WillisBack/dataset-financial-user-claim huggingface dataset:
I have a a unverified account fromI C SYSTEMS COLLECTIONS # XXXX. I had previously disputed this account. I have never done business with I C SYSTEMS COLLECTIONS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Home Depot sent my bill to the wrong mailing address. Once I realized it I called Home Depot corrected my address & as soon as I received the bill the bill I paid it in full, less a penalty. Despite agreeing to take the penalty off they continue to add a penalty every month.
I filed my taxes through XXXX on XX/XX/2016. My total refund was {$1200.00}, but after paying my fees for filing, I ended up getting roughly {$1200.00} back as a refund. When I noticed the money hadnt been deposited into my account after several weeks, I contacted Wells Fargo, who then told me to contact the IRS. The IRS investigated it and told me to contact the bank they use to deposit funds into bank accounts. Meanwhile, I am still trying to get Wells Fargo to help me out. So the IRS and the bank they use as a middleman both did their part, but Wells Fargo did not. Ultimately what happened was, I used the number off of a check that Wells Fargo assigned to me and put that as my account number and routing number. A check that was given to me should be associated with my accounts. As it turns out, my refund went into another bankers account. Now I have contacted Wells Fargo several times about this and nobody is doing anything to get my money into my account. No action or responsibility was taken by or has been taken by Wells Fargo.
I have XXXX complaints as a result of a refinance of our mortgage. Refinance was done with the same company servicing the original mortgage. First complaint is regarding a Forced Place Policy for Hazard Insurance put in place even though we never had a lapse in coverage. Second complaint is regarding the length of time it is taking to get a refund of our escrow money. 

1st complaint. On XXXX XXXX, XXXX I changed insurance companies. On XXXX XXXX, XXXX I cancelled the original policy. Ditech shows the cancellation notice, which was sent at the same time as the new declaration page for the new policy. In XXXX Ditech ( which was GreenTree at the time ) established a Force-Placed Policy and withdrew XXXX from the escrow account to pay for the policy. An amount that is excessive in nature ( My current annual premium is XXXX ), and should be addressed based on RESPA Section 6 ( l ) ( 3 ) Regulation X. My specific complaint is that they did not refund to us the amount in a timely fashion as identified in RESPA section 6 ( l ), which states payment should be made within 15 days. 

2nd Complaint. Once application was approved, processor did not agree with originator that funds from old escrow could be moved to new account ( which in my opinion would have helped the intention of HARP, by reducing debt and/or out of pocket expense for refinancing ). Ditech on several occasions has informed me that it can take up to 60 days from the day a loan is funded to receive a refund from the old, closed escrow account. This seems to differ from the RESPA Refund of Escrow Section 34 ( b ), which states " within 20 days ''. 

This information was found on CFPB website, at this link XXXXWhich Relates to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which was signed into law, Number 111-203 in XX/XX/XXXX. 
Insurance issue was found on page XXXX and the Escrow refund on page XXXX. 

Thank you for your help.
On XX/XX/2018, I once again attempted to complete a Transunion Fraud Alert online and once again was told " We are unable to complete your request. We are unable to confirm your identity with the information provided. '' This has happened every 90 days I have attempted to reup my fraud alert and Transunion has made no attempt to fix my identity information or offer me any instructions to fix my identity information. I am instructed to call into a line operated by a robot and forced to listen to multiple ads and opt out of paid credit monitoring. Transunion continues to waste my time with these ads and will not fix my identity information. I worry that I will accidentally accept the credit monitoring one day even though I have no intentions of ever doing so. I wish Transunion will fix my identity information so I can request the fraud alert online and not have to listen to the ads on the phone requiring me to opt out of Transunion paid services.
I 'm in the process of trying to get financing for a home and TransUnion will not update my information correctly. They will not include accounts that I am a Authorized user on, on my credit file. They will not report correct balances on credit accounts on my credit file also. I have credit ( available credit ) that is n't being reported and that is causing my file to not show what my available credit is.
Experian Closed a Credit Card I have from XXXX XXXX. I have not closed the account and made my Score dropped 10 points all XXXX XXXX  did changed the lost 4 numbers the end of credit cared. I Spoke to EXPERIAN agent his name XXXX  refuses to listen to me this is the second times EXPERIAN done that to same credit cared.
Hello, I would like to dispute the below transactions : 1 ) Bank of America charge of {$11000.00} XXXX XXXX XXXX For the Cure Visa Signature - XXXX Transaction Date : XX/XX/2018 Claim amount : {$11000.00} Claim ID : XXXX Merchant name : XXXX XXXX XXXX NC. 

