WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage loan was modified in XXXX by XXXX XXXX at that time an escrow analysis was completed and my payment increased {$17.00}. My loan was transferred to American Financial Resources in XXXX XXXX. I recently recieved a statement from this company advising that I have an escrow shortage of {$2000.00}! I called and spoke with a customer service rep who was rude, and basically told me yes the previous servicer did not complete an escrow analysis which is a direct result of the large shortage but we cant do anything about that now as the new servicer and the funds were already advanced to pay your taxes. This is a clear RESPA violation that no one wants to take responsbility for and put it on the consumer. This money should not be only me to come up with this is the servicers error and they should take full responsibility and take the loss! I then emailed the servicer requesting an escrow spread as I do not have the funds to pay the shortage in full and beginning XXXX/XXXX/XXXX they are increasing my payment {$180.00} to cover the shortage over 12 months. I can not afford this error that was not mine I pay my mortgage payment and it is the responsibility of the servicer of my loan to pay my taxes and insurance out of my escrow account and to also review annually to ensure funds are available for these advancements. I am a single mother, living paycheck to paycheck and i refuse to be taken advantage of my money is hard earned! I have not heard anything back from the request to spread the escrow shortgage over 5 years and the request was sent XXXX/XXXX/XXXX. I will not stop here with the complaints I will make a RESPA complaint as well as go to the media and social media if necessary, please help!
Vision Financial gained every number of my relatives, customers, and co workers from XXXX XXXX and sent a blanket message that a court action was going to be filed against me over an old debt. I have contacted XXXX 's Security department and they are investigating this as a potential hack of their systems. I will be taking legal action against them for damages but need this investigated. Phone number for them is XXXX
I recently checked out my credit report. I see two accounts from Midwest Recovery Systems for the same amount of {$1000.00} from two different payday companies. I have emailed Midwest and XXXX   the two payday companies and there is no information on them. Midwest has not emailed me back. I did not open these two payday loans as Midwest Recovery has stated. I need them off my credit report.
I called Paypal Credit earlier today, XX/XX/XXXX, to accept a settlement amount of XXXX which is supposed to be accepted by XX/XX/XXXX. The rep in collections, XXXX, first stated the amount is due in full and then stated an amount of XXXX over 6 months. I have a payment scheduled in the amount of XXXX for XX/XX/XXXX, I explained to him that I do not have XXXX to pay a month. If I did, my account would not have become delinquent. As you can see, Paypal Credit and their reps are asinine to say the least, they also tend to lie. Previously, one rep lied about a cease and desist on the account, there was never one placed as numerous other reps spoken to subsequently did not mention it and were willing to discuss account with me. In closing, please advise Paypal Credit I accept settlement amount of XXXX as there is several fraudulent orders to XXXX which runs into the thousands. However, I do not have full amount up front and can not afford XXXX a month.
Trans Union properly reported a student loan with XXXX as being paid in full, closed, in good standing, with XXXX balance, only to return the account to a balance status several days later. The loan with XXXX is indeed paid in full, closed, with XXXX balance, and should be reported as such.
I was under my parents insurance still at this time and is to be paid by them and not myself.
I had a state tax lien that was attached to my vehicle title in XXXX. This vehicle was being financed so the lien was a second lien. On XXXX/XXXX/XXXX the government lien was lifted from the vehicle. Ally has yet to send the title to the Indiana Bureau of Motor Vehicles to have the second lien removed. 
I contacted Ally by phone within 60 days of receiving the notice of the second lien being lifted yet not action was taken. On XXXX/XXXX/XXXX I used Ally 's online account messaging system to once again try to rectify this situation. To date I have not received any response.
I submitted a request to validate a debt. I disputed this debt based on the fact of it not being my account. I received a response and was told to contact the creditor. I had already contacted the creditor and they sent billing statements in which does not validate the debt as belonging to me. Upon calling the debt collector I was asked the account information and I gave the account info as it was listed on the credit report. The representative asked me was the last 4 of my social XXXX and I immediately yelled out NO my social is XXXX. As he was typing ( I could hear this in the background ) he advised me that he had to forward me to the dispute department, that was all he said before he transferred my call. When my call was answered by the representative who gave me the name of XXXX I went on to explain my situation to him and then he informs me that the social on the account was now my social after I had just given it to the previous representative that told me the last 4 of the social on that account was XXXX. I was livid because this representative has now fraudulently attached my social to this collection account. XXXX placed me on hold to speak with his supervisor in which he told me her name was XXXX was going to go back and listen to the recording to verify whether or not my social was indeed added to the account and also to confirm the last 4 I was told by the previous representative. Needless to say I was not called back but the account status was changed on Transition to closed instead of being deleted from my report. It still remains as an active collection on the other bureaus.
