WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I received another alert from XXXX XXXX pulled from TransUnion with derogatory information on a closed account reducing my fico score 30+ points.  XXXX XXXX XXXX XXXX. The creditor has been submitting intentional erroneous information in result of each and every dispute damaging my consumer file. 

The creditor has been monitoring my credit to the point any time their is a positive change since XX/XX/2017 they will update to pull score down through TransUnion. My TransUnion consumer file was 620+ before disputing erroneous information and fraudulent accounts
On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement. 

I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on.
I moved from XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX XXXX to notify them of this move and to find out about the transfer of service. I was told they did not offer Internet Service, Only XXXX XXXX. I wanted to have bundled services ( TV + Internet ) which they could not offer. Because they could not offer Internet Services, I was told that I could terminate my current services in XXXX without an early termination penalty, which I did. After moving, XXXX XXXX XXXX started sending me a bill for {$400.00} for the early termination charge, which eventually went to a collection agency, XX/XX/XXXX, XXXX XXXX XXXX XXXX. I disputed this claim and the debt disappeared from my credit report and I thought they had withdrawn their request for payment. On XX/XX/XXXX Diversified Consultants of XXXX XXXX began a second attempt to collect this debt. Again I Disputed the claim ( Report # XXXX ) but the Dispute results provided by XXXX  favored Diversified Consultants claim. I called Diversified Consultants to try to resolve this claim but was met by a representative of the company that only would tell me over and over again that I owed the {$400.00} and to pay it. I called XXXX XXXX XXXX and found that the debt had been recalled by XXXX XXXX XXXX, the dispute had not been closed in my favor. XXXX XXXX XXXX improperly charged me an early termination penalty and never provided me with a clear statement of why I should pay this charge since they could not offer similar services in XXXX XXXX.
My mortgage servicer is repeatedly and intentionally ignoring my requests to have my PMI ( private mortgage insurance ) removed. 

I have initiated contact with my mortgage servicer Ditech Mortgage several times since XXXX of 2016 requesting that a home appraisal be ordered to remove the monthly PMI payment. 

I have provided them all of the requested information they have asked for several times which I have documented proof of to remove my PMI. 

