WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2016. I received a letter from Seterus, Inc informing me that my property taxes are delinquent and need to be paid by me. In previous years Seterus has been paying property taxes on my behalf through XXXX. So far I have called Seterus and XXXX to assist me and no one was able to explain to me why the property taxes had not been paid even though there is an escrow on my account. The individuals I spoke with could not find any documentation that any type of communication had been sent to me. I have not received any communication that I would be responsible for my own property taxes, nor any communication on the status or changes in the escrow account. I have filed a complaint in recent months about Seterus and their claim that I was behind in my mortgage payments which has since been resolved. At this point I would like to file a formal complaint that Seterus is not properly maintaining my records as it pertains to my account.
I have continually advised Grant Mercantile Agency that this is not my debt, that I have medical insurance and that I have never been to the location they allege services were provided.
I made two transfers to my Coinbase account on the XXXX of XXXX. The first one for XXXX ( XXXX GMT ) and the second one two hours later for XXXX. The second one was credited on my account within a couple of hours, the first one has still not been credited. I have sent them about 10 emails regarding the issue with no response at all. These were sent from a XXXX bank account, but were sent as an international ( SEPA ) transfer to their bank in XXXX. I did at one stage see on their main page that they were experiencing some delaying in crediting payments in those days but everything pending would be settled by the XXXX of XXXX - which it clearly has n't. I have no way of getting through to them other than the unanswered emails. Called my bank ( XXXX ) today and they said the money was received - the company is apparently registered in the XXXX. 

Uploaded bank statement shows the two international transfers on the XXXX XXXX number for deposit XXXX Thanks!
I have a number of accounts with Wells Fargo : Mortgage Line of Credit Account Checking Account Savings Account I have been a customer of Wells Fargo for over 25 years with them and predecessor companies. 

They have now charged me a monthly fee of {$30.00} with some incomprehensible explanation of why I was charge this fee in 2018 when they have not done it last year. I complained and they gave me a {$7.00} credit as a " nice gesture ''. ( I keep {$500.00} in savings and I think they demand I keep more. ) To me as a customer with many accounts where I pay a lot of interest, i.e. mortgage and line of credit, I think it is outrageous to be charged {$360.00} a year for the pleasure of being gouged by the bank.
XXXX said opened a account on XXXX XXXX 2000.I did not open an account then nor do I have one now. They say I owe {$7400.00}. I have no idea what this is about.
This is what I sent to LoanCare with their contact information Dear LoanCare I am writing you because I believe I received late charges that I did not deserve. I would like the charges refunded or taken off my principle. 

