WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is serviced through Ditech. I have PMI on my mortgage. I performed a substantial amount of work on the home and I called Ditech to ask what the procedure is to remove the PMI due to increased value of the home. The representative stated that I needed to order an appraisal and forward it to an email address she provided. I specifically asked if I could order the appraisal myself and she stated that was their procedure. I informed her that I was having an appraisal done by another lender as part of a HELOC application and I asked if could use that appraisal and she said absolutely. I submitted the appraisal as instructed and was called a day later by Ditech informing me that they could not use the appraisal as they need to order the appraisal. When I pointed out that this was in direct conflict with the information I was given the representative acknowledged that I was given the wrong information and promised to escalate the issue to her supervisor for an exception. I got a call today ( 4 days later ) informing me that they can not use the appraisal and would be willing to reimburse me for the cost of the appraisal if I provided them a bank statement showing the appraisal fee being paid from my account. This is not satisfactory as I want to eliminate my monthly PMI of {$100.00} per month and I followed the protocol they provided.
I called to speak with someone today ( XXXX ) about late payments in regards to my student loans for last year. When I mention to the individual I was speaking with that I never received anything in the mail or an email in regards to making payments once I graduated college in XXXX of XXXX ( however I was allowed to walk but had to complete a class for 3 credits which I never recieved ). The fact that these late payments are on my credit history are having a very negative impact on my score.
I have been in written communication for the past six months or more with transunion. transunion has been reporting several inaccuracies on my credit report. the inaccurate information on my report is preventing me from getting an apartment and credit. when i reached out to transunion they sent me a letter stating that the information was verified. I then sent another letter with information that supports the inaccuracies that was sent by certified letter twice and still no response. It was to my understanding under the Fair Credit reporting act. that if any information is reported inaccurately it must be removed. I have XXXX accounts that are not being reported accurately. The accounts in question is XXXX XXXX XXXX and the XXXX XXXX is XXXX accounts in question.. The issue I have withe the reporting and validating the account is that they did n't validate the account. I have asked the company to give me written proof of my signature that i have open the account and they could n't provide this to me so how did transunion validate this account. the date that account first premier claim to be open is showing a different date than what transunion is reporting. also the amount that is claimed that i owed is not being reported correctly the payment history as well not being reported at all or incorrectly. on all these grounds these ground I want transunion to immediately stop reporting this account. Now as for the second account. transunion is not reporting this correctly as well and i want trans union to immediately stop reporting on this account. Transunion claims that this account is valid however they have yet to send me proff of it 's validilty when i reached out to fingerhut they advised that they sold the account. so first off if this account is sold trans union should not be reporting this as a fingerhut account/ I was told that midland credit services has this account and that fingerhut is no longer responsible. XXXX services when i reached out to them advised, that they received the account they reported on the account however after receiving my formal written dispute about this fingerhut account. XXXX decided to immediately cease reporting this account. So why is transunion still reporting a sold account that no longer belongs to the original owner. They are awre that a company can not buy back and an account once it has been sold so why is this account being reported as such. Transunion has failed to " validate '' this account with these error and therefore I am executing my right for the third and fourth time to has transunion stop reporting these accounts immediately
I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, XXXX, and experian remove this from my report as soon as possible.
My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
This is in to ref # XXXX my XXXX complaint against Equifax filed with you XXXX XXXX. On XXXX XXXX, XXXX Equifax choose to contact me ( consumer ) instead of reporting to you ; sending me an email of a investigation ( basically no changes to my report ; attachment ), when in fact I did not contact them ; I contacted The CFPB. Then to add salt, Equifax waits till the deadline to request an additional 30 days to reinvestigate. 
It appears to me someone is playing games. Especially, enlighten of this security breach of information cover-up.
Leased home from XXXX XXXX with co-applicant. Lease term was from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I email company my 30 day notice to vacate. I moved out of the home XX/XX/XXXX. Rent was paid with XXXX  balance for XXXX and XX/XX/XXXX. My spouse and I were divorcing so he remained in the home and I relocated. He stayed in home until XX/XX/XXXX. XXXX XXXX filed eviction and later received a judgement against me for unpaid rent and violating lease in the about of {$3400.00}. They mailed the eviction and judgement notice to the home where I had moved from 2 months prior.and I was not able to present my case along with documentation to say this eviction and judgement has been filed in error. The later sold the account to FCO- Fair Credit and outsourcing who have added an additional {$3600.00} for what they are considering contractual damages for a total of {$7100.00}.
Capital One has refused to credit my account and have rebilled my account for erroneous charges. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ; ... XXXX {$89.00}. Open Drawer XX/XX/2016 INTEREST CHARGE : PURCHASES Interest Charge ... XXXX {$63.00}. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ... XXXX {$86.00}. XX/XX/2016 Merchandise TRANSACTION REBILL Merchandise ... XXXX {$170.00}. All these charges have been rebilled to me and they have applied interest to my account for about {$340.00}.
I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.
