WillisBack/dataset-financial-user-claim huggingface dataset:
Chase paid my insurance in XXXX XXXX and analyzed my escrow on XXXX XXXX. Afterwards, Chase escrow was set up ( not by me ) to pay insurance twice in XXXX and XXXX of XXXX. I have requested an new escrow analysis 3 times since XXXX XXXX, and as of XXXX XXXX, no analysis has taken place. My mortgage payment has therefore more than doubled. 

I sent my regular payment last week, and found on ( yet another ) escrow-related call Thursday that it had been applied not as a mortgage payment, but as a principle payment, and that my regular mortgage payment was listed as still due. While on the phone, the customer service rep said " while I have you on the phone, I 'll switch this from a principle payment to a regular payment. '' Yet when I called on Sunday to make sure that had been done, it had n't. 

Just this month, I have called : XXXX XXXX - XXXX said they would do an escrow analysis XXXX XXXX - XXXX refused to listen ; after several requests to speak to a manager I was switched to XXXX, who said they would do an escrow analysis and send me paperwork to remove my insurance from escrow, as I no longer trust Chase to handle this properly XXXX XXXX - XXXX XXXX said she would request an escrow analysis and switch the payment from principle to regular XXXX XXXX - the robo confirmed that the last analysis was in XXXX, had not been done any of the 3 times this month I requested it, and that the last payment was still marked as principle-only. I have also not received any paperwork to remove my insurance from escrow. 

I also sent a letter on XXXX XXXX regarding this debacle. On XXXX XXXX, XXXX confirmed they received it. I have had no other response.
I have a mortgage with Wells Fargo for my property at   XXXX   XXXX   XXXX    XXXX ., PA  XXXX . The loan number is  XXXX  and was originated in  XX/XX/XXXX . It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage.
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I have been paying consistently on this loan and expected that it would be satisfied in  XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until  XX/XX/XXXX .
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At the time of the loan origination Wells Fargo had a contractual relationship with   XXXX   XXXX   to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same.
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I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage.
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I have issued complaints to both parties
. Wells Fargo does not acknowledge any ownership in this. They believe   XXXX   XXXX    is at fault.   XXXX   XXXX   does not respond to the complaints. Wells Fargo has since severed their contractual relationship with   XXXX   XXXX   which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/> I will continue to file complaints until one or both of these parties provide the information that I am entitled to.
<P/>   XXXX   XXXX   XXXX
To whom it  may  concern, I mailed a Multiple  Inquiry  Re moval Letter  on  XXXX   XXXX ,   XXXX  , by certified mail in order to dispute information, in regards to 10 hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX  , and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. After this, another inquiry was made in  XXXX  and I called Transunion immediately and was told they could n't see it. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Have tried several times to get my credit report to dispute inaccurate information but company refuses to provide online access.
On XX/XX/2018 at approximately XXXX I was on the phone with a representative from Freedom Mortgage. The individual asked for my information and I provided it without hesitation. The next thing I tried to do is make a payment for my V.A. home loan, well the representative refused to take my payment. I kindly asked her why, she said we can't take your payment because it's now three behind. My response to her was I always make at least one payment to bring it back to two until I can catch it up. She than became rude and said again in an off tone manner " We can't take your payment ''. I let her know I am on a fixed income because I'm a XXXX veteran. Than I asked to be transferred to a floor manager which I than talked too. He wouldn't work with me either, he kept on insisting that they couldn't do nothing for me at that given time. Both the phone representative and the manager used bullying tactics on me to force me to make three payments totaling XXXX. I expressed too them I couldn't make this payment, so he kept on using bullying tactics by saying you signed the contract and it's your obligation to pay the loan. I than let him know that the loan was included into my chapter XXXX which was closed out in XX/XX/XXXX of this year. I suffer from XXXX and XXXX   which this situation almost put me into an attack. I called back thirty minutes later and another young lady worked with me and accepted my payment. I am filing this complaint because I was bullied and harassed by the members of FREEDOM MORTGAGE! I would like for the actions of these members be brought to light. I've been receiving nothing but harassment and bullying tactics every-time I try to make at least one payment. My rights as a customer were violated under certain protective laws and I hope this issue never happens again!
A Captial One credit card was taken out in my name in 2014 by my now estranged wife, this information was never given to me and I never agreed to or signed any document to open this line of credit. I have only now found out because she stopped making payments on the card after filing for divorce, someone told me she was bragging about having opened a card in my name and I checked my credit report to find it was in fact true. My wife does not even deny that she did this.
XXXX collection services inc keeps putting a collection account from XXXX from XXXX on my credit report. I do not owe this debt. XXXX owned the debt and removed it XXXX XXXX. Stating they do not have record of me ever having a XXXX account. 

