WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.
I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.
Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid.
On XX/XX/XXXX Wells Fargo put forced placed insurance on my home in the amount of {$1700.00}. 
On XX/XX/XXXX Wells Fargo partially refunded my account after I provided proof of insurance. 
They refunded {$1000.00} on XX/XX/XXXX. 
On XX/XX/XXXX Wells Fargo fully refunded my account after a barrage of phone calls by me. 
They refunded {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX I requested Wells Fargo update my final payment statement to reflect these changes. 
On XX/XX/XXXX I called Wells Fargo re-requesting an updated final payment statement. 
During that conversation a Wells Fargo representative assured me that the final payment statement would be completed by XX/XX/XXXX and that the amount of my final payment would be reflected on my account at the Wells Fargo website. 
It is now XX/XX/XXXX and Wells Fargo has not updated my account to reflect the refunds they have issued. 
As of XX/XX/XXXX Wells Fargo shows my final payment as {$2000.00}. My final payment should be {$1000.00}.
I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXX where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 )  bureau credit files ( see copy of letter received from XXXX XXXX ) and had promised to make the ( 3 )   reporting bureaus aware On XXXX XXXX XXXX I reviewed my credit files accessed from XXXX XXXX ; XXXX and Equifax ( see attached copy of Equifax and XXXX XXXX credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
I fell behind on my car payments and gave the car back as a repossession. I have given them the car back. Today XXXX/XXXX/2017 I  received a call from my apartment complex today stating that they have been harassing my leasing office for information on me. Why? You have the car and the leasing agents are really getting irritated. Then when I had the car the Human Resources director at my job was called by XXXX XXXX being very nasty and rude to her. She had nothing to do with my financial situation. The harassment has to STOP. This is over. You have the car. I will file charges for harassment.
I noticed there 's a name XXXX, XXXX, XXXX on my Credit card report is incorrect. I do n't used that name. Also I did not open, the XXXX Chase credit card back in 2005. How do I fix this problem? My Email is XXXXXXXXXXXX
As per TFS payment statement there we payments in XX/XX/2018 and XX/XX/2018. However TFS reported 30 day late to credit bureaus
I am writing to complaint about XXXX Hospitals XXXX and Progressive Management Systems based in XXXX XXXX. BACKGROUND : In XXXX XXXX, I was on a family holiday in XXXX, CA when my youngest daughter who at that time had recently finished XXXX treatment fell ill, as parents we were fearful that her XXXX may have relapsed and rushed her to XXXX emergency in XXXX. Whilst at the hospital in the emergency we were approached by a representative from the finance department asking us about our insurance details. We have a $ XXXX travel insurance from XXXX XXXX XXXX, we provided all our travel insurance details but she was did not want to get in touch with them and repeatedly asked us to contact them directly whilst my and my wife both were under duress. Upon arriving back in the XXXX, I put XXXX and our insurance provider XXXX in touch directly and a claim was opened under reference XXXX. The claim was taking longer than usual as XXXX did not provide an itemised bill and I kept XXXX up to date with the progress of the claim. LACK OF COMMUNICATION : XXXX passed the account to a collection agency whilst XXXX was dealing with the claim. I contacted Progressive Management Systems ( collections agency ) and informed them of that XXXX is waiting for XXXX to provide an itemised bill. I was promised that our account was put on hold whilst XXXX was dealing with XXXX. UNFAIR REPORTING : Today, I received an email from our bank declining an account because PMS have put a derogatory marker for non-payment of the bill of {$2400.00}. I have recently moved from XXXX to launched a new XXXX in the US with the aim of creating employment and this unfair negative marker on my credit file is making life very difficult for my young family. I have today made the payment to Progressive Management Systems in full. This situation could have been resolved if XXXX had communicated with me, all XXXX had to do was communicate with me that they can not wait for XXXX and I should pay the bill. I have had a terrible experience with the US Medical system and credit reporting tactics employed by health care providers and debt collection agencies.
On XXXX XXXX, 2017, my card was compromised for {$190.00}. American Express alerted me of the fraudulent charges, however, they are refusing to refund me my money.
On XX/XX/XXXX I added a new bank account for payments to my online account so that i can continue to make my on line payments just using my new checking account. I also schedule a payment to be made from this new account. I received a conformation email stating that the new account had been added to my capitol one account successfully. An hour later i received a conformation email stating my payment had been scheduled successfully. The next y XX/XX/XXXX, after going through my bank account and realizing the payment had not cleared my NEW bank account, it was brought to my attention Capitol one withdrew the funds from my old bank account that did NOT have the money in it to cover the payment. So now not only is my old account short the payment amount, but it was also hit with an NSF. I called capital one who for the longest time couldn't even tell me that i added a new account. When they finally could see that, they were not willing to help me in any way stating that I choose to make the payment from my old account with no money in it. Im in the process of closing out that account, I did NOT authorize payment from my old account. I need this account fixed. The customer service for XXXX was so disappointing.
I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC opinion letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.
I am upset with the way Ditech has handle my loan. I have applied for a modification since XXXX XXXX. I faxed all the additional documents that were requested by Ditech and have yet to hear from them. I honestly thought I was being helped but I have been deceived. On XXXX/XXXX/2016 I spoke with agent XXXX Id # XXXX from the loss mitigation department and was told there were no new notes regarding my loan and that it was not yet with the underwriter. This was a major shock for me because I have done my part and provide everything I was asked for. Ditech has prolong my case because I am current on my mortgage payments. I had to escalate my file and spoke with manager XXXX ID # XXXX on XXXX/XXXX/2016. I told him my concerns and he reassure me that he was going to notate my account so when I call I can be provided with an update. I called today XXXX/XXXX/2016 and spoke with agent XXXX ID # XXXX. She just told me about the conversation I had with XXXX on XXXX/XXXX/2016 but again there were no new updates available At this point I am more than sure that Ditech is purposely prolonging my case so I can keep making the high mortgage payment knowing that my home is severely under water. I want my loan to be review based on the current value and my monthly income. Please considered me for the My City modification.
I am trying to buy a short sale property at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
We have gone through the entire process of sending paperwork etc, to the servicor Nationstar on behalf of the XXXX. Nationsatr is telling us that the investor, XXXX, who had the house appraised twice, once in XXXX XXXX and now again XXXX of XXXX. The XXXX appraisal had no requiremtns to fix the home the second has {$15000.00} worth of repairs, that MUST be performed by the seller. The seller is NOT in a position to fix anything, so I offered, as long as the investor will definitely sell it to me. That can not be unaccomplished, according to Nationstar. I am buying this home on a short sale, " as-is '', I will do the repairs when I live there, like anyone else buying a short sale, unless it is required for the CO, which it is not.
Debt collector, Admin Recovery, contacted an unrelated, third party about a debt I owed to a company. This person was not listed as party to the debt so I 'm not sure how Admin Recovery even got their contact information. When Admin Recovery called the person, it was not for the purpose of verifying my contact information. They told this third party my information and what the debt was related to, including the company name even though they were not asked what the call was regarding and did not verify who the third party was before discussing the debt and/or company with the third party. They were also told that the person they were looking for ( me ) could not be reached at the number they were calling, however, they proceeded to discuss my information with the person on the phone anyway. 

