreclosure status. SPS wants the home back to sell. SPS has not been helping us in our time of need. The lender consistently had prejudice reagaring the home value. We have seen what the homes have been selling for and it is a lot less then what SPS is estimating. We have been charged excessive fees by SPS making it harder to get a loan modification. We were constantly being asked for the same documents over and over.
I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX-XXXX ...., XXXX- XXXX ...., XXXX XXXX XXXX-XXXX ...., XXXX XXXX- XXXX .... Transunion has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to e-Oscar or any sort of automated verification. Again Transunion failed to comply with FCRA section 611 ( a ) ( 1 ) ( A ) and is continuing to further damage my ability to secure credit. Transunion has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.
I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( XXXX ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The XXXX   acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted XXXX on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.
I had a negative experience with Caliber Home Loans. I first received a notice of delinquency from the County Assessors office in XXXX XXXX, indicating that my property taxes had not been paid for the XXXX property tax year. I contacted the lender several times, and was unable to get a clear answer on the situation. I was assured multiple times that they would be handling the issue, and paying the taxes, and that I would not be responsible for any late fees, and penalties as a result of this situation. 
In XXXX XXXX, I received a certificate of redemption from the tax collectors office, stating that my taxes had finally been paid. However, after receiving the Annual Escrow Account Disclosure from Caliber Home Loans, I realized that they had paid the XXXX taxes, in addition to the late penalties, from my escrow account. I am not responsible for any late penalties accrued, due to late payment of the XXXX property taxes. I contacted Caliber Home Loans to let them know that they had erroneously withdrawn late penalties from my escrow account, and that I should not have been responsible for their mishandling of my account. In discussion with customer service, and after their refusal to allow me to speak to a customer service supervisor, I was told that the reason the taxes were not paid was due to the false allegation, that I had supposedly given them the wrong lot number for my property. Caliber Home Loans acquired my loan from XXXX in XXXX of XXXX. Caliber Home Loans paid the XXXX taxes upon receiving my loan, without issue. All the necessary information pertaining to my property is on the trust deed, which they 've had since acquiring my loan from XXXX. 

In addition, as a result of their mishandling of my escrow account, the new Annual Escrow Account Disclosure statement activity for the next 12 month cycle indicates an unrealistic shortage amount, which is not in accordance with RESPA recommendations.
The lawn service company " XXXX '' was discharged from servicing my property in fall of XX/XX/XXXX. The company continued to treat my lawn in spite of my denying and without my permission. 

I paid them XXXX payment with a clear note that I will not pay any future payments. XXXX continued to treat my lawn in XX/XX/XXXX and in XX/XX/XXXX without my permission. Now they want me to pay them the charges that I do not owe them. Now they have employed TRANSWORLD Systems to collect the debt. 

I need for you to inform the collection company to stop the mail to my address. Also, I want to ensure that this does not affect my credit score. Please, advise. 

XXXX
Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following items off my credit report/file : Account # XXXX XXXX XXXX XXXX ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS ; Account # XXXX OSFA/EDS. I have previously submitted disputes with Equifax along with the necessary FTC and law enforcement reports necessary to block these items from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other Consumer Reporting Agencies have completed their investigations and have removed these items which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.
Back in 2007 i was out of work and behind on my payments. Wells Fargo put into the HAMP program, but in the process they over charged me for my loan. They took all my payments and put in on the back end for a 40 year mortgage. My loan amount went up way much higher than is should of. It went from XXXX to XXXX XXXX. At the time they made it sound that the amount correct, because it included back payments and back years of property taxes. Upon further review years later. It turns out that I was WAY over charged. I've tried numerous times to get help from Wells Fargo, but they told me they can not help.
Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently
I have a loan with an interest rate 10 % I had a shoulder injury and was out of work for two months. So. I called citi started a loan mod it was excepted with a new payment of XXXX with a 3 month trail payment. Then 1 1/2 year later the called me and asked for another loan mod. I did n't understand why but still making my payment of XXXX. Then 6 months a go they sent me a letter that lowered my payment to XXXX due to over payment in escrow. Now the say that I 'm XXXX pass due that 's not the case. I 'm now trying to get them to tell me how 's been cashing my checks. That in line with Fraud.
My husband and I applied for a re-finance loan with our current lender. Jumping through all the hoops that we have with them to get all the documentation to them in time to close, they have now requested that on the application, in the declarations sections we must check yes to XXXX and XXXX since we had a Short Sale. Then though we DID NOT have a foreclosure. They told us to do so or no loan.
On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, Transunion, XXXX, And XXXX and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX  ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX  has removed this incorrect negative file off my reports as of today & I feel that XXXX   and Transunion should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.
I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened  XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.