WillisBack/dataset-financial-user-claim huggingface dataset:
ACS changed my Lender without letting me know or giving me the option to switch to someone else, which I 'm not happy about. Also, they stopped having me pay a monthly amount, which is super sneaky. Since I 'm not be billed to pay monthly, which I prefer, they skip over MANY months, causing me to accrue LOTS of interest.Let your borrows be aware that if they do n't make a monthly payment that interest will be accrued instead of making it look like the are " current '' in their payment! I have to be vidulent to make sure I send myself a personal reminder to pay monthly, so I 'm not adding all this interest to my account even though it may say I 'm " current ''. That is a sneaky and dirty way to make money off people. Absolutely disgusted!
I HAVE NO IDEA WHAT THESE CHARGES ARE FOR. I HAD XXXX SERVICE IN XXXX 2009. MY PLAN WAS UNLIMITED TALK TEXT ETC. AROUND XXXX XXXX 2009 THEY BILLED ME FOR SOME XXXX CALLS CONCERNING A COMPANY NAMED XXXX XXXX??? WHICH I NEVER HEARD OF AND THE AMOUNT OF THE FRAUDULENT CHARGES WAS ALMOST {$300.00}. I DISPUTED THESE CHARGES VEHEMENTLY BUT THEY WOULD NOT REMOVE THEM AND DID NOT PERFORM ANY TYPE OF INVESTIGATION. I CANCELED MY SERVICE AND I DO N'T KNOW HOW OR WHY THEY ARE REPORTING THIS AMOUNT AS MY DEBT.
Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it
We closed on our home XXXX/XXXX/XXXX. At the closing, we paid all of the XXXX real estate taxes. At that time, our loan was through XXXX. In XXXX of XXXX, we received notice that our mortgage had been sold to AmeriHome mortgage XXXX XXXX XXXX XXXX, nj XXXX XXXX. On XXXX XXXX, XXXX, AmeriHome mortgage repaid the 2nd portion of the XXXX real estate tax to the town of XXXX, ct. In XXXX of XXXX, we received a bill stating that our escrow was underfunded, and the mortgage company was raising our monthly payment by $ XXXXmonth. The total monthly payment was {$2400.00}. In XXXX of XXXX, I was completing my taxes, and went onto the town 's website to get my tax information and saw a credit of over {$3500.00}. I called AmeriHome in XXXX, XXXX, XXXX, XXXX and XXXX to explain that : # 1. They had overpaid the RE taxes from XXXX. # 2. They needed to get it refunded. # 3. They had to stop charging me this underfunded escrow charge of $ XXXXmonth because it was not underfunded. After hours on the phone in XXXX, I finally thought I made some headway. They gave me a new monthly payment of {$2200.00} ( still higher than it should have been ) and assured me that they were working on recovering the credit and that was due. In XXXX XXXX, I received another bill for the old amount, but was assured that there was an exception on my account and only to pay the {$2200.00}. This month, instead of calling, I sent in the same {$2200.00} and I received the letter attached. A copy of my next statement is also attached. They made a {$3500.00} error that they have passed on to me for over a year and a half. I ca n't even imagine what would have happened if I were not able to scrape together the extra $ XXXXmonth. I asked them every time I called for follow up or a resolution and have not received any communication. I do n't know where else to turn for help. Thank you, XXXX
I am XXXX years old living alone on social security. I learned Judgment XXXX issued against me. I tired to make payments but unable to pay rent, buy food or cover my XXXX XXXX XXXX, medicine and had to stop. These high payments toward the Judgment made it impossible for me to pay for medication that is over {$1000.00} per pill. 

Without correcting the reporting of this Judgment the sale of my deceased brother 's estate is prevented. That property ; XXXX XXXX XXXX XXXX NJ. fell into disrepair and is in bank Short Sale. 

It must close Title so the outstanding mortgage debt will be discharged. If not - it goes to Sheriff 's Sale. Its mortgage debt will liquidate the value of my deceased brother 's home at XXXX XXXX XXXX. XXXX, NJ and there will be nothing left to help settle the judgment since this property has equity and I have nothing. 

I tried to ask New Century Financial Services to help correct the report but they do not answer my requests. I contacted their law firm XXXX and XXXX but found my letters were never answered since they closed business. The Estate 's real estate broker discovered the name of their new firm but they have not answered. 