Admin Recovery was told by the third party that the third party was not related to the account in question, had never been related to the account in question, had no knowledge of the account in question and that they should be calling the person who was responsible and listed on the account in question. 

When I confronted XXXX different reps, XXXX and XXXX XXXX, from Admin Recovery about their company contacting a third party regarding about me, they denied doing so and said that I was lying and making things up. Little do they know I have a screen shot showing where they called the person 's phone along with the date and time of the call.
I moved in XXXX XXXX apartment in XXXX and I ended up moving XXXX XXXX and I never renewed my lease. I let the office know that I was n't renewing my lease I moved out on the XXXX of XXXX.
This is follow up on complaint XXXX about NATIONAL CREDIT ADJUSTERS , LLC. which is now closed but the issue still exists. 

My answer to the question " What would be a fair resolution to this issue? '' is below : I require Debt Validation which includes my signature which indicates I did indeed open the acct ( s ) in question. If this can not be produced the National Credit Adjusters LLC will cease and desist in all collection attempts and will remove any negative credit report entries regarding the acct ( s ) in question from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). 

The collector sent copies showing that 3 different accounts had been opened in my name ; however this does not mean that I was the one that opened them. I have already submitted in my original disputes of the account that I was the victim of identity theft and have filed a Identity Theft Affidavit reference # XXXX with the FTC on XX/XX/2017. I also made it clear to the collector that I required something with my signature that indicated that I was indeed the person that opened the accounts. The documentation provided by National Credit Adjusters LLC DOES NOT contain my written signature ; therefore it is my right under the Fair Debt Collection Practices act that all collection attempts cease and the accounts in question be immediately removed from my credit reports.
I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. 

The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. 

Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. 

At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " debt. ''
Applied for XXXX Chase credit card XX/XX/XXXX was approved with a sign on bonus of XXXX each. XX/XX/XXXX lender called to verify types of activities on account. Lender agrees with activities, in XXXX XXXX Chase closed both credit card with the reason of credit card activity is inconsistent with expected activity. Disputed in XXXX XXXX was told to check terms and conditions, Called executive offices today XXXX/XXXX/XXXX was told can not access account and to apply for a new one. 

