WillisBack/dataset-financial-user-claim huggingface dataset:
My loan originated XX/XX/XXXX. At that time I was advised by my lender that once my home reached a certain value and my loan was deemed less than XXXX % of the value I could have my mortgage insurance removed/cancelled. In XX/XX/XXXX due to home values increasing I contacted Wells Fargo to inquire about having my mortgage insurance removed/cancelled, they stated to me I had to wait until the loan was XXXX XXXX XXXX which would be XXXX XXXX. Well XX/XX/XXXX I contacted Wells Fargo. They stated that I reached the 5 years but my loan principle had to be $ XXXX. I asked them where they got that figure considering my home value has increased and they could not give me an answer. I spoke with several other parties including a real estate attorney and other mortgage professionals whom stated that Wells Fargo should be advising that I can order an appraisal to show that my value has increased and that my loan was under the 80 % requirement. I reached out to Wells Fargo again on XX/XX/XXXX and they stated they would mail me information on how to get my mortgage insurance removed. It is now XX/XX/XXXX and I have not received this letter. Additionally I pay {$170.00} per month for mortgage insurance. Based on my home value and reaching my 5 year requirement I should have had this removed by XX/XX/XXXX first 's payment. I have paid a total of {$520.00} in Mortgage Insurance premiums that are not necessary as my principle balance on my loan is well below the 80 % requirement. Please help in getting this resolved. Wells Fargo likes to offer me to refinance but WHY would I add years to my loan when they can simply remove my mortgage insurance.
I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.
im a victim of identity theft and i have about 24 hard inquires that keepin me from building back up my credit score
In the month of XX/XX/XXXX, I applied for a loan modification with Bank of America.

I was denied a loan modification on XX/XX/XXXX. The reason given by Bank of America were the following : 1. Unable to verify Income.

2. Unable to verify Ownership or Occupancy of property. 

The above reasons to deny me a loan modification are erroneous and false. 
I occupy my home and it is my primary personal residence. Further, I have a business and file taxes each year to demonstrate I have a source of income. 

The denial of my loan modification is an attempt by Bank of America to wrongly deny me a loan modification to save my home from foreclosure. 

