WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I reached out to my mortgage servicing company, First Reliance Mortgage, and requested information for having PMI removed from my loan. I explained that I believe the value of my home has increased sufficiently to put my LTV around or potentially under 80 % LTV and would like to know my options for removing PMI. I was advised by the representative on the phone that there was no one I could speak with over the phone regarding the analysis of my loan 's LTV situation but that she ( the representative ) would put in a request to the appropriate department to have them send me information through the mail detailing my options for PMI removal. Approximately three weeks later, I received the written details of my options for PMI removal in the mail from First Reliance Mortgage, in which they detail that they require a full appraisal to be ordered ( cost : {$450.00} ) to validate my home value -- rather than offering the more affordable alternative option of having a BPO ordered on the property. This seems to constitute a predatory servicing practice, since the XXXX XXXX website says that a BPO can be ordered to establish the property value for the purpose of removing PMI from the loan. I would like to know why my only option for removing PMI on my loan that they are offering is the more expensive option ( Full Appraisal ). Unfortunately on that initial phone call to the servicer it was made clear to me that there was no department I could speak to at the company who would be able to give me any details, all of it would be handled through written communication.
Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.
In XX/XX/2018 I filed a dispute with Equifax by mail regarding a debt of {$200.00} with XXXX XXXX XXXX requesting that Equifax confirm this debt is not mine, and remove it from my credit report. They came back confirming that this debt was mine and kept it on my credit report. I called XXXX XXXX XXXX on XX/XX/2018 and a representative at XXXX confirmed that this debt is not in their records under my name within their system. Equifax did not investigate this dispute properly for if they did they would have removed it from my credit report. I am filing a complaint against Equifax investigation process. A satisfactory process would be that Equifax does the job that I am requesting and remove this debt immediately since it is not my debt.
On XX/XX/XXXX I checked my credit report due to receiving notification that information had changed and noticed my inquiries had been removed and my credit score went up. Then on XX/XX/XXXX I received a notification that the information had changed again and checked and the previously removed inquiries were re-added and my score dropped.
I am a victim of Identity theft and I sent Experian the police report along with identity theft affidavit. I have contacted the collection agency who is improperly reporting the information as well as Experian to let them know it is not mine they have done nothing. Experian also is reporting personal information such as a name that is not mine and addresses that are not mine as well. They continue to report this fraudulent information and will not send me the proper documents to support this fraudulent reporting. I am sick of this! Something needs to be done. Attached is just one of the many letters I have sent to them to request they fix this and they continue to play games. This information needs to be removed immediately!!
On XX/XX/2018 I took out a loan for {$1300.00}. I have been paying {$100.00} since then and continued to borrow in a bad choice cycle. I have paid about XXXX since then. I am attempting to work with consumer credit counseling but they do not work with that agency and they have access to automatic withdrawals from my account. I can no longer afford {$400.00} a month to pay them and am trying to pay my bills off.
I was given the wrong information by Ameritech Financial. They said that my monthly payments to their loan forgiveness plan that they said would make it cheaper instead of what I would be paying for XXXX XXXX would be going to the loan. Plus they said now that they had the loan forgiveness plan with me that I would be paying less and not paying interest and if I went back to school and got a second degree and a better paying job with the government or state that my forgiveness would be even lower. None of my payments went to my loan and I found out the fee they charged me in the beginning to sign up was not even a fee I would have gotten with XXXX XXXX if I did the forgiveness plan with them instead. Where was my money going to if it wasnt for my loans?
XX/XX/XXXXat XXXX i received a call from an unknown number, Unknown number left me a voicemail. " XXXX '' left me a voicemail claiming i owed someone money and i had 24-48 hours to resolve it. Did not say what company she worked for only number to call her back with questions ( XXXX ) XXXX XXXXXX/XX/XXXXat XXXX " XXXX '' called and left a voicemail again claiming she was going to come to my work/residence to drop off a subpoena in 2-3 hours and left the same number for any questions.
XX/XX/XXXX at XXXX i called the XXXX number and " XXXX XXXX '' answered and claimed i owed a debt to XXXX XXXX from 2009 that i had to pay that day. She asked for my birth date or social security number. Foolishly, i gave her my birth date. She read off my social security number, which was correct, asked if it was correct and i said " Mhmm '' She said if i did n't pay off the debt today, XXXX , i would have to pay XXXX $ after all the lawyer fees and what not. She gave me her number to reach her at with any questions ( XXXX ) XXXX XXXXXX/XX/XXXXat XXXX I called the XXXX number and XXXX XXXX answered, but different voice, answered the phone. I asked her who she works for and she responded with NAS National Arbitration Services and i hung up the phone Yes, i am gullible
I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing it.
Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my Chase checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX XXXX XXXX for {$7500.00} ; and one to XXXX XXXX for {$5300.00}. I initially planned on going to my branch the next morning, but then, in the wee hours of XX/XX/2017, decided to call Chase 's XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed the bank would make good on these fraudulent payments, but the Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My Chase banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX XXXX from Chase 's Executive Office, who told me he would investigate my claim. XXXX XXXX concluded that Chase 's position of denying my claim was unchanged, BUT AS A COURTESY, they requested XXXX XXXX XXXX to reverse the online payment, which XXXX XXXX XXXX did, and I recovered that {$7500.00} payment. He said they were not given the option to reverse the payment to XXXX XXXX for {$5300.00}, and suggested I pursue that payment on my own, and he provided me with the XXXX XXXX account number for me to approach XXXX XXXX about the fraudulent payment. Since then, XXXX XXXX has not helped me, but they did say the account number I provided was a valid account. AT THIS POINT, I 'M CAUGHT BETWEEN CHASE AND XXXX XXXX, AND AFTER A 3-WAY CALL WITH BOTH BANKS ON XX/XX/XXXX, CHASE SUGGESTED I CONTACT AN ATTORNEY IF I NEEDED MORE EXPLANATION. In other words, each bank was confident they need not do further for me. The representative named " XXXX '' from XXXX XXXX Executive Services Dept. gave me an email address at XXXX XXXX for law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. that was assigned my case ) to correspond with. At any rate, I am still at a loss of {$5300.00}.
I was charged an overdraft fee for a posted item that didn't actually overdraft my account. My balance after the posted XXXX XXXX transaction was {$1.00}. There are 2 pending debit card transactions that have not hard posted yet. I have been in XXXX for 18+ years and I've not seen where a customer is charged for " pending '' potential overdrafts. My posted balance after the overdraft fee of {$36.00} is XXXX. How is that?? I used the wrong debit card at XXXX XXXX yesterday after XXXX. As soon as I realized this, I deposited {$2.00} to cover the difference. In my experience an overdraft fee is assessed the following day after the item hard posts to the account, giving the customer time to correct the overdraft. I also thought most financial institutions had implemented the no fee if overdrawn less than {$5.00}. Perhaps Regions is not one of them. I still think the way my transaction and fee were presented on the same day still not resulting in a posted actual overdraft, is more than shady. I'm really hoping this is some kind of system error and it will be corrected. I emailed Customer Service about this and was given a templated response regarding their posting order. " When a purchase or withdrawal is made with a XXXX, those funds are immediately held ( or " frozen '' ). Purchases made with a XXXX have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending. 

The balance in the account before posting on XX/XX/2018 was {$6.00}. There was 2 transaction pending ( holding ) for {$2.00} which left an available balance of {$3.00} for us to pay the items posting to your account that night. 

There was then 1 item presented for payment on the account for {$5.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay the item. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items. 
I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice. '' So I will now pay {$36.00} X 3 for a difference of {$2.00}. I will now get charged 2 additional {$36.00} fees for the " held '' {$1.00} and {$1.00}, even though I deposited enough money to cover those. Since they charged the {$36.00} fee for the {$5.00}, and {$1.00}, and {$1.00} ... .but because the {$1.00} & {$1.00} are pending, when they post tonight, they will charge me OD fees for those AGAIN. I have never seen transactions pending handled this way in banking. It is thievery and should be a violation banking acts. The way these transaction reflect on my statement doesn't even reflect this logically. I was charged an overdraft fee on the same night that the transaction posted.
I recently purchased a vehicle through a XXXX in XXXX XXXX, NY. My loan for thevehicle was financed through XXXX Bank. 
On XXXX/XXXX/15 Honda Financial sent me aletter stating that they had been unable tooffer me credit " on the terms originally requested '' and that " our subsequent counteroffer has sinceexpired. '' The problem here is that I have nodocumentation of Honda Financial ever making aloan offer to me, nor do I have any record ofHonda making a counteroffer. The referencenumber on the letter from Honda is XXXX. Furthermore, Honda said that I couldobtain written documentation on reasons for theirdecision by contacting their XXXX, XXXX officeat ( XXXX XXXX XXXX. But when you call that number, Honda claims that you need to make the requestin writing. Their XXXX XXXX letter to me makes noreference to the need to make the request inwriting, versus by phone.
