WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX reported {$190000.00} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XXXX by Bank of America ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX service appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.
on XXXX/XXXX/16, Bank of America refused to block any periodic ( every 3 months ) charges to my BankAmericard from an on-line vendor ( a dating site ) that no longer is accessible on-line, and though it has an XXXX phone number, no-one ever picks up the line to allow cancellation of the service and recurring charges. Bank of America only processes disputes of charges already made. This means that every three months I must potentially file a claim and hope for the best. As a result I no longer have control of my finances.
I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors.

Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
I called Transunion today because I am aware of 2 separate database glitches they had during  XXXX  and  XXXX  in which everyone 's INQUIRIES were deleted. Once they realized what the glitch had done Transunion ILLEGALLY put those inquiries back on the credit report WITHOUT giving a mandated 5 DAY PRIOR WRITTEN NOTICE. I spoke with a foreign representative for TRANSUNION and he was EXTREMELY rude and told me he could n't help me dispute the inquiries because I was n't affected but I was!!!!!!!
XX/XX/XXXX and XX/XX/XXXX Phone number called from : ( XXXX ) XXXX  XXXX, NY Both times they claimed a courier was on their way to my home to serve me with papers to withhold my Social Security check for an alledged credit card I have paid off and closed.
After 1st message I called back and spoke to XXXX XXXX XXXX who claimed to represent a law firm of a company of a company. She had the last 4 of a credit card number of mine. She claimed I owed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX {$360.00}. Since XX/XX/XXXX I want these people to quit scamming people. Bunch of theiving subhumans!!
I was contacted by XXXX XXXX XXXX/XXXX License ID XXXX of loan Depot to apply for a refinance. I was told to pay the appraisal fee on a credit card and I would receive it back at closing or in the event they were unable to provide me with a loan. I submitted all my Social Security XXXX documents as well as my court ordered child support income documents, bank statements, and requested forms. They kept coming back requesting more information which I would send. I have been going through this for a couple of months. My Account Manager XXXX XXXX informed me that underwriting had suspended my application pending decline because they were n't adequately able to verify/qualify the income needed for approval. I have not received the refinance or the appraisal fee refund.
I paid off my CitiMortgage loan then they took {$40.00} of my escrow account refund without any notification, justification, or permission. I have made three attempts by phone to get this issue rectified without success.
I have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Nationstar mortgage, Said I was a month behind in my payment ; I knew that I was n't, But just to play it safe, I went ahead and made another payment and then notified my bank and had a lady I know that works at the bank go back 2 years into my account and see if I had missed a payment ; She could not find a missed payment and she has been talking to Nationstar mortgage and keeps on getting the run around with them ; So I made an extra payment, That I said I wanted credited to principal and they have not been understanding that they are the one 's making the mistake!!
Public Record- tax lien Tried numerous of times to get all 3 Credit Bureaus to remove a paid and release public record from my report. XXXX report doesnt show, but the others does. After several attempts, they informed me that the information is correct and it will not be removed until XX/XX/XXXX. 

Public record recorders XX/XX/XXXXPaid XX/XX/XXXX
Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.
XX/XX/XXXX I opened a XXXX XXXX credit card account with XXXX XXXX, the credit limit is {$2500.00}. onXX/XX/XXXX. Once I was approved I asked the bank to do a balance transfer to another Credit card, which is with XXXX XXXX. I received an e-mail on XX/XX/XXXX from HSBC informing me that the transfer took place and XXXX should receive the funds within 7 -10 business days.After not seeing the credit to the credit card fromto XXXX. I decided to follow up with HSBC on XX/XX/XXXX. 

