WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, I applied for the removal of the PMI insurance on my home based on the increase in value of the home. By letter from my mortgage servicer, PHH Mortgage, dated XXXX/XXXX/XXXX, the PMI was confirmed removed. The letter also stated that the PMI was paid in arrears so I may owe a final payment but that " as of the date of this letter, no new PMI charges will accrue to your account. '' It seemed reasonable to take that to mean that as of XXXX XXXX, XXXX, even if I owed a final PMI payment, it would at most be prorated for the first 7 days of XXXX before the PMI was canceled. 

When my XXXX mortgage payment posted on XXXX/XXXX/XXXX, a charge of {$320.00} was listed as a payment of PMI. My normal monthly PMI charge prior to this date was {$170.00} so I was charged an extra {$140.00} for PMI in XXXX. I called my mortgage servicer to find out about this extra {$140.00} payment and was originally told that this was due to the fact that PMI is paid in arrears so I was being charged for the PMI that accrued in XXXX. Here 's the proration math : {$170.00} ( normal monthly PMI amount ) divided by 30 days in XXXX = {$5.00} ( rounded up ) per day. Assuming I was charged for 7 days in XXXX, this would mean a prorated amount of {$40.00} ( {$5.00} x 7 days ). This obviously does not equal the extra {$140.00} I was charged. When I walked through the math with my mortgage servicer, no one could explain the discrepancy but just kept telling me this was the amount requested by the PMI company, XXXX, and that it was prorated. As the contract for PMI insurance is between my mortgage servicer and XXXX, I was told no one from XXXX would speak to me to explain the extra {$140.00} charge. For this reason, on XXXX/XXXX/XXXX, I requested my mortgage servicer request a breakdown of the {$140.00} from XXXX. I was told to call back in 7-10 business days. On XXXX/XXXX/XXXX, I called to follow up on this request and was told they had no activity in their systems showing a request to XXXX had been made or that any response from XXXX had been received. 

