WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased my home XX/XX/XXXX. Property taxes were high XXXX {$1800.00} XXXX because no one had occupied the home for about a year. Last month, I noticed that my mortgage payment with Freedom Mortgage drastically increased for the XXXX billing period. It went from {$820.00} to {$1000.00}. They said it was from property taxes. They had based their escrow analysis on last year 's property taxes, which were much higher than they are this year because I filed for the homestead exemption XX/XX/XXXX. Property taxes for this year are {$830.00}. I called and they stated to fax in the estimated taxes for this year. I went to XXXX XXXX tax assessor 's office and they gave me a print-out of the estimate and I faxed it in. I called about 2 weeks later checking on the status ( on XXXX XXXX ). They stated that the estimate was " incomplete '', so it could not be processed, even though it had all the necessary information regarding my home and taxes. By that time I had received the actual property tax bill, so I sent in the bill along with the form from my tax assessor 's office stating that I had filed for homestead last year. I explained to the representative that the extra cost on my mortgage payment was placing a financial hardship on my family. The representative stated that she could have the escrow waved for XXXX and would have that tax information expedited in order to get my taxes corrected ASAP. She stated that I could pay my normal payment for XXXX, which was {$810.00}. She took my payment over the phone. XX/XX/XXXX I called to check on the status. The representative stated that she could not see where the tax dept received any of my information ( basically nothing had been done XXXX. She stated she looked up the bill on XXXX XXXX tax department 's website and would put that on file and make sure it got the the tax department. She stated that Freedom Mortgage could not accept my payment made XX/XX/XXXX as a full payment, that I needed to pay the remainder of {$210.00} today for my loan to be current or else I would incur late fees. I made the payment over the phone XX/XX/XXXX. She stated that I would more than likely have to pay the {$1000.00} in XXXX as well. She stated there was no way around it. My complaint is that this should have been taken care of the first time when I sent in the property tax information that came directly from my tax assessor 's office. This is the third time that property taxes have been sent to the tax department, the first 2 times were unsuccessful ; I am hoping the third time 's the charm. I can not afford the extra {$210.00} tacked on to my mortgage payment for an error/carelessness on THEIR side. Every time I call I just wonder if something is actually going to be done or if I am going to find out in 2 weeks that nothing was taken care of. They are probably prolonging this so they can get more money from me.
I qualified for a loan forgiveness program in XXXX and my loan was forgiven and deleted from my credit report. In XXXX, I filed my taxes and they were intercepted for and outstanding student loan. This is the same loan that was supposed to be forgiven. I filed and appeal, I tried to contact the company. But I have yet to get a straight answer. There was one rep that said they started a new computer system and the old system that would have record of my loan being dismissed is now obsolete.
Did n't know how to or where to repay my loan. It was hard to get other options for payment plans besides deferring my loan. Now, I have more interest added and ca n't afford my monthly payments.
I did not make this purchase : XXXX/XXXX/XXXX XXXX  XXXX XXXX {$190.00} I did n't make any of these either : XXXX/XXXX/XXXX Auth : XXXX Payments {$19.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$120.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$110.00} XXXX/XXXX/XXXX XXXX XXXX XXXX Ca {$59.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$730.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$29.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$12.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00} XXXX/XXXX/XXXX XXXX XXXX XXXX  {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$590.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XXXX/XXXX/XXXX XXXX XXXX Ny {$160.00} I did n't. I do n't know who did. I have n't done any business or received anything from them. I figure my card was stolen and I reported that months ago. I have no choice but to continue complaining until the situation is totally resolved.
We rented an apartment from the XXXX ( located XXXX, OK XXXX ) from XXXX XXXX to XXXX XXXX. The lease converted to a month to month agreement. In XXXX XXXX, we ended our lease after finding a larger place for our family. Over time, we decided to review our credit reports in hopes to find a home. We noticed a collection agency ( called NCC Business Services ) claiming we owed a debt of {$900.00} under a joint account. XXXX of XXXX we contacted the XXXX and spoke to an agent named XXXX who verified a cleaning fee was due in the amount of {$780.00}. I asked why documentation was never mailed to us giving us an opportunity to pay on the bill and the breakdown of the cleaning fees. The agent claims she did not work at the apartment complex during the time of the ending of our lease and was unable to provide proof of the breakdown of charges. She advised she would forward the information to corporate and will have them send the breakdown of charges to our current address ( the same forwarding address left on file ). To this date we have yet to receive any documentation from the corporate office or a phone number where they can be reached. The collection agency still shows this entry as being an active open account on our credit reports which we feel is quite unfair since we 've never been informed a bill was owed in the first place. We feel since the apartment complex, their corporate office, or the collection agency are unable to provide any documented proof of these charges, we would request this debt be removed from our reports asap.
I had previously submitted a complaint # XXXX against XXXX XXXX Bank that was successfully resolved in XXXX XXXX. It seems XXXX XXXX Bank has merged with KeyBank and now the same issue is happening. I retired in XXXX for health issues. Now living on fixed income. My payment is late every month I acknowledge I am unable to pay on due date because of the time of month my pension is received. I have not missed a payment in 4 years & pay late fee each month. Every month the bank would call everyday at least once despite my asking them in writing more than once not to. They claimed to have not received the letters despite receiving the payment attached to them. At that time the harassing calls stopped. Now the calls have begun again under KeyBank & they have even called my husbands cell phone & he is not on the account. Today I spoke to a representative asking again to not call me & to send all communication by mail. Please advise.
Despite several disputes and complaints, United Revenue Corp is still reporting false information. My previous complaint requested full debt validation, such as signed paperwork from me that I owe this debt. The company has sent me several bills ( attached to this complaint ) and saying it 's valid but have not provided proof of debt. A bill is not proof of debt. To my knowledge I 've never had business with this company. Please provide VALID PROOF of debt, such as a signed contract by me, date of service, and breakdown of bill, only then I will negotiate a settlement.
I purchased a XXXX Volkswagen on XX/XX/XXXX and was financed by Regions Bank. My first payment began XX/XX/XXXX. To date, I have requested by phone, email, and postal mail that someone from that company to please send me an itemized statement of all payments received and have not received any response. The car payments was not initially behind until XX/XX/XXXX. I could not understand how the car payments had become behind. I had made several payments in cash at the local branch banks and they were not all calculated correctly even after I submitted receipts of payment. I even emailed the accounts manager at the local branch in XXXX XXXX and there have been no adjustments. This company is continuing to take my money and then report me to all three credit bureau 's as consistently late. I need help!
They called me and used a false name saying they were from the XXXX XXXX XXXX and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business.

