WillisBack/dataset-financial-user-claim huggingface dataset:
1 ) On XX/XX/2018, after paying the Private Mortgage Insurance ( PMI ) for more than a year, I paid the new appraisal that Flagstar requests me in order to study the possibility to waive the Private Mortgage Insurance ( PMI ) 2 ) On XX/XX/2018, Flagstar told me that the appraised value was insufficient to warrant a waiver of the insurance. 
3 ) On XX/XX/XXXX, after several phone conversations with the PMI Department of Flagstar, they suggest me to DISPUTE the appraisal value. 
5 ) On XX/XX/2018, I sent to Flagstar an email with all the information that they requested me in order to dispute the appraisal value, in order to waive the Private Mortgage Insurance. ( including at least five Comparable houses sold in the last six months ) 6 ) On XX/XX/2018, after three weeks without a response, I sent a follow-up email to Flagstar. I did not receive any response 7 ) On XX/XX/2018, I spoke by phone with their PMI Department, and they assured me that I would get an answer on XX/XX/2018. They gave me the Case Number : XXXX, but I never heard back from them. 
8 ) On XX/XX/2018, I spoke with Mr. XXXX XXXX, Home Leading Area Manager of Flagstar, and I sent to him a new email. He sent me on XX/XX/2018, an email where he very kindly let me know that he escalated my case " through his management chain '' 9 ) On XX/XX/2018, I called Flagstar again and someone from the PMI Department told me that my case has not been yet resolved and that I have to wait for 3 to 4 weeks more for an answer ... 
10 ) On XX/XX/2018 I wrote an email to the Office of the President ( Flagstar ) asking for his collaboration in this case. 
11 ) On XX/XX/2018, I received an email from The Office of the President where they told me " We look forward to providing you a response within 30 business days ''. 
10 ) Until today, after more than FIFTY-TWO ( 52 ) days since XX/XX/2018, I have not received any response. 

I am not sure how many emails, phone calls, and months this company needs to answer a request from one of your clients. I am so sorry, but I am exhausted by this absurd bureaucratic system of Flagstar, and this is why I need your help. I would appreciate very much your kind consideration and valuable help in order to resolve this situation as soon as possible.
I have had 4 credit card inquires that I didn't make. National credit cards/Airlines. they are XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX.
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my report.
I am consistently encountering website errors, extremely slow page load times, and unsecure connection warnings from different browsers when attempting to make online payments towards my XXXX loan. Slow page loading prevents me from being able to manage my loan online or access the online payment center, even after returning to a loading page over an hour later. My internet connection is working and all my browsers ( XXXX ) open up other student loan websites, like XXXX XXXX XXXX, just fine. I do not want my payments being made over the phone or via mail so a working website is absolutely critical. I would like to attach a few screenshots of tonight 's payment attempt. Hopefully, you can get this New Jersey company to work on their poorly run website because customer service seems to be unreachable via phone. How does one expect to receive timely payments and high customer satisfaction from borrowers with these sort of problems?
I was recently garnished on my wage and I have no idea why. I received a letter in the mail from my employer about the garnishment and on the paper it had a case number and a company that issued the garnishment. When I called the company about it, they tried to look me up in the computer and they said they could not find any accounts for me and that they have no idea why I am being garnished. I contacted the company that handles my paycheck, and they told me to call the court house that agreed to issue the garnishment. When I called them, I got transferred to the Small Claims Department at the XXXX Court XXXX XXXX XXXX, and the woman I spoke to looked up the case number that I had and she said it had my name on it, but that was all the information she could give me. The other person that I was told to call by my payroll company, was the lawyers office that apparently handled " my case '' and I have been calling and calling and nobody answers the phone. I know that I do n't owe anyone money, and I have never had anything in collections and I have no derogatory marks on my credit.
A WAKEFIELD & ASSOCIATES Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 



