WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing a rental collecting that was place XX/XX/2015 as a collection on my credit report. The balance started at {$5300.00}, then it changed to {$5400.00}, and change again to $ XXXX.They have been reporting inaccurate information and unauthorized activity occuring on the account such as a payments made on the account and showing different balance amounts owed. When asked the collection company to verify payment on the account made to the account, they remove payment from the account. This collection company called people in my family and even sent the debt information letters to their homes, they have call previous jobs telling them that I owe them money. The collection company also place multiple inquiries on my credit report to get information illegally off my credit, and using previous addresses to mail information of the debt that went out to old, or inaccurate addresses. I disputed their inquiries had them remove from my credit report and had to place fraud alert to block them from continuing to place many inquiries on my credit. I even dispusted the fraudulent acivities made on the account to Credit Bureau and have shown that they continuiously violates the FCRA. Lastly they use illegal tactics to sue me, and I was not aware of the lawsuit.
I was on a trip to  XXXX  and I attempted to log into my Coinbase account to check the prices of the crytocurrency I own. Upon my return to the  US,   I received the following e mail : " Dear ( Name ), We have r eason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( Country ) per the sanctions imposed by th e U.S.  Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to clos e your Coinbase acco unt. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us a t support@coinbase.com immediately and provide us with a copy of a photo ID and proof of y our current address. If your account has a balance you will need to contact th e U.S. Treas ury Department to request permission to access your funds. '' I immediately created a support ticket to have my issue resolved and provided the requested documentation. I have received only automated responses and have sent several follow up emails along with attempts to reach them via their social media platforms. The issue should take very little time to resolve and it have been  over 10 busi ness days that my account has been locked and I have no access to my funds.
the credit bureau reinserted previously deleted information from XXXX and XXXX financial back on my credit file.
I disputed a charge for from a tow company for improper towing of my vehicle on XX/XX/XXXX. I paid for the charge, however expected a credit upon resolution of the case. I was initially credited on XX/XX/XXXX, but was re-billed on XX/XX/XXXX. I was asked to submit more information to support my dispute and provided what was required of me to have my claim continued. On XX/XX/XXXX, they informed me I was credited again, however a 2nd charge back was never given. they asked for more documentation, which I also submitted. On XX/XX/XXXX, they denied my claim and stated they " can only request credits when they can document that the merchant violated an operating rule or regulation, '' which I provided evidence for. I contacted them that same day and asked what was necessary of me to continue this claim. They asked that I provide further documentation, which I did once again. On XX/XX/XXXX and XX/XX/XXXX, they sent a letter stating they had received my documentation and will continue my transaction dispute investigation and may contact me with follow-up questions, but until then, no additional information was needed. Now they claim my case has been sent to the " back office '' for review, however I have been told by a few representatives, my case is closed and has been for over a month now
My complaint is with Statebridge, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ( Their phone number is XXXX ) I originally had my mortgage with XXXX and it was transferred to Statebridge over a year ago. 

The amount I am supposed to pay monthly ( Fixed interest rate ) is XXXX per a modified loan agreement that was signed about 4 or 5 years ago. However they are billing me for XXXX per month. 

When I called up to get more information I was told this was for insurance and property taxes. 

I live in a coop in XXXX XXXX XXXXXXXX. I pay insurance for the inside of my apartment through XXXX XXXX. Also the management agent for the coop pays insurance for the outside of my apartment. As for property taxes the management agent also pays my share of property taxes. ( There is not an individual tax bill for my apartment but rather a tax bill for all the apartments in the co-op and the management agent pays then bills us for based on the number of shares owned ). So every month when I pay my monthly maintenance charges ( of which I am current ) part of the payment includes property taxes and insurance.

However Statebridge claims they received an individual tax bill for my apartment when XXXX does not give individual tax bills for coops but a total bill for all the apartments in a coop which the managing agent then charges us for based on the number of shares in our apartment. 

