WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!
I was financiacing a XXXX XXXX XXXX from Santader Bank. On XXXX XXXX, XXXX my car was repossessed from my back yard. Initially, the agent scared me because they banged on my door with badges out as if I 'd violated the law. I was afraid and did n't think they were police officers. I contacted XXXX. They came and by that time I realized that they were doing a repossession because the car was being dragged out of the alley way. I called Santanders Hotline to find out how far behind my payments were I was informed that I was 62 days late. The following day I contacted customer service. I was told that if a payment would 've been made on the XXXX there would n't have been s repossession. I asked why did n't I receive a letter or a phone call regarding ways I could avoid repossession. The customer service representative informed me that I requested to be placed on a do not call list. I HAVE NEVER MADE THAT TYPE OF REQUEST!!!!! I asked the bank to please provided proof in a copy of a letter or my recorded voice on a phone conversation. I regulated to have a supervisor contact me about the repossession. No response! On XXXX XXXX I contacted the bank again in hopes to speak to a supervisor about my issues. I also requested the exact amount needed to obtain my vehicle, that 's when I was informed that the vehicle had been sold at an auction on XXXX XXXX. They did not write me to tell me how many days I had to obtain the vehicle before an auction date. The customer representative then informed me that they called me on XXXX XXXX and XXXX. I informed them that the previous representative informed me that I requested to be placed on a Do Not Call list which contradicts her story about the company calling me to offer assistance or options to avoid repossession. I was then informed about where my personal belonging were but they were already thrown away. I still have not received notification of the sale and or the amount that the vehicle was sold for!!!!
I called XXXX  's to pay off a credit card after an unexpected late fee. I explained my account should have been on auto pay which they agreed and updated my account for. I asked to waive the late fees and, instead of saying no, the operator gave a convoluted response, placed me on extended hold and then lied that she would help me and take care of the late fees. I agreed to pay the balance in full immediately but was deceived by the operator. The XXXX operator chose an arbitrary number to charge me which purposely misled me into thinking my debt was paid in full. Now, after being purposely misled by the XXXX  's credit department, I am being defrauded by additional exorbinant late fees and interest charges on the carried balance which I formerly agreed to pay and was lied to about.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were the debt collector assigned by XXXX XXXX to collect an alleged debt owed. I sent back a letter by certified mail requesting validation of the debt and no response was ever received. On XX/XX/XXXX I received a letter from a different company Resurgent Capital Services stating they were the debt collector for XXXX XXXX  on the same alleged debt, I again sent a letter by certified mail requesting validation of the debt and to date have not gotten a response. 2 letters were received by 2 different debt collection agencies within less then 30 days attempting to collect on the same debt, both of these agencies stated they were debt collectors for XXXX XXXX. I've reported XXXX XXXX to the Nevada State Attorney Generals office for their debt collection practices.
None of the above apply, so please forgive the improper selection. 

My credit score ( I only monitor TransUnion ) dropped nearly XXXX points since last month. The only change in the report is that I paid off more than {$1000.00} in the debt that I owed. No new accounts, no delinquencies, no loss of open credit. Just a lower balance due. 

In essence, by paying down my debt I 've hurt my credit. This is an obvious case of lowering someone 's credit purposefully and without reason to give creditors grounds for higher rates. Please aid me in rectifying this, I 'd rather not have to take it up in a civil suit.
I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XXXX.I am being turned down for lines of credit do to all of these inquiries on my report..
I had a Discover charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm XXXX XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX filed and garnished my paycheck. Case XXXX XXXX file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from Discover with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. XXXX XXXX XXXX  is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.
Citi closed my account in XX/XX/XXXX and make it active now without my knowledge. 
Citi closed my credit card ( Citi Double ) in XX/XX/XXXX. When I reached out to Citi about the account closure, I was told it was due to inactivity. I complaint about not being notified and was told a notice was sent to my old address in XXXX. Citi indicated that I have just moved in XX/XX/XXXX and never received the notice. Citi informed that that there is nothing could be done about the closure. 