XXXX XXXX XXXX sold my modified mortgage to Nationstar Mortgage in XXXX. It has been a nightmare ever since. Nationstar Mortgage Company claims to have paid my insurance through the escrow account I have. The insurance company confirmed today that Nationstar never made XXXX payment for my homeowners insurance. Yet Nationstar took almost {$3000.00} of my money for insurance in XXXX, XXXX, XXXX. Nationstar is currently filing for foreclosure on my house because they claim I am in arrears. They have provided no evidence of this. I have documented extensively my payments. 
I have proof that : 1. proof that Nationstar claims to have paid hazard insurance from the escrow account with XXXX, XXXX, XXXX XXXX forms. 
2. correspondence regarding the complete lack of insurance paid with money from the escrow account 3. I have made the payments that have not been credited to my account In XXXX they took {$830.00} for insurance from my escrow account. 
In XXXX they took {$2100.00} for insurance from my escrow account. 
In XXXX they took {$1100.00} for insurance from my escrow account. 

Because I live abroad I was not informed of this at all. 
Nationstar has not only reneged on the terms of the acquired mortgage in terms of insurance, they have imposed extensive fees and repeated inspection charges ; falsified information about my account ; neglected to credit {$14000.00} in payments they claim are in arrears, and are now foreclosing on my house that my daughter lives in. 
I have tried to correspond with Nationstar since XXXX of XXXX. 
None of my inquiries have ever been acknowledged or responded to. 
My requests for their legal counsel 's contact information were ignored 3 times since XXXX of XXXX. 
I have tried to communicate with the law firm representing Nationstar. 
I have provided the law firm and Nationstar with documentation of every payment that has been received, proving that I do n't owe any money. Nothing has been accomplished. 
I have no lawyer because they all want a {$25000.00} retainer. 
The foreclosure date is on or around XXXX XXXX, XXXX. 
How is it possible that a company, who has numerous class action suits involving hideous levels of corruption, is allowed to take a person 's house away, when they are not in arrears? 
Time is running out.
This concerns a complaint i filed with my credit card company ( USAA/VISA ) with regard to repairs I paid for with my USAA/Visa credit card. My USAA member number is XXXX and the Visa card I used to pay with ends in # XXXX. Last XX/XX/XXXX I took my car to XXXX XXXX XXXX XXXX to have a knock noise diagnosed. I was told I needed a new engine. I paid a total of {$1700.00} to have my XXXX XXXX fixed ( New 'used ' engine, etc ). Before the job was completed I discovered I was being overcharged by some {$260.00} by XXXX XXXX XXXX XXXX and promptly filed a complaint with USAA. That amount was deducted from the {$1700.00} and left me with a balance of {$1400.00}. This all transpired while the car was still in the repair shop. I picked the car up and noticed a knocking/ banging noise and since I had no intention of taking the car back to XXXX XXXX XXXX XXXX because of overcharging I took the car to a local dealership where I lease my XXXX from. This was done in XX/XX/2017 and I was notified that the car had serious problems and that the 'used ' engine installed by XXXX XXXX XXXX XXXX was installed with faulty engine mounts and leaking transmission lines. The Service manager told me I could have been injured or worse if the engine mount had broken completely. I directed the XXXX service dealer to FIX the problems. I again contacted USAA/VISA and filed a second complaint demanding I be reimbursed the {$1400.00} because of poor/shoddy workmanship which could have caused me and my family serious injury or worse and quite possibly involving another vehicle. USAA advised they were investigating the complaint and as requested I provided USAA with all relevant invoices and information regarding the poor workmanship and additional monies I had to pay to have the mistakes corrected to make my car safe. On or about XX/XX/2017 I contacted USAA to find out if a decision was made regarding my complaint regarding the remaining charges of {$1400.00} and I was informed by a USAA representative by the name of XXXX that USAA ruled in my favor and I was not responsible for the {$1400.00}. I ask for a confirmation email and /or letter however XXXX the USAA rep advised everything was notated and I would receive something by mail in the near future confirming what he ( XXXX ) told me. Yesterday XX/XX/2017 to my utter dismay I was making a payment via my USAA checking account and noticed the VISA credit card balance had increased by {$1400.00}, ( the amount disputed and was told it was ruled in my favor ). I was not contacted by anyone from USAA either by phone Email or text advising of this decision on behalf of USAA/VISA which is a direct contradiction to what I was told on XX/XX/2017 by USAA representative XXXX. I was lied to, misled and ignored by USAA and it 's representatives resulting in causing me XXXX. I would appreciate CFPB look into this matter please. The phone number to USAA is XXXX or XXXX XXXX. I can be contacted at XXXX 0r XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pA XXXX
Wells Fargo is charging {$800.00} fees that I have called to get over turned they do not want. They just rip people off. My checking I had with them force my account negative to take out the mortgage payment and charge me a overdraft fee {$35.00} dollars every single month.