I would like chase to return all my forfeited points. I believe chase has allowed other customers like me a 30 day window to redeem or transfer points out of chase. Chase has not allowed me to do this. I had lost a total of XXXX Chase Ultimate reward points, this points do not include activity which I had on the account that should have posted had they not closed my chase credit cards.
On XX/XX/XXXX they called me stating they were going to file a legal case against me. Stated they couldnt provide anything in writing unless it was a payment plan. But I told them that was odd cause by law I have the right to receive something in writing in regards to this case. They said no. They aldo called my ex husband and provided non pertinent information to him and provided a case number and everything. 
When I called the number an XXXX XXXX from XXXX XXXX XXXX misrepresenting herself and the company she worked for. She was the one trying to get me on a pmt plan however I told her that I wanted something in writing she stated she couldnt and giggled and said she wished me the best of luck with XXXX County. They dont even have my current address and didnt even ask me it. Lack of professionalism and misrepresentation of company. 
I called again to ask them for a company address then I spoke to an XXXX from the " proceedings legal department ''. He was rude. He raised his voice at me and said he was going to proceed legally if I didnt agree to a payment plan. Told him I wanted something in writing and he said they didnt provide anything that the only thing he was going to send was the legal paperwork. I told them I couldnt agree to anything if I didnt know who they were and he stated he wasnt allowed to provide me with any information. That he understood that I was upset because they called my ex husband but that wasnt his fault because they used a locator.
I received an American Express gift card for {$500.00} back in XXXX 2016. I opened the package on XXXX XXXX, 2016 and checked the balance online at XXXX, to find XXXX charges were made on XXXX and XXXX. I contacted AmEx to dispute the charges, and though they asked me for a particular lot number on the package, they still maintained they ca n't dispute the charges as they have a blanket policy of treating all gift cards as cash. They advised me to report the card stolen and have it replaced by them via mail within 10 business days for the remaining balance. They also suggested I contact the merchants to dispute the XXXX charge that was still pending. The pending charge was reported to AmEx as a physically swiped transaction, which could n't be possible unless XXXX cards exist with the same credit card number. 

I am quite certain that, as a consumer end product, the lot number on the packaging, which does n't correspond to the account number, is a unique identifier and, therefore, bound to all transactions that are physical/swiped. They asked for that information, but it did not help with the fraudulent transactions. It was only used to confirm the physical package, though I 'm familiar enough with point of sale systems to be rather sure that information is somewhere within the mag stripe data of each transaction for their own quality control and protection as issuer. 

While I am being reissued the card for the remaining balance, I am not confident the replacement card wo n't be subject to the same lack of fraud protection. You can imagine how ridiculous it is to open a gift card package for a AmEx gift card for a very high amount, just to learn it 's already been used by someone else. That there was no card activation process was concerning, and I think that leaves the consumer open to fraud that ca n't be disputed, thus protecting AmEx 's interests at the expense of the consumer 's vulnerability.
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
I contacted the company on many occasions and I even sent in a police report that was made stating that I was a victim of identity theft.
I was scheduled to close on Thursday,  XX/XX/XXXX . On Monday,  XX/XX/XXXX  Keybank got word that I had opened up a new line of credit. I was told ( I believe by the next day ) to simply close this account and to provide the letter stating that I had done so. Of course it typically takes a few days to receive this documentation so a new extension was created through  XX/XX/XXXX  or before and my file was being sent back to clearing conditions. On XX/XX/XXXX  my agent got word back that Keybank was trying to deny my loan because there was some paper work that was missing which I do n't understand because we had literally just had a date, time and place scheduled for closing. She was told that something had went wrong with the loan number in the system and that Keybank would possibly have to begin a whole new application and go through the underwriting process all over again. The issue is that because of several extensions prior to this, the seller which is a bank is not willing to extend our deal past  XX/XX/XXXX . I feel like no one is giving me or my agent clear answers as to what is going on and I feel like there is foul play going on. It sounds like I 'm suffering because of the bank 's " error '' and that is totally unfair. I run a business out of my home and you have no idea how this has impacted me. Not to mention I put up {$2100.00} earnest money that I can not just afford to throw away. No one is calling back explaining whether or not we can meet this deadline or what happened exactly and it is very frustrating.The entire process has not been pleasant. If it is an error on Keybank 's part I feel like they need to provide a letter or something that persuades the seller to allow them the time to correct their mistake. I 've done my part as a buyer and should n't have to suffer for it. There is no reason why I should n't be able to move into this home.
Due to the options that Transunion allows on their website there is no method to dispute that information is XXXX incorrect. I am not going to spend my hard earned money to mail a registered letter to Transunion that will take 6 months at the least to even get them to put anything into motion. The Federal Government gave the credit report agencies undue power. Therefore, the Federal Government needs to take responsibility in assisting me with my issue. There are address on the report that are not mine and are totally incorrect. There is no way to fix the problem except to move them around on the report-but no manner for requesting them to be deleted.
I have canceled the XXXX XXXX delivery service way back sometime in XXXX of 2016, returned all Equipment and Empty bottles and canceled service, not long after I was charged for Water delivery on a service I canceled and on top of that never received any water bottles in the first place. I called XXXX XXXX about this issue and the representative said that they will review with the field supervisor and give me a call back, months passed and no call back and the amount was sent to collection services and affected my credit score.
I recently received a credit report for years XXXX through XXXX from your credit reporting company. 

1 ) You have two apartments listed at the same location, I never owned an apartment at the following address : Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX 2 ) I never owned an apartment at : XXXX XXXX at XXXX, XXXX, TX XXXX 3 ) You have several names on this report to which causes concern, I have never signed my name to any document as : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX
CHASE CARD RAN MY TWICE ON XXXX XXXX AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.