WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Stearns Lending multiple times to get my escrow adjusted to reflect a property tax exemption from my county. First, it was to see what information was needed in order to adjust it. I submitted the questions through the online contact form. I received an email confirming that the request was received, however, I never heard back. I called in after waiting the requested 10 business days and was told that the county needed to send them a form. When I asked for the form, they said that the county is the one who has it. I called my county who had no clue what is was but offered to write a letter confirming the property tax exemption on the property for my service XXXX veteran husband. This letter included all the information on my property including the estimated tax bill for 2016. 

On XX/XX/XXXX, I submitted this letter through the same secured form online and got a confirmation that they received my request and it asked for XXXX business days to review and research it. On XX/XX/XXXX, I called in because I again never heard a response from the company. I was told that they denied my request for Escrow Adjustment because I did n't submit an actual tax bill. When I explained that tax bills do not get issued until XX/XX/XXXX, they said that they can not go off of the county 's estimated tax bill. I questioned this because they are currently withholding the escrow based off an estimation and not an actual tax bill. The answer was still no, they would not adjust my escrow based off of my tax exemption. This puts a large strain on my monthly cash flow because the difference in escrow is about {$150.00} a month. 

I also questioned why I was not informed that the request was denied. I literally had no communication back from Stearns lending after I submitted the request. I was told that I submitted the wrong form. I questioned how that was possible considering that I used their form online. I never got a clear answer. The agent I spoke with was agent # XXXX. I 'd love someone to review this call because it truly was bizarre. 

I 'm appalled that a company who is holding VA mortgages is not more familiar with tax exemption available to XXXX Veterans. Also, this is the not first time I 've had issues getting my escrow adjusted. When I switched insurance policies, I had to submit the request 4 times before it actually was done. Each time I called, I was informed that they never received the information. There is a systemic issue with bad service and communication at this company.
XXXX could not validate these accounts, Equifax needs to follow suit. The debt can not be validated, therefore it needs to be removed from my credit report. I have no knowledge of this debt.
Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?
On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO.,  Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine!  I looked them up and they have been reported numerous times to the BBB for false collections,  such as this.  I called XXXX and and emailed them.  I also submitted my complaint online to dispute it.  I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!
Since XX/XX/XXXX XXXX XXXX has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )
The company has been deducting monthly payments since XX/XX/XXXX 2016 and none of the payments have been submitted to the Department of Education towards my Public Service Forgiveness Loan.
I applied for a refinance XXXX fixed loan through eratesmortgage. Their broker XXXX XXXX XXXX has worked with me and we locked the rates at 2.75 % with lender credit {$2200.00}. After that, a man named " XXXX XXXX '' from the Finance of America Mortgage LLC started to process my files and coordinated all the process. 

During the process, I submitted all their required materials in a very short turn around time ( submitted in the same day or next day ). And I kept checking with XXXX and XXXX to make sure my process was going well. However, due to their low efficiency, they told me on XXXX/XXXX/2016 that my rates lock period has been expired. If I want to continue the process, I have to sign a contract that they will change my lender credits to {$1700.00}. 

Every time when I checked with them about the process, I made it very clear in several emails that " please speed up your process and make sure I can close on time ''. Also, I stated in a handful of emails that " I will not accept any change of the rates and lenders credit I have locked ''. In addition, I have already paid them {$490.00} for the appraisal. My credit have got pulled by them as well. Not to mention the time and effort I have spent on this case. 

After they changed my rates ( lender credits ), I have asked them to fix it right. Because as a business, you can not let your customers pay for your faults. But things turned out to be very disappointing. First, XXXX never replied my emails. Second, XXXX told me it 's not his job to make my closing on time. XXXX also listed reasons like appraisal company, title company, and etc are not working for us. He sent me a timeline and told me that he thought he did everything on a timely manner, unfortunately my rates lock was still expired. 

All these unreasonable arguments make me very confused. I thought XXXX was suggesting that his company offered me a good rates and lender credits within a time window that the customer for sure could not be able to close the deal on time. Even though the rates they offered were very attractive, but they know it from the very beginning that I have no way to get it. Then they can let me to sign a contract with much higher rates! If I did not ask them, they will never tell me that my rates already changed from the documentations. 

I am very disappointed of there companies and I feel that I have been tricked. Besides pointing figures, they never offer any solutions to solve the problem. It 's the business ' responsibility to make the customer get what he quoted provided the customer finished his due diligence.In addition, XXXX is the one who coordinated all the process. And the process got delayed and as a customer I suffered financial losses, who should be responsible for it? 

