WillisBack/dataset-financial-user-claim huggingface dataset:
A property has an insurance for flood that is paid by the escrow account from the bank. 
I asked for an estimate from another co XXXX, they asked me for the credit card and charged {$1000.00} that was not authorized, since it was already paid to XXXX ( XXXX ) which had the policy from the previous years, and paid from the escrow account as before. 
I had tried to reverse the charge for several months without success with the Chase Card, despite explanations and papers send to them, they do not do it. What is a misappropriation of funds by Chase and XXXX XXXX, plus Chase benefits for charging, illegal interest since the charge is disputed and not valid. The property has already the XXXX insurance. XXXX XXXX and Chase should be held liable individually, jointly and in severality for misappropriation of funds.
On XXXX XXXX, XXXX I received an initial phone call from Credit Management of XXXX, TX regarding a debt that I was unaware of. I was told that information would be received by mail and on XXXX XXXX I did receive a letter of notice. No details were included and as such I submitted a request by mail ( received on XXXX XXXX ) for verification of that debt. 

I have not yet received that verification however their phone calls and attempt at collecting resumed again today, XXXX XXXX, XXXX.
I got a call from some agency saying they were with the government and they needed to verify my accounts before I could apply for a loan consolidation for my student loans. I gave them my info and then i was told that i wasn't approved but owed money and if i didn't pay today that i would be sent to collections and sue if i didn't immediately wire payment. I called and sent the money in fear of being sue or getting in trouble because I'm XXXX XXXXXXXX XXXX. Shortly after, i tried to log into my bank account and my password was changed and i was locked out of my account. I was unaware that someone had log into my account and applied for a loan for {$6500.00} and a cash advanced for {$2500.00}. I DID NOT APPLY FOR THIS PERSONAL LOAN OR THE XXXX XXXX. Financially I CAN NOT PAY THIS BACK due to the fact I never approve or applied for the loan or XXXX XXXX and don't have the money too. This has been a hassle and stressful situation trying to get my self out of debt and this had put me in a deeper hole and potentially ruined my credit.
I applied for two credit cards with XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX, 2017. The XXXX they say were declined because of too many inquiries. The XXXX XXXX was denied they say because I answered security questions incorrect. There seems to be a major problem with this bank. First of all both applications should of been declined if one application has too many inquiries. Secondly, I had an fraud alert on my credit report that I am trying to have removed. I am being told declined because I did n't answer security questions correct. Lets discuss this issue. One of my security questions was asking me about a phone number I had n't used in over 30 years. I am now XXXX years old so do you think I am going to remember an phone number from over 30 years ago. Why could n't they have sent an security text code to my phone like XXXX and XXXX XXXX. In some instances I was able to fax information such as social security card and current utilitiy bill proving it was me that applied for the credit card. I feel XXXX XXXX did n't want me to carry their credit card and just made up stupid reasons why credit was n't extended. This is why I am not doing any more business with XXXX website. Furthermore it seems too frivilous to come up with different reasons why I was denied a credit card. If too many inquiries then both applications should of been denied based on that reasoning. If both products pulled XXXX  credit reports which the bank pulled then why was n't an security questions asked for XXXX XXXX card. After all, The fraud alert should have effected both applications! If the bank going to declined an application for unable to verify identity then it should effect both applications instead of one. XXXX XXXX just did n't want to issue me an credit card it seems. I feel I am being discriminated against because I am XXXX year old man!
On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.
I am writing to let you know of the " shady '' business practice by American Express. 

On XXXX I signed up for an American express gold card, in order to receive the miles. After receiving the cards in the mail, I was informed that since I was a previous card holder of American express ( 3 years ago ), I was n't eligible for the points. 

I requested that she close my cards, which she did immediately. Customer agent then informed me that since I did not qualify for the miles/ bonus, that also affected my card membership. Now, I was responsible for the XXXX $ annual fee. I am positive they bury any reference to this exception in fine print, and never at any point did they inform me of this exception. 
Furthermore, the customer service rep told me that my APR would be % 15, since I did n't qualify for the promotion, it was supposed to be XXXX. On top of that, they still allowed me to open the credit, without informing me until the credit card was open? 
Now, if I do not pay they will fine me and this blemish will hurt my credit. 

1 ) Is there no protection for the " common man ''? 
2 ) At what point does the ability of Big business to manipulate the common man become a form of racketeering? 
3 ) How much money is made touting these shady promotional offers? 

I XXXX, to come home to this kind of treatment? I am asking that you stop American Express from this fraudulent practice. 

Futhermore, I contacted my congressional office and they pointed me to CFPB. 
respectively XXXX XXXX XXXX American Express card #
I disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report.
On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter. 