Representatives repeatedly tell me that although they have this information on file, my requests are missing information, or outdated. Neither of those statements have been truthful.
Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX 
Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. 
Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. 
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.
Each year, I submit documentation to " recertify '' my income to continue with the XXXX XXXX XXXX which I did on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX from FedLoan Servicing stating that they " were unable to process your request '' because they needed a different type of documentation. Evidently, I sent them a copy of my contract which has my annual salary on it but they wanted a pay stub. So I mailed them the paystub and then I received a second letter from them dated XXXX XXXX which stated " Your New Payment Amount '' which increased from {$290.00} to {$2100.00} per month. I called and asked why this incredible increase. They acknowledged that they had received my documentation but that it had n't been processed yet and to call back next week. Then I received a letter dated XXXX XXXX that says " Your payment has been adjusted by {$0.00} per month '' and that my new amount is {$370.00} per month. I called and asked them to explain this and they could n't. I asked to have this amount reconsidered because it was too much of an increase considering that my income at the time had not increased. I called again at least two more times. The last time I called was XXXX XXXX and was told just to start the re-certification process over. I asked during that phone call and then followed up with an email through their website requesting a written response to my concerns. They are not responding. When I called and asked what I should do while my request was being considered, I was told to just pay my old amount, which I have done, but now it looks like I 'm delinquent because I had n't been paying the new amount.
XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
Rushmore Loans overpaid my property taxes on XX/XX/XXXX, received the refund from the counties ' tax office on XX/XX/XXXX, cashed the check on XX/XX/XXXX and has not refunded my escrow account. Better yet, they deny even receiving the refund check which they cashed. My load is up for escrow analysis and they are fraudulently raising my monthly payment.
Received unsolicited phone calls for debt collection company on several different occasions multiple times a day for person that was not me ( Looking for a " XXXX XXXX '' ). They left no information or voicemail. They would call up to 4-5 times per day. Ultimately I called them twice to have my name removed from the list however I work nights and these phone calls were harassing in nature without any information left to identify the collar or reason for phone call in voicemail.
I received a bill for items purchased on my Saks Fifth Avenue card in  XXXX  in   XXXX   XXXX   when I was in  XXXX , Vermont for an employment retreat. I called the number to dispute it and was told by a customer service agent that the company takes care of the rest.     I then started to receive collection calls. I called and disputed it again.     I still received collection calls so I disputed it by phone a third time.     In    XXXX   XXXX   , I was advised by email that I needed to make a police report in  XXXX  to dispute the charges. I advised them that I could n't file the report over the phone or online and because I live in CT and getting to  XXXX  takes about  2  hours so I could n't go immediately.  XXXX   XXXX  in  Saks ' Fraud  Department said I was lying and that police reports can be filed telephonically or online which is n't true.     I went on   XXXX   XXXX   XXXX   to the  XXXX  and tried to make a report and they told me they would n't take it because it had been too long since the incident. Then Saks decided that it was n't fraud, after they literally scanned and placed the signature from my fraud affidavit on the sales receipt. They are identical. Even if I had signed both they would n't be that identical. Besides, any evidence they had should have been handed over to me within 30 days of my first dispute.     I have since disputed the bill with  XXXX   XXXX , the  VP  and  Associate   General Counsel . I sent certified letters on   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   demanding proof that it was me who made these purchases at the  XXXX  store.     I have received no response. As stated in my letter, this is a violation of the Fair Credit Reporting Act.
We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.
I ha ve sentWorld Finance se veral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally. I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as   XXXX  , and that mistakes can be made. On  XXXX   XXXX ,  2017 I pe rsonally went in the office myself and ask for my printout/records but of course they did n't have them so on  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP! If not i will sue. The original creditor can be held liable for reporting inaccurate informatio n (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA le gislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus..   They have also sold this account to  XXXX   XXXX  so it showing on my credit report twice and really effecting me mentally and financially.
XX/XX/XXXX, I applied and was approved for a Citi Forward credit card ( ending in XXXX ) using an online application form. Terms and Conditions that was presented to me at the time of application ( a screenshot is attached ), clearly and explicitly explained that I will earn XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores. However after receiving my first statements I realized, in violation of Terms and Conditions that was presented to me in the online application form, I was not receiving XXXX ThankYou points per dollar for purchases at above mentioned categories. Instead, it seemed that I was receiving only XXXX ThankYou points for those purchases. I called Citi a few times and explained the whole issue, but the only thing they did was explaining to me that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and they did not seem to be bothered by the fact that this was in violation of the Terms and Conditions that was presented to me. I then proceeded to send a letter to Citi XXXX I think to CitiBank Executive Review Department in XXXX XXXX ) and explained the issue, but received a similar response that mentioned that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and ignored that Citi was violating Terms and Conditions of the account. Overall Citi did nothing to resolve this issue. 
It is a few years past this incidence, but the bad feeling about it keeps being with me. At the time I was initially dealing with this issue, I was not aware of existence of CFPB, so I did not file a complaint. Now that I am aware of this possibility and have already exhausted other possibilities, I would like to take this route to ask Citi to follow Terms and Conditions that was presented to me so that my Citi Forward credit card account earns XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores.
There are two addresses listed. I do not live in XXXX. Please delete the wrong address. Thank you.
XX/XX/XXXX-XX/XX/XXXX I went to a for profit school for XXXX. The school lied about their success rates with the students who were actually working. Once done with the schooling I was to start paying my loans back after 6 months. I was never given any licenses except for XXXX. When applying for jobs I was over looked because i had no licenses. I was lied to about getting my pell grants which were supposed to go to my loans to help lower them. In the end it was never applied to the loan amounts. Navient has ruined my credit. I cant go back to school with this loans on my credit.
XXXX XXXX, XXXX has been trying to collect a couple of debts that was originally from XXXX XXXX. I have been disputing these claims since the very beginning, and there should be record of most of my communications with them. The communication started through XXXX XXXX, and then I continued communication on my own behalf. I also have been disputing the information directly with the credit bureaus, XXXX, XXXX. 

I believe the debt amount they are trying to collect and report on my credit report are inaccurate and in violation of the Fair Credit Reporting Act. 

The first account is from XXXX XXXX / XXXX and the amount XXXX started reporting was for {$1300.00}. XXXX started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to XXXX was an account statement on XX/XX/XXXX and the account balance reported to me was {$1300.00}. As of today, XX/XX/XXXX, the amount XXXX is reporting is {$1400.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The second account is from XXXX and was an XXXX XXXX card and the amount XXXX started reporting was for {$880.00}. XXXX started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to XXXX was an account statement on XX/XX/XXXX and the account balance reported to me was {$690.00}. As of today, XX/XX/XXXX, the amount XXXX is reporting is {$990.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The bigger issue here, however, is when I contacted XXXX XXXX, on XX/XX/XXXX at XXXX, directly to try and confirm that the balance being reported by XXXX XXXX accurate, they told me that they do not have access to my files anymore since they sold it to XXXX XXXX This is an IMMEDIATE red flag. I have been challenging a lot of other misreported information on my credit report and all the other companies were able to provide me with requested information. What company would not keep records of their own debts? Even if the debt has been sold to a debt collector? 

XXXX told me that I have to contact XXXX directly to get my balance and confirm any amounts. RED FLAG. This sounds like a CONFLICT OF INTEREST to me. How am I supposed to expect to receive fair and accurate information, from a 3rd party company, that I believe is trying to collect an inaccurate amount, that is MORE than the original debt owed to the original creditor? The company that has financial motive and the company that would PROFIT by charging me a lot more than the original debt in which they probably bought for pennies on the dollar from XXXX XXXX! 

I do not see how this can be fair and I do not see how this information can be properly verified now. I would love for XXXX, XXXX, and XXXX  to investigate the issue at hand with XXXX XXXX, XXXX.
I was charged {$12000.00} dollars for my driveway to be paved and within 4 months it started creating potholes and caving in on the sides. I contacted the contractor and they would not fix the issue. I contacted credit card company with pictures and statements and they reversed the refund and ruled against me.
Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for " cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.
took out a loan from XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full XXXX XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an 80 % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.