WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted Owcen multiple times and then made a complaint to your office. 

Got XXXX letters and then a call yesterday that says we still do n't qualify even though their letter to us XXXX/XXXX/2015 says the automatic termination of PMI the date the principal balance of the loans first scheduled to reach 78 percent of the original value of the property. It has and yet she stated today they just sent us a letter declining to drop PMI. 

We have always been current. We are well past the 80 %, {$160000.00}, the original loan stated PMI would be removed. We are past the 78 %, {$150000.00}, of the original loan amount as stated in the letter received. Yet they are still refusing to remove PMI and return money paid after we met the automatic PMI removal of our original loan agreement or their companies stated policy as received. We want the PMI overpayments to be returned. 

Their employee told me on the phone last week that they had sold our loan to XXXX and we have yet to get any information of such sell. We emailed them and told them any late payments of our county taxes or home insurance from our escrow account as they are both due this month would be turned into the governing bodies. They did n't pay either on time last year which caused a lapse in our homeowners insurance of around twelve days. 

We need your assistance in getting them to refund and remove the PMI which is not needed any longer under their own policy in their letter or our original loan agreement.
I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. Capital One, XXXX Credit Card , XXXX XXXX. XXXX Car Finance has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
On or about XX/XX/XXXX I signed up for XXXX XXXX home internet service. This offer was for a 30 day free trial of the XXXX internet service. It reportedly included free installation and ability to cancel within 30 days without obligation. The service started on XX/XX/XXXX, but I could not use it until the XXXX or XXXX due to faulty wiring. An installer came and fixed a problem with the wiring and I used the service for 2-3 days. On the XXXX of XXXX I called XXXX and canceled the service because the internet was too slow ( took 2-3 minutes to load my email browser, unable to stream data ). The representative canceled my service and sent out a return kit for me to return the XXXX modem that they had provided for the service. I received the return kit on the XXXX of XXXX and sent it back to XXXX on or about the XXXX of XXXX. ( They give you 30 days to return it ) In the middle of XXXX, I received a bill from XXXX for XXXX XXXX This bill included charges for the prorated service from XX/XX/XXXX to XX/XX/XXXX as well as XXXX $ for Modem/Router combo. I Called XXXX and told them that I had returned the router and it needed to be removed from the bill. The representative told me that " Don't worry, that's not your final bill, once the modem is received in the 'system ' they will issue a new bill with an adjustment. '' In XXXX I received the same bill from XXXX, I called and spoke to multiple people from their company trying to resolve this issue, they kept telling me that " it's a valid charge. '' I told them that I would not pay for a router I had returned to them. In XXXX I called again ( unknown day ) and spoke to more people, again I was told the same thing. I even asked to speak to a manager and got nowhere. I even had to ask several times for " someone who speaks my language '' because most of the reps had thick XXXX accents and I could not understand them at all. I decided to not pay them at all, and on XX/XX/XXXX I received an email from XXXX XXXX ( a debt collector ) on behalf of XXXX trying to collect the debt. I called and told them that the debt is not valid and they told me to send them a written rebuttal. I will not do this because they will simply tell XXXX my side and XXXX will say " It's a valid debt '' I'm frustrated and tired of dealing with this company that I had services from for just 6 days
I was denied to get a loan because the reporting agency " Experian '' have wrong information on my credit report, when i called them to fix this issue and verify my identity they wanted my to pay first in order to resolve this problem.
I have opened case XXXX with the XXXX in regard to Calvary Portfolio Services and their failings to comply with FDCPA guidelines. I raised a case with the XXXX after Calvary Portfolio services failed to answer my certified mailing for debt validation as prescribed under the FDCPA guidelines. I have sent written correspondence and also raised XXXX case, but this company is still reporting unverifiable inaccurate information. They initally stated that they did not get correspondence from me and only after providing my certified mail number did the state that they did send validation, which I never received. I would like to escalate this case and have legal action taken against this company.
