WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Re : INCORRECT ANNUAL ESCROW DISCLOSURE STATEMENT for borrower paid mortgage insurance, XXXX XXXX XXXX, CA ; Account ***** ; Loan number ******. PMI INSURANCE WAS DELETED FROM MY LOAN effective XX/XX/XXXX. 

Dear Annual Escrow Statement Person, I went through considerable time and effort to remove the PMI, including hiring an appraiser on my own dime. As a result of that effort, I received the enclosed letter date XX/XX/XXXX cancelling my PMI Insurance based on investor guidelines. See EXH 1 - Letter cancelling PMI. My home is worth twice as much as I owe. 

Imagine if you were me and the disappointment you would feel if you found LoanCares Annual Statement showed disbursements to PMI Insurance when you had cancelled the PMI. See LoanCares Annual Disclosure Statement, dated XX/XX/XXXX. 

I would appreciate if LoanCare would remove those PMI charges ( and any other inappropriate charges ) and send me an Amended Annual Disclosure Statement reflect the appropriate charges. I need to know how much I really owe LoanCare so I can make appropriate payments ASAP. 

This overreaching must not continue. 

Best Regards, ******, XXXX  XX/XX/XXXX Cc : file
I had a vehicle loan with Ford Credit. They had my phone # and Email account to contact me anytime they needed. They called and would leave messages of call us, but never an email or call mentioning that pay or we will repo your vehicle. In fact on their web site for my account it said nothing of pay by XX/XX/XX date or we will repo vehicle. Suddenly on XXXX/XXXX/15 a tow truck comes at midnight and takes the vehicle, I ask the guy why and he says for Ford Credit. I go in and check my account online and it says the loan is past due but still no warning of repo. 3 days later still no warning of repo, so I send internal message to their support board from my account login stating this is wrong, what is up and why no fair warning. XXXX later they close the access to web account, I get a call from them asking me to pay some payments, I ask why if you have the vehicle already? The gal says oh and hangs up on me. How can Creditors get away with operating this way? Now after 9 days ( on XXXX/XXXX/15 ) I get a letter stating the vehicle was repo 'd on XXXX/XXXX/15 and that on XXXX/XXXX/15 it will be sold at a " Private Auction '', unless I pay them the full balance before XXXX/XXXX/15 - really I got the letter on XXXX ( Saturday ) and XXXX in Monday giving me 3 days to cough up the money and get it too them!! I feel this was handled very poorly, and unfairly.
I have sent Nationwide Recovery Services letters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!
I am a TD Bank customer from last 2 year and holding cash back credit card with TD. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with TD. In last few months I applied for few credit card and all got rejected. While checking with TD bank, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with TD at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
I filed a dispute with Experian for incorrect information in my Credit Report, Report Number : XXXX, they said it was still open. Please refer to CFPB case number : XXXX. Today they closed the dispute without correcting/removing the incorrect information and still saying the account is mine. Everything remained the same. They have failed to provide proof of ownership for this account. 

I have contacted XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. This account does n't belong to me, and I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Both, XXXX and XXXX have concluded their investigation and removed the account from my credit report. They have verified the account is not mine and Fair Credit Reporting Act, states you are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this, I am liable for the account??!?! How is it possible, XXXX credit reporting agencies have investigated and concluded the account in question is not mine, and updated the information accordingly, you still say the opposite? 

Experian needs to correct / remove the following information from my credit report :1. Address : XXXX XXXX XXXX ( This Address is not mine ) 2. Fraud Alert : An Alert was placed on my file without me requesting it. Please Remove it ASAP. 
3. Credit Account ( XXXX ) : Experian need to provide proof I opened the account in question, the purchases that were made and signed documents. I have already filed a complaint with XXXX on XXXX/XXXX/2015 against Experian. Complaint ID : XXXX. 

