WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint is against Seterus who refuses to cancel PMI and I have reached out to them on XX/XX/XXXX only with them to reply that I was 30 days behind on my XXXX payment. I sent this letter to them : I am in receipt of your letter dated XX/XX/XXXX. Wherein you stated it was determined that your loan does not meet the necessary requirements for private mortgage insurance ( PMI ) cancellation, therefore, we must decline your request. Furthermore, you stated to qualify for PMI cancellation, you must demonstrate a good payment history over the most recent on-to two-year period. The XX/XX/XXXX installment payment was received more than 30 days past due ; therefore, you have not satisfied the payment history requirement. This is an incorrect statement because as you are aware ; we have never been late within the last two year period. The XXXX loan payment was drafted from our XXXX XXXX XXXX account on XX/XX/XXXX which is confirmed by your own authorization letter dated XX/XX/XXXX Confirmation number XXXX which is enclosed for your review. Additionally, your own correspondence letter dated XX/XX/XXXX responding to our correspondence to you regarding the unprofessional treatment received by one of your representatives. That letter is also enclosed for your review. On paragraph 5 of that letter you wrote : We received your payment of {$1500.00} on XX/XX/XXXX which was applied to your suspense account. So again lets be clear we have not been late as I indicated in my previous letter. In another conversation with XXXX XXXX on Mon XX/XX/XXXX, she advised the XX/XX/XXXX payment was not applied or held in suspense for an unknown reason but she sent an email to have the funds diverted back to the account. We have met every condition to cancel the PMI which states the loan-to-value ( LTV ) must be 80 % or less based on the property type which is FIXED, origination date and value of the property. We requested in writing to cancel PMI, submitted the cancel request form and included the {$350.00} check to cover the cost of the appraisal fee. Under federal law, PMI will automatically terminate on the termination date if it was not previously cancelled and you are current on your mortgage payments. For a fixed-rate loan the termination date is the date on which the principal balance of the mortgage is first schedule to reach 78 % of the original value of the property securing the loan, based solely on the initial amortization schedule for that mortgage, irrespective of the outstanding balance for that mortgage on that date. This information taken from your Annual Notice Concerning Private Mortgage Insurance letter dated XX/XX/XXXXwhich is enclosed for your review. The original Value on DLS : {$300000.00}. My wife is currently undergoing treatments for XXXX XXXX and we are not looking for any handouts. We just want you as a servicer to do what is legally right and cancel the PMI so that extra money can help cover the medical costs, deductibles and medicine that is not covered under her medical insurance.
XXXX/XXXX/17 : Today I have tried repeatedly to access the equifax special site " XXXX '' to find out if my accounts are at risk due to the recent hacking incident as reported in the press. I fill out their form, including the 'test ' that I am not a robot, and receive green checkmarks next to each of the answers. The minute I press the continue button, it immediately goes back to the 'robot ' test. This has happened repeatedly-maybe twenty or thirty times. When you call their " help '' line, they question whether I have imputed the information correctly, when they ascertain that I have ( as evidenced by the three green check marks-after all it 's pretty hard not to know your last name etc. as evidenced by the three green check marks- they immediately say there is nothing further they can do. They suggest that maybe there is something wrong with the website, but have no information about that. One man gave me an e-mail address to contact. When I tried that, I received the message that there was no server at that address! 
As a consumer, my credit, has apparently been compromised by equifax 's lack of adequate security or lack of internal controls. They have mounted an elaborate PR campaign to say they are addressing this issue. Apparently it is exactly that : An elaborate PR campaign - with no actual help. In the absence of their help what an I to do?
X/X/16 XXXX XXXX XXXX. I paid this debt with XXXX and it was still sent to collections without my knowledge. I never received any collection communication. There was never a need bc I paid them
ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND XXXX ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.
I have been in contact with transunion about removing a unverified account on my report. They haven't provided me with any documentation on how the account is verified but they still keep updating it without any proper documents confirming that the account belongs to me. A certified letter was sent out XX/XX/18 again for the 5th time. You stated these items were " verified '' and reported correctly? Who verified these accounts and why havent i seen a copy of any original documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). Furthermore you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised also section 611 ( 5 ) ( A ) of the FCRA you are to promptly delete all information which can not be verified. I have the info deleted from one credit report ( XXXX ) and transunion should follow suit since they can't verify the account to be mine. I have included proof of the deletion from XXXX also.
