WillisBack/dataset-financial-user-claim huggingface dataset:
For the past 3 years Caliber Home Loans states that we have not paid our taxes and they have received tax bills from our XXXX XXXX XXXX to pay the back taxes. They claim that they have paid the tax bills ( that we have already paid and have provided them receipts for ) and in turn bill us for the amount of about {$4800.00}. They have added the {$4800.00} to my Escrow account and are demanding that we pay an extra $ 300+ monthly. I have disputed this issue with them in the past and I want it to stop and I also would like to be refunded all of the extra taxes that we have overpaid to them. 
My mortgage company Caliber Homes Loans are charging me for taxes that I 've paid in the past by adding them to my Escrow account. I have provided them proof of the taxes that I 've paid ( which is the amounts they say I owe. 

I 've been having major issues with mortgage company Caliber Home Loans trying to get an honest answer as to why they are charging me for taxes that I 've proven to them that I 've paid in the past. Whenever I call them for a response to the " case '' they opened over 2 months ago to research the tax issue, I constantly get the run around. I 've had customer service reps say they are going to transfer me to their tax department or to speak to supervisors just to have them hang up on me. I 've heard different stories as to why they are making me pay more for my Escrow. XXXX of the stories that I 've heard if that that when I remodified, Caliber did not process my modification correctly which caused me to be between {$3000.00} to {$4000.00} negative in my Escrow account. I think that if they made the mistake they should try to rectify it by modifying the modification, not charging me for their mistake and or charging me for taxes that I 've proven to them that I 've paid. 
I 've contact both XXXX XXXX and XXXX County regarding the taxes to see if Caliber has opened a " Case '' regarding the taxes that I supposed owe. I was advised by both XXXX County and XXXX XXXX that no case has been opened with them to resolve this issue. When I spoke to the XXXX County Treasurer they advised me that once Caliber Homes sends them copies of the cancelled checks for the taxes they paid, they will then start investigating and refund me any tax overages. I 've relayed this message to Caliber Homes and they have yet to provide the cancelled checks to me or the XXXX County Treasurer. 
I am concerned because my husband and I can not afford to pay the extra $ 300+ a month that Caliber is forcing me to pay for something that I am not responsible for. We honestly do n't know how to get this issue resolved because no one at Caliber Homes is helping to resolve this issue. 

