WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX I received an notification via e-mail from XXXX letting me know that there was unauthorized use of my account, to change my password. ( Which I did right away ). There was a purchase made for a {$9.00} XXXX and {$140.00} shipping. 
On this very day I called my bank Chase, and made a claim to have my funds returned to me {$150.00}. Chase Bank soon gave me a temporary credit of {$150.00} while they did their investigation on XX/XX/XXXX A month later, I noticed on my bank account that there was a claim reversal for the same amount. I called my bank, and they had informed me that my claim had been denied, stating that my XXXX account ( where the funds were drawn through ) had sent a letter to my bank XXXX stating that this transaction was a valid one, that they would be able to re-open the claim if I was able to send proof that this transaction was not made by me. 

I faxed over the email from XXXX of the unauthorized use of my account, my XXXX XXXX where it shows that there was no transaction on such dates, the notification from XXXX where they had removed the Merchant from which this item was supposedly purchased from. Chase made me wait 3-5 business days before I could get an answer on my new claim. I called back on XX/XX/XXXX and Chase had informed me that my claim had been denied again, because there was a tracking number from the merchant where it said that the item had been delivered on XX/XX/XXXX, this is not the case. I never received any merchandise from XXXX or their third part sellers.
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX  credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX
Our loan is serviced by Ocwen. We inquired about a payoff amount in XXXX. When we received the payoff amount in addition to the principal amount due it included over {$16000.00} in an interest arrearage. This {$16000.00} was kind of hidden. We did do a forbearance on our loan back in XX/XX/XXXX which did alter/increase our payments for a period of time ( about a year ). The loan was transferred or sold sometime after that. We have asked Ocwen on many occasions since XX/XX/XXXX to provide documentation of an agreement to pay this additional interest they are adding on our payoff. They keep putting us off saying that they are opening a research request and then the issue went to an Escalation Manager who is also continuing to " research '' the issue. As of now they still have not provided any documentation saying that we would be charged this additional interest. We have been sent a Balloon payment notice saying that our entire loan is due and payable in XXXX, XXXX. They are trying to force us to pay this additional interest that we have not ever agreed to pay and do not feel that we owe them.
My FICO score dropped drastically for no apparent reason. My FICO scores changed as follows : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 102 points ), XX/XX/XXXX = XXXX. <P/>These FICO scores were obtained free-of-charge through my XXXX account. After some investigation, I found that the FICO score is based on the TransUnion credit score. I checked the TransUnion score on XXXX XXXX and, sure enough, it dropped during the same time period. XXXX XXXX reported the following for my TransUnion scores : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 61 points ), XX/XX/XXXX = XXXX. <P/>I ordered a copy of my TransUnion credit report and can find no reason for the sudden drop in XX/XX/XXXX. I called TranUnion for an explanation but the person that I spoke to ( XXXX ) simply repeated that I would have to go back to the company that reported the negative information. I stated that there IS NO negative information based on your own report. She repeated the same answer several times as we went back and forth with this. I finally asked to speak to a supervisor. After being on hold for approximately five minutes, she came back on the line only to say that all the supervisors are in a meeting and she ould have one call me back. She confirmed my contact information and we ended the call. I have not yet received a call back from a TransUnion supervisor. <P/>I want to know why TransUnion dropped my score so drastically ( subsequently affecting my FICO score ) when there is no derogatory information on my credit report. I worked very hard to get my score where it was and I 'm looking for an explanation. If it is based on some credit behavior of mine, it is most definitely not apparent what that behavior was since there has been NO derogatory behavior on my report in the last five years! <P/>I will provide my full TransUnion credit report ( dated XX/XX/XXXX ) upon request ; I 'm not comfortable submitting it through the web portal.
We purchased our home in XX/XX/XXXX. We were not sent a copy of our owners title insurance policy. I called the title insurance company for a copy and was told that she would work with the current title company in every way but never said anything else about me getting a copy. Now she wants to only give an indemnification letter not a copy of the policy. We are trying to refinance and have learned that the liens on the house are still outstanding. Liens to be satisfied at the time of closing. None have been released. The title company that closed on our loan is out of business and she is now working for another company and acts like its not her problem when she has the canceled checks showing where the liens were taken care of, Without a policy number I ca n't even submit a claim and am being stonewalled on all sides, ( the builder got in trouble and vendor liens were placed on the house, We knew this going in and were told it would be no problem. XXXX of the vendors said he did not get paid. Even the attorney of record is not available for me. Said she would not have any papers pertaining to our loan. I also checked out the title company that did the closing and she had not had an active business license in the state of XXXX since XX/XX/XXXX. Yet she closed my loan in XX/XX/XXXX. She now works for another title company as senior underwriter and told me I ca n't be calling her. She says my files are in XXXX and she ca n't get to them and her computer has crashed. 
What recourse do I have available to me? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX can fax you anything you need, I ca n't email at this time. 

