WillisBack/dataset-financial-user-claim huggingface dataset:
The problem began in XX/XX/2017 when the Escro amounts changed in my monthly payments. It was found that there was an Escro shortage. I was given the option to spread out the amount of Escro shortage over 12 months. Changing my monthly payments from {$990.00} to {$1000.00} due in XX/XX/2017 and then {$1000.00} for the remainder of the shortage. NationStar AKA " Mr. Cooper '', recieved and cashed my check on XX/XX/2017 for {$1000.00} as per new agreement. The Nation Star then decided to attempt to pay the full shortage for {$310.00} causing the principle and interest amount to be $ XXXX.Because they did not follow the agreement to spread it out over 12 months, it created a shortage in the payment, causing it to not be able to be applied. The payment not being applied caused me to send another check for {$990.00} on XX/XX/XXXX to cover the payment for XXXX. This caused for {$750.00} to be left un-applied. I then made another payment XX/XX/2017 for {$1000.00} as per the new agreement to pay for the new Escro shortage. On XX/XX/2017 I was forced to issue a stop payment for a check that was cleared on XX/XX/XXXX that was never applied to my account. I was reported late on my credit report for every one of those payments, as a 30-day late payment. This is the reason for my complaint, because payment history shows that I was not at fault. Unfortunatley, these errors are negatively affecting my credit and ability to refinance this loan.
Wells fargo has made decisions to deny me approval for credit based on identity theft and fraud on my credit report they were not fair to make another decision and the credit card under writing dept based the decisions on incorrect information on my credit. I informed them numerous times i feel like wells fargo has treated me unfairly as a consumer and the decision to decline was prejudice and not fair based on information they used that was incorrect. I fiiled complaint with attorney general. As well and fair credit act reporting agency.
The Discover Bank sold me ( and thousands others ) a checking product called their " Cashback Checking '' account. The primary selling points of this account was called XX/XX/XXXX. The account holder would earn XXXX cents for each of the following transactions ; a cleared check, an online bill payment, or a debit card transaction. These selling points were the reason I opened the account in the first place. 

In the last month or so, I started receiving correspondence from Discover Bank that they were restructuring the Cashback Rewards program. The letters and emails read that they would pay 1 % cashback on debit card purchases instead of XXXX cents per transaction. Just yesterday I received an email stating in the fine print that not only were they changing the debit card portion, but the entire XX/XX/XXXX program will be discontinued beginning XX/XX/XXXX. I will no longer earn a dime when I write a check or do an online bill payment. 

I am furious at Discover Bank for pulling a bait and switch on me. They tout their new program as better because it has a higher monthly rewards cap of {$30.00} instead of {$10.00}. I do n't care about that. With the way I 've structured my spending, this change will greatly work to my detriment in the rewards I earn. They are fundamentally changing terms of what I agreed to. 

I called Discover Bank customer service to voice my complaints and find out if I could opt out of the new program and keep the terms I agreed to. They thanked me for calling and said they would file my complaint.
battling ID theft for over 7 years seems like its getting no where all the banks are deny me b/c of my ID theft sent over ftc and police reports from XXXX and XXXX county
I was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )
Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated.
my wallet was stolen XXXX and now I think thieves are opening accounts with my information because I am having trouble check my credit report. please help
My name is XXXX XXXX. I had recently started an account with an initial amount of {$1600.00} with Wells Fargo in XXXX XXXX Idaho. My mother XXXX XXXX had sent funds into the account in order to help me with my businesses I have been preparing to open. Since my businesses are going to be involving public, private, government, and military products and services designed for there benefit and increased effectiveness, efficiency, and more. I have been starting the process of documenting and cataloging every asspect of my day to day interactions. in doing so I have taken screen shots ( pictures ) of my Wells Fargo accounts as well as the Accounts I have access to. For example, my XXXX account that is attached to both my authorized Wells Fargo account and the unauthorized account that Wells Fargo had set up with money in the amount of {$300.00} inside at the time of the disappearance of the account along with the {$300.00} of mine that they had transferred into it. I had begun to stop depositing most of my money into Wells Fargo once I had noticed problems start to occur with the accounts. I had unauthorized creation of accounts, unauthorized transfers, unauthorized purchases of products/services, and fees incurred for these unauthorized actions, as well as, at least XXXX or more over draft fees from my initial account. 