Bottom line is I do not wish to be billed by Statebridge for insurance and property taxes when I am either paying for this on my own or through my monthly coop maintenance. Also originally I was a month ahead on my payments when my account was transferred to Statebridge but the extra payment was confiscated by Statebridge for its fictitious property tax and insurance payments on my behalf.. I would like this money ( One month 's mortgage payment ) that was stolen from me to be returned to my account or refunded to me )
I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX XXXX Bank. I am going to provide the letter from XXXX XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors who inquire about my payment history.
This compliant has two issues.
1 ) Loan open on XX/XX/XXXX On XX/XX/XXXX a regular payment was made totaling {$1100.00} of which XXXX principal XXXX was interest and XXXX was escrow. 

on XX/XX/XXXX a regular payment was made totaling XXXX of which XXXX principal XXXX was interest and XXXX was escrow. 

Question I. why was interest XXXX on XX/XX/XXXX when as of XX/XX/XXXX interest was paid up. Between XX/XX/XXXX and XX/XX/XXXX should only be 3 days interest. 

On XX/XX/XXXX I went on BI-weekly payments. There is a {$200.00} charge to start Bi-weekly payments and an additional {$7.00} charge per payment. I was told the charges results from the the payments being manually processed. 

Question 2. Despite payment withdrawal be made time all payments are posted on the 10 or last day before late charges. This allows the mortgate company to collect 10 days interest despite have the payment in hand. This has been happening the last 6 monthes.
The mortgage company ( loandepot ) overpaid my property tax XXXX quarters in a roll for XXXX and XXXX XXXX. They made payments of {$7000.00} for each of XXXX and XXXX XXXX, but the actual amount due is only {$3500.00}. The total overpayment was about {$7000.00}, i.e. they maid double payment XXXX quarters in a row. 
Please refer to " Loan Activity.pdf '', the payments are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX Please refer to " Tax Inquiry - XXXX XXXX XXXX '', the tax due are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX I only discovered this issue around XXXX XXXX when they increased my monthly deduction claiming a shortage in the escrow account. 
I started contacting them to resolve this matter in XXXX XXXX, up until now the matter is still unresolved. The supervisor assigned to my case was extremely unresponsive and difficult to get hold of. I made multiple attempts to contact him only to be forwarded to a line that does not get answered. On multiple occasion, I was promised a callback but it never happen.
I have not apply for this home equity and have not authorized the credit check. They did anyway without my authorization. 
I 'm very upset that this happening.
XXXX has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

XXXX don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need XXXX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.
My personal data was collected and resold without my permission for profit by XXXX, yet XXXX failed to secure this most critical of personal data from being stolen.
I applied for a US bank XXXX card XX/XX/XXXX, and activated the card on around XX/XX/XXXX. I am supposed to receive XXXX bonus points after meeting the spending requirement in 3 months. When it was about XX/XX/XXXX, I called the bank and inquiry about my spending and how much time I have to meet the spending requirement, I was told that the time has already passed, but she will talk to a supervisor and let him/her get back to me in 2 days. However, no one called me. After a week, I called in and spoke to a supervisor. At first, she told me that the 3 months starts at the activation date, so I am supposed to have until XX/XX/XXXX to meet the requirement, but since the date still already passed, so she ca n't give me the bonus points, nor give me the extension on that. When I brought out about the misleading information about meeting spending by XX/XX/XXXX from the first agent, the supervisor went back and checked the voice record, and changed her story by saying that it should be XX/XX/XXXX, and stated that I will never have any possibility getting those bonus points! Then I asked to close my account, and I have confirmed with her at least three times that the annual fee charged on the account will be refunded. She confirmed three times that I will receive a refund on annual fee. But it was more than a month, and I did n't receive refund at all. When I left a message on US bank, I received the response that I ca n't get the annual fee back. I ca n't understand why a bank could give so conflicting words all the time, and they do n't hold any responsibility for what they have told their clients!
I have received multiple ( wrong number ) calls from this company. They are requesting to speak to a family member whom I have very limited contact with. This morning a voicemail was left regarding this individual and also saying that they were going to contact the employer of this person. I returned their phone call to tell them that they had the writ number and also to notify them that the practice of calling someone 's employer after a phone call is illegal. The representative became irate, yelled at me, and hung up as I told them that I would be filing a report.
My data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now. 