That outstanding bill is not authorized by me. I am highly upset that this affects my credit score. I have never been affiliated with this company and I am a victim of fraud.
They called and we agree 'd i 'd pay  XXXX  dollars a month to pay off my debt but never told me that  XXXX  dollars of that per month would be going towards fee 's.
I have been trying for months to log into my XXXX XXXX  XXXX account through Equifax. I have been put on long holds, told by their customer service dept that the issue would be corrected, lied to over and over again. I have a log in but can not access the credit monitoring that I signed up for due to the security breach. In addition, Equifax is blocking me from accessing my credit file online. This is my second complaint through CFPB and to date nothing has been corrected. What is the point of having CFPB if you're not going to investigate the issue.
PHH Mortgage is repeatedly saying they did n't get my payments, it 's been happening since fall of last year. I mailed in a {$2700.00} in XXXX to catch up what they said I was behind and an {$850.00} check for XX/XX/XXXX 's payment. They sent back XX/XX/XXXX 's payment, which I mailed in XX/XX/XXXX. I received it back on XXXX XXXX, 2016. I called, told them they were n't getting late fees for sending it back, I copied it and remailed it within a week. I mailed XX/XX/XXXX 's payment in on XX/XX/XXXX, I mailed XX/XX/XXXX, late, on XX/XX/XXXX. The day after I mailed XX/XX/XXXX 's payment in, I received XX/XX/XXXX 's back again, saying that it did n't cover what was owed. XXXX XXXX, 2016, I mailed a check for {$3600.00}, covering all of XX/XX/XXXX through XX/XX/XXXX, less late fees since I have sent in the payments. As of today, they are claiming, AGAIN, that they did n't receive the check. I have tried contacting them via email about the check, I was told to call collections and make payment arrangements. I have paid! They are destroying my credit with their poor handling of their business. I can believe that MAYBE one payment does n't make it, but several? I am fed up!!!!! I tried to make a one time payment online today, it would n't let me. I get the run around. I think they are taking advantage of a XXXX, I am almost XXXX years old and have a VA loan.
I enrolled ( and have since unenrolled ) in electronic statements from Amazon'sSynchrony Bank system. I thought I read everything carefully, but nowherenoticed that I would not be seeing my individual transactions listed -- just thedollar amount of those transactions. Now it is true that one could go back andresearch all of the monthly transactions, but that 's like reinventing the wheel. 
Is this format truly acceptable? Paper statements do include individualtransactions and I do not understand why since both are managed by the samecompany they should not be identical. Thanks for any consideration you canget to help me understand this issue.
Target opened a red card ( credit card ) in my name without proper authorization. It was a fraudulent activity.
I set up auto pay on my credit card and it did not go through so now they say I'm 67 days delinquent. I paid the next two payments in advance now and they reported me late to the credit bureau. I want the late reporting removed as was the first late payment I ed ser have had.
I recently sold an item on XXXX which requires a paypal account to do. On XXXX XXXX paypal closed my account and informed me I would n't be able to send or receive any payments on that account. On XXXX XXXX the item on XXXX  sold and the buyer paid and paypal accepted the payment into my account even though it was n't supposed to. They then proceeded to tell me that because my account was closed they were going to hold my money for 6 months before they would let me have it. Today XXXX XXXX I was able get a supervisor to agree to let me transfer my money to my bank account I had linked to my paypal. I tried several times to transfer it but the system would n't let me so I called them again and the agent then said that I would n't be able to transfer the money because they reviewed and closed my account today and were going to hold the money for 180 days. I told them that the account was closed on the XXXX and I the supervisor named XXXX had lifted the limitiation and i was supposed to be able to. She said according to her records the closure was from today and nothing would or could be done. I then referenced the email from them at XXXX XXXX saying I could transfer my money out. She would n't listen i then referenced their own user policy which stated that an account owner would be given an opportunity to transfer out any funds before they closed it. She did n't care. The money should have never been allowed to go into the account to begin with and they new that that 's why they pretended to let me transfer the money out only to a few minutes later re block it. So they could then claim the closure came after the f Money was added and could then keep my money for 6 months.
I have contacted Experian and XXXX several times about an on going issue, Experian and XXXX XXXX continues to update and report a 125 % utilization on a 2 year old XXXX  XXXX charged-off in the amount of {$2000.00} that is alleged to belongs to me. 


I have spoke with Experian about this issue over the phone, they refuse to investigate. I noticed XXXX XXXX is an original creditor who sold that account to a collection agency, in 2016, but continues to update a balance of {$2000.00} and a 125 % utilization to prevent me from applying for loans. 

