WillisBack/dataset-financial-user-claim huggingface dataset:
Taxes are not being paid from escrow ; XXXX XXXX 's property taxes were not paid in full. 
XX/XX/XXXX 's Irrigation Tax was not paid at all. 
XX/XX/XXXX 's property taxes were not paid. 

We received a delinquent tax notice from our county assessors office on XX/XX/XXXX. Since XX/XX/XXXX we have contacted Lakeview Loan Servicing LLC 17 times, have been told on 4 occasions that they would be paid but they are still delinquent. Also note, our XXXX form XXXX is incorrect as it does not reflect all taxes for XXXX that should have been paid since only a portion was paid. 

Dates of contact XX/XX/XXXX XXXX calls to lakeview to initiate correction of delinquent taxes XX/XX/XXXX 2 follow up calls to learn what action would be taken told they would be paid soon XX/XX/XXXX 1 follow up call XX/XX/XXXX 1 follow up call was told the taxes would be paid in a few days XXXX/XXXX/XXXX 1 follow up call XX/XX/XXXX 4 calls was told the taxes would be paid no later than XX/XX/XXXX XX/XX/XXXX 1 call to determine why they weren't paid on XX/XX/XXXX - no reason given XX/XX/XXXX 1 call was told they would be paid on XX/XX/XXXX XX/XX/XXXX 2 calls to determine why they were not paid on XX/XX/XXXX - nobody knows why or when they will be paid at this point.
On Saturday, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " XXXX '' credit bureau. However, on " Page XXXX of XXXX, '' under the " Account Review Inquires '' it unlawfully notes that a Debt Collection agency called " Diversified Consultants '' unlawfully accessed my " XXXX credit file and then posted a false " Collection '' notation on to it dated " XX/XX/XXXX. '' This " Diversified Consultants '' company intentionally violated my " Due Process Rights '' per the ( Federal ) Fair Credit Reporting Act because I was NEVER contacted in any way by this Debt Collection agency. Furthermore, it does NOT even state the alleged " Amount '' of Debt that it 's trying to collect NOR does it state " What '' type of Debt it is.
My auto loan with Capital One Auto Finance was Charged Off effective XXXX XXXX, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. 

The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future date. 

Their representative would call me within a week prior to my promise date ; several times daily, and demand payment in lieu of our payment plan. I 'd inquire if my account was notated with the promise for payment. They would give me inconsistent responses, either our arrangement was notated on my account and/or it was n't on file. 

This miscommunication happened several times, and several times I 'd escalate the call to a Supervisory or Management level. I would explain my discontent with their untimely collection practices for payment prior to our agreed upon promise date for payment. I ultimately requested only written correspondence per my auto loan details. 
Please note that my Charged Off auto loan affects my ability to obtain employment with a prospective employer. An new hire opportunity for myself is contingent upon resolution of the Charged Off loan.
I am referring to case number XXXX. 
I.C.System collection agency has posted a fraudulent collection on my credit report. 
XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. 
My dog was treated four times. 
According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. 
I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.
This is a complaint against Chase 's online bill pay. After talking with them on 3 occasions since Saturday XXXX/XXXX/XXXX, they acknowledge fault of this issue but say they 're unable to help me. 

XXXX - I configured online bill pay at Chase to send 60 payments to the car finance company, the first of which to go out on XXXX/XXXX/XXXX and reoccur on the XXXX of each month. 

XXXX/XXXX/XXXX - The final payment in a 60-payment series was sent. 

XXXX/XXXX/XXXX - I checked the payoff amount with the finance company after the auto payment was sent and there was a reported {$0.00} discrepancy. Not wanting to drag out receipt of my title and eager to close my account, I sent a one-off payment of the {$0.00} balance. 

XXXX/XXXX/XXXX I received notification from the finance company that they rejected the {$0.00} payment due to the account being closed. They either waived the difference due to its small amount, or the website didnt yet take into account the final payment. Either way, not a big deal. 

XXXX/XXXX/XXXX I also received notice from Chase via online secure message center that the {$0.00} payment was rejected and that We now need days to complete your payment and that if I set up a repeating payment theyll send it in time for the scheduled delivered-by date. 

Theyre making an assumption here that because XXXX rejected the electronic payment, future payments must be made by paper check. This is of no consequence to me, however, since the final payment already went out. But it turns out that it is my problem XXXX/XXXX/XXXX XXXX sends a 61st payment out. 

