WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I believe that the Private Mortgage Insurance ( PMI ) on my home loan is ready or near ready to be cancelled based on the loan to value ( LTV ) ratio. Contrarily, Citimortgage has informed us that is not the case. We purchased our home in XXXX XXXX. In XXXX we began investigating ways to refinance the loan, however we were denied because of a reduction in home prices and income due to a job loss. By XXXX we began inquiring with Citimortgage about a loan modification, which we believed was possible through the Home Affordable Refinance Program. The process was painful and repetitive, involving multiple requests for similar documents worsened by changes in Citi staff, who often showed a lack of knowledge and concern for us. Miraculously, by the summer of XXXX we were able to successfully modify our loan, which saved us a modest {$400.00} a month. Throughout the process we understood that we were modifying our current loan. However, recently, when I inquired about the PMI, Citimortgage informed me that we actually had completed a conventional refinance, changing the LTV to the new loan price at the time of the XXXX closing. I disputed this understanding and was told that I should reference the promissory note, which I did. On the top of the document is prominently written, Consolidated Note and states that this note consolidates, extends, and modifies existing loan. We are confused. Furthermore, I suffered a job loss which caused loss of income and our home value had dropped significantly, precluding us from obtaining a conventional loan. We brought this to the attention of a friendly Branch Manager who reviewed our mortgage on an electronic database on her computer. She expressed some concern about the information then said that she could not speak to me about the matter. I asked her if she could refer me to an agent with whom I could speak. Instead she provided me with a mailing address to communicate with Citi. After several years of dealing with Citi in exhausting and overly complicated ways, we were reluctant to write. For example I have been on the phone with Citi employees discussing some of these issues for more than an hour with few or no resolutions.
Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

XXXX XXXX
A collection account from the Fresno Credit Bureau appeared on my credit report for the first time in the summer of XXXX. The balance was {$250.00} and the original creditor was XXXX XXXX XXXX opened on XXXX XXXX, XXXX. I was fully covered by student insurance at the time. I never received the bill from either parties nor was I ever notified of this bill 's existence or when it went into collections. After speaking to XXXX XXXX XXXX directly, they confirmed that they had attempted to contact me at the incorrect address and phone number. After confirming that they also failed to bill my insurance, XXXX XXXX XXXX verified that all outstanding balances shall be written off and removed from my credit report. A couple weeks later, I received a letter from the Fresno Credit Bureau, stating that my collection account has been cancelled and requested for my account to be deleted from consumer reporting agencies. After noticing that the collection account is still appearing on my credit report, I reached out to the Fresno Credit Bureau in XXXX XXXX by phone and they claimed that the paperwork has been filed and my account should be taken off within 30 days. It has been 8 months and the collection account is still on my credit report.
I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.
My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. 
Please help me with this situation. Thank You.
TO WHOM IT MAY CONCERNNOTICE OF ERRORACCOUNT # XXXXADDRESS : XXXX XXXX XXXX, XXXX NJ XXXXI am contacting CFPB with a Notice of Error committed by Seterus the servicer of my mortgage loan account. 
This inquiry for clarification or documentation as a notice of a billing error, including correcting the account in accordance with XXXX ( XXXX ). 
Please be advised that the following errors are contained in the XXXX XXXX, 2015 Account Statement issued by Seterus. ( Atttached ) The first error - Amount Due is incorrect. The sum of {$2800.00} is in excess of the agreed upon monthly payment amount of {$1300.00}. According to the modification offer it includes principal, interest and escrow of {$540.00}. 
To date, I have made the following timely payments : -XXXX, 2015 check in the amount of $ XXXX-XXXX, 2015 bank check in the amount of {$1200.00} ( Seterus billing amount due ) The payments were made timely, for the required amount. Unfortunately, the periodic monthly statement does not reflect the agreed upon amount due. 
The second error in the periodic monthly statement dated XXXX XXXX, 2015 is -- Legal expenses of $ XXXXXXXXI dispute this amount because public records indicate that XXXX foreclosure fees paid to its counsel are not in excess of {$1500.00}. I think Seterus has marked up the legal fees. 
The third error on the XXXX XXXX, 2015 monthly statement is : -Appraisal Expense of {$15.00} dated XXXX XXXX, 2015- Legal Expense of {$50.00}, dated XXXX XXXX, 2015-Legal expense of {$8.00}, dated XXXX XXXX, 2015Please note that we have been paying timely for over six months and the foreclosure was dismissed by the court. Therefore no appraisal or attorney fees should be charged to our account. 
Please correct these errors and issue an accurate periodic statement from this point forward. 
Thank you. 
Sincerely, XXXX XXXX
Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. ''
2nd case submission for additional credit, same fraud/solar panel issue XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare Citibank and XXXX XXXX both clinging to 120 days to report fraud. I wouldn't have known at that point.
I opened a XXXX XXXX Credit Card from XXXX XXXX in XX/XX/XXXX in response to an offer for XXXX bonus XXXX Miles for spending {$3000.00} within the first 3 months of opening the card.The credit card application stated that if I currently did not have an XXXX Miles membership number to fill in, the field should be left blank, and XXXX XXXX would contact the applicant to complete the XXXX Miles membership. I completed the spending within the three months, and paid the annual fee of {$95.00}. 
Upon completing the spending, the XXXX bonus miles showed up om my XXXX XXXX credit card statement, but it has been almost 12 months, and they never posted to my XXXX Miles account. Initially I contacted XXXX XXXX, since I never received an XXXX Miles number, or any indication that my miles has posted to XXXX Miles, and was told that I should manually obtain an XXXX Miles membership number, add it to the account, and the bonus miles would then post. I obtained the XXXX Miles number and added it to the account, but only subsequent miles earned, XXXX miles to date, have posted. The XXXX bonus miles and XXXX spending miles never posted. I contacted XXXX XXXX numerous times over the next few months and each time was assured that the miles would post upn the close of the next statement. 