Bank of America is intentionally misleading me in approving me a loan modification to deliberately Foreclose on my property and strip me of my equity.
Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.
XXXX XXXX XXXX is not properly reporting to the credit agencies. The account has been paid they have been listing the account as in a derogatory status. This account was paid back in XX/XX/2016. This account should be reporting as paid
On XX/XX/XXXX, I sent a secure message to Comenity Bank in the online account servicing website for my Ann Taylor MasterCard requesting a waiver of the late fee and interest assessed on my XX/XX/XXXXstatement. I received a reply on XX/XX/XXXX, granting a courtesy credit for the {$27.00} late fee that had been assessed. However, when I viewed the online account activity for my card, the late fee correction appeared as an additional debit of {$27.00} dated XX/XX/XXXX rather than the expected credit. In my XX/XX/XXXX statement, a {$27.00} " other debits '' entry appeared in the summary of account activity, increasing the final statement balance, and the " LATE FEE CORRECTION '' transaction appeared as an additional charge rather than the expected credit. This additional charge was not what I expected from my request. On XX/XX/XXXX, I sent a reply to the secure message I had received in XX/XX/XXXX requesting that the late fee credit be properly processed. I received a reply on XX/XX/XXXX claiming that a proper {$27.00} late fee credit would be applied, but when I checked the associated account activity, I saw that a second " LATE FEE CORRECTION '' transaction for XX/XX/XXXX had appeared with an improper {$27.00} debit instead of the credits I desired. The two {$27.00} debits on my account are not legitimate fee assessments, as I have not made any recent late payments on my account, and I do not believe they are appropriate methods of addressing my initial request to waive a past late fee.
I accidently made two mortgage payments in one month and CCO Mortgage refused to refund the additional payment. My position is that they received money from me that was not owed to them. They have no right to the money and should return it.
My Dependant house Wife with no personal income of her own was able to open a credit card using her ( husband 's ) income and was approved with a {$12000.00} credit limit without my permission or knowledge.
Company sent me a collection letter XXXX XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.
I applied for a mortgage loan thru XXXX XXXX, XXXX XXXX, NV office ; Buying a house from XXXX XXXX ; I paid {$2500.00} earnest money. The Bank qualified me for Conventional Loan ; The XXXX qualified me for FHA. my Income to debt ratio was too high ( more than XXXX % ). I felt there is something going on ; they pushed the loan and make it work within 10 days ; the house payment was too high compared to my income ; I called and cancel the loan. I asked for the earnest money back, they refused to refund me the earnest money. and, they wanted me to buy a house that I am not qualified for.. The earnest money landed with The First American Title Insurance company at XXXX XXXX XXXX ; the FHA loan takes about 45 days to be processed, it took them 10 days to get me approved based on High debt and low income. I was approved to XXXX different mortgages in 10 days ;
XXXX Public Records are being reported incorrectly at XXXX 7 years on my Credit Reports. Not only were these records a result of my ex-wife 's malfeasance, they were satisfied YEARS ago. 
My credit is immaculate, but for these reports. I work very hard to maintain it as such. Note, the Internal Revenue Service reviewed these public records an determined that I was an XXXX Spouse based on my ex-wife 's actions, and awarded me Innocent Spouse Relief. 
I paid her debts, and divorced her. I would appreciate having the derogatory information removed from my credit reports.
A representative from the XXXX XXXX XXXX called me and claimed to be representing a bank XXXX Providian Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but XXXX scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but XXXX continues to try to call me to collect. This debt must have been purchased from the bank because XXXX had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.
Chase does not put a Guide to Card Benefits on its website. I told Chase that I thought that was because they were trying to make it harder to claim card benefits and Chase did not contradict this claim. So I 'm asking that CFPB ask Chase why it does not post on its website a link to its Guide and, absent a compelling reason, order it to do so and initiate a rule making to force all credit card issuers to do so. 
My most recent correspondence with Chase is below. I have earlier emails, but they do n't fit in this block ( and do n't add much useful information ). 
Thanks, XXXX XXXXDate : XX/XX/2015 XXXXFrom : Chase Card ServicesSubject : Re : Account InquiryMessage : Dear XXXX XXXX , We consider your concerns to be one of the most integralparts of the improvement process. I certainly appreciatethe time you have taken to share these concerns. As aresult of comments such as yours, we gain more insight asto how well we are servicing our customers. Please beassured that I have forwarded your comments to theappropriate management for their review. 

The benefits of your card were sent to you when you openedthe account and any time there is a change or update youwill be notified of these changes. You can request themost current guide to benefits at any time by call thenumber on the back of your card or send a message throughthe Secure Message Center. 

If you need any other assistance, you can send us a securemessage. We appreciate your business and thank you forchoosing Chase. 

Sincerely, XXXXSenior Service SpecialistPhone : XXXX EXT. XXXXFax number : XXXXHours : Monday - Friday XXXX to XXXX Central TimeXXXXOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thanks for your reply. 

Please pass this message on to your supervisor with arequest that he/she pass it on to the person who makes thedecision not to put the guide to benefits online. 

Please tell me WHY the Guide to Benefits is NOT online. 
Every other institution in the USA puts full info on theirwebsites. Why would n't Chase. Doing so would reduce yourcosts of mailing the Guide or answer questions like thisone. That leads to me to think of only one reason : It'seasier for Chase to deny benefits if customers do n't knowwhat benefits are due to us. If I 'm wrong about that, youwill have a persuasive reason. If I 'm right, then youwo n't admit it but I hope I will shame you to do the rightthing and post links to the PDFs of each Guide to Benefiton the page where we get our balances. Thanks for '' listening ''
I have been getting surprise late fee charges from Ally Financial. When I called to get an explanation for the late charges I was told to " look it up yourself '' by the representative. I was asked do I need to get an attorney to find out why I was charges late fees. Soon thereafter I got a letter from Ally goading me to get an attorney to find out why I was charged late fees. 

