WillisBack/dataset-financial-user-claim huggingface dataset:
This is the letter I submitted to Fay Servicing regarding property taxes that they paid on my behalf out of my escrow account, on a piece of property that I did NOT own. 

To date, they have done nothing to resolve the issue. 

RE : Property taxes being paid ( on our behalf by your organization ) to the City of XXXX for real property, which we do not own Property in Question : Borough : XXXX XXXX : XXXX XXXX : XXXX Entire Lot ( parking space ) Unit : XXXX Address : XXXX XXXX XXXX XXXX To Whom It May Concern, It has come to my attention that it appears that we are paying property taxes from our escrow account for a piece of property that we no longer own. ( Your company is managing our escrow account and paying these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, XXXX, in their never-ending corporate incompetence ( which I have experienced multiple times with this mortgage ) sold you a mortgage to service which no longer contains this property. We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( the one we 're now paying through your organization ). 

We applied for, and were granted, a partial release of mortgage from XXXX. We were given permission to sell the parking spot, which we did. XXXX, in a very underhanded way, wound up keeping more than half of the net proceeds from the sale. 

Please update my mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for more than a year. 

That means all the property taxes for the parking which that you paid to the City of New York on our behalf last year ( XXXX, as well as the parking spot property taxes from XXXX XXXX - XXXX XXXX ) are owed to us and should be returned to us. 