Between XXXX XXXX and XXXX XXXX, I made XXXX calls to my mortgage servicer totaling approximately XXXX hours and no one was able to give me a sound explanation for the extra {$140.00} that I was charged when my PMI was canceled. The mortgage servicer does n't see it as their problem because they do n't have to pay the bill and because of the contractual relationship between the mortgage servicer and XXXX, I can not receive any information/explanation for the extra charge. If a consumer is being charged for something, there must be proof of the validity of this charge. After many hours of trying, I have been refused this proof and told I would never receive it from either my mortgage servicer or XXXX.
Wells Fargo acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing my loan modification request for relief. I have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied me help and I never get a single person to answer my questions honestly or directly. They always have hundreds of people pass of my file amongst each other just to create motion and delays. I intend to keep my home and I meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure without attempting to find workout relief options for me. They have mishandled my documents and my file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out onto the streets. they have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed foreclosure trustee named XXXX XXXX XXXX, and XXXX XXXX to illegally start foreclosure on my property. 
The Wells Fargo and know your rights website gave the result that I am eligible for a loan modification with the lower payment to save my property. So there is no reason why Wells Fargo should have denied my request or started foreclosure on my home.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
This debt is n't even mine and needs to be removed immediately. I was told via phone with original company I was not liable anymore for this as it was paid for. Please remove this for my credit report.
I have been having issues with paying the full payment each month to One Main Finacial. I have tried talking the ladies at the local office and letting them know that even though I am paying less than the normal payme I am paying something at least once a month. I receive harassing phone calls from them on a daily basis pressuring me to pay more that I can not afford to and now thy are calling not only me but my place of employment and my co borrower and his place of employment. I have asked them several times to stop since I am paying something on the loan each month and it continues everyday sometimes XXXX times a day. I am afraid they are going to cause me to loose my job then none of my bills will get paid.
I have been trying to complete a short sale with Roundpoint mortgage for over 2 years. They continue to stall and keep asking for more documents. I finally completed all their document requests as of XXXX XXXX. I was told they have a " complete package '' that was submitted to " processing dept ''. I was told they would make a decision in 30 days.. It has been 47 days and they still will not make a decision. I have a cash buyer that will not wait much longer. This is my XXXX cash buyer. All other cash buyers have walked due to the delays from Roundpoint.Their last excuse was the the buyer 's name was not spelled correctly. I feel that I am not being treated fairly and they should not take this long to approve or reject my short sale request.
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord and XXXX. I also asked them to present these documents from the folowing vendors/creditors : XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX-ACCOUNT:XXXX, and XXXX XXXX XXXX-accoutXXXX and they have failed to do so.
I received XXXX letters in the mail, from Experian and XXXX, respectively, that informed me that an initial Security Alert had been placed on my credit report " at your request ''. I did not request such an alert. The phone number associated with the request ( XXXX ) has no relationship to me and is in another state ( California ). Attempts to reach someone at this number were unsuccessful - the number connects immediately to an answering machine ( my messages have not been returned ). I was able to view my credit report on Experian but there is no way to change the information about the security alert. I will be unable to receive credit for the next 91-120 days because all potential creditors are being instructed, through the credit report, to call this number to verify my identity. I am preparing a letter to Experian but I am not sure how successful this will be. Are there other steps I should be taking?
Capital One has wrongfully reported credit bureau information. Despite numerous telephone calls they refuse to fix this problem.
On XX/XX/XXXX I XXXX XXXX spoke wit Experian and XXXX about a student loan that was report incorrectly in the amount XXXX on an account the was not due until XX/XX/XXXX
Hard credit inquiry without my permission This happened two times XXXX XXXX 2017 XXXX XXXX 2017 I did not authorize these two hard credit inquires against my credit.
On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with XXXX XXXX XXXX and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
This company has furnished a closed account to my profile without my knowledge and has no authority to access or posses my personal identifying information.
XXXX XXXX was the provider for this account, I moved from the location due to a separation and my wife loss the house due to a short sale and she moved also. I have requested a copy of the contract that they have not provided. This erronous item on my credit report is affecting my ability to help my business obtain financing to operate as a business.
I sent 3 letters dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting removal of inquiries from my credit reports that I did not make. I have previously disputed with Capital One and the CFPB and the inquiries remain without any proof that these were legitimately made by me. The inquiries were dated XX/XX/XXXX and XX/XX/XXXX. 