XXXX never sent debt verification letters and XXXX does not have the right to collect under the claim of Minnesota Fair Debt Collection Practices Act XXXX LICENSING AND REGISTRATION. 

Subdivision XXXX. Requirement. Except as otherwise provided in this chapter, no person shall conduct within this state a collection agency or engage within this state in the business of collecting claims for others as defined in sections XXXX to XXXX, without having first applied for and obtained a collection agency license. A person acting under the authority of a collection agency, as a collector, must first register with the commissioner under this section. A registered collector may use XXXX additional assumed name only if the assumed name is registered with and approved by the commissioner.
identiy thef with  XXXX   XXXX  visa.purchase was made in newyork. and I  livein Puerto rico.file police report in Puerto rico.am ount of  XXXX  .need he lp.
Made a XXXX card payment on of {$3000.00} on the credit card that has a limit of {$5000.00} on XXXX XXXX. leaving {$1300.00} of debt still on it. The payment cleared the bank on XXXX XXXX and the XXXX card company did take it off my card balance but will not let me make any other purchases for 10 days until they say the payment has cleared or they can up my credit limit which I do not want to do. I talked to XXXX on XXXX XXXX in card management. And yet it cleared the bank on the XXXX electronically. Is this a ruse to up my credit line and use my money but yet not allowing me to use it?
Discover docked my credit line from {$19000.00} to just {$500.00} with no notice at all, citing the fact that I had balances on credit cards with other companies ( despite the fact that I paid my bills ). I had forgotten to pay a {$38.00} total balance and was a couple of days late on my Discover payment. Once I realized I was late, I paid immediately, but since I rarely use the card I thought I had paid earlier. I found out my credit line was decreased to {$500.00} when I went to make a small business purchase of around {$300.00} and my card was declined. I was given no notice of this, and when I called Discover they said they had mailed me a letter that would take 7-10 business days for me to receive. I had not received it yet. The credit line was decreased one day before I received an email with my statement details ( attached ), noting that I had {$16000.00} in available credit remaining and still I was not notified of this change. I was planning to use my Discover card to help finance supplying my company ( a XXXX ) with stock for an upcoming XXXX show at the end of XXXX. This is no longer an option for me and I find it appalling that Discover was able to reduce my credit line by {$19000.00} overnight with no notice at all. 

In summary : XX/XX/XXXX, 2017 : my credit line was decreased from {$19000.00} to {$500.00} ( no notice provided ) XX/XX/XXXX, 2017 : I receive my statement saying that I have {$16000.00} in available credit remaining XX/XX/XXXX, 2017 : I attempt to make a roughly {$300.00} purchase and my Discover card is declined due to credit limitations XX/XX/XXXX, 2017 : I call Discover to clarify and a service representative tells me there is nothing they can do to adjust my credit limit, and that it will remain at {$500.00} XX/XX/XXXX, 2017 ( after calling rep ) : I receive an email noting that I have a secure message from Discover. The letter is dated XX/XX/XXXX, 2017 and includes the information about my credit line decrease to {$500.00}.
I am trying to recover the rest of my money that has been transferred and embezzled out of my Wells Fargo business account. The embezzler was paying off a fraudulent credit card by using said account, completely unauthorized to do so. This has been an ongoing battle for around 2 years with no satisfaction and am only ever told it is under review. My business account has been previously closed XXXX times due to fraud performed internally. Now, this time, it has been by my previous employee. 
I have made numerous attempts on many occasions to be reimbursed. It is obvious, by all records concerned XXXX even including an admittance letter of fraud from Wells Fargo XXXX that this was embezzlement and has put me in financial hardships, caused immense mental anguish, as well as almost put me out of business. I have tried to speak with someone from Wells Fargo on countless occasions to resolve this issue to no avail and have even employed a lawyer to send a demand letter requesting reimbursement. I do not want to go to the expense of filing a law suit unless it is absolutely necessary. 
Any and all help would be greatly appreciated. 