2 ) Bank Of America charge of {$5000.00} Major League Baseball World Mastercard -  XXXX Transaction Date : XX/XX/2018 Claim Amount : {$5000.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

3 ) Bank Of America charge of {$1000.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$1000.00} Merchant Name : XXXX XXXX XXXX NC. 

4 ) Bank Of America charge of {$2500.00} Bank Of America Bank Card - XXXX Transaction Date : XX/XX/2018 Claim Amount : {$2500.00} Claim ID : XXXX Merchant Name : XXXX XXXX XXXX NC. 

Total Amount In Dispute : {$19.00}, XXXX Plus Interests Accrued while disputing with Bank of America. 

XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. XXXX was permanently shut down by the receiver on XX/XX/2018. I would like to dispute XXXX  because the merchant ( XXXX  ) had failed to perform based on the agreement and contract we signed. The lifetime access to website training is no longer there. 

The XXXX XXXX that was scheduled in XX/XX/2018 ( a 10 day all expense paid trip ) was also canceled. I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. 

Later on, the receiver acted on behalf for the merchant to respond to the bank. The disputed amount was a valid charge but the merchant was unable to perform due to the shutdown. In the same time, I contact Bank of America numerous times to dispute the amount. 

I have provided the official document from FTC, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to Bank of America to  support my dispute. 

The dispute team was very difficult to contact, and the dispute was first denied several times with a warning to stop sending them my claim. I am in distress!
I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. 
XXXXXXXXXXXX
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX at Southern Oregon Credit Services advising me that I was behind on my payments. She requested that I agree to monthly automatic withdrawal, which I refused to do. However, I did commit to {$100.00} payment immediately ; she took my bank routing number and account number ( as of today, XX/XX/XXXX, that transaction has not been completed ) ; the money was never taken out of my bank account. This payment on my part was done in good faith and there was no indication to think that my relationship with Southern Credit was anything other than on track for future payments. During that conversation I also agreed to an increase to {$60.00} per month payment. I was advised that this increase in monthly payment was mandatory. I have no way of knowing if this is a true and accurate statement, but I agreed to it. The next day I was notified by XXXX XXXX that Southern Credit has reported me to the credit reporting agencies. In good faith, I had agreed to an immediate payment of {$100.00} to bring my account current, as well as monthly payments of {$60.00}. The tactics used by XXXX at Southern Oregon Credit Services were deceitful in that she accepted my {$100.00} without informing me that there was a problem beyond that. It was my understanding through this conversation that my {$100.00} payment would be accepted and my {$60.00} payments would begin immediately. Now that she has added a collections report on my credit standing I am unable to move forward credit-wise for 7-10 years. I believe this was done out of spite because I wouldnt allow Southern Credit to access my bank account on a monthly basis. I made my {$100.00} payment in good faith. I do not feel that Southern Oregon Credit was being forthright in their attempts to collect this debt. I am making an effort to pay off this debt, but am requesting that the negative information on my credit report be deleted. Southern Credit also called me at my place of work stating that this was the last number they had for me ; that is not true ; they have my cell phone number as that is how we have communicated in the past. I would appreciate your assistance with this situation. Thank you.
XXXX XXXX XXXX XXXX AUTO LOAN: ACCT XXXX LOAN XXXX: THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX XXXX XXXX XXXX" XXXX DOBXX/XX/XXXX (SHE HAS BEEN REMOVE)
Synchrony Bank has sent unitemized bills and multiple harassing, " recorded '' phone calls for mysterious " balances '' charged for presumed, unspecified, apparently fraudulent goods or services which neither the bank nor I can identify, verify, adjust or refute related to an XXXX credit card that I have shredded many months ago ( I 've subsequently made all my XXXX purchases from a different credit card from my XXXX ). I 've identified the transaction as a " scam '' which they have not denied or disputed, and have demanded, as documentary proof of the scam, a transcript and/or copy of the phone conversations that have allegedly been " recorded '' but am told that the caller " can not, '' as a matter of company policy, be sent to me thereby giving the officials of the Bank an intentional advantage that is inconsistent with official duty and the rights of customers ( see the legal definition of " corruption '' in XXXX ). This abusive behavior is clearly a systematic and unscrupulous exploitation of individual consumer vulnerability in the age of massive, electronic, impersonal, digital commerce and should be documented in detail, exposed and stopped.
Equifax has yet to delete fraudulent identity theft account of XXXX XXXX and fraudulent Michigan address that goes with it. XXXX noticed all three credit bureaus of the fraud on XX/XX/2016. The other XXXX credit companies have deleted the fraudulent account and XXXX address that goes with it. XXXX show nothing done to fix my credit report under its dispute confirmation numbers, XXXX, XXXX, XXXX, XXXX.
I sent {$100.00} to my husbands old number through Chase Quckpay by XXXX, as soon as the transaction was performed on XX/XX/XXXX i called Chase and advised them. They advised me to all the number and request the money back. Once i called the person acknowledged it was a mistake but did not return the money. I called chase XX/XX/XXXX to open a dispute to have my money returned. They allotted 3-5 business day to receiver the money but advised they left a voice message and the person did not call back. I called the receiver on a different device and advised them to send the money, they acknowledged through text that they were not supposed to receive the funds and would call the bank. On XX/XX/XXXX i proceeded to call chase and they advised there was nothing else they can do and would not be reaching out the the receiver anymore. Since Chase is offering this form of cash transfer there should be some liability, I find it hard to believe that i can lose my money over a simple mistake.
I have many new accounts with XXXX XXXX. And just a few weeks ago the Bank closed all my accounts, I then received several letters in the mail, each letter was identical in its explanation. The letter pertaining to one of my accounts said that my account was closed for Dishonored payments on other accounts. All of the letters stated the same thing. However I was a victim of identity theft and fraudulent accounts were opened in my name at the same Bank. I reported these fraudulent accounts to the Police, FCRA, Attorney General Office, and the Federal Trade Commission. 