I am also curious that is it planned at the very beginning for all their business? i.e. offer you a good rates to get your business ( then you will not do business with other companies ), but after 45 days they will let the rates lock expired and then ask you to sign for a higher rates??! 

I urge for justifications and clarity, especially for the compensations of my financial losses.
Citigroup Inc. offers a {$400.00} promotion if you deposit {$15000.00} into a new checking account. I completed this action online back in XX/XX/2018. Per their promotional material, I maintained the {$15000.00} balance for 60 days ( completed by XX/XX/2018 ). The language in the promotion is misleading and seems to suggest that you will receive your {$400.00} deposit after the 60 days. Unfortunately, there is a completely separate sentence that states that the bonus will be credited within 90 days after the conditions of the promo have been met. Essentially, this means you are tying up {$15000.00} for 5 months before you will receive your {$400.00}. The frustrating part is that I have now contacted their customer service over 8 times ( saving the transcripts each time ) and they have yet to deposit the {$400.00}, even though I am well past 150 days of maintaining {$15000.00} in this new checking account. They say their promotions department is backed up. I told them that after 6 months, other investment options may have delivered a better return. They do not seem to care to solve the issue and I will likely withdraw my cash and close the account due to what I consider to be false advertising. I followed the promotional requirements to the letter, so there is no reason for them to withhold the {$400.00} at this point. Other banks with similar promotions have paid promptly in my experience ; it's a shame that Citi does not perform similar to other banks.
I wanted to refinance my current mortgage that is currently over 6 % and I am paying mostly interest to a current more reasonable rate. The vendor that currently has my mortgage is XXXX XXXX XXXX ( TCF XXXX XXXX ) bank. I was working with the Branch Leading Manager, XXXX XXXX I was being bullied so I chose to cancel the process and pursue another strategy during the negotiation process. They chose to publish that my " Value or Type of Collateral not Sufficient '' and " Income - Excessive Obligations in Relation to Income ''. I asked to change the wording to be more truthful but they refused. I contacted the MN Attorney General office and they were able to get them to send me a letter, but still refused to change to document, which is available to thousands of people. Also it may be available to other creditors. Basically I would like it to be truthful. I have an excellent credit rating of over XXXX and I have never missed a mortgage payment. I think they are trying to keep me for going to another vendor by publishing a bad report. 

I do n't feel I should be the victim of this behavior and I am concerned that they have abused others who are more vulnerable. 
Thanks
In XX/XX/XXXX received documentation from XXXX XXXX   regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The qualifying payments ( total and remaining ) and estimated eligibility dates listed were different than documentation I received in XX/XX/XXXX. I have called XXXX XXXX four times over the course of 14 months. Every time they tell me my review will need more time. After attending a student loan debt seminar, I learned that this was the next logical step in the process of having my issue resolved.
XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
I have repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.
I just made a payment previously on my account and went to make a purchase using my XXXX 'S credit card at the end of the month. I was informed by the cashier that my card was declined. I called the number on the back of my credit card and spoke with someone from customer service who stated that my account was over the limit. I had been making my payments at the XXXX of every month. The customer service rep told me that I am paying my account too early therefore I am being penalized for paying early. My account is due on the XXXX of each month. They are not applying my payments to my account correctly. I am being charged a late fee of {$25.00} every month for being late. I feel like I am being cheated every month and I have spoken with them more than once concerning this matter. I feel discriminated against for paying my account on time. I have been paying what is on the bill.
I am contesting the account with SYNCB/ROOMS TO GO. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/ROOMS TO GO. to correct this account on my XXXX report. I should not owe SYNCB/ROOMS TO GO. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
This is the message I put on Chases website : **** DO N'T LET CHASE BANK DESTROY YOUR REBUILD FROM HURRICANE HARVEY ***** XXXX XXXX should go to jail for the pathetic way they are treating Harvey victims. My damage from Harvey is more than my maxed out flood insurance of {$250000.00}. I have heard of many people losing their contractors because Chase is holding their insurance money just like mine. In order to keep my contractor I  decided to pull from savings and have spent {$170000.00} to date ... The flood was 4 months ago and I received my insurance check over a month ago for {$250000.00} less a {$25000.00} advance. Chase is using our insurance money to loan out and they are refusing to pay us interest on our money. Just a side note ... the dirt that my house sits on is worth XXXX the amount of my mortgage ... without the house even being there. There should be an exception to the rules for catastrophe victims. *** CHASE IS CAPITALIZING FROM OUR LOSSES *** Flood date from Harvey was XXXX/XXXX/XXXX My officeXXXX is XXXX XXXX at Chase bank and when I asked her to pay interest on my money they were holding she laughed in my face ... her phone # is XXXX
Re : Credit Reporting social ending in XXXX My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. 

