WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a mortgage on XXXX XXXX 2016 With Amerisave Mortgage Corporation. I received an offer and a lock agreement for a {$180000.00} 15 years loan at 2.75 % .+ points discount. During the next 2 months after many emails and phone calls and many document transfers, I was informed that if I did not agree to a new interest rate and 20 years mortgage our loan would be terminated. Well I needed the refi to pay off some bills and for the down payment on my daughters town home. I was between a rock and a hard place as if I started a new application elsewhere it would take another 2 months and she would lose the earnest money and the town home. I had to take the new rate at XXXX and no reduction in the points for the loan. Not only was I taken advantage of by Amerisave Mortgage, if after all is said and done they also XXXX with the points charges. I believe that I am not the only person preyed upon by Amerisave Mortgage as a lot of their reviews on the internet paint them in a very negative light.
Noticed in XX/XX/XXXX a series of fraudulent charges on our credit card ( four charges in total amounting to over {$4000.00} ). We contacted the bank ( Citi Bank ) immediately to dispute the charges and within a couple of days two of the four charges were taken off our statement. A couple months later we contacted the bank again to inquire as to why the other two have not been removed from our account ( ~ {$1800.00} ). The bank indicated that they were still investigating those charges and once they concluded their investigation the charges would be removed.

We contacted the bank in XX/XX/XXXX to inquire about those same two charges and their investigation, we were told that they would have to reopen our file under the old card number to review the charges. This tells me that they closed the file without doing any investigation into the charges and did not notify us of this development. 

Meanwhile, for nine months, we have been accruing interest charges on those charges. With the way credit cards work, we've been incurring compounded interest making this worse. This is now taking up almost {$2000.00} of our credit line and inhibiting our ability to make purchases as part of our daily routine.
Account shut down due to " XXXX '' the CSR 's could not elaborate. I'm looking for answers. Where's my XXXX dollar account opening bonus, what was the XXXX reasoning ( too many new accounts, negative comment ) and lastly what will you be placing on my XXXX XXXX for closing reason. I am following up with the CFPB. The manager XXXX in the XXXX branch was the one that terminated my account, but she couldn't elaborate. She gave me the runaround and told me to contact the XXXX number in which they told me to contact the branch manager ( XXXX ). My account had been open for 4 months and I completed the bonus requirements before the date of XX/XX/XXXX when they needed to be completed by. Was locked out of my account last week, and have a letter saying it'll be " fully shutdown '' buy theXX/XX/XXXX. 

I called in today the XX/XX/XXXX This can be linked to the other CFPB dispute I sent the other day. I received new information ( letter and correspondence with a manager )
On XX/XX/2018 I applied for a {$500.00} loan and I received the money the next day XX/XX/2018. I didn't receive any paper work about the loan or repayment schedule. On XX/XX/2018 I went on line to get some information and it showed my payment of {$140.00} is due on XX/XX/2018., for l8 months. I would have to {$2600.00} on a {$500.00} loan. Please assist me.
We called USbank to inquire about the interest that accrued on the account. We thought we calculated the correct amount to pay for any purchases that would accrue interest. We received the statement which showed that even though we paid over the amount of our purchase that month, we were still charged for interest. We only have 0 % bonus transfers besides the purchases. The supervisor ( XXXX  ) was not able to articulate where the interest accrued or off what balance. He said that only of we paid off the entire balance that we would not be charged this interest. I feel if USBank can not provide a payment history or how the interest was calculated, then this is a deceptive practice. When we saw this the prior month, the interest charge was removed after speaking to USBank. We would like to understand how to avoid interest charges on our purchases.
Grant & Weber collection agency changed my personal debt and billed it to my employer. My account number remained the same, but they billed it under my employer 's corporate name and included a website and password to access my debt which they disguised as debt owed by the corporation itself. This not only exposed my personal debt to the company, but they also almost payed a debt that they did not possibly owe. 

I have disputed this debt for over 2 years because of incorrect billing and overcharges and this agency has refused to contact the original creditor to resolve the matter. I had stopped making payments when I reached an amount that I was willing to settle at for the incorrect billing. This credit agency made the move to bill my employer as a retaliation for not paying the full sum.
I've disputed an item with Experian and they failed to start the dispute in due course. Instead, we discussed an option to upload documents which they were well aware of what those docs are, from an email sent over to them, but they still had me upload it to their broken system to gain few more days. Then they advised me they can't use those docs. When I informed them of new doc 's received from the company, and that I need a quicker way to submit it. XXXX XXXX gave me a broken Fax number to fax it to and dragged it out for another few days causing me severe pain and damage until they finally gave me a good fax number and when received they again were unwilling to accept those docs. This is a simple run around of a fraud company. Even after the creditor itself advised them over the phone of the error they didn't fix the error.
This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected. 

Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}. 



Please contact me directly @ XXXX if you have any further questions or concerns. 



Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept. 

XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''
XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX   ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.
A collection agency named Frost Arnet just started reporting a collection account on my credit report for {$2200.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.
I have two hard inquires on my credit report that we not made by me. They were applied on XX/XX/2018. I believe my identity has been compromised.
I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information.
After several attempts to contact XXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all four credit reporting bureaus. The amounts from XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXX XXXX and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.
I refinanced my home with PNC on XX/XX/XXXX. I did not want to set up an escrow account, but the loan officer told me that it is mandatory for closing and I can call and cancel at anytime after closing.
- In XX/XX/XXXX I sent a request to cancel the escrow account. My request was denied and I was told that my loan-to-value ratio does n't qualify.
- In XX/XX/XXXX I sent another request to cancel the escrow account. My request was denied and I was told I have to complete 12 payments to qualify.
- In XX/XX/XXXX I sent another request to cancel my escrow account. My request was approved, but PNC demanded that I must pay approximately {$1300.00} fees for closing the escrow account. I talked to the executive client relation, and they told me the fees is to offset the rate discount I received at closing. I was never told that during closing. 