Citi Double continue to show up in my online banking as " closed '' account and I did not remove it from my online banking account. On XX/XX/XXXX, I received a notification that a Citi account on my Transunion credit report was recently listed as closed. When I logged in to my Citi online banking, the account is no longer " closed '' and there is a statement generated. 

I reached out to Citi on XX/XX/XXXX about the account and voice my concern that a closed account becomes " active ''. And I was told the account is " open ''. After I explained that the account had been closed for over a year, I was told Citi will look into it and get back to me. 

Attempts to reach Citi by " chat '' function leads to no where. 

I showed up for a in-person appointment in Citi on XX/XX/XXXX in an attempt to understand/resolve issue. The banker dialed Citi credit card and the representative continue to insist that the account was never closed as " it is illegal to re-open the account '' without my input. Citi customer representative insisted that the lack of e-statement for credit card is not proof that the account was closed. I requested that the account be closed during the phone call. During this conversation, I was told by the customer service representative over the phone that it is possible that the account was " suspended ''. But the account was absolutely not closed as to re-open the account, it involves pulling my credit and Citi absolutely did not do that.

Even though Citi Card denied the account was ever closed, an inquiry into my Transunion credit report on XX/XX/XXXX, under 19 changes to my report, two regarding my Citi Double card. 

1. Between XX/XX/XXXX and XX/XX/XXXX, you made 8 out of 8 payments on time ( or didn't have a balance to pay off ) 2 Under updated account information, CITICARD CBNA, it is noted that " Between XX/XX/XXXX and XX/XX/XXXX, the following remark was removed ( bolded ) from the account : Closed
my issue is with paypal credit. 1 ) I do not get updated of when my payment is due just an update of an amount higher than I owe because they have tacked on additional fees without notice. 2 ) they have changed their system and if I use my app there is only one payment option and it forces you to pay the whole amount. 3 ) when I call customer service the response is that they ca n't do anything about the mistake until its posted
Well where do I start recently I had a complaint about my credit report I was denied a home loan because of a bankruptcy chapter XXXX on my credit report so I did sum investigation about my report so I went down town to find out what was going on so they didnt have a bankruptcy on me then I gave them the paperwork they sent me n they said that wasnt me. So then the told me too call XXXX XXXX the reporting agency I did so they told me they didnt have a bankruptcy on me so they sent me the paperwork n I called equafax n they said it comes from XXXX Im tired of this I have been denied me of housing because of this I have high credit cards rating cause of these simple mistakes I really should b conversated for this cause its making my life a living XXXX
I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, THANK YOU.
I consolidated my student loans in XXXX XXXX. I have been in good standingwith the XXXX XXXX borrowers ( XXXX ) since XXXX XXXX. This acct waspreviously being reported in error as a collection/chargeoff up until recently ( approx. 6 mos ago ). after disputing this information ; consistently since XXXX and going thru great length and providing detailed documentation from thenational student database, this account was changed from collection/chargeoff to paid to paid/closed ( again approx. 6 mos ago ). I disputed the dates a few weeksago ( it reports open in XXXX & XXXX ). I challenged the timeframe ( 10 years ) toremain on my credit report and I received only a few days after the disputeresults from Experian not only not honoring the dispute/or removing them basedon the dates exceeding 10 years but the report was updated to CHARGE OFFAS OF XXXX XXXX THUS LOWERING MY CREDIT SCORE BY XXXX PTS. 
ONCE AGAIN, THIS ACCOUNT WAS DEEMED PAID/CLOSED AS ARESULT OF A EARLIER DISPUTE AND HAS BEEN CLOSED XXXX XXXX. 
Theres no activity/updates to this closed account!!!! THIS ACCOUNT IS NOTA CHARGED OFF ACCOUNT. ITS BEEN CLOSED SINCE XXXX!