Also, DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX
I opened a savings account with PNC Bank. The bank gave me the option to fund the new account with a credit card and so I did. {$1900.00} was charged to my card and made it to the account on XX/XX/2018. A " cyberfraud '' security freeze was put on the account soon after. Now I can not move or withdraw the {$1900.00}. I call PNC to resolve the issue and they say that the only way I can have the account unfrozen is by going to a PNC branch for ID verification. PNC Bank does not operate in my state, California. I am not going to book a round-trip flight to a PNC location to get my identity verified. 
PNC should not have allowed me, a citizen of California, to open the account to begin with, if it requires flying to the east coast to verify ID.
I just had this credit collection reported on my report, Have no idea who where or why, my score dropped XXXX points because of this action.
I have been attempting to make a payment on my Huntington Voice credit card, for over a month, but have been unable to due to an error message. Stating the following ; " One or more payment accounts below have been flagged by your financial institution for routing number and/or account number issues. Please contact your financial institution to confirm the payment account information and if needed change the payment account as necessary. '' I have contacted Huntington bank reps. Numerous times to get this resolved and after over 1 month since my first complaint I am still unable to make a payment online. 
I work XXXX ( leave for work ) and typically do not get home until after XXXX. Making a payment online was part of the original agreement i entered into with Huntington bank. On my latest contact with a Huntington bank rep. on X/XX/2017, via a Live Chat through Huntington Banks ( HB ) own platform, it was implied that their is some sort of security restriction Huntington added to my account that prohibits me from making an online payment. I have no idea why and Huntington refuses to provide any information confirming or explaining why. I have not received any correspondence via USPS, Email, Verbal or Text that my account has any restriction for payments During my live chat with a XXXX rep. : - I explained I was unable to add my external checking to make a payment online. 
- I explained my need to make a payment online due to personal restrictions. 
- I have been charged late fees the last few months - After several minutes of researching the HB Rep confirmed the error message but incredibly refused to help me or forward my issue to the  appropriate department. I was literally lost for words. Can you believe that, Huntington literally refused to help me or forward my complaint. WOW! 
Additionally, XXXX is providing untruthful statements to me, e.i. the error message is untruthful. 
- I am beginning to believe Huntington bank is deliberately trying to ruin my credit due to my previous valid complaints. If this is not an example of some sort of retaliation, please find me a more accurate reason for all these issue I have had with them.
on XX/XX/XXXX my XXXX account was send to collection with a balance of XXXX dlls that was how much the company was charging me alleging I did n't return a cable box, wich I did, when I hire XXXX as my cable provider they sent me a total of 4 boxes on the mail to connect myself, but one of them did n't work and I went to my local XXXX office to exchange it and they did, but what they did n't do was to record that I was actually returning a box, when I cancelled my service I had to return 4 boxes but they were saying it was a total of 5 boxes I did n't pay then, and they put me on collection after a few years on XX/XX/XXXX, I went ahead and pay the debt, that 's ok, but that 's not my complaint, my complaint its about the collection agency not deleting the record of the debt so my credit scores can go higher, the name of the company is XXXX XXXX XXXX.i called them several times asking if they can do it but my answer is always no, Hopefully you can help me and so I can be able to bring my credit scores higher. thank you
Attached please find [ 4 ] Form XXXX issued by USAA wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following USAA Credit Card accounts which I have repeatedly disputed. USAA : # XXXX, USAA : # XXXX, USAA # XXXX, USAA : # XXXX. Each dispute was met by USAA 's claimthat they verified the account as accurate. Recently, I received refund checks from USAA related to these accounts. I was told USAA had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The USAA revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain USAA members would be reimbursed for USAA 's errant ways. As the attached XXXX will attest, USAA has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX   or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
The balance of this loan from XXXX XXXX XXXX of XXXX, XXXX, was discharged as part of a chapter XXXX bankruptcy, and is reflected as XXXX balance on my credit report. I received a letter from Trans World Systems of XXXX, XXXX, stating that the balance of the loan is now with their agency for collection, and the want the balance in full, with and almost {$800.00} fee. I believe this is fraudulent. In the letter they sent, there is no phone number to call, and the website they list requires information to log in that was not included. The letter states that if they do not hear from me in 30 days, that they assume the debt is valid and will pursue collection. I doubt the validity of this letter, the company, and their access to information which is no longer valid.
Chase Bank wrongfully allowed a stolen check made payable to me to be cashed a second time after I had already deposited it via the Chase mobile app. I clearly wrote the words " DEPOSITED ON XXXX '' on the face of the check after the deposit was successfully made on that date. When the criminals cashed the check on XXXX/XXXX/2015, the funds were debited from my checking account even though the crime had been reported to Chase on XXXX XXXX. This action has put my account in the negative and Chase is refusing to take responsibility to rectify this matter. This is unacceptable! I was victimized and as a long-time Chase Bank customer I deserve to be protected by them not disregarded.
Navient has forwarded my account to collections and legal action because I have not paid. I have been trying to pay but due to being out of work ( even though I was trying my hardest to find work ), I could not afford any payments. I explained my situation and they would ask for my income vs expenses and agreed that I had no extra income in which to pay, yet when a manager was contacted I was told I had to pay if I did n't want further action to be taken. I felt bullied into trying to find money that I did n't have because I would receive at least 6 calls a day everyday from their different locations saying that I had to pay or I would be taken to court. I was never offered a reasonable repayment plan. I would explain to them my situation and offer an amount I could definitely pay but was continuously told that was n't enough. They kept suggesting using a credit card - which I do n't have - or ask people I know for the money. I do n't know anyone who I could ask for that money. I feel that they should have been willing to take any amount I could pay a month instead of rejecting everything I suggested. My interest has added {$1000.00} 's of dollars to my loan and this has affected my credit. Navient is now telling me that they will take me to court due to non-payment. I just got a minimum wage job and am willing to pay but that is no longer an option.
XXXX XXXX has an address listed under my personal information that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
On XXXX XXXX around XXXX XXXX an individual from Diversified Consultants Inc. called my home number looking for XXXX XXXX. My wife answered the phone and told them ( 1 ) we do not know who this is, ( 2 ) no one by that name has ever lived at this number and ( 3 ) we have asked and been told multiple times when this company has called the number would be removed. They told us today it would happen. Problem is they always promise and then call back. On Thursday, XXXX XXXX, around XXXX I spoke to XXXX XXXX, told him the issue and asked to talk with a manager, he put me on hold and then the line went dead. I called back at XXXX XXXX, spoke to someone and asked to speak with a manager. I was transferred to XXXX XXXX in XXXX FL at XXXX. XXXX promised me my home number would be removed from their files. This is the second time I have filed a complaint about this issue. The last time was in XXXX of this year. Your agency told me the problem was resolved. It is my opinion they simply " sold '' the file to a sister company in a different state. Not sure how else to explain this.
I have a credit been trying since XX/XX/XXXX of XX/XX/XXXX to have access to my credit card statements to pay my bill and continue to not receive them nor have they put them back on my bank account as I have asked them to do. This has caused me to pay thousands of dollars in interest and I feel that I should not have had to pay that and at this point I am looking to hire a lawyer to get this handled due to the hardship this has caused. 

