WillisBack/dataset-financial-user-claim huggingface dataset:
I refinanced in XX/XX/XXXX No payment in XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX was {$930.00}. THEN I received a Annual Escrow report that said my payment for XX/XX/XXXX would start {$900.00}, I paid that amount ALL through XX/XX/XXXX. I THEN received a NEW Annual Escrow report that says my payment starting XX/XX/XXXX through XX/XX/XXXX will be {$950.00} ( which is HIGHER then my refinance agreement WITHOUT my Insurance OR Taxes going up )?? When I called to ask them WHY it was going up, I had talked to like XXXX different people that could n't give me an answer. I finally talked to a supervisor that said it was because my PMI went up and sent me then to a PMI XXXX, XXXX notes will be attached of the people that I talked with ). I was then told that my PMI was paid BY them during XX/XX/XXXX and now I had to pay them back for XX/XX/XXXX and also then pay monthly different for XX/XX/XXXX. My insurance and taxes DID NOT raise, they said that the know that and it was all due to PMI. They told me if I did n't like it to file a complaint with you guys. I talked to a few different Mortgage brokers and THEY ALL told me the same thing, " that my PMI CAN NOT go up. '' because of a RESPA guidelines. They could not believe that Nationstar was so rude to me and not helpful, and then told me to file a complaint with you guys. Please help me figure this out and fix it so that they do not continue to try to do this kind of wrong with others. I have all kinds of documents that will be attached to this complaint to hopefully help someone figure out an answer for me.
A while ago I called navient to tell them I wanted to increase the amount they took from my bank monthly for my student loan repayment. I wanted {$270.00} taken out instead of the minimum monthly payment. A few years later, I took a new job, and a slight pay decrease, and I called Navient back to reduce what they took from my bank back to the minimum monthly payment. What they did when I called the first time to increase what they took was rewrote my loan so that {$270.00} was the minimum monthly payment. So anything I thought I was paying over the minimum was not used as such. I requested an investigation into this over a year ago and have not heard an single word from them. Is what they did legal?
To Whom it May Concern, I took out two private student loan accounts during medical school with XXXX. These two accounts were in deferment during my XXXX XXXX. In XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " XXXX XXXX '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of XXXX XXXX and settled at {$19000.00}. The second account was in the amount of XXXX XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted XXXX on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that XXXX can not find me in their system by either my SSN, name, date of birth or the XXXX account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on XXXX 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. XXXX is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Equifax had a security breach that they did not tell consumers about until months after the fact. This breach leaves me very vulnerable, as it gives away all information that is needed to take on my identity. There was no way I could have protected myself against it because Equifax had control over my data without my permission. 

Now I have to freeze my credit reports ( including with Equifax ), which incurs a fee and additional administrative work to unfreeze if I want to change apartments, for example. However, the data that Equifax leaked can be used to unfreeze my credit reports, defeating the entire purpose. Equifax has not offered any reliable mitigation to the risk of identity theft - offering free credit monitoring with the caveat that we can not sue them is worse than other solutions they could have used, for example offering free credit freezing. 

This situation shows that Equifax can not be trusted with this important personal data, however I have no power to stop them from having control over my credit or my data.
On XXXX I received a Home Depot bill reflecting charges of XXXX which I did not make or authorize anyone else to make. I contacted Home Depot on XXXX, spoke to XXXX, employee ID XXXX and told him the charges were fradulent. He said I would receive an affidavit within 7 to 10 business days. I never received the affidavit. 
I filed an online incident report with Fresno County Sherrif office. 
On XXXX I received another Home Depot bill reflecting additional new charges that totalled XXXX. I contacted Home Depot again and spoke to XXXX, employee ID XXXX. I told him I did not make or authorize anyone else to make these additional charges and had not received an affidavit. He said he would send a new affidavit in 7 to 10 business days. I never received the second affidavit. 