As of this time Ally has closed my account and removed my access to my monthly payment records. Not only does this deny me access to payment records to independently verify payment information but I no longer have access to my tax records or the ability to make payments. Please demand these records by made available to me. 

We have received Ally records which indicate that at least one late charge should not have been made, So I have at least one incorrect late charge but in order to fix it I have to pay hundreds of dollars to correct it. 

Furthermore I have not received my billing statement for XX/XX/XXXX that shows how much is due and how my XX/XX/XXXX payment was applied. 

Please demand the restoration of my online access to monthly records, demand a complete record of how and when late payments occurred. The shutting down of web access to my monthly statements is just a cover up for the fraudulent late fees being charged by the bank.
I contacted my lender on XXXX XXXX, regarding a hardship I am experiencing in keeping my home. I received phone communications from XXXX XXXX of JPMorgan Chase, Executive Offices. On or about, XXXX XXXX, 2016, XXXX XXXX advised me that there was nothing her office could do to further assist me and that I would receive a letter from her office in the mail stating the same. I received a letter in the mail from JPMorgan Chase 's Executive Office dated XXXX XXXX, 2016 referencing my Deed of Trust and stated that the same was enclosed ; however, upon closer inspection, my Deed of Trust was not enclosed. The Deed of Trust belonging to an entirely different borrower ( a male, from XXXX California 's ) Deed of Trust was enclosed with my documents. I find it inexcusable that Lender, their Executive Office, no less could be so careless and reckless by sending confidential loan information to the wrong persons. It also grieves me to wonder where my information was sent and what information is now floating around about my property and financial situation. I am hereby asking that your office investigate the matter.
My  Dr. Office   XXXX   XXXX   XXXX , sent a bill in  XXXX  to my old address. I never received the bill.  Credit Collections USA  then tried collecting this debt from me. I immediately contacted my  Dr. Office and  paid my bill. My  Dr. Office  said they would contact  Credit Collections USA to have them remove the deb t from my credit bureaus.  Credit Collections USA is n ow refusing to remove it because they are saying I did not pay them directly. I have attached proof that   XXXX   as forced them off my credit report but now they are reporting to  XXXX . This debt has a {$0.00} balance and is no longer mine. I have also attached the receipt/letter from my  Dr. Office proving my debt is  paid.
I have spoke with different reps at Equifax in the month o f "  XX/XX/XXXX '' and given different confirmation numbers along with documentation in the mail stating the y have removed a incorrect address that I have never lived at which is "  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX  ''. This address keeps appearing on my credit report when Equifax states the address has been removed. I pulled my credit file today   XXXX - XXXX -2017  and address is still listed on my report. I have no credit history linked to that address. Equifax is the only  Bureau t hat lists this incorrect address.  <P/> Confirmation numbers advising address was removed are  XXXX   XXXX   XXXX   XXXX  PLEASE REMOVE ADDRESS I NEVER LIVED THEIR.  <P/>  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NY  XXXX
I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.
My mortgage was sold to XXXX XXXX by XXXX XXXX and serviced by Rushmore Loan Management. My previous complaint to CFPB was to be sure that XXXX XXXX sends all my loan modification documents to Rushmore. C Today after sending email, leaving VMs to Rushmore to know the status of my modification, I talked to XXXX who continuously told me that they received only the XX/XX/XXXX package. Which was shocking so I told XXXX that I will be filing a complaint because I had a letter from XXXX XXXX stating that they had transferred all documents. He told me to speak to XXXX XXXX who is my account manager, that he was only reading whatever was on the notes. 

