WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I purchased a home in XX/XX/XXXX and the loan is being serviced by LoanCare. At the beginning of XX/XX/XXXX, we received a letter from LoanCare stating that our mortgage was increasing by {$300.00} per month because our taxes had increased to {$4500.00}. I wrote back to them and sent a letter from the XXXX XXXX XXXX appraiser stating that we had filed a homestead exemption. I waited a few days then called to see if they had received the paperwork. They said that they had a nd that I would have an answer with regard to re-calculation by XX/XX/XXXX No one called me back. I called them back and spoke to a XXXX who told me the tax dept was working on it and that I would have an answer in 72 hours which would have been XX/XX/XXXX. No response. I called back on XX/XX/XXXX and spoke to two people, one named XXXX who told me that re-calculating normally takes 6 weeks. I asked to speak to a supervisor, he told me no one was available but that someone would call me back within 72 hours. Still no response. I have on two occasions requested, in writing, for an advocate, and have gotten no response! I now wonder if they are working on a re-calculation at all and where did they come up with the {$4500.00}. The County estimated our taxes at {$2300.00}. We are seniors and can not afford this {$300.00} per month increase, especially when we did our exemption. Can someone help us. This company it totally unethical and unresponsive.
My Chase credit card were suddenly all closed. I called the customer service to reinstate them, I was told that closed account could not be reopened and that I had to apply for new cards. After a while I applied for Chase credit card and my application was denied to to previous unsatisfactory relationship with Chase. At first I argued that I never had any missed or late payments with Chase, but then I was told that there were two accounts from 2004 that were opened in my name and were both charged off. The CS provided me with the Chase Recovery Services phone number. After speaking to an agent I received a letter from Chase that said that the account was opened fraudulently in my name and therefore they removed it from my Chase profile. After a year I applied again and received another letter that application was denied due to unsatisfactory relationship with Chase again. I called this time and was provided with the same number. I called and requested that all these fraudulent account were removed from my Chase profile. I was later told that an investigator was assigned to my case and was given his number with extention. 
I call the number and leave messages but no answer or call back. I am really worried because if I had previous relationship and that was unsatisfactory why I was approved for Chase cards and later my cards were closed. This means that this information was not there. Unfortunately it does not show in my credit report to dispute it, but exists internally with Chase under my profile.
I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.
I am a XXXX. I have XXXX for 13 years. The last 6 years of my XXXX career  have been at 2 low income XXXX. I applied for XXXX loan forgiveness through my 2 current lenders. I owe about {$1000.00} to XXXX and about {$3000.00} to Navient. The loan forgiveness act allows up to {$5000.00} to be forgiven when certain criteria are met. I have met the criteria. I applied for forgiveness at both XXXX and Navient because the combined amount is less than {$5000.00}. I sent in the applications last summer ( XXXX 2016 ). The forms were exactly the same. The one sent to XXXX went through with no problem. It is currently with the Department of Education awaiting approval. Unfortunately, the same ca n't be said for Navient. I turned in the same form to Navient and they denied because the principal wrote the name of the XXXX as XXXX XXXX, but on the XXXX Cancellation Low Income Directory it was listed as XXXX XXXX. I called Navient and told them that there are hundreds of XXXX on the list that say XXXX. and that it is a common abbreviation for XXXX. The supervisor I spoke to then said that it would be ok, but that I marked a box incorrectly in another section. She told me how to fix it and then I resubmitted it. About a month later I got another denial letter, but this time it said that the service date was written incorrectly. It said it had to be written as mm/dd/yyy. However the service dates were written correctly. Instead where the XXXX  signed and dated it she wrote the date as mm/dd/yy. I called several months later because the XXXX year was underway and that is a very busy time. When I called Navient and complained, again, after almost an hour on the phone they said they would resubmit the application. That was a couple of weeks ago. Today, I got a letter saying that my application was denied because my current employee wrote my service dates as mm/dd/yyyy to current. They denied it because it ca n't say current that it must have a date. I called again. I told them that they should have told me everything that was wrong with my application from the beginning. They just seem to keep picking some tiny thing to deny it each time. I also told them that the same application was sent through XXXX with no problem. I have been told that I need to fill out a new application to resubmit. I am beyond frustrating and feel like I am getting the run around. I feel like they are just trying to get out of the forgiveness so that they can get more money is interest from me.
Date XX/XX/2018 Substitute Check First Check on Business Account, Account Now Negative with Overdraft Fees.
Navient frequently locks me out of my account. On XX/XX/2017 -- I changed my password and stored it in my XXXX cloud keychain. When trying to log in later in the day, it promptly told me that my password was incorrect and locked me out of my account. This is at least the 3rd time it has happened. On top of that, when you change you password ... you 're not allowed to use any of your previous XXXX passwords. This password reset and change cycle makes it infinitely more complex to attempt to log on regularly to pay your student loans. 