This will serve as my second request. - Thank you, XXXX XXXX XXXX
XX/XX/XXXX, I applied for a mortgage loan for a property that cost {$220000.00}. I received the terms for the mortgage. I had money for the down payment and closing cost. About a week or two before closing I received a letter in the mail stating that there was a XXXX mortgage in the amount of {$33000.00} and that the mortgage had a balloon payment that would be due in 10 years. I felt uneasy and should have pulled out of the whole deal, but was told that was the only way they could finance the loan. I went ahead with the closing and moved in. Several times during the past ten years, I have tried to refinance, modify, and short sale the property. Each time being put through months of paperwork, just to be told no. Fast forward to XX/XX/XXXX, the balloon payment is due. I owe about {$30000.00} on a loan that was originally {$33000.00}. My monthly payments were {$260.00}. I paid that amount on time for 114 months. That means that I have already paid Wells Fargo {$29000.00}! However, I still owe them a lump sum of around {$30000.00}. Wells Fargo will make about {$60000.00} on a {$33000.00} which is almost a 50 % interest rate. Basically, for every dollar I was lent, they are getting back XXXX. How can this be legal? On top of that, my first mortgage was interest only, so I have made little progress in paying that down.
My loan was transferred to new servicer effective XXXX/XXXX/16. I have sold my house and was scheduled to close today XXXX/XXXX/16 and that has had to be postponed because new servicer says they can not provide payoff info or account info because it is not in their system. They are offering no help and now I can not close and this effects my buyers and their buyers.
I have a paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I do not owe. See the attached copy of the receipt as account being paid.
XXXX called 10 to 15 times a day using different numbers. When I answer the caller is rude and stated that there is a body bond out there and that I will be arrested if I did n't pay the debt. signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts.
This is what I keep getting every time I try to open up a bank account do anything financially Equifax is responsible for the mix up Dear XXXX XXXX XXXX, Thank you for choosing XXXX for your financial needs. 



A review of your application indicates there is a Fraud Alert notation and or Security Freeze on your credit profile. In order to proceed with the application the following information is required : O Placement date and expiration of the Credit Freeze or Alert O Address Verification- copy of utility bill dated within 90 days. 

O Copy of Drivers License ( front and back ). 



We appreciate you taking the time to provide this information. You may fax the requested documents, Upon receipt of the requested documents your application and documents will be reviewed, and you will be notified via email of the decision.
I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.
I have been automatically paying a campus-based loan through the company of XXXX. Today ( XX/XX/XXXX at XXXX ) I received an email from the company ( since I am enrolled in paperless mail ), stating that as of XX/XX/XXXX they will no longer be servicing my loan and that I should have received information from my lending school or new servicer with information about my debt. I have not received anything via mail and or email. 

When I tried to log-in to XXXX, they won't let me log-in anymore, the site says " service can not be reached at this time '' and when I call them they require me to enter my social security number and date of birth, after I do, a machine responds with " we can not access your account. '' I have paid the loan with autopay since XX/XX/XXXX, and every month {$490.00} is taken out of my personal financial account ( the last payment taken out was on XX/XX/XXXX ). I do not want to have any late fees- which is why I am  eager to find out where my debt has been transferred to and who is managing it. 