I was told by the agent I spoke with that the funds was transmitted to another account and not the one I provided to them and they will investigate and get back with me. I kept calling and was told a copy of the check will be express to me and I can follow up with XXXX. As of date I have not received any correspondence from HSBC only promises.
I received 3 text messages ( see screenshot for dates XXXX from XXXX regarding an outstanding check i have out with checksmart from 1month ago. First text was to tell me my check payment was overdue. The last 2 stated if i call XXXX before XX/XX/2019 I would get 20 % off what i owe. When i called that number today a woman asked for my social security number so she could look up my balance. Then gave me my balance which was correct. She then asked me what the text said i told her 20 % off she says oh ya oh ya we can do that. Then says let me find calculator. Ya thats about {$92.00} off i think and asked for my debit card number very excitedly. I didn't think a debit card could be used to pay off check. So i asked if i could go into my local branch and have the same 29 % off, she then stated she was at corporate office and this promo would not be honored in any store only over the phone. Time was XXXX when i called. Upon looking up the business hours for checksmart corporate i descovered they close at XXXX and theres not even a local branch that stays open that late. She was able to provide me with the correct amount i owed on check but i dont know is that info available to the public with just a social security or maybe she's a crooked employee. Is this a scam? I didnt give my debit card info. And my complaint isn't directed towards checksmart only toward this alleged scammer.
I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.
XX/XX/XXXX, I originally got a XXXX XXXX XXXX van from XXXX XXXX with {$2000.00} down payment, total sale price is {$10000.00}. Amount financed is {$6800.00} and the total value of payment after I would have made all payment is {$8600.00}. Amount financed is {$1400.00} at annual percentage rate of 26.71 %. After some payments in the month of XX/XX/XXXX I was transferred to another company called STRATEGIC automotive servicing company when my loan origination was {$3700.00}. I continued my prompt payment until I tried to make another payment on XX/XX/XXXXwhen I realized my online account is no longer available on their website. What kind of companies transfer your loan account to another without due notification???? SAD. Instantly, i received a call from another company called XXXX XXXX XXXX XXXX that my account has been transferred to them. Right now, strategic auto. servicing payment record does not match the balance sent to me by XXXX XXXX XXXX XXXX, so i never recognize their generated account number.. I have called and sent mails severally to these 2 companies involved for a week now to express my frustration but to no avail. These companies are trying to cheat me, somebody pls help me ... ..they 've told me that my record is presently under review and said no additional charge or interest will be accrued towards my payment since it was n't my fault to paused the payment. but, i 'm scared i can not afford to loose my van cos i have paid too much for it and its all i have to take the kids to school.
XXXX XXXX shows on these dateXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
They ( XXXX XXXX XXXX XXXX are calling me repeatedly and I have blocked their number, but they continue to use other phone numbers to contact me.
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on several separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. This inaccurate information has caused my family the inability to obtain housing.
Chase is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how chase is accepting that the payments were returned see document attached but still Chase reported but still Chase reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead  so it remains on my credit report forever
Current status : Resolved - claim not paid Help for Resolved - claim not paid layer Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/XXXX Merchant name : XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Ref. # : XXXX Message date : XX/XX/XXXX Subject : We received your claim and it is currently being researched. 
That is the response I got from my credit card bank of America. I purchased a bag from XXXX and it was advertise as Authentic and with all the supporting documents included, I believe the seller but the bag was broken so took it to XXXX to get it fix and behold they told me with letter that the bag was counterfeit. I called XXXX and there is nothing they can do because the 30 days money back warranty is over. I called XXXX and they told me that I have to call my credit card company which I did and they asked me for supporting evidence which I submitted the letter from XXXX. I did n't hear anything from them until over a month. Then I called XXXX, to what my credit card decision and they told me that I missed the window of time frame which is 180 days and that was XX/XX/XXXX. But when I first called them nobody told me. I called my credit card company again and told them that I believed they did not investigate in my behalf, because if they did, in fact investigate and called XXXX, I would 've been covered. They pin point me from one XXXX, to credit card and XXXX, when I called them they told me to reverse the call back to credit card
I have been attempting to assume a mortgage loan from Nationstar Mortgage since XXXX 2015. During the process there were various documents that I needed to supply to the loan assumption department of Nationstar Mortgage. Documents included Loan Application, Rental History, Bank Statements, Tax Info and Title info. Please note that Nationstar did not or has not provided a telephone number that leads directly to the Loan Assumptions Department. Nationstar only provides a mailing address and fax number. 

Starting in XXXX of 2015, I sent the initial completed loan application to Nationstar via certified mail. After about a month I received a mail notification from Nationstar stating that pages were missing from the application packet. I resent the missing pages via certified mail again. Month after month I receive mailings from Nationstar stating that they have not received several documents. I resend information over and over again via certified mail, email and and/or fax. Time after time I receive mailings stating that I am missing documents. 

Today I received a mailing from Nationstar stating that they have not received XXXX last document and if they do not receive it in the next two business days, they will close the case. 

