WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was signed by XXXX at XXXX. I was given an " Application & Disclosure Package '' PDF that includes " Notice Concerning Private Mortgage Insurance Initial Disclosure - Fixed Rate Mortgages '' that states I 'm eligible to have PMI removed on " The date the principal balance actually reaches 80 % of the original value of the property ''. 

This was a 30 year fixed rate conventional mortgage. I occupy the property. It 's a XXXX unit property. 

After reaching 79 % LTOV I called US Bank, my loan servicer, to start the process of removing PMI. The original phone guy I spoke to verified I was good to go and said he would send me some snail-mail about how to start the process. 

I received a letter from US Bank containing " Guidelines for Private Mortgage Insurance Cancellation ( Multi-Family and/or Investment Properties '' that says I must reach 65 % LTOV ( contradicting the 80 % in my disclosure from XXXX ). It also says I am never eligible for automatic termination of PMI ( which is also a contradiction to the disclosures sent by XXXX at XXXX- although it 's not affecting my situation ) When I called US Bank to straighten this out, after some phone tag to get to the right department, they said they do not have the documentation for my mortgage so can do nothing, but the will try and find it in their document center, which can take a week ''
I took out a title loan in XX/XX/2017 and didn't make a payment due to loss of my job as well as getting XXXX XXXX  XXXX which landed me in XXXX for 12 days on XXXX XXXX. I recently got my truck repossessed which I understand but they are trying to say I owe them XXXX to receive my vehicle. I am willing to pay them via my parents who now know but didn't previously. My mother said she can pay like {$300.00} a month but not everything all at once.
I can not get a copy of the promissory note I signed, the one I received was forged and the amounts were incorrect. I withdrew from XXXX XXXX XXXX and did not get refund. I had my loan rehabilitated after threats from 3rd party XXXX XXXX with XXXX. I have not been able to find out why or where my payments to both XXXX and AED do not add up? I can not get an honest answer or assistance. How long and how much do I owe on a loan for less than {$4000.00} and how many years do I have to keep paying? I was told I would qualify for public service forgiveness and then told I do not qualify? 

Why do I have balance sheets that do not have total payments made? Why do my payments keep changing? How much in fees have been added to my loans? What is forbearance? Who profits from these loans? Why do both of these loans show XXXX XXXX XXXX?
I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.
I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you
For years I have made numerous attempts to get Dept of EducationXXXX Navient to rectify the inaccurate information reporting to all XXXX credit bureaus pertaining to late payments on my students loans. Loan # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX are all reporting as late for XXXX XXXX and XXXX XXXX. I previously spoken with representatives, supervisors and disputed with the credit agencies to which all resulted in findings stating the late payments were accurate. 

I finally was able to validate my accounts with a representative XXXX on XXXX/XXXX/XXXX at XXXX XXXX EST, employee code XXXX which she confirmed all of my loans were in a voluntary forbearance. From XXXX loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were in a voluntary forbearance and from XXXX loans XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX were as well. At no time were my student loans in a negative payment status for the time reporting on my credit report. 

I am requesting that you review my credit report, voluntary forbearance status and delete the negative payment history, which has been reporting negatively for years. The inaccurate information report to the credit bureaus XXXX and XXXX has negatively impacted not only my credit but also my life. 
I have made multiple attempts to have you resolve these issues and have been forced to file a complaint with the Consumer Financial Protections Bureau. 

I am asking since these loans have been consolidated that these accounts either be updated to reflect no negative payment history or they be removed from my credit report in its entirety.
We filed chapter XXXX bankruptcy and the bankruptcy was closed in XX/XX/2018. Citi Bank had an account on our bankruptcy for Home Depot. Citi Bank had a judgement against us, which was on the bankruptcy filing. We have been trying for approx. 3 weeks to get Citi Bank to send a release on the judgement, as it is holding up our closing on a home. Citi Bank recovery dept.is telling us that they don't need to do anything, since there was no lien. Our mortgage company won't close without the release.
In XXXX XXXX Equifax removed a collection on my report and in XXXX of XXXX they put it back on my report the collection in reference is XXXX. I have disputed this collection XXXX or3 times since I have never lived in these apartments-my question is since they removed it in XXXX XXXX after 7 years do I have to wait another 7 years?
On XXXX XXXX, XXXX I received a letter from Macy 's credit card saying that I had a past due bill. I always make on-time payments and so was surprised to get this notice. I had not received a bill from them. I have always received e-bills in the past and have not changed my email address. I followed the usual procedure that I have in the past to access bills online but was unable to access a bill. 

