WillisBack/dataset-financial-user-claim huggingface dataset:
We requested to have our Mortgage Insurance Premium ( MIP ) removed from the FHA loan on our condo in  XXXX   XXXX , RI in the first week of  XXXX   XXXX . The loan was originally signed in  XXXX   XXXX . Once we received confirmation over the phone, we sent in checks to the amount of {$7200.00} as requested to reach the 78 % required to have the MIP cancelled. The first response from RI housing we received after that was on  XXXX   XXXX  from  XXXX   XXXX , the Customer Service Escrow Supervisor. She stated in an email that the MI could not be removed at that time, but gave no explanation why. After multiple requests by phone and email to schedule an appointment,   XXXX    sent an email on  XXXX   XXXX  saying that the risk manager would be sending us a letter. Multiple times we conveyed our confusion to the response, as the regulations we had found confirmed our ability to cancel the MIP at our request once we met the standard guidelines. On  XXXX   XXXX , Risk Manager  XXXX   XXXX  sent a letter saying that the MIP would not be cancelled and did n't answer our questions regarding  12 USC 4209 ; the  federal guidelines toward cancelling MIP at the request of the borrower. On  XXXX   XXXX  we received a letter stating that we were defaulting on our mortgage due to lack of payment. This is objectively false, and due to the unnecessary delays by the office our payments were never documented. We have saved the email correspondence, have our bank statements, and will be counting all the phone calls we tried to reach R I Housing wit h. We stopped calling  XXXX  's office because our calls were never answered. We tried different phones within the office and asked to be connected in order to get through. We asked for what is rightly ours by the federal laws that protect borrowers. We have met all the criteria to have our premiums cancelled. The premiums RI housing continued to collect 30 days after our initial request should also be refunded to us as the borrower ( which is protected by federal law ). The letter stating default on the mortgage needs to be removed from record as it 's false and destructive for our credit. The office 's inability to offer an adequate customer service needs to be documented and has been proven to be detrimental to the clients they claim to serve.
The financial institution informed me that a person with good credit was offered a home equity line of credit with a 3.49 % annual percentage rate. My situation with this financial institution was that I had an outstanding line of credit in the payback mode at a varying rate which was the prime rate less 0,5 %. or currently 3.75 %. I was under the premise that since I knew that my credit rating was excellent presently then my loan rate should be similar to this other noted individual who received a 3.49 % rate. An appraisal was done where the financial institution had my property appraised. The appraised value was {$110000.00}. The bank then took 85 % of that amount and determined that my line of credit would only be {$93000.00} which was {$6500.00} less than the SUPPOSED {$100000.00} value needed for the rate of 3.49 %. The bank did not recognize my free standing garage as a free standing garage but labeled the free standing garage a shed. This was incorrect since my free standing garage is 20 feet long by 12 feet wide by 13 feet high. The bank was informed of this fact but refused to change the original incorrect appraisal but indicated that an inside the home appraisal would be required .Thus I disagreed with their conclusion and since my faith in the bank 's credibility was now in question. I was apprehensive about the bank giving me a better appraisal value once inside the home since both my kitchen and bathroom .would be subject to criticism since no changes were made to major appliances and real estate fixtures in 25 years. In summary the bank offered me 5.24 % after baiting me with these lower interest rates.
Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract
I have been an AMEX card holder for a long time. I was emailed an offer to upgrade to the XXXX XXXX credit card for {$450.00}. As part of the terms, it said I would get XXXX points with a {$4000.00} spend in the first 3 months. I spent that and didn't get the points so I called in and was told it would be on my next statement. My next statement came and went and I called again. This time I was told I was never eligible and the person who told me I was getting the points was wrong. 

I would have never upgraded if I had not been victim to this " bait and switch '' This is an illegal practice and I want my {$450.00} refunded immediately and my card closed. 