A credit disaster can be stopped if they release only XXXX XXXX XXXX from the Judgment so its not sold at Sheriff Sale. Sheriff Sale takes away all the remaining estate 's value in XXXX XXXX XXXX. XXXX NJ. Judgment XXXX needs to be specifically placed against it alone. 

Credit reporting has to show its released from XXXX XXXX XXXX XXXX NJ and specifically..record Judgement XXXX on XXXX XXXX XXXX. XXXX NJ. 

My brother XXXX XXXX. I am the only heir and struggling to complete a short sale to avoid a deficiency judgment against what is left in the Estate. 

The only thing of value I have is what will come from the sale of XXXX XXXX XXXX. XXXX NJ. I won't be able to make any payments on the XXXX if the short sale fails and a deficiency judgment is placed on XXXX XXXX XXXX. XXXX the remaining value of that property will be lost. 

I want to settle what is owed on the judgement but without New Century Financial Services cooperation in updating the  reporting with a specific property lien, I have no prospect of having any money in the future to make a settlement of payments of the judgment.
I disputed a bankruptcy chapter XXXX - discharged on my Experian 's credit report. The item came back verified. But I called the United States Bankruptcy Court - XXXX of California to ask if they did verify my discharged bankruptcy. The clerk 's answer was very clear : " The Bankruptcy Court do not have any type of communication with any of the credit bureaus, including Experian. '' Then I insisted and asked if by any chance the court received anything from Experian trying to verify the case, the clerk 's answer was clear again : " No sir, we did not receive anything from Experian regarding your case ''. 
Then, Experian is violating the Fair Credit Reporting Act by saying they verified this item. 
In the other hand I would like to add here that XXXX and XXXX removed the case from my credit report because they never verified it. 
Please, see the attachments. There is the BK on Experian 's Credit Report and also the information from the Bankruptcy court about credit reporting.
I signed up for american express business platinum card. the offer is to give me XXXX points when I spend XXXX. 

I have reached the min spend and was only given XXXX. I submitted a case ( case number XXXX ). It was closed WITHOUT my knowledge. I had no idea they had close my case without giving me any explanation. AMEX has refused to give me the rest of the points.
Each time I reach out to american express, they would try to tell me I already received the points when I have not. 

I have even provided the mailer RSVP code for the XXXX.
J.P. Morgan Chase Bank 's XXXX XXXX wrote on XXXX XXXX, XXXX that Chase refused to provide a {$290.00} credit of the subject {$1800.00} charge that was posted on my Chase Credit Card on XXXX XXXX, XXXX with the reference XXXX SIENNAENTER. My attorney left a voice-mail message for XXXX XXXX ( XXXX Ext. XXXX ) on XXXX XXXX, XXXX and then spoke with her on XXXX XXXX, XXXX. XXXX XXXX advised that she would consult with a Manager and that my attorney would hear back in XXXX hours. After not hearing from XXXX XXXX, my attorney left a second voice-mail message on XXXX XXXX, XXXX requesting that she at least provide my attorney with a facsimile number so that he could provide written notification of the matter. As my attorney has still heard nothing from XXXX XXXX nor anyone else during this entire time, I am submitting this Complaint to the BCFP : XXXX XXXX had indicated in her XXXX XXXX, XXXX denial that the merchant was under no obligation to issue the credit because a " significant amount of time has passed since the date of the charge. '' But XXXX XXXX did not explain the basis for this reasoning. The merchant promised a partial credit THE DAY AFTER the transaction occurred and had been continually indicating that the credit would be issued upon my regular bi-weekly demands. The merchant had merely acted as a broker in purchasing services from a third party and, significantly, was not billed for, nor did the merchant pay, the amount that the third party would have charged it for the cancelled portion of the service, i.e., {$290.00}. It was only after it became evident that the merchant would not issue the credit -- despite his repeated fraudulent assurances over many months that he was issuing the credit -- that I found it necessary to inform Chase that the merchant failed to issue it. This matter of course does NOT concern a dispute regarding the quality of a good or service, but simply the merchant 's ongoing failure to submit a refund through Chase 's Processing System while falsely informing me for many months that the credit was in fact being issued. If the merchant claims to have never agreed to the credit and/or that it was billed for the cancelled portion by the third party, I will provide the detailed documentation that evidences the merchant 's false statements to Chase and the fact that the merchant never was billed therefor.
I will like to request that a investigation be conducted against I C Systems INC, for failure to honor my request of validation of a debt and providing a notification of the debt per the FDCPA. A dispute was filed with XXXX and XXXX circa XXXX XXXX in regards to an account that had previously been dispute and removed by a previous company regarding a debt that is not mine and I have no knowledge. The account number is Account Number : XXXX in the amount of {$440.00}. Per my rights within the FDCPA I request a validation of the debt. My request has not been filled and the company is in violation by not validate the debt within the 30 days allotted per the FDCPA. Yet the account is still showing as a negative account on my credit report, although they fail to validate the debt. 