I visited UAC/XXXX on XX/XX/XXXX to search for a vehicle. I asked about a XX/XX/XXXXXXXX century and I was informed the vehicle is for sale {$4100.00} and payments are {$170.00} per month. I decided to apply for the vehicle. During the application process I told the car dealer I get paid once per month and the dealer said not a problem because the XXXX is only XXXX per month. After completing the application I was approved for the XX/XX/XXXXXXXX century. I signed the paperwork to purchase the vehicle then the price jumped from {$4100.00} to XXXX. I asked why the price more than doubled? The car dealer said the price includes maintenance, a warranty and interest. I became upset because none of this was disclosed to me before I purchased the car. Further more the car dealer told me that all my documents are located online if I have any questions at XXXX XXXX, however after navigating to the website I noticed no documents on the website. One week later I get a call from XXXX saying they needed payment for the XX/XX/XXXXXXXX. I explained I do not have a payment due yet because I get paid once per month. The XXXX  associate told me UAC/XXXX only does biweekly payments and I need to make a paymemt asap. I told the XXXX associate once more that I have a contract in place stating I pay once per month since I am a salary employee. The XXXX associate said if I dont make a payment of XXXX by the end of the day XXXX will remotely disable the starter in the car. I never was informed nor agreed to this remote disable starter business yet carhop XXXX my car remotely without prior knowledge or consent. This continued for 5 months. I was told by XXXX  my monthly payment schedule is processing and in the mean time I should take out payday loans in order to make the biweekly payments or else XXXX will continue to disable the starter within the XXXX XXXX. For 5 months I dealt with this having to take out payday loans to pay biweekly payments when I get paid monthly. This put me in extreme debt and in hot water with my boss because I could not get to work due to the starter being XXXX. This behavior caused me to lose my job, become evicted from my apartment and I'm in extreme debt. I called XXXX to make arrangements to come pick up the XX/XX/XXXX XXXX because XXXX put me in debt however XXXX said they will not come get the car because they have to wait 30 days and XXXX  threatened to ruin my credit. I am very upset because XXXX promised me monthly payments of {$170.00} for a XXXX XXXX century {$4100.00} however XXXX lied by raising the monthly price to {$380.00} and the payoff price to {$9100.00}. In addition, the XXXX started making a loud grinding sound and did not work properly so I took the car to a mechanic who told me the car was involved in an accident and was auctioned off to XXXX XXXX XXXX XXXX XXXX never told me this car was prior damaged.
This company is reporting a negative debt against my credit report that I believe does not belong to me and has refused to delete it. This company is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act I am entitled to notices concerning the reporting, handling and usage of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. They are in violation of two different consumer credit rights.
My name is XXXX XXXX, SSN XXXX. I cosigned for a loan for my daughter XXXX XXXX XXXX. I filed a complaint against Navient a few months ago because Navient reported 90 late payment to the credit bureaus after constant communication with them. In XXXX 2015 I was told to make a payment to stop the reporting and at that same time I was reported as being 90 days late. I have never committed to monthly payments or I would have paid them. XXXX communicated with Navient re : her payments. I have never had a late payment with Navient. Their agreement was with XXXX to pay monthly that I was not a party of. In XX/XX/XXXX, I paid the {$500.00} to clear my name and they will not change the status on my report. I think the late 90 day notice should be reported on XXXX 's report no mine. I have been denied a house loan because of this I did not agree to pay. Also, Navient continues to harass me weekly. XXXX has been in school full time since XXXX 2015, and I get calls every Sat and Sunday although an in-school deferment was submitted. I would like to have someone follow up and assist me with this complaint. To date, I have not outstanding loans with Navient and have never had a late payment. Please help. I would like to purchase my home but need the 90-day late payment deleted from my report. XXXX XXXX
I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on me.
XXXX ,  XXXX  and  Trans Union are ign oring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.
XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.
Firstmark Services is an unethical business that charges hidden fees and extorts money from their customers. They take out a huge " finder 's fee '' from the loan disbursement right off the bat. Also, if you go into deferment they add the balance to your principal without informing you. On a {$7500.00} loan, they added roughly {$6500.00} in " fees ''. As a very young college student desperate to finish school ( at XXXX XXXX college ), I naively decided to work with these people, and the Firstmark employees are the most incompetent people I have ever had the misfortune to communicate with. If you add up all my payments ( {$86.00} a month for ten years ) it more than finishes off the whole principal along with interest. No one at this " company '' has any idea what is going on, and when you call them out on their extremely unethical practices they can provide no explanation to why these hidden fees were not communicated. I am contacting my attorney and the XXXX regarding these unethical business practices.
I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.
Hello, They were some unauthorized transactions on my account which I called to inform Chase, some of these transactions where still pending when I called XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$650.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XX/XX/XXXX - {$20.00} XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$30.00} XXXXXX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX Chase told me they were going to investigate the case and refunded this transactions and not the remaining transactions. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX I was told the reason that they werent refunding the other transactions was that the fraudster/scammer used my chip and got my pin correctly while I still had my card when I discovered the transactions. I asked the claims department to reopen my case as the investigation conclusion was incorrect but they refused which I asked them to connect me with the Executive Office so the case can be reopened as they didnt want to provide my funds. I spoke a lady from the executive office named XXXX and she guaranteed the case would be reopened and would try to make sure I get my funds back into my account ASAP while stating she would provide regular update as she get more information from their investigation. Ive gotten two updates but just stating the same reason the claim department said and still said the case is being investigated. 