I have also contacted my school ( XXXX XXXX 's University- NY ) and have yet to hear back from them.
On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. The breach was originally discovered on XX/XX/XXXX. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. Equifax did not disclose if PIN numbers and other sensitive information was compromised as well, nor did it explain its delay in reporting the breach ( which it discovered in XX/XX/XXXX ) to the public. It was furthermore revealed that three Equifax executives had sold their company shares before the incident was made public.
I am appalled after checking my credit report and seeing this account in collections. I have been fighting this debt for over a year. After receiving notification from a previous debt collector of this pursuit being closed, I can not believe that yet again another collection agency is attepting to this collect that is not owed. If this debt can not be validated and a signed agreement sent then this collection needs to be removed from all credit reports. It is negatively effecting my borrowing potential and it is an unlawful practice.
NCB Mangement Services , Inc. has harassed me and my employer since XXXX calling after day four to five times a day. Calling my grown children on their cell phones and on XXXX XXXX, 2017 called one of my children at work and got him in trouble because he is not to have phone calls at work, he has told him number of times to quit calling him and in the phone call of XXXX XXXX, 2017 the person from NCB Management told him that he was a debt collector and was trying to collect a debt that I have. I have mailed them today a letter asking them to stop calling my employer, my children cell phones and call my children on their job sent it return receipt. They have my number and my address this debt does not belong to them they call them everyday and leave phone mails to the point of harassing them for something that does not involve my children
All Consumers are affected negatively when generating credit scores when an installment loan is closed. The Credit Bureaus ( all of them ) drop the accounts time as active which affects the credit time frame. This shortens the average time frame accounts are opened thereby dropping consumers that have paid on time or paid off accounts scores by 10 - 20 pts depending on the age of other Open and Active Credit Accounts. This does not paint a true picture of the Consumer 's Credit Worthiness. Those accounts should not affect the consumer 's credit negatively. In fact once paid what should happen is the credit score should take in the time since opened and treat it as a -XXXX- balance Pd. instead of providing a negative status for installment loan or mortgage that was closed due to payment. This action by all 3 credit bureaus in the scoring calculation in negatively affecting the consumers. This should be corrected immediately. All Consumers are being affected negatively and no one does anything about it. XXXX, XXXX, TransUnion and the Creditors that report seem to want consumers to keep their debt and when they pay off they penalize the consumer by retracting /erasing the accounts open time frame so as to shorten their credit history. .This is a scam on behalf of the CRAs, and Creditors to negatively affect consumers for paying off their debt on time.
I fell behind on my mortgage because my mortgage company gave me an adjustable payment which increased my payment from about {$18000.00} to {$28000.00} overnight. I hired an attorney to help me apply for assistance and they have submitted my application to Nationstar who is now called Mr. Cooper. Mr. Cooper states the only reason they can not modify my mortgage is because the owner of my loan says if they modify it the total payment must drop. My attorney appealed this decision and they mailed back paperwork showing the proposed modified payment and it is only a couple hundred dollars higher than my current payment. This rule makes no sense. My old payment was {$18000.00} and overnight my payment went up to {$28000.00}. And now my servicer is saying the only reason they will foreclose my home is because if they modified it the payment would go up by a couple hundred dollars per month. My servicer states the owner of the loan also will not extend my maturity date. They say they will not offer any more interest only options. My attorney has requested the servicer contact the owner of the loan and ask for one exception on any of these possible fixes and the servicer thus far has refused to do so. My attorney believes the servicer has an obligation to contact the owner of the loan to ask for any of these exceptions. To merely foreclose my home due to a technicality which makes no sense after basically purposely putting me into a loan which they knew would balloon out of control ( $ XXXX to $ XXXX payment increase ) seems fraudulent and purposeful. Anyone looking at this much of an increase who has common sense can see this is not right.
Female called, verified my name and last XXXX SSN, sd this is about pending lawsuit from Capital One XXXX XXXX for XXXX procedure that I stopped paying in XXXX. Caller ID indicated she was in South Carolina, but I now believe it was SPOOFED ID. XXXX XXXX XXXX appears to be in XXXX, XXXX She advised if I did not make some arrangements today, Cap One would proceed with lawsuit. Asked if she knew the XXXX Statute of Limitations. She did n't even know what the term meant. Educated her it is THREE YEARS and that the SOL is expired. She stated they would go ahead and file and then XXXX. The use of CID SPOOFING is also illegal in attempt to collect a debt.The CID read : XXXX, XXXX XXXX. I initiated a trace, but XXXX XXXX can not release info to me.
LTD Financial Services is continuing to contact me to attempt to collect on a XXXX Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXX To : XXXX CC : XXXX ; XXXX Date : Wed, XX/XX/XXXX XXXX XXXX Subject : XXXX : Card Services, XXXX. vs. XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX back on XX/XX/XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX. 
XXXX, XXXX. 
XXXX XXXX, Virginia XXXX * : XXXX XXXX : XXXX, ext. XXXX : XXXX XXXX fax XXXX XXXX in XXXX and Maryland XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. LTD Financial Services has not communicated with me to resolve, only to continue to collect this paid debt.
I was checking my annual credit report, Transunion file no XXXX XXXX copy enclosed My name is considered a potencial match listed Us dept of treasury office of foreign affairs.Someone with the same in XXXX source uid XXXX. 
Im a US citicen all my life dont know this person.Never being to XXXX was not born in this country never being to this country dont intent to go to this country. 
Please I will like to have this removed from my credit file. 
Thanks PageNo on report 9 of 12
XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
Requested loan modification due to loss of income, financial hardship, illness, was denied, loan company refused to work with " third party '' ( XXXX ) to resolve delinquency issues. My Balance has not changed in approximately 12 years {$18000.00}. My payments are not being applied. Abusive collection procedures. Was sent to eviction court immediately after having XXXX surgeries. Paid {$2200.00} to loan Company. There is no history of this payment are any other payments todate.
The collection company IQ DATA International claims we owe XXXX unpaid debt, which was already paid. We sent XXXX and XXXX the copy of the cashed checks along with the letter showing the amount owed, which was already paid. But the collection company and the credit bureaus refuse to acknowledge.
I was contacted by Dynamic Recover Solutions ( XXXX, SC ) about a debt from 2001 that I supposedly still had n't paid. I do n't have a debt outstanding from that time, plus it 's been XXXX years. They rattled off ALL of my personal information, including my SSN, address, current loans, phone number, etc. this is VERY scary. 

I told the person that I wanted to dispute the collection and they said I could " settle '' the collection for {$150.00}. The call ended and I decided to do some digging online about this company. Come to find out, they routinely contact people with fake outstanding balances, most of which stem from XXXX years ago. They press and press and press to get vital personal information turned over to them. 

When I arrived home, my wife had informed me that she had received a call from them too. XXXX minutes after my call. This is an obvious phishing scam, and I believe these people need to be stopped and prosecuted for fraud. It 's insane to me that there pages and pages of complaints and XXXX submissions, yet they are still calling people.