WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, without notice, XXXX XXXX XXXX force closed two of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to Equifax or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX XXXX XXXX 's mess. This should be XXXX XXXX XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.
I spoke with Navient XX/XX/2017 and they did not want to work with me on lowering the payments.

On the websites it has that if you have federal student loans your payments may be lowered however this is often not the case.

Also, they did not discuss any payment options with me. 

Navient interest rates are too high Navient does not give options to repay on loans
My capital one credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with capital one over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to capital one again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX XXXXeport because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.
This notice is to serve as an Emergency Notice of Error. Gregory Funding Servicer for XXXX and XXXX. Have received a complete loan mitigation application in the timeframe as required by the Dodd Frank Act as well as an agreement from the previous servicer for a principal reduction. The Plaintiff and Servicer are guilty of dual tracking and have moved forward to foreclosure sale of my property tomorrow XXXX XXXX at XXXX in violation of Federal Law. I have also found fraudulent documents and forgeries of my signature in both TILA and Respa notices in which I have proof of. I am requesting that the sale be cancelled and the facts of my complaint investigated thoroughly. I will also be contacting every regulatory agency both federal and state to make a complaint in regards to these facts. These are serious violations of federal law and I intend to persue any and all legal action in regards to these egregious violations. I am requesting that a motion be sent in the court today to cancel the sale so that I am not further damaged by this action.
Navy Federal provided a pre approval letter and told me I was qualified to purchase a home. Settlement day came and they were unable to fund ( they needed more time ) buyer told them she could not wait because she would be homeless and needed a place to live now. they refused to issue any type of letter saying that the loan was not ready and the buyer is now being sued by the seller because she did not provide the letter to the seller.
We have been banking with M & T Bank for many years. Recently, we have fallen into financial problems, and XXXX of the accounts became overdrawn. After contacting the bank, we agreed to take care of the matter within a month 's time. Imagine how devastated we were when M & T decided to just TAKE the money out of XXXX account and put it in the other account. Our paychecks disappeared, not once but XXXX. This has happened XXXX this month, and now there are NSF fees for the items we have on AutoPay that have come through and could not be stopped. We have attempted to speak with them, beg, plead, but they have been rude and judgmental, and basically we are being punished for struggling and not having enough money. I would like to know if anyone else has experienced this kind of situation, and we are considering getting a lawyer to recover the money that they took without notice or permission.
XXXX pulled my credit twice in 3 days is a violation of the fcra XXXX  XXXX pulled my credit twice same day
I was considering putting my house on the market and the agent told me what we would list for. I decided not to sell right now but realized I should have PMI removed since the the market has improved significantly since I purchased my home. Caliber Home Loans offers two options for removing PMI 1 ) full  appraisal and 2 ) Broker Provided Opinion. 

I chose the BPO. The Broker came to my home on XX/XX/XXXX. I told him that a bonus room was added and I wanted to make sure that was reflected in the sq footage. The Broker told me that he had to use the sq footage on the tax record unless I could give him the appraisal that shows the sq footage has increased. The bonus room was added before I purchased the home but after it was originally built. I didn't have a copy of the appraisal but told the Broker that he can get that from Caliber. The Broker said it would have to come from me. I called Caliber around XX/XX/XXXX and they mailed me a copy of the appraisal showing the sq footage to be XXXX vs XXXX which is on the tax record. On XX/XX/XXXX I received the appraisal AND a letter from Caliber saying I did not meet the requirements to remove the PMI, my LTV is 78.390 %. I didn't receive a copy of what the Broker gave them as far as what sq footage the Broker used, comps etc. 

Around XX/XX/XXXX I called to confirm that he used the actual sq footage and NOT the tax record because there is appx 300 sq ft difference. I called the Caliber XXXX number to ask for a copy and what sq footage the Broker used and if he had used comps. I spoke to agent XXXX. She said she could not give me that information and my only option was to appeal the decision by completing the " contact us '' form. She said there was no one I could actually speak to. I completed the form twice since speaking to agent XXXX and have not heard back from anyone via email or phone. I also sent a message via twitter asking that someone contact me and never heard back from anyone. 

I paid for the BPO so don't understand why I can't get a copy but more than that I don't understand why I can't find anyone that will actually speak to me. I would like to see what the Broker used to make his decision. 