If you still insist in keeping the account there, and not correcting / remove the incorrect data, I will escalate this to the FTC, my state attorney general, and will sue Experian.
They call my cell phone every 10 min, all day long. When I originally answered the 1st call weeks ago, they were very vague on where they were calling from.
XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XXXX and most recently in XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report.
On XXXX/XXXX/15 a hard credit inquiry was reported by Experian. The company reported was XXXX, no other identifying information on the credit report. I have been a victim of identity theft since XXXX 2015. I have never applied to XXXX for credit or any other reason. Since this hard inquiry affects my credit report I need to have it removed from my credit reports. I have fraud alerts in place at present time, however, I am still getting hard inquiries. How do I resolve this whole situation?
On XX/XX/XXXX, I reported an error on my TransUnion credit report ( only  ) which added an unknown name to my report. All other information from the unknown individual was merged with my transunion report which dropped my score and forced my report to lock after reporting the error. I filed error reports both orally to TransUnion on two phone calls, two weeks apart from one another, and one report digitally through XXXX. The error report filed through XXXX is still open and states that the report estimated close date is XX/XX/XXXX. Because the date had passed and the other two phone calls yielded no results, I called XXXX a third time - this time requesting a supervisor. The supervisor informed me that the case had closed on the XX/XX/XXXX and that all 3rd parties reporting the case were wrong ( XXXX  ), and that TransUnion does not inform consumers when cases have been closed and/or what the conclusions were. I was able to get the supervisor to acknowledge that the name added to my report was still on the report erroneously and that it would now be removed 3-5 days from that call ( on XX/XX/XXXX ). However, my credit score is now lower than before and I have been harmed by this issue caused by TransUnion. The supervisor refused to admit that harm had been done to my credit file and that the score I was seeing was correct, only stating that 3rd parties use different methods of calculation which could be why it is now lower. My credit has not changed in the last three months that this dispute been open, and the other two bureaus have my unchanged score from before this had begun. I am being punished for a mistake that TransUnion made on my credit file, I have been unable to use my credit to open new accounts or apply for necessities such as a new phone payment, and I am now coming out of this still unsettled dispute with lower credit. I have no option but to accept that a merge of my credit file with someone 's credit file has lowered my score, even though all other elements of their credit has been removed from my report.
I had a lease through Lexus Financial Services ( LFS ) for a XXXX XXXX XXXX ( payments on that vehicle were made via auto-pay ). This past XXXX, I returned the XXXX vehicle and then got a new lease on a XXXX model, also financed through LFS. 
In XXXX, I made my final payment to LFS for the XXXX XXXX ( via autopay ). Also, in XXXX, my dealership ( XXXX XXXX XXXX of XXXX XXXX ) made my first payment to LFS for the XXXX XXXX. At that point, I now had only the XXXX vehicle -- NOT the XXXX vehicle. 
In XXXX, I was sent a bill from LFS for XXXX for my XXXX XXXX ( which I expected to receive ). However, they ALSO took an automatic payment for the XXXX vehicle ( XXXX ) which I no longer had. This should not have happened. 
When I called LFS, promptly, to advise them of this, they apologized for the error and told me they would either send me a check for the XXXX or they would credit my XXXX account for the XXXX. No big deal -- all was fine, as far as I was concerned. I opted to have them credit the XXXX account for XXXX. As for the remaining XXXX balance on the XXXX account ( XXXX minus XXXX ), they said that, since the amount was negligible, they would simply tack on that small balance to the next month 's bill. ( FYI, I did, the next month, make a payment reflecting an additional XXXX ). 
Unfortunately, to date, my XXXX account has still not been credited for XXXX, despite the fact that they have retained the XXXX that they never should have taken to begin with. 
I have called literally dozens of times to get this corrected -- as has my dealership -- but NOTHING seems to get fixed. They 'll tell me it 's fixed, but when I later check the account, it has n't been fixed. This week, I received YET ANOTHER bill demanding a double payment. When I call, they threaten to send me to collections. I feel like they are trying to extort money out of me and I do n't know what to do anymore. 
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I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
The service provider of my mortgage, Bayview Loan Servicing, wanted to initiate a modification of my loan conditions based in a Hazard Insurance policy added to my loan for an amount of XXXX XXXX/month. Bayview said that it was included to my mortgage due to the lack of answer from my Homeowner Associations to their proof of hazard insurance request. 

Once after Bayview acknowledged that they received the corresponding proof of Hazard Insurance from my Homeowners Association ; Bayview decided to remove the mentioned fee as per Bayview letters attached to my previous CFPB complaint # XXXX of XXXX XXXX XXXX. 

My loan was modified and signed by Bayview 3 years ago and adjusted to my XXXX XXXX income that to present has not changed and is still for the same amount. I can not accept Bayviews new loan modification proposal without a legal ground or proper reason. Bayview XXXX wants to increase my monthly payments progressively, change my mortgage interest rate from fixed to variable, and extend the number of payments from XXXX to XXXX making the current mortgage period from 24 to 33 years. 