XXXX XXXX ID XXXX opened with XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX. 
Spoke with XXXX with XXXX XXXX on XX/XX/XXXX and he advised me that he will make sure I receive copies of the cancelled checks for tax payments from Caliber that from XXXX XXXX XXXX XXXX disbursed in XX/XX/XXXX. It has been over three months and this issue has yet to be resolved and no one from XXXX XXXX or Caliber has contacted me via email, phone, or mail.
To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and Lending Club Corporation with {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXXXXXX XXXX XXXX XXXX, and Lending Club Corporation that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation run inquiries, bearing my wet signature, XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX in regards to removing unauthorized hard inquiries from my credit report. These inquiries have negatively affected me from obtaining items, such as credit cards and lines of credit. I did not authorize my credit report to be pulled by the following companies ( the dates are included as well ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX )  XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have yet to get a response from Equifax about this matter.
XX/XX/2017 I notice I had a XXXX balance in my account, I called the state employees credit Union, they said they withdrew money because they received a faxed notice of garnishments from NC department revenue for delinquent taxes. I asked them to send me a copy of the notice of garnishment that was faxed to them, they said they couldnt because it was a legal document ; I thought it was obscured because it contained my personal information, I had a right to have it The state employees credit did not have the legal authority to withdraw money from my account without a court order 26 U.S.C. section 6332 3 ( C ) banks shall surrender subject to an attachment or execution under judicial process, according to NC General statues states A tax collector Must file the appropriate documents in General Court of Justice of the county in which the garnishee resides for a judgment before any garnishment can commence. GS 105-368 ( 5 ) ( D ) .the state Employee Credit Union owns its highest duty to its depositors with whom it has a contractual and fiduciary duty ; Im sure No evidence was presented, just a faxed notice garnishment stating that I owed The credit unions refusal to send me the faxed notice of garnishments they received from department of revenue, leads me to believe that fraud has transpired ; they concealing something unlawful, States Employees credit withdrawn {$1100.00} from my account XX/XX/2017 for an allege tax debt, Im requesting an refund, theirs no rule of law that they can provide, that supports there unethical business practice
I went a mortgage broker that I had previously work with to request for a preapprvoal for a purchase on my primary home. He is now working at Chase Bank. The initial process went fine without a hitch. However, the loan is now held up with their XXXX in XXXX, FL. No one is getting back to me on when my loan documents will be at Escrow for closing. My purchase is now out of contract and possibly I may lose my house.
On XX/XX/18 I deposited approximately {$30.00} in loose change at the Bank of America branch at XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX as the Bank had suggested I do in the past as they explained that they accept responsibility for accurately counting the change and crediting my account with the correct total in a week or less. While this worked correctly on two prior occasions, on this occasion, the Bank has still not credited my account for the deposit after 12 business days and despite emailing the CEO, XXXX XXXX XXXX to request assistance on XX/XX/18, I have not received any response to date.
First data merchant keeps reporting an account that was open as an identity theft. I have made several phones call to them to let them know that this account doesnt belong to me. I have never owed a company or business, i have never signed any agrement with them. On XXXX I received an email from an employee named XXXX XXXX , telling me that in order for them to complete the investigation, I would have to send the dispute forms, copy of my driver license, and XXXX blank papers with my signature on it. I sent everything except the XXXX blanks papers because I told her that I didnt feel secure signing on blank sheets, but she insisted and told me that I was going to be responsible for the accounts if she didnt get them by the end of the month. I have copies of all these emails because I dont think its fair or legal for a company to ask a person to sign on a blank sheet and send it via email. I dont know what they will be using my signature for.
I 've been disputing this for 2 years now. I recently Pulled my credit and saw ALLY Financial is still on my Credit report for $ XXXX. I do not recall this debit, I sent XXXX different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. Ally is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.
Associated Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I was asked to vacate my apartment in XX/XX/2015 at XXXX XXXX at XXXX XXXX because the apartment manager allegedly found items in my apartment that went against the terms of the lease. I was never made aware of what those items were, not was i ever showed the pictures that the apartment manager claimed they took inside of my apartment. All of this was a result of my apartment being burglarized while I was home. I asked to move to a different building for my safety, two managers walked through the apartment with me and I passed an inspection to move out. After that, I was told they did an additional walk through and when asked what was found in my apartment that was causing me to be kicked out of my home, I was told you know whats in your apartment. After vacating the apartment I received a bill with a charge for early termination of lease for approx. {$2000.00}. But I DID NOT TERMINATE MY LEASE. I was asked to vacate within about two weeks for a reason that was never made aware to me. Because of this, I can not get a home of any kind with this amount on my credit report.
I am not the student, but rather the parent who signed for the loan for my daughter. My daughter started college in the  XX/XX/XXXX . At the time, we were told that loans would be paid off in 10 years, since each semester the monthly payment would increase in conjunction with the next semester 's tuition addition. My daughter graduated in  XX/XX/XXXX . That means that her l oans should have been paid off in   XX/XX/XXXX  . However, I am still making monthly payments and have been told that the loan was extended to 20 years. I have no paperwork to this effect, no can Navient provide me with a document in which I agreed to, or acknowledged, this change in loan terms. I am currently  XXXX   years old and  retired. Continuing to repay this loan is hurting my financially since I am on a fixed income. I do not believe this conditions of the loan were properly presented prior to my agreement to take it out.
I was issued a civil suit from MCM. I settled and made payment before hearing. They didnt contact the court house like they said i would. I payed the debt off, but on my credit score they still say i owe money and they payment amounts are wrong. I contacted them and they give me a number where i dont get any assistance.
I contacted  XXXX   XXXX , now Navient 10 years ago to make sure I was doing what I needed to do for Loan Forgiveness For  Public Service. I h ave worked full time in the school system and have made every payment. I was told 10 years ago that I was in the program because my loan is a Stafford Loan through FFELP. I thought all I had to do is make the 120 payments, remain employed and the loan would be forgiven. Now I am told that I was never in the program because I did n't consolidate into a Direct Loan. I consolidated in  XXXX  and until a month ago when an ombudsman said anyone in this program needed to consolidate in  XXXX  I had no idea. I do n't know if they just did n't know what they were doing or purposefully lead me not to move the loan because they would have lost the {$60000.00} I have already paid as well as the {$41000.00} remaining.
Portfolio Recovery Associates , LLC is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.
Someone applied for credit using my identity to buy a mattress which was delivered to a house that is not mine. After finding this on my credit report, I worked with XXXX XXXX fraud department ( XXXX XXXX purchased the debt ) and they concluded that I did not authorize this purchase. I have attached a copy of a letter from XXXX XXXX indicating that these charges were not authorized. 

As a result of their investigation, XXXX XXXX updated the credit agencies. These false accounts were removed from XXXX and XXXX ; however, they were not removed from my Experian Credit Report. 

I disputed these charges through Experians online dispute system. I was not allowed to upload an attachment to provide evidence. My dispute was denied ; however, I was not provided any evidence or rationale. 

I submitted a complaint to the Consumers Financial Protection Bureau ( Complaint Number XXXX ). XXXX XXXX once again confirmed that the debt was not mine ( see attachment ) and they re-sent letters to all 3 credit companies. 

