WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a mortgage of {$190000.00} from XXXX XXXX XXXX Mortgage XX/XX/XXXX with a PMI of {$100.00}. The ORIGINAL HOME VALUE was {$230000.00}. The mortgage was immediately sold XXXX and had it for 5 years. In XX/XX/XXXX I applied for a loan modification and got approved where my mortgage was now {$190000.00}. In XX/XX/XXXX my mortgage was again sold to Green Tree. Since XX/XX/XXXX I have continuously asked for my PMI to be removed but kept on being denied. This year XXXX XX/XX/XXXX XXXX my mortgage is at {$160000.00} I asked for the automatic termination as stated in the Homeowners Protection Act. I got the run around for months and after months of it, I finally received a letter XX/XX/XXXX that my PMI will be automatically terminated XX/XX/XXXX. It is now XXXX and I am still being charged a PMI and after numerous phone calls, faxes and requests, they are now stating that my PMI will be terminated XX/XX/XXXX!! XX/XX/XXXX I will reach 62 % of my LTV ratio. 
GreenTree ( Ditech now ) is NOT in compliance of the Homeowners Protection Act for the following reasons. 
1. Loan modification in XX/XX/XXXX did not include a new letter or contract for the PMI stating the terms, time of automatic cancellation or when my loan would reach 80 % LTV ratio. They are refusing to supply me with this type of letter. 
2. There was no new appraisal to calculate LTV ratio during loan modification. 
3. They are NOT using the original appraisal value to calculate LTV ratio to remove PMI. I do not know what value they are using because they did not do another appraisal on my home besides the original appraisal. I asked them for the appraisals that they have on file and they only gave me the original of {$230000.00}. 
4. Currently my LTV is XXXX % when using ORIGINAL HOME VALUE. 
5. They are not honoring they letter to remove PMI XX/XX/XXXX. 
6. Ditech is now requiring me to complete a customer-requested cancellation where I have to pay for another appraisal, but it is not necessary as this should be an automatic termination since my LTV is XXXX % and nowhere near 80 %!!!! 
7. Refuse to put anything in writing when asked for letters stating their position and explanation. 
8. Refuse to allow me to speak with anyone such as the escrow department other than customer service. Customer service ALWAYS states that they do not know or are unaware and will forward my information and someone will get back to me either by phone, email or mail. No one ever responds. 

GreenTree ( Ditech ) is NOT in compliance with the Homeowners Protection Act of XX/XX/XXXX and should be fined!!
it is about chase auto loan payment, reported to credit bureau at XX/XX/XXXX they said it was later over 30 days. 

Since i bought the car at XX/XX/XXXX, i never received bills from them. 
I called in and paid my very first payment, after that i told them that i never received any bill or letter from Chase auto, they told me it was automaticlly set as paper less. 
i was concerned that i told them my job requires me to travel all the time, i do need to have physic letters sent to my apartment, so my wife and parents can handle it as all the others bills i have. 

But still i never received the payment, neither me or my family got one at all. 

I paid several payment via phone. Back to XX/XX/XXXX, after i paid via phone, i told them i need to have physic letters from them, and set me up as auto pay. 

the representative said they can help, so they put me on hold for more than 20 minutes, and the call ended automatically. 

I thought i have done the auto payment setup. i still never received anything emails or phone call from chase auto. 

at XX/XX/XXXX, i received a phone call said i have a payment overdue for more than 30 days, i paid it off immediately. I asked the Rep how could that happened? I never received bills via mail ( I ASKED THAT 2 TIMES ), and last time when i paid my bill, the rep said they can set me up and put me on hold. Now, they said auto pay can not be done unless i have an chase online account. It is frustrated that i was informed they can set it up for me via phone, but now they said it can only be done via phone. 

Also, during the period of the late payment, i never received any information from them. 
but they kept saying they did. 