Because I have not accepted these changes, Bayview has filed a foreclosure request on XXXX XXXX XXXX, and suspended it on XXXX XXXX XXXX. This seems to a way of intimidation and harassment. 

Frivolous foreclosure grounds : Bayview has filed a frivolous foreclosure on the XXXX XXXX XXXX district ( ( Foreclosure case # XXXX ) against my home using the false statement that I have not paid my bills since XXXX XXXX as a mean of pressure against me because of my denial to accept their modification proposal. Making a foreclosure of a home is a very serious matter. They should have started by asking me for proof of my payments instead. 

I am current on my mortgage payments to them as shown on my Bank statements sent to Bayview through CFPB on XXXX XXXX XXXX ( complaint # XXXX ), but even after receiving my proof of payment, XXXX hasnt closed the foreclosure case. 

Bayview has returned my XXXX XXXX mortgage payment to my Bank 4 times, and just returned my XXXX XXXX payment too, Bayview stayed in its answer to CFPB that they are unable to accept my payments because my home is in suspended foreclosure dated XXXX XXXX XXXX. Their foreclosure was based on the false allegation of lack of payment and I consider it falls into the range of frivolous foreclosure. 

I therefore request this foreclosure case to be closed in the next days, or I will be forced to start a demand according to Fla.Stat. sec. 57.105 to dismiss frivolous foreclosure action with prejudice. This situation is really affecting my health negatively.
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX, in concert, have failed to investigate or respond to issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
On multiple occa ssions, NCB Management Services  has called me at work. Once they left a voicemail and the other time I picked up. Our work lines are recorded and now our conversations are recorded in my system at work. Now I 'm stuck with the potential of losing my job if that conversation or voicemail is heard during quality testing. Every day I fear it 's my last day because those conversation are recorded and archived. The person was also very rude and would not allow me to exit the conversation.
I opened the account XX/XX/XXXX. 
I withdrew the full balance of the account on XX/XX/XXXX. 
I called to close the account on XX/XX/XXXX and the customer service representative said the account was now closed. 
On XX/XX/XXXX I received a collections notice for {$43.00} because I supposedly had not closed the account and had been overdrawn by maintenance fees. 

On XX/XX/XXXX I called multiple customer service departments including collections and the branch that controlled my account. All said they couldn't reverse the collection even though it was fraudulent and made by a bank error.
On XXXX XXXX, 2016, a fraudulent charged appeared on my Paypal account. I immediately contacted Paypal and disputed the charge a fraudulent. Paypal agreed to removed the charge. When my payment due date arrived I noticed the charge still on the account reached out to PayPal, tried to dispute the fraudulent charge and in direct voliation of the FCRA Paypal refused to allow the consumer to dispute said charge. Paypal directed the consumer to the vender XXXX. When I reached out to XXXX they also refused to allow the consumer to dispute fraudulent charges or provide proof the consumer placed charges on their Paypal account.
My name is XXXX XXXX. I am writing to complain about interest charges made by Santander Bank in the amount of {$34.00} interest rate charge assessed on my Master card # : XXXX on the last statement ( for the period ending XX/XX/2018 ). I do not believe I should have been charged that much according to the terms of the agreement we have. The balance I owed on the prior months statement was originally {$2800.00}, due by XX/XX/2018. I paid a total of {$2700.00} by the due date and the amount I paid posted to the account by XX/XX/XXXX. 

That left a balance owed of {$82.00}. That was the balance upon which interest charges, I believe, was supposed to accrue. I point to the written terms of our agreement ( found on the reverse side of every Mastercard statement from Santander Bank at page 2, left column ) where it states : Santander will not impose interest charges on any portion of a purchase balance you repay while that balance is subject to an interest free period. 

Therefore, under the plain meaning of the agreement, the interest rate on my account ( i.e., 9.74 % ) should have only been assessed on the amount still outstanding -- $ XXXXso that the interest was about XXXX cents a day so the total interest charge should have been about {$1.00} ). However, I was charged interest of {$34.00}! 

Clearly, I was charged interest on the amount that I paid while in the interest free period in contravention of the terms of the agreement we have. I called Santander bank ( i.e., Santander N.A.  ) on XX/XX/2018 ( XXXX ) and spoke with " XXXX '' who agreed the interest charged looked incorrect and that she would note the complaint and I would hear back in 5 days or so. I never did. I called again and was told the bank stood by their calculation, but no explanation was provided. 

