WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to speak to someone regarding the inaccurate and invalidated debt they were reporting to the credit bureau. The customer service representative threatened me by using obscene and profane language repeatedly when I tried to explain to them that someone at IQ data advised the landlord to type up a letter after I submitted my complaint and claimed to have mailed the demand letter to me when they never mailed any notice letter or any itemized list of deductions. The said that I was committing a crime and they would be filing a civil lawsuit to garnish my wages to collect the debt. 
The representative claimed that I would be arrested if I did not pay the debt I owed.
Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... Transunion XXXX XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
I currently have a LTV of 78.00 % on my current home mortgage. I have requested the private mortgage insurance to be cancelled. The loan servicer, ( Chase Home Mortgage ), the PMI company ( XXXX XXXX ) and the loan holder ( XXXX XXXX ) are requiring me to get a BPO ( Brokers Price Opinion ) which costs {$100.00} for determination that my house has not decreased in value. 

Per the HPA ( Homeowners Protection Act ), when a homes LTV reaches 78 % of the original mortgage amount the loan servicer has to request the PMI be cancelled. Chase Mortgage will not request the PMI to be cancelled unless a BPO is obtained. I am being penalized by paying extra on my mortgage to get the PMI cancelled earlier than the predicted amoritization date of when my LTV would be 80 % which was predicted to be XX/XX/XXXX. 

Furthermore, if i had not been forward thinking and not checked on this my PMI would have been automatically canceled in XX/XX/XXXX, however my LTV would have most likely been around 70 % at that point. I would not have received a refund on the PMI that was not required to be paid based on I reached a LTV of 78 % in XX/XX/XXXX. I would have paid approximately an extra XXXX on PMI that was not required and that should have been cancelled automatically when my LTV reached 78 %.
Active hours app is showing that I withdrew {$100.00} on XXXX XXXX, 2017 to be transferred to my checking account, however no money was ever withdrawn and no fund we received in my checking account. I have contacted there support group multiple times, and have not been able to resolve. the last contact was last night. I did advise them that they better not try to take this money out of my account when I get paid on XXXX XXXX, 2017 since it is not something I ever received. I have not received any kind of response from them.
I am beginning to believe the Activehours app is a scam. They have no phone number to call and speak to someone. Everything is done through email.
i believe this all started in XXXX 2017 when i purchased a pair of jeans from " XXXX '' the company that handles the money end to which you send your bill is " XXXX ''. Apparently my payment was two days late " unbeknownst to me '' so i got a late fee of {$25.00} i believe it was. I called after i got my second late fee figuring it was settled and that 's where it all started. I talked to a agent who i told my story that i was charged a late fee and this is when he told me my check came in two days late. He said and i quote '' as a one time courtesy i will remove the late fee '' i think i 'm all set but it got worse each time. They continued to bill me late fee every month which i responded to either via the " XXXX '' web site or phone calls from them each time a different person. On three of the calls to me i spoke to a women and i said i was tired of this and wanted to speak to manager well no one ever came to the phone so eventually i hung up, another call a man went thru it all with me said he saw where the mistake was and assured me he fixed it and i was all set, the third not but a week ago said she likes solving issues and wanted my issue be resolved i believed her. She said what happened was that they did remove the late fee but another late fee was already being processed. The man who said he fixed it said the one time courtesy never went thru so who is right? The last women sounded believable so i went with her but yet today i am still receiving bills have been called too many times to count, have been misled and lied to it also has gone on my cerdit report
On XX/XX/XXXX PennyMac loan services purchased my 30-day old mortgage from XXXX XXXX that originated on XX/XX/XXXX. The original loan with XXXX XXXX came with all of the supporting documents including a Flood Certificate (Standard Flood Hazard Determination Form SFHDF, FEMA Form XXXX) indicating the insured property was in Flood Zone-X and NOT in a Special Flood Hazard Area.The day after PennyMac purchased my loan from XXXX, XX/XX/XXXX, they sent me a letter claiming that "they received a change in the Federal Emergency Management Agency (FEMA) map for my property" and that because of the “FEMA Map change”, my property was now in the Special Flood Hazard Area Flood Zone-A. As such they claimed that Flood Insurance was required immediately. PennyMac provided no proof of a FEMA map change and instead insisted on Flood Insurance coverage for the property which they claimed was now in a high-risk Flood Zone-A because of the map change. The letter claimed that they would force lender-placed flood insurance on my property if I did not provide Flood Insurance or a FEMA Letter of Map Amendment (LOMA) within 45 days.There were numerous calls to PennyMac during XX/XX/XXXX and XX/XX/XXXX (XX/XX/XXXX) asking for proof of a FEMA map change. The official FEMA website states that the map for my property (XXXX) was effective on XX/XX/XXXX and there have been no revisions since XX/XX/XXXX. PennyMac was never able to offer any proof of a FEMA map change for my property-because it does not exist. The XX/XX/XXXX PennyMac letter was pure fraud as the FEMA map had not been changed since XX/XX/XXXX.  The lender forced flood insurance is very expensive and PennyMac offered no remedies other than providing a LOMA statement from FEMA. The LOMA process at FEMA is long, expensive, and complicated. I had to hire a surveyor and it cost me $XXXX for an elevation survey and supporting documents to obtain the LOMA. The LOMA was received from FEMA on XX/XX/XXXX, but PennyMac has refused to fully refund the $XXXX premium on flood insurance they forced in XX/XX/XXXX. The remaining flood insurance premium yet to be refunded is $XXXX.What is even worse, I was never billed for the forced flood insurance, instead PennyMac re-directed additional monthly principal loan payments I made to an escrow account they created which was not part of the original note terms. Further, they have changed/increased my monthly loan payment amount to cover future flood insurance premiums even though the flood insurance was cancelled on XX/XX/XXXX will never be needed. While I have made at least thirty calls to PennyMac over the last five months, my last call was to their corporate headquarters in an effort to remedy this issue. In XX/XX/XXXX I spoke to Ms. XXXX XXXX (XXXX X-XXXX) in their “Escalations Department” who claimed to be able to help but she never called back and has failed to return my numerous voicemail messages.
I have had multiple issues with FedLoan. First, I am required to use this servicer, as I am enrolled in Public Service Loan Forgiveness. I did not have these problems with my previous servicer. 