Finally, in XX/XX/XXXX I was told that since there was a problem with the XXXX Miles number originally, I would not receive the XXXX miles, only the new miles I would earn in the future. 

On XX/XX/XXXX I sent a letter to XXXX XXXX indicating that they were not honoring the terms that were promised to me when I opened the account. On XX/XX/XXXX I received a response that the problem had been corrected and my XXXX Miles account would now reflect the correct balance. 

Unfortunately this was not true, since my XXXX Miles account continues to show only the XXXX miles earned after the initial issue. The XXXX miles has not posted. On XX/XX/XXXX I sent a follow up letter, but received only a form letter in response indicating that I could initiate a complaint by sending a letter. It has been almost a year and I am frustrated that my issue has not been resolve despite numerous assurances from XXXX XXXX that it would be.
Have received XXXX unsolicited notices requesting that I contact them about streamlining my FHA mortgage. First notice was ok. XXXX indicated that did not understand why I would not have contacted them.And third which I will attach, goes as " I wrote you twice before to tell you how historically low rates and recent FHA XXXX program changes give homeowners like you the ability to significantly lower your monthly payment. 
Please act now - at no cost or obligation. I 'd be delighted to show you how much you could save. Please call me at XXXX. Sincerely, XXXX XXXX P.S. Our FHA XXXX process requires no appraisal and normally takes less than XXXX week to complete. " Did not save the second notice but that XXXX indicated that they did not understand why I would not have taken any action after they contacted me.
I submitted a dispute to USAA and over the last several months, USAA has not properly investigated my disputes. They have instead closed my disputes and reversed the charges without a proper and though investigation.
I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Contacted for the first time in XXXX XXXX about a loan from XXXX 's that supposed remained unpaid. Live in XXXX. Wrote an XXXX chq as XXXX draft not possible ( too old fashioned ) and explained problem in letter. Chq returned and XXXX draft requested. Started to question paperwork and asked for proof of debt and method of payment other than XXXX draft. Only received unsigned form letter answering questions I did not ask and escalating the debt amount. Thought it was a scam due to time lag in invoicing, clock not stopped when validation of debt requested, debt not validated, no alternative payment method offered, IRC website says they are XXXX XXXX but actual XXXX XXXX site says they are not, lack of contact information on correspondence ie return address, no names or signatures, slow mailing to XXXX ( about a month ). I have copies of all correspondence including registered post and fax transmissions to XXXX. Complaint to XXXX ombudsman XXXX XXXX XXXX, no receipt acknowledged and followed up 5 times. XXXX XXXX letter received and email from XXXX XXXX Escalated Issues advising complaint to be lodged with FSA Feedback System and copy of a loan document provided. Issue lodged with XXXX Feedback System XXXX XXXX XXXX ( XXXX date XXXX XXXX XXXX. Information package from XXXX Feedback System received XXXX XXXX XXXX dated XXXX XXXX XXXX again unsigned, no contact information and no name. Claims much of my correspondence unable to be found ... ..and that even though I ca n't remember the loan does n't mean I am not responsible. However I finally received documentation about the loans but no explanation as to why it took so long to invoice me in XXXX as I have held a XXXX passport since XXXX and drawn XXXX Social Security since XXXX. The package also contains reference materials to an erroneous loan at XXXX XXXX XXXX in XXXX. A place I was never at. I was living in XXXX in XXXX. The only institution I ever attended was XXXX. Again it said to contact Immediate Recovery Inc to arrange payment so we are back to the spinning wheel again. XXXX provided no payment method and IRC have not answered my emails this week. I believe at the very least the interest should have ceased in XXXX XXXX, anything related to XXXX is not me and if they can not provide a swift code for direct deposit or credit card facility to clear the XXXX debt then Social Security is the only option. The debit is supposedly {$2100.00} as at XXXX XXXX XXXX. I hope you can help. Otherwise I will have to go back to the XXXX Ombudsman or just wait for the Social Security option as there appears to be gross incompetence or a scam going on. Note : I ca n't talk on the phone due to XXXX ( service related ) and the time difference between XXXX and XXXX also adds to the difficulty.
I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.
XX/XX/2018, Amount {$350.00}, companies involved : Chase and XXXX I purchased XXXX XXXX tickets through XXXX but fell for a scam. I sent payment through Chase/XXXX but never received the tickets. 