In addition, they 've been allowing individuals other than myself to change account information such as contact and address information in order to collect money from family and relatives. I know this because I have seen my billing and contact information change to either my mother 's or brothers ' phones, addresses or email addresses -- this has caused considerable strain on our family relationship. This loan is not cosigned or any other way involved my relatives. 

In addition, their recurring payment option only works if your account is current ... meaning if you decide to use it while your account is overdue, it never processes a payment even if your automatic payments will meet or overpay the current balance due. With the problem of signing into your account as stated above, you can see how individuals will just end up failing to pay on time or to bring their accounts current. 

If you 'd actually like to pay your bill not online, it requires then calling them and setting up a phone payment which you are promptly charged a fee for. 

Currently have now waited over 19 minutes from when I was suppose to get a guaranteed call back from customer service regarding this issue.
TransUnion has the following information on my credit report and it is not correct : Shows a late payment account from : XXXX XXXX  This has never been late. 

XXXX XXXX XXXX This is not my account. 

XXXX XXXX This account was never late. It shows charged off. {$57.00} XXXX XXXX This account was never late. It shows charged off. {$4000.00} XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Upon checking my Credit reports, it was found that a Discover card was opened in my name. I have filed an identity theft report with the FTC as well contacted the attorney generals office in Louisiana and the XXXX Police Department. I notified Discover of this fraudulent account and they still insist that this account is mine. At the time of account opening, I resided in a foreign country and at no point did open this account. Discover refuses to accept the prima facie facts of this fraud.
I have contacted EQUIFAX 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. 

Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! 

They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Garnishment Notification and Arrest Notice LEGAL DEPARTMENT OF MAJOR CREDIT BUREAU Police Case file # XXXX Loan Reminder/Debt Recovery Due Amount- {$980.00} Dear Debtor, This letter is to notify you that we have received a Summons of Garnishment on your wages. This means that someone you owe money to has been awarded a judgment by the court for payment of the debt. The court has ordered us your employer to deduct 25 % percent of your disposable earnings and make payment to the court on your behalf. The following applies to you : Before you are arrested If you pay in full or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. 

After you are arrested Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the courthouse. 

If you want to stop the garnishment deductions from your paycheck, you must obtain a release or pay the entire amount you owe, which you can pay with the help of Debit Card, Prepaid Card in order to close this account.

What is garnishment? 

Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. 

Why am I receiving this notice? 

On XX/XX/2018 we received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$980.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact us for the settlement amount. 

If you have any questions about the garnishment, you should contact the persons named on the included Summons of Garnishment by email. 

If you want to resolve this matter then we have settlement amount for you ; 1. One-time Payment of {$560.00} by today. 

2. One-time Payment of {$740.00} on XX/XX/2018. 

3. If you are looking for Monthly payment then you have to pay the total amount of {$900.00} with payment arrangement and you can pay {$300.00} monthly till paid in full. 


