WillisBack/dataset-financial-user-claim huggingface dataset:
in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! 
recontacted everbank and they claim that in fact date has changed. 
I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them
Loan Number XXXX, for property address XXXX XXXX XXXX, XXXX, VA XXXX Almost one year ago, I purchased a new home. The mortgage company we choose to use was Quicken Loans. This company was XXXX of the preferred lenders from my agency, so I went with them. Just recently, I received papers and billing statements from Quicken stating my current mortgage of {$2900.00} would be increasing to {$3300.00}, a {$400.00} increase. I contacted Quicken to inquire more details. Initially all they could advise was there was a shortage in my escrow, and this was needed to cover it. I dealt with client relations, who then forwarded me to a senior research team member, XXXX XXXX ( XXXX ). XXXX XXXX did some research, as did I, and found out that nothing has changed regarding my taxes or homeowners insurance. There had been no tax increase at all. XXXX XXXX acknowledged that Quicken made an error and they were very sorry for the mistake. I advised {$400.00} a month was not an option, and they have put me and my family in a financial hardship. I inquired about refinancing my current loan ( conventional loan at 3.99 % ) to a lower interest and possibly getting rid of the PMI. XXXX XXXX advised if this could happen it would be at very little cost to no cost for me. I was then sent to someone to calculate if this could happen. They advised it would cost Quicken too much money, so that would n't be an option. XXXX XXXX then asked if I would be willing to do a loan modification. I told her only if it did n't effect my credit. She then determined it would effect my credit so that was not an option. XXXX XXXX was very sympathetic and apologized for their error. She then suggested they might be able to get the shortage of {$2800.00} spread out over an additional length of time, thus increasing my monthly mortgage to {$3100.00} instead of {$3300.00}. I advised the increase would still put me in a financial hardship and I would have never purchased this home if I knew the mortgage payment would be this high. My home was XXXX of the last homes ( XXXX total homes ) in my subdivision to be built, so the research and information was out there for Quicken Loans to give me the correct information. I understand if my taxes increased, then of course my mortgage would increase. However this increase is only due to the incompetence of Quicken Loans and their failure of due diligence.
TRS Recovery Services , Inc. is trying to collect for a returned check for XXXX that is not mine. They are threatening to turn me over to a another collection agency. I called them and they would not listen when I explained this was not my check and that I do no even use this Bank. I researched on the internet and it said this was a scam. There corporate offices address is : XXXX XXXX XXXX, XXXX, Tx XXXX. Phone # XXXX and XXXX
I received this loan back in XXXX from the XXXX XXXX federal credit union. I had that the payments automaticaly deducted from my paycheck on a bi-weekly basis. As of XXXX XXXX, I was on medical XXXX and through the service of XXXX payments and XXXX Insurance from my loan, my loan payments were being covered. In XXXX, XXXX stop making payments to my loan and I was notified in XXXX XXXX that my loan was charged off by said credit union. Then around XXXX XXXX, I started getting consistent calls from a attorney with regards to the debt. I advised the attorney representative that the balance was disputed and I requested a clear history of all my payments from the time the loan was opened.. I received a copy of my contract with signed documents only nothing indicating my payment history of all payments made for the amount owed was disputed. I never received a response from the attorney. Today, my XXXX y/o was served a XXXX XXXX XXXX summons dated XX/XX/XXXX with no prior notification addressing my detailed payment history from the start of the loan which was opened in XXXX. The document states that I have 20 days to file an answer to the complaint or a judgement will be filed. The issue is asking for the documentation of my payment history and not receiving the require documentation. I have no problem making sufficent payment arrangements, but I was never given the opportunity to do so and the company already charged off my debt, reported on all XXXX credit reports..
Merchant 's Credit Guide is reporting 2 medical debts on my credit report ; one for {$66.00} and one for {$230.00}, totaling {$290.00}. I mailed a letter to them on XX/XX/XXXX, requesting proper validation of these accounts including an accurate accounting of the exact amounts they 're saying I owe and proof of Merchant 's Credit Guide 's surety bond for the state of Texas. 

I received a reply letter from Merchants ', dated XX/XX/XXXX with an amount of {$66.00}, confirming they received my validation request letter and that they will reply with documentation, if they obtain it. 

On XX/XX/XXXX, I received a reply from Merchants ' ( postmarked XX/XX/XXXX ) stating that the enclosed documents are the verification documents that I requested. The enclosed documents included a print out with various amounts totaling {$530.00} and a letter from Merchants ' listing an amount of {$320.00}. None of the other documents I requested were included in this correspondence, including proof of a Texas surety bond required for debt collection in Texas. 