Please remove these as these requests for credit were not done by me, if you feel otherwise, provide a copy of the application that includes my signature.
This is a parent plus loan. This loan was was opened with XXXX Bank in XX/XX/XXXX. I think I may have converted it from Sallie May to this because I was led to think that I had to. The original amount of this loan was {$18000.00} but I still owe {$18000.00} as of XX/XX/XXXX. I had some difficulty paying through some of the years and I think some months some payments were deferred. I can hardly imagine that I still owe almost as much as the original loan after all these years. I am now retired and this is a great hardship on my wife and I. I hope, some how, there is some relief I can get from this loan.
I Had opened a loan amount of XXXX at TD bank in XXXX   where i then used the money to purchase a XXXX XXXX XXXX. I Recently moved to XXXX, and there are no TD BANK in XXXX. The only way they would work with me is to go into a branch but the closest one is 1000 's miles away. Can not make payment over the phone and could not make payment online. Was not accepted. Because of the recent move i recently have gone through financial hardship and had been late on making payments because they usually automatically took the loan amount out of my account but it was not working so i would have to mail in checks but the day that they needed it by was not my pay day.
I am a single mother trying to purchase stable housing for my daughter and I, I found the perfect home and am in the process of closing however an old Best Buy credit card issued by citi bank showed on my credit report, so I reached out to the charge off department to pay the debt and get a payoff letter expedited so I can make closing, the representative informed me that it will take 25 days to get your letter and thats policy! Wow,! So I asked if there can be something a supervisor can do to help get this resolved so I do not loose my home and they said Im sorry but thats not our problem, so when I finally got to a supervisor they informed me that I am not sure what you expect me to do but its not our fault you have no where to go but its sytem generated and we cant do anything for you. So as large of a cooperation that Citi Bank is, there is no one that can help me. And for the supervisor to tell me its not our fault and there is no one that can help you get this taken care is disturbing. I have never been treated with such disregard and spoken to so rudely.
Debt was finalized XX/XX/2016. I 've retain letter notifing that debt was paid in full. This is ridiculous and unfair.
I send a letter to Equifax with a copy of my V irginia Drivers License, a  copy of my Social Security Card and a copy of a current bill showing my current address. I asked Equifax to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Equifax. They sent me a letter dated  XXXX   XXXX ,  2017  stating l must pay {$11.00} for the report, when i specifically stated to them in my letter l was requesting it based on adverse action. Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV webpage : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Equifax send me a paper copy of my report as state by  Federal Law.      Thank You  XXXX   XXXX
Improper contact or sharing of information. Contacted me AGAIN instead of my attorney. ( See previous complaint ). I received a letter from SPS, postmarked XX/XX/2015, addressed to me. It should have been addressed to my attorney, XXXX XXXX. This is the XXXX violation of consumer financial protection law, in my case, concerning improper contact. Letter and envelope is available on request. XXXX XXXX
XX/XX/XXXX I applied for the America Express " XXXX XXXX XXXX '' card. I was declined with a credit score of XXXX as I am a XXXX building credit. I feel that the selective process in which America Express used to decide my creditworthiness was not fair. I am a XXXX XXXX in my late XXXX. Honestly, from my perspective, the credit industry as a whole is flawed to the point that it is a disgusting degenerate sore in our society. The percentage rates for people building credit are unfair to the point I feel like a third class citizen. This feels as if the credit industry has the right to be credit XXXX for the lack of a better term. I contacted American Express on XX/XX/XXXX at approximately XXXX XXXX. to dispute the declined status on my creditworthiness as I do not agree with it. American Express listed off several reasons why they declined my application for credit ; the most I took away was that my credit score of XXXX was not good enough, and the representative said those exact words.
I attended XXXX of XXXX through XX/XX/XXXX- the closure in XX/XX/XXXX. I was half way through a 3-year program. Now, I signed a contract to pay my loans had a received an education from there, well as you know the school was shutdown. Since they didn't keep their end of the deal I am not responsible for repayment, in fact I believe I deserve a reimbursement. The Federal loan was " forgiven '', rightly so, but XXXX XXXX XXXX wont leave me alone, claiming I owe them {$4800.00} in private loans. I'm not asking for a reimbursement, although it's owed to me considered time lost, all I want is to improve my credit score and to get rid of this loan which I don't think I owe, and to stop the harassment. 

Thank you.
I have an argument with Bank Of America ( BOA ) on payment crediting date on their credit cards. 

The situation is very simple. I have an XXXX credit card with BOA. A transaction of {$32.00} was posted on XX/XX/2017. Around XXXX PST XX/XX/2017, I submitted a payment of {$32.00} on BOA online banking website. Coincidentally, the statement date for my XXXX credit card is XX/XX/XXXX. So I would expect the statement balance to be XXXX because the {$32.00} was submitted XXXX PST on that day. However, this is not the case after I see what BOA online banking shows today ( XX/XX/XXXX ). The statement balance is {$32.00}. So I called BOA about the problem. After I was transferred to the right person, he was trying to explain that credit card balance will not be updated until the payment is completely processed, which I agree. However, statement balance should be XXXX after the payment is submitted before the cutoff time. I do n't care how much time BOA is working with XXXX to get money electronically as a customer. So my call with BOA ended up being very unhappy for both sides. In my case, this is about statement balance and statement date. What if it is payment due date? Would I be assessed interests if yesterday were the payment due date and I made payment that day XXXX PST? This is not fair for statement balance because that is what interests are calculated from. 