This is extremely frustrating because Nationstar does not provide any way to confirm receipt of documents and there is no one to speak to for any feedback whatsoever. It is now XXXX XXXX 2015. The process began in early XXXX 2015. There is no one to call. Email messages are not replied to and fax gets no replies. I have sent documents via certified mail, email attachments and fax. I do not know what to do next. Nationstar Loan Assumptions will close the case in two business days and there is no one to assist me and no way to confirm that Nationstar has received any documentation. I have no clue of what can do to move forward.
NCC Business Services is calling my cell phone about a debt owed by someone else. They keep saying " If you are? ( can't make out the person 's name ) press 1 to speak to a customer service rep. '' I am not the person mentioned and can't understand or hear what the person 's name is that they want to speak to.
I called Green Tree Servicing LLC on XXXX XXXX, 2015 to get clarification on how PMI could be removed from my home loan. The Representative I spoke with gave me inacurate information which lead me to request an appraisal in order to remove the PMI. At the end of XXXX I received my appraisal with a letter declining the removal of my PMI. The letter completely contradicted the information given to me on XXXX XXXX. I immediately contacted Green Tree to explain the situation and request the removal of the {$420.00} appraisal fee. Since then Green Tree has admitted ( in writing ) that they gave me the wrong information but has refused to waive the appraisal fee. In addition, I received the worst customer service possible. Calls were never returned, questions went unanswered, etc. Attached is a letter that more thoroughly breaks down the details of this issue. Also attached is the denial letter from Green Tree Servicing LLC that makes absolutely no sense.
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX  on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX # XXXX.
My original mortgage was with XXXX XXXX XXXX. Recently my account was sold to Carrington which has been a nightmare. I had purchased new Home Owner 's insurance before I received the notice of the change in mortgage companies. My Agent has sent Carrington 3 notices of the insurance change, once each time I receive a notice from Carrington. On XX/XX/2018, I received a threatening letter from Carrington that they were going to add Homeowners insurance to my policy that would cost me much more than if I purchased it on my own. Once again, I sent this notice to my insurance and they sent Carrington the information on XX/XX/XXXX. On Friday, XX/XX/XXXX, I received a letter stating that my mortgage payment would be going up {$87.00} per month due to their insurance amount. When actually, my new insurance decreased somewhat and my mortgage payment should be less than what I was actually paying with XXXX  XXXX XXXX. 

I have called and no one seems to be able to help me with this situation, they ramble and then ask " is there anything else I can help you with '', when they haven't even come close to answering the first question I had.
There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.
On XXXX XXXX, 2015 I received an email from American Express Serve notifying me, that they would start charging a monthly {$4.00} fee to keep the account open. After receiving the email I decided to cancel the card and logon onto my online account. 

After logging into my online account I attempted to close the account but was blocked from being able to do so, as their computer system then required me to respond to an additional verification email. I waited several minutes but never received a verification email which I could respond to. 

I then called their customer service number at XXXX and spoke with an agent whom I provided personal verification information ( SS #, DOB, Address ) and requested to close the account several times over the phone. The agent refused and stated that I had to first respond to the verification email ( which I have yet to receive ). We spoke on the phone for several minutes while he attempted to send multiple emails which continued not to arrive. I again requested that he close the account for me over for phone and the request was refused. The agent stated I would have to wait for the email to arrive, I asked if there was any other way I could close the account he said no. 

At this time I do not know if I will be able to close the account and am concerned about being charged penalties and late fees. I 've now spent over hour attempting to close this account and still do not have a resolutionI 'm also concerned that the current business practices and procedures in place will also prevent other consumers from being able to avoid injury as well.
On or about I sent in a dispute to Experian regarding XXXX collection accounts. I have not received any response regarding this inquiry.
My mortgage was sold from XXXX to Mr. Cooper XX/XX/2017 I have since received several notification mail requesting proof of Hazard insurance. 

I have provided insurance proof and a representative from Mr. Cooper 's Insurance dept. has confirm receipt over the phone. But they are now requesting proof of insurance that covers the inside of my house and if I do not provide proof they are going to buy it for me and add it to my mortgage payment. 

Not exactly sure of what type of insurance Mr. Cooper was referring to I requested they call my insurance agent. I spoke with my insurance agent shortly afterwards.. he said they are requiring insurance for my personal property..he asked why do they care if i carry personal property insurance and what does it have to do with the mortgage..at which time he says Mr. Cooper hung up. I have nothing of my personal property worth insuring and have never before had to provide this info to a mortgage company. Is this legal? I have until XX/XX/XXXX. 

thank you
When filing a chargeback legally the creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. While Chase does send a letter for every chargeback submitted, they are far from letters acknowledging the dispute. Quite often the letters acknowledging the dispute have no information identifying which transaction or dispute they are actually acknowledging. Furthermore, during the course of the investigation, they will send out generic requests for more information without identifying the dispute or charge they are requesting more information on. Thus they are not acknowledging or fully and fairly investigate the disputed charge on my bill. I've attached a few examples I've received.