WillisBack/dataset-financial-user-claim huggingface dataset:
We have been attempting to remove PMI from the mortgage of my single family residence as we believed we were able to request this when the LTV reached XXXX %. I paid for an appraisal to get the new value of my single family residence toward XX/XX/XXXX. After the appraisal, I was told that my request to remove PMI was denied because my LTV was at around XXXX %. Confused, because it was my understanding that the PMI can be removed at XXXX %, I further researched the issue, contatced customer service and was told that my " townhome or condominium '' needed to be at XXXX % LTV. Then, I came to the conclusion that Chase has me listed as a PUD instead of an SFR. I submitted a work order to have my property correctly listed as a SFR ( stated on the appraisal, page XXXX, section XXXX, line XXXX ) and to check back in about 10 business days which would have been around XXXX/XXXX/2015 ( The customer service rep agreed that SFR 's should be able to waive PMI at XXXX % ). I did exactly that. Chase stated that we work order was completed and I asked a mortgage specialist to resubmit the request as an SFR instead of a PUD. I received a call stating that request was still denied. I called in today to get the exact amount of additional principal needed to get my LTV down to XXXX % ( Chase stated that it needed to be below {$300000.00} ). In doing so, Chase 's automated system still stated facts about my " condominium ''. I do n't have a condominium, I have a single family residence. Becasue Chase has incorrectly listed my home as a PUD, they have cost me almost {$1000.00} in PMI that should not have been paid.
XXXX XXXX XXXX open XXXX Amount XXXX account paid in full XX/XX/2018 For the amount of XXXX
I have reviewed my personal credit report and noticed two accounts listed from Professional Debt. I have mailed two notices to the company requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. My first letter was sent via XXXX certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. I received no response so I sent a goodwill letter on XX/XX/XXXX received XX/XX/XXXX. I have yet to receive any communication.
Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at Discover. She declines to return my phone calls and will not respond to my letters. 

Discover is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. Discover card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted Discover and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
I have a mortgage with USAA, which is being serviced by XXXX. I have attempted to make extra payments on my loan in hopes of lowering my interests and shorten the terms of my mortgage. Rather than applying all payments towards my mortgage, USAA through XXXX, does not apply payments as they are received. Instead, my money is placed into an unapplied account. This means USAA applies only 12 of my 13 payments, which does not lower my interest or shorten the life of the loan. I have complained about this process with the CEO of USAA and other executives. I ca n't up and move my mortgage, which USAA knows. USAA also will not change the servicer of my loan. This prevents customers from paying off the loan sooner and keeps money in the banks pockets.
I have had this item on my report since XX/XX/XXXX called " Dept of Treasury '' to the tune of {$37000.00} on my Equifax report. 

I have disputed this item several times, in 48 hours flat every time it comes back as " Verified '' considering it is pure fraud I'd love to know how that is possible, but of course Equifax will not share how it " Verified '' I have demanded to see my signature on this alleged " debt '' no signature was every produced yet it " verified '' In XX/XX/2015 New York State attorney general XXXX XXXX stated " The bureaus often outsource thousands of disputes daily to workers overseas who generally are told to translate the problem into a two- or three-digit code that is fed into a computer ; the code and any documentation are sent to the creditor. If the creditor verifies the information, no further investigation takes place '' This was to change but it appears it is still happening today over 3 years later ... ... 

No one is governing these people no one is enforcing ANY rules up them. 

Force these companies to show a signature or remove it. 

In todays world, the consumers input is less important than the bank or collectors input, said XXXX XXXX, credit expert at XXXX, adding that the credit agencies always take the companies word over consumers. The attorney generals settlement changes that. 

Let 's be honest this is a BUSINESS and the collection agencies PAY for this type of reporting, WE as consumers are not Equifax 's customer, they are!!! This is nothing shy of monopoly on credit reporting fraud. 