I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX - XXXX XXXX   - XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : XXXX XXXX
A ) supplemental payments incorrectly applied t B ) late fees compiles illegally C ) never reconciled and fraud occurred stating electronically submitted D ) interest rate and monthly payments changed without my consent E ) repetitive corrections over years to default back to error F ) just learn that it was not consolidated to a Federal Direct Loan Program where my years Public Service is not eligible for Loan Forgiveness with the U.S. Department of Education.
I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX  XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( Experian, XXXX, XXXX  ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in 2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu
The debt collectors from Comenity Bank, who hold the debt for my  XXXX   XXXX  credit card, will call my cell phone on average 4 times a day. Beginning around  XXXX  EST and ending around  XXXX  EST. They keep calling and blocking the phone number. When I answer they do not wait for me to identify myself before they say " Mr.XXXXX you are behind on your Visa account ... .. " they do not even know it is me and they disclose this information. They will talk over me and are extremely rude. The repeated daily calls are harassing. They know my adjusted income since I have been laid off. I verified that with an account manager. They know and have updated information for me. However they will not stop with the calls. I filed a complaint with them this morning and they would not provide confirmation of said complaint. Only that it was " noted '' on the account. I worked as a debt collector for a few years and understand FDCPA. I also understand that they are violation it with their methods of communication, call times and frequencies and how they treat me on the actual call.
LOOKED ON MY CREDIT REPORT AND SEEN A COLLECTION FROM XXXX XXXX {$26.00} ... DATE ASSIGNED XX/XX/16 ... .THIS DEBT IS NOT MINES..I DID NOT AUTHORIZE THIS
Harmon Law PC has been sent a demand/automatic stay letter for 940 CMR sub section 7.08 and affidavit of automatic stay, both have been ignored. Harmon Law on behalf of XXXX XXXX XXXX XXXX XXXX not only has ignored these rules etc.. but also has gone ahead with putting notice of land court active military test in the local newspaper stating that their client XXXX XXXX XXXX XXXX XXXX has taken possession through assignment which again has not been proven.See attached which has been sent to Harmon in a XX/XX/2018 and ignored after sending me a letter stating that this process in on Hold. this is an illegal foreclosure whereas Harmon Law is proceeding without legal process. Both were sent via certified mail mail number is on top of the attachment letter. As you can see in the letter from Harmon Law PC dated XX/XX/2018 they in writing stated to " HOLD '' until this is met and have NOT!! I am requesting the CFPB do their jobs and hold Harmon Law accountable in keeping the laws and not breaking them as they are doing here. This is an illegal attempt!! Please see my evidences attached.
Opened an XXXX XXXX account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. XXXX is still reporting our account delinquent and the judgment has not been resolved.
Due to the increasing issues with this Credit Agency in addition to a majority of others, I 'm including the recent Statement Details as of the most recent Statement with this Card issuer : XX/XX/XXXX-XXXX 2017 Statement : Annual Percentage Rate : 26.74 % ( variable ) Balance subject to interest rate : {$780.00} Interest Charge : {$17.00} I have some concerns about what this company refers to as Promotional Purchases. The statement reflects a vague account of this type of Purchase yet includes a balance which has a separate Interest Charge. The Average Daily Balance that I 'm getting also raises some serious concerns. I have done some additional research and have found other clients of this company having the same issue where it appears either Interest and/or calculations relating to balances are being miscalculated in favor of the Credit Agency. <P/>I 'm showing some conflicts with regards to the Average Daily Balance calculation, perhaps as a result of certain transactions not being listed and/or credits not being fairly adjusted.
On XXXX/XXXX/2015 I transferred {$650.00} dollars via MoneyGram to a recipient in XXXX. The intended recipient 's name is XXXX XXXX XXXX. He 's my uncle. The Reference Number for the transaction as appeared on the transfer receipt is XXXX. MoneyGram charged me a fee of {$14.00} for the transaction. 