I read the contract and there is no mention of any fees dues when an escrow account is closed. I was deceived at closing, and I was given various reasons for the refusal of my request, and finally the bank want to charge me exuberant fees to sway me not to close the escrow account.
2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from XXXX stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a 100 dollar gift card to merchants like target. I did not speak with anyone. This is a scam company and please review the letter I have attached.
I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX However, Experian sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
On XX/XX/2018, I did a balance transfer for {$1400.00}, however XXXX ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient.
I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from Wells Fargo. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that Wells Fargo and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
I have repeatedly disputed erroneous information on my XXXX   credit report that has adversely affected me and my credit worthiness. Portfolio Recovery Associates has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for Portfolio Recovery Associates ( PRA ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - PRA is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that PRA is verifying this information and it's accuracy with the original creditor then?

4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with PRA 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from PRA!

7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted.

8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX XXXX own reporting. This should be deleted.
Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is with the creditor XXXX XXXX amount number {$600.00}. They are trying to collect a debt from me that they purchased from XXXX XXXX XXXX, who charged off the debt and collected insurance on it. I have sent dispute letters to both bureaus, and to XXXX and XXXX XXXX XXXX. The response from them came back as verified. So I sent debt validation letters requesting the " original instrument of indebtedness '' or any signatures of documents or voice recordings as proof. They were not able to furnish these request. The only thing that was sent was an account summary and amount in which they are collecting. I have attatched those 2 documents. The documents that were sent are no where near the proper ways to verify and since the 609 letters and debt validation clearly states this. To make matters even worse XXXX  has not been responding, that is a violation of my rights.They are forced to abide by the Fair Credit Reporting act and delete these adverse accounts. They are putting a strain on my credit and placing a burden on my life overall. Please delete these two accounts from my credit file
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request Home Depot to  submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Upon return of our vacation, we logged into our Chase account to find that Chase charged us 8 seperate overdraft fee 's of {$34.00} each over the course of 24 hours. Not once, were my husband or I notified that we had overdrafted our account. Not once. EIGHT {$34.00} charges on our account and not one notification. Upon contacting Chase, I was transferred multiple times and the only response was that they could only refund 3 of the overdrafts and not all 8 that they had charged. Leaving me with a {$170.00} fee because Chase did not notify me of the overdraft charges when the occured. On top of this, I am signed up to recieve notifications for this account and if it reaches below a certain balance. Chase states that they notified my when they did not. I offered them my phone records from XXXX so they could see that these alerts were never recieved. Chase still refused to care and said they can only refund 3 of them and that no one in their company could refund me more than three of the overdraft fees. No one. As a XXXX XXXX myself, I know that statement is ludicrous. 

I have been a loyal customer of Chase Bank for over a decade with multiple business accounts, checking accounts savings accounts and credit cards. The representatives have been rude and condescending towards my requests and I beleive I have enough reasoning to be refunded the {$170.00} that they charged me on my account without any notifications, despite them admitting that I was in fact signed up to receive account notifcations.
I originally had student loans throught Department of Education,  XXXX  ... in  XXXX  of   XXXX   I consolidated all of my federal loans through  XXXX . However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
In XXXX I paid off an existing Flagstar Bank loan and refinances with Flagstar.  Through the process they collected 2 months worth of homeowners insurance which would have paid me until XXXX and set me up with an escrow account. My insurance renewal was in XXXX. For reasons that they are unable to fully explain, and seems as though they do not want to take any blame on their part, they made a payment to my insurance company that did not go through. They never once tried to contact me to let me know there was any issues knowing that this forced me to have a lapse in insurance. The comfort of having an escrow account is that you know your taxes and insurance are paid. I received a notice from my insurance company in late XXXX confirming I was no longer covered. When I contacted Flagstar, they told me that I was supposed to authorize the payment once it was attempted in XXXX and returned. I confirmed I was never contacted regarding an authorization and they repeatedly told me that had I authorized this, it would have been paid. They refused to confirm why I was not contacted. When I asked that they immediately release the funds they confirmed that their insurance department was closed and they could not confirm if I had enough funds. When I told the manager I had access to my online account and asked if that was the same amount he told me he did not have that information and refused to put me on hold to confirm with another representative. It was n't until I told him that I would personally file a complaint against him if he did n't even attempt that he put me on hold and within 2 minutes was able to confirm the amount was the same. Due to this failure, I have had no insurance for over a month. Whats worse is the lack of cooperation when this mistake was discovered. They refused to acknowledge it was their mistake, refused to ask for help on basic information, and also refused to release the funds tonight. They are making me wait XXXX hours which means I am still unprotected. I am writing because this is an abuse of power on their end and I would like an investigation into this matter as someone needs to be held accountable for this major mistake.
We do not owe any debts to anyone and our credit rating is superior. 

When Midland credit management calls there is no one on the line therefore, we can not stop the calls. 

Midland credit management has called XXXX times in the past week. 
They call before XXXX and after XXXX. They sometimes call every hour for extended amount of time. 

We have tried blocking their calls but, they just change numbers.