Experian is in clear violation of the Federal Credit Reporting act and continues to report information they know that is inaccurate.
Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.
I have overnighted on my account a cashiers check for XXXX I also listed instructions on how it should be applied and the fees I am disputing due the incompetence of BSI. They were charging fees with no explanation. Claiming I owed XXXX which I did not and my account should be fully reinstated which it is not as well as of yet. The check was signed for on XXXX/XXXX/16 and I requested my SPOC XXXX XXXX contact me and he has not. There should be XXXX lawyer fees as I appealed the loan mod denial and they claimed I did not and illegally filed a NOD violating CHBOR. Stated I had excessive obligations yet I was able to pay this did not offer any other options and were not thorough on how they are handling things. These violations have been taken to attorney. BSI is illegally handling loans and I have been proving it. Everything is also now being sent to FDIC as well as copies of cashiers checks to XXXX whom they claim I owed nonsense money too. XXXX actually owes me for excessive forced place insurance which was proven in lawsuit already. BSI needs to rescind the NOD immediately and have yet to do so. I am attaching copies of check and letter.
ARA has called me numerous times harrassing me about an alleged debt they claim dates back to XX/XX/XXXX. They are hostile and rude and have hung up on me each time I ask for more information. During one instance, the person informed me that they already have a judgment against me for the alleged debt. Shocked to hear this, I asked to speak to the attorney and for the attorney 's information she said " I will note that you refuse to cooperate '' and then hung up on me. 

Another person, XXXX XXXX with ARA called again today XX/XX/XXXX and told a different story. she said that they have " requested '' a petition for judgment. I asked for details and to speak with the attorney and she refused. She told me she would let me speak with the paralegal, XXXX XXXX. After being placed on hold, XXXX XXXX rudely said she was the account manager and she was XXXX XXXX ' boss. She asked me " what did I want. '' This is odd considering they called me and that XXXX XXXX is supposedly a paralegal and should report to the attorney not to an account manager. When I asked to speak with the attorney, for the attorney 's phone number, and for his bar number, she sarcastically said " his bar number? Bye '' and proceeded to hang up on me. 