I have been batting with Equifax for a year about this items on my credit file. I have disputed them sending documents and they have investigated and sent the results back to me. That these items have been deleted from my credit file. And that they have done everything so that these same items want reappear on my credit file. So a year later these same items and companies have reappear back on my credit report causing very harmful to my credit score, causing it to drop. When contacting them they seem as if they do n't know what i am talking about. When these are the results that they have sent to me after investigate it, After sending in a copy of their letter head with their logo on it showing their investigation that they have completed. That these items have been deleted and that they have showed back up on my credit files. These are the accounts as follows : Confirmation # XXXX on XX/XX/XXXX/Accounts # XXXX, {$25.00} # XXXX, {$110.00} Confirmation # XXXX on XX/XX/XXXX/ Account # XXXX {$50.00} and accounts # XXXX {$37.00} and {$210.00} CASE NO.XXXX on XX/XX/XXXX was deleted and showing back up on my credit files as XXXX balances. But as they reappear causing a impact to my credit scores causing it to drop. Please have them removed.
I have attempted several times to have my home equity line of credit refinanced at a lower interest rate but Wells Fargo keeps denying my application. They wo n't refinance my second mortgage so I can keep paying their outrageous high interest rate.
I have an account that was open in which I did not open it. My information was stolen out my purse when I was a relative house. I spoke with the bank over the phone but they could n't give me any information on the account.
The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question. 


XXXX XXXX XXXX  {$710.00}
XXXX XXXX XXXX, pa XXXX XXXX Account # XXXX no contract no signature
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Equifax & XXXX I received a notice alert on my credit file telling me that I had an account opened under my name. I have two months worth of credit history and I have no clue where the account of XXXX XXXX appeared on my credit file and I am puzzled as to why this is appearing on my credit file. I have sent several certified letters to your company and I havent received any response yet. I have sent in letters to your company on XX/XX/2018. Its been more than 90 days and theirs still no response I dont know what the problem is. I have distressed and this is causing a major problem for me and my life. Being that this account isnt mine and its on my credit its affecting me tremendously and I believe that this fraud. I am disputing the accounts internally and I expect to see this account removed or else I will take legal actions towards your company if you dont remove this fraudulent account off of my credit file. I have contacted the creditor but I havent gotten a response at all so I want to know as to why this account hasnt been removed. I am only allowing 3-5 days.
I 'm not sure what the call was regarding. I received a call from Credence Resource Management this morning. The caller did n't identify the company she was calling from and when she began to ask identifying information ( asking me to confirm my address ) I asked what company she was calling from. She then identified the company. She said they have an account in my name and that she was calling to give me that information. I told her I 'd never heard of Credence Resource Management. She repeated I have an account with them and that she was calling to give me that information. I asked how I could have an account with a company I 've never heard of. There was a pause and then, sounding exasperated, she said goodbye and hung up. It was only when I did a XXXX search I 've discovered it is, apparently, a collection agency. I have no idea what they could be trying to collect on, I filed bankruptcy last year and it was discharged in XXXX. The caller was not being clear at all about the purpose of the call so it sounded like a scam. I 've selected the " Debt was discharged in bankruptcy '' option since I have a discharged bankruptcy, but I moved just over two months ago and while packing my desk stumbled across a small medical bill that had fallen behind a drawer. It was over a year old and was n't included in my bankruptcy since I had no idea it was still pending so I immediately paid it. So it could be that the issue is " Debt was paid ''. But those are the only options. I do n't have any debt now, and I 'm doing my best to keep it that way.
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/XXXX of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/XXXX. 

They have customer service foreigners that did not always understand me whenever I talked to them.
