WillisBack/dataset-financial-user-claim huggingface dataset:
I received an annual general letter for my PMI on my mortgage. I was curious when the PMI was auto termed so my XXXX XXXX called Ditech on XXXX/XXXX/XXXX and spoke with XXXX. She explained that we can just wait until XXXX/XXXX/XXXX as that was the date it would be considered auto termed instead of going through the appraisal process. We thought that was the end of the conversation until the following week I ( XXXX ) received a voicemail from a client service agent stating to call Ditech back and I can speak with any specialist and they can fill me in on why they were calling. I called back and the first agent I spoke with had no idea why I was called. I proceeded to ask if they can confirm if they were calling on my PMI since my husband called them the previous week. The agent stated they would place a request to the escrow department and call me that Friday which was XXXX/XXXX/XXXX. I did n't get a call back so I called again on Friday and spoke with a different rep. She was giving me a different story stating that my PMI ended on XXXX/XXXX/XXXX and I needed to send a written letter to remove PMI that I was paying on that whole time. I was pretty frustrated at this point with the inconsistency with every time calling getting a different answer so I asked for a supervisor. Once the supervisor got on the phone she was very nice and empathetic and reassuring that all the previous reps up until speaking with her gave me bad info. She reconfirmed with me my PMI should have been auto termed on XXXX/XXXX/XXXX and that the PMI company we have was notorious for continuing to take PMI from clients until they sent a written request. That frustrated me further to hear that, she offered her phone number and ext to let me follow up with her directly. Her name was XXXX at XXXX ext XXXX. XXXX stated I could follow up with her to confirm my fax request was received and once the 7 days process ended from my written request and my PMI was removed she would place a request to refund me since XXXX/XXXX/XXXX since they should of stopped it sooner. She also gave me the direct verbiage to write in the fax request letter to fax to XXXX the due to my PMI being auto termed on XXXX/XXXX/XXXX I want to discontinue my PMI. I sent a letter that same day on XXXX/XXXX/XXXX. I called XXXX on Monday and left a message hoping to confirm my fax was received but she did n't call me back I left a second message on Tuesday XXXX/XXXX/XXXX and still nothing. I called again today and had to escalate once again to a supervisor and this time was told that I was given once again incorrect info and that my PMI is auto termed on XXXX/XXXX/XXXX. This whole process is very inconsistent and I have no confidence on the truth and what is my true auto termed date. I do n't want to wait until XXXX/XXXX/XXXX and go through another round of inconsistent phone calls after waiting all that time. Please help review these calls and hoping they will honor my date that was given on XXXX/XXXX/XXXX since they were very specific they should have some type of ownership for giving wrong info so many times.
Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.
I have recently acquired a Best Buy - Citi Visa card. Before i ever used the card I called the phone number that was provided on the back of the credit card. I called to ascertain what payment amounts would be required and asked how to figure out, on my own how to figure how much money I would be required to pay. The person I contacted told me that I would never be required to pay more then {$27.00} a month. I wanted to be sure so I asked how much the minimum monthly payment expected for the card would be if my balance was {$700.00}? The person told me that the payment would be {$27.00}. I asked how much I would be required to pay if my balance was {$1500.00}? The person told me that my payment would be {$27.00}. I then asked how much my minimum monthly payment would be if I maxed the card out to {$2000.00}. The person once again told me it was {$27.00}. Last month my minimum payment was {$35.00}, and this month it was {$42.00} in a balance of a little more then {$1300.00}. I would not have used the card if I had known that I would be charged this amount of money. The amount is well over {$27.00} and the payment only payed {$13.00} to the principal. I was lied to and feel taken advantage of. I was not prepared for the credit card people to outright lie to me when I called them for information on how to figure out the payment expectations for using the card. When I called and asked the credit card people from the number that was provided to me on the back of the card, where I could get help from a governing body for credit cards he evaded my questions over and over. Finally I asked what country he was in and he said he was in the XXXX. The time was XXXXPST on the date XX/XX/17. He said his name was XXXX but he failed to give me any information that I could identify him with. Very sleazy situation. I asked to talk to his superior and he told me that this was not possible. He then said he could connect me with an American office. I was pretty sure he was about to hang up on me ... and he did. After " XXXX '' hung up on me I googled for help and found this web site. I hope you can help me figure out how to best deal with this very sleazy situation. Thank you, XXXX XXXX
I had XXXX conn 's accounts opened in XX/XX/XXXX which are falsely reporting on my credit. 

