WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced last year XX/XX/XXXX with XXXX mortgage who then sold the mortgage to Lender Live mortgage company. I received a notice my taxes were never paid and my house would be auctioned off XX/XX/XXXX. I called Lender Live on XXXX XXXX, 10 days ago. I emailed the auction notice per their request the same day, XXXX XXXX. I called them back XXXX XXXX and issue not taken care of. I called again XXXX XXXX and XXXX and they still had not resolved the problem or paid the taxes. Today I received a letter from my house insurance that my insurance was not paid either by Lender Live as it should have been thru my escrow. Also they have not paid taxes that was due XXXX XXXX. Now it appears not enough money will be in my escrow to pay all taxes and insurance when amounts have not increased and I have previously always had a surplus in escrow before. Lender Live should have been tracking my insurance and taxes as their full responsibility to pay these thru my escrow.
Last night I tried to get free credit reports from XXXX, Transunion, and XXXX. XXXX  was very helpful and we received their free credit report promptly. Transunion tries to get you to subscribe to a monthly paid service to obtain your credit report and Fico score. After multiple efforts, we finally were able to submit a request for a free report and they denied the request on the basis that they did not have enough information to confirm my identity. We paid off our last mortgage almost 24 years ago and I did not remember what the amount of the mortgage was. 

XXXX  told me that I was not entitled to a free report, in clear violation of Federal law. As a result I contacted the Federal Trade Commission, got the right phone number to get the reports from Transunion and XXXX, called that number rather late at night. A woman answered my call, asked me for some brief information, and said that I should receive the reports within 15 days. 

I initiated a Credit freeze wih XXXX after checking the Credit Report that they provided. This process was simple and quick. 

