WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/18 : Closed on our new construction home with XXXX XXXX XXXX, XXXX XXXX, GA. We were told during the closing that we would be able to pay down the principle on the loan to eliminate the Private Mortgage Insurance. We were in the process of selling a home and did not have the required down payment. Our intention to pay down the mortgage and elminimate the PMI was well known and discussed with our mortgage broker XXXX XXXX and the closing attorney. 

Mortgage was subsequently sold to Nationstar Mortgage LLC ( DBA Mr. Cooper ) XX/XX/2018 : Sent two checks to Mr. Cooper with our monthly coupon. One check for the normal monthly payment and a second for {$90000.00} marked for Principle Payment Only. The coupon was also notated for normal payment and the additional {$90000.00} Princliple Payment. 

XX/XX/18 : Called Mr. Cooper and spoke to XXXX XXXX about cancelling PMI. I asked if the original appraisal on the new construction home was sufficient as per the stipulations on the PMI disclosure I signed at closing. I was told no and provided additional stipulations that were not part of my original disclosure. I asked to be transferred to XXXX XXXX 's supervisor who continued down the same path. I then asked to speak to someone in the PMI department and was told they were not in at that time. 

XX/XX/18 : Spoke with customer service rep XXXX # XXXX from Kansas who informed me that my {$90000.00} Principle payment was incorrectly applied. The next monthly payment was subtracted from the principle payment prior to crediting the remainder to Principle. XXXX confirmed that he had made an adjustment in the system to properly apply {$90000.00} to Principle and advised me to make my next regularly scheduled payment. 

I asked to be transferred to the PMI Department and XXXX answered the phone. I stated everything that I previously stated during my original call on XX/XX/18 and was again told about criteria that was not on my PMI disclosure from closing. I asked where the additional critera was coming from and was told that I could find the answer in the Homeowner Protection Act. I read XXXX the criteria on the PMI disclosure : 1 ) Submit request ( she never provided an address ), 2 ) Good payment history, 3 ) Current on payments and 4 ) Evidence the value of the property had not decreased. I asked if the original appraisal on the home ( from XX/XX/XXXX ) would be valid and was told " I don't see why not ''. I was told the paperwork would be processed and that my loan to value was 74.18 % which is under the Borrower Requested Cancellation of PMI requirement of 80 % AND the Automatic Termination of PMI. 