I have sent notarized letters to XXXX XXXX - XXXX XXXX XXXX - XXXX customer Care XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX and most importantly XXXX XXXX Both Via email and USPS mail to each and every one of them I have got ZERO response on this issue however in the time since I have had TWO disputes " Verified ''
Synovis mortgage company continues to harass me each month for payment on XXXX mortgage even though each month a payment has been made for 10 consecutive months. As I mention over and over to to XXXX XXXX at Synovus. The home is for sale and we can only make one payment a month
I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on  XXXX   XXXX ,   XXXX  . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license.   Proof of my claim of identity theft : A copy of the police report about my identity theft.   A completed and signed FTC Identity Theft Report.     I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft,  not later than 30 days after the date of receipt of a request from a victim. As of  XXXX   XXXX ,   XXXX  , I have had no response fr om Barclays regard ing the request for records.
XX/XX/XXXX I signed up XXXX of my boys for a XXXX XXXX XXXX with the name XXXX XXXX XXXX after researching about the curriculum and core values. This is a local XXXX area chapter of XXXX XXXX XXXX XXXX whose main headquarters is in XXXX XXXX California. After 2 weeks, the gym changed its name to XXXX XXXX and was no longer affiliated with XXXX XXXX. I discussed my concerns with the local gym owner with name XXXX XXXX but he directed me to call Affiliated Acceptance Corporation ( AAC ). I  was also informed that it was not possible to cancel the gym membership. I called AAC several times and wrote to them on XX/XX/XXXX to formally raise my concerns about the AAC trying to collect debt. My lawyer sent them a letter to cease harassing me with collection notification via mail and phone calls. It is now XX/XX/XXXX and they are still at it. They will quit for few months and then start again. AAC told me in their response letter dated XX/XX/XXXX they were unable to process my request to cancel the membership. My take in this matter is that this gym offered me a membership and affiliation with XXXX XXXX by repesentation and then I got a generic XXXX XXXX instruction from former XXXX XXXX instructors. AAC came in the mix because according to the owner, he hired ACC to collect monthly gym memberships because he could not afford an accounting department to process such collections.
a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX   XXXX, XXXX , Convergent Outsourcing , Inc .

The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX  XXXX  I have a suspicion that Convergent may be trying to perpetuate criminal fraud.
In XXXX, I missed a payment on my mortgage due to a miscommunication between my wife and i. We are in the process of switchign jobs and relocating, and the issue just slipped through the cracks ... we each thought we had paid the bill. When we realized this mistake, we called XXXX and apologized, and rushed a payment. XXXX at the time told us that they would not report to the credit agencies since we had been on time for so long. 

Last week, i checked our credit reports and learned that us bank had in fact reported it. I called us bank, who said they were unwilling to correct their mistake, and they would not honor the promise they made to me when i called in XXXX. 

My own opinion is that this is a prime example of the banks punishing a consumer unnecesarily when they are trying to do the right thing, and I would like XXXX to rescind the report, and for experian to re-calculate my credit with a good payment record. 

Also, as a side note, we have paid this mortgage on time for many years.
FedLoan Servicing unlawfully limits student borrower payments to eight ( 8 ) per month. Despite multiple inquiries, FedLoan Servicing is unable to specify on what legal authority it relies to limit borrower repayment options. Absent a lawful authority, the most likely rationale for this usurious practice is to make it more difficult for borrowers to repay loan balances in order to maximize interest collections. It is worth noting that no credit card, mortgage, and automobile creditors follow a similar practice. As such, FedLoan Servicing is unique in its unlawful and usurious behavior.
Company is reporting this account on all three of my credit reports as bad debt, this is not my account. I have reached out to the company and asked for verification of the debt. The account was opened XX/XX/XXXX and I contacted them on XX/XX/XXXX about the issue and it did not get resolved.
On XX/XX/2017 i saw an unauthorized transaction of XXXX on my credit card with the description " *PAYPAL ''. 
I instantly logged into my PayPal account and filed an " unauthorized claim '' for that transaction. 
On XX/XX/2017 PayPal told me through email that the transaction was unauthorized and refunded the total amount in my account ( not my card ). 
In the next days PayPal permanently limited my account ( too risky for them ) without give me the possibility to withdraw that money to my card. 
Why refund me if you do n't let me take my money back to the card? 

I called them and the phone guy told me that PayPal sometimes holds the money for 180 days to cover any chargeback or claim. 
I NEVER received a payment on my PayPal account, i created it only for online shopping. 
There are no incoming transaction and they know it. They can check my transaction history in 1 minute. 