Without my authorization or knowledge, a Discover card employee erroneously started a dispute on a charge for airline tickets. Discover claims that they have cancelled the dispute. However, the airline shows neither the dispute nor cancellation. I have it in writing that Discover cancelled the dispute. However, my flight is at risk because the airlines have no record of the cancelled dispute. I have been on the phone with the airline and Discover for over 3 weeks and I believe there is still a problem in that my airline tickets reservation is still at risk, according to the airline. Despite telling Discover this, all they will do is issue me a {$100.00} credit, which is appreciated. However, the airline told me that Discover should be able to contact the airline online to cancel the erroneous dispute. Discover claims that they don't know how to do this and don't need to and keep trying to assure me that all is well and that my flight is confirmed. Despite my calling Discover again today to tell them that I am receiving an email from the airline that is asking me yet again to confirm my flight and Discover card payment for the flight, Discover is trying to placate me by telling me all is well. All is not well and I don't appreciate that they will not let me talk to anyone in authority except for low-level supervisors who try to placate me. Discover has offered to refund me my money if my flight is cancelled. That's not the issue. I don't want a refund. I want my flight assured. I also want to file a formal complaint against Discover for initiating a dispute without my authorization and for the way that they have mishandled their mistake in the past 3 weeks. I see no way on the website to initiate a formal complaint against Discover. If they treat people like me ( and my spouse ) who have been long-time customers and have extremely high credit ratings, I shudder to think how they treat marginal customers. I seek the opportunity to speak with the head of billing for Discover, despite their underlings saying that " they have other things to do besides talk to customers. ''
I have been notified by the Oklahoma tax commission on XX/XX/XXXX that our property taxes have not been paid. I called Loan Care XXXX our mortgage provider of the discrepancy on XX/XX/XXXX. We have all of our escrow up to date and paid with our payments. They stated on XX/XX/XXXX they tried to pay but the parcel wasn't in our name. They assured me they would handle it. I reached out to the Tax commission office and Loan Care had requested the tax letter at the beginning of XXXX which was mailed to them on XX/XX/XXXX. I have since called ( greater of four times ) and submitted the letter to Loan Care with no resolution. I know have received a letter from Oklahoma Tax commission office stating we would have a tax lien placed on our home if taxes are not paid in full by XX/XX/XXXX. When you contact customer service they typically make you wait long periods before answering. I have waited hours on the call back system they have in place. When I asked for a direct line I was told there wasn't want to give. When I called today I was placed on the phone with a supervisor who left her contact information and guaranteed a resolution in 48 hrs. XXXX XXXX XXXX XXXX. This is the second time I've been told 48hrs to resolve.
On XXXX XXXX, XXXX, I received a notice from XXXX XXXX Tax office stating that my property taxes were delinquent. I immediately contacted Vanderbilt Mortgage at XXXX and was transferred to their " tax team ''. I spoke with " XXXX '' who refused to provide his last name but informed me that his extension is XXXX. After explaining my situation to XXXX, he informed me that Vanderbilt received the same notice from XXXX XXXX XXXX office, however theirs stated that there was a delinquent amount of {$610.00}. I asked XXXX if he could provide me with the last payment made to XXXX XXXX from Vanderbilt XXXX via our escrow account ) and he said it was {$360.00} paid on XXXX/XXXX/XXXX. He then informed me that we signed an agreement for home and land taxes to be paid from our escrow account, however he could not explain why we got a delinquent notice or why they did not contact us when they got the notice. XXXX then informed me that he had another address for us, but refused to give me the address he was referring to. I then informed XXXX of what our address was and told him the address he was referring to did not exist. I am stunned that my mortgage company would have the incorrect address on a contract we signed 2 years ago. I want to know from Vanderbilt why I am receiving delinquent tax notices if they were suppose to be paying the taxes from my escrow. Also, Vanderbilt informs us every few months that our mortgage payment increased. This last time it increased from XXXX to XXXX. They constantly blame it on the insurance, however we have a fixed rate. I would like this company to be investigated.
I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.
XXXX, XXXX and equifax showing inaccurate inquires now they wont let me check my credit online to fix these issues
Contact Navient about loan which was from 2001, statues expires, got no more than XXXX in loans, they say I 0we XXXX. They garnish my last 4 years of tax returns. Also I included in my bankrupty adversary was included for loan. Sent them a copy of bankruptcy discharge, they would not accept.
reporting a {$98.00} medical claim in collections and reporting it to my credit reporting agencies this debt is not valid and incorrectly reported on my credit file and needs to be removed asap