They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. 
At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about XX/XX/XXXX. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. 
I did attempt to file a police report XX/XX/XXXX but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into XX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). 
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however your company still refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account from my credit report. 

You have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. You have changed your story several times and have been giving me the run around for nearly 18 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. 
I reported the accounts that was fraudulent to you and were needing to be blocked back in the fall of last year ; instead of processing it is fraud, you opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days. 
I have documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. 

I will be checking my reports carefully, if the account is still listed on Wednesday XX/XX/XXXX, I will be left with no choice but to file legal action against you. 

Sincerely, XXXX XXXX
After providing notice of intent to refinance with another institution, BBVA Compass Bank provided notice of their intent to charge my escrow account to purchase their homeowners insurance. My homeowners policy premium was paid by BBVA Compass and the policy has never been out of force. Basically, they are trying to steal my escrow funds.
JP Morgan Chase continues to re-order transactions in their best interest to charge fees to my checking account. There have been several instances over the last 2 years where this has happened. In XXXX my account was charged nearly {$1800.00} in fees and in XXXX it was charged over {$2000.00}. During that time I received reversals of close to {$500.00}. However, that is not enough " good will '' to satisfy my as a consumer. In several instances, I have submitted payments originating from XXXX XXXX to be deducted from my account to coordinate with my Friday bi-weekly payroll. Chase will deny the transaction for insufficient funds when they are clearly available and charge a fee for a returned draft. Then, a few business days later, XXXX will resubmit, Chase will pay and then charge me for insufficient funds. Now, ive been hit for XXXX fees for the same transaction. 

Other transactions, such as XXXX they claim are recurring charges because XXXX " retains my card information '' and over the weekend charges are presented and then charged fees when deducted on Monday for Non-Sufficient Funds. I elect on Chases website to not allow overdraft from debit cards yet have been charged many times for debit card transactions. This is not explained in my cardholder agreement and I have been misled by this bank. Chase has been sued for charging fees before and without an agreeable resolution I will look to an attorney.
I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking  my   XXXX   XXXX   XXXX   XXXX   I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
XX/XX/XXXX XXXX XXXX received call from bank of America fraud division advising my credit card was hacked. asked me if i purchased {$2800.00} worth of 'pot growing lites. ' advised i hadn't. rep told me she researched my purchase history and concluded i didn't order them and went as far as to close my card card and reissue new one. told me that amount was already charged to card but would be backed off and merchant wouldn't get. 

i have included a letter sent to bank of America on XX/XX/XXXX and a subsequent letter sent to them on XX/XX/XXXX. 

I TAKE GREAT PRIDE IN MY CREDIT SCORE AND BLEMISH FREE CREDIT REPORT. I HAVE ADVISED BANK OF AMERICA PERSONNEL ON SEVERAL OCCASIONS THAT THEY HAVE BETTER NOT DING MY CREDIT OR LEGAL ACTION WOULD RESULT! I HAVE NEVER IN MY LIFE SEEN A COMPANY ESPECIALLY A BANK RUN WITH SUCH INEPTITUDE. THE LEFT HAND LITERALLY DOESN'T KNOW WHAT THE RIGHT HAND IS DOING! 
It really is disgusting and reprehensible that a bank is permitted to conduct business in such as slipshod manner! All of my mental ; anguish and grief could have been avoided if B of A would have contacted the shipper as they said they would before the order shipped. and to this date the several voice mails left at the shippers point of business have gone unanswered. Thank you for your assistance in this very critical matter. sincerely XXXX XXXX
My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. 

They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.
Equifax did their investigation and came back with updated informtion. Well i called the creditors which i will and they all came back and said they have no record on file, how did Equifax investigate without calling the creditors to see if this was my accounts. Also in 2013 i was a victimn of ID theft which Equifax could have done a better job at investigating the inaccurate information becasue its still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on fiel ) 2.XXXX spoke with XXXX Employee i.d # XXXX XXXX XXXX account # XXXX ( no record on file ) XXXX this is the same creditor so its being reported twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record on file ) 4.XXXX Account # XXXX. I have enclosed a letter from them saying for you all to delate this off my credit file immediately.