WillisBack/dataset-financial-user-claim huggingface dataset:
CitiMortgage recently sent me a document advising of my escrow shortage for the 2015 year. They advised me that if I do not pay the escrow shortage, that my monthly payment would increase from {$1100.00} to {$1200.00}. They advised that I could pay the escrow shortage, and that if I did, my monthly payment would be adjusted from {$1200.00} to {$1200.00}. 

I do not want my payment increasing above {$1100.00}. So I sent a payment of {$600.00} ( escrow shortage of {$330.00} + {$270.00} to cover the increase in my escrow payment ). However, when I called in, Citi refuses to adjust my payment back to {$1100.00}, stating that they can no longer advance the escrow EVEN IF IT IS AT THE BORROWER 'S REQUEST. That is ridiculous. If I cut a check for {$5000.00} to cover my entire upcoming year 's worth of taxes, Citi should n't be charging me ANYTHING for escrow. The purpose of escrow is to ensure that irresponsible borrower 's pay their taxes. I PAY MY TAXES!!! If I choose to put money into an account IN ADVANCE to pay my taxes, my monthly escrow payment should be adjusted accordingly to reflect the advance. AND I DO NOT CARE WHAT " CFPB GUIDELINES '' ARE IN PLACE FOR THE MORTGAGE INDUSTRY 'S ESCROW POLICIES ; I HAVE THE RIGHT AS THE CUSTOMER TO ADVANCE MY ESCROW SO THAT MY MPA FOR MY MORTGAGE DOES NOT INCREASE!
I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " AUTO VESTS ''. WHEN I CONTACTED AUTO VEST ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX'' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " AUTOVEST ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.
MIDLAND FUNDING has been harassing me also for this debt of {$310.00} i ad them i was a victim of identity theft and this card was open by someone who stole my identity. i have called them many times and asked them to remove this from my credit report. i have even sent them the police report and fraud fraud affidavit, as a consumer i hve rights and this is not fair. they call my phone at all hours of the day trying to collect this debt that is not mine. this has to stop
There are several things listed which are NOT mine. TransUnion has my information merged with someone else. This has GOT TO STOP XXXX XXXX XXXX XXXX NOT MINE XXXX XXXX NEVER HAD XXXX NOT MINE XXXX XXXX XXXX ACCOUNTS XXXX, XXXX, XXXX NEVER EVEN BEEN TO THIS HOSPITAL REMOVE
I purchased an HVAC system through Lowes Home Improvement on my lowes Credit card. I signed a contract on XX/XX/2015 for Installed services by XXXX/XXXX/2015 with the only condition of weather permitting. The final installed date was XX/XX/2015. There was no weather delays. The installer stated that his schedulling was first come first serve. Charges began accruing on the credit card begining XX/XX/2015. I asked Lowes to refund only the credit charges due to the failure to meet the terms of the contract and considering the fact that charges accrued on the service even when the service had not been delivered. They did not respond despite multiple calls.
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
XXXX often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
I 'm am unable to update my score and report as per my product to soft pull my report on equifax. I have called numerous times and it is fixed for a short period and then again has to be escalated to technical support so it " does n't happen again ''. I 'm on the phone for 1 hour each time and ran in circles. My creditors are unable to soft pull current information, the only information they can soft pull is from the last time my report was able to be updated. I 'm unsure of what information would be pulled during a hard pull. The supervisor I spoke to said that this is n't a new problem and they are aware of the issue. It is also frustrating to try and understand the representatives as they do n't speak very good English. I think this problem goes beyond paying for a service that does n't consistently work. It is my credit and they are put in charge of keeping accurate information for my creditors. I 'm concerned that if they ca n't get updated information that this will have a negative effect on my credit standings. I do n't have the same issues with my credit monitoring from XXXX or XXXX.
I reported a fraudulent charge on my XXXX Debit Card from Citibank on XXXX XXXX, 2016. The charge was posted to my Account on XXXX XXXX, 2016 from a XXXX for {$39.00}. Citibank issued me a new XXXX Debit Card that I received the following day. I am still awaiting for the {$39.00} to be credited bank to my checking account. Citibank said that I would receive the credit bank within 5-7 days. It has now been 14 days. I contacted Citibank via their online message center and received a message from a XXXX XXXX that stated " Great News, I see that there is a credit in your account for {$39.00}. '' The only {$39.00} credit in my account was from another merchant ( XXXX ) who had charged me {$39.00} for a membership that I had cancelled. I never made any authorized charge to any XXXX. I have not been credited for this Fraudulent Charge by Citibank and they seem to be playing Dumb about it. CitiBank has sent me no paperwork to sign attesting that this was a fraudulent charge. There is no paper record that I disputed this charge. I have had to dispute charges in the past with other banks and have always receive some kind of paperwork to sign and at least have a paper trail that I had made a dispute. This charge caused my account to be overdrawn and Citibank charged me multiple fees. I feel that this is a scam.
I have an existing loan serviced by XXXX XXXX XXXX. I received a pay off demand with an Other Fees * {$16000.00} on the demand. The detail said included an attachment A with no explanation of this charge I never agreed to, or authorized. When I called XXXX XXXX XXXXXXXX they said it would take 3 weeks for any response. Now I am frozen to complete my current refinance which has a rate lock expiring. I am left with no recourse and no help from XXXX XXXX XXXX. This will cause me financial peril and I am seeking help from the cfpb to force my mortgage servicer to respond and/or remove this illegal charge. 