My complaint is somewhat complex and involves the practices of Citibank who issued me a credit Card. I made charges on my Citicard ( number ending in XXXX ) and my Balance was {$8000.00} approximately two years ago. I cut up the card and they wont give me all the numbers over the phone so I only have the last XXXX. I entered into a debt management program with a non-Profit agency recommended by the XXXX County government ( XXXX of XXXX County ) which required a 4 year Agreement with all my credit Cards being paid-off at $ XXXX month. The total credit card debt was approximately {$35000.00}. Citibank was paid XXXX/month. No debt was forgiven, but the creditors generally agreed to reduced interest ( about 10 % ) and not to Charge any fees. I made all my payments of {$880.00} on time. In XXXX of 2014 I began receiving calls XXXX times a day from Citibank saying my account was delinquent and they had already made entries on my credit Report. After calling several Citibank departments I was told that a payment was made late in XX/XX/XXXX disqualifying me from the program and that my payments were delinquent after that because the new Minimum payment was more than $ 180 month. All kinds of fees were added to my Balance and they had changed the interest rate to 30 %. They said I no longer qualified for the program because of the late payment and they refused to participate in it anymore and said I had to pay them directly under the new conditions. They had never sent Statements like the other companies so I asked for past Statements and current Statements but they refused to provide them because they said that Statements are not available with the type of Card I have. In XXXX 2014 None of the other credit Card companies reported a late payment. I refused to pay them anymore without Statements and so now I just pay XXXX/month to the debt Management plan. Citibank now calls XXXX times a day even though I asked them to stop and I have to Change my phone number. I figure with the fees and 30 % interest not only have they wrecked my credit I was trying to improve, but the Balance is probably {$2000.00} higher than it was in XXXX 2014. The Penalty for suposedly being late on XXXX payment does not seem equitable. it seems like a scam to extort extra Money out of me. Can they use this as an excuse to just disregard the contract they made with me as part of the debt Management plan. What they are doing doesnt seem morally right.
There are XXXX tax liens on my credit report, XXXX have been released and satisified. I would like to have them removed. I have called XXXX XXXX court and they are telling me they do not report or remove them. I called the Georgia XXXX and they are telling me they do not report to the credit agency. If they credit agency put this there, it should be removed immediately. This is satisfied and released.
Back in XXXX of XXXX ( we have lived here since XXXX but refi the loan and had it put in our names inXX/XX/XXXX ) My husband lost his job due to illness. was fired after 5 yrs, because he was out sick and could not produce a note from his doctor that he was 100 % better to return to work his boss also thought he was to heavy to continue to do his job. he tried to get unemployment but was denied, so I had to try and restructure our financial situation for just XXXX income. I was having a hard time. by XXXX of XXXX my husband XXXX started XXXX and the future looked better but in the meantime I was only paying what I could to get caught up. In XXXX I paid for XXXX mortgage in XXXX I paid for part of XXXX..still falling behind I thought it would get better it didnt by XXXX XXXX XXXX was having XXXX and his health at XXXX was deteriorating.He went in to see the doctor the end of XXXX and they admitted him. He was in the hospital XXXX. Hospital bills were huge I had to take care of the home bills keeping lights on water cars with gas and food let alone his prescriptions still couldnt pay the mortgage. Every time I called to talk to Ocwen I got a different person, having to explain everything over and over everyone asked me to do a modification. I did and turned in XXXX pages of documents when I finally heard from them about 30 days later they told me some papers were missing to resubmit another package. Now we are in the end of XXXX and a nod is recorded and sent to our home. I called Ocwen again and they said to just go ahead and finish the package and send it back. I did and then I find out 8 days after I submitted the second package that the investors of our loan do not do modifications. Now they knew this from the begining but failed to tell us and had us do a whole other package only to reject it once again. Did they try to see if we qualified for other modifications? No they said they only did the " In house modification '' I asked about a pre payment plan they said I had to come up with XXXX in 3 days or I could not do it.I asked them why the deed of trust that came to our home was in my mother in laws name when we clearly had the deed recorded in our name. they said it didnt matter. I think it does I have yet to see the deed that we recorded to have the house put in our name in XXXX of XXXX. Now dont get me wrong but isnt it illegal to sell a piece of property under the wrong name? My mother in law has been dead since XX/XX/XXXX.I called and asked Ocwen if they had the " note '' associated with the deed of trust and they said they did I still have yet to see either the deed in the correct name or a promissary note. Please, theforeclosure sale of our home is XXXX XXXX, XXXX I feel they are rushing it cause we have XXXX in equity. Ocwen has not been helpful, has demanded money for a prepayment plan.Has not produced the right documents and has played with us regarding the modifications. If you can help my family please let me know.Thank you and XXXX bless
My husband and I are working with a Credit Agency to help us get our debt paid. However Global Trust Management is constantly calling me at work after I have asked them not to. They are also using work to reach me at work pretending to be a customer. I have been told to shut up, they will go after my family, start calling everyone I know. I have told the a number of times not to call me at work or on my cell phone, that we are working with XXXX XXXX to get our debt worked out and paid that they need to contact them, however they are still calling harassing me at work. The number they call from is XXXX
In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!