When the intended recipient went to the bank in XXXX to receive the fee he was initially told the Reference Number was incorrect. He called me from XXXX and I confirmed for him that the number was indeed correct. Due to the time difference he could n't go back to the bank. When he went to the bank the following morning, he was told the money had been paid out to somebody else. He called me and I immediately notified MoneyGram. MoneyGram claims to be investigating this fraud, but they rather seem to be facilitating the fraud. I have called MoneyGram XXXX times. Each time MoneyGram Reps put me on hold for at least XXXX minutes and then they disconnect the call. This morning MoneyGram put me on hold, XXXX for XXXX minutes, and then for XXXX minutes. MoneyGram has taken absolutely no steps to investigate this matter. XXXX days after this fraud happened, MoneyGram does not have proof of payment. If that is not facilitating fraud, I do n't know what is. I believe that MoneyGram is stalling, hoping that I 'll go away. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, # XXXX, XXXX, MA XXXX. My day time telephone number is XXXX. I need MoneyGram to refund to me without further delay the entire {$660.00} I paid to MoneyGram for the transaction. 
Thank you.. 
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The last payment on this account was XXXX XXXX claim the last payment XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX XXXX XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX XXXX n't have the account. How can XXXX report to the credit bureaus the last payment but they ca n't send me the last payment identifier.
The details of my complaint are as follows : XXXX XXXX, I am checking on your reaction response dated XX/XX/2017. 

Pursuant to the Fair Credit Reporting Act, you are notified as follows : XXXX XXXX specialists have victimized people with handicaps. 

Past undertakings to rent rental unit have failed or purpose behind Civil Court History have changed.

Common Court History query items ought not be utilized to dismiss applicants.
I have filed several complaints about Wells Fargo about missing funds. Each time their response is please provide us with dates and amounts of transactions. They even sent me a letter via postal mail. Each time I tell them I am unable to provide dates and amounts. I in the past was on the phone with a representative of Wells Fargo admitting in a phone conversation that there were missing funds. I asked if they could provide further information and they were unable to do so. I 've looked through everything even years back before any missing funds and I am unable to see dates and amounts. I request Wells Fargo go and look into my accounts maybe one of their accountants may be able to find the needed information
Transworld Systems Inc sent me a letter attempting to collect a debt and additional collection fees. I attached the paperwork showing the additional fee. Furthermore the debt has been paid off. 

Also they have the info under my maiden name XXXX XXXX and the account number they had on file was XXXX XXXX
I requested a summary in XX/XX/2018 I sent the request letter via registered mail They did receive my request because XXXX XXXX signed for the letter. 
XXXX XXXX Failed to send me a summary within the 30 day legal time frame I then contacted XXXX requesting debt to be deleted from my credit file in XXXX XXXX.I Faxed all documents but instead XXXX opened a dispute and XXXX XXXX declined to delete and sent me a summary XX/XX/2018 instead .7 months later and only due to I contaced XXXX for a delete regarding the account with XXXX XXXX Under the consumer federal protection act XXXX XXXX should have deleted the debt from my credit file and they refuse to do so
I have an account that i have never paid late but they reported my late 2 months. I always paid online and was given notice that my payment was always paid on time but a couple times i got notice 30 days later that due to a website problem my payment was never received. It was reported as late on my report and effected my score negatively and they won't correct their mistake.
In XX/XX/XXXX we were making trial modification payments with XXXX ( {$710.00} # XXXX ). We were approved in XX/XX/XXXX for the permanent mod as we only have XXXX income. The final papers were signed notarized and sent back to XXXX. XX/XX/XXXX the loan went to a new servicer SETERUS ( # XXXX ). Since then I have XXXX documented calls since XXXX trying to straighten out the modification with SETERUS, they are stating my payment is {$1000.00} which was before the modification. We have faxed, emailed and uploaded the documents to them XXXX times, out of the XXXX calls half of the representatives said they have to accept the agreement and the others said they did n't. On at least XXXX calls the representatives told us they were reaching out to the loss and mitigation department with another email asking that the modification be accepted. We also had to explain the situation on all XXXX calls, each representative assured us there would n't be an issue they have accepted all payments of {$710.00} that I have sent and now we have received a letter threatening foreclosure and still do n't have an answer. My last call was XXXX and they sent another email to the loss and mitigation department and when we asked what department we were speaking too they said it was mitigations. I 'm sure all calls are recorded if you need them. We have spoken to XXXX, XXXX XXXX and XXXX XXXX just to name a few. If you could please assist it has been three months we have been calling them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). We are very frustrated and now they are threatening to take our home and I have been ill unable to work and this added pressure is overwhelming.
My request for mortgage modification is being processed with Shellpoint Mortgage. 
They have requested several times the schedule for my taxes reflecting the rental income and expenses associated with the rental property. I've emailed and faxed this information to them several times beginning XX/XX/XXXX until XX/XX/XXXX. Shellpoint was contracted XX/XX/XXXX to verify they received the information, Shellpoint customer service stated they received the email cover page but the IRS Transcript wasn't uploaded in their system were yet, and the document has not been received. I feel Shellpoint is giving me the runaround and is not processing the modification request. There is a pending property foreclosure sale set for my homeXX/XX/XXXX. I've provided them with all requested information and asked them to postpone the property foreclosure sale.. 