At the moment they are holding my money for absolutely no reason. I CA N'T receive chargeback or claim because i simply have n't received payments. 
This is an abuse. I do n't care that my account is permanently limited, but let me withdraw my money.
Our home mortgage is with Ocwen. They were supposed to set up an escrow account for our property tax and insurance. They did not do this. We have been paying our own home insurance from the beginning. Our insurance provider has tried multiple times to coordinate with them, but to no avail. For this reason, I have been paying just the mortgage amount, no escrow. They are now demanding the escrow account be paid up, even though when I call customer service, they tell me I do not have an escrow account. I do not want to send them any escrow money, since I am paying my insurance and taxes on my own. I am unable to obtain a satisfactory answer from their customer service department. All they do is assure me they have put my question into the " system '', but there is never any clarification.
DISCOVER CARD SERVICES HAS BEEN GIVING ME MISLEADING INFORMATION ON MY CREDIT CARD ACCOUNT BALANCE AND THEY NEVER DULY RESOLVE ANY ISSUE THEY PROMISED THEY WOULD FOLLOW UP ON. I PERIODICALLY CALL THEIR TOLL-FREE NUMBER AT XXXX AND I GET ROUTED TO DIFFERENT DEPARTMENTS WITH MISLEADING INFORMATION. THEY ARE RIPPING ME OFF WITH THE INACCURATE BALANCE ON MY BILL WHEN I CLEARLY EXPLAINED TO THEM THAT I AM NOT FINANCIALLY RESPONSIBLE FOR FRAUDULENT CHARGES ON MY ACCOUNT AS I HAVE BEEN THE VICTIM OF INTERNET FRAUD, ON WHICH I WAS ABOUT TO FAX OVER DOCUMENTS TO THEM. THEY CLOSED MY ACCOUNT WITHOUT INFORMING ME OF SUCH ACTION WHEN I CALLED THE PAYMENT CENTER IN OHIO AND TOLD THEM THAT I WILL BE MAKING PAYMENTS ON THIS ACCOUNT TO TAKE CARE OF CHARGES INCURRED EVEN THOUGH I CLAIMED THAT I AM NOT RESPONSIBLE FOR SOME PAYMENTS POSTED ON THE ACCOUNT THAT WERE ALLEGEDLY RETURNED. DISCOVER IS TAKING SOME ADVERSE ACTION TO RIP ME OFF AND CAUSE EMOTIONAL DISTRESS BY OVERINFLATING THE CURRENT BALANCE FROM {$2800.00} ( THE PAST BALANCE IN XX/XX/XXXX ) TO {$6200.00} WHICH THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS TO CAUSE ME SIGNIFICANT FINANCIAL HARM AND EMOTIONAL DISTRESS WHEN I HAVE CLEARLY EXPLAINED TO THEM THAT WHATEVER PAYMENT WAS RETURNED UNPAID ON XX/XX/2016 ( {$3500.00} ) WAS NEVER CREDITED TO THE ACCOUNT AND WAS NEVER DEBITED AT ALL. I RECENTLY MADE A PAYMENT ONLINE ON THIS ACCOUNT IN THE AMOUNT OF {$36.00} AND APPLIED THE CASH REWARDS BALANCE OF {$12.00}, FOR A TOTAL OF {$49.00}, ANOTHER OVERINFLATED MINIMUM PAYMENT DUE AS A RESULT OF THE OVERLY INFLATED AND INACCURATE CURRENT BALANCE FOR XX/XX/XXXX. I WAS INFORMED BY DIFFERENT AGENTS I SPOKE TO THAT THE CASH REWARDS BALANCE WOULD BE APPLIED TO MY MINIMUM PAYMENT DUE WITHIN 2 DAYS FROM XXXX XXXX, A DAY BEFORE THE DUE DATE OF XXXX XXXX FOR THE CURRENT BILLING CYCLE. HOWEVER, WHEN I LOGGED INTO MY ACCOUNT ONLINE, THE WEBSITE REFLECTS THAT DISCOVER HAS NOT APPLIED MY CASH REWARDS BALANCE TO MY MINIMUM PAYMENT DUE LIKE THEY SAID THEY WOULD. I WAS EVEN INFORMED THAT THEY WOULD WAIVE ANY LATE FEES I WOULD HAVE INCURRED BECAUSE OF SUCH TECHNICAL ERRORS THAT THEY HAVE BEEN HAVING ON THEIR WEBSITE. THE AGENTS I SPOKE TO CONSISTENTLY TOLD ME THAT THEY HAVE BEEN HAVING PROBLEMS WITH THEIR WEBSITE AND THEY CONSISTENTLY APOLOGIZE FOR THEIR MISTAKES BUT NEVER FOLLOWED THROUGH WITH THEIR PROMISED AND PROPOSED COURSE OF ACTION AIMED TOWARDS A RESOLUTION OF MY PROBLEM. NOW, I AM HAVING PROBLEMS WITH MY CREDIT REPORT BECAUSE OF INACCURACIES PERTAINING TO MY DISCOVER CARD ACCOUNT 'S CREDIT BALANCE WHICH THE CUSTOMER SERVICE AGENT HAS NEVER BEEN FORTHCOMING AND EFFICIENT ENOUGH TO RESOLVE. I CAN NOW FIRMLY AND AFFIRMATIVELY STATE THAT AFTER 30 CALLS I PUT IN TO DISCOVER CARD CUSTOMER SERVICE DEPARTMENT LOCATED IN DIFFERENT STATES, THERE IS NO CONSISTENCY, ACCURACY, DUE DILIGENCE AND TRUTHFUL REPRESENTATION OF FACTS FROM THIS CREDIT CARD COMPANY. THEY ARE UNSCRUPULOUSLY AND INTENTIONALLY CAUSING ME INTENSE EMOTIONAL DISTRESS WITH THE WAY THEY ARE ADVERSELY IMPACTING Y CREDIT.
I had taken out a loan with Quality Lenders and my grandmother passed away, I came home after services to find out the company I worked for had decided to let me go. I explained this to them and said I would pay as soon as I could. They never offered me a settlement on the debt, they also never offered a payment plan. They harassed me on XXXX as well. The girl 's name was XXXX and her XXXX said " XXXX XXXX '' with the information for Quality Lenders, they violated my right to privacy by doing so. They would comment on pictures that all of my friends and family as well as potential employer, and anyone who might look at my XXXX page see. I had to block three profiles. It is now in the courts. I paid XXXX before I left home. The balance should have been about XXXX. I got a paper in the mail for nearly XXXX. The companies have since closed in South Dakota. I feel that I have been harassed.
I got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property
We had a mortgage loan with Wells Fargo beginning on XX/XX/XXXX in the amount of {$140000.00}. The loan was assumed on XX/XX/XXXX and Wells Fargo records show that the payoff amount was {$140000.00}. A Qualified Written Request was sent to Wells Fargo on XX/XX/XXXX asking for the amount of the mortgage at the time it was assumed, the name of the company assuming the loan and the amount held in escrow. The name of the company assuming/paying off the loan was not provided in their response of XX/XX/XXXX nor the amount of the mortgage. 

