WillisBack/dataset-financial-user-claim huggingface dataset:
Please read in its entirety. 
Complaint Submitted on XXXX/XXXX/XXXX Case number : XXXX I have contacted Freedom Mortgage XXXX on 4 separate occasions to remove my PMI insurance since we own more than 20 % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Freedom Mortgage 's response on XXXX/XXXX/XXXX : We are in receipt of your complaint and are happy to respond to your concerns. I have reviewed your complaint and researched the issue regarding your request from PMI removal. 

You requested PMI removal and submitted your own appraisal and asked if that appraisal was would be acceptable. We responded with letters to you on XXXX and XXXX specifically stating that an appraisal was required from our vendor. I have attached the letters for your review. Once again, we can not accept the appraisal you have submitted. The appraisal must be from an independent. This is an investor guideline which we can not change. 

I have also attached a PMI disclosure that you signed at closing. PMI is scheduled to automatically terminate after you have made the XXXX/XXXX/XXXX payment assuming your payments are current. Given the estimated cost of a new appraisal at {$450.00} compared to the 4 remaining PMI payments at {$26.00} per month, it appears that it would be more cost effective to wait for automatic termination after the XXXX/XXXX/XXXX payment has been made. However please feel free to contact our appraisal vendor for a price quote so that you may make an informed decision. 

If you have any further questions or concerns, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX response on XXXX/XXXX/XXXX : We did receive the letters that were attached in this case, however, they did NOT state that we were REQUIRED to use an independent vendor ( please read the letter ). Also, we never received any document that our appraisal was not acceptable. I know Freedom Mortgage has access to our latest home value because they have contacted me to barrow me more money. How come the " updated '' value of our home from our " non-independent appraiser '' is " good enough '' to contact me to try and lend me more money but not " good enough '' to remove the PMI. All that was stated in the PMI contract that we signed on XXXX/XXXX/XXXX was in order to cancel the PMI an updated appraisal would be needed. I have attached all the documents related to this dispute.
Hold on to hat, this is good one. 

The credit card companies have figuered out that their best payors, ( those payors who pay their credit cards online the day they become available ) can be hit with late fees by stating that their payments were processed in the previous month 's cycle. XXXX XXXX XXXX hit me with it about 4 months ago and my Wells Fargo credit card online statement which showed up today has started the fradulant fee process as well. 

For clarity I will explain the process as it rolled out on my Wells Fargo account. The exact process occurred on my XXXX XXXX XXXX credit card during the months of XXXX, XXXX and XXXX of this year. 

On XXXX/XXXX/16 I accessed my online Wells Fargo credit card account to pay my credit card new month 's bill. The date of XXXX was the first day this information became available and the online account screen had my new balance with added interest fees and the minimum payment due listed ( {$80.00} ). I processed a payment of {$82.00} that day. I always pay my credit cards the first day they are available to pay. 

Now satisfied I have paid the current month I no longer access the account online until the next month becomes due. 

This morning ( XXXX/XXXX/16 ) I access my Wells Fargo account online and my minimum payment due has jumped from {$80.00} due to {$180.00} due. Also, I notice my interest fees have increased by about {$30.00} ( from around {$42.00} per month to around now {$68.00} ) I call Wells Fargo to find out what the deal is and am told that my previous month 's payment ( in XXXX ) was processed before the closing date of the XXXX statement and that payment made was structured as an extra payment for XXXX EVEN THOUGH online it gave me a new balance for the XXXX statement, new due date, and minimum due for the next month. 

Essentially the credit card companies are screwing their best payors who do not scrutinize their balance but just pay it immediately. The credit card companies have figuered out that the number of people who catch the fees and complain are far less than those who simply pay without checking. 

This has class action written all over it.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
I have a letter prepared, including all documentation, to support my complaint which I want to upload to your website. 

The complaint was previously submitted to the CFPB on XX/XX/XXXX and was received by the CFPB on XX/XX/XXXX which is also included in the documentation with a tracking document. 

The company I am filing this complaint against is Caliber Home Loans , Inc . The loan # is XXXX. The complaint concerns additional payments I made to my account for escrow which Caliber Home Loans claims their policy is to not accept additional escrow. However, Caliber did  accept additional escrow in the amount of {$100.00} to my account in XX/XX/XXXX. They refused to accept additional escrow of {$400.00} which I paid in XX/XX/XXXX claiming it is against their policy. There is nothing written in my loan agreement with Caliber that additional escrow is not allowed or accepted. They also would not return the additional escrow I paid until I requested an official escrow analysis although is evident on my XX/XX/XXXX statement that additional escrow was just setting in an account and not being applied to anything. 