Acct XXXX opened XXXX XXXX was a 40 month term and the account was paid off in XXXX which is 14 months later the account has been reporting derogatory as a collection account that was settled after it was closed which is in violation of the fcra. This account was paid off and needs to be updated to reflect positive standing. I will be following up my complaint with the office of the consumer credit commission and the Texas state attorney general of this account is not removed from all XXXX credit reporting agencies immediately. Attached you will find the payoff payment made XX/XX/XXXX. 

Acct XXXX opened XXXX is reporting closed XXXX which is incorrect the account was charged off and placed for collections. with a XXXX party company in wowed well as other discrepancies. I am requesting deletion of this inaccurate information from my credit file. 

It is the duty of the credit furnisher to report account information accurately and to maintain the customer 's integrity in its reporting as per the FCRA.
I financed a XXXX Nissan Altima from Nissan Motor Acceptance Corporation ( NMAC ) in XX/XX/XXXX. I also purchased GAP and other warranty products at the time of purchase. On XX/XX/XXXX I was involved in a car accident in which the vehicle was totaled. My insurance paid most of the car balance off with NMAC except for approximately {$1500.00}, which comprised of the GAP premium and warranty package. I filed a claim with the GAP company listed on my loan documents from NMAC which put me through a series of hoops in order to fax them paperwork every week only to not review it for another whole week and send me a letter via mail each time they requested new information. I would not receive a call related to my claim or any direct communication. I spent over 3 months trying to have the remaining loan balance paid off with NMAC. I even requested to just have NMAC place the remaining balance onto the new car I financed with them in XX/XX/XXXX. They declined. Instead they insisted on allowing my GAP claim to be denied for charges that were only there due to me even purchasing the GAP and extending warranty to begin with. Had I not purchased these products that in no way helped me in the way they portrayed that it would if I ever was to find myself in this situation, I would not have a remaining balance on this loan. Since I had to purchase a new car after totaling my car I could not afford to continue making payments on the XX/XX/XXXXloan, thus it has affected my credit significantly. I feel this practice of selling GAP products without fully explaining how they work is a total sham. I
I applied for FHA loan with CityWorth Mortgage about 3 months ago, and during the loan process I was very clear with them about my financial situation and how much monthly payments I can afford. They initially sent documents that shows monthly payments that are too high for me ( around {$1800.00} ) & I told them i will not be able to complete this loan process given that mortgage payments. They seem to help and send me the final closing disclosure that shows an amount within my financial limits ( attached document ). Therefore I decided to finalize the deal and we did the closing on XX/XX/XXXX. They transferred my loan right after that to XXXX bank, and I made the first two mortgage payments to XXXX bank as agreed on time. Few days ago, the XXXX bank sent me a letter indicating the original loan company made a mistake with taxes and I have Escrow shortage of {$2200.00} that i need to pay in cash, in addition, my mortgage monthly payment will go up to {$1700.00} assuming I paid the Escrow shortage before XX/XX/XXXX. I tried to resolve this with CirtyWorth and XXXX bank directly without luck. It turns out there are two issues that contributed to the Escrow shortage ; homeowner insurance was not finalized and the estimated taxes. I strongly suspect that CityWorth commit fraud by making the mortgage payments within my financial limits so that i finalize the loan process. Based on email communication between Cityworth and XXXX bank ( attached ), CityWorth did not account for all taxes when calculating the monthly payments ( even though all those taxes were stated clearly including their 2017 amount ) - The XXXX agent even pointed out in that communication that he is not sure why i was advised of such lower payments. I can not certainly afford the escrow shortage or the new monthly payments. This situation add tremendous amount of stress to my small family including my XXXX wife.
I purchased and cancelled orders for a couple purchases using PayPal Credit 's " Bill Me Later. '' The deferred interest rate was still applied to my bill despite having the transaction cancelled. Effectively, I am being charged interest for transactions that were refunded within the same day of the transaction at the 19.99 % interest rate 6 moths later.
TO WHO IT MAY CONCERN-I HAVE NUMEROUS ACCOUNTS THAT ARE REPORTING AS OPEN AND PAST DUE THAT WERE INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
This complaint involves 2 separate issues, both can be verified by listening to the phone call I made in reference to this account onXX/XX/2018.