Payment of {$1200.00} on XXXX XXXX, XXXX. 
Payment of {$1700.00} on XXXX XXXX, XXXX. 
Payment of {$1600.00} on XXXX XXXX, XXXX. 
Payment of {$750.00} on XXXX XXXX, XXXX. 
Payment of {$950.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1900.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$3200.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2000.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1800.00} on XXXX XXXX, XXXX. 
Payment of {$2500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$2800.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1300.00} on XXXX XXXX, XXXX.
Mortgage company is charging me for an unsubstantiated corporate advance for real estate taxes paid that were never paid by the mortgage company. I never even had an escrow with them. This is fraudulent. Requested copies of proof that they paid these amounts and to whom ( requested specifically cancelled checks ) - they ca n't prove they paid it and are unwilling to remove the corporate advance from the account. I can prove that I, and I alone, paid for all of my property taxes. Again, there has never been an escrow on my home which I have owned for 11 years now. How do I get the fraudulent amount removed from my account? I have proof that all property taxes have been paid via my personal bank accounts - I have receipts and cancelled checks, ACH transfers made from my accounts that proved I paid the real estate taxes and not them! Fraud, fraud, fraud! I have spent over 18 months trying to get this resolved but the customer service is non-existent - the agents are rude and clueless.
I received a postcardstating that I recently closed on a mortgage with JP Morgan Chase and that I needed to contact the entity regarding an important matter regarding the loan. A phone number was given along with a mortgage id # I did not call the number and a disclaimer at the bottom of the postcard stated that the information provided was not affiliated with JP Morgan Chase. A copy of the postcard is attached.
I noticed that my hard inquires were deleted on my Trans union account and then a few days later they were added back on without prior written notification.
On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. 

This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. 

Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.
Consumer alleges that : - Consumer was approved for a Barclay card in early XX/XX/XXXXfor a {$12000.00} limit - Consumer was verbally provided disclosures about balance transfer offer on a recorded line - Consumer was also provided online link to disclosures and paper disclosures in the mail - Terms and conditions specified that a balance transfer to a non-credit card loan need to be done manually by calling customer service after the card is approved and received in the mail - Consumer did call Customer Service on XX/XX/2017, but was denied the balance transfer opportunity due to system limitations not being able to balance transfer to a line of credit at a Credit Union - Consumer filed a complaint with Barclays over misleading information and non-compliance with the card 's Terms and Conditions.
There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.
TransUnion Credit report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and Transunion files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent to me.
XXXX has been non-compliant with removing the unverified account FAIR COLLECTIONS & OUTSOURCING which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FAIR COLLECTIONS & OUTSOURCING was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Hello, I got your information on the Federal Student Loan site. I saw information that stated you shouldn't be paying another party for servicing your loan so I clicked and was taken here. I don't think the problem is with the school, it's with the party that contacted me about having my loans transferred to XXXX XXXX from XXXX and then I would pay them a fee of {$29.00} a month. 

The company is XXXX XXXX XXXX XXXX based out of California. Please let me no what I can provide. If this is a scam, I'd like to get out of it. 