My docs and letter are attached but I had to break them up into 4 separate files since your system only accepts 10 MB per file. 

XXXX XXXX
I called American Express to get a lower APR. I asked if I could open a new card with 0 % APR and transfer my balance. The representative informed me that they do not do balance transfers between AMEX cards, but that I could " upgrade '' my card to XXXX with 0 % APR. I agreed. A few days later, I received a new AMEX card in the mail with a different number than my existing card. I waited a few weeks before activating the card and, upon activation, I discovered that I now had XXXX AMEX cards, my old XXXX with a small balance ( why I initially wanted 0 % APR ), and the new XXXX with no balance. So, my account was not upgraded, I was simply issued a XXXX card. This adversely affected my credit score due to the addition of a new credit account as well as the hard inquiry they made into my credit score. Not to mention the fact that I was lied to ( on a recorded line ) by an American Express representative. I immediately contacted customer service on XXXX/XXXXXX/XX/2015 and was told they would open an investigation and I would hear back in 5-7 days. I never heard anything. I called again on XXXX/XXXX/XX/XX/2015 only to find that no investigation or complaint was ever opened the XXXX time. The representative gave me his ID number, XXXX, and told me I would hear back from them in 3-5 days. I never did. I called again today, XXXX/XXXX/XX/XX/<YYYY> and spoke to XXXX in North Carolina. She informed me that a complaint was opened, but not resolution had been reached and to call back in 30 days. XXXX strikes and they 're out. I have had no satisfaction from dealing directly with AMEX and therefore am reaching out to CFPB for assistance.
On XX/XX/2016, XX/XX/2016 BB & T bank charge me overdraft fees of {$36.00} each that amounts to {$72.00}. 
When I log in and open the account online and review the overdraft fee transaction in my account details it says " Your account had insufficient funds to pay XXXX item ( s ). BB & T returned the following item ( s ). 
Total Item Amount : {$.00} TOTAL RETURNED ITEM FEE ( $ XXXX/ITEM ) : {$36.00} " The message above in parentheses is ambiguous. This message is not complete. This message shows no useful information other than the amount that I am being charged. This message does n't tell me what item was returned making it impossible for me to resolve this with the party that did not receive the payment. Whenever a check is returned not only does BB & T charge a fee but the receiver of the check also charges a return item fee. And I feel that these insufficient fund charges created by BB & T are not warranted and not justified. What BB & T has done is create a very being problem that not only cost me money for their overdraft fees but cost me money for the fees that the payment recipient charges to me as well. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available ending balance on XX/XX/XXXX was {$2500.00}. My available ending balance on XX/XX/XXXX was {$2600.00}. My available ending balance on XX/XX/XXXX was {$2700.00}. I do n't understand how I could have overdrafted. I certainly had enough money to cover any bills. 