My reasons for this complaint include : 1. What amount is Merchant 's Credit Guide saying that I owe them? 
2. Where is the proper validation reflecting the correct amount?
2. Is Merchants ' Credit Guide allowed to collect debts in the state of Texas?
received letter from Bank of America for intro. 0 % interest on balance transfers for 18 months. Called B of A, gave credit info. and was approved for a balance transfer from XXXX for approx. XXXX. I told the person I wanted to set up automatic payments at {$100.00} per month and he said no problem. I would receive a form in the mail to attach my routing no., accnt. no., and a blank check and send the info back and that would take care of that. I also stated I wanted my payments to be taken out around the XXXX of the month. I had sent the form in immediately, and expected everything to be taken care of. 
I opened a statement 3 weeks ago and learned I was late paying ( did n't make a payment in XXXX ) and needed to make a payment of about {$110.00}. to bring the account current. I called Bank of America and asked them why they had not taken {$100.00} payment and they stated I either had to make a minimum payment ( {$67.00} ) or pay the account in full. No other payments were accepted. That is not what I was told when I transferred balance. Also, my payment due date was the XXXX of the month, not the XXXX of the month that I had requested. Bank of America 's representatives give incorrect information. I closed the account this date ( XXXX/XXXX/16 ), because I do not feel B of A is either up board with info., or the representatives are incompetent. I had been charged {$60.00} in late fees, which they refunded, and I also asked that they refund the 3 % fee I was charged to do a balance transfer ( approx. {$110.00} ). I feel B of A should refund the 3 % transfer fee I was charged when I initially contacted them because I had to pay another 3 % fee to get away from them ( I did a balance transfer to XXXX today ).
Since XXXX of 2018 I've been sending certified mails to ( Experian ) Credit reporting agency. 
To validate all unverifiable accounts on my credit profile. Unfortunately ( Experian ) time and time again ( Experian ) has chosen not to follow both state and federal law. The law is clear under the Fair Credit reporting. A credit reporting agency must validate all consumer accounts with physical detailed documents. Including consumer contracts and original signature. I have ask ( Experian ) to correct all misleading, inaccurate, incomplete accounts since XXXX of 2018 but they have repeatedly sent me erroneous, incomplete response. Claiming they have some how accurately verified all mentioned disputes. How they have not provided clear verifiable proof of how they have some how validated these accounts beased on the validation guidelines of the FCA, and CPA.
EQUIFAX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.
XXXX XXXX from Como Law Firm called me today regarding a debt that I do not owe. He would not answer any questions about the debt and became angry and extremely rude when I said I would not make any type of a payment to him without understanding what it is he says I owe. I informed him that I have saved email communication from the apartment manager that he is claiming I owe this debt to in which the manager is telling me there was a glitch in their system and I OWE NOTHING but he would not accept the information. I asked him exactly what the debt was for and he could not answer that question. I then asked for an itemized list of what the debt is for and he said " Did you not just hear me, XXXX? I do n't have it. '' and he hung up on me. I pay my bills and have excellent credit and do not want to pay a debt that I not only do not owe, but do not know what is for. XXXX XXXX spoke to me in a degrading, rude manner and I do not deserve this type of treatment.
During the period of XX/XX/XXXX through XXXX 2017, Equifax allowed consumer data to be compromised and accessed by unauthorized parties. Due to the security breach, my social security number and other personal financial information have potentially been proliferated into the possession of scammers and criminals. A company whose business is to keep record of your financial history has a duty to safeguard that information on behalf of the persons from whom it is collected. Equifax failed in their responsibility, inevitably causing material financial harm to those effected.
On XXXX XXXX I received a letter from a collection agency ( XXXX XXXX XXXX XXXX of XXXX, CO ) that claimed I had taken out a loan and failed to repay it. The loan was from Cash Central which I discovered ultimately was a subsidiary of Community Choice Financial in XXXX, OH. I called XXXX to indicate that I had not taken out such a loan and that if they continued I would like proof including a signed contract, bank account numbers where the loan was deposited, etc ... They refused. Because this group clealry appears to be a payday loan company that will give money to anyone with a social security number and the ability to click a box on a computer, I filed a complaint with the BBB in Ohio and Colorado. Today, I received an email from Community Choice asking me to fill in several documents and to obtain an  affidavit from the police that my identity had been stolen on a loan that was allegedly made XXXX XXXX, XXXX. I am not alleging identity theft but simply that they have provided a loan in my name without sufficient proof of my identity. I called them today to ask for documentation and they were rude and refused to answer my questions or do anything without me filling in pages and pages of documentation for something that has nothing to do with me. This company clearly has inadequate financial controls and underwriting processes in place. Had they simply checked my credit report and asked a few questions the loan never would have happened.
I was n't sure how to list this situation. I received a call from one person ( a female ), who refused to identify themselves. They said they were trying to contact me ( using an old name I have n't used in over 15 years ). They said I was going to be served with a debt collection lawsuit, and they could only out it on hold for 30 days if I call another number that they provided, referencing an account number. They did not say they were a debt collector, but that they were hired to track me down. So, I called the number they provided. The person who answered looked up the account, did not say they were a debt collector, and said that I owed money on a bank account ( that I do n't even remember ever having ) from XX/XX/XXXX. They said their attorneys had reviewed the file and said it was able to be collected and they could sue me. The gentleman said that I could do what I wanted. He seemed confused because of the date ( he thought that he could n't collect anything before XX/XX/XXXX ). He said he would have another area review it again, but notes said it had been reviewed and approved by the attorneys. I told him I do n't remember any bank account with that bank and that it seemed odd. I have never received any letter from this company or about the debt they say I owed. 

