WillisBack/dataset-financial-user-claim huggingface dataset:
Hello - XX/XX/XXXX - At the advice of my tax advisor I prepaid my XXXX real estate taxes due to XXXX XXXX for my property located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX / PARCEL ID XXXX. TRACKING # XXXX XX/XX/XXXX - XXXX XXXX deducted {$2800.00} out of my XXXX XXXX account for the payment of the XXXX real estate taxes. 

XX/XX/XXXX - I spoke with Ditech Financial ( XXXX ) customer service to inform them that the XXXX property taxes were paid in full and inquired as to the procedure for requesting an escrow analysis and subsequent refund as my escrow account is significantly over funded. Much more then one-sixth ( 1/6 ) of  the estimated total annual disbursements from the escrow account. Customer rep at Ditech provided a fax number of XXXX to send a request for analysis. 

XX/XX/XXXX - Drafted and faxed letter to Ditech along with my supporting documentation. Fax confirmation came thru and is attached in the PDF. 

XX/XX/XXXX - Receive letter from Ditech via US Postal Service dated XX/XX/XXXX denying request for escrow analysis.
I will be addressing Fraudulent Note XXXX and Fraudulent Note XXXX Federal Truth-In-Lending Disclosure Statement Tax/Insurance Payment Notice XXXX Addendum-No. XXXX to uniform Fraudulent Residential loan application The Borrower 's Certificate The Lender 's Certificate XXXX XXXX XXXX Wells Fargo Authorization to disburse the net proceeds from the re-finance of the premises according to the fraudulent ( XXXX ) Title Insurance for Title No : XXXX Notice of Owner 's Title Insurance The Lump Sum Disbursement Certification ( For Borrowers requesting at least 25 % of the Net Principle Limit as an INITIAL LUMP SUM DISBURSEMENT ) By signing below, the borrower ( s ) acknowledges they have been advised that the Federal Law prohibits using any portion of the Lump Sum disbursement of HECM Loan PROCEEDS for payments to or on behalf on an estate planning service, as that term is defined in Paragraph XXXX. XXXX APPLICATION STATES THE DISBURSEMENT WILL BE A LINE OF CREDIT.
online informed them that my XXXX daughter is incorrectly listed on my credit report but none of the agencies have responded to me in over 3 months
They call me multiple times a week and yell and scream at me and tell me I am a bad person and I owe over XXXX which is not true, they wo n't even take a payment they just scream at me, they also will not provide any kind of documentation of the debt in full.
I attended XXXX campus in XXXX XXXX to XXXX XXXX in the XXXX degree. I was forced to open a private student loan through the campuses financial company. They called it a Genesis loan. The loan amount was for XXXX. It was to cover the difference of tuition that my federal student loans did not cover. I currently have XXXX in federal loans due to this school that was found to have fraudulent financial practices such as inflating tuition and making students take out these private loans. I need help in forgiving this loan due to the fraudulent financial practices of my school.
I have written and called Infiniti Financial about my lease multiple times. They had lost a payment of mine and then cashed it 2 weeks later. I sent a copy of the check that they cashed clearly showing the date I sent it and the date that they cashed it. They put a late fee on my account. I called to discuss it again, They still did not fix it. They sent a report to the credit bureaus over this which ruined my 25 years of perfect credit. PERFECT CREDIT. I then sent letters with proof to Infiniti again and also to XXXX. Infiniti then changed their story stating that it was a different month that I was late. A different month then they reported to XXXX. I then sent proof that I paid that month on time. They still did not fix my credit report. I paid their leases for 6 years on time. I had perfect credit for 25 years. I believe this proves that they should fix their mistake. Losing a customer of 6 years because they are incompetent seems absolutely ridiculous but this is making me end my lease, leave bad reviews, and seek legal action. They have multiple horrible reviews stating that they give false fees and do not fix errors. They seem to lie instead of having to do the work.
I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with XXXX ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!
XXXX XXXX located in XXXX Washington after XXXX XXXX XXXX engaged in fraudulent practices falsified mortgage documents of our home  and then allegedly sold a loan after a law suit was filed in federal court thereby attempting to foresclose on Home by conspiring with XXXX and posting and sending documents of attempted sell for a date of XX/XX/XXXX.  Later, received a letter upon return today From XXXX XXXX in XXXX, Washington stating that property was allegedly sold on XX/XX/XXXX and to contact XXXX. This is a perfected interest property registered with Secreatary of State in Washington under a TRUST.  A RESPA COMPLIANT WAS FILED HOWEVER, THE COMPANIES HAVE FAILED TO VALIDATE OR RESPOND TO RESPA REQUEST AND VALIDATED THE LAW.  Several Letters have been sent and defaulted on for their individual andf collective failures to respond and validate debts.  In addition, these companies have validated numerous copyright agreements filed with Washington State in the AMOUNT THAT EXCEEDS $5,000,000.00   PER GROSS INCIDENT IN COPYRIGHT INFRINGMENT AGREEMENT OF $XXXX  PER INCIDENT.  THIIS IS PUBLIC RECORD AND HAD BEEN A NOTICE TO PUBLIC FOR MANY YEARS.
Student loans dates and amounts as followes Date opened XXXX/XXXX/XXXX amount for XXXX Date opened XXXX/XXXX/XXXX amount for XXXX Dated opened XXXX/XXXX/XXXX for amount XXXX Date opened XXXX/XXXX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file
Sent Inquiry removal letter to TranUnion after trying to contact creditors to no avail. as TransUnion told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. TransUnions customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I R Case XXXX I do not recall authorizing any of these.
Company allowed me to lease a vehicle at an astronomi cal " Rent-Fee '' ch arge that should be deemed illegal. After 3  years of paying this disgusting rate, I went to purchase my vehicle through Ally Financial ( the same company I leased the car from ) and they denied me financing. How could it be fair to not allow the customer to buy the vehicle after a lease?
I have disputed and requested to have an item from the U.S. Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with XXXX, and have received notice from each that the item was verified, is correct and can not be removed.
Buy a business to participate and a type of presentation which ended up with my information been enrolled in a program for which I did not know that I was be held liable for any type of repayment this was totally a slam and I oppose the Debt from XXXX XXXX XXXX.
I have worked with the XXXX XXXX XXXX  Call Center since lateXX/XX/2017 to resolve the technical error whereby the XXXX XXXX XXXX was not at first recognized by the XXXX XXXX.