Kindly let us know what type of payment arrangement you are looking for Sincerely, ( Department- XXXX law enforcement ) Sr. Investigation Officer Copyright ( c ) 2018 | ACE CASH INC | Privacy | Terms of use ____________________________________________________________________________ Confidentiality Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, Re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you receive this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
On XXXX XXXX 2017, I signed up for credit repair services with creditrepair.com and prepaid before any work was performed on my behalf. I contacted creditrepair.com to have one disputed negative item removed from my credit reports. <P/>On XXXX XXXX 2017, I paid {$14.00} to send my three credit reports. <P/>On XXXX XXXX 2017, a total of {$99.00} was paid for credit repair services which according to creditrepair.com included " credit challenges sent '' to the credit bureaus. I am unsure what credit challenges entailed. <P/>On XXXX XXXX 2017, I faxed documentation to support the billing reporting errors for the negative account and this was done to assist creditrepair.com in getting the negative account removed since my billing statements and what was reported by the credit bureaus were not a match. <P/>On XXXX XXXX 2017, another {$99.00} was paid for " credit challenges sent '' to the credit bureaus. <P/>On XXXX XXXX 2017, I received notification of credit reports received. Although, I already submitted my credit reports on XXXX XXXX 2017, creditrepair.com continued to send my credit reports to the bureaus as late as XX/XX/XXXX. <P/>On XXXX XXXX 2017, I received notification of credit challenges sent again but no evidence of these letters. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly asked creditrepair.com for proof of the work that they were doing for me. As of today, I do not have this information. <P/>On XXXX XXXX 2017, creditrepair.com informed me that they were unable to get the negative account information removed from my credit bureau reports and closed my account. I was also informed that the supporting documents ( credit card statements from the negative account ) indicated late payments which creditrepair.com was unable to handle. <P/>On XXXX XXXX 2017, I informed creditrepair.com that I NEVER disputed late payments. However, I hired the credit repair service to dispute the MINIMUM MONTHLY PAYMENT AMOUNT on my statements versus what the credit bureaus were reporting. This information does NOT match. According to the FCRA information reported by the credit bureaus should match ( 100 percent ) what is reported by the creditor. <P/>Creditrepair.com lied to me as well as misrepresented what their capabilities were with regard to disputing negative information reported by the credit bureaus.
I have disputed Credit Control Corp ( Collections ) on two occasions and receive a reply back that the accounts are mine. I have never had an account with this company or agency and these are not my accounts. I ask for a signature or contract and it was never provided, this is unlawful and very unethical. once your respond to a dispute is sent electronically it falls off in 30 days in reference to original dispute case number. 
XXXX, XXXX NC XXXX, XXXX, XXXXXXXXXXXX SS # XXXX, DOB XX/XX/XXXX I have gotten married XX/XX/XXXX married name is XXXX ; however mail is still sent in my maiden name. 
Thank you
Experian advised me to contact a collector ( XXXX ) for proper documentation since they had validated a dispute I initiated with the CRA. I followed their advise, to which the collector was unable to properly validate. I never received validation from collector after several attempts, I just received a printout. I then sent all documentation to the CRA and asked them to remove the account in question, to which their final response was ... '' We have previously processed this dispute and the credit grantor has verified its accuracy. " ... we will not re-investigate. I have all supporting documents including printout if needed.
Since XX/XX/2017 the company the company SMITH Roucon & Associates have been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company n several occasions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documetns. Also the creditor has billed MEDICARE and have been paid.
to whom this may concern I would like to take this opportunity to make you aware that XXXX bank has stole money from XXXX XXXX. 
they are refusing to refund him the money
Wells Fargo submitted false XXXX documents to the IRS on my behalf stating that my monthly Escrow amount was XXXX, when in fact that number is incorrect and does not reflect the balance on hand when they came up with that number. They merely added the insurance and the taxes, without subtracting the balance on hand, which at the time was XXXX and evidenced by Wells own record. 

Tax : XXXX Ins : XXXX Escrow XXXX/12mo = XXXX according to Wells Fargo However according to Wells own Escrow records ( XXXX/XXXX/2015 attached ) there is a standing escrow balance of XXXX. 