On XXXX I received a letter from Home Depot stating that I was responsible for all the charges. I contacted XXXX, a company that assists people who have sustained identity theft. This company was hired by my previous employer because they had a data security breach. 
Together XXXX and I contacted Home Depot ( CITI Bank XXXX spoke to XXXX, employee ID XXXX and explained the situation to her. She said she would transition the fradulent charges to a fraud account, send an affidavit and I should receive it within 7 to 10 business days. I never received the third affidavit. 
On XXXX I contacted XXXX who advised me to file a complaint with CFPB. I do not have access to a scanner to scan all documents. I would like the opportunity to include more documentation.
This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. XXXX XXXX charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what XXXX  XXXX reported. I have submitted to you documents showing this is wrong.
I consolidated my loans several years ago after threats because I could n't pay my loans. I have been paying for years, first XXXX then Navient. I recently requested a breakdown of my debt. On the national student loan database, there are loans I can not account for and wanted to know where they came from. Navient directed me to student loans.gov, who told me my serviced ( Navient ) should have my paperwork to verify my loans. Repeated requests to provide that have gone unanswered.
Company states they can get you a 0 % credit card. The recording states press 3 to have the calling stop. Which I have done a number of time with no success. I have spoken to a representative and told them to stop with no success.
I have had a Citibank MasterCard for years. Just recently I received a master card renewal. But a week or so later I also received from Citibank a new Citi American Express card. I never requested an American Express card. This feels very much like when XXXX XXXX issued me a credit card years ago without me ever requesting it. Ive heard that canceling a credit card can add a ding to my credit report. Im not sure if that will be the case if I cancel this AMEX card that I never requested.
I had a hail claim in which I had to mail the check to get a signature from Roundpoint Morgage, I sent by priority mail on XXXX/XXXX/16. After a week I called Roundpoint and they told me that they needed more information. They did not call me, I had to call them to find out that they needed more information endorse the check. I gave Roundpoint authorization to speak to both XXXX XXXX and XXXX. On XXXX XXXX, they told me again that they neede/d more information. However I have been told by XXXX and XXXX that Roundpoin/t refused to speak with either company. I got Roundpoint on the phone with XXXX on XXXX/XXXX/16 and information was sent to Roundpoint. They said they would mail the check for {$10000.00}. I asked them to overnight the check and the representative said he spoke with his supervisor and said they would. On XXXX/XXXX/16 I called because no check came in. Roundpoint had no record of the conversation we had the day before! I have asked them by what authority do they have to even hold such a check up and they have refused to provide me with any documentation to such an agreement. At this point I have an upset roofer who is threatening me with late charges and a mortgage company who does who refuses to speak with the XXXX or XXXX, even though I have given them the phone number of my agent at XXXX, then can not even find the record where I had XXXX on the phone, all Information they requested was sent to them and they promised to overnight the check! In short, Roundpoint is incompetent. Mortgage property address is XXXX XXXX not my mailing address.
My mortgage was bo ught by Nationstar  from  XXXX   XXXX  in  XXXX . M y Trust  handled by my attorney set up automatic payments through my bank not through    Nationstar. It was on auto pay for 19 months, then with no warning they blocked my payments. My bank informed my atty that it would not accept pyt. By the time it was caught and my bank called Nationstar they then accepted the two payments but did n't remove the 2 lat e payments from credit. They stopped the auto pay when I was refinancing somewhere else. As I was about to close on the new mortgage  Nationstar sta ted they no explanation why they took it off the auto pay making me late, now unfairly forced in to a 6month modi fication instead of a refi. 10.25 % on a  XXXX  $ loan done by dad is too high. This was an inheirted predatory loan by  XXXX   XXXX  done in  XXXX  with my dad. There are  3yrs m issing from the loan. I have documentation shows  XXXX  not  XXXX , payments are missing that I have receipts for, I have ample evidence from  XXXX  including newspaper articles, insurance papers, government papers all showing the Mortgage in  XXXX . Nationstar has been alerted to this however, they still blocked auto pay after 19 months no warning or explanation why. I was also in accident during this time, had no concerns as it was on auto pay all this time. Even with po! ice reports and hospital notes, they still made me late on purpose to stop my refi with another company. I was told by  Nationstar not to waste my time trying to refi with them to go elsewhere, now I 'm forced to a modification, 6months and still no answer. The two pyts they blocked are now on my report, they should remove tho se so I can refi. They stopped automatic payments after 19 months?? then said I was late. Also payments missing I requested my payments history that 's when I found missing paymen ts and 3 yrs mi ssing off mortgage from  XXXX   XXXX . I just wanted a better rate than over 10. % they do not have my original loan documents from  XXXX   XXXX , I still have documents not signed by my dad. He passed in  XXXX .  XXXX   XXXX  wanted me to proceed with a modification after his death under his name and I  XXXX ! ined. Now since  XXXX  did this, instead of refi I 'm  6months  in to a modification. Still waiting.