Thank you, XXXX
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties, THEY are responsible for, up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement
I was charged and " Annual Membership Fee '' of {$95.00}. 

I do n't understand why I should have to pay this.
I ordered a XXXX XXXX for {$2000.00} on XX/XX/XXXX. Since I opted for 18 month interest free option, XXXX set up the payments through Paypal Credit. Contrary to other financial and credit card companies, the management and payment was totally unconventional and difficult due to the following issues:1. PayPal would not send me statements in the mail - the normal way I schedule and pay my bills, even after repeated requests. The statements would be by email, which gets delivered or sometimes into spam folder. From the email, I have to go to the website to schedule a payment. 
2. I spoke to PayPal representatives and requested that payments be taken monthly from my bank account and gave the details as well. Some payments were taken, but on other occasions PayPal did not bother to take the payment, but just charged a late fee to my account. 
3. After several attempts to correct this, I paid off my credit balance ( {$1400.00} ) on XX/XX/XXXX and disputed the late fees. I find that the total fees charged were {$130.00}, of which {$70.00} was credited. 
4. I requested to have the rest credited as well. Paypal wanted to send the request by mail or fax, so I wrote a letter and faxed it to them. While waiting for the decision, Paypal started charging late fees for the disputed late fees. 
5. I called the company and told them that this amounts are in dispute and I will not be paying these. Also asked them to close the account and send it to collections. The representative responded by stating that they have the right to charge as long as they want and decide when to send to collections. My request to speak to a manager was denied. 
Now I find that they emailed another statement with additional late charges and interest charges. So the charges are increasing every month from original amount of {$60.00} to {$130.00} currently. 
This situation is totally unacceptable and I dispute these charges.
XXXX XXXX XXXX has been trying to get me to pay on debt that is out dated and that has been charged off on my credit. They have been trying to collect on old debt from year ago and now they are making threats to garnish my wages from my job and they have been calling me at work. I do not think this company has a license to collect in the state of XXXX. They continue to harass me with daily calls about old debt that was charged off. Something needs to be done about this company. 

MCM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
I have multiple inquiries on my credit on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX   XXXX  i contacted credit bureau to remove unauthorized inquires ... stated i need to call original creditor ... contacted orginal creditors who all stated they have no account or information pertaining to me ... called bureau back to inform what creditor states and they still havent removed these unauthorized inquiries as i requested certified mail and via phone several times ... i am very frustated with this situation these are unauthorized inquiries
We wrote to your agency in the past and the File was Closed then a Survey was ask to rate what happened. The Should not have been closed as we went to Court with Ford and Ford 's Attorney Withdrew the Complaint and Fails to comply with correcting our Credit Reports and sending us our Title. The Motor Company had ruined our Credit for ten years or posting and payment error presented in court. When it came Court Decision time Ford Withdrew their Complaint and Refuses to Correct our Credit Bureau Reports and send the Vehicle Title.
never received a collection notice on account being reported to my credit report, found out about collection account from pulling credit report, This collection company is in violation of the FDCRA 15 U.S. Code 1692g - Validation of debts This company has not sent the required information to me, 1 ) the right to dispute 2 ) who is the original creditor there address amount claiming I owe and any supporting documents, If they don't remove the unverified account and there trade line name from my credit report, I will file an affidavit in court for the violation, and request that CFPB, investigate the company for illegal collection activity and violations of FDCRA,
The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously.

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX
I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but experian will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
All the issues on my credit report have been taken care of and they still show on my report. I have no outstanding debts or judgements! They still show on my report and also show that I am applying for credit which I am not. I have closing statements and escrow that can send for evidence.
In reviewing my credit report in XX/XX/2018, I learned a company, XXXX XXXX XXXX, had reported a debt in XX/XX/2018 and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and USPS returned the mail undeliverable. I submitted online disputes with Transunion and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for XXXX XXXX and have never received any response. I sent letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 to XXXX. The online disputes were submitted to the credit report agencies during that time and again recently. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by XXXX to contact me.
I have had a very difficult time with OCWEN. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives. We are over out hardship and can afford our mortgage. 