On XXXX XXXX, XXXX I called the number on the letter and was told I owed {$300.00} for charges made on XXXX XXXX, XXXX. This included {$160.00} in charges for merchandise purchased and the remainder in late fees and interest charges. I paid the {$160.00} immediately and asked that the late fees and interest be refunded since I had not received a bill for the {$160.00} in charges or instructions for how to make a payment. I was told that they could refund {$74.00} in late fees now but that I would have to call back in 3-5 days to have the additional {$64.00} in late fees and {$7.00} in interest refunded. I will do so but have a number of concerns : 1. It was never explained to me why I did n't receive a bill when I have received e-bills in the past, and as I said above, I have not changed my email address. I 'm concerned that other people may be similarly affected by this. 
2. I 'm concerned that there may be negative information listed on my credit report as a result of this incident and would like to be assured that all negative information will be removed since I should not be held responsible for any late payments because I never received a bill. 
3. I also want to be assured that all fees and interest will be refunded to me.
I was given Gift card to Lowes, I have a credit card with lowes and wanted to use the gift cards to pay against my balance instead of making a purchase. I could not do this online, so I went to the store they could not and would not do this. Finally I called lowes.com to help me get this done they refused it is against their policy nor will they cash out the cards so i can apply it to my payment. You are suppose to be able to use these cards for what you want, but that is not true you cant use them to make a payment. This is not right they are cash. Real money was used to purchase these cards and you should be able to use them how recipient sees fit. I do not understand how this can be right real money was used to get the card, and since they are money I should be able to use my money how I want instead of having to purchase products. I want this fixed for all consumers they either need to have a way for us to use these cards to make a payment or they need to refund the amount on the card in cash so that I can. Lowes will not do either they will not give me the money on the card so i can make a payment nor will they take the gift cards as a payment. My gift cards total XXXX so this important to me.
On  XXXX  I called  Suntrust Bank to try to get an extension on the remaining balance I have with them of {$850.00}. My v ehicle was totaled and between both insurance companies the bank has received over {$24000.00}. I have never been late on a payment. I even asked to speak with the supervisor ; his name is  XXXX  he did n't want to assist me either. I advise him that I am unable to make the payment due to me being unemployed and needed the extra time. I also advise him that they just received a payment from my insurance  XXXX . I never have experience anything like this
I purchased a new 2018 XXXX XXXX at XXXX XXXX of XXXX at XX/XX/2018. The negotiated price for this vehicle is XXXX, but we actually paid XXXX without the interest. The reason is during the final finance process, the finance person ( XXXX ( XXXX ) XXXX ) intentionally changed the contract without notify us. 

He is so misleading. He said we must include a maintenance package in order to apply the loan, but we found it not necessary to buy the maintenance package later. 

He pushed us to sign all the contract under the condition that we did not fully understand the contract. Besides, he did not explain all the details, even he did not mention that he let us to sign a service contract with worth XXXX $! Moreover, our vehicle already includes a ResistAll package that covers for 4 years. But he changed the coverage year to 7 years without notify us and charged us additional XXXX . However, after we signed the contract we realize that the year is wrong. But he said once you signed it, it could not be cancelled. Also he charged twice for ResistAll, one is for 4 years and one is for 7 years. It is nonsense to have two ResistAll packages! 