- I have never been late on a mortgage payment. 
- I have perfect XXXX fico score credit. 
- I have never agreed to any pre payment penalty which is illegal. 

Thank you for your help in this urgent matter. 

XXXX XXXX XXXX XXXX
Allow me this opportunity to thank you, the Consumer Finance Protection Bureau ( CFPB ) for protecting our consumer rights against these dirty, unethical and almost illegal credit reporting agencies, debt collectors, lenders and creditors. You are contributing nicely to protect us the consumers from the above-mentioned nasty and harassing entities. I was very upset and incensed when I learned that the Trump team reduced funding for the CFPB. I suppose Trump and his team should sit down and re-consider what they have done and reverse their bad decision. 

I am writing to you regarding a list of inquiries that has no business being on my credit profiles. I wrote to Experian and XXXX and mailed the letters out by certified mail with return receipt requesting a copy of my application-for-credit with my signature on it. No results so far from XXXX or Experian. They could not even care enough to send me a response. This is a gross violation of the Fair Credit Reporting Act. These corrupt credit reporting agencies are in bed with the greedy creditors and lenders ; they feed of each other. 

Please order XXXX and Experian to delete the inquiries as they are interfering with my ability to obtain credit and move on with my life. 

Thank you very much CFPB.
I HAVE MADE PAYMENTS TO 2 PORTFOLIO RECOVERY ACCOUNTS EVEN THOUGH THEY WERE NOT MINE. I WAS TOLD THAT IF I PAID THE ACCOUNTS THEY COULD BE REMOVED FROM MY CREDIT REPORTS WHICH WAS CLEARLY INACCURATE INFORMATION. I HAVE DISPUTED THE ACCOUNTS AND SENT 611 LETTERS TO HAVE THE ACCOUNTS REMOVED BECAUSE THEY WERE NEVER MY ACCOUNTS. MY PERSONAL INFORMATION HAS BEEN STOLEN ON SEVERAL OCCASIONS. THEY SENT A LETTER SAYING THEY ARE VERIFYING IT'S MY DEBT BUT IT ISN'T AND EVEN AFTER IT BEING PAID THEY STILL REFUSED TO REMOVE IT. I HAVE REPORTED FRAUD ON MY ACCOUNT BUT THE SITUATION STILL HASNT BEEN RESOLVED. I EVEN OWNED UP TO THE DEBT IN AN EFFORT TO GET IT REMOVED ALL TO NO AVAIL. PLEASE HELP.
I applied for a refinance of a mortgage loan secured by an investment property in XXXX. The property is vested in the name of my revocable trust. I applied with GreenTree Servicing, my current loan servicer, which in turn got XXXX involved. During the application process, an employee of XXXX and then a couple of days later a title company employee asked for a " full copy '' of my trust agreement. When I asked the XXXX employee what her authority was for the request and asked whether they would accept a trust certification or memorandum of trust, I never received a response ( see emails attached ). Upon being asked by the title company, I did some research and learned that the law in XXXX is the same as XXXX where I reside. The XXXX statute 46A-10-1013, provides : " A person making a demand for the trust instrument in addition to a certification of trust or excerpts is liable for damages if the court determines that the person did not act in good faith in demanding the trust instrument. '' I offered to provide a trust certificate. As I see it, asking for a copy of the full trust agreement was unfair and made in bad faith. I am a XXXX so I know that conditioning the approval of the transaction upon the receipt of information that a lender is not otherwise entitled to could be viewed as abusive. How many unsuspecting borrowers are being asked to provide this information when a lender has other options and is clearly not entitled to receive it??? When is GreenTree going to get its act together? I cancelled the loan application and am looking to refi with another lender because I do not want to do business with any company that can not conform its activities to those that are lawful.
At ot around XXXX Lobel financial send a tow truck company to repossess my car. I was not home but my mother XXXX several of my family members were home a sleep the man banging on the front door waking everyone in the house and disturbing the peace. I feel this violate the XXXX fair debit collection in business and professional code.. I did not receive any documentation from the tow truck company. my car windows do n't roll up on XXXX side of the car and XXXX does n't go down I feel that my truck is not safe. They did n't give a invoice of the property in the truck. I called the company they had no idea what tow company has my car or were its at. And told me to call back very rudely. This is my frist repo. 
I just got a transmission rebuild that cost XXXX in the begging of the year. lobel fincal knows my car was a lemon. And told me there 's nothing they can do about it. The car value on paper is not the proper price for the vehicle.
In XXXX filed for bankruptcy and the lawyer told me that my student loans would be forbearance do to a financial hardship. Never heard anything until XXXX with a wage garnishment that my employer received. The collecting agency charged XXXX of dollars and after 6 months of paying them it was switched to automatic payment with XXXX XXXX and then converted to Navient.
XXXX XXXX XXXX XXXX will not respond to several requests for validation of debt put on my credit report. Nor will they send me a copy of the HIPPA release to even verify a debt they say I owe. Now there is Applied Business Solutions/XXXX XXXXXXXX XXXX trying to collect on a debt that I don't even owe.
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, Equifax or XXXX  that this account was being placed back on my credit.
I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate.
