WillisBack/dataset-financial-user-claim huggingface dataset:
Private Student Loan Account has been disputed with Equifax Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with XXXX XXXX XXXX. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called Equifax to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for XXXX XXXX XXXX only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX  and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018XX/XX/2018, XX/XX/2018 XX/XX/2018, and again todayXX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}. <P/>I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ). <P/>My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account. <P/>Therefor ; I am making a claim for my funds in the amount of {$2000.00}. <P/>Thank you for your time with respect to this situation. <P/><P/><P/><P/><P/><P/>Sincerely XXXX XXXX XXXX XXXX XXXX
To Whom It  May  Concern : I am not writing to dispute the accuracy of the way my loan or the payments of the loan have been calculated, rather the appalling results of how the account 100 % benefits the lender and leaving the consumer ( me ) treated extremely unfairly.  Below is  an explanation of why I feel this way.   I finished my school education in   XXXX     and shortly after consolidated my student loans with  Great Lakes Borrower Services.  At that time my balance was {$68000.00} and today ( nearly 12 years later ) my balance is {$76000.00}. You would think I have not made any payments and the result of that is fees Etc. increasing my total loan amount, but that is far from the case.   My first few years out of college I did struggle to find a decent paying job that would allow me to make payments on my account but I did what I could and asked for deferments when I knew I just could not make the payments. I asked for assistance on the loan amount, but none was ever offered nor provided so I would have to defer my payments until I felt I could start paying again. At times I would pay small amounts just to make some sort of payment. Whenever I came into a bit of money I would try and make larger payments to also reduce the loan amount. I finally was able to get on my feet and start working a decent paying steady job and making my payments every single month so here is my main complaint.   I have not paid very close attention to my loan balance since I knew I had to pay on it a while, but recently looked at what I currently owe and I about had a   XXXX   XXXX  . Over the course of my loan I have paid {$31000.00}, but  STILL ow e {$76000.00} on a {$68000.00} loan! Seriously! I did some research on my account and notice that out of the {$31000.00} only {$1700.00} has gone towards my principle! Also, during the time I kept expressing concerns about not working and trying so very hard to pay what I could I was hit with thousands in interest charges! So somehow I have paid bac k ~45 % of my loan, but still owe ~110  % of the loan! How is this even legal?   At this point I am not even sure paying the loan is worth it or even an option since the more I pay the more I owe. I understand the concept of borrowing and paying interest, but the way this whole thing has worked out it seems like this is taking advantage of consumers not only when they are at their worst, but also at their best. At a minimum I would hope that the institution would waive the {$9500.00} of interest charges they hit me with while I was struggling to work and asking for assistance.     I thank you for your time in reviewing my complaint.
I have had a mortgage with XXXX for my home in XXXX, CA XXXX for over 15 years. 
XXXX sold my loan to Mr. Cooper in XXXX of 2017. We sent in proof of homeowner insurance. Mr. Cooper could not for some reason receive the insurance information. We sent it to Mr. Cooper several times. They acknowledge the receipt on the phone but have not corrected the escrow payments online. They continue to charge me escrow fees and now late fees for the unpaid escrow payments. 
The company has not sent any notices and my only contact has been from Mr. Cooper representatives when I call in. 
My credit score has been affected going from XXXX to XXXX! 
I am at a loss as to how to correct this disastrous situation.
In XXXX of 2015, I received a credit alert from my credit monitoring company stating that a collection account was placed on my XXXX credit report. Upon reviewing my credit report the same day, I discovered that Trident Asset Management LLC place a collection account for an unknown debt. This is my first knowledge of the alleged debt. Within a few days I sent a debt validation via the United States Post Office Certified mail to Trident Asset Management LLC informing this company that I was enforcing my rights under the Fair Credit Reporting Act. I received a letter from them, along with my ORGINAL LETTER for validation back with their letter stating that if I dispute their claim ( which I did in my ORGINAL LETTER ) to do so within 30 days. Trident Assets Management LLC has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by ignoring my request for validation and dispute, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809. Also, in my letter I clearly stated the laws and there definitions. I received another alert from my credit monitoring on XXXX XXXX, 2015 after requesting validation/disputed, stating that Trident Asset Management has again placed the same alleged collection account on my XXXX report. Trident Management has clearly ignored my request for validation and disputes as well as Federal Law.
I'm submitting this complaint due to what I believe is a predatory lending scheme perpetrated by Freedom Mortgage. 