See Attachment
I have tried to resolve debit with XXXX XXXX by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
I applied for a mortgage refi. With ROYAL UNITED MORTGAGE. We are currently in a adjustable rate mortgage. And wanted to refinance to get locked in. My credit score is a XXXX my income is over 100,000. we have about {$90000.00} of equity in our home. However I was steered into applying for an FHA loan. I paid {$500.00} for a home appraisal FHA.My wife happened to look over this loan application and realized that we qualify for a conventional loan, and paying almost 11,000 for points. We feel we were pushed into this loan so they could reap more monetary benefit from the government loan. Also I consider this predatory lending. If my wife did n't look into this loan it would 've cost us thousands of dollars and years to even get back the money that we put into it.The fees were astronomical, they were charging us for almost 3 1/2 points.
The collection agency is collecting for an apartment complex that I rented but I never lived in. I moved into the apartment in XXXX XXXX XXXX and my job sent me to California from XXXX to XXXX to XXXX XXXX. I never moved any furniture in and told the complex that I would be cancelling my lease in XXXX XXXX I knew. I would have to pay for breaking the lease but they added all kinds of fees for cleaning and repairs that could n't have been made. When asked for debt validation, the collection agency just mailed me a lease and a list of charges. The agency also continues to report the debt as late with all three credit bureaus.
This company approached me to assist in getting s prescription drug, but they never provided the service. I called within months of the same year 2015. But they still showed I owed them {$25.00} which is not true. They. Annoy produce any service they provided for the {$25.00}.
I received a prepaid card from NetSpend. I called the company and told them that I did not approve and filed an application to get this card. It looks just like a credit card, that is what I thought it is, but a representative said it is a prepaid. I told them to close this account since I did not requested. I also, spoke with the supervisor XXXX XXXX regarding my concern that I did not approve and or filed an application. I do not want any cards coming to me without my authorization. The supervisor told me that my account is closed now. I want to complain to the headquarter and she could not provide me with a phone number of the corporate office. I, also, want to be in writing that my card is closed, which she could not provide. I want this in writing and that NetSpend send me a letter that my letter is closed and that they are no financial obligations from them to me. As well an apology of abusing their corporate powers to use my personal financial information. Also, be permanently deleted from their database. My major concern is this corporate ethics can be very dangerous to some ones personal information. I did not approve and requested this card. If it would get lost in the mail and comes in the wrong hands someone might used it and I would never have known about it. This has to stop. No financial company or any kind of institution should send me any cards without my approval. The consumers should be protected and not leave them with any risk.
Transunion, XXXX, XXXX, and XXXX are reporting the wrong credit limits on my 3 credit cards that I have open. 
I have a XXXX XXXX XXXX XXXX with a limit of {$49000.00}. I have another XXXX XXXX card with a {$10000.00} limit. I have a XXXX card with a credit limit of {$12000.00}. 
They are also reporting my balance on each card incorrectly. 2 of the credit cards have a XXXX  balance, and the other has a balance of just {$260.00}, as of today ( XX/XX/2018 ).
I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this.