I have never had a dishonored payment on these new accounts. Since these accounts are new I never even received a billing statement or due date. However I did make payment on accounts that I did use, example my PayPal extra master card. I paid it in full and that was the only account I got to pay that hat a due date. 

This company is getting these accounts confused with the other accounts that were fraudulent. This company has totally destroyed my credit report and score. I have every documented letter from the fraudulent accounts that this bank sent to me. This company asked for many different pieces of identity to mail them. I complied and mailed them all documents. Apparently when they received my documents I was told by another XXXX  Specialist that they were confusing fraudulent accounts with my current accounts. My current accounts were never late and again I just opened these accounts a few weeks ago. Even before I got to use some of these accounts the bank put a temporary block on my account. 

This is really ridiculous and what they did to me, and how they clearly destroyed my credit reports. This company has made so many mistakes. Mixing up closed accounts and saying I dud not make on time payments, I have evidence and recorded conversations from Their XXXX   team stating I do not have any billing statements yet, I also have proof from customer service along with names, dates times and phone numbers. 

I want this bank to fix my credit and reinstate my credit, or fix the mess they made on my credit reports
I would like to submit a complaint against Citizens Bank. I recently was approved for education refinance loan for XXXX from them to get a new loan with a better interest rate. The funds were disbursed and now I am having two issues with my loan servicer. The biggest problem is my account login page now shows two loan balances, one for the previous loan and one for the new loan. and now they are collecting interest on both loans because the original loan balance has not been shown as being paid. The other issue I am having is that my original loan pay off amount at the time of disbursement was {$30000.00} which means they added {$390.00} to my balance which is not asked for. They have loaned me an extra {$390.00} and that amount has not been either applied to my loan balance or refunded to me. I reached out to them and they said it takes extra time to process but this is taking too long as it has been nearly a week since this has shown and since they are the original loan holder they should be more efficient to correcting and resolving these issues, because everytime they wait I am being accrued extraneous interest charges from a loan that should have been paid off and off the books. So far the extraenous interest charge is almost {$16.00} and growing. I would like this resolved immediately, I would like the extraneous interest I am being charged refunded to me or applied back to my loan and I would like that extraneous balance of {$390.00} loaned to me either refunded to me or applied to my new balance. If this is not resolved shortly I will be forced to take legal action.
I just found a copy of my credit report when I filed bankruptcy in XXXX. I now realize my name on the report is XXXX XXXX XXXX. This report do n't show my former employers, date of birth, my former addresses. When I did n't know all of this information had been changed. IRS told me a tax return was filed using my social security number & information is being reported to them using a tax preparer I used in XXXX. The fraud return was filed in XXXX. Attorney refused to answer any of my questions. Example : I asked why was the date of purchase on my home with XXXX XXXX XXXX XXXXXX/XX/XXXX. That was in incorrect, my first loan on the property at XXXX XXXX XXXX was purchased XX/XX/XXXX. That loan was with XXXX XXXX. Attorney XXXX XXXX filed a case that had been