I am on the Income Based Repayment Plan as I can not afford the Standard Repayment plan on my salary as a XXXX. I was shocked today to discover that my checking account was overdrawn, and when I looked into it further, I realized it was because FedLoan had taken nearly {$1200.00} from my account without my authorization. My normal IBR payment is around {$250.00}. 

I called and they told me I was sent a notice that this change would happen. I never received either a paper or electronic statement stating I needed to do anything for my IBR plan, or that my payment was changing. They then told me I would have to try to dispute the charge with my bank to try to get my money back. My bank was confused, and wanted them to reverse the charge. FedLoan claimed they were unable to do that because they had sent me a notice. I explained that I never got the notice, but it did not make any difference to them. I am now overdrawn and have no guarantee I will get that money back. I live on a tight income, and this is devastating. 

In the past they were totally uncooperative when I asked for them to change my payment due date. I told them on the phone that I was unable to make the payment on the date they assigned me, but they refused to change it. The reasons provided here were vague, and they told me it was connected to my IBR application, and that I would need to go into forbearance and request a new IBR - something very convoluted. My payments were consistently late because they refused to make this change, and I later found out that those late payments are not credited to my account towards my Public Service Loan Program payoff. This represents a significant number of payments stolen from me. 

I have attempted to contact them via their website multiple times over the years and received no response. When I would call and get an operator, half the time they said they would send a form to me it would never arrive. 

