WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. 

I read in your website it should be automatically drop when it is 78 % loan to value. 
I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. 
thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER XXXX
Since Hurricane Irma the bank has not allowed me to make payments through the internet because they said they gave me three months without paying to help according to them, ( which did not help me in anything but quite the opposite ), but in this month I have to pay the full three months and I call the day XXXX of this month of XXXX, when I collect my pension, to pay everything and they transferred me to another Dept. where they left me waiting for an hour on the phone and they did not answer me. That same day I sent a check for the amount of {$3000.00} and today XX/XX/XXXX they had not received it according to them, I am worried that they will not charge me for late payment. I explained it to the person who attended me today and I answered that there are too many people who call and that is the reason that they did not attend to me. But I do not understand why they turned off payments online and they did not allow me to pay even if I called several times, because I was worried. I will appreciate your help greatly, I am an elderly person and this situation makes me very anxious and sick.
On/about XX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.
I do not open a credit card or anything else in the name of XXXX XXXX XXXX. I want this removed from my credit information. Please investigate and see who opened that fraud
Ive spoken with XXXX XXXX several of times in regards to an account with XXXX XXXX that doesnt belong to me. The name on the account is different than mine and Ive sent over information to them previously advising that the last name on the account isnt mine nor have I ever had the last name of XXXX. They were supposed to remove this incorrect information off my credit a year ago and its still reporting. I do know that they are in violation of my rights per FDCPA. I am now at the point of hiring an attorney and filing a lawsuit for wrongfully reporting inaccurate information that doesnt belong to me, and theyve been giving information proving that. They have 30 days to resolve or I will be pursing with filing suit.
Misled on credit terms ; paypal credit advertises special financing but makes no mention of it 's applicable time frames and whether or not it 's applicable to a current purchase.
Something showed on my credit report that has to be a mistake. XXXX XXXX XXXX says I owe money but I have n't been to the doctors in years. Why would something just no come up? My name is common so they may have me mixed up with someone with my same name. This has to be wrong.Please help me
I have completely paid off a retail account that was for a piano with Synchrony Bank XX/XX/2016. However Synchrony continues to report this bill as 90 days late with a balance remaining of {$1000.00}. This account has been paid down and off from an original balance of {$20000.00}. I have even received the paid off retail contract from Synchrony and release of lien on the XXXX Piano, but Synchrony is not reporting this to any of the credit bureaus.
XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.
In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder sinceXX/XX/XXXX The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and XXXX XXXX never once called to alert that the account was past due. Instead, XXXX XXXX has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XXXX ) shows a {$64.00} past due balance.
Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal debt
I tried to sign up with XXXX in order to better manage my funds, and I was told that my bank was blocking me from allowing this to happen.
Two years ago another collection company tried to a debt from XXXX XXXX XXXX XXXX. 
I had no knowledge of this debt so I requested validation. They were unable to validate the debt and prove it to be mine. They removed the reporting in the entirely. The debl alleged went back to XXXX so Statute of limitation would have expired. 

Now it appears that this debt was sold to Simm Associates who has illegally aged the debt to XX/XX/XXXX. They too have failed to validate the debt has not removed the reporting to XXXX  and XXXX.
I am on XXXX medicaid- this charge was covered and was reported to the clinic and to the collection agency that it needed to be billed- since they did n't bill in a timely manner before the 1 year it is not my responsibility to pay this for their error.
XXXX/XXXX/XXXX XXXX # XXXX I called Mercedes Benz Financial and spoke with XXXX on XXXX/XXXX/XXXX and let him know that there was an error on our account regarding a payment not showing as received. XXXX gave me the run around and denied me to speak to a XXXX when I asked. He told me he would call me back on Thurs XXXX/XXXX/XXXX which XXXX never did. I told him that was unacceptable that XXXX was in receipt of my payment and cashed the check on XXXX/XXXX/XXXX. He said that XXXX would have to locate the missing check. I offered to send him documentation proving the check had been cashed and he said that was not necessary that XXXX needed to find the check. The check is and was never missing they cashed it on XXXX/XXXX/XXXX. I called to follow up and spoke to XXXX on XXXX/XXXX/XXXX and got the same run around that it would take days to locate the missing check. XXXX called and left me a VM on XXXX so I called back and spoke to XXXX who told me that XXXX changed banks and that is the issue and it will take days to research. I do not believe this story as all three of my checks since the inception of this lease on XXXX/XXXX/XXXX have all been cashed by the same bank and I sent XXXX the cancelled checks to prove it. 