I first purchased my home in XX/XX/XXXX using a VA loan. I refinanced several months later to a much lower interest rate and mortgage payment offered by Freedom Mortgage : from 4.125 % to 3.25 %. 

My original mortgage payment with Freedom Mortgage was $ XXXX/month. Several months later, I received a supplemental tax bill from my local tax assessor for the taxes due as a result of the reassessment of my home 's value. Freedom Mortgage agreed to pay it and informed me that my payment would increase for 12 months to $ XXXX/month ; an increase of $ XXXX/month, which I completely understand and was fine with. 

Last month, I received a billing statement from Freedom Mortgage showing my monthly payment is increasing to {$4300.00} per month in XX/XX/XXXX! I was expecting my payment to return to the original amount of $ XXXX/month, so I was shocked when I received this. 

I immediately called and sent a follow up email. Their response was simply that my property taxes and property insurance went up. To be clear, my property insurance only went up by around {$20.00} per month, so that is a non issue. 

The bottom line, and why I'm filing this complaint is this : Freedom Mortgage failed to perform their due diligence when they assumed this mortgage from the previous lender, or they engaged in a bait and switch tactic. They know the sale price of my home, and they should also know the property tax rate for my area in California ; especially given the fact that property tax rates in California have been capped at 1 % due to Proposition 13 since XX/XX/XXXX!. They simply took the amount the previous owner had been paying for property taxes, based on a much lower recorded property value, and plugged that into their equation. This is either an egregious mistake on their part, or as I stated, a form of predatory lending. 

Either way, my monthly mortgage payment has increased from {$3300.00} to {$4300.00} over the past 18 months or so ... .an increase of over {$1000.00} that I can not afford! 

Please investigate this matter and help me out. I was directed to this site through the VA Home Loans Assistance website, so I'm sure I'm in good hands. 

Respectfully, Disgruntled U.S. XXXX Veteran
I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. 
Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. 
I believe this is an unfair treatment.
Multiple FDCPA Violations by Collection Agency and  lawfirm XXXX XXXX XXXX. This agency is attempting to collect charges for a fraudulent account opened with Capital One Credit. This is identity theft yet they claim this account is verified by Capital One. I dont see how that is possible since Capital One deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : XXXX sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

XXXX advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and Capital One as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with XXXX XXXX XXXX Collection Agency and listed on their website. 

I have notified XXXX XXXX XXXX as well as Capital One via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.
I just received an alert on my credit. A new account was added to my credit by Stellar Recovery. The account says it was from XXXX. 
Please be advised I was not aware XXXX still exist. I have had XXXX as my internet and television service provider for the past 10 years!!! 

Moreover, I have never received a notice from XXXX nor was I ever contact by Stellar Recovery so it was quite a surprise when the unknown entry appeared on my credit and lowered my credit rating. 

Stellar Recovery Account number XXXX
MY INSURANCE COMPANY, XXXX XXXX & XXXX XXXX SAYS BILL WAS SETTLED
Experian has switched my social security number with my deceased husbands number. He has been deceased for almost 17 years. I was denied credit recently because of this. This has not been an issue until recently. I have been trying to get this corrected with them but I have been getting a different answer every time I call. The last call I was told that it is against the law for them to change the ss number without proof but they did not have any proof when they changed it to the incorrect number. I uploaded a copy of my SS card twice, the first time they said they could not read it and then I was told they never received anything. I have now sent everything registered mail with signature required. I am being told it should be corrected within 3-5 business days after the receive it.
I have an excellent credit score and I am being denied credit because Experian has for some unexplained reason changed my social security number. This should never have happened and I am having to jump through hoops to prove their mistake. XXXX XXXX
I have file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus Trans Union, XXXX, and XXXX. Please see attached complaint.
For nearly all of 2017 thus far I have not been able to access my credit card statement for my Barclays ( Barclays Arrival+ card ) - I am signed up for electronic billing and I get emails letting me know my statement is ready but every time i try to access it from the site after logging in their website gives me this error : " We 're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' I have messaged the company via the site and phoned in and have not gotten any resolution at all. I have the same problem in all internet browsers and on both XXXX and pc platforms. <P/>Not being able to view my statement means i have no way of seeing what portion of my bill is subject to what interest rate among other details I have the rights to see.
Experian reflects way too many hard inquiries, some are nefarious in nature. I have froze my account and advised them that someone has my Soc Sec and other info. Below is inquiries i did not solicit, and they sure did not show up on their own. Someone is looking to get credit in my name, and also affecting my credit. See below.. 