XX/XX/18 : After noticing the error in applying my Principle payment had not been corrected on my next statement I called the PMI Deaprtment again and spoke to XXXX XXXX at x XXXX. I repeated the entire story and kept referencing my PMI disclosure but was told request to cancel my PMI was not put through. I was told that XXXX XXXX his supervisor would contact me on XX/XX/18. I have not heard from her or anyone from Mr. Cooper.
I used my Citi Bank Credit card for a charge to XXXX XXXX XXXX XXXX/XXXX/2016 for a vacation package. The cost was {$4000.00} and I put {$2000.00} on my creidt card for a downpayment. The vacation club office person gave me a flash drive with all the signed documents and refused to give me a written copy of the agreement. I did in fact go back to the motel and tryed several differant times to open the flash drive with out any sucess. I called the XXXX on XXXX/XXXX/2016 to inform them I want to cancel my contract right now and a full refund issued to my credit card. The lady repersentive assured me she was going to cancel my membership and a refund would be issued. On XXXX/XXXX/2016 a lady from the XXXX XXXX called me and I explained to her I canceled my membership the day before cause I decided to do so, she said I see here on the computer where you membership is canceled and a refund of {$2000.00} has been issued. I have been in contact with my Credit card company CITI Card and they have refused my charge back claim. I am demanding a full refund of {$2000.00} be put back on my card plus anyother charges and interest CITI Card has charged me for XXXX XXXX XXXX.
To whom it may concern, Im a victim of Identify theft. The theft took place in XX/XX/2014 and Im still dealing with it 4 years later. Ive reached out to Equifax on several occasion and sent them all requested documents supporting the fact of this ID theft. To this date Equifax hasnt block theses accounts from reporting to my credit. When I contacted the creditors directly they state they have no record of me being in their system and there should be nothing reporting to Equifax in regard to me or an account with them. Equifax has provided me with several dispute confirmation that link to nothing being investigated or removed. Im just requesting Equifax follow the law and block this information.
I am responding to the letter from Resurgent Capital Services dated XX/XX/XXXX. This was attached as a response to a complaint created with CFPB. In this letter, Resurgent Capital Services, states that their records indicate that I submitted a fax dated XX/XX/XXXX requesting that their office cease communication. I did not create nor send their office any fax. The fax that they attached to their response is fraudulent. It does not bear my signature and appears to have been created as some type of word document. It also bears the number of XXXX, which is located in XXXX, Georgia. I do not and have never resided in XXXX, Georgia. Resurgent Capital Services fraudulently created that letter/fax. My correspondence with their office has only been via letter with my signature, most of which were sent certified, as well as through Consumer Financial Protection Bureau. In addition to this, my correspondence has never included a request to cease and desist, but has been requests for debt validation that their office failed to provide. In their letter, it states that, Resurgent takes its customer service and consumer protection obligations very seriously Clearly it does not as their office has created a fraudulent document to justify their collection attempts on this account.
I 've spoken to XXXX with Honor finance on several occasions about violating my privacy by choosing to send threatening messages regarding the repossession of my vehicle. I 've asked her to either leave a voicemail message or even send via email. But she refuses to listen and continuously have sent messages stating my vehicle is up for repossession via text message. Now if my phone is lying around anyone is able to see these messages when they come though.
I was contacted by Chase regarding suspicious charges on my checking account. After verifying that the charges were fraudulent, Chase automatically cancelled my debit card. The associate told me that, due to recent policy changes, I could not obtain a new debit card at a branch because I opened the account ( 3 yrs ago ) with my home state driver 's license but I have since obtained a driver 's license in my current state of residence. Per their new policy, the ID # has to match the ID used to open the account and I could not have submitted my new ID for record even if I wanted to. Even though the address on my new license matches the address that has been on file at Chase for 1.5 yrs., it was not enough to prove my identity. The associate told me that it would take 3-5 business days to receive my new card and did not offer to rush ship the card or make any accommodations. It has since been more than a week and I do not have a debit card. I have spoken to XXXX different Chase representatives ( XXXX at call centers, XXXX at branches ) who have all told me different things resulting in an enormous waste of time and unnecessary time spent at the branch. They cancelled the original card and have NOW requested a rushed card but, in the meantime, I am unable to pay many bills that only accept cards and not checking account information. I may lose promotional rates at gyms, entertainment services, and utilities. Other than this financial risk, I think this is problematic for other reasons. First, Chase told me that there is no way to proactively update my identification materials after an account is open, even though moving and obtaining new IDs is very common. I ca n't put this ID on file to help prevent this hassle in the future. Second, they did nothing to proactively problem solve around this until it had already been a week without a card ( they finally offered to rush the card ). Finally, it is clear that the balance between access and security is very much skewed since I ca n't access a new card regardless of the identification I provide. Obviously it would keep everyone 's assets safest if NOBODY can access the funds but that would totally defeat the purpose of a checking account. This policy COMPLETELY disadvantages the consumer and only recognizes the needs of the financial institution.
Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord.
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry initiated XXXX PNC BANK on XXXX XXXX. I did not authorize employees of PNC BANK to review my credit report at any time. This action is in clear violation of my FRCA and Privacy Rights. I have requested that PNC BANK provide me with any documentation to validate this inquiry within 5 business days and they have failed to do so. I am requesting that PNC BANK contact XXXX and/or All credit reporting Agencies to permanently delete this adverse information from my profile.
I mailed my mortgage payment to PennyMac Loan Services on XXXX XXXX, XXXX ( I have proof of doing so ), but my payment was not credited to my account until XXXX XXXX, XXXX, the day after the payment is considered late. PennyMac has in the past credited my payment later than the day that it was received. I know this because I have sent some past payments by certified mail and I saw that, on occasion, PennyMac did not provide a credit to my account on the day the payment was received. 
This is not the first time that I have filed a formal complaint against PennyMac with CFPB regarding this same issue. I also filed a complaint on XXXX XXXX, XXXX. On that occasion, I had mailed my payment to PennyMac on XXXX XXXX, XXXX, and PennyMac did not credit it until the day that I filed the complaint on XXXX XXXX, XXXX. 
At this point, I think that this is a pattern of behavior for PennyMac. When I called PennyMac yesterday to complain about my payment being credited late, they immediately started encouraging me to pay my mortgage in other ways ( such as electronic payments ). My impression is that they would rather I use another method to make my payments instead of mailing in a check every month. 
This would all appear to be extremely unscrupulous. At this point, I want PennyMac to sell my loan to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late mortgage payment and it is a pain in the neck to have to take extra measures to be able to prove that I mailed in my mortgage payment on time every month. 
On this occasion, PennyMac did not credit my payment to my account until 12 days after I mailed it, then they charged a late fee to my account. When I asked the customer service representative why they did not credit my account in a timely fashion, she said the same thing that they said 2 years ago : We had bad weather across the country and it held up the mail. She even said that they had trouble getting to their lockbox even though it is in XXXX, Texas. 
The bottom line is that this is the second time that I have submitted a formal complaint to CFPB about this practice at PennyMac. It is a heavy burden to write a large check every month for my mortgage and not know whether I will receive the credit that I am supposed to receive under law. At this point, it is clear that this is not an isolated incident with PennyMac. I will enclose an official Certificate of Mailing from the U.S. Postal Service showing that I mailed my payment on XXXX XXXX, XXXX, as I previously stated. 
It is completely unreasonable that PennyMac credited my payment a full 12 days after I mailed it. Whenever I have sent my payment using Certified Mail, it usually arrives at PennyMac in 3 days. Occasionally, it takes 4 days but never more than that. It is obvious that PennyMac has not credited my account in a timely manner and this is the second time that this has happened. This is a pattern and they should sell my loan to a company that will credit my account on the day that they receive the payment as is required by law.
Received your second letter and am not surprised to find no new information to support your allegation of my debt. 
Therefore let me re-state the situation. I have always paid for my XXXX XXXX XXXX purchases by cash, check or my credit card, never a credit card issued by XXXX XXXX for XXXX XXXX XXXX. 
The XXXX letter you enclosed is incorrect stating my address. I have never lived there. Wonder what else is incorrect. 
The XXXX XXXX number as said before was never requested, therefore is not valid. Until a responsible third party provides proof that card number was requested, issued and used, there is no additional discussion. 
Given XXXX recent FDIC consent agreement or XXXX XXXX XXXX customers reputation, either is suspect of misdeeds. The recent XXXX XXXX situation validates those possibilities.
XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
I got behind on my payments and have n't had a chance to get caught up but they continue to call over and over. I ca n't answer and reason with them because they do n't want to hear what I have to say and if they are offered a XXXX dollar payment it is n't good enough. I was going to pay twards my account but my wife had to use all the money we had to go twards hers so I could n't pay anything on my account so they call me every day now even on the weekends. When you do talk to them they try to bully you into renewing your loan even when you say you do n't want to. I 'm tired of dealing with them and it 's about to the point where I tell them to send it to collections and I will just pay it off that way I ca n't stand to deal with them anymore
Date of service was XXXX Billed on XXXX XXXX, XXXX Called Equifax, XXXX XXXX XXXX and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to Equifax because the original credit reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show Equifax the account as paid but they say they no longer have an account with me. Equifax has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to Equifax as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from Equifax they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXX, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.