Called Discover to dispute chargers under XXXX XXXX XXXX around in XX/XX/XXXX after trying to resolve issue with the company. Discover gave me the credit, but retracted back. I provided enough information to Discover, and clearly stated that those charges where not allowed. Company was really fishy, not returning calls, which phone number was only one, and it was the only way to get a hold of anyone. Discover postponed the evaluation, and finally declined my disputes after knowing that company closed on XX/XX/XXXX. Company/Seller never replied to Discover. I submitted proof of attempted getting something in writing, but how will the company reply when the company was planning to close and steal my money without me knowing. The companys phone number was only one, never return calls, and when i finally get the email, no reply whatsoever. Discover is saying that the charges are valid because the company/seller didnt confirm cancelation. The last call i made was on XX/XX/XXXX, and customer service/dispute told me she couldnt do anything. When i asked to speak with someone else, she did not direct me to anyone. I provided enough proof and clearly stated that the company was scamming me. Now Discover is making pay {$1700.00} when the company/seller was a complete scam, and Discover only  excuse is that the company didnt reply. Please help.
Today is X/X/2017. I have spoken with Wells Fargo Dealer Services on several occasions and submitted proof of payment from XX/XX/XXXX 2017 to XX/XX/XXXX 2017. I am up to date on all payments however I am constantly receiving calls twice a day, 6 days a week from Wells Fargo even after speaking with them and sending in proof of 2017s payment history with proof of certified documents delivered and received.
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The issues started, when I submitted a money order to Wells Fargo in XX/XX/XXXX 2017. I noted on the money order for the payment to be applied to the principal. Wells Fargo conveniently claimed they never received my money order in the mail. I had to cancel the money order and wait for a new one to be reissued through XXXX XXXXX. The process took over 30 days for the money order to be traced and refunded. When I finally received the money order I re-submitted it to Wells Fargo through certified mail. I also submitted several money orders in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 2017. <P/>However, Wells Fargo is continuing to play games claiming I still owe two back payments plus XXXX in late fees. This company calls me every day attempting to collect money that I do not owe. Im also receiving calls from the repossession department. The problem has gotten out of control with Wells Fargo and this company continues to violate my rights under the Fair Debt Collection Practices Act. My only option was to file a claim and reach out to the necessary authorities because of Wells Fargos deceptive business practices. <P/>Wells Fargo is a predatory lending company. My car loan originally included a loan Packed with Junk Fees like gap insurance and a vehicle service contract. A car valued at XXXX sold at XXXX ( through the dealership ) ended up costing me nearly XXXX. Wells Fargo and the dealership already got over on me, and Wells Fargo is continuing to beat me out of more hard-earned money and now attempting to make an illegal repossession. <P/>Wells Fargo does not have the right to continue to use repossession as a threat under the Fair Debt Collection Practices Act because You can not use false or misleading representations to collect a debt. Wells Fargo does not have the right to continue to call my business phone twice a day six days a week after I have submitted proof of payment and after I have repeatedly asked them to investigate the matter and to seize all contact to my business line. <P/>Wells Fargo does not have the right to continue to falsify actual payments received or the legal status of any debt ; the following conduct is a violation of section 808 Unfair practices and 807 false or misleading representations. Wells Fargo does not have the right to withhold sent payments and to refuse to credit my account. Wells Fargo is not willing to comply or investigate the matter simply because they dont have to and I dont have the authority to force them to abide by the rules and regulations. So, I am reporting them and seeking some form of resolution with Wells Fargo Dealership Services.