I have contacted Wells Fargo in regards to this matter and have been lied to by them about any effort from them being made to help resolve this matter. In fact, it seems the only effort they have made was to try and cover the tracks they made in illegal actions and to make matters worse for me to have my accounts abuse resolved. I had contacted them to file a claim and have my accounts investigated. I was then contacted by the executive department and was told that my case had been created with the joint case number issued for the reimbursement to all the customers that had been victimized by Wells Fargo. 
Today I had been informed that my Wells Fargo accounts have been closed and that my mother had somehow been set as the primary account holder to my account. My mother insists that she had not set up any of the accounts and has no knowledge of the issues involving my accounts until i had informed her of them. My mother has closed her accounts since then and has refused to use any Wells Fargo products and services. 
However, once she had closed her accounts with Wells Fargo. My account was closed as well. the reason being that Wells Fargo had changed or failed to have me set as the primary account holder of my own account that I had personally set up at the Wells Fargo branch in Post Falls Idaho. 
So, now I am left with the theft of my identity, money and involvement of my family in this embarrassment of a combination of violations to myself and others has set back my life, XXXX XXXX XXXX, business, and work. All of this is not helped by the fact that i have been helping friends and family while dealing with the health issues of the XXXX I have been trying to getting rid of. I know life is not easy and I do n't not expect nor want pity. However, I do demand people to try to treat each other properly and despise lies.
The law offices of Arnold Scott Harris ( XXXX ) continue to robo-call demanding that I call them at XXXX re the debt. I actually called them back after the XXXX robo-call as I was concerned about the call. I unfortunately provided personal information to the office and the person I spoke w/could not find any debt attributed to me and promised that I would be removed from their list. I received another robo-call on XXXX/XXXX/15 and have received several others prior to this date. Please make them stop with the robo-calls!
I was advised by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, that there was suspicious activity on an XXXX XXXX XXXX MasterCard opened in my name. The account was opened fraudulently on or about XX/XX/2018 in XXXX XXXX, FL, probably in an XXXX XXXX store. 
I called XXXX immediately XX/XX/2018, on receiving their letter and spoke to XXXX ( ID # XXXX ) in their Account Protections department. He agreed to terminate the card and set aside the {$490.00} charges made on the account. He said he would send me a " Statement of Fraud Forgery '' affidavit form to complete and return. Not received as yet. 
I filed an Identity Theft Report, number XXXX. 
I filed a report with the local police I placed a 90 day Fraud Alert with credit bureaus on XX/XX/XXXX I mailed a " Disputed Account - Notice to Furnisher '' letter to XXXX on XX/XX/XXXX. 
I filed a dispute request with XXXX  on XX/XX/XXXX. Only Credit Bureau showing account so far.
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ),
I was inadvertently signed up for paypal credit. I received no invoices or billing statements until I received a phone call stating there was a balance due. I was told PayPal credit was separate from PayPal that I used on rare occasions. Having no knowledge of signing up for a PayPal Credit account. I asked the call to immediately close the account! I asked for proof of the charges and was told they could not give them to me. I informed the caller that without proof I would not make any payment. I was later able to confirm I made a purchase on eBay and after about a month finally obtained some records from Paypal Credit showing interest and late charges. I paid the original purchase amount, they waved some but not all charges. I still disputed the remaining charges but the telephone representative refused to give me an email or snail mail address. I was able to look up on line the snail mail address and sent a letter. Several weeks later I received a form email stating they received my dispute but provided nothing further than " it will be reflected in your billing ''. The billing never changed and they did nothing. Further calls escalated to supervisors we either " dropped '' or " nothing could be done ''. 
I will not be paying the {$54.00} current balance but wish to keep my good credit rating.
Because of an illness, I recently contacted  Navient on  or around   XXXX   XXXX   XXXX     to defer my student loans until I regained my health. During that phone call, without my knowledge,  Navient tra nsferred me to a third-party company. Somehow this third-party company gained access to my personal and financial records without my consent. Soon after, this third-party company fraudulently took out funds from my bank account, which required me to submit a claim to the bank and change my account information. I called  Navient on n umerous occasions in order to inquire about this problem and each time was told a supervisor would call me back. However, no one ever did. Finally, on   XXXX   XXXX   XXXX    , I called  Navient to co mplain about the fact that no supervisor ever got back to me. The next day I received a call from   XXXX   XXXX  , a lawyer who represents  Navient. Duri ng that phone call,   XXXX   XXXX   discussed my complaints in a belligerent manner. He also questioned the legitimacy of my and my son 's answers to his inquires. He told me that he would verify my statements with the company 's phone records, but then, a few days later, he told me that he could only access records as far back as   XXXX   XXXX   XXXX    , which is well after the date in which the fraud took place. At the end of our conversation, he told me that the burden of proof fell on me. I would like to know how my personal financial records ended up with a third-party company and whether or not I should take legal steps agai nst Navient for t heir actions.