On XX/XX/2016 I was charged {$36.00} dollars for insufficient funds available. My available balance on XX/XX/XXXX was {$3100.00}. My available ending balance on XXXX was {$3200.00}. My available ending balance on XX/XX/XXXX was {$990.00}. I dont understand how I could have overdrafted.
In XXXX XXXX, my XXXX tax refund was offset by GC Services who has purchased my student loan account from the Dept. of Education.When I initially contacted GC services they ignored my request for any proof that I owed any money to them. 
I decided to take my dispute up with XXXX, who later advised me that the debt was valid w/o so much of proof provided. 
So I decided to take it a step further and request GC Services validate the debt sent certified mail on XXXX/XXXX/XXXX and which they received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a letter from GC Services indicating that I received a loan from XXXX University. Since I never attended XXXX University, I requested a formal letter from the school indicating that I never attended and borrow any Title VI loans from there school. The notice and proff was sent again certified mail on XXXX/XXXX/XXXX and signed for on XXXX/XXXX/XXXX. 
It has been now 16 days and I see that GC Services not only has the amount listed on all XXXX credit bureaus as a derogatory account, but still has a balance owing of around {$3000.00} in which they just assigned back to the government for collection. I feel since they know they did not have the right to collect {$7200.00} on this account and I was seeking reimbursement, they decided to sale the account by taking my money and running.
I paid for credit monitoring services with Equifax to access my report and score. The last time I was able to access my file was on XXXX XXXX, 2017. However, after I started disputing items on my file as fraudulent, I was unable to access my file. I was told that a copy of my drivers license and social security card was needed. I sent my drivers license and social security card in to verify my identity. I also called, spoke and confirmed with a personal solution representative for the product I purchased with Equifax that my driver 's license was received and verified. I have been paying for the service but not able to gain access to my credit file or score. I have been told several times that my file was escalated to another department and that the problem would be fixed in 7-10 business days and everytime I called back it was the same response " It will be escalated check back in 7-10 days ''. As of today X/X/2017, I have cancelled my service because I am unable to access my file and score that I have paid for.
On XX/XX/2018 I sent a letter to Equifax for a free credit report, in which I was denied due to they wanted personal information such as, Driver License, SSN, Utility bill and a pay stub. On XX/XX/XXXX, I sent another letter attached with XXXX   letter proving my information is current and correct. I did received a response from Equifax date XX/XX/2018 stating " We are pleased to let you know that the results of the dispute you recently filed with Equifax are complete. '' I called Equifax and the representative still wanted to verfiy information by answering Multiple choice questions, I was offended plus my credit report was denied to me. I would like to have my free annual credit report from Equifax.
XXXX XXXX auto-renewed a policy I cancelled, and stop payment on, then sent me to a very hostile and aggressive collection agency.
Back in XX/XX/XXXX, I had a XXXX phone account in my name. I eventually XXXX to the XXXX XXXX and I canceled my XXXX account under the XXXX. About two months, into my XXXX, I received a notice that a collection account had been established on my credit report on all XXXX bureaus by Midland Funding on behalf of XXXX for failure to pay my cellphone bill. In good faith, I paid Midland Funding the amount requested. I then called XXXX and advised that I had canceled my cell phone account under the XXXX They advised me that they would contact Midland Funding and request that the account be taken back off my credit report. I then verified it was taken off my credit report. Then in XX/XX/XXXX, it reappeared on my credit report. I worked with Midland Funding and the XXXX to get it taken off once again. Then back in XXXX XX/XX/XXXX, it appeared for a XXXX time. However, this time it was being reported XXXX. It was being reported this way to all XXXX major credit bureaus. Once as a collection that was paid and closed and then again as an open, unpaid collection account. I called Midland Funding to complain and was told that they had no knowledge of this account. I then called XXXX Credit Services and XXXX to verify what I saw on my credit report and they confirmed it. I then called Midland Funding back and they all of sudden knew what account I was referring to. They advised they would not do anything to help except maybe send a refresher report to the credit bureaus. They also advised that the last time they reported on this account was back in XXXX. I then called the XXXX Bureau directly and they advised that the last time the account had been reported on was in XXXX and XX/XX/XXXX, no back in XX/XX/XXXX. They also advised that Midland Funding had requested some changes to my credit report, XXXX of which deleted the double reporting of the collection account. So basically, Midland Funding lied to me about when the account was being reported on and submitted some changes to my credit report behind my back to try and cover themselves. At least this is my thought. As of right now, my credit report still shows all credit report bureaus reporting an account in collections as well as the account being paid in full. 

