WillisBack/dataset-financial-user-claim huggingface dataset:
I emailed LoanCare to confirm that if I made a one-time principal payment so that the principal value of my loan reached 80 % of the original value of the property securing the loan, and the appraisal showed the value of my home had not gone down, I would be able to cancel my PMI.
Instead, LoanCare sent me a letter setting forth additional conditions that I would have to meet to remove my PMI, conditions that I do not believe are permitted under the Homeowner 's Protection Act, including that I would have to wait at least two years to terminate my PMI ( See Attachment A ). Then I called customer service to talk about whether or not I would have to wait two years until LoanCare would let me terminate my PMI. I spoke with Customer Service Manager XXXX XXXX, who told me that there was a two-year " seasoning condition '' on my loan, such that I could not cancel my PMI for two years. ( See Attachment B ) ( email from XXXX XXXX directing me to website with information about two year seasoning condition ). I do not believe that " seasoning conditions '' are permitted by the Homeowner 's Protection Act. ( See Attachment C at page 6 ) I am now thoroughly confused and no one on LoanCare 's customer service team has responded to my repeated requests for clarity.
XXXX card paid off in XXXX was sold years later to 3rd party claiming not paid off. Sent in papers proving this to all parties including credit reporting agencies. The debt was removed in XXXX by all bureaus after a thorough investigation, multiple faxes showing a letter from XXXX stating it was paid in full including attorney letter that we got involved. Now last few months, I and my wife 's phone are getting different 3rd party threatening phone calls with no paperwork mailed to me, no notices  whatsoever, just fake phone numbers that appear to be local, but are actually XXXX numbers. The latest was from MSK and Associates XXXX but the number showed up on my caller id as XXXX from XXXX Tn.We lost paperwork in the Hurricane Harvey, but proof is listed on all credit bureaus and with previous third party companies that I faxed all our papers to. So tired of these harassing companies illegally selling and passing our information from place to place on old, paid off, out of statutes of TN debt collecting laws. Please stop them.
On XXXX XXXX 2015 I received a settlement offer letter from XXXX XXXX in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from XXXX XXXX acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by XXXX XXXX showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that XXXX XXXX sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from XXXX to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called XXXX XXXX to clear this up. The rep with XXXX did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to XXXX XXXX about my account and they still had not heard back from XXXX I then called XXXX again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this Third Party collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how XXXX has not abided under the Fair Debt Collection Practices Act.
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
My mortgage manager sent them proof it was n't my lien and they said they can not remove it from my name. I have XXXX lien showing up as mine. My name was put under hers on the tax form XXXX erroneously, I think they thought we were married? Her name is next to her social and her debt and the irs said that should be enough for you all to remove it. I also attached the transunion letter where they found it to be in error.
I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )
My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.
Today Navient called me and hung up. 

I have demanded twice already to be removed from their database, only to be told that there is not a do-not-call list. 
I 've had the same experience with XXXX XXXXXXXX. 
I do not even have a student loan!! 

There is no reason for them to harass me. 

Rules and Regulations Implementing the Telemarketing and Consumer Fraud and Abuse Prevention Act 16 C.F.R 310.4 ( b ) ( iii ) ( A ) prohibits calling anybody who has previously asked not to be called.
XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about  this on XXXX. There is numerous of people they have done this too and have wronged.
Transunion has reinserted negative unverifiable information and has damage my credibility with loan officers.