Status : Collection account. {$440.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. I have not receive any written communication from I C Systems INC informed me that they now have the debt and my right to dispute. The company brought the account without proper validation because it was delete previously and are now reporting a invalid debt negatively which can have on me my and now I request that an investigation is complete for their failure to comply with the law.
In XX/XX/XXXX our leased XXXX XXXX XXXX was damaged during the flood and we submitted a claim to insurance company that the car is irreparable. The insurance company honored the claim and paid the remaining value of the car to XXXX XXXX XXXX P.O. Box XXXX XXXX XXXX, IA XXXX ( " XXXX '' ) under account number XXXX : XXXX on XX/XX/XXXX. Both my husband and myself are listed as lessees on the account. XXXX sent us a letter dated XX/XX/XXXX indicating that we owe a GAP insurance deductible of {$150.00}, which is " due within XXXX days from the date of this notice '' and if not paid, " your account will be charged off and reported as such to the credit reporting agencies ''. I was overseas for work at the time, I did receive a call from them on or about XX/XX/XXXX, where they were trying to confirm if we received a letter and indicating that {$150.00} was due and payable. I asked them to send by email, which they did. I forwarded the request to my husband, who was in US and asked him to settle. My husband sent a check dated XX/XX/XXXX for the amount of {$150.00}, which cleared our checking account on XX/XX/XXXX. In meanwhile, XXXX reported the amount as charged-off. My credit history has only 1 account reported being late for payment, which is XXXX XXXX in XXXX with indication 30-59 Days Past due. Everything else is in good standing, no late payments, no defaults, no derogatory remarks. After this charge-off amount got posted to the credit report, our credit scores have dropped significantly. 
On XX/XX/XXXX I have written to XXXX indicating that they placed an undue burden on us where this {$150.00} is creating undue limitations to our financial freedom and demanded that this record be expunged from our Credit Report. They responded that they did everything properly. Please note, nowhere in the contract that I had signed there is a clause that I would have agreed that XXXX IS awarded such right. I consider this frivolous behavior. Where does 20 days have come from, why is it 20, not 10 or not 30? is it 20 calendar or business days? I have opened several claims with XXXX, trying to explain and fix the issue. They made a comment on the report that the account was paid, but remained the CO remark and " XXXX XXXX Off ''. This doesn't help though. We have recently applied for a mortgage and were denied with comments " there is a serious delinquency on your credit report '' ; " delinquent account appears to be recent ''. At this time I am looking for assistance on legal remedies that are available to me. I am intending to bring a suit to court as this burden is so undue and has caused us substantial moral suffering. I am also looking for an instrument, where I, as an individual, can be awarded an equal right to place financial burden on XXXX at my discretion of 10, 20 or 30 days.
I submitted a complaint through this portal ( XXXX ) in regards to XXXXXXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
On XX/XX/XXXX XXXX XXXX XXXX was placed on my XXXX Credit report 3 times for the amount of {$530.00} each time. I have called the company and requested a debt validation letter and also XXXX XXXX XXXX XXXX XXXX XXXX also sent out a request to have a debt validation letter sent on XXXX which has been 56 days ago I have n't received anything by mail or received any phone calls from this company with the information I requested. I 've also disputed this with XXXX and a fraud alert has been placed on my account.
Unauthorized hard inquiries from Cash Central, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
1 ) Bank of America hung up on me two times when I tried to close my credit card account.

2 ) I have a $ XXXX credit due a refund for mattress purchase on my account after the account closure that they make difficult to request. I have been waiting on hold for 4 HOURS on the line for a customer service agent, waiting for anyone to pick up the line. I'm willing to bet that, should I let the call continue, l will progress through the night on hold. Strangely, I can't email them to request a refund, leaving me only with snail mail as an option for a refund. 

A process for a refund for my closed account credit is absent, after several searches.
Remove fraud alert. I did n't make it and I 'm not mailing you all that stuff.
TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE AT ALL.
My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. 

I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. 