Midland Funding ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
I called today XX/XX/2019 in reference to a dispute file # XXXX that was dated XX/XX/2019. After talking with a rep that didn't understand what I was requesting I asked for a supervisor. After the supervisor XXXX came on the phone I explained that I am requesting a Method of Verification letter referencing the file number stated above to be sent to me as per my right under the FCRA. He stated that there was nothing they could send out. I continued to explain that I have a right to that information and he stood firm in there was nothing to send me. Their ignorance of the law or just outright unwillingness is unprofessional, unacceptable and a violation of my rights.
Supposedly I received a loan from  XXXX  that went to a bank account that my husband, who was an   XXXX   military member at the time, closed prior to the loan being taken out. I have asked this company several times to stop collecting on the debt and reporting the debt on my credit report. They have provided to me a   XXXX   XXXX   open-end agreement that does n't have a signature but is typed in and their open end loan history that does n't say where the money went and where they were trying to get it from. From day  1 the  loan payments came back as NSF but that account had already been closed.   I just want this removed and/or taken care of so that I can buy a house. I was willing to settle the debt with  XXXX  just to get these debt  collectors  off my credit report but somehow they responded. I need your help!
Experian has XXXX XXXX & XXXX XXXX XXXX XXXX as the same account and errors on 120 120 90 90 90 90 charge of XX/XX/XXXX closed account XX/XX/XXXX but has XX/XX/XXXX 120 days from the transferred account showing 120 days so what Experian is saying that the car went over 5 months with no payment and there was no repo. There are major errors to the reporting. Half report showing and transfer by XX/XX/XXXX to XXXX XXXX XXXX XXXX. I need a letter showing only fromXX/XX/XXXX only showing that {$1900.00} was written off and why I received my title but claiming that {$1900.00} was owed/written off. There should not be the same account showing XX/XX/XXXX closed but at the same time 120 days 120 days and the need documented proof 5 months and no payment as Experian has stated. Also need from the time the loan was taking out showing not years later from XX/XX/XXXX what happen XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX all those years. Date open is wrong XXXX XXXX XX/XX/XXXX- XX/XX/XXXX but then the same loan XXXX XXXX XXXX services date open XX/XX/XXXX thru XX/XX/XXXX 8 years in which this loan was not done. then 6 years XX/XX/XXXX loan but the same loan and error after error if the years of the car cant be showed on both and 8 years on the loan experain has and 6 on the other at the same time makes no sense. I have attach a copy of the Experian credit report. according to the 7 years to remove the XX/XX/XXXX dealer services has past it time as Experian has showing : Date Open XX/XX/XXXX-XX/XX/XXXX
I purchased a XX/XX/XXXX Acura TL on XX/XX/XXXX at XXXX XXXX, NJ. The dealership stated that the bank charged me {$1500.00} in acquisition fees to get approved. The vehicle had some problems but I never drove the vehicle off the lot. The dealership made XXXX attempts to repair the vehicle and I told them I just wanted to cancel the deal. The owner of the dealership told me if I called the bank he was going to keep my money & the car. I called the bank on XX/XX/XXXX to cancel the deal of a vehicle I never took possession of and they told me that they could n't do anything on their end because the loan was n't in the system. The representative told me that I needed to call back in a couple of days. On XX/XX/XXXX, the dealership called me and told me the bank had sent the funds to them and they refused to cancel the deal. I called the bank to confirm this information and they told me I needed to seek legal counsel. If the dealership mislead me the fraudelent bank fees, car history, and bogus destination fees. I wonder what measures they went to get me approve and it needs to be investigated. I informed M & T Bank of fraudulent deal that I wanted to cancel and they would not assist me. I was scammed out of {$2500.00}.
Harrassing phone calls daily, leaving threats that they will procicute for not being able to make my payments on time. I 'm struggling with my finances and payments are higher than disgust. They approved me without properly evaluating my credit reports and refinanced a previous loan at a ridiculous interest rate.
Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.
Hi I am contacting your company because I am a victim of identity theft and these companies are trying to hold me responsible for debt that I didn't not make nor did I have knowledge of. My ex husband that was deported XXXX XXXX used my information as well as my sons to open back accounts as well as credit accounts. I have contacted the companies several times trying to fix this but they refused to do anything. I am a XXXX mother of one and I don't want to be responsible for debt that I did not make. I have filed police reports and my ex husband was XXXX for stealing not only my sons and my identity but also a few other people. I am asking you to please make this company remove these fraudulent accounts because they are not mine and I did not profit off whatever it is that was gotten and these account do not belong to me and are 100 percent fraudulent. Here are a list of the accounts that I am disputing Equifax keeps re reporting fraudulent information and I keep telling them that that these accounts are fraudulent and I would like them removed from my credit report at once XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$420.00} XXXX  reported XX/XX/XXXX These are all fraudulent and I want them removed at once I'm including police report and can also provide deportation information if needed this man stole my identity and I want this removed off my credit report for good. 
If there are any questions feel free to contact me.
I received a letter from a debt collection agency for {$10.00} for a medical service. I never received any communication from the medical provider that I owed this amount and the first I am hearing of it is from the debt collection agency.
Met with   XXXX   XXXX  at Bank of America in  XXXX , NC on   XXXX   for information regarding an auto loan for a lease buyout. I asked whether I should apply for credit in my wife 's name only or jointly and he advised since I am the primary earner to apply jointly.     On  XXXX , I applied for a joint loan and called into Customer Service to be told that a joint application would n't be valid to do a lease buyout for my wife 's lease since if my name was not on the original lease, I could n't be on the credit application.     A few hours later on  XXXX , we did an auto application in her name only and then were told that application would not be valid since her father originally co-signed with her on the lease and that both names needed to match exactly.     So now my credit has been pinged once and my wife 's credit has been pinged twice and we have approved loans that are not valid and unable to close for the transaction advertised, given terrible advise by several loan offices and customer service agents all along the way.     I was given bad / incomplete information by the original banker and th en 2  subsequent phone representatives in order to encourage me to apply for credit without remotely trying to identify what was in my and my wife 's best interest.     Additionally, the law / policy that is forcing names on a credit application to match exactly both signers of a lease seems unnecessarily burdensome to younger couples who are trying to transition assets and financial responsibilities into their own names and our of their parents names.