I currently reside in our home that was purchased for XXXX in XXXX, and we applied to refi in the late XXXX 's and early XXXX 's for college loans and roof repair and unfortunately, unbeknown did not know that the lenders were predatory lenders who escalated our loan to double and now triple the amount to now XXXX! This Summer I was unemployed and unable to make payments for XXXX, XXXX, XXXX. Every week I would speak to a different person at XXXX and they would advise me on what to do and as I did so it was the wrong directions each time I spoke with a Seterus worker. I was told to send a payment of XXXX plus XXXX late charge in XX/XX/XXXX, by certified funds in which I did because there was a block on my account not to accept a personal check, From there I was told a payment plan could be worked out upon receiving those funds. However, the payment was returned the first week in XXXX and my house went into pre foreclosure on XXXX XXXX, XXXX. I happened to call and was told by another Seterus rep to pay XXXX prior to that and the next told me I could not make that payment because of the pre foreclosure status- I spoke with another Rep. he walked me through the modification app which was rejected because of previous modifications in XXXX, etc. I spoke to another Rep from Seterus and she said, " I was put on a re payment plan starting in XX/XX/XXXX, paying XXXX by the end of XXXX and each month until XX/XX/XXXX - Well, I received paper work that stated the repayment plan would be XXXX starting with the first payment due XX/XX/XXXX, instead of by the end of the month which would have given me more time and that's what I had planned for prior to the letter I received - which I think was unfair because the budget was set for the end of XXXX In addition, It must be paid the first of each month-not even the XXXX of the month - Our home is currently underwater and is only worth XXXX because of the predatory loan amount added on over the years which is now an outstanding amount of XXXX which should be reduced to the affordable amount. Not the predatory amount that is designed to put us out of our home after 24 years and continued increases by banks over the years and servicers making money. As a hard working person that was victimized almost 12 years ago I would like to see this predatory loan reduced so that we can afford to continue living in our home and not be foreclosed on and the repayment plan should have been more workable as was the first verbal agreement that was told for the end of each month and funds must be sent certified via XXXX XXXX to arrive the first of each month. I would like for this predatory loan to be reduced to a more affordable mortgage payment or the repayment plan to be more workable for each month. We worked hard to purchase our home and do not want to give it to the predatory lenders who have already made money off us-therefore, the house will continue to be in pre foreclosure status until XXXX XXXX
I am being collected from XXXX different companies for the same exact debt. I have tried several attempts via mail and over the phone to resolve this and the debt collection company National Recoveries are lacking in a lot of areas. They refuse to listen to anything I have to say and keep trying to tell me its a different debt but can not prove it. I asked for proof of the debt and they sent me bogus papers that have NOTHING to do with the debt they are collecting on. I have printed up all of my documents to prove that the amount they are asking me for is currently through XXXX and I am in good standing with XXXX. I had a subsidized and un-subsidized loan somehow end up in a consolidation loan with XXXX/ XXXX , this was not in anyway known from me, since the information they provided to me is not mine other than my social number and the name. None of the addresses or phone numbers matched, besides the point, I worked out a plan with Navient years ago and now National Recoveries is claiming I owe them either the subsidized or un-subsidized portion which they still wont tell me which one. They lack in proving what exactly the total amount is that I owe them for, not how much, but for. I want them to disregard the debt and look at the documentation I have from XXXX, showing XXXX is in fact collecting on both of these debts. I am a XXXX and have 2 more years to go, if they even tried to get one cent from me, they 'd be wasting their time. Its a crime to attempt to collect the same debt and they need to be prosecuted for their actions. They are also alleging that an amount of {$2600.00} was taken then refunded back to me from US Dept of Treasury, this is FALSE, I have proof, documents that my identity was stolen 3 times in past 5 years, the amount mentioned above, is from the person who stole my identity, that was refunded back to that person, not me. Where they get their information from is terrible. I have police reports and letters from IRS proving I have been victim of identity theft several times.
We started a refinancing with Royal United Mortgage XX/XX/XXXX we sent all required documents. Paid to have house appraised XXXX We were told in would take 30 days refinancing process and not to worry about our XXXX house payment because it will be finished by end of XXXX! Well today is XX/XX/XXXX and we still haven't heard anything positive from our loan officer!! And we have been late on our XXXX house payment and playing catch up on our XXXX payment! Our loan officer keeps giving us the tune around that he's working on it! If we didn't qualify why didn't he he just tell us that!! We are very disappointed we had estimates done on our bathroom and garage plus some bills were suppose to get paid off. This waiting has really put us being as far as mortgage payment being late!!!