XXXX
I previously had a checking and savings account with Wells Fargo. In the past I have discovered fraudulent charges on my accounts, which I have successfully disputed to Wells Fargo. These charges were for relatively low amounts of money, so I never had an problem with Wells Fargo refunding my money. However, on XX/XX/XXXX I deposited a large check totaling {$12000.00} into my savings account and immediately began suffering from fraudulent ATM withdrawals in much higher amounts, ranging from {$200.00} to as high as {$1500.00} the total amount of fraudulent charges amounts to {$7200.00}. However, I did not learn of these fraudulent charges until XX/XX/XXXX. I immediately called Wells Fargo around XXXX PDT and arranged to come into the Bank in person the next day. The following day, XX/XX/XXXX, I went into the Wells Fargo location XXXX, California to formally dispute the charges and file a complaint. While Wells Fargo did cancel my debit card connected to my savings account and issued me a temporary card, I have yet to receive a refund for the fraudulent charges that had already occurred. 

Wells Fargo has confirmed that I filed my complaint ( Claim XXXX ) on XX/XX/XXXX. In response to my complaint, they sent me a letter on XXXX indicating that they would investigate the claim. They then sent another letter dated XXXX claiming that they had investigated the matter, and the withdrawals were made by me or by someone I authorized. This is false. Wells Fargo also claimed that there were " several undisputed transaction completed with the debt card within minutes of disputed transactions. '' This is also false. All of the charges between XXXX XXXX and XXXX XXXX were not authorized except the XX/XX/XXXX recurring transfer. I have attached documents of the fraudulent charges in question, as well as all the correspondence with Wells Fargo about this dispute. 

On XX/XX/XXXX, I sent a letter to Wells Fargo asking them to preserve the ATM video recordings. That letter contains incorrect dates because of a misunderstanding with a translator. The remainder of the facts in the letter are true.
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
My dad left me an IRA upon his death at US Bank and one at Edward Jones. I spoke with US Bank and on a number of occasions and told them I wanted it rolled over into the IRA at Edward Jones. Because my dad 's name is still on this account, according to Edward Jones, that is possible. US Bank would not do a transfer, they said something about it being too complicated and it would be easier to send me a check. I told them I did n't want to get taxed on it and if we did it this way, would I be able to roll it over into this other IRA at Edward Jones and they said yes, I would have 30 days to do so. They wrote the check out to me, I deposited it and went in to Edward Jones to write them a check, but they told me the check from US Bank had to be made out to me and to Edward Jones in order for it to roll over. Now, when I normally get tax money back from the government, I have to pay {$2900.00} in taxes because this approx. {$12000.00} in IRA money got taxed since I could n't roll it over. I called US Bank wanting to send them the money back so they could re-issue the check correctly, but I was told by my tax preparer that US Bank ca n't do that. I think they should have to pay my taxes since I made it clear to them I wanted to roll it over they clearly handled it the wrong way. When I call US Bank, I keep getting referred to the woman who told me wrong in the first place ( XXXX XXXX XXXX ). Does she not have a supervisor I can talk to? I know in filing a complaint, US Bank may contact me, but at this point, I really do n't want to talk to them. All the evidence needed should be in the notes of my phone calls to them and in the recordings of the actual calls. My contact with them first started in XXXX or XXXX of 2016. They told my sister the same thing with her portion of the IRA, but her other investing company caught the error before she deposited her check so after a number of phone calls and forms, US Bank finally re-issued her a check made out to her and to her other investing company. US Bank is saying that because I deposited my check, there is n't anything they can do and I 'm the one who signed saying I wanted the check. I signed it because they told me that is what I had to do to get it rolled over into this other IRA at Edward Jones.
This account had balance of XXXX and i did not use or authorize to go to XXXX that 's in sane not right at all
I have contacted this company for times to remove my phone number from your list. I dont not know who theyre looking for completely different name from my name and they still keep calling me. I am a senior citizen with no debt to anyone. Was told by one representative that it did not matter how old I was or if I knew the person they will keep calling me even though I have requested to be erased from their list. Again I do not know who theyre looking for