I have receiving Collection notices from Convergent Outsourcing Solutions in reference account # XXXX XXXX XXXX in reference to phone # XXXX. 
When I receive the first notification XX/XX/XXXX I contacted the company and disputed the debt along with sending e-mail to company explain I never had a cell phone in XXXX. I ask them what name was on the account and they told me XXXX XXXX with my social security #. I explain to them I never open a account and have been in XXXX for over 18 years and this was a fraud account. Two weeks later I received a bill from XXXX showing I owed {$370.00} and {$170.00}. I called them and explain to them I never had a account. They told me they would have their fraud department to call me and they never did. 
I continue to receive this notification from collection agency after dispute. When speaking with XXXX they explain to me this account was open in XX/XX/XXXX-XX/XX/XXXX but never has sent me one bill in reference to this situation to current address, I ask them where was this bills go and why they never sent me a bill, they told me it went somewhere else but could not tell me where or explain to me what 's going on. ( very frustrating ) XX/XX/XXXX I went to apply for a loan and was turn down because of Collection activity now I know why. 
Why was account open with NO FIRST NAME
Mine and my husbands mortgage has been sold a few times in a couple of years. We have been trying to refinance for a few years now. We were with XXXX XXXX Loans until XXXX 2015 when they sold our mortgage to SPS Select Portfolio Servicing and that is when the trouble started. When we were with XXXX we fell behind a month and we were trying to get it paid back but because my husband lost some income and a few unforeseen bills we were unable to catch it up. When SPS took over our mortgage we had explained the issues we were having but they did not care did not want to hear about it. I tried to go thru a hardship with them but when XXXX of the people there started telling me what documents they needed I started to ask questions. She then said they needed a copy of our bank statement and I said to verify our income right and she said " NO WE NEED TO SEE WHERE YOUR MONEY IS GOING TO ''. I said that where our money goes is really none of their business she said well we need it. I would not send them anything after that. In the middle of XXXX I called SPS to try to make arrangements for the Payment for XXXX which I did set up and the person I was speaking with said that if I made a half of the payment we were behind they would put it aside in our account until we could make the XXXX then we would be caught up. A couple of weeks after that I received a letter from SPS saying that we were three XXXX XXXX ) payments behind and they were going to forclose on us. I called them and the gentleman I spoke to said that they did not receive a payment for XXXX when I ask why I was just now hearing about it he really had no answer now where they are coming up with three payments I have NO idea. We knew we were behind XXXX ( XXXX ) payment but where they came up with XXXX we do not know. We were told to contact you to see if you could handle this for us. We have been trying to do a refi on our house for a couple of years now we do n't qualify for harp because we are upside down. We are paying 8.5 % interest and no one wants to help us. I think SPS is trying to just take our home. We are a family of XXXX our XXXX daughter is XXXX and lives at home with us and I do n't know what I would do with her if we lost our home. I was told that XXXX XXXX Loans sold our mortgage because they were afraid that they were going to get in trouble for being a Predatory Lender. Please help. Thank You
I had a credit card with Citibank for XXXX years. I closed that account 4 years ago. A couple of months ago I got a statement saying a had a credit on the card. I called Citibank right away I said this has to be a mistake, I closed my account years ago. The person assured me the credit was mine and I was sent a refund. I asked multiple times are you sure this belongs to me, this account has been closed for a long time. The representative assured me it was mine, it was an over payment for years prior. Two months later I got a bill for the amount of the refund with zero explanation. I spent over 20 hours on the phone and through online chats trying to get to the bottom of what happened. I finally worked with someone in executive customer service who was able to figure out that the credit was not truly mine. My issue is that the company showed zero remorse for the amount of time and stress this whole ordeal has been on me. There error caused my credit score to drop 122 points, the whole thing has been a mess. My other concern is the other customer whose credit I received really  belonged to, who knows how long they were without their credit. I understand mistakes happen all the time but their mistake caused me to spend a lot time and effort to get it resolved.