this month I made 2 mortgage payment one was receive and the other was not. 
Please view a payment made on the XXXX as well as the XXXX. The payment on the XXXX was processed after a number of days but the payment on the XXXX was never process. 
the XXXX payment was received ; the XXXX payment was denied for bad check reversal. When I called Loan care I was told I did not use the correct account and routing number. I checked with my back who told me I was using the correct account and routing number. 
Further I have resubmit my payment with the same numbers and it was receive with a late charge. I would like the late charge returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Loan Inquiry : LoanCare XXXX. XXXX  XXXX XXXX   XXXX, VA XXXX Attn : Consumer Solutions Department Payments : LoanCare XXXX XXXX  XXXX XXXX, PA XXXX Notices of Error/Information Requests : LoanCare XXXX XXXX XXXX XXXX XXXX, VA XXXX Attn : Mortgage Resolution Overnight Address : LoanCare  XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Sent from my XXXX
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I paid termination fees to cancel my apartment rental agreement on XXXX to XXXX XXXX, I also paid another months rent XXXX/XXXX/14 as my last months rent. I returned my keys to XXXX XXXX on XX/XX/XXXX and was told my last months rent was all that was owed ( aside from any potential damage to the apartment in the 2 months I lived there - there was none ). XXXX XXXX sent me a bill to collect past concessions ( which was included in my {$840.00} check ) and utility bills while the keys were in their possession and I had vacated. NCC sent me the collection notice in XX/XX/XXXX, I filed a dispute on XX/XX/XXXX and provided documentation of the above referenced check to prove it was paid. I contacted NCC on numerous occasions following up and was never provided with any resolution until after the collection hit my credit. I was told the client did not accept my documentation and that the debt was still due. I eventually paid the debt to prevent any further negative impact to my credit. I 've since then contacted NCC to receive a deletion letter since I have the documentation it was already paid, and a representative from NCC confirmed that the resolution of the collection was not rendered until after it impacted my credit - despite my continued efforts to resolve it prior to impact, as I would have paid a debt I do not owe to prevent such a huge impact. I have exhausted all efforts to resolve this issue and prove the debt was paid and have yet to have anyone point out that the check I paid in the amount of {$840.00} is not included in my ledger with the client. I 've attached a copy of the cashed check that included the concession charge backs they have on their ledger, I 've attached the ledger that indicates ( after a second review on the part of the client ) that I did in fact pay my final water bill - check XXXX of {$44.00}, the final trash, electric and service charges are for a period I was not in possession of the keys and they were in the hands of the client. I was told on the day I moved out and turned in my keys ( XX/XX/XXXX ) that the only other payment to be made would be my final months rent ( paid XX/XX/XXXX ) and any damage to the apartment in my 2 month stay. Not only was XXXX XXXX wrong for pursing the collection, NCC failed to resolve this issue before it impacted my credit - despite my continued efforts to resolve it beforehand. I can provide any documentation needed to resolve this issue. Thank you.
I received a notification from experian that my credit score declined because of a collection. I never heard of the company or the collection company and never received and still have not received any thing in the mail or a phone call. This looks like a utility company in XXXX. I have not been out of california in the last 5 years and worked for the same company for 5 years and if they could provide me with some dates when i incurred the debt i could probably prove i was here in california at the time.I disputed this with experian twice but they said it was " certified '' by XXXX that it was me, it isn't me. 
XXXX XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX
Big Picture loans. Fraudulent practices. Received letter of pre approved {$800.00} loan. Not a payday loan the letter read. Pay fee of {$280.00}. Payments were to be taken out of my checking account XXXX XXXX, 2016. Every two weeks. After I applied online I was deanied. About 20 minutes after denial, I received an email stating that my loan was being processed. I went to website and found out I was approved for the loan. I later found out truth in lending disclosure never could see. Loan was 850 % interest. I tried to cancel my loan, no reply. Finally after one week, I received an email they big picture loans were taking the money out of my checking account early. On XXXX XXXX. I explained to them I did not have that in my checking account and that my checking account become overdrawn I beg and plead with them as I am going through a XXXX having to XXXX end would not be able to pay back what I thought was an {$800.00} loan with a {$200.00} interest fee to a {$6000.00} loan the representative told me that she could not comply taken out of my account three weeks early because of that I am overdrawn by {$540.00} since big picture loans my life has been turned upside down and call me at least four times a day please help me and they are predatory lenders. I am afraid of looking my job. Because of their threats. They took the money out out of my account. My bank paid them, but they want more. 
Come to find out big picture loans is formally castle payday loans I would have never gotten along if I thought it was a payday loan with interest-rate that high I am already living paycheck to paycheck in jeopardy of going bankrupt and now finally I have to XXXX and XXXX years young and terrified of this company please help
Company is reporting a fraudulent account that doesn't belong to me and they will not remove this incorrect fraudulent account obtained and use by someone as I'm a victim of identity theft Experian previously removed this account and it was handled and then just randomly they put this account back on my credit file. 
I have sent them police reports and notifications for removal again and they have not notified me of the results and it has been well over 30 days and they are not properly handling this This is not being handled and needs to be removed immediately from my credit file as it violates many rules and regality ons and Experian should be fined and penalized I will be filing additional claims on this until fully resolved
On XX/XX/2018, my Mortgage Co. ( Ocwen ) bought my home in a sheriff sale. Prior to the sale, I felt 4 specific times my situation was mishandled.

Fast fwd to today, I can not reach my contact @ Owen. I was granted a modification after the sale, due to my complaint of mishandling/misinformation.

I completed the modification and now I owe {$9000.00}.