I called Chase within 10 minutes when I realized that I was the victim of a scam and spoke to at lease three Chase employees on the phone. But they claim there is nothing they can do to stop the payment and even told me I shouldn't file a police report because I initiated the payment!!! The payment was actually showing pending for at least five hours on Chase.com but Chase did not do anything about it.

I also filed a police report on this crime to my local police department a few hours later.
XXXX XXXX XXXX XXXX XXXX   CBNA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.
I have been fighting for a long time to have this fraud account remove from all XXXX credit bureau.
My direct deposit has not posted and it was sent to Rushcard 3 days ago, my water has been turned off, my phone is going to be turned off, we have no food for the week end, I have XXXX children and a XXXX mother, Rush card system update was more of a Downgrade. 

I have no money and now everything is becoming late with additional late fees added.
My wife and I applied for a loan through Roadloans.com which is owned by Santander USA, we received a loan packet that give a apr of 24 % when I know the maximum loan apr for the state of Pennsylvania is 21 %. How can they get away with 3 % higher than state cap?
XXXX XXXX calling neighbors that I do n't know and informing them that they are FBI and to contact the immediately about a debt I have. I noticed other complaints online from that name/number, that they are Direct Recovery ServicesXXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT
Designed Receivable Solutions, Inc. is attempting to collect payment from me for two accounts identified by Designed Receivable Solutions, Inc. as being account number XXXX ( {$45.00} ) and account number XXXX ( {$50.00} ). I have previously written to Designed Receivable Solutions, Inc. to request verification and explanation of the amounts owed via Designed Receivable Solutions, Inc. providing me an explanation of what the charges are for, from where they originate, and what services were provided by an original creditor to substantiate the original charges. Designed Receivable Solutions, Inc. has so far completely failed to answer my request for explanation and has failed to provide me any documentation from an original creditor supporting the request for payment. Designed Receivable Solutions, Inc. is also adding a large amount of accumulating interest to the amounts it is requesting. I am not aware of any unpaid bills that I owe, and certainly hesitate to pay for charges I don't recognize and which have no supporting documents provided to me with request for payment.
Delta Management Associates contacted me at my employer informing me I am in debt to them. My employer received wage garnishment letters and threats with a lawsuit if Delta did not receive payment from them. Personal information Delta claimed to be mine was inaccurate.
Funds were first delayed and then not transferred to the company on a purchase of a foreclosed home that I had agreed to buy and was in the process of buying. At the banks discretion, the home was then instead suddenly sold for a substantially lower amount through the use of a 21st Mortgage broker from the local XXXX, AZ area.
After using my credit card to make purchases, and paying off the balance in-store as allowed by the terms and conditions, my card was locked for review. I created a negative balance inadvertently on my account. I intended to make future purchases to rectify that, but once my account was locked for review i could no longer make purchases. After my second phone call inquiring about when my card would be unlocked, i was told " not to hold my breath '' and that I should request a credit for my credit balance. I replied that i didnt want a credit refund, i wanted to use my card again. On my third call, i requested a refund check for my negative balance, as directed by the representative. On my fourth call, after about 4 weeks of not having the ability to use my card, i called again today. I was told that my card was still under review, with no way to tell when the review would end.
I misdirected a mortgage payment using my banks bill pay. The mortgage payment instead went to GreatLakes Higher Education, with which I had an account five years ago but which I do n't anymore. I called and asked them to return the money after my mortgage company told me about the missed payment. Great Lakes told me they forwarded the money to XXXX, another student loan company. XXXX denies they received anything. The transfer of money happened XXXX XXXX. Great Lakes continues to refuse to return the misdirected funds. My banks bill pay says this is common and Great Lakes makes " XXXX '' on this sort of thing. I am very concerned about paying my mortgage and other expenses given Great Lakes refusal to return my money.
American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.
on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. 

I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.
I have an auto loan with Mercedes Benz Financial Services ( MBFS ). We overpay a little every month, and for a year and a half the overpayment has been applied to the principal. Starting in XX/XX/XXXX, none of our payments has been applied to either the principal or the interest. Instead it has been put into an overpayment account without notifying us ( because of overpayment next payment is not due until XX/XX/XXXX ). When I called them they told me that was their policy but could not answer why they changed it without notifying us. They could also not explain why I would be sending the payment if not to apply it to the principal and interest. They told us we would have to add a note to every payment telling them to apply it to the principal.
Received a letter from Client Services XX/XX/XXXX concerning collection of a XXXX XXXX XXXX account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the ensuing information about the alleged debt : name and address of original creditor, copy of the original signed contract , delegation of authority, and account / statement of payments including interest, and fees. To date I have not received this information, but I am receiving repeated call from this agency at home and work. My job does not permit me to take these calls at work and as such their calls are jeopardizing my employment.