This company was sent a letter certified mail to verify debt. They responded with a letter that had a copy of a contract with my name typed on it. Anyone can go on a computer and type my name a contract. I want valid proof that I incurred this debt like transaction records. Something that I did like a copy of a credit card transaction with my name on it. Otherwise I do n't see this debt as being valid.
Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, Equifax and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, Equifax and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
This company must be XXXX, because of their lack of bookkeeping they 've been harassing me for over 2 years. They chose to have XXXX separate student loans with the same account number so when I paid for both on a monthly basis they applied it to only XXXX which made it seem like only XXXX was being paid. I asked for them to be combined but they refused so now I 'm being harassed everyday, before XXXX about 5 times or more per day and after XXXX. I continue to pay monthly for both loans.
I have a Citi Prestige Card ( for which I pay {$450.00} per year ) that rewards purchases in Thank You Points. The Thank you points can be used to purchase travel related items. In XX/XX/2016 I purchased two tours through the Citi Thank you Portal 1. Dinner Along the XXXX XXXX and 2. Spectacular XXXX. I paid XXXX points ( {$130.00} equivalent ) for the first tour and XXXX points ( {$46.00} equivalent ) for the second tour. 
The tours were not as advertised. The first one did not provide the tour offered and the second one was cancelled by the vendor. I contacted Citibank upon my return on XX/XX/XXXX by telephone. They assured be the points would be refunded. I contacted again the following week and got the same reassurance. I then contacted again at the end of XX/XX/XXXX and spoke with supervisor XXXX XXXX. I have been in email contact with XXXX XXXX ever since. He called me on XX/XX/XXXX to tell me that they agreed to refund the XXXX by night tour and the points would be back in my account by the end of the week. I am still waiting. On XX/XX/XXXX I was told via email that I would receive the points for the 2nd tour as well. I am still waiting. 
After numerous emails where I provided extensive documentation and phone calls I am still out of my points that I earned via an expensive credit card. I was cheated out of the tours I booked and now it seems I am not able to get my points/money back either.
On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
I started GE money credit card for my teeth and vet bills XXXX years ago. I lost my job in 2008 and consequently lost my residence and became homeless. I received XXXX XXXX years ago and live in subsidised housing. I continued to pay XXXX the minimum and XXXX XXXX to this day. The current hardship from Synchrony Bank to pay my loan off is {$55.00} a month for the next for 4 years. I also pay XXXX XXXX {$30.00} a month to pay off another balance. Both would no longer charge interest. I have duly paid these companies in the years that I have had them. How does one justify extortion from these companies that want even more.
Dear..ma am or sir. Imsending this e mail..because i feel my application for modification wasn t..handled in a fair and just manner ... i was told i sas denied the modification because they didn t receive all my documents..i was never notified about the modification being denied or the foreclosure or the sale of my property..until.another party came to my property and told my tenants not to communicate with me and mot to pay me any rent they currently not accepting any documents..or giving me a chance to redeem my property my name is XXXX XXXX loan # XXXX the address XXXX XXXX XXXX XXXX XXXX XXXX ph XXXX XXXX XXXX your urgent response to this matter would be greatly appreciated. Sincerely..
Upon purchasing my home, I set up an escrow account to handle the taxes and insurance. Based on previous tax information available to me and the Stearns Lending, I was able to tell they were not taking out enough money to cover the taxes. I phoned them about the issue and they assured me they were taking out enough but they would reassess within 90 days. At 90 days I called back still sure they were n't withdrawing enough money and was again assured they were. I specifically stated my concern that I would recieve a large bill if they did n't take out enough and they assured me they were. A few months later, after a disbursement, they even reduced the payment by a small amount. This month I received XXXX tax bill or a {$1500.00} increase on my monthly payment because for the past 15 months, they have n't taken enough out.