Then few minutes later I called XXXX XXXX phone number and was redirected to XXXX who confirmed that they received the XX/XX/XXXX modification transferred by XXXX XXXX and that Rushmore is working on my modification and that XXXX would return my call in next 1 or 2 days. 

I had left a VM last week to XXXX, sent her an email this weekend and left another VM this morning. Last week, XXXX ( @ Rushmore ) told me over the phone that XXXX was my account manager. Today XXXX told me that XXXX XXXX is my account manager
XXXX XXXX XXXX IS CLAIMING I OPENED ACCT IN XXXX WITH NO PROOF OF TRANSACTION DISPUTED WITH CREDIT BUREAUS AND WON BY STATING MY DISPUTE MEETS REQUIREMENTS, AS OF TODAYS DATE XX/XX/XXXX XXXX XXXX IS STILL REPORTING FALSE CLAIMS ON MY CREDIT REPORT AS COLLECTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX NMLS ID-XXXX XXXX
USAA advertised a 1.49 % 24-month new auto rate. I applied and was given a rate of 3.15 %. 

After calling, I was told that I was extremely qualified and they did n't know why I did n't receive the best rate. They then gave me a different rate, which was lower, but still not the top rate. 

I was sold I had a near XXXX FICO score, great income, etc. and no one was able to tell me why I did n't qualify for the top rate. 

I believe this is a UDAP violation and needs to be investigated.
On or about XXXX XXXX, 2017. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!
Vanderbilt Mortgage and Finance did not offer to refinance my loan recently and this problem is one of many they have. I originated a loan with them in XX/XX/XXXX and had to settle for a high interest rate of over 10 % for a manufactured home, so I was not in a good position to build equity. After 3 years of 100 % on time payments I decided to seek a refinance and I called them first. They simply stated they do not offer refinances for my situation. If nothing else that is a bad move by this company, because I quickly left them, but our choice to refinance became very costly in part due to violations by Vanderbilt.
Now having just finished a refinance with another company, I found out during the process that my foundation of my home was not compliant with Fannie Mae standards. The shape that my foundation was in was undoubtedly just as bad three years ago when I purchased the home and they approved my loan. The foundation of this property is very moist and the straps securing the frame to the ground were rusted and broken. I had to pay steep repair expenses out of pocket to get my foundation in compliance, and Vanderbilt should have recognized this when I purchased my home from XXXX XXXX in XX/XX/XXXX, where it should have been paid for by them. I had a conventional loan with Vanderbilt and I ca n't imagine how this was missed by their underwriters. 

I bought it as a repossessed home from XXXX XXXX in XXXX, Kentucky. During this purchase process Vanderbilt charged over {$5000.00} in closing costs which I just paid only about {$3000.00} through another company, not including the cost I just incurred to certify the foundation which was about {$2000.00}. 

Additionally, I spoke to several Vanderbilt representatives over the phone throughout the life of my loan, and was never asked to verify the last four of my social security number for verification that they were speaking with me. 

This is all information that can be validated in their documentation of my loan. This company is a predatory lender that takes advantage of customers in high interest situations due to lower credit.
I have multiple fragmented credit files with Equifax. I have submitted 12 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized.
I contacted Resurgent Capital Services ( RCS ), a debt collection agency, regarding a fraudulent account back in XX/XX/XXXX. I submitted all required documentations to verify that the account was indeed fraudulent. Upon completion of their investigation they found the account to be fraudulent, and sent me correspondence that the account would be closed and deleted from my credit report. The letter they sent out was dated for XX/XX/XXXX. Upon checking my credit report XXXX XXXX, the account was still on my account as accurate. I then submitted a dispute with XXXX because the debt collector was still reporting the account as negative and accurate. I called RCS again in XX/XX/XXXX, and they told me the account was closed and was fraudulent, and sent out a new letter dated for XX/XX/XXXX saying they would delete the account and have it updated.