Currently I am holding around XXXX credit cards with different issuers, including XXXX, XXXX, XXXX and XXXX. All these issuers will take the last day payment into account for calculating statement balance even if I make a payment on Saturday, as long as the payment submission time is before the payment cutoff time. I do believe that BOA 's behavior is kind of predatory on customers because it accounts for additional time over which customers have no control. 

I would kindly ask BOA to correct the statement balance to XXXX and report an update of statement balance to all the credit bureaus.Otherwise I would prefer to end the credit card relationships with BOA for its predatory behaviors.
I never received statements from  XXXX   XXXX . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score.
At the time I took out the vehicle, I had set up the entire lease to paid each month via Electronic Auto Pay. at the end the leasing company failed to deduct the payments and resulting in negative impact on my credit report.
The bank I use is JP Morgan chase bank. My debit card was stolen from me on XX/XX/2018 and its pin was also stolen. I did not know the card was stolen from me at the time and the theif racked up {$4800.00} in charges at 4 different places. At two XXXX they charged around {$3000.00} and at two separate atms around {$20000.00}. Also my bank allowed this person to call and transfer money over from savings to checking at odd hours of the day totaling the amount of {$8000.00}. This all happened in the span of 1 hr and my bank did not stop the card from use. I wasnt aware of any of this because at this time I was sleeping. I have never used my card in the locations or banks money was spent or withdrawn. These location are 45 miles away from my house. My back which is chase bank will not refund me the money. Their only reasoning on not covering my fraudulent charges is that my pin was used. They arent working with me and every time I call to try figuring it out I get put on hold and dont talk to anyone. They keep telling me they cant do anything about it. Ive shown them police reports and photos of another individual using my card from the police.
I contacted OCWEN Loan Servicing about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.
consumer stated that her complaint is against Wells Fargo for not refusing to open a business account for her
I got a car from XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX and it was from Lobel Financial. I recently read reviews from Lobel Financial and I see I am not the only one going through this. My credit reports from all credit bureaus say I have a numerous amount of late payments. I actually did n't have that many late payments and the last payment I made was a payment arrangement, they said I am safe if I made the payment by the XXXX of every month but I still called because all previous payments were always made by the XXXX of every month. The worker said I would be fine because there is a grace period till the XXXX of every month. The night before my payment arrangement my car was repossessed. I was able to get my belongings out for {$80.00} but they would n't let me take my speakers or anything and the price to pull the vehicle out was ridiculous. They sold the vehicle and still demanded full payment of the whole price of the car which was XXXX XXXX something and now they was {$5200.00} in fees. I called and told them that was unreasonable because they sold the vehicle and I can not pay for a vehicle in full that I was not going to get back. They took me to court and garnished my wages of {$400.00} every paycheck! I went to court and fought it and the judged ordered them to stop all payments, refund my garnished wages and to drop the case and amount. This company then reopened it on my credit as a charge off in XXXX XXXX when this hit my credit and was repossessed in XXXX XXXX. I contacted them to remove it and update it and they refuse because I did n't payoff the vehicle they already sold.
Equifax negligently allowed, intentionally or otherwise, outside parties to access my personal information including name, SSN, and DOB. Equifax neglected to take necessary steps to protect this information and has a history of ineffective and improper security passwords including emailing PLAIN TEXT PASSWORDS to their users ( XXXX XXXX XXXX, known since 2011 ). If Equifax can not handle proper password encryption procedures, I can only imagine how improperly they handle the rest of their consumers ' personal data which I am sure contributed to this failure in security.
Charged {$320.00} in overdraft fees because my account was showing I had more money than what was available and the bank said it 's because some items were pending and the charges occur often the items go through regardless of the order of the purchases.