discharged in XXXX. He linked to a case that was discharged on XX/XX/XXXX. I paid all of those creditors via payroll deduction. On cases numbers XXXX & XXXX. The new case number is XXXX  datedXX/XX/XXXX. The Trustee was XXXX XXXX. Notice the loan for XXXX XXXX is XXXX. XXXX XXXX amended & restated my home through IRS. {$53000.00} of my retirement was used to sell my home on XXXX. This was XXXX. This was done to get the golden parachute tax break. I paid off XXXX XXXX XXXX in XXXX while the payroll deductions was being done. XXXX XXXX deleted all of my creditors from the courts data base. In XXXX my XXXX attorney -XXXX XXXX made sure I paid my creditors from the settlement. The settlement was {$220000.00}, on case number XXXX I paid the courts {$18000.00} from case number XXXX. My total expenses was {$110000.00}. I received {$100000.00}. I opened an account up with XXXX XXXX, with two C/D 's {$44000.00} for two. I opened a savings account & a checking account. On XX/XX/XXXXAttorney XXXX XXXX filed the XXXX XXXX case as workman 's compensation without my knowledge. XXXX XXXX got this to me. He never mailed me a copy to notify me of this. All my information was made public. The XXXX sue was filed in Honorable XXXX XXXX court. I reaffirmed my home in XXXX with Tennessee Housing Development Agency. The case number was XXXX. This case was deleted from the courts. The loan I had with XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was on XXXX. My name is shown as XXXX XXXX XXXX-XXXX/aka XXXX XXXX XXXX-XXXX/aka XXXX XXXX-XXXX. My address when I filed in XXXX was XXXX XXXX XXXX XXXX TN XXXX. I 've used XXXX XXXX XXXX XXXX TN XXXX. Attorney XXXX XXXX placed an alert on my report without my knowledge. This was done onXX/XX/XXXX. ID security alert XXXX. I have no idea who the alert is with. I paid off the XXXX XXXX I had through XXXX XXXX. I did substitution of collateral after the truck was totaled on XX/XX/XXXX. Someone ran into me on my way to church. My life have been in jeopardy since I did n't die in XXXX. XXXX XXXX XXXX should have been paid off not charged off. There was inquiries on XXXX XXXX XXXX  on XX/XX/XXXX. I never heard of this bank until I filed bankruptcy in XXXX. XXXX XX/XX/XXXX - XXXX XXXX XXXX  Oh XXXX-an inquiry. Request ID : XXXX-XXXX is on this online report the attorney pulled. It was with XXXX XXXX.
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXXXXXX XXXX XXXXXXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
XXXX years ago I began to suffer financially due to a downturn in XXXX. I contacted my mortgage servicer, SPS, and requested that they modify my mortgage so I could keep up with the payments. They made me fill out paperwork and told me they would review for loss mitigation options. They came back stating that all I qualified for was a repayment plan because that is all the owner of my mortgage would allow. The owner of my mortgage has since gone out of business and the rules to loss mitigation have now been moved into the master servicing agreement held by XXXX XXXX. Their master servicing agreement allows for modifications. I have been calling SPS frequently and each time I call I get a different answer as to whether I can get a modification or not. Each loss mitigation representative i speak to says i qualify then they come back and say I do n't. Some dont know they answer and some are completely unable to speak about what the servicing agreement allows. My interest rate is 6.99 % and they could have helped me when this all started. Now my loan is close to foreclosure and I Need a modification to stay in my home. I have asked my son to come live with me in order to help with the bills and he has agreed so I can afford a modified payment but SPS refuses to help. All I am asking is that they adhere to the terms allowable in the master servicing agreement and modify my loan to an affordable monthly payment.