Since day one, i never receive their letters for billing, i had to call them by myself to solve the problem. ( i found the information via an app called XXXX XXXX )
In XXXX my JcPenny/Synchrony credit card had fraudulent charges on my card. I notified JcPenny when I received my statement in the mail. JcPenny closed the card and open a new card. JcPenny said they sent me a new card which I did not receive. I received a letter stating they found the charges to be fraudulent and removed them from my account. I contacted JcPenny to let them know I never received my new card in the mail they sent me and I could not log on to my account to view my account. JcPenny said I owe a balance on the account and I told I did not owe anything on my account. I was not receiving statements and I was not allow to access my account since I did not have my new card. My old log in would not work. I requested my statements from JcPenny which I was sent in the mail. I was reviewing the statement on my old card JcPenny removed the fraudulent charges from the account but then but the charges on the new account. I called XXXX XXXX, 2016 to resolve the problem. I was transfer to XXXX representatives including the Fraud Department. I requested another fraud research and nothing has happen since my request. JcPenny keeps reporting I am 30 days past due on my card which I am not. I do n't owe anything on my credit card. I called and spoke to another Representative in XXXX to follow up regarding my fraud inquiry and the Representative said could not help me because she could only view 3 months of my account and could not go back to XXXX to view the account history.
I received an offer in the mail for a loan and applied. When I was approved it stated the {$600.00} loan would have a {$400.00} interest fee. I believed I would have to pay {$1000.00} total. The company does not disclose the full terms of the loan until after the contract is signed and the first payment due. After making payments and attempting to work with them, I have found that despite paying them over {$800.00}, they still claim I owe {$1400.00}. I have also learned these loans are illegal in the state of Florida but this company tries to claim immunity under tribal law, despite a 2014 ruling that tribal lenders are still under the rule of the FTC regarding payday and installment lending. I want the account closed as I have more than PAID IN FULL the amount borrowed and legal interest.
Received a missed call to my business phone number on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     Received another call to my business phone number on  XXXX / XXXX /  XXXX   at   XXXX   XXXX   form  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     I called the numbers back from my personal cell phone to find out who the calls were from. Both phone numbers picked up with an automated system for  " ECMC ' s default management. '' On my phone call to  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /  XXXX   at    XXXX   XXXX    I was connected with a representative. The representative asked me for my personal social security number or account number and I let her know that I was calling because I received missed calls. She asked for the phone number that they had contacted and I let her know that it was the business phone.     She gave me the name of someone that I know and I let her know that the number they reached was the business line and that the person that they were trying to contact was not allowed to take personal calls at that phone number and to please make a record of that fact.     She pressed on and told me that they were attempting to garnish this individual 's wages and that they were going to file a non-compliant employer for my company at the address  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I told her that I was not associated with that address. She asked for more information, but I told her that I was not at liberty to provide any information and asked that it be recorded that the person their company was trying to contact was not allowed to take personal calls at the business phone number.     I feel that I was given private information about an individual that violated their privacy.     Thank you.
I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
XXXX had reported 2 identical accounts from Commonwealth Financial Systems XX/XX/18 in the amount of {$1300.00} it shows up twice. This is due to identity theft because I have never lived in XXXX, KY. I would these items removed because I have disputed the info and CFS stated they would show I am disputing the inaccuracies.
I have made at least three requests for modification of my mortgage with Caliber Home Loans, all of which have been denied. They have not provided sufficient reason for the denial and three appeal letters have always resulted in a denial. I am concerned about the practices of Caliber Home Loans and their possible discrimination against certain type homeowners. They appear to want to appeal to all homeowners and say that offer help for distressed mortgages etc, but they have made no effort to assist us as evidenced by all the denial of modification requests. They only have been servicing our mortgage since XX/XX/XXXX and since this time have been not been helpful in ensuring we can remain in our home.
I had a XXXX scammer from XXXX ruin my account at the Chase Bank in XXXX, XXXX. I cashed the check but it was a counterfeit check and the bank closed the account and sent it to collections. I need to pay off everything I owe Chase Bank and have an account in the positive. I have written them letters and phone calls and BBB complaints and it is not resolved. I see money scam after money scam on TV and get mail fraud from XXXX XXXX in XXXX, XXXX XXXX. XXXX XXXX claiming " XXXX wants me to be rich '' and he says he gives away " miracle money '' and he does n't. The US Postal Inspector should do something about this and they do n't. According to the show American Greed on XXXX mail fraud is a felony. Why do n't they do anything about it? They are on XXXX XXXX XXXX XXXX, XXXX. They and my bank need to communicate to pay off my debt and to open a legit account in the positive.
X/XX/2017 XXXX charged on my boa credit card and bank denied my dispute and now Im stuck paying for something I did not do
This debt does not belong to me and the debt collector is continually harassing me for money for a nearly 8 year old debt. I just want this to stop. I am not paying them anything.
I have been put on multiple deferments and then made to jump through hoops including signing up for at least 3 other sites and then rejected for IBR because I was told the IBR is only for people who 's loan payments are over 50 % of their income.
I have sent several letters to this agency asking for discovery. No one at this agency called Independent Recovery has sent me any proif of debt. The debt is under XXXX XXXX. My name is XXXX XXXX. They advised my file was being handled by an attorney whos number was given to me by XXXX the collections dept supervisor. I called this attorney and he has not returned my call. This has been going on for almost a year. Please help me they have violated fcra requirements. 