I received a letter from XXXX in XX/XX/XXXX stating that the are now servicing the loan. 
Recently I had my financial advisor, my father look at the transactions and he discovered that XXXX had inflated the loan upon assuming it from the amount due of {$140000.00} to {$140000.00} AN INCREASE OF {$7000.00}. This was hidden from us and attempts to get Wells Fargo to provide information re company assuming the loan and the amount of the mortgage at the time it occurred has fallen on " deaf ears ''.
Equifax has improperly handled credit report blockage under FCRA 605B. All of my data has been compromised because of your company ( Equifax ) breach. The accounts showing up on my credit file should be block due to fraud. I have filed a report with FTC several months ago and submitted this information to your company to have this issue resolved. The other two major credit bureaus have removed all fraudulent accounts. Equifax is the only company that will not comply with FCRA regulations. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from identity theft. 

I have attached Proof of Identity, residency, and FTC ID report.
They have been calling me XXXX times a day, XXXX every hour on the hour from XXXX to XXXX. Sending mail to my house, looked up my mother, brother and father on public record and called them about my loan, call from a blocked number and have lied about it. Lied to my brother saying I listed him as a reference ( I did not ). Then when I asked how they got the information, they told me they looked it up on public record. I told them it was XXXX, they told me it was not. I have emailed them saying it 's XXXX, yet they continue to call.
A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.
the whole loan is the problem, i have been paying on this loan for 11yrs for a {$4000.00} loan, was in forbearance one time for about 3 months.i have contacted them and can get nowhere with this, i do n't know where else to go with this. but between all the disbursement fees, loan fees, late fees ect ... i still owe {$4300.00} how is this even possible! i even show late fees on here before money was even disbursed??? and i have no way to track these fees. also this money was suppose to go toward my school supplies and because my FASFA did not come in on time they put this money towards school fee 's, which resulted in my having to quit because i could n't get my supplies. they told me that they could disburse the money how ever they seen fit. so i only attended for one quarter.
trans Union,  states that even though I paid the accounts in full that they will not delete the record from my credit report, one of the bills account number  XXXX , is not found and there is no information on the debt nor do I owe it.       Attached money orders to show proof of payment in full.   I want the records taken off my credit report, as the Fair credit act allows. within 30 days from the date of full payment
I have disputed this item before ( CFPB Case number : XXXX ) and have still to be provided proof that I EVER received a letter with a right to dispute ( which I very well would have ). Legally, ( as they very well know ) I have a right to dispute. We have moved several times. Is this why? If so, they still by law must have provided ME with a collection letter with my right to dispute. Because of this ongoing mess and the failure to provide such a document once again, I am requesting this item be removed from my credit reports.