I don't even know who owns my home, if I can keep it if/when I can raise the money owing, etc. I can not seem to find any agency, after contacting @ least 4, that can help me. I am afraid of being homeless, I need answers of where I go from here.
Dear CFPB, Recently, my mortgage company increased my monthly payment by over XXXX dollars claiming a shortage in escrow funds based on their error in making double payments of my home insurance coverage and an increase in property tax 's. 
A ) On the home insurance claim, They have not been able to produce financial transaction data in order to show the " double payment '', and neither XXXX XXXX nor XXXX XXXX shows any double payment from them in their records. 
B ) My Annual property tax 's have not increased in 2 years and I shared these documents with them to verify. 
Included in the mortgage monthly increase is what they call a safe " pad '' which they have established in order to over-fund the escrow account, which apparently can be any number they wish. 
This is poor management of an escrow account at best, they have provided no evidence or justifications for this increase, and have " reminded '' me that if I do n't pay the new total my credit will be impacted and late fee 's will be added, which is basically extortion. 
Is this even legal? 
Are they trying to make me default on my obligations for some reason?
I contacted XXXX XXXX president with XXXX after I spoke with a Consumer Financial Protection Bureau rep XXXX who gave me their number. I explained that I would have them investigated for compliance violation because I did not process an application online or give written signature permission authorize a to pull my credit reports. XXXX XXXX got my information from his wife XXXX that I was on Social Security and I told them that I was in XXXX and was not willing to do any business unless I meet with his VP in personally XXXX XXXX to discuss if the company uses it as a source of income. XXXX XXXX was also cc 'd that if the inquiries were illegal and impermissible and if not removed I would contact the XXXX.
I took out loans a few years back to help pay for my college. I went through XXXX XXXX as well as a few Federal loans. XXXX XXXX consolidated all of my Federal loans, and they charge me around 4 % interest which is fine. XXXX XXXX could not take over my other loans from XXXX XXXX and Navient as they are private loans, I tried, both companies declined. Now, I have XXXX with XXXX XXXX and XXXX with Navient somehow. Why could n't my loans stay with XXXX XXXX? My XXXX with XXXX XXXX range around 7 % which is higher than my Federal loans, but manageable. However, Navient is raising my rates every few months without notice. I believe they are acting unethically. When Navient took over my loans, my interest rates ranged between XXXX and 8 %. I have been on auto pay since XXXX, and now, my rates increase without any notice. When I question it, and I 'm always unable to speak with a Navient representative over the phone despite many efforts. They finally emailed me back saying that there was nothing I could do, it was up to them to set the interest rates. Then my rates jumped to over 9 % ( always no warning ). As they stand, XXXX of my loans at Navient are at exactly 10 % interest rate. Within less than a year, they rose to 10 %. I feel like something has to change. I am paying over XXXX dollars a month a year after graduation. I ca n't afford to live. My fiance pays over 80 % of our modest apartment. This is no way to live, please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX
There is an collection company listed LVNV which states collecting for a XXXX account maybe an account I had a long time ago past XXXX years I might have had one. Is n't this past the statue, and they will not disclose any information to validate this. Please help
On Tuesday, XX/XX/XXXX. I logged into XXXX XXXX to check my credit and found that it had dropped 31 points due to student loans. My student loans are not due until XX/XX/XXXX and currently in forbearance so there is no reason why my credit should have dropped 31 points. I called Equifax to find out why they dropped my score by 31 points and got a representative who told me that because I use XXXX XXXX to check my score I had no right to inquire on The reason why my score dropped by 31 points. I try to investigate on their website but it kept timing out and then said I feel the verification authentication segment. Ironically they drop my score 31 points and Im unable to dispute it right now and customer service wont assist me. If my loans are currently not past due and in good standing with XXXX  there should be no reason Equifax should be dropping my score by 31 points. The gentleman I spoke with with XXXX even said my loans were in good standing and not due until XX/XX/2018.
lexus nexis and XXXX  giving out my information when i've been a victim of ID theft i've opted out of everything violations of my rights
I have contacted XXXX and Transunion regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of XXXX  and Transunion and XXXX Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. Transunion and XXXX are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the XXXX XXXX XXXX XXXX.
Since XXXX, XXXX XXXXXXXX XXXX information for a car loan has not been reported. The vehicle was delivered voluntarily and the Bank sold. There was a balance and I have been paying and it was not reported to the XXXX agency. In XX/XX/XXXX, I decided to settle the balance of {$2600.00} and the account continues reporting a balance of {$7500.00}. This situation has affected my credit history and I have not been able to obtain loans.
There was 3 inquires from Cap One NA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
My wife and I have a Capital One credit card. 
On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. 
I immediately alerted Capital One that this charge is fraudulent. 
On the phone I was reassured that Capital One recognized the charge as fraudulent. 
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. 
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. 
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.
I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.
Below is the letter that was sent to Experian today along with a copy of the CFBP dispute case this is in reference to : " Experian : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Experian and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Experian to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.
On XX/XX/18, XXXX XXXX XXXX Attorney for National Judgment Recovery Center, L.P. as assignee of XXXX XXXX XXXX froze and is trying to garnish my saving account which is social security money and is my only means of support.
this debt is over 9 years old and is listed as closed on XXXX and XXXX  the dates are changed and has been removed from all 3 reporting agencies at least 3 times over the last 6 years
Since XX/XX/XXXX. I 've been trying to get a problem with a credit that was n't posted to my account correctly for a promotional offer, to get posted correctly so it would n't show on my statement that I owe money on a deadline that I do n't actually owe. I had it corrected before because XXXX did n't post it correctly. XXXX did and it was a cinch. This time XXXX made exactly the same error but XXXX did n't get it fixed. Instead they sent form letters with generic info in it and that was the end of it. They kept telling me with each call that it would be fixed, apologized too many times, told me they take these matters seriously but still have n't fixed the problem! The amount is above {$500.00} and neither XXXX nor XXXX can get something so simple taken care of. Please see all attached. I 'm tired of calling them spending hours of my Saturday 's on the phone with them to hear the same old same old only to receive a form letter telling me they do n't know what I 'm talking about. It 's become ridiculous and expresses horrific customer service on their part.
i have never recivied verification or proof of this debt, and this debt is reporting incorrect information, its not reporting the original date of debt ... .just the open debt date, which is two years later
On XX/XX/2017 I paid off {$49000.00} to XXXX XXXX XXXX XXXX and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to JH Portfolio Debt Eq.
On last year my son took sick which he was playing half of the bills with me so once he took sick and i had to take over i got behind and one thing after another he passed and i literally lost my mind, and during that time i i didnt know where i were, they came and pick up my car, so now that Im putting my piece together i need a car to start back working, and its hard because of the repo, i didnt hear both from the company until i seen on my credit how much they sold it for, i ask was it anything they can do i was told it was sold and they sorry for my lost, so now Im stuck with no car and repo on my credit that happen during a bad time in my life the death of my son