I sent them a mediation request 2 months ago and have not heard one work back. AMEX has to have THE worst customer service in the world and just lost a long time customer.
On or about XX/XX/2017 received bill from XXXX the amount was {$410.00}, then XX/XX/2017 the bill was $ XXXX.I was told by the representative for XXXX my bill was paid up for XX/XX/XXXX. and XX/XX/XXXX,. but in XX/XX/XXXX I received a statement on .XX/XX/2017 that I owed {$50.00}. Paid the {$50.00}. Same acct numbers.INCONSISTENCY with the amounts with XXXX.On XX/XX/2017 I received a bill for $ XXXX.On XX/XX/2017 received a bill for $ XXXX.In XX/XX/2017 I received a bill for {$340.00}. This has been going on for a year. This acct. was transferred from XXXX XXXX XXXX XXXX   and none of these Inconsistencies. Since XXXX took over the accts I have seen different amounts every month.Every month my husband have to talk with the representative giving them the ok to speak with me giving authorization to XXXX. I have sent two copies of release of authorization forms for me to handle our son 's acct. We have repeatly asked for an audut for our sons acct. and have not received anything.With XXXX you never know from month to month what your payments will be. The flunctations of payments and the reason for such fluctations.We are suppose to be paying the interest on our son 's loans but each and every month different amounts. Exaggerate payments from month to month even when you are not delinquent with no reduction in balance because of incompetent representatives.
I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.
In having a very hard month and being unemployed and searching for a job, I check my account balance on a daily basis. on checking my account on a Saturday. I saw that a scheduled charge had gone through on that day, which had made the account negative. I had checked the day before, on a Friday, and the account was not negative. on seeing that the account was negative on Saturday XXXX, for the first time, I proceed to borrow {$20.00}, from a friend to deposit, in the account to ensure that the account wont be negative. I never believe that any account should be in the negative, no matter how dire a situation is. 
This action on Saturday XXXX, removed the account from the negative. and all was well. the account was out of the negative. until the following Tuesday after the holiday, to my The bank to my dismay charge me {$40.00}. I am currently seeking employment and have no money to buy food to make. I checked my phone right after I saw the {$40.00} charge ( with no money ) and my account statement indicated incorrectly that I made the {$20.00} dollar deposit on that following Tuesday and not the Saturday of the XXXX. That 's a huge lie!. I have my deposit slip, which proves that the deposit was made on the Saturday XXXX. I then walked XXXX mile to the bank ( no car ) to get an explanation, and they humiliated me, because I am an XXXX XXXX man. any opportunity to humiliate an XXXX XXXX guy who doesnt look " correct '' is most welcome. talking loudly so everyone could here, afterwards then pleasantly dismissing, me. My deposit slip, and they refused to see it. They said the bank ordered them to do so. They didnt care what I had to say. Bank personel must have repeat that they couldnt do anything almost 5+ times. I need my {$40.00}, back as it is all I have left for the next couple of weeks. I am not a liar as they made me out to be. I have my deposit slip.
I 've been dealing with this since  XXXX / XXXX . I 've spent over five hours on the phone with various Navient employees trying to have them remedy this : they never applied the checks sent in, and deducted from my bank account, to my student loan account.
Two weeks ago, I spoke with   XXXX   XXXX  , a supervisor, and he said he would make sure to get it taken care of ; and he apologized for all of the trouble I 've been going through, trying to get this resolved.
They have still not reconciled my account, it shows I 'm " past due, '' and they 've falsely reported their error to my credit report.
XXXX XXXX {$410.00} I've filed a dispute I believe it was fraud I didn't even live in the same state at that time I lived in California and it was an Arkansas that they were charging me for the light bill
XXXX XXXX, 2016 To whom it may concern 1. I attest that I am the author of all verbiage within this complaint. On my XXXX and Equifax reports I have accounts in collection, XXXX on Equifax and XXXX on XXXX. 

2. This complaint is based on XXXX, XXXX, and Consumer Reporting Resource Guide reporting standards, and specifically how EQuifax and XXXX are reporting this data within my report. 

3. XXXX XXXX XXXX and XXXX XXXX XXXX are debt collectors, file standards, and laws, prohibit XXXX to report debt collection efforts as Credit Grantor Tradelines, as they can not extend credit to me, or any other individual. 

4. XXXX file Specifications, indicate that they can ONLY report a COLLECTION/RC/Factoring Account Type, that is either in a PAID or Unpaid Collection pay status. 
Account Type Codes XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) 5. All other report attributes are intended to be used by Credit Grantors, who enter into a contract for payments and then to report such payment history. 