I then wrote the bank at their address listed for disputes via letter dated XX/XX/XXXX and waited 2 weeks, but received no acknowledgment of my complaint. I flag this complaint to your office as I suspect this could be a standard practice whereby Santander may be padding its bottom line by encouraging staff to assess interest in contravention of their agreements on Mastercard accounts. 

The {$34.00} interest charge is too small for me to bother with a small claims court claim, so I kindly request your office to look into it if its within your jurisdiction to do so. Thanks so much. 

I think Santander was wrong under the explicit terms of our agreement and ask that you please again review the decision as I think there is human error or a misunderstanding here. Once you have reviewed the matter, please contact me to let me know the result.
I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX, I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success, the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee, I did a payment just for {$24.00}. At that point the website was still " under maintenance ''. After some hours on the phone they realized that I did n't have an " online account '' even when I do. They explained me that the new card with the chip is considered a new and different account, so I had to create a new online account for that, but they never sent me any information about it. Despite they assumed the responsibility, my score credit dropped more than XXXX points and I called XXXX XXXX again, they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user.
I had my vehicle repoed & I had to use XXXX paychecks to get it back & now I 've gotten behind on my loans. I 'm job hunting also for a second income to get caught up since my husband passed. I have references on a loan with Loan Express & a man named XXXX that works there is constantly calling all of my references & my work supervisor on a daily basis even when they 're at work or home repeatedly & also leaving messages on their phones on a daily basis. I sent them a letter stating my references names & phone numbers & asked them to please stop calling these people constantly. However my inlaw told me that yesterday he called her while she was at work repeatedly so much until she stopped answering because he started using other phone numbers to get her to answer & my other references say the same has happened to them too. Also, I do n't know why he 's calling my supervisor but it has gotten me in trouble at work & he wants him to stop leaving him messages also.
I received a {$59.00} rebate card from XXXX on XX/XX/XXXX. It is a prepaid American Express Rewards Card. On the card agreement, it said " a {$2.00} monthly fee will be accessed against the card balance 5 months after Card Issuance ''. In order to avoid the service fee, I tried to use the card today ( XX/XX/XXXX, a week before XX/XX/XXXX ) for a {$59.00} online transaction and the transaction was declined. After talking to American Express card service, I was told a {$2.00} fee was deducted from the account on XX/XX/XXXX because the card issuance date was XX/XX/XXXX. Also American Express refused to refund the {$2.00} fee. 

I feel this is a deceptive practice because American Express Card intentionally do not print the card issuance date on the card or in the letter with the card and then they can charge a fee early than what a consumer thought. The American Express prepaid card customer service refused to refund the customer even they admitted the fee was charged early because the card issuance date was early and they did not inform customers about the issuance date of the card.
I have submitted a PMI cancelation letter to Green Tree, and they denied, even thought my loan to value is already 79.89 %. My understanding is that once the LTV reaches 80 %, I can by law requires the cancellation of the PMI. 
Green Tree point out to me, in the letter that I attached, that : A minimum aging ( seasoning less than 2 years ) is required for my account, and the loan to value need to be 75 % or less. 
The date that my mortgage is schedule to reach 75 % is XXXX/XXXX/XXXX. 
My closing paper said I can cancel my PMI when loan to value is 80 %, and their escrow department sent me a letter saying I have the right to request the PMI to be cancelled on the date that loan to value is 80 % or lower. Green Tree never mentioned anything about minimum aging or loan to value need to be 75 % or less. 
I would like to ask the CPFB to assist me, in order to have my problem solved. Basically I would like to have my PMI dropped from my mortgage, and any extra payments that I have sent to Green Tree, starting on XXXX XXXX, in case this problem takes a few months to be resolved, to be refunded back to me. 
I appreciated your attention, XXXX XXXX.
About XX/XX/XXXX I contacted Bank of America, after I had received a 0 % Consolidation Loan offer. I told customer service person that I did not want the loan if I could not get all of my credit cards consolidated. I also told them I did not want another credit card. I called twice and told them that I had not received an answer to the consolidation and if the could not do it cancel my request because I did not want another credit card debt. The service person said ok. 

On XXXX XXXX 2018 I called XXXX XXXX customer service and put in a complaint with XXXX ( XXXX ). She would not give me a ID # -said she could only give out first name. I told her that I had received a credit card from Bank of America without my permission, that I only wanted a consolidation loan if they could pay off all credit card dedt, Bank of America had force me into financial hardship/abuse, Do not want their credit card, and feel that the advertising I received from them was fault and deceeding.