Issue 1. Chase has declined my transactions and CONTINUES to decline my transactions EVEN THOUGH my account is paid in full AND CHASE HAS MY MONEY.

I no longer have access to the money in my bank account and neither do I have any access to the credit.

TIMELINE I have had credit cards for decades, including a Chase account in the past and I have never been late on a single payment. My credit score is in the 800s. I've had this account opened only for a couple of months. The first statement was paid in full - almost {$1000.00}. The second statement was issued on XX/XX/XXXX with payment due on XX/XX/XXXX.

XX/XX/XXXX -- A small transaction was declined at point of sale. I immediately called CHASE and learned my account was near its limit - note that the card was not over its limit.

XX/XX/XXXX -- I made a payment of {$1200.00} via EFT and Chase posted to the payment to my account on XX/XX/XXXX.XX/XX/XXXX-XX/XX/XXXX Significantly, with this partial payment, Chase released the bar to my account. I made charges to my account without issue and without being declined.

XX/XX/XXXX I made a payment of {$7200.00} to my account via EFT, paying the balance in full. And Chase posted the amount to my account on that same day, XX/XX/XXXX. Chase sent me an email on XX/XX/XXXX confirming the transaction had posted to my account.

From at leastXX/XX/XXXX- PRESENT Incredulously, with this later, full payment Chase blocked my account again and my card continues to be declined.

On XX/XX/XXXX I spoke at length to the " Supervisor '' in payments and accounting and they refuse to grant me access to my credit line.

When I asked what law or part of the contract permits them to deny me access to my money they said processing time MAY take up to 15 days. However, in this case, processing DID NOT take up to 15 days. They took my money nearly instantaneously and yet they continue to bar me from accessing my credit line.

Issue 2. The more brief issue : Chase almost violated my right to financial privacy/privacy and would have done so had I not been a prudent consumer. During my phone call, Chase thought it was necessary to include my bank ( XXXX XXXX ) on the conversation. I informed them my bank was closed. They said XXXX had service 24/7. They got XXXX on the phone and XXXX asked for my consent to speak to Chase. I wasn't the one who placed the call and wanted XXXX to verify their identity as well. XXXX asked for my full social, account number or card number. I volunteered to provide my address and XXXX could not identify me that way. I provided my full card number. And they had no record of me. Chase had called XXXX of COLORADO! NOT MY BANK! When Chase tried again with my XXXX XXXX, they found it s I had told them, my bank was closed. After an extremely long phone call and run around Chase said they couldn't help me but might do so tomorrow if I call back.
I get a call XXXX times a day about student loan, I have no student loans I told them, they said they will call everyday until I pay but they do n't know my name. Phone number calling from is XXXX. We got in a heated argument I told them I will get a lawyer take me off the list. The lady said she will call everyday.
This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I still receive payment notifications. Why? I have been asked to pay the unauthorized charges along with the late fee/interest charges that were added to the unauthorized transactions. I wonder what is it for when all the payments have been made. Please help me with : Amex XXXX named under XXXX XXXX. Please help me in terms of removing these unauthorized charges and closing both the Amex card permanently. Thank you
Mr Cooper the loan servicer requires an escrow account for XXXX county property taxes. They are due in two installments. One in XX/XX/XXXX and one in XX/XX/XXXX of the next year. I am in the Calif Property Tax Postponerment program for low-income seniors and Calif pays these property taxes. They pay both installments in XX/XX/XXXX. But each year Mr Cooper pays the first one in XX/XX/XXXX even though I've repeatedly told them not to. So I have to get back the double payment from XXXX county which takes a lot of time and trouble. It is over {$3400.00} and I'm really not able to do without this much money. Furthermore Mr Cooper keeps me paying into escrow for the 2nd installment which has already been paid! 
I have repeatedly contacted Mr Cooper 's representative XXXX XXXX about this and he is absolutely unwilling to help. He has hard copies of the paid taxes from the county but refuses to credit them and does not respond to email or phone calls.
I went on XXXX and found that XXXX, XXXX XXXX, is also Portfolio Recovery which ALSO calls XXXX a day.
I almost lost my house about 4 years ago and Chase Home finance worked with me thru modification. I had also asked them about dropping my interest rate from 7.25 .They replied make timely payments for a year and we 'll consider it. Its been 2 years and nothing They then used the excuse about not having a high enough credit score. So after that mom passed away I came across some cash and paid my house payment several months ahead Well Chase Is still not willing to work with me on my interest at all I have also been getting help on my credit score and Chase still has n't seem to be interested in helping me. When I gave Chase the money to get ahead several months I could of taken that money and done something else But I chose to pay Chase my house payments early. To show them Im serious about my home. Now Chase is telling me my house payment is going to increase Because of no funds in my escrow account. How is this possible especailly when Chase was paid several months ahead. I do not think Chase is handling my account correctly or handling it professionally ( escrow account and mortage ). All I want / need is to please drop my interest rate.They will not help me.
XX/XX/XXXX money transferred to XXXX via XXXX service on BOA 's mobile site. 