When I called back and asked what firm they were a part of they did not tell me they just said they were the XXXX XXXX XXXX and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me.

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is XXXX XXXX XXXX not XXXX XXXX XXXX

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
I need my payment recast after making a large principal payment in XX/XX/XXXX. I called Ditech before making the payment and was told it would be done " automatically ''. It was not, so I called again in late XX/XX/XXXX, and despite a 30 day turnaround requirement for XXXX, I got no reply until I was sent a modfication document in XX/XX/XXXX ( received AFTER the deadline to return it ). In the meantime I have been making the full invoiced payments, but Ditech has put my " funds in suspense '' and I have received weekly harassing phone calls for payment. I finally spoke to a woman who promised to correct the documents ( not accurate, because " they ca n't change the XXXX form '' to use the correct dates ) and I demanded an accounting of how my last three payments have been applied. I am still waiting for that. This is 4 months since the initial principal payment, and they took 2 months to reply after I made an " official '' request for a recalculation. This still has not been done properly -- and in the meantime I have been making my full invoiced payments and have been harassed with collection phone calls about non-payment for funds -- that have been paid and put in " funds in suspense '' by Ditech themselves. I would like to have the recalculation done properly ( with a backup of their calculations ) and a guarantee that all my recent overpayments are applied to principal ; to make sure their math is correct and that they I receive some compensation for their violations of law and abysmal and abusive treatment of me.
Fay Servicing  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .   XXXX   had  1st  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in   XXXX    2014 t he property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien/DT was wiped out at  XXXX  foreclosure.  XXXX  sold the loan to  Faye Financial  as a mortgage. We do not owe them anything. A simple title search by Faye would reveal this. I have made ov er seven differ ent phone calls to  Faye Servicing  over the la st  two  m onths and they refuse to discuss it with me and the  manager has refused to return my call. Faye has no lien. They NEED to do their own title search & tha t alone will show them that the loan they purchased was wiped out by  XXXX  foreclosure  X/XX/  2014 d ue to it being in a  Jr. lien  position. I do not own the property nor is this loan a mortgage.
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Citi Dividend Card to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$800.00} on XX/XX/2017. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
I have contacted Williams And Fudge via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Williams And Fudge for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that Williams And Fudge mailed as explained in the letter that was mailed.Therefore if Williams And Fudge can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.
For the past 6 months I have tried to work with Experian and have XXXX improperly placed accounts removed from my credit. I do understand mistakes happen but i am having problems with them correcting the error. 
XXXX Account Number XXXX BK Reference # XXXX
I have reported Nations Lending Corp of OH for discriminating against my husbands XXXX. The case number is XXXX. They have been ignoring our multiple requests for a reasonable accommodations by sending conversations by text or email, including their investigation. On XX/XX/XXXX we received two letters, post marked on XX/XX/XXXX, detailing that we were denied credit on the same day we reported them to this office ( XX/XX/XXXX ). They are dated to be sent on XX/XX/XXXX, yet are time stamped XXXX on XX/XX/XXXX by XXXX XXXX . They are backdating these denial letters to cover for their discrimination of my husbands XXXX. On his letter they do not even have his credit score on all three reports, even though he has a score on XXXX. My letter has the wrong name, XXXX XXXX, it has XXXX XXXX XXXX and my maiden name of XXXX is used on my social security number and all of my financial records ( taxes, credit card and employment ). How was a credit report done using my social security number and the wrong name? I have checked my credit multiple times and have never seen them at the numbers presented either. We had been approved prior to this and was told during our call with the customer complaint investigator that she saw no reason for our loan to be denied. I must conclude that they are violating my husbands rights and denying our loan due to his XXXX. He has rights under the Americans with XXXX XXXX to have his XXXX respected and not ignored to scam us. Trying to cover this up they have falsified credit documents. These letters are signed by a XXXX XXXX, with just a XXXX and dated for XX/XX/XXXX, even though they are printed on XX/XX/XXXX at XXXX. I feel this company is a scam.
I am making another complaint in regards to the bankruptcy that is reporting on my credit. I would like to reiterate that this bankruptcy does NOT belong to me and if they had taken the time to look at the major factors that they had in their hands they would have not bothered to send the documents to me and would have in fact removed it. 