Seterus Inc. is the service provider for my mortgage. I applied for a HAMP modification in XXXX and was offered a streamline modification by Seterus in XXXX. At the advice of XXXX they told me to start the streamline offer until we hear from XXXX. Apparently I have been approved. Since then, I have called to get answers on why their ( Seterus ) system has not updated my loan and they have hung up on me, put me on hold for long periods of time, and given the complete run-around when I ask direct questions. I was told by someone there, that the new modification was deleted by an unknown source and I was out of luck and if I missed payments on the streamlined offer, I would be foreclosed on. I also asked to speak with supervisors on every occasion and was rudely told that was not going to happen.
XXXX I secured a loan modification for my mortgage through Ocwen. My first trial period and payment started XXXX. XXXX payment was paid and accepted. XXXX payment was paid and accepted. when I went to make the final trial payment for XXXX my payment was not accepted. I was making payments via XXXX or XXXX. When I called Ocwen in XXXX, with regards to me not being able to make my XXXX mortgage payment I was told that my loan modification had been denied because Ocwen did not receive the sign agreement in a timely manner and because of that Ocwen will not accept any more of my payments. I disagreed with Ocwen stating that my loan modification agreement was n't received on time and that I had proof and receipt of time and date when paper work was sent to Ocwen. I disputed this with Ocwen escalations department with regards to my loan modification and attached copies of signed loan modification agreements which verified receipt of date to Ocwen. I have spoke to XXXX of Ocwen specialist regarding my situation. XXXX of Ocwen representative one whose a supervisor told me that my loan modification effect should have been approved and executed because the loan modification agreements was returned in a timely manner. I have yet to get resolve for this matter. I have been scheduled weekly phone apts with Ocwen since XXXX. Ocwen has continue to lie and give me the run away with my loan modification. Ocwen has did nothing in good faith to resolve this issue. Ocwen has broken so many laws while dealing with my case. Even though I 'm still in dispute with Ocwen regarding n loan modification with no resolved i received paper work from attorney representing Ocwen regarding foreclosure. I have documentations, dates time and witnesses on my be half, thank you
My insurance at the time should have covered these amounts. This was opened on XX/XX/ 2012 and the  amount allegedly owed is {$1400.00}.
We have Macy Credit card since 2009. This week, we received a letter from Citi Bank that stated we are ENROLLED in Credit Protection program. You have to call # to cancel the enrollment. We thought that this letter is a scam so we called Macy directly about it. We talked to the manager and complained that this is un-ethical business practice selling & charging customers service w/o their approvals. The manager offered connecting me to Citi. I told him that I am your ( Macy ) customer - not Citi. So you ( Macy ) are ok with this practice. He offered again to connect me with Citi Bank. 
So basically Macy knows of the un-ethical business practice from Citi and did NOT do anything to protect its customers base. No comments from the manager ... and again offered to connect me to Citi for cancellation. I told him that you just lost a customer. 

We are cancelling Macy card.
I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.
I RECEIVED AN EMAIL IN  XXXX  FROM   XXXX   XXXX   XXXX   XXXX   ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A   XXXX   CUSTOMER SINCE  XXXX . I CALLED   XXXX   XXXX   XXXX   TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE  XXXX  I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN  XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO.   I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME.   XXXX   XXXX   XXXX   SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO MY CREDIT REPORTS.
I recently went in to open a bank account with XXXX bank at the same time I was attempting to rent an apartment. I was taken by surprise when I was denied XXXX. I have been working on rebuilding and establishing good credit for nearly 8 months now. I have managed to get a starter credit card which I use and pay in full and on time each and every month. I also secured a line of credit, adding {$1300.00} to my utilization and having a debt of {$700.00} and an income of {$5000.00} plus Monthly. I have XXXX items in collections for medical bills {$400.00} and a very old credit card that I have disputed tirelessly because I applied for the card, realized they were charging me XXXX fee for a XXXX line of credit and I closed it that very next month. I am now being charged for that fee and refuse to pay as the company was sued that same year for those high fees. That will come of in XXXX anyway but nevertheless was denied removal. I was taken back when I realized that my credit score had dropped nearly XXXX points. This particular score of XXXX came from Experian, I believe when XXXX in XXXX was XXXX and has dropped to the low XXXX and XXXX whom also dropped my score over XXXX points raised it back up to XXXX this week. I have sent numerous letters and have not received much by way of communications. I have contacted an attorney because I feel that they agencies are not doing their due diligence in accurately verifying data as well as managing the livelihood of people fico scores. My daughter and I have been denied a home because of this sudden drop in score, where it should have been increased not decreased. I have a range in scores of a XXXX point difference between all XXXX agencies and I find that very strange as I HAVE NOT HAD ANY CREDIT FOR OVER 6 YEARS. I lived off of cash alone, assuming no debt. The XXXX medical bills and that awful credit card are the only items on all XXXX reports with different dates and amounts as well. I feel this is unfair and inappropriate conduct. In this case the agencies succeeded in keeping a family homeless and ripped to shreds by fear and stress. They must understand the importance of properly upkeeping someones credit history and score as it effects every area of our lives.