I get the impression that both Transunion  and XXXX  are gaming the system. They resent having to provide free credit reports as required by law.
I was given an amount to pay each month of XXXX as payback on my student loans XX/XX/2015. 
This year they are charging me XXXX based on no changes in my salary or status. I simply ca n't afford XXXX more dollars per month. 
When I call they put me on hold or disconnect me,
I originally had XXXX school loans with XXXX that were transferred to XXXX in XXXX. In XXXX both loans with XXXX were paid in full. Now in XXXX I pulled my credit reports from XXXX XXXX and transunion saw XXXX is reporting both loans payment history incorrectly ; in payment history XXXX since XXXX reports no payment history until XXXX, which is the final payment payment owed. Also XXXX does not report who the original creditor, XXXX XXXX on either account. This is completely inaccurate. I disputed both loans on all XXXX credit reports. In XXXX I received notice from all XXXX bureaus verified the information as accurate. Per fair credit reporting act, a creditor has to report complete and accurate information to credit bureaus by law or if incomplete and inaccurate by law has to be removed from a credit report at all credit bureaus. Also under fcra I have the right to request from the creditor the information provided to the credit bureaus to verify the debt information as accurate. So I called XXXX on XX/XX/XXXX and spoke to rep XXXX employee ID number XXXX. I advised her of my plight, and I was requesting that a copy of that information be sent to me that was used to verify the payment history per my rights under fcra. XXXX informed me that they do n't actually keep record of each payment you make and when. They only report the date when the account has been paid in full. In my case, XX/XX/XXXX. Which is exactly what 's reported on all XXXX credit reports, no other pay history accept being paid in full on XXXX. I advised XXXX of fcra law, and I wanted the accounts removed. XXXX refused also to send copies of the information sent to credit bureaus to verify accounts and XXXX advised that was n't going to happen either. I stated under fcra law it was my right to ask for and receive this information, if they refused they are violating fcra law and can be sued. XXXX laughed then asked if I knew how long XXXX has operated like that, and if they were breaking laws someone would have complained about it before.i advised her you know your on a recorded line and admitting XXXX is violating fcra laws. XXXX can be sued for this, I then asked how to reach their legal department, XXXX then advised that XXXX does n't have XXXX.
A few months ago, I had an overdraw on my checking account at PNC bank. I filed a complaint to the bank saying that I rarely overdraw and if there was any possible way I could be reimbursed for the overdraft. While I was waiting for an answer back, they added another charge on the account for the overdraft even though my complaint was not answered. Finally, an employee got back to me about my overdraft case via telephone, but the line got disconnected, and the man never called me back. From what I have gathered by contacting PNC multiple times to resolve this problem is, this man decided that the charges on my account were valid and would not give me a refund. He did not explain this to me or have the decency to call me back, and every time I tried to get this problem resolved they said there was nothing they could do because the man I spoke to already made the decision to not reinstate the funds. I was charged with over 100 dollars in banking fees because of this issue. I have called the company to complain about the issue, which the representative told me she would file a complaint about the disconnected call and how the man never called me back, but I never heard from them again. 
Furthermore, when I started the account the PNC employee that set up my account gave me the most expensive checking account, claiming it was free because I have a mortgage with them as well. When I sold the house and no longer had a mortgage through this bank, they then began charging me banking fees. I went into the branch twice to switch my account to a student checking account or a basic one, and each time they told they would, yet they never did and I was still charged the same monthly banking fee. 
I have since canceled my account because of the extremely poor customer service. I also tried to retrieve the banking statements from the month of the overdrafts, but my account login does not work now.
good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a " permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ...
I had taken out a payday loan from Speedy cash for {$800.00} in XX/XX/XXXX. 
During the repayment process I had reached out to them to let them know I was having a hard time paying weekly. Unfortunately they kept taking payments from my account which caused problems with al my other bills. I closed that account because they wouldnt stop. During that time I was moving and had some other health issues going on and ultimately forgot about the end of the loan payment. 
XX/XX/XXXX I was served at work with a law suit from speedy cash for {$1900.00} and lawyer fees of over {$700.00}. Ive never been in that situation before and didnt understand what was served to me. While I was doing research and and working time had gone by and saw a judgment had been made against me. 
This was my second loan I had taken from speedy cash. The first loan I payed off almost immediately. So, for them to take this as far as they did for {$300.00} is beyond me.
Received a letter from XXXX about breach at XXXX XXXX and that I had free credit monitoring. While looking over my credit report there was two accounts in collections with Diversified Consultant ( XXXX ) XXXX. One was for XXXX alert date XX/XX/XXXX and the other was for XXXX alert dateXX/XX/XXXX and I am not in the rear on any of my bills and do not believe these should be on my credit report.
I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
In XX/XX/XXXX I graduated from XXXX with a {$9000.00} loan. I was given a gift of {$2000.00} from my parents upon graduating which I put towards my loan bringing it to {$7000.00}. Myself and other colleagues where let go from our position due to downsizing and I requested an income based payment option. The person at Navient said they would lower my payments but failed to mention that {$2000.00} was going to be added to my principal. Also my payments from XX/XX/XXXX-XX/XX/XXXX was mismanaged as I was making payments on the interest alone and nothing was going towards the principal.
My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX
These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again
Credit Inquiry from XXXX made with no consent or authorization by me in and around the dates of XX/XX/XXXX or XX/XX/XXXX. 