I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me  a (  very high {$38.00}  ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday,     XX/XX/XXXX  t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is   XX/XX/XXXX .  I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me  within 24-48 hours. I still have not  heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I
After working with Ditech Financial LLC for several years to get a settlement, they approved the settlement, but left only a few hours for the settlement amount to be submitted, and then denied the settlement for being late with the amount of settlement. As well, I was charged for insurance from their provider, at the same time paying for insurance from my personal provider, and receiving collection calls at all hours of the day and night. Please investigate this matter. Thank you so much.
I opened a checking account at BB & T in XXXX SC in XXXX. The terms of the account were no maintenance fees and I would receive paper bank statements. Within a short time ( about 4 months ) the bank changed the terms so that to avoid a maintenance fee I could not receive paper statements. So I continued with electronic statements only. In XXXX XXXX and XXXX XXXX the bank withdrew from my account a maintenance fee of {$12.00} per month. I called customer service and reported that I had an account that was not subject to a maintenance fee. The csr told me that the account I had was no longer available and so I changed to another account which did not have a fee as long as I had a personal mortgage account with the bank. I have XXXX personal mortgage accounts which originated in XXXX. The bank did not refund the {$12.00} for two months in XXXX. Then in XXXX XXXX the bank again charged a maintenance fee of {$10.00} per month. I called customer service and the csr refunded the fee. She said that the bank had decided not to waive the fee for mortgage holders effective sometime in XXXX and that I would receive written notice of that effect. The bank again deducted a maintenance fee of {$10.00} each month in XXXX XXXX and in XXXX XXXX. After each deduction I called customer service, and after spending about an hour each time the csr refunded the fee. In XXXX the csr that I talked with told me that the bank had a limit of {$35.00} that could be refunded in a year. After that conversation I received a voice mail from a bank csr stating that the bank had sent me a notice in XXXX XXXX that the mortgages would not longer be accepted as an exemption from a maintenance fee on my checking account after XXXX XXXX, XXXX. I have never received any notice from the bank indicating that the terms of my checking account had changed or that my checking account had been discontinued. The bank does not send notices to me in the mail. It posts notices online to my accounts, but never any changes to my checking account. I believe the bank is guilty of fraudulent practices designed to entice customers to open checking accounts there with terms that are quickly changed in order to extract maintenance fees. I have statements for my account ending in XXXX, but they contain the full account number so I am not attaching them.
OnXX/XX/XXXX, I called capital One/XXXX XXXX GM card, and asked for assistance because I am a victim of hurricane Irma. I spoke to two supervisors, and the last one told me that I would get a credit of {$200.00} on my account to help out with food, gas, water, etc. She said the credit would appear on my account within 24 to 48 hours. 48 hours later, I called capital one again since the credit had not appeared and I was told that they were " doing a system upgrade '' and that the credit would appear shortly. XX/XX/XXXX, still no credit, so I call again and I am now told that the credit will be on my account on XX/XX/XXXX.XX/XX/XXXX comes and still no credit. I call capital one again, and the manager I talk to this time was very unsupportive, unsympathetic, and clearly unbothered. I told her that I was told that I would get a {$200.00} credit for hurricane irma, and she says that is not true, " we do n't give credits up to {$200.00} for anything and if the agent you talked to told you that, they should 've given you the credit immediately, we have steps to take for things like this and you have to apply for a credit increase '' after some unnecessary back and forth. She puts me on hold and comes back and says she has pulled the call and she sees the notes where the previous supervisor said I would get a {$200.00} credit but she has to forward the call to the corporate offices and let them listen to it which will take 7 to 10 business days. So not only does capital one not believe its customers, it does n't believe its own employees. XXXX XXXX, in the middle of writing this report, I get a call from the same manager, who sounds much nicer now. She says she has spoken with her supervisor ( which was something she could n't 10 minutes earlier the first time we spoke ) and granted me {$150.00} credit. I do not appreciate the way this company jerked me around and lied to me, it 's bad enough I am dealing with the aftermath of a category 4 hurricane, and after recieveing emails from capital one, saying " we are here for the victims of hurricane Irma '' capital One has proved to be unreliable, dishonest, and unaccountable.
On XXXX XXXX, 2017, I sent a letter to Keynote Consulting INC. Asking them to validate and verify the debt that they say i owe. I have not recieved anything back from them and it 's been over 30 days.
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2017 This is was in inquiry placed on my credit and i do not recall giving authorization on providing consent for this company to check my credit. it shows as a hard inquiry on my credit and i would like to get it removed