Experian still has this fraudulent account on my report and it is preventing me from refinancing my student loan debt.
Years ago I was a victim of Identity Fraud. Someone tried to obtain credit cards under my name and social security number. The credit card company realized there was something strange about the request and the cards were never issued to the requester. The police in XXXX Ohio were contacted and checked the address on the application and it was a XXXX XXXX XXXX. I have NEVER lived in Ohio. I have lived at the same address in XXXX XXXX, MA since XXXX 1978. I would appreciate having that fraudulent address removed from my credit history. Thank you ... XXXX XXXX
On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.
I responded to an offer by Citibank to pay off my existing credit cards with a 0 % offer for 18 months. I responded and requested them to pay off XXXX credit cards with XXXX for a total of {$3800.00}. I submitted both requests in the mail. I was later informed that the offer expired sometime before they received my request or by the time they submitted it to XXXX. But they made the payments on my behalf however the interest rate would be 21.26 % instead of 0 %. I called and asked if the offer had expired then why transfer funds without giving me the option of accepting the 21.26 % or rejecting the transfer. There response was I should have submitted the transfer earlier. I did n't think that was a responsible way of dealing with credit and customers. Unfortunate for you Mr . Customer.
OnXX/XX/2017Equifax signed for the certified mail sent by me and has yet to correct the issue. I have had Identity Theft in the past and mailed out a Police Report, Notarized FTC Identity Theft Report three times.  By FCRA 605B (15 U.S.C 1681c-2) Equifax has four business days to block the alleged Identity Theft information. XXXX  and XXXX verified and blocked this information within 4 business days but Equifax has yet to do it. I have called Equifax and talked to two supervisors, they both told me there was re-investigations going into my claims of Identity Theft and that they got my police report and FTC Identity Theft Report. I have attached the proof of Certified Mail being signed off by an Equifax Representative on XX/XX/2017I got no response from XX/XX/2017. Equifax got my police report and all the information needed to block this information by law. I have also attached the Police Report and FTC Report to this message.
Trans union credit reporting agency i disputed bankruptcy thats reporting on my credit but this company cant provide me with accurate information showing it my case. I receive information from the court stating that they dont report to the credit bureau. so how can they report information on a file with out proper documents per Fair Credit Reporting Act section 609 the bureau provide me with accurate information it must be remove
Myself, along with my mother, my father and husband were called repeatedly from " unknown '' and " No Caller ID '' numbers on XX/XX/XXXX around XXXX CST. A voicemail was left with each of us from a XXXX XXXX from The XXXX XXXX in California requesting that I call back immediately as I have a balance owed through their firm for a Fifth Third bank account that has been closed out years ago. I was told that I would be served papers on XX/XX/XXXX and that they would not stop until I paid them. My husband was threatened that they would serve me papers and continue calling until I paid the balance due. 

The woman my husband spoke to when returning the voicemail that was left had a horrible attitude when pressed about who she is, what company she works for and her contact information. He spoke to a woman who would not state her name, but said that her boss 's name is XXXX XXXX. 

This exact situation occurred XX/XX/XXXX from the same XXXX XXXX, but it was a firm working out of Texas. They threatened to serve me papers over an amount owed ( more than what the bank account closed out and settled for ). I asked for an email and contact information to send proof of the bank account being closed and I was hung up on and never called again. But now myself and my family are being harassed by these scammers again.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Unauthorized debits appeared on my checklng account as debit card transactions at JPMorgan Chase in the amounts of : {$350.00}, {$5.00}, and {$2.00}. 
I filed a fraud report via telephone with Chase customer service XXXX # on XX/XX/XXXX after visiting a branch to also report fraudulant activity on my debit card when my catd was cancelled and I received a replacement card. Chase issued a temporary credit on XX/XX/XXXX in the amount of {$11.00} while they researched my claim. 
Yesterday, XX/XX/XXXX I saw the charges has been reserved and contacted Chase via their Customer Support XXXX # once again. I spoke with 3 different representatives all of whom stated that they had verified that my card was in fact used for these transactions And was Chip verified. While my card was not lost or stolen, I adamantly believe that I am a victim of fraud. The descriptions of the 3 transactions were at a building on my college campus that does not have a vending or other sales terminal. I inquired with my school and they advised that they have no record of these transactions and advised me to contact my bank. 
Additionally, I was in class at the time of at least one transaction ( XX/XX/XXXX ) so it is impossible for me to have made the transaction. 
Today, I visited my local branch and spoke with a banker. He advised that the transactions were done at a street vendor. This makes no sense to me since I have not recently been to any street vendors. And, there are not ant street vendors near or around my campus. 
Chase continues to insist that these charges are not fraudulent because they were chip verified and my passcode was used which I find to be outrageous. 
They refuse to consider that someone perhaps stole my information thru a skimming device or similar.
XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$2800.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX DIPUTE {$2300.00}
I 'm not sure what this on is about, it may be from XXXX, they were over charging my account and I was supposed to have it taken off, that 's also the reason I left the cell phone company