Ocwen has denied us stating they can not lower our payment by 25 %. This sounds like fraud to me, when does anyone get their mortgage reduced by 25 %! We are NOT asking to lower our mortgage payment. We are simply asking to get back to current.
Bought a prepaid visa card at the local supermarket. Card was compromised and US Bank reps ( phone # on card ) are indefinitely delaying a fraud investigation ( 60 days so f ar ).
To whom it may concern : I am writing to address the overdue balance I currently have on my Heloc loan with Santander bank. I had an Heloc loan with Santander in this past in which I paid off in good standings so I have decided to use them again.
I have been faithful in making all my payments on time. I make all my payments online when I receive my statement by mail. Im on a very strict budget with my bills and cost of living. There are no branches located here in XXXX. However, When I moved to XXXX from XXXX XXXX I updated my address with customer service department of Santander. I never received any of my statement to my new address and due to an error on their part. When I called Customer service in XXXX of 2017 their response was that they were missing information on the new address but never call to notify me until I called them on not receiving my billing statement in which we realize at same time that my account has been and currently is locked. At this point I realize that have a different payment amount and it is more than doubled on what I have paid in the past and they are calling me daily on when i going to pay the arrears on the loan.
I have been in contact with the bank several times on this issue and the statements and delinquency letters are still going to the old address at this very moment. I was told by a representative that I had to correct this issue with the branch where I open the account. I have even tried asking them for help by modifying the loan for an easier payment but I was denied.
Although I have made payments towards my loan but because of the new payment amount which is more than doubled along with late fees and penalties because of an error on their part has made it very difficult to catch it up. I cant afford to pay the entire bill at one time. Santander has done nothing to rectify their negligence but compound the problem by destroying my credit history to the credit bureaus and gather more information toward collecting the debt owed.
I have requested verification and validation per my right under the FDCPA section 809 a and b. This company refuses to provide. This is not my debt and I demand proof of this debt. This company has also continued to report a disputed debt on my credit report. Last four of my ssn are XXXX and date of birth XX/XX/1988. Please submit proof that this is my debt
Offices of XXXX contacted me via phone and told me I owed money on a credit card I know nothing about. The person I spoke with name is XXXX XXXX and he was very rude and unprofessional in his attempted to collect this supposed debit I owe. I inquired about the card and just tried to understand what was going on but he really did n't want to hear anything I was asking about nor did he send me any documents in the mail prior to or after we spoke to prove I actually owed this debit. I have received and currently am still receive abusive threatening messages from processers saying all sorts of derogatory things. Due to the first message I received stating they would come to my place of work and serve me and the fact that I really did n't want any issues financially I paid XXXX on the spot and was told I could set up a payment plan for the rest of this money I allegedly owed. The payment plan was told to me on the phone and then I was told for it to be valid I would be sent a copy of the payment plan to my email in a few days and would have to sign, authorize and send back to them through email. I had n't received anything in a few days so I called back and left a message saying I never received anything to my email. About a day or XXXX later I got a phone call from XXXX XXXX and he then told me he had sent it again. I checked my email and it was there this time. I never signed it printed the emailed contract and decided to take this to and attorney and see what were my rights when it came to all of this. I also pulled my credit report took that with me as well to the legal offices on post, and this card from Household bank I am allegedly owing is not on there. I then sought out and attorney through the XXXX due to the fact I am currently a XXXX at XXXX XXXX, KY. The first payment was supposed to be made XXXX XXXX according to the emailed contract they sent me but once again never signed and sent it back to them authorizing this but Offices of XXXX took it upon there selves to take that payment anyway. The attorney sent Offices of XXXX a letter, notifying them I now had representation and they were to only contact my lawyer not me directly anymore. Unfortunately they failed to do so braking the law by trying to contact me after the letter was sent also left another threatening fortuitous message, that I also saved. I am in no way opposed to paying this debit if it truly mine but I was not given any proof except XXXX XXXX stating that my social was attached to this card and it means nothing. There is so much fraud and stealing of individuals socials and identity theft I only want to be sure before I pay another persons debit, and by law I have that right. I would like for this to be investigated, my money returned and no longer harassed by this company or its processors. I look forward to hearing from you. Thank you
My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX  and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees XXXXas well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you XXXX XXXX
Submitted a completed package to PENNYMAC for a loan modification including a letter of authorization on XXXX/XXXX/15 at XXXX EST. The Letter of Authorization was included as part of their Standard modification package and was also sent separately as a unique, one-page document. As of XXXX XXXX, the authorization had still not been uploaded or cleared by PennyMac 's legal department. I phoned PennyMac that day and they said they woulod escalate the matter, and the issue would be resolved by end of day. Today, XXXX XXXX, again, it still has not been cleared and my client is being denied a trained housing advocate. It should not take more than 48 hours. It has been over one week and there is no good reason for this.
Address added to my credit report XXXX XXXX, GA XXXX is NOT my address, this is inaccurate