The reason why we did not find the error immediately is that the total additional charge ( XXXX $ ) is the same as our down payment ( XXXX $ ), and he only showed us the remaining payment after the down payment, which we think is the full price. Such things are really misleading!
It was sometime last week I recall no it was early this Monday the XXXX I know my credit needs help that's the entire point I tried capital one for low credit score to help rebuild ( not approved ) not right at all
On my credit Report, Navy Federal Credit has 3 separate reporting on each of the credit bureaus claiming that I owe them money. as follows : Car loan XXXX balance owed XXXX Checking line of credit : Balanced owed XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX Credit however, stated credit card was switch in XXXX XXXX to a low interest credit card resulting in closing the credit card. However would not give me exact dates I have requested multiple times for debt validation from the company and refuses to provide Hard copies of the agreements, Complete agreement or information showing that I agreed for them to close my credit card account and switch it to a low interest payment when I was never late. When I have attempted to make contact, they informed me that They could not provide me with original agreements, they do not have exact dates in the system of change over, could not tell me the interest on my credit card, car note and that they were not required to provide this information to me. Since My credit report has been affected by this and is constantly changing my report, I requested validation and never have been provided with documentation. They just keep trying to get me to agree to making payment on my account when I stated That I do not believe I owe an I want to know exactly where they are getting payment information from, what contracts they have proving I opened theses accounts and agreed for my credit card to be shut off and to a low interest payment. When I asked again for verification after they updated my report and changed the number again and asked them how are they able to do this, they stated when you dispute all we have to do is give the credit reporting agency you information and a balance. The agent also said we do n't have anything in our systems because it is too old. And when I asked why is information different on every report he said if I agree to a payment play the balance can be corrected and reports will update to reflect payment plan. When I refused and asked to speak to a manager he hung hung up. I also have asked several time to verify that my address. Navy Federal is purposefully damaging my credit since I began disputing, changing account numbers, reporting balance as XXXX once month then changing it the following month which keeps drastically changing credit report and Is causing me to be declined for everything. The also have been reporting to my credit that I am late every month when I have not used these accounts since XXXX and requested for my payments to be held per my insurance due to daughter being born XXXX XXXX and on Medical leave of absence. If you look through all of the attachments, You will see the different balances reported, amounts due, account numbers, and how every month something was reporting differently. This should be illegal.
Multiple hard pulls of credit report for credit application On XXXX XXXX 2016, I applied for Synchrony Bank WalMart store card. At the end of the application, I was told to call an XXXX number to verify some info. I called on XXXX XXXX. I was told my physical address is needed in addition to the XXXX XXXX I had stated on my application. I gave the customer service associate my physical address. At this point Synchrony Bank ran my XXXX report again for a second for the same application. On XXXX XXXX, I had applied for a Lowes Sycnhrony store card. I received a letter in the mail asking me to send info about my physical address. I sent to Synchrony Bank, the info they requested and the letter was received on XXXX XXXX. Again Sycnhrony Bank ran my XXXX report for a second time. Thus, for an application for XXXX Synchrony Bank cards, this bank ran my XXXX XXXX report four times. I had applied for a XXXX XXXX card and I was told to call to provide my physical address. I did and my report was ran once, which was the date of the original application, XXXX XXXX.
XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called XXXX times and they kept giving me the run around. I 've sent in the proper documents and still no results.
Wells Fargo is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.
I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from Experian and XXXX  and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file
CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX XXXX ) to verify a public record. My XXXX XXXX credit report is frozen yet they claim to be using them to verify this public record below. 

XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet XXXX  keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. 

the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i  ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. 

XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.
I applied for an auto loan through  XXXX   XXXX   XXXX . I did not know that they would be sending my information to other companies that would run my credit.  XXXX   XXXX  said they had in house financing with their bank. I got a lot of hits because of it. Had I known that they were going to do that I would not have applied for a loan and figured out a better way or went to  a buy here pay here. They sent me a letter stating I need to send them verification of my address and ID to sho w who I am. They sent it on  XXXX   XXXX . I went online to check on my disputes and they had already made a decision on my dispute before I even sent out my verification info.   I am currently trying to get my finances in order to prepare to buy a house.
I getting almost daily calls from this agency, threatened and tried to garnish my unemployment benefit, I am still unemployed
Gla Collection Compa has sent a debt to all three credit bureaus of a {$32.00} debt that was handled by my Medicare and Medicaid. I have spoken to my Medicare insurance provider and they stated I shouldn't have any claims sent to the credit reporting agencies as this is an violation under the FTC under Medicare Filings act. XXXX XXXX XXXX XXXX sold the account to GLA collection which I notified GLA of this violation and they told me they was going to continue to report it anyway to the credit bureaus. I sent legal affidavits to the credit porting agencies and GLA keeps verifying the debt is in compliance of the FCRA which it isn't. Now I am requesting the CFPB to get involve, Medicare has stated to me several times to file with the CFPB against GLA, since GLA willful violates federal laws.
I was a happily Chase customer for more than 2 years when i was in High school back in XX/XX/XXXX-XX/XX/XXXX. Recently I was trying to open an account with them ( Prepaid card, Chase Liquid ) since i'm being denied for a regular checking account with them as well, they don't give you an explanation on why your being denied. I DO NOT OWE THEM MONEY. I had an account with them back in XX/XX/XXXX and it was closed due to some deposit that someone made on my account witch it wasn't even mine ( came back as returned ). The person who did the deposit on my account it was a friend of mine ( not anymore ) and he took out like {$100.00} dollar from one of the check that day, but since the check came back as returned i had to pay the {$100.00} dollars plus a fee. I call chase, and they said I DO NOT OWE THEM MONEY and i'm still being denied by Chase.