Went into XXXX for vehicle service on XX/XX/XXXX. was barraged by salespeople trying to cram a new vehicle down my throat. Specifically told them DO NOT RUN MY CREDIT REPORT. I was assured this would not happen. But it did. I found this out on XX/XX/XXXX, and contacted XXXX sales manager. He told me it was not run and the last credit pull they did was XX/XX/XXXX. I SENT HIM PROOF THAT IT WAS ON THE REPORT, and he never one time contacted me. He passed it off to XXXX, a sweet gal we bought the 1st vehicle from in XX/XX/XXXX, and she too shows no proof that the report was run. BUT IT IS ON THE CREDIT REPORTS!!! I had to resend her the same PROOF I sent to XXXX. I have heard from no one, and i am under the impression this is illegal and they could be fined. i WANT THIS fixed immediately, IT IS LOWERING MY CREDIT SCORE.
I paid a debt to a collection agency over 1 year ago never reported it paid to originalXXXX or XXXX first federal creditor and collection. The creditor was XXXX XXXX
Our father passed away XX/XX/XXXX. XX/XX/XXXX, he completed paperwork at his bank, naming his XXXX natural children, my sister and myself, as Pay-On-Death beneficiaries on his checking account with PNC Bank. My father had no mental or memory problems, especially when it came to his money. He kept a close eye on everything. Upon presenting proper identification and the death certificate to the bank, they would not allow us to take out the money. Over the last 5 weeks, the bank manager, XXXX XXXX, has given different excuses. First, it was that we had to wait for Social Security and his pension to be returned. Then she kept telling us she had to have authorization from her " higher ups '' because the account held over {$20000.00}. She then added that our step-sister ( who is co-representative of the will ) but is not now nor has she ever been on this account, has to sign off on it before we can withdraw any of the money. On XX/XX/XXXX, I called and she gave me the same excuse and when I asked to talk to one of these " higher-ups '', she told me that the step-sister ( she used her first name, XXXX ) was contesting our right to the account, and that the account has been frozen. When asked why we were not notified of this by bank headquarters or by an attorney for the step-sister, I was told that she could not discuss any of that with us. She told me this 3 times, then basically hung up on me. Since then, my sister, who is on the account as a POD, went into the XXXX, Maryland PNC branch, and was told that in internal notes a XXXX XXXX XXXX had asked for a hold to be put on the account XX/XX/XXXX to allow her to make sure my Dad had signed the papers and that he had not done so under duress. My sister informed them who she was, showed her ID, the death certificate and a bank statement showing her as a POD. She told them the person who did this definitely was not her. She questioned if they had verified this person 's ID and the bank quickly changed their story, and the internal bank notes to state it was the step-sister, XXXX XXXX who requested the hold. After almost three ( 3 ) hours, my sister left the bank with no money and was told no one was allowed to discuss anything with her, and that she should probably contact PNC Corporate Customer Service in XXXX. Upon doing this, she was told that there was no one who could talk to her and she should communicate with her local branch. Then he changed his tone and told her that her lawyer should contact Corporate. Contrary to us being told that " XXXX '' had requested a hold, PNC is now stating that they put the hold on the account on XX/XX/XXXX, in order to do an internal investigation to be sure they had done nothing wrong. In addition, my sister has numerous health problems, and the stress is definitely causing her more problems.
I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.
I walked into a Bank of america on XX/XX/XXXX and waited an hour to open an acct. After waiting I Spoke to a XXXX XXXX who assisted me with opening an acct. I opened a checking and saving acct. In the process of opening my acct she advised me that a balance was owed to bank of america for {$460.00} and that it may be taken out of my acct if need to cover the pas balance from XXXX. I advised XXXX i never had an acct with bank of america and that when she gave me the number to the fraud dept who I was suppose to call on XX/XX/XXXX once I made it back home to see what was going on. I deposited {$25.00} in my checking and {$100.00} in my saving to get my acct started. Now when I go to logon to get my acct info so I can call the fraud dept I see I cant logon and I'm being told my accts were closed and no one could tell me why. I'm not sure why they were closed and for me to sit in the bank and hour to wait to see one and another hour just about to open my acct, just to have my accts closed the next day without any notice, well I'm really upset.
I had been foreclosed on by Wells Fargo and I had paid PMI. I had to do a short sale on my home even though I was told by Wells Fargo that I could afford the mortgage, but could not get a modification through Wells Fargo. I believe it was because they could collect the PMI. I had lost my job and had to start a small business which provided income for me to afford the mortgage, and that business continues today. I spent {$9000.00} for attorneys to fight this and it was an impossible situation since Wells Fargo would not modify the mortgage.

How can I find out if I was part of the error that is labeled a " computer glitch '' in the news about Wells Fargo?

Also, something for the CFPB to consider that PMI leads to more foreclosures since the mortgage company gets paid in full, they have no incentive to modify when they can get the insurance claim paid, rather than modify a loan.