I had the business credit card linked to my account so that I could pay the card, I fell behind on my payments and in XX/XX/XXXX of XX/XX/XXXX they took it off of XXXX XXXX website so I could no longer see what I owed. I went to the bank in XX/XX/XXXX and was advised I would have to call and discuss directly with XXXX XXXX XXXX. On XX/XX/XXXX I spoke with them and was told I had to make a payment ( which I did to bring my account current ). They then advised me they would put it back on the website so I could keep current. ( for reference all conversations were recorded by them ). They did not put it back on and I did not get any statements in the mail either. On XX/XX/XXXX I called again trying to get it put back on so I could pay my bills - again I was told I had to pay to bring my account up to date ( I did again ) I was assured that It would be placed back on my XXXX XXXX account to see the statements for payment. This did not happen again - same scenario on XX/XX/XXXX - XX/XX/XXXX which I was absolutely assured it would be. I called again in XX/XX/XXXX and they pulled up the phone calls and said oh yes it was supposed to be back on within two days from the call on XX/XX/XXXX but oh wait we need to now send you paperwork for you to fill out so it can go back on. I received the paperwork this morning. This has caused my credit rating to go down considerably, as well as cost me thousands of dollars in Interest. I would like them to repay the interest as well as fix my credit rating. I really tried to stay on top of this but how do you pay a bill if you don't have anything to pay against?? As far as I am concerned they can close the card and EAT the monies owed them. 

Help - please. 

Thank you
They are calling my work, friends, coworkers and saying they 're garnishing my checks and putting a lien on my home. They are calling everyone multiple times a day and refuse to send me proof of the debt. Also stating tbey served me papers in XX/XX/XXXX, for a debt from XX/XX/XXXX that was discharged.
SYNCB/CARE Credit ( XX/XX/2014 ) for the amount of {$400.00}. Show on my credit report that I have a joint account that has been open in my name and XXXX XXXX. I have attempted several time to inform SYNCB/CARE that this is not my account and I have " never '' opened this account with XXXX XXXX. I informed them my signature was never on this account for approval and if my name is on the account someone else had signed it for me. I have ask them to send me a copy of the documentation showing were I signed, but as of today they have not.
Hello, I am Rushcard customer. I still have not received my payroll direct deposit, which was due on XXXX/XXXX/2015. They also zeroed out my account of the funds that were there prior to the " upgrade ''. When I called, I was in the call que for as long as XXXX hours before being disconnected. Once I did get through, I was given the generic answer and apology. They sent emails and texts letting us know that this upgrade was coming, but when everything went awry there was no communication at all. Then when they finally did send an email, it was about waiving all the fees during the holidays but the problem still is not resolved! Not only could people not receive funds but they could n't take any out or make purchases. I had to ask my employer to do a reverse direct deposit to get my paycheck back and that is going to take 3-5 business days! I have a family to feed, bills to pay and am in the process of moving. This is unacceptable! 

Now I completely understand the situation but it should and could have been handled better than this. I was pleasant each time I called. ( XXXX times called, got through once ) I will no longer be doing business with Rushcard. 