had account with   XXXX   XXXX   in   XXXX   XXXX    florida around 2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months. I do not have my old account number. want it removed immediately
I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. 

I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. 

On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. 

At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.
I have sent numerous correspondence to the Equifax, XXXX XXXX XXXX in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under XXXX XXXX XXXX a ) ( XXXX XXXX ( XXXX XXXX & XXXX XXXX XXXX a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). I have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
I have tried to dispute several items in my report but Equifax tells me that the information that I give them is incorrect and I ca n't proceed with the dispute. I have previoulsy disputed XXXX other item which they accepted ( but have n't finished their investigation ), and used the same informaton that I used for the accepted dispute. Additionally, they dropped my credit score XXXX POINTS without giving me a reason. Nothing had changed on my report for the last three years. XXXX XXXX has the same information and their score is XXXX points higher!!! Could it be that Equifax is making me pay for the dispute I put in and they accepted????
Filed a complaint againt Chase mortgage company in the beginning of the year because I was having a problem with a short sale after the other owner passed away in XXXX. I have been trying to sell the property since XX/XX/XXXX. As if today, they are still giving me the run around.I was contacted by a employee from their executive office about this matter. She stated to me that I would not need a administrator or executor of his estate to sell the house because i was on the mortgage and note. I had a cash buyer and we were suppose to close by XX/XX/XXXX. Three days before this date, Chase decided that I was not on the title and would need someone for his estate to sell the property after they told me in a message and in documents that I didn't. I was contacted in XXXX by the executive office that I could sell the house myself, so why would they wait until it's time to close to come up with this. All Chase does is ask for the same documents a million times when they already know that they are going to hold on to the property as long as they can. It's been 1 year and 8 months trying to get this short sale done. This is why there are so many abandoned houses in the city of XXXX because when you try to do the right thing and sell the property instead of walking away from it banks like Chase give you the run around. Please do not get a loan for anything with this company. YOU WILL REGRET IT IN THE END.
My XXXX credit card was closed on early this year because I was not making my payments. I contacted XXXX through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Hi there. In XXXX 2015 I refinanced my mortgage through XXXX XXXX Bank, and after a sale or XXXX, it ended up with XXXX XXXX XXXX XXXX. My manual online bill pay payments went through fine for the first XXXX payments, and seemed to go through fine on my end for XXXX and XXXX, but then I received a letter saying my loan was in default and I 've been reported to the credit agency, etc. Nothing on my end changed. I did n't touch any settings in my online bill pay. I have a really strong credit score ( XXXX I think ), and was obviously distrubed by this, and have submitted proof of payment per their specifications multiple times, and have been on the phone with their reps, and there has still been no resolution. My XXXX payment seemed to go through fine.
On XXXX XXXX, XXXX I made a purchase on line with XXXX tickets with XXXX via American Express card. Immediately the prices were different as advertised so I called Amex to cancell the transactions, the agent said I needed to call the merchant, so I did and the next bill it was removed and credited. Untill the following bill XXXX XXXX the amount was added to my acct. So I disputed this with Amex and they later sent me a copy from XXXX that they had a glitch in there billing system and that they credited my sales by mistake. Than I submitted proof of my cancellation through XXXX phone logs. So Amex has been in cahoots with XXXX to keep this charge. It doesnt matter that Ive ben a loyal Amex customer for 17 years, to no solution.