I overnighter to them a copy of the original lease signed XXXX/XXXX/XXXX XXXX payment was paid for with XXXX XXXX for XXXX/XXXX/XXXX payment. The XXXX/XXXX/XXXX payment cancelled check, XXXX payment cancelled check and XXXX payment cancelled check. The account is currently due for XXXX/XXXX/XXXX and I enclosed my new payment to them. I also included bank printouts showing all funds clearing my account for all payments. I
We have been hooked into a mortgage scam. Wells Fargo Home Mortgage holds our mortgage. We have had a financial setback that has us working with their specialists. During this process they have allowed ALL of our personal financial information to be released to a scammer. We were contacted by a " XXXX XXXX  '' calling on a Wells Fargo number ( XXXX ) who told us that they were with underwriting and that we had been accepted for modification however we needed to immediately replenish our escrow account with a very specific {$1300.00}. They wanted it sent either by XXXX XXXX or XXXX immediately to a " XXXX XXXX XXXX '' supposedly a Wells Fargo attorney in XXXX. I also had to call back XXXX at XXXX. Some red flags were going up so I grilled him -- he had ALL of our personal information -- my wife 's full name, our social security numbers, loan amounts, addresses, etc. When I questioned why I was calling XXXX to send money to XXXX, he asked if I wanted him to call back on the Wells Fargo XXXX  number -- I said yes and he did.

Wells Fargo has negligently allowed all of our personal data to be acquired by these scammers. None of what they were saying was true.
Equifax, one of the three main credit reporting agencies in the United States, has reason to believe that my personal information, including date of birth, Social Security Number, and other personal, sensitive information, was accessed without my consent due to a security breach. Myself, along with hundreds of millions of other consumers have had their information stolen from one of the nations, to-be-trusted agencies, responsible for accessing and storing this information. 

Please ensure that ALL those affected, including myself, are protected from this point foward, by ensuring Equifax will not have a breach of this size again. CFPB, please help America with this breach, and ensure all consumers that this will not happen again. Furthermore, ensure that Equifax will reasonably and realistically compensate those who were affected in this breach.
CFPB complaint number XXXX-XXXX  was not properly resolved.

Original complaint : I processed a automatic payment on XX/XX/XXXX for my XX/XX/XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XX/XX/XXXX mortgage payment a second time on XX/XX/XXXX. I then confirmed that my bank made the XX/XX/XXXX payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/XXXX. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.

Since the time of that response, I received a call from XXXX XXXX at NATIONSTAR MORTGAGE ( dba Mr Cooper ) on XX/XX/XXXX indicating that the payment/refund has not been initiated.
I sent Equifax a letter fro removal of dispute of XXXX inquiries made by XXXX. My claim number with equifax is # XXXX 
I sent them copy of the letter from XXXX that they are requesting Equifax to removal INQUIRIES. 
I also sent Equifax a letter requesting the same thing with copy of the letter from XXXX. But they still " inquiries are a matter of record of all companies that have accessed your credit file '' I will have the inquiries on my file. 
my ssn # XXXX XXXX
I paid a settlement to XXXX collection agencies, which has been paid. Was told that after payment is made, that both agencies would contact all XXXX credit bureaus and that the collections would be removed from my credit report. As of XX/XX/2017, these credit agencies are still being shown on my report.
I was a home buyer that entered into a contract to purchase a home. The contract included an earnest money deposit of {$5000.00}, and was contingent on financing. I was a small business owner and worked with Network Capital ( NC ) because they told me that the age of my business would not be a problem. After I discussed my business with XXXX of NC I sent a follow-up email on XX/XX/2015 that confirmed the conversation. 

The lender proceeded to charge me for an appraisal fee of {$410.00} and in addition I paid for a home inspection fee of {$470.00} and surveying fee. The lender did not share that there were any issues with the loan until the day of closing, XX/XX/XXXX. NC surprisingly denied the loan on the day of closing because I was a small business owner and the bank was not comfortable with the age of my business ( about 1.8 years old at the time ). I also wish to add that I had excellent credit, 20 % down and no debt. I complained to the lender because the age of my company was not new information, and they even pre-approved the loan knowing this information. NC reviewed my application again and denied the loan a second time for the same reason. 