XXXX XXXXd Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX, inc Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX+ Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX +
multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over 8 years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.
In XXXX 2018 I disputed a account with Equifax that not reporting 100 % accuracy .. The alleged account is XXXX XXXX XXXX XXXX # XXXX.. Equifax reported back that the account was verified and reporting 100 % accuracy.. Well today as of XXXX XXXX2018 I noticed that the account is charged off and has been sent to another agency sold to another lender,, and Equifax is not reporting 100 % information on my report, The account is sold and Equifax has failed to report the information 100 % accurate and the alleged account needs to be removed from my Equifax file. I have enclosed a copy of my recent report with Equifax and the account is not reporting the sold account information. Equifax please remove the account from my file,, your company is in violation of the FCRA. And my rights have been violated. The account is sold I've called and spoke with the original creditor and they advised me that the account is sold,, so the credit company is not reporting the information accurate,, I found out this information from the original creditor and its Equifax job to report 100 % information on my report, and Equifax failed to do so,,, ,so please delete this or I would be subject to file a small claims for your violation and non-compliance In the pictures enclosed it shows in the remarks that the account is charged off only,,, where the status should show sold to another agency or outside lender,,,, thank in this matter
C AP ONE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  Thi s inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
I received a call from XXXX from NCC Business Services XXXX XXXX XXXX XXXX, Florida XXXX today. This is the 10th call I have received during the past few months about a debt that I never owed but they won't stop harassing me. I have no debts and never have had any debts and I learned from the internet from various websites that this company is fraudulently calling people trying to scam them into paying non-existent debts. I hope you can stop this scam.
I paid this debt and the debt collector promised that once I paid the debt they would remove the item from my credit report. They did not honor the agreement and only updated it as paid
Citi Bank sent me an offer in the mail received today XX/XX/18 for a new AA Platinum Select Card with  XXXX bonus miles after spending requirement. I read it carefully and there was no mention of a previous account exclusion to the offer. Having been fooled by such an offer before, I called Citi Bank to verify my eligibility for the offer they sent. After being transferred around to different departments, I was told that I am not eligible for the bonus miles offered in the mailer. 

This is a fraudulent practice clearly designed to XXXX consumers into applying for a new credit account and spending a lot of money on their card, only to be denied the reward offered with no warning.
I have written several letters to Experian, XXXX and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
On XX/XX/XXXX i get a fraud alert thru Identity guard about a collection that i do not have with this company which is I C System Inc. in amount of {$210.00} unknown what its for so i did my research thru Secretary of State in Texas and see they are not bonded in Texas and can not collect a debt in Texas i used the physical address and the pobox address and they can not be located so meaning not bonded in state of TEXAS TO COLLECT DEBT and i request this come off my credit file immediately so according to Secretary of State Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State
I was doing a shortsale with JP Morgan Chase, my agent received an email on XXXX/XXXX/XXXX stating that the offer had been approved by the investor ( XXXX XXXX XXXX XXXX and that she would submit the file for decision with Chase and that a response would be received in 5-7 business days. 

Then on XXXX/XXXX/XXXX my agent received communication from Chase stating that the offer had been declined by management. 

When my agent followed up the same day trying to find out how that is possible since the offer was already approved by the investor. 

Because of this the current buyer withdrew their offer, but my agent found another buyer who stepped up and signed a contract to purchase the property for the same amount of the previous contract which my agent submitted to Chase. 

But on XXXX/XXXX/XXXX she received an email from a XXXX XXXX at Chase stating that the shortsale had been declined by the servicer. 

She was told by the negotiator XXXX XXXX that they new offer would be reviewed. 

No response has been forth coming since that day.
I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.
I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.