XXXX number is XXXX XXXX. 
The attorney who refuses to discuss with me or return my calls name is XXXX XXXX his NUMBER is XXXX XXXX. Ive asked for proof several times and by law if they cant provide it they must remove it. Please help me. There are 5 accounts in question. 
XXXXXXXX XXXX, XXXX, XXXX ( 3 duplications of this account ), XXXX.
XXXX XXXX XXXX Credit Card : has a paragragh in fine print that entices a seemingly innocent plan. In the fine print : [ **Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promotional purchase amount in full within 6, 12 or 18 months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts : Purchase APR is 29.99 % ; Minimum Interest Charge is {$2.00}. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. ] Being a senior citizen I am not able to read the fine print, and rely on the honesty & integrity of the company. I had arranged for my bank to autopay every month for 18 months. Comes the XXXX month, without my knowledge, the autopay stopped 2 weeks before the last payment. Which took me to a non-payment before the end date of the promo. Because I opted for the paperless statements I was unaware of the issue. I contacted XXXX Bank and asked to give a grace period. I prepared to pay the rest of the balance of {$600.00}. Instead they said I owe for the last 18 months of 29.99 % {$2100.00} was my remaining balance. There should a law against this type of credit card interest trapping. After several calls, they agreed to let me pay the balance owed. I am a lucky one but what about others that do not know how to fight these banks? 
Please do not allow banks to trick people. 29.99 % is high enough, but to miss a few days and tacking on the interest from day of purchase is not right. They rely on unsuspecting people to make a mistake like what I did. I will never buy from XXXX XXXX ever again.
I notified Experian that the XXXX account is incorrectly reporting that I was 30 days late with payment in XX/XX/2010. This information is inaccurate and I would like this inaccurate information removed from my credit file.
After Amerihome Mortgage Company LLC failed to contact me about the status of my property tax payments for 2016, I contacted the company customer support line. I received information that my local and county property taxes had been paid to the amount of {$1200.00} and {$640.00} in early XX/XX/XXXX. However, my mortgage payments for the year ... the part included as escrow to cover my estimated tax payments, exceeded this taxable amount. The total was {$3300.00} so I am due a refund, was assured that the Tax Department was working on my case and that they would issue a refund check. 
AmeriHome has not attempted to contact me, other than to send the monthly billing statements so I contacted the customer support line once again. I was told by customer support that that my situation had not been reviewed and that I would need to wait for this review process to take place before receiving my due refund. I asked to speak to a manager or supervisor, was put on hold for 5 minutes and then I was disconnected.
XXXX   XXXX   XXXX   failed at my loan modification and my loan refinancing. Credit report went from  XXXX  to  XXXX . Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a  XXXX  credit score to refinance. It was  XXXX  when I first applied for a loan refinancing. After 130 days it failed.
XXXX XXXX XXXX- collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.
Company has wrote the loan amount off as a loss meaning they got paid for it due to writing the loan off as a loss but still shows on my credit report and are calling me trying to still get paid for the left over amount meaning they are getting paid twice for the delinquent amount.
I was told loan was discharged in BK in XXXX. Now Nelnet is reporting negative to my credit report. In fact they were inaccurately reporting that i my student loans were in bankruptcy as of XXXX XXXX. They have since corrected that error, but now report that i am 90 days plus delinquent. I never received a notice due, late notice or anything from Nelnet. I spoke with Nelnet and they advised they had n't contacted me since XXXX XXXX and even then it was at wrong address eventhough my info is correct with the bankruptcy. Nelnet is inept and i should not be damaged because of their inadequacies. Their inaccurate reporting dropped my score over 70 points and cost me a job that i was offered. On the day i was supposed to start they pulled my credit and because of the score falling below minimum requirements i lost the job. I have since applied again and have been approved for a deferrment due to no income. I cant pay back a loan without a job and i cant get a job if nelnet wont correct their errors and take responsibility for their deficiencies. i.e they did not update their address, they did not properly filed the bankruptcy notice and they reporting bad info to credit report
Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, XXXX and Experian to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.
Freedom Mortgage 1. Does not offer total break down of all charges going into escrow account on website.

2. I received my new tax bill stating bill for my taxes for XX/XX/2018 stating they should be {$4900.00}. This would be a reduction in amount of my monthly payment. I have not received a reduction or any information regarding this new tax bill.

3. I filed for Homestead exemption and over 65 exemption which should reduce my taxes and my house payment. FM still taking out $ 660+ a month and I can not see any break down of this on the website.

4.I did not choose this company. I was forced to take because my closing mortgage company sold my account to them.

5. They dont even allow for online e-statements.

6. There is no place online to pay additional escrow amounts without attaching it to a payment. You have to call and talk to someone, give them your cc number and they then they take it out. I dont know these people and this is about as secure as a fish in the ocean, Yes, I use snail mail to mail it but I dont use checks.

6.I have sent them complaints on their email address only to receive an email stating someone would send me a letter in the mail regarding my concerns! A letter????? Why cant hey answer the email?

7. Backwards, unprofessional, disconnected to internet conveniences for customers. Numerous complaints on XXXX.
I initiated 2 ACH outgoing transfers for {$50000.00} each. 
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution! 
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX  and take XXXX  steps which were prevented by a family member. 

I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry! 


What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement. 

In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC. 

And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.

AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of  never happened of they honored their duty to fulfill my ACH transfers