Also, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. All debts I was aware of were listed on the bankruptcy filing. 

The tag team method of collection is disturbing. Threatening a summons immediately if I did n't call a second number seems shady. The first caller having or providing no real information on what was going on, only telling me to call a second number, seems not quite right.
Wells Fargo is trying to oust me from my home in a foreclosure process, despite the fact that I've prepaid {$200000.00} in principal. Their foreclosure process has continued despite my filing of a complaint.

I should not be subjected to a Sherriff 's sale to cover their outstanding balance of {$150000.00}, when my house is worth {$900000.00}. Check XXXX  for XXXX XXXX XXXX XXXX, NJ.

I'm XXXX  years old and encountering age discrimination in my career.

I've reported this before, but no response has been received.

If I were to get a refund of even apportion of my prepayments, I would still be solvent.

Wells Fargo has engaged in predatory lending business practices against me.

I'm too late for their class action complaint settlement. I'm suffering financial consequences and credit discrimination due to not being able to pay my monthly bill.

I NEED A RESPONSE!!!

I will be filing a federal superior court complaint pro se if this complaint continues to be ignored.

I was their most valued customer having prepaid mortgage, now I'm being treated like XXXX.
I received an alert that an collection account was added to my credit report. I reached out to the company and they advised it was for XXXX XXXX i advised that that i never had this company before. Nor has AFNI ever sent any documentation to me informing me of any account. my information was used which is why i have an identity alert on my credit right now. this account needs to be removed from my credit report as it does not belong to me.
I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on XXXX/XXXX/XXXX while driving my boyfriend 's car. Immediately following the accident, I took his car to XXXX XXXX because I had a scheduled oil change appointment. While waiting, I was sold a XXXX Nissan Altima for around {$4000.00}. I was in a very distraught state after the accident, I suffer from a XXXX that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a {$3000.00} warranty, and the vehicle was financed. I honestly was n't in a good state of mind but i believe that the sales and finance guys pressured me into signing the paperwork and I truly did n't realize what I was getting myself into. I was given an interest rate of XXXX % which was n't disclosed beforehand. Is it legal and ethical to finance a 12 year old car at 28 %? Additionally, the engine went out on the car within the first 10 days and they replaced finance it after initially refusing to cover it. The company did a welcome call and I disclosed that I needed to speak with a manager or someone in underwriting because I was n't in a state of mind to make the decision that i was about to make. I told them about the accident, i was out of work on XXXX, and I was not prepared to commit to the purchase. I was told they would have an underwriter call me back to discuss my options, but this never happened. In the mean time, I had a second accident on XXXX/XXXX/XXXX, which caused additional work loss, physical and mental limitations, and I was prescribed controlled substance to help with the pain. After contacting American Credit Acceptance again, I was told it was too late to make any changes as the contract was already in progress. Please let me know how I can get help with the illegal practices that the dealership and finance company took knowing my physical and mental health.
XXXX XXXX hasn't sent any correspondence in reference to this debt and hasn't responded to the letters sent. The debt was opened XX/XX/2015 for {$630.00}. I've sent correspondence requesting original contract/signature and no response.
I had a joint account with my son that was compromised by fraudulent activity. My son was a victim of identity theft and his account accrued unauthorized charges. A report was made to USAA to rectify the situation, but instead of providing us with outstanding customer service, we were treated like the CRIMINALS. I along with my son and his mom called into the customer service for USAA on several occasions and received horrible service. Each time we called in we were put on hold for hours at a time, passed along from person to person and department to department without anything ever being resolved. I have spoken to supervisors who promise to get back with me within 48 hours and I never hear from them, I am so frustrated with the poor excuse for leadership and customer service that USAA has. Since 2012 my account has been compromised 5 or 6 times and USAA has yet to resolve the issue. I have asked on several occasions to close out and reopen my accounts but they assure me that nothing is wrong. Now I 'm stuck with a {$400.00} bill for fraudulent charges that were n't properly investigated by USAA. There customer service is HORRIBLE!! VETERANS BE WARE!!
I had 1 loan with XXXX/USAFunds/XXXX for {$15000.00}. It was in deferment for 10 yrs while I was taking classes and then in forbearance based on recommendations from XXXX. Due to a divorce my loan went into default for 3 years.
XXXX, a collection agency for XXXX, represented that they were collecting on all 4 of my defaulted loans. I paid the amount that was negotiated for my total student loan debt, but only the 1 loan I had with XXXX was paid. USAFunds/XXXX website shows I paid over {$20000.00} in interest and fees, when a letter from XXXX shows interest and fees around {$9000.00}. The XXXX/USAFunds website says I paid a total of {$59000.00} for a {$15000.00} loan.
After calling and discussing with USAFunds/XXXX they said that I negotiated that amount and would not refund any money. The collection agent for XXXX, XXXX, uses illegal tactics and fraudulently represented that they were collecting on all four of my loans.
This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.
Equifax online dispute services provides an option to DISPUTE INQUIRIES. 
When I select and dispute the inquires; it generates a report for example XXXX and XXXX but in less than 24 hours they close the report saying that the inquiry is factual without requesting the company to provide that the inquiry was authorized. 