I have spent the last year pursing the sellers for my earnest money, which I did get back after a trial.
3 things : # 1- I called Synchrony Financial ( aka Care Credit ) on XXXX/XXXX/2016 to make an allocated payment to a deferred interest charge due in XXXX for {$110.00}. The agent I spoke to said he completed the allocation successfully. He did not. When I called today, XXXX/XXXX/2016 I was told that my closing statement occurred on the XXXX so the allocation did not go through. There was no notification to me. 
# 2 - In speaking with the agent today I found out that any amount charged under {$200.00} shows up on the statement once only and after that, it does not show up nor is it visible anywhere on line. These amounts accrue 26.9 % interest. This seems extremely deceptive to me. I am on top of my account with them, I always take care of deferred interest charges on time but if there is an amount under {$200.00} that is not showing up anywhere on my online account or statement that is accruing 26.9 % interest behind the scenes it seems intentionally deceptive to leave that amount invisible to the consumer. My request is that they be required to show the interest accruing amounts under {$200.00} just like they show every other transaction activity so the consumer can accurately see what they are being charged. Seems like common sense unless you are trying to defraud people or like the mortgage companies did or if you are purposefully intending to entrap people. 
# 3 - I have called Synchrony Financial/Care Credit periodically for information over the years I have been a customer. I have been given so much misinformation over the years that again, seems deceptive. When I called on XXXX/XXXX/2016 and was told the allocation was successful and it was n't and there was no notification to me, that same agent told me that the minimums due that show on my statements are generated to pay off the balance due in the time frame it is due. He said ( quote ) " people think that if they pay more that their balance will go down but it does n't. You can pay more but the minimum will pay it off in the time due. '' I suggest that you get the recording of that call. I ca n't tell you how many times I have been given incorrect information like this. Please do something about this company - they are taking advantage of people who are at the bottom of the credit totem pole.
For several months I stopped receiving statements from my Wells Fargo credit card. Then in XXXX, I received a statement that was forwarded from another address in Texas. On the statement were two charges on XXXX XXXX in the amount of XXXX and XXXX from a XXXX XXXX in XXXX XXXX. I have not been to XXXX XXXX in several years. I called Wells Fargo on XXXX XXXX who put me through a rigors process of proving my identity and canceling the account. They reissued a new card, but I refused to activate unless these charges were reversed. After receiving other statements still showing a overdrawn balance with fees, and being notified that my credit score dropped to the lower 600s, I contacted Wells Fargo again on XXXX. I was told that the fraud complaint was closed and no fraudulent charges were ever identified. The representative said he would try to reopen the investigation but could not promise anything. After all of the news about the corruption within Well Fargo, I  want to see if filing a complaint with CFPB would be of any help.
I bought one of my relatives to US Bank to put my mothers name on my account but when I got their they told her NO we can not open or add your name to the account I told them why and they said that she was reported to XXXX XXXX and when I called them she had a clean history and we came back the next day they still refused to add my mother to my account which I own and make it easier so when I am in XXXX  she can access the funds like how joint account works
I have sent many dispute letters to XXXX and Experian in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
To whom it may concern : I have check my credit report and I have found an inconsistency on My credit file, inquiries on XX/XX/XXXX from XXXX XXXX ; XXXX XXXX DEALER S ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ), please verify these items by providing sufficient documentation showing that they belong to me, please provide original application with my signature on. According to the section 609 of the FCRA you have to provide one hundred percent accurate and one humdred percent verifiable information or you have to immediately remove this entry from my file. Be aware that law specify {$1000.00} per unverified item on a consumer credit file. 
Thank you in advance for you quick responds.
On  XXXX   XXXX     2017 i recieved a email from TrueAccord. They state that  i owe a balance with  XXXX . The email was written in such a manner has to convince me that they will threaten me both physically and try to ruin my reputation. They stated they would use any means available to collect the money they say is owed.
This has to do with XXXX collection agencies. Diversified, XXXX, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called Diversified several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to google it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the XXXX XXXX XXXX XXXX to XXXX ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
Dear Sir, My Name is XXXX XXXX XXXX, I have Saving and Checking Account in Well fargo for more than 15y, Also I heave safe Deposit Box ACC # ending XXXX joint with My Mom. 
One XX/XX/XXXX, I received letter from Wellfargo saying, they want to close our safe deposit box. 
I call main customer office, they dont know why and ask me to call local office. 
Local office have no answer and ask me to call customer office, both of each time I have to with more than 45min and I talk manager from branch, supervisor from Customer Service. 

I feel that they want to take away Our Safe Deposit box for any perticular Reason. 
I feel that hey are Discriminate again people dont speek much in English. 

Wellfargo Card # end in XXXX Soc # end in XXXX
I filed a fraud claim for a {$200.00} charge listed as " XXXX XXXX XXXX XXXX '' on Friday, XXXX XXXX, 2016. This transaction was done without my permission, and I have never done business with or heard of this company. I was told by the fraud representative that the provisional credit would be issued between 7 to 10 business days, because it was not a pin based transaction ( pin transactions take longer to process since someone else has your pin number ; signature transactions only take 7-10 business days ). 
I called in to the fraud department on Wednesday, XXXX XXXX for a status update. According to the representative, there was no case processor assigned to my fraud claim yet, and no provisional credit was issued. The representative stated that she put in a request to have a supervisor in the " claims processing '' department call me back ; no one called back. 
I called again on Friday, XXXX XXXX for another status update, but was told that the " claims processing '' department may short staffed due to the Holiday weekend ( good for them, but horrible for me because I have nothing in my account due to some card hackers ). I was told by an escalations representative XXXX M ( located in XXXX XXXX, Kansas ) that she would not be able to transfer me to " claims processing '' and that there was no supervisor above her that I could speak to regarding the issue ( even though the previous escalations reps that I spoke to told me to just call in after XXXX to be transferred to that department ). Nothing was resolved and it was the 10th business day. 
I called again this morning, Saturday, XXXX XXXX, and spoke to another representative that gave me the " claims processing '' department 's phone number and advised me to call in on Monday. 
Because of US Bank 's laziness regarding my fraud claim, it is now the holiday weekend and I have no money in my account. This is unacceptable. A thief used my debit card number fraudulently, and I am the one being punished for this. I can not even afford to pay my half towards the rent on XXXX XXXX, because the funds have not yet been returned. 
There needs to be some form on recourse for this ; I was lied to by XXXX XXXX in XXXX XXXX, Kansas regarding speaking to her supervisor and/or the " claims processing '' department, and was told that no one was above her and that " claims processing '' does not have a direct phone number.