6. XXXX, is designated as a " Open/Installment/Revolving '' ACCOUNT TYPE and can not be as this data is not expected to be sent by a debt collector on this industry standard file, and is in fact reporting as a Factoring Account and is included in my XXXX. 

7. XXXX and XXXX accounts have a PAY Status of past due, and can not according to XXXX - as this data is not expected to be sent by a debt collector on this industry standard file. I have never been late with XXXX nor XXXX 8. XXXX account on EQ is reporting a creditor classification of " RETAIL '' and can not, as this data is not expected to be sent by a debt collector on this industry standard file 8. XXXX account on EQ has a pay history, and can not - as this data is not expected to be sent by a debt collector on this industry standard file. I have never paid them anything nor ever agreed to. 

9. XXXX account is Medical and should be labeled as such. 

I request that these erroneous accounts be deleted from my reports and not reinserted as they have been damaging to me in monetary ways. I have been denied acredit due to these accounts showing as open/late, when in fact if they were showing as collections on both EQ and XXXX as per their sample reports show I would not have such a low score. 

I will be forwarding this complaint to EQ, XXXX, XXXX CFPB and to the involved Collection agencies as these procedures are illegal under the FCPA and FDRA. 

THANK YOU.
I recently borrowed {$800.00} for XXXX XXXX. I have already repaid {$1000.00} back to them! They say I still owe them {$2000.00}!! I cant believe this is legal? I would have never agreed to borrow {$800.00} for {$3000.00}!! I was in a financial situation, yes! However, I wouldnt have accepted this loan!! This is crazy!! What is 919.3012 % Annual Percentage Rate? This cant be legal? This company takes advantage of the disadvantage!! Under any terms, Its unfair!!
I disputed a 30 day late pay on XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
I do n't know if my case is not that unusual. But I would like to be clarified with this please.   I have defaulted mortgage payments for family reasons. The bank of America foreclosed my property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX    XXXX   XXXX   XXXX   XXXX  . I sent a cheque ( number #  XXXX   ) to  pay for the arrears but they returned the check because they want me to do the reinstatement process instead. They sent me reinstatement calculation dated  XX/XX/2017    at  XXXX  an amount of {$12000.00} which I though was very large amount so I borrowed money from my wife and relatives to pay. On  XX/XX/2017    at  XXXX , the bank o f America s ent me again a reinstatement calculation which I believe is the correct one with the amount of {$9300.00}. I called the bank  of America and spent 4 hours being transferred to 4 departments. One su pervisor told me that they will reimburse or send me the difference of the  XXXX  reinstatement amount which is $ {$3300.00} in  7 b usiness days. After 12 days, I called again because I did not receive a check. This time I spent  5 hour s on the phone transferred to every department in the ban k of America. One supervisor l ady told me that there is no such thing as reimbursement. I want to get back the overpayment that I have made. Kindly educate me please.    XXXX , bank  of America mortgage costumer Loan Number  :  XXXX
I have received a copy of my credit report with the following company inquiry on my report without prior authorization from me for credit inquiry.
On XXXX XXXX and XXXX over XXXX fraudulent transactions totaling {$2100.00} posted to my American Express serve card. I reported the transactions to American Express immediately on XXXX XXXX. I submitted a claim and my card was closed down immediately. I filed a police report in XXXX on XXXX XXXX. American Express denied my claim, however there investigation was in completed and came to the wrong conclusion. They only investigated XXXX of the XXXX claims and reviewed XXXX transaction that I reported as nonFraudulent. They also did not consider the police investigation which is currently investigating the crime of id theft and grand larceny ongoing at XXXX police department ( XXXX preicident, case no. XXXX ). Furthmore American Express failed to consider that these transactions occurred in a different cityThan where I live and XXXX transactions at the same time at a gas station. Additional I was traveling in XXXX when these transactions occurred and could n't made these purchases. In summary American Express failed to investigate stolen money from my account and did n't investigate all the transactions or the correct transactions. They did not work with police investigating the crime and not supporting the police investigation. I would like my claim investigated and my stolen money returned and for American Express to work with police and examine the facts of the case
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. StatXXXX issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
On the Equifax.com website they present the end user with security questions in order to access the annual " free '' credit report. For example " Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security " test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their " member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search " Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.
I didn't know if a XXXX XXXX debt on my credit report till my mortgage loan officer said I needed to pay it. I paid the debt XX/XX/XXXX of {$180.00}. I requested a letter ( per my loan officer 's request ) stating that the debt was paid in full & will be taken off my credit report. Diversified Consultants emailed me a letter stating the debt was paid but not that it will be taken off my credit report. I called and a very hateful lady answered, saying they don't take it off the report. I asked if they put it in the report & said she yes but they don't take it off. I asked who does so I could contact them since this is the ONLY thing on my report that is stopping me from being able to close on my house. She said she didn't know. I asked when will they report to the credit bureau that the debt is paid, she said 30-45 days. I said I can't wait that long but she didn't seem to care & told me the conversation was over. My complaint is that this collection agency is quick to report but after the debt is paid in full, they don't really care to help to get it off of your report. & to top that when they reported the debt my score dropped 19 points which also disqualified me for the USDA loan. This is so wrong on so many levels & someone needs to do something about it. Please help!
I had made payments on the XXXX mortgage for over 10 years with out a late or missed payment. PNC Bank asked that I pay in full and when I requested a hardship modification in XX/XX/XXXX they sent it to me on XX/XX/2015. When I contacted PNC Bank they indicated I had 30 days to complete it and that my representative was XXXX @ XXXX. XXXX. When I reviewed the documentation is does n't have XXXX 's name or due date. When I contacted PNC again they indicated I had until XX/XX/XXXX. I contacted them again and was told it had to be received by XX/XX/XXXX but should be postmarked by XX/XX/XXXX. No where is this stated. This is the 2nd time PNC has sent me Hardship Documentation with no due dates specified, the 1st time they denied me saying they received it too late. It was too late by a day. This is systemic behavior of 'moving goalposts ' to an avoid a loan modification.
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Ocwen Financial sent me XXXX XXXX forms. The corrected one states only $ XXXX+ in interest paid, the other states $ XXXX+ interest paid in XX/XX/XXXX. In XX/XX/XXXX, we paid $ XXXX+ in interest. The customer service reps at Ocwen contend that I should add the XXXX figures, however, the corrected one is the actual XXXX used by the IRS, hence " corrected ''. They are unable to give me a loan amortization schedule for reconciliation purposes, furthermore if we add XXXX XXXX forms, we will outstrip interest paid in XX/XX/XXXX. How is this possible when the interest rate is fixed, is n't the interest paid decreasing in value every year for fixed rates with no changes/no lates, etc ...?
Transunion is refusing to update account balances and update my XXXX score on these two credit card accounts accounts : 1. XXXX XXXX XXXX XXXX   Balance {$100.00}. Reported from creditor on XX/XX/XXXX.