They are misleading us and give us to think that we can DISPUTE ONLINE but we cannot. 
Its FALSE. I have requested again to have the inquiries removed due to that I did NOT AUTHORIZE. Also, to mention that they sent the companies a request of my report and the companies fail to provide evidence that I have authorized the inquiry for example, in report XXXX 

I have contacted the companies on my inquiries but due to that they are soo BIG.. They lack to provide me evidence of my inquiry.
On XX/XX/2019 I received notice from my credit monitoring service that a collection account for {$650.00} had recently been placed on my XXXX   credit report. I accessed my credit report and verified the listing of the collection account and amount stated due. Prior to receiving an alert from the credit monitoring service, I had not received any correspondence verbally or written from the collection agency that placed the account on my XXXX   credit report and I have filed a fraud investigation request of the account with XXXX.
Bank of America Credit Card & XXXX XXXX stolen 2+ years ago. Companies continue to attach fraudulent charges to my account. I have spent many hours on the phone disputing these charges. Most recently, B of A sent me a physical letter saying that they would reimburse me for {$33.00} worth of XXXX XXXX in XXXX. I live in XXXX. That was the only charge on the statement. They have not done so as of XX/XX/2018. Today I received a new bill for {$35.00}. I have good credit. I dont want this bad Credit Card policy to affect my credit.
The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.
I keep getting phone calls and mailings from Big Picture Loans stating that I am pre approved for a loan with them and that they obtained my credit information from XXXX of the major credit reporting agencies. Big Picture Loans interest rates are 700 % or higher ( according to their website ) which is illegal in the XXXX Massachusetts, they will not stop calling me and mailing me offers even though I have requested for them to stop. On my most recent call to them they claimed that they are legal to offer loans in Massachusetts and when I asked what the interest rates are on their loans the representative stated that " I ca n't tell you what the rate is until the loan application is submitted and you agree to take the loan, '' this is a violation of the Truth in Lending Act ( TILA ) due to the inability to know what the rate is before accepting the loan. I have a credit freeze on all of my credit reports and I have also opted out of receiving prescreened offers for credit. Big Picture Loans refuses to tell me what credit agency they obtain their information from so that I may deal directly with that agency to determine why my information is being provided to any third party without my written consent.
XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. 

I received a notice from Wells Fargo that the transaction took place along with a phone number to call Wells Fargo if there were any questions. I called Wells immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. 

On Wells Fargo 's website it says Online Security Guarantee covers XXXX transactions when initiated from Wells Fargo Online or Mobile. This is NOT BEING HONORED. 

My teenage daughter worked very hard for that money PLEASE HELP her get her money back.