Person was a scammer, never received goods as promised. 

Called bank within minutes of transfer, they can't help me, said they could only get the money back if the person agreed to give it back. 

We should be protected for money sent through an offering on their website.
In XXXX, XXXX, Navient sent me an update of my loans status. I had XXXX loans at that time. I had monthly payments of {$82.00} for the months of XXXX and XXXX, XXXX and the payments were to reduce to {$47.00} starting in XXXX, XXXX to XXXX XXXX XXXX. On XXXX/XXXX/XXXX they sent me a congratulatory message because I had paid off XXXX of my XXXX loans, and a couple of days ago they sent me another statement listing the XXXX loans that I need to continue paying. The shocking thing is that my monthly payments have increased to {$100.00}. I am supposed to make these monthly payments to sometime in XXXX. I called them yesterday, XXXX XXXX, XXXX seeking an explanation why my monthly payments have increased yet I have paid off some of my loans. The gentleman I spoke with gave me a very unsatisfactory answer stating that my loan terms had changed. He could n't explain why yet I have been making my payments faithfully.
I enroll at XXXX XXXX XXXX XXXX in XX/XX/XXXX for a program starting XX/XX/XXXX ending XX/XX/XXXX. During my enrolling and attending classes at XXXX XXXX, I went out on a approve medical leave of absence from XX/XX/XXXX to XX/XX/XXXX. I went to school for about a week and a half before going out on leave of absence. I never establish a grade point average because I was out on leave of absence. I receive a letter from the college inquiring if I was planning to re enroll, I call my student XXXX and told him I was n't planning to re enroll because I was still in physical therapy and I was unable continue school in the future. Counselor said he would take care of the matter. I never receive any forms to state that I was withdrawing from XXXX XXXX.I did n't hear anything from the counselor, I receive a letter from XXXX XXXX XXXX representing New Century Financial Services , INC . I am being sue for {$6600.00} and I strongly disagree on this debt because the college never followup on their own Cancellation and Refund Policy. I dispute the claim. to date, found it necessary to hire a lawyer to resolve this matter. Any assistance on your part would be helpful. Thanking you in advance.
On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!
Sent a letter to the collection agency asking for VALIDATION of debt not VERFIFY. Ask if the debt could not be VALIDATED within 30 days to please remove from all 3 credit bureau reports
NCB Management Service XXXX XXXX XXXX XXXX, PA XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
I am currently working on refinancing my home with XXXX XXXX and have run into a problem with the existing loan from Bank of America. XXXX XXXX ran my credit report and informed me that the loan dose not show they called Bank of America with the loan number I provided and where told the loan had been written off. My concern is that this may hinder my ability to get refinancing. In 2012 I did file for bankruptcy and retained my home I have been making payments to Bank of America since 2012 apparently without it reflecting on my credit. I have asked in the past about reaafiming the loan and was told I did not have to or that Bank of America did not want me to. My concern is that I will not be able to refinance my house and I was hoping to get funds from some equity I have built up. Any help in this matter is greatly appreciated.