My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable.
Chase XXXX XXXX XXXX offered a Rewards special over the XXXX XXXX in which they would offer XXXX 's reward points for home improvement purchases within a specific time period for up to {$10000.00}. I made home improvement purchases within the specified time period as follows : {$220000.00} on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, {$2100.00} on XXXX/XXXX/XXXX, {$4300.00} XXXX/XXXX/XXXX. The purchases for XXXX and XXXX are concert work and I used convenience checks. I was told because I used convenience checks they did n't qualify after the purchases were made. There were no disclosure telling me this prior to use or I would have just used my card to earn the points. My statement also says a cash adv. was taken during the month of XXXX statement, for {$340.00} and I was charged {$4.00} in interest and {$430.00} on XXXX/XXXX/XXXX. I never taken a cash advance on any card! The purchase of XXXX on XXXX was made with via credit card over the phone. The purchase of XXXX and XXXX were made via convenience check and immediately paid off that same month. After the appropriate reward point credits did n't appear on my account after 6-8 weeks I called Chase ( approximately XXXX XXXX. ) and the Rep. stated the purchases should have qualified and she was n't sure why they were n't credited but that she thought the promo was only for XXXX points ( this is inaccurate ). She stated she would forward my account to the Reward team for research. I think received a letter a week or XXXX later stating the purchases did n't qualify. I am very upset as concrete work on my garage floor and exterior painting are certainly home improvement purchases. I feel like the reward advertising is deceptive and abusive as I specifically used my card for these purchases to earn the promised points, to no avail. Had I not been offered this reward promotion I would have just paid cash or used another reward card. I am also upset as there is not a means to see itemized point application for the rewards earned. It makes it nearly impossible to tell if Chase is awarding the appropriate points for each qualifying purchase. I would like my account credited for the improper fees I was charged and the points I am due for my purchases that qualified per the advertisement. This is my top of wallet card, if my account is not made whole I will be cancelling my card and switching to a competitor. I am very disappointed in Chase.
The terms of my mortgage refinance loan at closing were not the locked in rates of my application or what I was promised. I became aware of the changes when I reviewed my closing documents, there was no explanation prior to the date of signing.
Citibank line of credit My wife and I applied for a line of credit to pay for a kitchen remodel $ 10- {$30.00} Whatever would be available to us. 
Over a lengthy period of several months Citibank themselves increased the amount to over $ 80k and then turned the loan into a credit consolidation loan. 
In a very contrary move they have now just denied the $ XXXX loan on the grounds that we dont earn enough and a FICO score that they supplied of XXXX. 
We also own our $ XXXX condo outright with nothing owed and earn circa $ XXXX a year. 
We at no point asked for XXXX, that figure was pushed onto us by various employees at Citibank, we did and still only actually need between 10-30k! 
Is this legal for them to push the amount up themselves over $ 50k and then refuse Many thanks
The bankruptcy is over 12 years old and isnt being removed from my file. None of the three bureaus are removing it. It was filed and completed in 2002
contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE. 

On XX/XX/XXXX I contacted XXXX  to request they remove this unverified account, have not received a response as of yet.
I consolidated my XXXX Loans with Fedloan Servicing on XXXX of XXXX. The reason behind this was to work toward the XXXX XXXX XXXX. As of XXXX of XXXX, they stated I had only made XXXX payments toward my XXXX payments, where as I believe that should read XXXX payments. I have never been late nor missed a payment. I called and they stated that I was not paying enough, they are the ones who set up the payment plan. I asked to speak to a supervisor, I was told they would have the supervisor phone me back ; I never received a call back. I then sent a letter, XXXX of XXXX and did not receive a response back. 

The other requirement is that you must work for XXXX consecutive years at a low income school, I have been at the same school for 18 years, which qualifies as a low income school. I am also a " highly qualified '' full-time mathematics teacher in a secondary school. 