Escrow account : XXXX Existing BAL : XXXX Correct Escrow XXXX/12mo = XXXX So It seems I am not only being unfairly gouged, but now they are reporting this incorrect number to the IRS which is affecting my taxes
Kramer & Associates is contacting co-workers, family and friends who are not listed as references anyway. They disclosed to my mother that they were a collection agency ; they have left messages on my work phone and continually harass my cell phone.
I recently opened a Macy's/American Express card . Shortly thereafter, I received a bill with XXXX fraudulent charges - XXXX {$20.00} refills for XXXX. I immediately contacted XXXX XXXX and reported the fraudulent usage and closed the account. 
I have had the same experience with another XXXX account that I had held for more than 20 years. Over the last year, my account was compromised XXXX times. Each time I reported it, received new cards and the charges were reversed however, XXXX did nothing to secure my account as it kept happening so I closed it. 
Today I received a letter ( with an incorrect account number ) asking for the same information I had provided when I first reported the fraud and requesting I submit a copy of my driver 's license, social security card, work ID, etc. Needless to say I had no intention of supplying that information to them via mail or in any other format as they obviously have poor security standards. 
When I called to protest, I was initially told if I did n't submit the information my dispute could not be processed and the intimation was I would be responsible for the charges. I reiterated that I was not submitting my personal information and I was then transferred to a supervisor who said I did n't have to if I was " uncomfortable '' doing so but they would still need the form and reiterated that my dispute would not be processed without it. 
I have disputed any number of charges in the past with numerous banks and retailers, that were either in error, fraudulent or when I could not get satisfaction from a merchant. Never once have I been required to complete a paper form after completing the form online or speaking with a representative directly and I have absolutely no faith in XXXX XXXX to handle this correctly. Their customer service was at one time exemplary but within the last few years has become abysmal. I am attaching the credit card statement that includes the case dispute number XXXX XXXX provided when I first contacted them. The number is XXXX
On XX/XX/XXXX, after waiting 31 plus days for the 3 credit bureaus to delete XXXX XXXX XXXX ... I mail them letters to delete the Conns tradeline on the grounds it was never marked Consumer disputes .... they were reporting very incorrect balances and status. So as of XX/XX/XXXX ... they added the statement of disputed. They are now reporting the account as Open .... but a charge-off account cant be OPEN..!!! They have fraudulently reported a Missed PAYMENT .... after the fact they reported the account Closed on XX/XX/XXXX .... but they reported a missed payment that supposedly occurred last month, XX/XX/XXXX, on the XXXX CREDIT FILE. They are deliberately trying to victimize me. Again on the XXXX file they are deliberately reporting it as Open with a current missed payment. Fraudulently reporting is something hopefully you guys can see when I upload the documents. A Charge-off account cant be an open account. Please investigate and delete this fraudulently reporting company. Thanks in Advance
Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.
I opened a second mortgage line of credit wth KeyBank in XXXX for {$130000.00}, which I use most of by XXXX. 
Owning my own business I was forced to shut down filing personal chapter 7 after loosing everything I had. Even though the mortgage payment was never late it was put into collections, I no longer had visual access to the balance but continued to pay it. In addition after I filed I was changed {$110.00} a year for lawyer fees which I complained about, no explanation just the overriding attitude of, ' we do what we want '. Fast forward its now XX/XX/XXXX, my house sold and pay-offs ordered. To my surprise the keybanks pay-off for the second is {$1900.00} higher then the original loan contract. For the last two days I 've been trying to get answers and no one has any, once its paid according to this department ( CFPB ) all I do is file a complaint. This is not the only problem I 've had with Keybank. When I filed I had two loans both, after I filed were changed off and sent to collections even though they were both paid as agreed and re-firmed. I now have two loans I 've been on for over 10years and even after requesting that I be allowed to see the balances the bank refused. Had I request the balance of the pay-off that was ordered by escrow I would have been at closing forced to pay it. All I can say with regard to KeyBank is watch your back.