We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX, VA on XX/XX/XXXX. The agreed upon price for the vehicle was {$40000.00} plus tax and tag. We told them we were going to finance through our own bank. The sales person said they would be able to give us the same rate if not lower. When we got into finance we were told they were able to buy down our finance rate and actually beat our banks rate by approx. 1/2 a percent lower. He had us sign 2 different contracts with 2 different amounts on them. When we asked why 2 contracts and why they were different he said they needed to show the bank the buy down rate and that the figures were just for the bank. After we signed everything and got home we could n't figure out what all the extra money added onto the loan was for. I contacted the finance person and was told the charges were for extra and extended warranties. We told him we did n't ask for any of these items and none of them were ever discussed or agreed upon to for them to add to our loan. I told him to just void the entire contract and we would finance through our bank as we were going to do at first. He said they could n't do that because the loan was financed and money dispersed the same day we signed the loan. We told him we wanted all the extra charges removed and refunded back towards the loan. I asked where all our paperwork was ref. all the extra and extended warranties and the 2nd contract they had us sign were, because we did n't have any paperwork on any of the stuff he added onto the loan. They said they would XXXX them to me. We received copies for warranties with the finance persons signature on them but not our signatures. Each copy had RE-PRINT FOR CUSTOMER FILE on it. When we asked where our copies with our signature on them was he told us he lost them. They do n't have any copies because we did n't agree to any extra or extended warranties. We were told the 2nd contract had been destroyed. Bottom line is The dealership charged us approx. {$22000.00} in extra charges we did n't agree to. It has been a nightmare trying to get them to rectify this issue. I have called and left messages with everyone from the General manager, district manager, finance manager and sales rep.. They never return phone calls and do n't seem very interested in resolving this matter.
I was alerted to a fraudulent purchase on my Capital One card on XXXX and was sent a replacement card on XXXX. I was unable to activate the new card and phoned Capital One. I spoke to fraud supervisors XXXX and XXXX that day and was told that someone pretending to be me had called Capital One but wasn't able to answer the security questions asked of them so my account was frozen. XXXX asked me if I'd submitted the forms of ID they had requested and I told her no one requested that of me yet and was subsequently told that the ID had been requested from the suspicious caller. She told me to go to any local bank and have the banker call Capital One with me and verify my identity. I went to my bank ( XXXX XXXX ) on XXXX and my banker and I spoke to fraud supervisor XXXX for 45 minutes who said my identity was confirmed and my account was now unfrozen and I could use the card. The next day on XXXX I tried to use the card and it was declined. I called Capital One and spoke to supervisor XXXX who said someone pretending to be my attorney had sent them a letter and that my account had been frozen again. XXXX told me to call back the next day. I called Capital One the next day on XXXX and was told by supervisor XXXX to send a letter to General Correspondence detailing my problem, confirming that I had not retained an attorney and confirming my identification with a Driver 's License and Social Security card. I sent the letter that day dated XXXX. On XXXX I spoke to supervisor XXXX who said my letter had been received and I would receive a phone call from Capital One 's legal dept. within 72 hours which would resolve the issue- no phone call was received. On XXXX I spoke to supervisor XXXX who said I would receive a letter within the next 10 days from General Correspondence which would resolve the issue - that letter never arrived. On XXXX supervisor XXXX told me I would receive a letter within the next 3-5 days from General Correspondence - that letter never arrived. Each fraud supervisor said they were unable to unfreeze my account because they were unable to contact the General Correspondence dept. that had my letter. On XXXX I spoke to fraud supervisor manager XXXX who said that there was no phone number for the General Correspondence dept. I asked him for the phone number of the department or individual who had the authority to unfreeze my account and he said there was no such person and that their General Correspondence could not be contacted by phone and I simply have to keep waiting for a letter. I asked him for his manager 's name and contact number and he said he didn't have a manager and that the phone number was the XXXX number I had been calling for the last month. Manager XXXX confirmed that it had been more than 30 days and I had received no written correspondence from Capital One regarding my complaint. He also confirmed that I have a CREDIT on my account which I can not access because the account is frozen. He acknowledged that I am unable to either use the card, close the account, or receive the money that Capital One owes me from the credit on the account.
It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX  and Experian credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX   account which should drop off in XX/XX/XXXX. Please advise.
I called to dispute a transaction and was given a reference # in the mean time I was getting charged numerous overdraft fees. In that time I had {$200.00} + credited to my account but instead Wells Fargo deducted it from my account. No action was token by them and closed my account.
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.