I have attached the original appraisal to show the actual sq footage and the last 5 homes that sold in my subdivision as well as the denial letter. The average per sq ft is {$110.00}. If you multiply that by my ACTUAL sq footage that is {$250000.00} and I owe {$190000.00}. That is 76 %. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
O n XX/XX/XXXX, 2017 my Chase Freedom credit card was stolen. My card was used in XXXX XXXX XXXX, 3000 miles away from my home. I was NEVER in XXXX XXXX XXXX. the following transactions showed up on my credit card statement.
XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$5600.00} I received a information from Chase onXX/XX/XXXX asking me to confirm the transactions. I immediately called the same day of the transactions and reported them as fraud. THE SAME DAY. Chase said they " validated '' the charges as mine and refuse to refund me the {$6800.00} that I am owed. Chase needs to mark these transactions as fraud and refund me the money I am owed. I have also been charged almost {$500.00} in interest charges from these fraudulent charges. They need to be refunded to me. I obviously do n't know my card number for the old card ending in XXXX, but I will provide my new card number.
SLS XXXX 
XXXX XXXX XXXX XXXX XXXX, ( Ph XXXX XXXX XXXX ) ( Ph XXXX XXXX XXXX, Fax XXXX XXXX XXXX XXXX ) LOAN # XXXX LOAN # XXXX Dear SLS, Teller ID # XXXX I HAVE RECEIVED YOUR LETTERS OF XXXX/XXXX/16 AND XXXX/XXXX/16. 
Let me recap my situation and correct me if I am wrong or if your co has changed the terms of my original loan with XXXX, contrary to what I was assured, like there would be NO CHANGES, etc. to the original Loan once sold to SLS. ( sic ). 
I had an original loan and it was written that upon reaching 80 % ( LTV ) of property value of {$340000.00} ( {$270000.00} ), PMI will be cancelled, upon written request or automatically at 78 % ( {$260000.00} ). 
I wrote and taxed a few written request just before and around when 80 % threshold was being met. I called, and called. 78 % came and went by. Nobody could give me clear answers. Once or twice representatives acknowledged seeing the request but subsequently other reps denied any requests being on file. 
Some misguided representative erroneously stated that I was delinquent on my loan. This is a blatant mistruth ans SLANDER of my good name as I have never been late on my payments. They said then that they can not disprove that I was delinquent!! 
Such stalling, delaying tactics, misrepresentation, embellishments! Why? It is undue harassment, causing pain and suffering and wasting of my valuable time whilst my money is still being collected for PMI which should have been stopped once my balance reached {$270.00}, XXXX. 
I was never aware that a new appraisal had to be done. That was not my understanding, unless I wanted to claim higher value of my property to stop PMI earlier. 
In your most recent letter you sneaked a table on the back page stating that LTV must be 80 % or less based on original value. CONDITION MET. 
However, in the next column, " Based on Current Value LTV ratio must be 80 % or less if 5 years or more have elapsed since the origination Date of Mortgage or 75 % or less if 2 or more years, but less than 5 years have elapsed since the Origination Date of the Mortgage. '' THIS PARAGRAPH DOES NOT APPLY TO MY LOAN!! THERE WAS NEVER A NEED FOR APPRAISAL OR BPO. 
Why are all these new conditions being brought up for a straight forward mortgage? Or Did XXXX give me false information or promise? 
I hope this matter can be resolved IMMEDIATELY to prevent me from losing further time and money and lessening my undue pain and suffering from harassment, misrepresentation. 
Thank you. I shall be faxing this letter to you today and send hard copies to you as well as XXXX XXXX and Consumer Financial Protection Bureau. 

XXXX XXXX XXXX/XXXX/16.
XXXX XXXX, 2014 its show 30-59 days late I traded my car in to XXXX XXXX XXXX in XXXX ,2014 and they made they paid my remaining balance off late I want it removed
On XX/XX/XXXX my XXXX XXXX XXXX XXXX was totaled financed by XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact XXXX to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which XXXX XXXX was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called XXXX with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to XXXX 3 weeks later I look at my credit I have a charge off on my credit. Showing as if XXXX financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
I have reported Identy Fraud to Wells Fargo Auto numerous time I have sent them a copy of the police report and they still have it on my credit
On XX/XX/XXXX I called Wells Fargo about removing PMI. I was sent a letter with various options on removal. In this letter one of my options states : Option 2 lists I must provide proof my home has not decreased in value, have no late payments and have an appraisal done by XXXX. Once complete option 2 then states if my LTV ratio is 80 % or less, I may cancel PMI. 

On XX/XX/XXXXI received the appraisal as done at my expense by XXXX the necessary appraisal company Wells Fargo required. The appraisal letter showed my LTV ratio at 77 %. Thus not only following their letter of requirement to remove PMI of proving ration less then 80 % But this also proves and follows the same law as explained in The Homeowners Protection Act of XX/XX/XXXX. 