All of the sudden, the reversal for one of the unauthorized transaction was being reversed leaving my account in the negative/overdrawn. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX I was also told the same reason as the first claim specialist about my chip been used and the scammer/fraudsters using my pin correctly which seems odd to me because thats not what XXXX told me and also because some of the transactions are been refunded and seems like mostly the USPS transaction doesnt want to be refunded. They are also transactions from XXXX, XXXX, XXXX & XXXX XXXX that needs to be refunded or handed correctly. I deserve an explanation to know how Chase could let this happen, and deserve some compensation for Chase letting my account to be overdrawn and not letting me access my funds when I needed it. Also if I keep banking with Chase, how am I sure this situation would not happen again, as they need to put a procedure in place to help prevent future situations like this and better protect their customers.
on XXXX XXXX, 2013 consumer open BB & T Bank checking, thebb & t bank issue debit card AND have been injured and harm by BB & T Branch banking & trust illegal insufficent fees when in facts have the funds to recovered each and every check, deceive consumer alleged discovered her XXXX account have been paid to XXXX, TN for HOME MORTGAGE With XXXX, without consent or authorized as result consumer have been harm injured and her check No # XXXX for XXXX, {$350.00} Unpaid, including significant XXXX unathorized were XXXX, and Paid US postal in debit card, were mislead that did not go through, iduced to make check for U.S. Postal serice, finding XXXX transaction with draw, See Case # XXXX misleading statment consumer purchased XXXX whole sale membership paid by cash, and have been probibited from honoer her membership to purchased food, BB & bank and significant charges insufficient fees in violation of federal banking, Consumer finding the BB & T bank were XXXX account, without disclouser or consent, unabel to worked this account without undoe burdien significant harm caused consumer to defamed & injury suffered significant
To whom it may concern, I have been in this dispute with American Express Serve for the last 10 months. The problem with the dispute is I accidentally placed a charged on the original dispute form that I put online on XX/XX/2017. The charge was from XXXX XXXX. I did not mean to put that charge on the original form that I did online. I did however correctly put the charges that I needed disputed on the paper form that I faxed to American Express. Due to all the confusion and miscommunication American Express is punishing me for a human error on my part. The amount that I would be disputing would be XXXX, I would like you to please look over my case and see if there is anything that you guys can do to help me with this I'll be submitting a police report a picture of the original form that I did buy paper fax. Any help that you can give on this case would be great. I hate that I have lost my money due to me putting accidentally the wrong charge on the online dispute form by mistake.
I went online to sign up for a Chase Freedom credit card. During the process I was asked if I would like any additional cards on my account. I said " yes '' - and requested an additional card for my daughter ( to use in case of emergency ). I received the cards then my daughter comes to me shortly thereafter and said that her credit score dropped almost XXXX points due to this Chase credit card. I was not sure how this could happen, as they did not have her permission, nor her social security number. I called Chase. They were not helpful and just said that it 's part of their process and it 's on their website that any other user 's information will be used. So I went back to the website and printed off the documentation - and did NOT find such info. Chase also put me through to the credit bureau they use ( I do n't recall which but seems maybe like XXXX ). I asked how they obtained my daughter 's permission and SS number to run her credit. They proceeded to tell me that they matched her name with my address and located her information in their database. Needless to say, this appears to be a privacy issue, at the very least. My daughter is trying to buy a home in the next year, and this does not help her FICO score! With Chase nor the credit bureau willing to help, I feel my only option is to file this complaint with your agency. This is a privacy issue and I can not fathom how Chase would legally be able to run her credit - without my daughter 's permission.
There is incorrect personal information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX NJ XXXX XXXX XXXX NJ XXXX Incorrect SSN : XXXX Item that should be deleted from credit report : XXXX - Account Number : XXXX ( I uploaded a letter stating it would be removed from my credit report )
I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.
ATG credit is on my credit report but they wont verify the debt, they claimed to have sent me something in the mail verifying the debt not once but TWICE and I have yet to receive anything.
I am not sure what happened, my mother gave my personal information to a man months ago, who opened different accounts that were not me. I have filed a police report and am trying to dispute the charges from several companies.
I finished my XXXX degree in XXXX of XXXX and graduated in XXXX of the same year. unbeknownst to me my loan be came due the in XXXX of XXXX. I began making payment upon notification but appraintly still behind. Which I was able to verify and confirm in XXXX of XXXX. An adjustment was made to my account in XXXX XXXX for a two year agreement to pay the interest only in the about of XXXX. Effective XXXX of XXXX I started paying XXXX ever XXXX weeks. As of today I was advised I had a balance due of XXXX. The representativive advised that program ended in XXXX of XXXX, which and because I was only making a payment of XXXX each month that left me with a deficiency of XXXX each month for the past 6/7 months. The only way they will rectify the situation is to set up an automate withdrawal. I have advised the numerous time that my payment is automately set up through my bank account and that I would perfer them not to have my account information. The representative also advised that they are not able to determine why the interest only ended before the two year term was up. Navient formerly none as XXXX XXXX XXXX