I believe I have fulfilled my end of the bargain and my loan should be on its way to be forgiven in XXXX of XXXX, where as they state XXXX. 

I appreciate your time and help regarding this matter. I believe I have covered everything but if I left something out please let me know.
Since XX/XX/XXXX, Comenity Bank has called me repeatedly (sometimes hourly) from the following phone numbers:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

If I block one number, they call right back from another one. When I answer the phone,I ask for them to please contact me in writing. They hang up.
I keep getting phone calls from Stephens & Michaels Associates in NH. When I answer the phone a recording asks me to please hold, when someone answers the phone they will not provide me with any information, just that I have an outstanding debt and they require that I pay it immediately. 
They will not provide me with proof that they have acquired this debt from the first policy holder.
I am attaching additional evidence for Case number : XXXX and Case number : XXXX. I can only create a new complaint as there is a glitch in the system that does not allow me to log in or create or reset the password in order to update or review standing complaints. 

I am attaching evidence from XXXX XXXX to show that they return the LATE payment Firstbank tried to send for my Hazard Insurance. I had already paid XXXX directly because to me Firstbank had already began to steal money from the escrow account so that they can charge me forced place insurance and line their greedy pockets.
Td auto finance is reporting a hard inquiry that i did not authorize. I sent in my signed application which shows the date i applied and they ran my credit before that without my authorization. I have tried to get it removed td auto finance and the bureaus
your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). the lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Due to circumstance beyond my control I have been in default on a mortgage with US Bank since the Fall of 2012. Since this time I have been working earnestly with US Bank to find a solution which would allow me to stay in my home. I can afford a mortgage at a lower rate than I had previously, but all the bank will offer is a much higher rate with a 40 year term ( I will likely be dead at this point ). During this period I have also attempted to sell the home unsuccessfully either as a short sale, or for an amount that would satisfy the outstanding US Bank Debt. The process for resolving mortgage issues is laiden by a XXXX XXXX bureaucracy that is incomprehensible which, rather than providing affordable solutions to struggling home owners, forces them into greater debt for longer periods of time. Qualification for the HAMP program is also a puzzle - I initiated my loan prior to the cutoff date, but now am being denied consideration because I modified the loan after the cutoff date. Any banking official with a reasonable IQ can understand that it is in the bank 's interest to create a mortgage agreement on a 30 year term that I can afford ( I can afford {$2200.00} with taxes and insurance ), rather than force me into foreclosure and lose money on the house after it sits unmaintained and uninhabitated for a long period of time then sold on the auction block - yet I ca n't get a decision maker on the phone to see the logic in this.
Equifax is using their data hacking situation to scam consumers to purchase their credit tracking product once they are identified they are victims of the cybersecurity breach. When consumers contact Equifax to learn if they are victims for the recent Equifax fiasco, they are asked to enter their identity information to confirm if they are a victim. Once Equifax identifies that the consumer 's information has been hacked, they transfer the consumer to their XXXX XXXX XXXX product. This product provides the consumer with a skeleton information of their credit information ( barely any information at all ). If the consumer  complaints, Equifax forces the consumer to acquire their full spectrum of their credit tracking product at a heafty fee.
In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX XXXX XXXX # act:XXXX {$15000.00} this company appears to not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
To whom it may concern, I was a customer with chase slate for many years with no history of any late or delinquent payments. Although i had an open account with them i did not use the credit card for any purchases during 2017, to my surprise my credit score dropped due to a negative report by this chase credit card. When i contacted them I was informed there was an XXXX subscription charge in XX/XX/2017. I informed chase that i had no idea about this charge, as i received no electronic notification of a bill. Furthermore I was unaware of the subscription charge by XXXX to this particular account. Due to such circumstances, and my overall 15 plus year of stellar credit history where i never missed a payment I kindly requested chase to take the circumstances into consideration emphasizing that i had never missed a payment in the past. They refused which subsequently harmed my ability to apply for a business credit card.
left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message. 

If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.