These are only a few examples of the phone calls I continue to recieve. Each time I ask for details I get the run around and then they hang up on me.
This company opened an account with my name saying I needed to pay them {$120.00} dollars or they would hurt my credit report ( after a couple of hours and phone calls they removed the balance because of the mixup ). They seemed to have mixed me up with my father ( who has the same first and last name, but different social security #, address, and middle name ). I never confirmed my identification to them ( they have the recorded call ) but told me I owed them money, somehow had access to my social security # ( even thought I never confirmed with them that that was my social security number ) and when I asked for their license number he refused to tell me over the phone. They also pulled my address information. I am disturbed that they have all of my information and did not provide me with their information. I am also disturbed that they mixed me up with my father who is almost 3 times my age, lives in a different state than I do, and is not me. I called to file a complaint and they hung up on me multiple times. I would hope they are investigated for their legal practices and that I can have my information removed from their system. ( Mainly providing my father 's medical information to me without his consent, not furnishing their license number, not confirming my identification and still giving out personal information to me ). They were very rude during the phone call and said this would negatively affect my credit report. I was able to resolve the actual debt by calling the medical office and my father who was able to clear up the misunderstanding, but the threatening of my credit report, not furnishing a license number, somehow gaining access to my social security number, and not confirming my identity and then giving me personal information does not seem right
I am an XXXX XXXX military member who got orders to move to XXXX from XXXX. At that time over 2 years ago I requested a short-sale as I was unable to pay for the mortgage. I was told on several occasions that my account was not eligible for a short sale and they constantly threatened foreclosure. Over a year later I found out from my command that not only was I eligible for a short sale due to my PCS orders to move it would be an easy process. I again reached out to Citimortgage and argued this point at that time they agreed that I was eligible for the shortsale, Since then it was approved. I had a buyer for the amount that they requested. Later i found out that the decided to changed the amount. I lost that buyer not at a higher price of XXXX, they are not asking for more documentation like I need to reapply for the shortfall. This is overwhelming. I am a military XXXX XXXX and my wife is dealing with severe health problems.
I applied for an XXXX XXXX card through Elan Financial. They had been soliciting me for months, so I decided to apply for the card. I was declined for the card through Elan and was notified when I called that the card was declined due to my prior 2008 bankruptcy. 
The underwriter noticed that the bankruptcy had been so long ago that he concluded that he would resubmit the card for manual underwriting and suggested I call back in 2 days. 
When I phoned back to gain knowledge of the result of the card decision. I was speaking with XXXX at ext XXXX and she shared information and spoke to me in a way I had never been discriminated in before. XXXX instead of just sharing the final decision went on to inform me that the decision was based on the outstanding balances on other cards and primarily my bankruptcy. She went on to share with me that based on her looking at my credit profile it was clear that I was well on my way to my second bankruptcy. This way of approaching customers is not an example of fair lending nor is it appropriate for any company to speak in ways that place judgment or wound there applicants. I clearly felt discriminated against and felt Elan Financial spoke and clearly attacked my character. I have not been able to ignore the clear attack on my character and the discrimination on me as a person.
On XX/XX/XXXX, I received a call from Navient claiming that I did not make my XX/XX/XXXX payment. I pay my student loan bill EVERY MONTH between the XXXX and the XXXX of the month, and have not missed a payment since I began my payback in XXXX. I sent them a copy of my bank statement to prove that I did, indeed, make this payment, and I was told they would get back to me. I then got another call more than a week later claiming that I also did not make my XXXX payment ( which was sent by my bank on XX/XX/XXXX ). After calling AND emailing them my proof of payments, they came back by saying they were going to investigate what happened to my payment. It turns out that the XXXX payment ended up being applied to my daughter 's student loan ; however, it was not the loan that I co-signed for her. It was ANOTHER of her loans that did not even have my name affiliated with it. While they retroactively applied the payment to my XXXX bill, they are still claiming I never paid in XX/XX/XXXX. In the midst of this issue, Navient sent me a XXXX payment history, which I checked against my bank statements. I discovered that I was never credited for my XX/XX/XXXX payment at all. I sent them proof of payment and asked why they never claimed that I was late for XXXX. I would have sent the proof back then if they had made that claim. Instead, they took my money and did not credit me at all. So out of the past four months, this has been the issue : XXXX they were paid, yet I was not credited ( sent proof of payment ) XXXX no issues XXXX claimed I did not pay ; they had credited it to one of my daughter 's loans and not mine XXXX claimed I did not pay and have not corrected the error as of yet. 
I am going to have to go back to XXXX to double check each and every payment to see whether or not I was credited accordingly.
I had recently submitted a dispute with CFPB for Equifax, for a dispute into my credit reporting. As stated before in my previous dispute, I had paid off my XXXX XXXX account, ending on XXXX. The account was previously charged off.profit and loss. I contacted XXXX XXXX, and was offered a settlement amount, but I declined the settlement amount, but I waned to PAY IN FULL and have the account DELETED from my report, as I am trying to purchase a home. My account manager at XXXX informed me that once the account has been paid in full, that I can contact there credit dispute department to have it removed. I have been given the run arounds at trying to get this account removed from my report, even after I have paid it Full, as of XX/XX/XXXX. As I did investigation, I see that I should have got the pay to delete in writing, but it was verbal over the phone. As for the previous dispute with equifax, that simple responded as said that all my personal information as been verified. I was not disputing my personal information. I was disputing the XXXX XXXX item not been REMOVED from my credit report. The status that was updated is " PAID COLLECTIONS '' that was not what I agreed to when I made the arrangement to pay in FULL,. I verbally agreed to have the item removed. Can an investigation been looked into to having this item removed from my report permanently., as I have fulfilled my agreement with XXXX and has PAID this debt in Full.
In accordance to FCRA Section 609, this accounts was further disputed in XX/XX/XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and this accounts to all 3 credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. The account needs to be removed. I will also be filing a complaint with the Attorney General as it is within my rights
I have made several request for verification of accuracy with Transunion and they have not complied. Per the FCRA 611 ( a ) ( 7 ) : " A consumer reporting agency shall provide the consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description. '' I have sent several letters requesting the following : 1. The name of the courthouse 2. The person 's name the disputed item was verified with 3. The address and telephone number of the person 's disputed item was verified with 4. Documentation used to verify the dispute.

I have never received any of the requested information per my FCRA 611 ( a ) ( 7 ) rights. The disputed item was also deleted/removed and then reinserted after the dispute was completed. I am requesting proper verification methods outside of the XXXX system used ; XXXX   court system ( this system is often incorrect ). I have called the courthouse several times to ask for their method of verification and I was told that they do not and will not verify any consumer information.
My mortgage was sold from first mortgage to freedom mortgage without my knowledge. I was finally made aware of the change after trying to access my online account with first mortage to make a payment with no avail. I spoke to a representative whom informed me of the changes, and I promptly contacted freedom mortgage. They said they had sent me information, however it was never received because the info was sent to the wrong address. The representative took my new mailng information down, and informed me that I had a 60 day grace period to pay my mortgage. Today less than 30 days later I received a letter from first mortage stating that I was 30 days late on my mortgage, and the information had been sent to the credit agencies. I am trying to avoid a ding to my ( and my co-signers ) credit, due to misinformation provided by my new mortgage company. As well my home is for sale, and will be closing by XXXX XXXX. After speaking with a representative last week, he was made aware of the circumstance, and never made mention of the negative effects that could occurs if I did n't pay. After that conversation I was still under the impression that the 60 day grace period was still in effect and that my credit was still to remain in good standings.