I contacted TransUnion who provide a credit alert service through XXXX who advised me that I would need to provide written letter to dispute the inquiry and this information would not be shared with XXXX  and XXXX. In addition, a letter would need to come from XXXX as well, but XXXX advised me that they do not perform this service and I would need to file a complaint through this agency.
On XX/XX/XXXX a charge was made at XXXX XXXX in Arizona for the purchase of several items totaling XXXX. I did not make these purchases. They were made using a credit card I had applied for but had never activated.
Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. I sent a certified verification letter to XXXX XXXX XXXX XXXX on XX/XX/18. I still haven't received a response.
I contacted the lender at Advance America and let her know about my financial hardship situation. She processed the court papers and had a third party call my uncle and my friend about getting the papers processed. I have stayed in contact with them about my loans. I keep getting harassing phone calls from them more than one a month. my uncle, mom and friend recieve phone calls from a third party in Texas for Advance America.
On XXXX/XXXX/15 I placed an order for swiss army knives from XXXX The items were in stock. The company contacted me for payment by wire transfer. On XXXX/XXXX/15, I completed wire transfer of {$210.00} EUR ( {$250.00} USD ) from my XXXX. The company then contacted me to say the order was cancelled and items were not available. When I go on to my account at their website, it says on XXXX/XXXX/15 money received and paid back. I have not received money & after numerous emails I still only get automated response saying they received my request & will get back to me. I also wrote XXXX in XXXX but I know they speak XXXX.
My name is XXXX XXXX. My husband XXXX and I are members of USAA bank. We took out a personal loan last Thursday for {$20000.00}. This loan was going to be used to pay off a different loan at another bank. I specifically asked them to mail me a certified check to be made payable to another bank. I asked them to mail the check to my attention at my place of employment because I did n't want the check sitting in my mailbox. Instead they mailed they mailed the check directly to my employer at XXXX XXXX XXXX college and did not put my name anywhere on the envelope or the check. I found out later that my finance director wrote void all over the check and called USAA and was told to mail it back to them. The check has yet to show up and now I am getting the run around from usaa and have been since last Wednesday. My husband and I are both police officers and he is a former XXXX. We ca n't afford to have two {$20000.00} loans open. I am respectfully asking for your assistance in getting this resolved, especially since this is a federal bank. I look forward to hearing from you soon please. I have escalated this problem all the way to the USAA 's president 's office and they have yet to make their error right. Here is a list of dates and times that I have spent on the phone with USAA trying to get this resolved : XX/XX/XXXX at XXXX  and XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX, XXXX and XXXX The lady from the president 's office who was assigned my complaint on Friday did not reach out to me until Tuesday after I called and left two voicemails. She did tell me that if she could find the original recorded phone call where I ordered the certified check, it would be simple to stop payment on it and return the money to my checking account. She also said if she could n't find it and the check was lost, I would have to wait another 90 days.
Thank you in advance for your time. XXXX XXXX
I have sent numerous letters, police reports and made number phone calls into in regards to the fraudulent U.S. Bank checking and savings accounts ending in : XXXX, XXXX and XXXX. These checking and savings accounts are fraudulent accounts that was opened by someone else who stole my personal information and identity. At the time these accounts was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation that I was incarcerated.
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. Sincerely, XXXX XXXX   Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of Information
Hello. Several years ago I was called about a XXXX XXXX card that was opened in Colorado sever years after I stopped living there. The person that opened it up had my social security number, the old address, and some other identifying information on me. I'm not sure who it is, but I told XXXX  that the card was fraudulent and they didn't seem to want to do anything about it. I called them back a few times though and got someone who said that they would send me an affidavit I could sign to get rid of the card. I never received it so I called back again and again. I never did recieve it and I'm suspecting that they were sending the thing to the old address they had on file. We tried this about 4 times and then my father ended up having several massive strokes. I didn't have time to deal with the company if they couldn't even get mail sent to my address correctly, so I put things on hold while I took care of him and then forgot about this entirely. I recently went to apply for a house and they said that this account was hurting my credit score by 120 points. I did not get the loan because of it and the house sold. 

I am currently working with them again but this is ridiculous. This time they sent me a questionnaire to fill out via email and say they are processing things, but I have no way of contacting them or talking to them about the issue. I just get a random call center person who looks at the status on the screen. It's been processing for several weeks now and I haven't gotten any word back from them. They probably sent more documents to the Colorado address for all I know. 

What's crazy is that it is XXXX dollars. I have perfect payment history for everything else I've ever had. I spend almost 700 $ a month at XXXX  on Coffee and Lunch but I am done. They won't get another dollar of mine at this point. 