On XX/XX/XXXXI called Wells Fargo to have the PMI removed after completing the paperwork and information they requested. They stated a new letter was sent requiring me to pay {$4000.00} ( approx ) to remove it or hit a LTV of 75 % or less. Which conflicts with the original letter and also goes against the law of the Homeowner Protection Act of XX/XX/XXXX. They are not only practicing unfair and illegal PMI charges but are going against their own letter of information on how to remove PMI.
Purched a home in XXXX for XXXX dollars in the last part of yr XXXX i was told i had stage XXXX XXXX ( XXXX ) was taken out of the work place.fell behind on payment to the morgage co.called them asked what i should do.they offered us a paent plan.it was all good the arreages were to be put on back of note.three months go by amd we get a leyter from the bank stating we were denied. This happened XXXX differnt times.long story short, everytime after that when wed make a payment, we went farther behind.bad enought to go from XXXX incomes down to onethen this.we spent i bet XXXX dollars doing modifications.the goverment even gave me a XXXX dollar grant to cautch us up.well guess what it got lost for two yrs.all of a sudden. It shows up in our ecrow. Account next day its gone .they dont know where its or where it went.to this day no credit has been put on my account. We filed bankrupcy twicein XXXX and XXXX.they never said im sorry for the lost of your money or nothing.anyway in XXXX ( they say they forclosed on our home ) i dont know how we stayed in the home till XXXX.we moved on our own tired of messing with them.contract in XXXX for XXXX dollars moved owniing XXXX dollars on home in. XXXX and XXXX we XXXX dallar a month payments on home western union.no credit given.yes i have all receipts of payments. The forecloser is still stopping me from getting a good credit score.boy it makes me mad to think about it.please help me.
I mailed a request for validation to Asset Acceptance , LLC on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after receiving my letter and is dated XXXX/XXXX/15. Not only do they fail to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My second request for validation was mailed to Asset on XXXX/XXXX/15 and the return receipt cards indicate that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to Asset. Asset responded a second time on XXXX/XXXX/15. I am not sure how Asset was able to respond prior to their XXXX/XXXX/15 receipt of my letter. Asset 's response letter of XXXX/XXXX/15 appears to be an exact duplicate of their XXXX/XXXX/15 response and does not provide the information that I requested. Asset Acceptance , LLC is Asset Acceptance XXXX XXXX main revenue generating subsidiary XXXX By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of Encore Capital Group XXXX XXXX, et al dated XXXX/XXXX/15, Asset was has identified as having violated Sections XXXX XXXX a ) and XXXX ( a ) ( XXXX ) of the Consumer Financial Protection Act of 2010 XXXX " XXXX '' XXXX, XXXX U.S.C. XXXX XXXX a ) and XXXX ( a ) ( XXXX ) ; Sections XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of the Fair Debt Collection Practices Act ( " FDCPA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) ; Sections XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ). Under sections XXXX and XXXX of the XXXX, XXXX U.S.C. XXXX, XXXX. In this matter, it was found that Asset had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. Asset has not provided me with the charge-off balance or their method of calculating any amount in excess of this balance. I believe that Asset has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. Asset has not conducted a reasonable investigation of my dispute, despite multiple requests.
In XX/XX/XXXX I opened a XXXX account, with the hope of building my credit. I paid the {$30.00} fee and ordered 1 item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance. So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to XXXX. After the second attempt, I was given my {$30.00} enrollment fee back and closed my account. Fast Forward to XX/XX/XXXX and the harassing collection calls begin. XXXX was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department and 3-4 people over the course of 5-6 months ( beginning XX/XX/XXXX ) and they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped. The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to XXXX 's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although XXXX showed the account as closed, it still showed a {$100.00} high balance. XXXX  shows no balance, but a 30 day delinquency and not closed. XXXX shows a {$100.00} high balance and not closed. I have disputed this information with all 2 creditors and the account was " verified '' ; however, this info is incorrect. I have talked to XXXX and they claim my account was deleted on all XXXX bureaus, but as of today, it still stands.
I have written several times asking for VALIDATION and PROOF that I applied for a PAYDAY LOAN I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX XXXX XXXX  If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.
I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.
XXXX XXXX and experian have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
I previously filed the following claim : Case number : XXXX. At the conclusion of the claim, I received the attached letter from XXXX. The letter states my payment terms are for 24 months. The repayment plan began in XXXX of 2015. 
On XXXX XXXX, 2015, I received the attached letter from Great Lakes. The Great lakes letter has my monthly payment increasing, after just a few months of payments, over 240 %. With the next payment being due XXXX XXXX, 2015. 
If I call Great Lakes I am told to call XXXX. If I call XXXX I am told to call Great Lakes. 
I just received a job offer and I have to borrow money to relocate. Plus, missing a payment could damage my credit enough to cause me to lose the job offer. 

What is happening is not right. Please investigate for me. 

Thank You, XXXX
I have made several disputes for this same issue. It was resolved temporally but now the same issue is reoccurring. My Child Support payments are automatically deducted from each paycheck and yet it keeps getting reported as a missed or late payment. I have the print out from DOJ 's Child Support payment schedule showing my payments are current as of last week. Why my credit score is dropping and reflects another missed payment that is false. Equifax resolved this twice already and posted my payments as 100 % on time. now its falling back 2 months in a row to 93 %. this is inaccurate and a reoccurring issue.