I recently pulled my credit report and found that my credit was ran without my consent. After speaking with both Equifax and the creditors who ran my credit without consent, I was unable to get these hard inquires removed.
My XXXX bankruptcy case was never XXXX. I reopened my bankruptcy case in XXXX of XXXX and amended the file to include additional debt that I incurred. Plaza services was notified by the bankruptcy court on XXXX XXXX of XXXX. I have since also sent communication to Plaza Services in XXXX, on XXXX XXXX, and XXXX. I keep getting information stating that they deny my dispute and are continuing to try and collect this debt. I am trying to raise my XXXX XXXX and they keep reporting this as an active collection and I can not .get them to correct the debt to show as included in my bankruptcy. I have also contacted XXXX.
Mortgage company known as Seterus ( XXXX XXXX XXXX, XXXX, CT XXXX ) # XXXX is no longer supplying monthly billing information stating balance, interest, or escrow. They provided " coupons '' to pay monthly and you are required to " opt-out '' to get the details and I have done so but they have not provided me with any bill for the month of XXXX or XXXX. I called to request information and the running totals they provided stopped as of XXXX XXXX, 2015. The online system has stopped showing me past invoices as of XXXX, 2015. I did get a computer printout ( very hard to decipher ) of my payments until XXXX but only after I called. At this point, I 'm paying the bill because I just know it 's due but I have no invoice, no updated amounts due or no idea how things might change due to taxes/escrow/etc.. This is unacceptable and clearly violates the Dodd Frank Act.
Wells Fargo recently did a escrow analysis on my account and withheld a XXXX XXXX more then required to be in account and has flat out refused to answer why.
I have a Barclay 's  XXXX   XXXX  credit card. I made a payment  XXXX   XXXX  for {$1000.00} from my   XXXX   XXXX    checking account by a process where payment is done electronically using my routing number and account number. On  XXXX   XXXX , I make another payment the same way, for {$1600.00} using my set up routing number and checking account number. Between th e 2 pay ments, my   XXXX   XXXX   checking account is lowered by {$2600.00} and on  XXXX   XXXX ,  XXXX  shows my balance being deducted by that amount.   Barclay bank shows me on line they have received my payments and they have them processed, BUT they do not show them as increasing my available balance by {$2600.00}. They tell me they have the right to hold the money for up to 10 days before putting it back into my credit availability. Never are bills paid by check. They are all ways paid by electronic funds between  XXXX  banks, or as I have heard, the US treasury reserve bank. By holding this money, even though they say they have received the money, they say they have the right to hold it against liability issues, for up to 10 days.  XXXX  does not have my money and Barclay bank does not make these funds available to me. They use semantics by telling me they have my money but reserve the right to hold it up to 10 days. By doing this to me and millions of other people, they are using my money and others ' for profit and using it for free. I want to complain to the  US finan cial department regulators this is not fair and Barclay 's should be held accountable.
My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from XXXX.
Twice in the last week, Wells Fargo has made me change my online username and password ( which accesses two checking accounts, a credit card, and a student loan ), without explanation for why. I spent 30 minutes on the phone today, including with a supervisor, who said it could be anything from a pattern they see in my username, to " outside information '', or to someone actually accessing my account. She refused to disclose which category my issue has fallen into ( but would acknowledge I have a " case '' open in the investigations department ), which is neither helpful nor appropriate : if someone is somehow accessing my account, I need to know, so that I can discover how and properly protect my devices and other accounts. <P/>It is my account, I have the absolute right to know what is being done to it and why. The fact that I use a VPN ( with IP addresses within the United States ) and a password manager for my enormous and complex password should not restrict access to my account, yet I somehow feel this may be the case. <P/>This is simply the latest in a pattern of behavior from Wells Fargo under the umbrella of " fraud detection. '' They froze my cards just two months ago because I was three hours away from home -- within the same state -- and they determined this to be " fraudulent '', even though there was a trail of spending from home to my previous location to the location at the time the cards were  frozen. <P/>I do n't want Wells Fargo making unintelligent decisions on my behalf, I do n't want them determining what are and are not valid transactions, and I do n't want them pretending they know better without explaining why/how.