I wrote them and emailed from their site and I have heard nothing. 

I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. 

My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. 

They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. 

Please help.
I am rebuilding credit following a chapter XXXX bankruptcy discharged in XXXX XXXX. I have limited new credit established and decided to apply for a Chase Freedom card on XXXX/XXXX/XXXX which was described to be the type of credit card good for those with previous credit challenges or need a second chance. I had not receive a response on the application after more than 30 days. I called Chase XXXX XXXX around XXXX/XXXX/XXXX to find out the status. I was told the application was denied and a letter was sent to me. I did n't receive it so I requested a copy to be mailed to me again. The representative said he would process my request. As of XXXX/XXXX/XXXX, I had not received the denial letter, following my request for a copy. I called again and asked to speak with a Lending Supervisor to express my concern. I finally received the denial letter dated XXXX/XXXX/XXXX which is over 60 days from the date of my application. Additionally the letter says I applied for the Chase Slate Visa XXXX credit card which is the incorrect product. I believe Chase did not handle my request within regulations regarding the product type and timing to send me a response on the credit decision.
I have numerous inquiries on my XXXX Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted XXXX numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call XXXX back or to send them a letter disputing the unauthorized inquiries. I called XXXX AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to XXXX. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by XXXX is XXXX.
I applied for an apartment and was denied because my credit report states " civil action for possession under landlord tenant records. 
The rental property was in my parents name when I was in high school and the rent was only paid late. We have the documentation that states it was dismissed by the court.
In XX/XX/2018 I filed a complaint with this company and they claimed to have placed my parents numbers on a Do Not Call list. Yet my parents are once again receiving repeated and harassing phone calls discussing my debt. 

Not only have I asked XXXX XXXX to stop and they have not honored that, they have taken to calling from multiple numbers at all hours of the day, 7 days per week. This is harassment and an invasion of my privacy. Any number you are calling needs to stop IMMEDIATELY as it should have almost a year ago.
The company claims I owe {$490.00} for XXXX but this is not my account and I dont know how it got on my credit because the social security numbers dont match. My social and the social for this debt is totally different.
Wells Fargo is foreclosing on my second mortgage when I have repetedly requested copies of payments made agreements made with XXXX and XXXX statements NONE OF WHICH I HAVE YET TO RECEIVE. I am now receiving harrasing letters phone calls from the collection law firm that Wells Fargo has hired to foreclose on my loan
Hello, I was talking to PayPal credit ( they called me at XXXX CST ) I was speaking with a representative named XXXX ID # XXXX. He was not getting what I was saying at all and kept going in circles, making me feel slightly harrased. The real problem is when I asked to speak with a supervisor. He then put his headset down, and did not mute his microphone. While he was standing there he said I sounded " like he doesn't know anything, sounds like he just woke up. '' His manager XXXX ID # XXXX then came on the line. I asked if that is what he said about me. She said yes and that she told him not to say it again. This made me feel extremely harrased and trying to insinuate that I don't know what I'm doing. I do feel very harrased by this representative XXXX ID XXXX
On XX/XX/18 and XX/XX/18 Ditech my mortgage company sent me letters saying I had to increase my flood insurance at XXXX XXXX XXXX otherwise known as XXXX XXXX XXXX or they will find me insurance and it could be expensive. I immediately took action calling and also leaving messages at least five times with XXXX at my flood insurance company. She refused to call my mortgage company but she told me the old policy had to be paid off first before any changes could be made. I called and emailed Ditech at least five times giving them this information. They finally told me the flood policy would be paid off from escrow within five business days after I got a notice of cancellation because it had not been paid by XX/XX/18. My flood policy expires on XX/XX/18. On XX/XX/18 my flood insurance called me and XXXX had me pay a small amount ( less than {$40.00} ) for the extra coverage on my policy by credit card even though I said I have an escrow account for this. On that same day I got a letter from Ditech dated XX/XX/18 accusing me of ignoring their warning letters concerning flood insurance and informed me it will cost me {$210.00} ( includes XXXX XXXX  ) and this would be on top of the {$340.00} or so I already pay for flood insurance. Since then I have called Ditech ( again ) asking to speak to a supervisor but was told by customer service that nothing could be done until another escrow analysis takes place ( that includes the higher insurance they got me ). I emailed them yesterday twice with no reply so far. I am reaching out to you because this is the third mistake my mortgage company has made in a year and I dont have much faith in them to resolve this matter correctly.