2. XXXX XXXX XXXX XXXX Balance {$470.00}. This account should be reporting and update aroundXX/XX/XXXX. I have had past issues with these accounts not being updated by Transunion on time.
Monterey Financial continues to Re-Age a delinquent account, as well as increase the amount owed. The account was originally reported on my credit on or around XX/XX/XXXX. The account now reflects the open date to be XX/XX/XXXX. It also has increased by approximately {$2000.00} dollars from what was originally reported. I have provided information to the company that proves that the account should no longer be open, but they refuse to investigate with the original creditor as well as the business where the product was returned to and contract cancelled. The account number also continues to change within several emails and dispute inquiries.
XXXX XXXX XXXX {$850.00} I have never heard of this ... ... this is NOT mine
Date of Incident : XXXX XXXX, 2016 Contact Number Displayed : XXXX Time of Call : XXXX MST Company Name : GC Services L.P. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Agent Violating my Rights : XXXX XXXX Under the FDCPA : Section 807 ( 11 ) of the Fair Debt Collection Practices ( FDCPA ) requires a debt collector to inform a consumer in the initial communication with the consumer that " This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' During the call XXXX verified identity by saying is this XXXX XXXX. I said yes and she proceeded to attempt to verify my address. I said yes and then she proceeded to state the required Miranda statement. 

They did not properly verify my identity before they proceeded to provide information about this debt.