I am at the end of my rope with this company and I am locked in with using them.
I had a disputed issue and it was removed from my credit report. 
Before the problem arise I had a perfect credit score. Once they reported the disputed issue to my credit, my credit score has been decreased by 30-40 points. 
Since the issue has been deleted from my report, I think it is fair to get back my original credit score. ( The score I had before the disputed issue ) I haven't got back my points which I used to have before the  disputed issue.
In    XX/XX/XXXX  we purch ased a home on  XXXX  Ohio from the owner for {$48000.00} we made payments for over 5 years until    XX/XX/XXXX . Whe n I  contacted the mortgage company the concern was the extra {$2200.00} they where attempting to collect. I was informed it was for home owners insurance I informed the company we had outside insurance with  XXXX   XXXX  whom I had send them the declaration I was told it was never received so I ask them to send it again. I informed the company I was not paying for their insurance. Then I requested a statement of payments for the past year. To find most of the payments was going to interest and insurance. I again contacted the company informed them of the problem stating I will not pay anymore until the matter is fixed. In   XX/XX/XXXX  we where informed due to non payment they where filing foreclosure. We moved out  XX/XX/XXXX  informing the company we will not pay. In  XX/XX/XXXX  as I was denied for employment I researched the issue to find that I had a nuisance warrant for my arrest f or the property. I contact the city to be informed the title had been released and it was in our name. Because we had it lived in the state for over a year we did not wish to return. We then was informed by another company that we owe them {$48000.00} for the property. So we ow e  XXXX  c ompany we have no idea who they are and we own a home we no longer wish to have.   XX/XX/XXXX  t he city of  XXXX  took possession of the property for none payment of property taxes. So now we do n't own the home and we still owe this other company {$48000.00} plus interest to where they state we owe {$62000.00}. No one can answer my questions o what happened to the 5 years of escrow paying {$420.00} a month with {$5000.00} down that makes it over {$30000.00} that we have no idea what happen to it nor where any payments went for this home. So my complaint is that they not only took our money they are asking for more. Now based on my memory  in  XX/XX/XXXX to  XX/XX/XXXX  t he lenders name changed like  4 diffe rent times without notice to find out it was the same company just changing their name.
My 15+ year mortgage was sold by XXXX to Nationstar earlier this year ( 2016 ). When I contacted Nationstar on XX/XX/XXXX to find out why my escrow disbursement had not yet been sent to myself or the city of XXXX and to find out when and how it would be sent ... Nationstar refused to clearly tell me how the escrow disbursement process worked and I was told that an expedited payment would be sent directly to the city and that I would be contacted as to when the payment was issued. When I expressed my concern and need for my tax bill to be paid in full before the end of 2016 and inquired as to how/when I would know the payment had occurred, I was told I would need to check with the city to determine if/when the payment was received. Nationstar NEVER contacted me about my expedited payment ... I only received SEVERAL marketing calls/emails from them ... .therefore, I contacted them. I was initially told that my expedited payment was issued on XX/XX/XXXX and I have been checking with the city of XXXX every day since then. No payment received. The week of XX/XX/XXXX, I again contacted Nationstar to confirm the expedited payment date and was then told that it was XX/XX/XXXX and not XX/XX/XXXX. I continued checking for the receipt of the payment with the city ... .no payment received. It is now XX/XX/XXXX, still no payment received. I contacted Nationstar this morning to again inquire about the expedited payment and was told that the payment was issued XX/XX/XXXX and pretty much that they 'd done their job ... too bad for me. This is the WORST mortgage service I have EVER received. Nationstar is clearly more interested in marketing to me then actually servicing my loan. I honestly feel like my loan was bought solely for marketing purposes and I am now suffering poor mortgage service as a result.
I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my Trans Union, XXXX, XXXX  reports
I have had issues with Navient over the years and issues with my loans. One of the biggest issues I have had is repeatedly getting misinformation from the loan servicer. In one of the most recent conversations I have had with Navient, I kept asking which bank or loan provider gave me my loan. Navient will tell me that they do n't know and to call the Department of Education. When I call the Department of Education, they keep saying Navient. When I would call Navient back, they would say, " No we are the service provider '' which I have known. After this I would say, " O.K., Since you are the service provider, who are my loans through '' and they never seem to know half the time. At the time of the origination of the loan, the information has not always been on Navient 's site or the NSLDS right away. The school does not tell me either. I feel that this is being done intentionally to keep me in the dark so they can re-sell the loan and add fees. I believe that this is a type of " churning '' of my loans. In other industries, this is illegal. I also feel that there is " detrimental reliance. '' I am given so much misinformation about my loans, it is affecting my interest rates, credit reporting, etc. I am being charged thousands of dollars over what I should be due to bad and misinformation by my service provider Navient. If you pulled up my taped conversations with Navient, you would find this out ( they tape their phone calls ) Another complaint that I have is that I feel that Navient is purposely giving misinformation to collect more fees. One girl kept telling me that on my private loan, I could pay XXXX to " get out of paying '' the loan for three months ( I was having major medical issues at the time. ) What I was not told at the time was that they turn this into Capitalizing Interest which costs about XXXX over the course of the loan or maybe even more. 