Our company, XXXX XXXX XXXX XXXX, made a complaint in regards to this mortgage on XX/XX/XXXX, Thursday, and we were quickly given a response back from CFPB that Ditech did not have us listed as an authorized 3rd party, which is strange seeing that we have been communicating with Ditech since XX/XX/XXXX. I called Ditech today and confirmed that we are and since XXXX, have been an authorized 3rd party. 

In XXXX XXXX XXXX and XXXX XXXX received a cancellation of debt discharge from Ditech. Their mortgage was forgiven. XXXX XXXX was involved in several lawsuits for shady loan practices and Ditech is now new owner of those loans. In XXXX Ditech issued a discharge of the mortgage debt and sent XXXX 's to XXXX and XXXX, however never sent discharges to the registry of deeds which is REQUIRED by law in Massachusetts to occur within 45 days of the forgiven debt. Per Mass.  G.L. c.184, 17B Mortgages must be discharged within 45 days of receipt of full loan payoff by recording and furnishing a copy of the discharge with corresponding recording information or providing a proper discharge to the per-son paying off the loan. They received full loan payoff on XX/XX/XXXX, which means a discharge should have been recorded by XX/XX/XXXX of XXXX. That never happened. XXXX and XXXX are trying to sell their home. When title was pulled the mortgage was still on title. When we called to find out why a discharge was never recorded, we were told that the debt was still due. Both XXXX and XXXX had to pay taxes on this forgiven debt in XXXX, so for Ditech to say the loan is still due makes no sense. When we pushed further, they sent us a new XXXX with no information on it.
ocwen is my mortgage company that is not my primary. they are the worst!!! this complaint is that when i moved they did not forward my change of address, so by the time i realized my ins had double, it was 3 months in. i found new company for ins and returned the balance insted of putting it to escrows they applied to other payments. i had made a call telling them i wanted it to go to escrows because then the payments would go back to normal. they did not i have been fighting with them since XX/XX/XXXX and now this is hurting my credit. i have a man named XXXX XXXX fromocwen who is suppose to be my consular, he agrees with me that that would have been the correct way of handling the return of ins. he was suppose to make them do that and get back to me. i have called and left a number of messages and he has not called me back.
I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.
XXXX, in relation to Telecheck, sent me a letter ( to my home address ), related to a purchase from an XXXX seller for XXXX. Apparently the EFT or check ( bearing check number XXXX ), was written on a closed account at XXXX XXXX  XXXX XXXX. All they would tell me was that it was an account ending in XXXX. They refused to provide any further information. A call to that bank indicated no accounts existed in my name in the past 12 months -- they had no information on this account. XXXX   asked for my License number and SSN, as well as other identifying information -- eventually they told me they required this information to investigate, though they refused to provide information to me about the account. For all I know they are a phishing scam hiding behind a collection business. I do not use use accounts like this to order online, I did not order form XXXX XX/XX/18 as alleged, and I can not investigate further. I have filed with the FTC regarding this issue.
The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX Address to Second Address to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXX, et seq and under Common Law basis XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.
I have tried to resolve this matter with the original creditor XXXX XXXX XXXX XXXX and AR Resources who is collecting on behalf of the creditor at the time of service I had 2 health care insurances and the hospital did not bill correctly. Upon receiving the bill in the mail I called to provided XXXX XXXX  with copies of my insurance cards they refused to bill insurance due to being a car accident.I was hung up on talk to condescending but the representatives and flat out lied to saying that it will be taking care of and I would not receive any more calls. After several unsuccessful attempts to have issue resolved. I than had my lawyer contact them requesting all bills to be sent directly to him. ( I have copies of the letter from my attorney XXXX XXXX dated XXXX/XXXX/XXXX ) They have ignored his request as well. The account was than referred to AR Resources I was contacted by them an explained the situation the agent refused to bill my insurance and states that the time frame has passed and I would have to pay the money myself. I than called my insurance company who states that there was no time frame for the bill that XXXX XXXX did not send an itemized billing statement so that they may pay they requested that they send one and the bill will be paid. AR Resources on half of XXXX XXXX has refused to resolve this matter