Here is the information on the card. I only have the account number.. They wouldn't give me the card number because I didn't open it. lol Account Number : XXXX
XX/XX/2018 revolving credit bill for {$200.00} sent *** XX/XX/18 - payment of {$200.00} credited to my account *** XX/XX/2018 - bill for {$2.00} finance charge sent for payment *** XX/XX/2018 - after XXXX, {$2.00} fee refunded *** About XX/XX/2018 I filed complaint with PA XXXX of Attorney General concerning improper ( fraudulent? ) transaction/interest fee imposed on XXXX XXXX XXXX XXXX XXXX XXXX complaint read ... On or about XX/XX/2018 I made payment of {$200.00} which was the total amount owed on my revolving XXXX account. This was payment in full on the account. Subsequently, XXXX sent a bill for {$2.00} due on XX/XX/2018, ostensibly for interest due. The billing statement on the back states ... we eill not charge you any interest on purchases if you pay your New Balance by the payment due date each month. ... This bill for {$2.00} violates that agreement. XXXX XX/XX/2018 XXXX responded that ... the {$2.00} interest charge on your XX/XX/2018, billing statement was for the interest charged on your account due to the balance you carried over from the previous billing period. Specifically, you were charged interest for the balance between the last bill date of XX/XX/2018 and the date XXXX XX/XX/2018 ), that your {$200.00} payment was received for your account. ... *** When I spoke with XXXX XXXX ( XX/XX/2018 ) she insisted that interest charged was due to credit extended between XX/XX/2018 billing statement date and date payment was actually received ; that XXXX XXXX XXXX XXXXk ( XXXX ) made such charges part of their credit agreement ; that the XXXX credit card disclosures, paragraphs when interest charges begin and grace period on purchases allowed that interest charge.
I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}. 

I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each. 

After waiting the 120 days required, I never received the promotional sign up bonus.
Ocwen Mortgage LLC got my mortgage loan from XXXX XXXX XXXX in XXXX. Since they have had the loan they have told me several things one my monthly mortgage payment ( XXXX vs less then XXXX ) is higher then the real amount. Then the escrow amount is high because I missed payment ( they have now knowledge that was incorrect. But still say I need to modify my loan because I am behind ) I have repeatedly asked how that can be and they still do n't known or answer the question. My mortgage has been 40 years at 3.625 % since XXXX which make my monthly payment just under {$800.00} and I have paid more than that very month so how can I be behind on the my mortgage. Also they want me to modify my mortgage to 40 years at 3.625 % which is the same as it is now for a monthly payment of {$790.00} which is what has always been.
On Sunday, XX/XX/XXXX, I visited XXXX to view my free credit report. 

After clicking through various pages and inputting what appeared to be required data home address, social security number, debit card number, etc. I saw my credit report. 

On Monday, XX/XX/XXXX, I checked my bank account and saw TransUnion had taken {$21.00} out of my checking account. I called to ask why they did this, and they said I signed up for some monthly service that would bill me {$21.00}. They also explained that while my credit report was free to view, my credit score cost money to view.

At no point while entering my personal information to view my free credit report on www.annualcreditreport.com do I recall consenting to pay TransUnion any amount, never mind signing up for a recurring fee. I told TransUnion to cancel my subscription. 

Later, on Monday, XX/XX/XXXX, after doing a quick search to see if anyone else had encountered this problem, I found dozens of people retelling the exact same scenario on various websites. I called TransUnion again requesting a full refund of my {$21.00} in addition to cancelling my subscription. 

Both times I called TransUnion they agreed to my request and said I'd receive a confirmation email. Thus far, I've received no confirmation emails from TransUnion, and the money has yet to be put back into my account. 

From my perspective, TransUnion is tricking people into paying for a service by following the steps on XXXX. They are willfully conflating the free credit report with the non-free credit score. Again, at no point in time did TransUnion inform me that I was buying something from them while trying to obtain my free credit report. This practice seems outright deceptive.