The financial aspect of Navient is very interesting. I feel that they are not disclosing the complete terms and conditions. There have been different occasions where I have told the phone agent not to do something and they will do it anyway and I have to call back and insist on speaking with a supervisor. This goes on and on. I have had so many problems with my student loans is it not even funny. 
I feel that I will be robbed of my future due to all of the issues with my student loans. I feel that there should have been more information about the loans and complete information so I could be better informed and make better decisions. There is so much pressure from the colleges to take the loans out and " complete '' you degree. I am very frustrated by this and feel that my education is costing me my future and my livelihood.
XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports
The credit counseling company is called Consumer Shield of XXXX Florida XXXX. I signed a contract with them XX/XX/XXXX through a company called XXXX XXXX XXXX. But their so call lawyers, that's what I was told will not respond to me, anyway XXXX XXXX left the company shortly after he talked me into adding {$3000.00} to my already existing account of {$9000.00} and this money was to go in an escrow account until they got paid then they would take care of my creditors of which I have several, they only communicated with one that I know of and that was XXXX. I got a summons from one of my creditors and consumer shield sent a letter deputing the charges, but a date was set for XX/XX/XXXX anyway and I had to face the creditor without any representation .I called over 45 times from the date i got the letter until I went to court.I pleaded for any kind of help I could get but got no response I also sent numerous emails asking for advice but again I got no response.They finely answered the phone XX/XX/XXXX and I asked to speak to one of the lawyers, I was given the run around and was told someone would reach out to me well this is XX/XX/XXXX XXXX and I have yet to here from them they are nothing but scammers and I wish I could get my money back because they have not done what they said they would do, I had to file Bankruptcy for fear of loosing my house. I thought they were an honest company because they were so nice.
I disputed a paid collection account with XXXX. The account was not in collections but it is still reporting as a collection account. It should be removed immediately. I have disputed this multiple times but have not received any results proving this was an actual collection account.
XXXX XXXX  IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS
a phone number has called me and my family and my JOB saying I am being investigated and will be served papers and a complaint will be filed in my county ( which nothing has been filed ) I called the number back to ask what the name of the company is and they would not tell me who they are. All they said is they are the division of processing and kept asking me for a case number. She refused to give me a company name. I do receive threatening call like this all the time. In the past I paid two loans off and it was to a scammer instead of the proper people. It seems I am on a list forever and ever now of con artist trying to extort money from me. XXXX XXXX has also contacted me threatening the same message.
A truck was rented and stolen from XXXX by an individual that used my credit card and impersonated me over the phone. There is an active arrest warrant for this person. XXXX advised me to call my credit card company, XXXX Bank, and dispute this transaction. XXXX XXXX investigated and credited the resulting charges back to me. I was verbally informed by XXXX loss mitigation that I had no outstanding balance. This was in XXXX of 2014. This year I have been contacted by a collection agency and was advised that XXXX is trying to collect the fraudulent charges from me. I called XXXX and they were no help and told me that the charges were my responsibility even though they were fraudulent. The total amount they are trying to collect is {$1200.00}.
I initiated a dispute with Experian, XXXX and XXXX on XXXX regarding inaccurate information reported on XXXX of my student loan accounts. As of XX/XX/XXXX the information had still not been updated despite the fact that the creditor had updated my accounts and sent out updates. On XX/XX/XXXX I requested cancellation of the disputes with all XXXX bureaus and sent documentation from the creditors directly to XXXX and XXXX in an attempt to have my file updated in order to be approved for a home loan. I was not able to do so for Experian. I spent over 90 minutes on hold, explaining the situation again and again, I was transferred 5 times and told my only options were to upload documents to the website or to mail the documents. The website was not working and no one would help to resolve the issue. I attempted to upload in pdf, with a file size of XXXX, which per the websites instructions was perfectly reasonable. I attempted XXXX different browsers on XXXX computers, I renamed the files, I tried to scan the pages individually. Nothing worked. Not a single representative with Experian provided me with a phone number, an email address, a name or anything else to assist me in sending these documents. The accounts in question should never have been reported as delinquent and are preventing my husband and I from making an offer on a home as we can not obtain a pre-approval. I am beyond furious that on top of being penalized and having my FICO driven down by erroneous late payments ( 3 years of late payments being recorded while these loans were included with a bankruptcy by the co-borrower on the account, not even me! ) and now I can not even update the credit file in order to obtain a home loan and not a single person with Experian lifted a finger to try to help me in resolving this quickly. It had already dragged on for more than 2 weeks. I am quite sure there are other secure methods for sending information, or someone within the company who could have assisted. Further, if their website is n't going to work then someone should be taking responsibility for ensuring there is either an alternative method that can be used besides mail ( seriously, you want me to wait ANOTHER 7-10 business days on top of the 10 I 've already waited because YOUR website is n't working?????!!!! ) to send information securely. As it is, we will likely lose the home we are trying to make an offer on due to mistakes that are not mine because no one was willing to help me.