XXXX/XXXX/XXXX I contact Chase to find out why this happened and get bounced between 4 different departments. Im told its a paper check that went out, which means I would be able to put a stop on it. But then Chase says they cant do that because the finance company already accepted the payment and they couldnt reverse the debit. How could they have accepted a paper check in 1 day? How is a payment both electronic and a paper check? 

XXXX/XXXX/XXXX After some back and forth with Chases online research department, they say it was, in fact, an electronic transmission of the funds. Even if it was my mistake that caused a 61st payment to go out, they had no reason or right to change the day that was going to happen. I could have seen the payment scheduled online in time and canceled it before it went out. At the very least, instead of changing when my payment was going to go out, they could have just kept it at as a notification that I should review the payment method and leave it to me to make that decision. They agree with me that they were wrong, but then say they cant do anything about it. 

In the meantime, the finance company has my money in limbo for 7-10 days until they return the payment. Im like most Americans living paycheck to paycheck and have to deplete my minimal savings and put groceries on a credit card so my family can eat.
TL ; DR Chase cant count to 60, makes assumptions they shouldnt, changes to send dates of payments they shouldnt be allowed to, and then cant support or justify the assumptions and decisions they made.
Paypal went ahead and put limitations on my account for legitimate transactions of goods that I have conducted with eBay and other companies all legitimate. They requested a bunch of documents to verify who I was and I complied within two hours. They then sent me a letter asking for invoices or receipts for merchandise sold on eBay and I did. I called because I did need my funds and they said the information was sufficient but now I had another account and I explained I did n't and there was fraudulent activity going on, even faxing them documentation. They just seem intent on keeping the money and continue asking for more and more information for merchandise that has already been paid for and I need my funds for.
I applied for a secured with Citibank about 3 weeks ago. It was denied due to bankruptcy. When I concacted the credit bureaus, they told me there is NO BANKRUPTCY!! ( I knew there wasn't ; but I called just to appease Citibank ). 
I contacted Citicards fraud department and they said there were 2 cards opened in XX/XX/1986 in my name. They told me they were going to remove them. I spoke with a XXXX, and he assured me it would be taken care of and he would return my call on Tuesday. Since I didn't hear from I've been on the phone with Citibank for HOURS for the past few days trying to get this resolved. Last night they told me it was resolved and today I could reapply for a secured card. Once again it was declined for the same reason! 
I want this fixed ASAP! 
I just spoke with XXXX in the Fraud Department and he told me to try again. I'M STILL BEING DECLINED AND THERE IS NO REASON FOR IT!!
my name is XXXX XXXX and i currently reside at XXXX XXXX XXXX XXXX XXXX XXXX.as i was reviewing my credit report i notice there are items listed on my credit report.that does't belong to me.i want to verify that my name is spelled XXXX XXXX and not in any other way.the only credit card that i had applied are from XXXX account # XXXXand XXXX account # XXXXalso.the only adresses that i lived are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are credit cards listed on the credit report that i had never applied before nor had i lived on the adress that listed on the credit report. 
please remove all other items that did n't belong to me. 
thank you for correcting my credit report. 
your help is greatly appreciated
XXXX XXXX did car loan for me, I had to pay payment on the XXXX of every month. So they put me down as missed payments on my credit report. I never missed a payment at all. I traded the car in when it was almost paid off, XXXX XXXX NEGLECTED to tell me that I could change my payment due date so the payments were always late. Most car loans have a grace period ( 10 days ) in which they can receive the payment, these people said that they do n't do that. I want that missed payments on my credit report taken OFF because the payments were not MISSED they were only LATE. I do n't have any paperwork or receipts to show the payments because I had a fire and lost a lot of my stuff. I hope you can help me because this is really stressing me out, I want to buy a home but I ca n't with my credit report.
I paid for monthly membership for the past few months and was never able to access an updated credit report and score. Everytime I called in, they would only apologize but never refund or credit my account. I still can not access it online updated.
Transunion,   XXXX  , and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more than two years and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from TransUnion and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the   XXXX   from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.
Experian has refused to send me a updated disclosure keeps telling me I had to buy it I explained no I do n't I am a fraud victim which has a seven year fraud alert I want my credit report I have n't viewed this in over a year
I have a Sony Card issued by Capital One. My credit line is {$6300.00}. I have had a zero balance since XX/XX/2016. I received balance transfer check offer in the mail. I wrote and mailed a check to XXXX XXXX to pay {$1800.00} on my balance. I noted on line that XXXX received the check and credited the payment. A few days later, the payment was noted as reversed. I called Capital One on XX/XX/XXXX and their rep. said that they were having a problem with the checks. he offered to process the balance transfer manually. I agreed and gave him all of the information. As of this morning all that has happened is that my available balance on the card has been reduced by {$1800.00} but no there is no evidence that the transfer has been sent. There has been no credit posted at XXXX XXXX.
In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Td Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Td Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Td Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Td Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.
We first off had told the company that they sold us a broken car and they weren't willing to fix it. We couldn't afford the payments any longer so when they came to pick up the care they threatened to Garnish my husbands wages. After they picked up the car I never heard anything else from them. I never got another call, nor received anything in the mail about what we still owed. I contacted them to ask about this and was advised of what was owed, I asked them to send me something in writing and never received anything. All of a sudden I get served a civil summons for the debt owed and on the paperwork it says I refused to pay anything and they attempted to settle the debt with me and so forth and none of that ever happened. I only knew about the debt from when I went to try and apply for a new loan and was told I had a repo and owed a balance.
OpenAccount # XXXX $ XXXXBalanceXXXX XXXX PLUS XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNotethis should have been removed a long time ago and yet it is still showing on my credit report.
Capital One sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If Capital One made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.
In XX/XX/XXXX I disputed an inaccurate item with TRANUNION Credit reporting company. TRANSUNION did the investigation and replied back as the account was verified. In XX/XX/XXXX I disputed the inaccurate account WITH TRANSUNION AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XX/XX/XXXX On XX/XX/XXXX I sent in another certified letter to TRANSUNION I have copies of the mail receipt that I sent the letter certified to TRANSUNION,, The letter was METHOD OF VERFICATION. I ASKED TRANSUNION TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/XXXX TRANSUNION COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, TRANSUNION has violated the law, has violated my rights as a consumer ... On XX/XX/XXXX all TRANSUNION sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO TRANSUNION ON XX/XX/XXXX THEY RECEVIED MY LETTER ON XX/XX/XXXX AND HOW IS IT THAT TRANSUNION CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. TRANUNION IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
On XX/XX/XXXX, I became aware of a data breach of Equifax Credit Reporting Company. I went to Equifax 's website in order to figure out if I was affected by the data breach. I was given a date ( XX/XX/XXXX ) to check the website in order for Equifax to alert me if my data and personal information was breached and stolen. 