In the year XXXX, I XXXX XXXX, co-signed for my daughter XXXX XXXX apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX as she had relocated there for college. Once her lease ended in XXXX, I traveled to XXXX XXXX to help clean up and move her back home to XXXX. We took pictures of the apartment and completed a walk through with a representative of XXXX XXXX, which was cleared. We were told that XXXX could expect her full deposit of approximately {$350.00} in the mail. To this date, XXXX has not received her deposit. 
In XXXX, I received multiple phone calls from a woman who refused to provide her full name and was representing herself as a representative for XXXX XXXX, demanding a varying amount between {$160.00} and {$170.00} dollars. I requested written verification of the amount and reason for the amount as we had not been charged or notified of any further expense after the walk through of the apartment or within a reasonable time frame. I also reminded the caller that they had kept XXXX deposit, which exceeded {$160.00} and never sent her or myself an explanation of what that deposit was used to pay. To this date I have never received a verification bill or letter as requested to XXXX XXXX. 
In XXXX of XXXX, XXXX XXXX put me in collections for a delinquency of {$160.00} through XXXX, which I disputed and am attaching verification of letters sent from an attorney I was forced to retain due to XXXX XXXX negligent and unprofessional conduct. XXXX XXXX never responded to my request of verification and validity of their alleged money owed nor did they respond with verification of withholding of XXXX deposit. This lack of compliance by XXXX XXXX, resulted in XXXX  deleting the collections delinquency from my report in XXXX of XXXX. 
To my surprise, on XXXX of XXXX, I received notification that I was in collections again for this deceitful charge from SOUTHWEST RECOVERY SERVICE representing XXXX XXXX for the amount of {$200.00}. Here again, I never received verification of debt from SOUTHWEST RECOVERY SERVIC in accordance with the law. 
I have always ensured that I pay my debt in a timely and responsible manner. Had I received proper verification of debt from XXXX XXXX as I requested in XXXX and XXXX, I would have paid my debt promptly. However, I was not afforded that right. I am attaching documentation of this unfounded debt and proof that XXXX XXXX has acted in a negligent and unlawful manner by not responding to legal counsel representing me in XXXX. I demand that SOUTHWEST RECOVERY SERVICE investigate and immediately delete this unfounded delinquency from my credit report and notify XXXX and all credit reporting agencies.
My mother and I had the same first and last name. I continue to receive letters and phone calls from Northland Group indicating that I owe debt. I contacted Northland Group who requested my social security number and DOB. I refused to provide my SSI and only provided my DOB. At this time, I was told that my contact information ( phone number and address ) will be removed from their list since DOB did not match the DOB on file and that I will receive no more contact from Northland Group. I was then asked for my mother 's contact information. The very next two days I received phone calls from a man who did not introduce himself, informed me that the phone calls will be recorded, and immediately asked me for my DOB. I asked who he was and what this was in regards to. He told me his name and indicated that he is from Northland Group and that it is a confidential matter and that he can only disclose information if I verify my DOB. I gave him only my year of birth. He then indicated that my phone number will be removed.
My husband and I currently have an Ally Bank checking and savings account. When Ally Bank announced that it would also have a credit card, it seemed natural and easy to sign up for this card. To start, this card is unrelated to Ally Bank - in fact, XXXX XXXX runs the credit card and they refuse to acknowledge any connection with Ally ( rightfully, because there is no connection ... thus, this is not an " Ally Bank '' credit card ). I feel strongly that their advertising was misleading. 
This card has been nothing more than a headache - they refused to add my husband as a co-applicant ( claiming that he could only be an authorized user ) ; I could not register for online banking and they could n't help me - so all of my transactions have had to be over the phone ; I paid off my card and they withdrew the money from my checking account, but are holding the money for 8 days. Holding my money for 8 days is irritating and unreasonable because, during that time, I am not earning interest on that money ( they are ) and I now can not use this card until the money is cleared. Again, this goes back to the real problem that they are not actually connected to Ally Bank. I contacted them and, due to the hold, they can not allow me to access my credit card account online ( does that even make sense? ) and they can not abrogate the 8 day rule. It 's unreasonable to hold this sum for 8 days and my husband and I will no longer be using this card because it is so incredibly inconvenient. I understand they may be working out the kinks, but I 'm not willing to wait for this.