Fact # 1 : The signatures on the bankruptcy do NOT belong to me, were not made by me and I have included enlarged images of my CA state driver 's license as well as my passport for you to see the blatant differences. 
Fact # 2 : Not only was I not in the country during the date it was filed, I was not in the country during the entire year. I was out of the country from XX/XX/XXXX-XX/XX/XXXX and I am enclosing enlarged images directly from my passport which verifies this information with border stamps. 
Fact # 3 : The accounts included in the bankruptcy are not only not my accounts, but they are not even on my credit report. 

Where is their professional handwriting analysis? Where 's the affidavit that I requested? Because they have failed to remove this from my report and still " verify '' that it belongs to me, that means that they are XXXX certain it belongs to me. That also means that they should have absolutely no problem signing an affidavit, swearing under penalty of perjury, that it belongs to me. It will go great with the proof I have that this is in no way associated with me. 

I pulled the bankruptcy petition from the pacer system ( apparently the same place they obtained it from ) and am including it with this letter, notating exactly where they are incorrect. 

If this bankruptcy is not removed immediately, not only will I make a press release, but I will make another complaint with the XXXX, CA Attorney General as well as take them to court where they will need to explain why this is still on my credit report. 

US BK CT XXXX XXXX Docket # XXXX - this bankruptcy does not belong to me, nor was it filed by me or have anything to do with me.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is 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 UNAUTHORIZED.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job
Called the customer service for the XXXX XXXX XXXX card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that XXXX reported a complaint.  The Credit specialist at XXXX is not giving me much information or having this resolved.
BB & T linked my sister 's and my credit card, because my mother was on both accounts, my sister went and accidentally redeemed credit card rewards from my points, not realizing they were linked, and when we called the bank to straighten it out, apparently they had added my sister to my credit card ( no signatures, paperwork, or permissions were given for this to happen ) and I was removed as a party on MY credit card and replaced as an authorized user, while my sister was given control of my account. BB & T acknowledged confusion, but said I couldn't do anything to get myself on the account even though it was opened in my name, I get the statements and pay them every month, and even have the tangible credit card with my name on it. They said only my sister could or mother could access MY account, even when the account was not opened in her name, nor paperwork signed to authorize her to be a user on my account. I then went to close my credit card, checking, and savings account with the bank because I am FURIOUS, and I'm not even allowed to close it, I can just remove my name as an authorized user. They refuse to correct their mistake, and I've spent two hours on hold and talking to two different reps and two different supervisors and the only thing they will tell me is to just open a new account in my name ... even though I already have an account.
On  XXXX   XXXX ,  2017  I submitted letters to  XXXX  requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.      XXXX  addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.
The debit is from prior to XX/XX/XXXX. XXXX XXXX from XXXX XXXX XXXX, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. 

I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said XXXX XXXX XXXX can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. 

I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. 

I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. 

In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.