I checked back today ( XX/XX/XXXX ) and entered my information into the same website on Equifax. The website then stated that my information was stolen or affected by the breach. I wanted to file a CFPB complaint due to Equifax 's negligence in allowing my information to be compromised. I also wanted to make sure that I made a documented effort to rectify the situation, despite Equifax 's negligence and all around ineptitude to prevent this situation.
I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.
I notified Fifth Third bank in XX/XX/XXXX and advised that my pay check with being garnished via my husband at the time hospital bill. and that i would not make enough due to being the only one working due to the brain injury for my husband at the time. I filled out a Hardship application and was denied but continued to make the monthly payments as well as I could. I continued to make payments until XX/XX/XXXX when i was told they would not take my payment and to call the fifth third bank in XXXX. At that time i was advised that i was late so many times on my payment and that they would not except anything but the full past due payment or my account would go for foreclose. 
I have been back and forth filling out hardship applications with fifth third and on XX/XX/XXXX they sent me 3 of my last monthly payments back to me. I still have that check. 
I now have been denied again for the hardship change to my loan and they are advising me that they are going thru with the foreclosure. 

I feel that fifth third is not working with my and i have followed all their steps to prevent this from happening When i call i never get the same answer from the representatives on the phone and no one can tell me what is going on and what needs to be done.
Wells Fargo customer representative made an UNAUTHORIZED change to my account without my permission or knowledge. The representative reported a legitimate charge to the fraud department and put a stop payment on the vendor after an unpleasant exchange where I explicitly asked her not to do so. 

Subsequent Wells Fargo representatives were not helpful in resolving this issue. I had to call several times, spend more than two hours on the phone, and worked with six different representatives to address specific aspects of the problem. I am still not sure the issue is fully resolved. The entire process was unnnecessary, time-consuming, and frustrating.
Trans Union did re-insertion of derogatory items!

Trans Union was supposed to send financial compensation for that!

Financial compensation should have arrived by now!