Thank you for listening.
On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.
I keep receiving calls at my work cell ( never gave this number ) and my personal number during working hours about some debt that was already settled back in 2015. They keep calling and harrasing
Following are the relevant facts : 1. I am a member of Trans Union credit bureau, on a monthly fee basis, so that I can check my credit score and credit report. 
2. Trans Union reports my XXXX XXXX account ( A/C # XXXX ) as delinquent, 30-day late. I consider it incorrect, since my account was paid off in XXXX XXXX and it was closed with a XXXX balance. 
( HOW CAN I BE DELINQUENT ON AN ACCOUNT, WHICH WAS FULLY PAID OFF, WITH A XXXX BALANCE, MORE THAN SIX YEARS AGO AND ON WHICH I OWE NOTHING? ) 3. Trans Union 's reasoning is that they report it 30-day late, delinquent, since the creditor, XXXX XXXX, reports it as such. They claim that they are unable to change the reporting made by the creditor. 
4. XXXX informs me that the account is reported as 30-day late, since it was LATE in XXXX XXXX. They will not take any action on it since it is a closed account and they do not take any action on the closed accounts. 
5. Upon my request, XXXX XXXX has sent me two letters : ( 1 ) One showing the payment history, on my account, closed in XXXX XXXX, showing the " LATE '' payment before the account was closed. 
( 2 ) A letter showing : the dates when the account was opened, XXXX/XXXX/XXXX, when the last payment was made, XXXX/XXXX/XXXX and the current balance, {$0.00}. 
6. Trans Union and XXXX XXXX both understand that I owe nothing to XXXX, after the account was paid off in XXXX XXXX. 
7. My dilemma is that I owe nothing, yet I am reported " delinquent '', for an account that was fully paid off, with a XXXX balance, more than six year ago. Trans Union and XXXX XXXX are both locked in their own bureaucracies and will do nothing about it, while my credit suffers, as being INCORRECTLY reported : " DELINQUENT ''. 

I DEFINITELY NEED HELP, BECAUSE NEITHER ONE OF THESE XXXX BUREAUCRACIES WILL TAKE ANY ACTION, TO DO IT RIGHT BY ME.
On my Experian Credit report there is an account that exceeds the 7 year time frame for reporting. XXXX XXXX XXXX first went delinquent per my credit report on XX/XX/XXXX and therefore should have been deleted effectiveXX/XX/XXXX and is still on there. This should be deleted effective immediately
Attached is the document filed with the Police dept, Last year I had Thief in my bank account and some one tried to take out a XXXX card. 

Police reports, XXXX XXXX and documents concerning this matter was Faxed to all three credit reporting agencies. 

I have also spoken with all three agencies personal about this matter. 

Yet, Experian, XXXX and XXXX continue to sell my personal information to marketers and promotion. I have OPTED-OUT with all agencies. 

I shouldn't have to do this every year, All three agencies have allowed access to my credit reports from any one. I haven't signed any consent to have my Credit report viewed by ANY COMPANIES in the past since the Thief in my accounts. 

The credit reporting agencies are TOTALLY responsible for the THIEF in my bank accounts and the damage that Ive had occurred. The time and effort that I had to go threw to straighten out the damage that could have been done to my Finance.

The credit reporting agencies have continued to ILLEGALLY sell my personal information and supply my this to companies without my consent.

The credit reporting agencies expect me to pay them to protect my personal information and make additional monies on me Its not enough that they sell my personal information now they want me to pay them to secure this data. 

The credit agencies have gotten away with having their data base access and not taking responsibility for this bad behavior. After the damage has been done they still continue to get away with this Illegal action and make money on the consumer. 

The credit reporting agencies should OPT me out of all marketing and promotion. I have done this in the past and shouldn't have to do this every year. 

The credit reporting agencies continue to put me and my personal finance in jeopardy, the only people that should have access to my personal credit should be my creditors. And who ever I give consent to and I haven't done that at all. 

The credit reporting agencies are responsible for the THIEF in my account, I should have a list of all the marketing agencies that my personal information have been sold to and hand over that list to the Police to continue their investigation.
I opened a savings account XX/XX/XXXX for {$25.00}. They said if I had {$100.00} in the account in 3 months I would not be charged the {$4.00} fee. I had {$100.00} in on XXXX XXXX, and on XXXX XXXX they charged the fee. If they do this on me, how many others are being cheated each month. I would like the looked into.
Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX   balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action. 
For yet XXXX last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.