Bottomline, after submitting proof that I was covered by an XXXX Account well before the alleged violation on XX/XX/2017 XXXX provided proof that all debts were paid through the XXXX account and by a separate payment of {$27.00}. This final resolution was under Confirmation number XXXX.

Despite this, someone representing the State of Illinois referred the matter to the debt collection firm : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WI XXXX  XXXX  alleges I owe over {$700.00}. Note that I have yet to have an actual State Employee pick up or return my call.

Looking on-line, it appears that the Call Center Contractor and XXXX are quite active fleecing the taxpayers of multiple states while the taxing authorities turn a blind-eye to this revenue-enhancing illegal debt practices.
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. My loan # with Nationstar is XXXX. Previously the original loan was done with XXXX then sold to XXXX XXXX XXXX. XX/XX/XXXX due to the real estate crash XX/XX/XXXX and loss of income we were not able to continue making our payments of {$2100.00} We have gone though the modification " torture mill '' with XXXX XXXX XXXX for several years then Nation-star for over a year now who had repeatedly denied our modification even after being qualified with the HUD agencies . I filed a complaint with cfpb and now they have decided out of fear to give me a trial mod of {$3800.00}. From {$2100.00}. to {$3800.00}, Now this is just setting us up to fall on our face again. The loan amount is over is {$130000.00}, more than the market value. 
When I contacted them today and spoke to XXXX in loss mitigation, she told me that I can either short sale the property or just sign a deed in lieu. Please help me save my home.
Freedom Mortgage misappropriated a refund check from our insurance company to our escrow account to our principal. This was done even though we sent the check with a letter stating exactly where the money was to be placed. They gave us the language to use in the letter. This error was not realized until there was an escrow analysis done and we were notified that we had an escrow shortage. There was no way to access our escrow account on line and we were unable to see the running balance. We contacted Freedom Mortgage and they said they would investigate. Without contacting us they transferred money from our principal to the escrow account. This was an issue as they did not apply it to the escrow shortage account, therefore we were still showing an escrow shortage. This issue took 10 phone calls and 20 hours. We are still paying money to this shortage and we are not convinced that there is an actual shortage because they have not provided evidence. We asked to have our PMI removed and were told we needed to have an appraisal. We have paid for the appraisal from their providerand submitted to Freedom Mortgage. When we call customer service they say that we were approved to have PMI removed from our account on XX/XX/2017. We have received no notification from freedom mortgage. We paid the PMI for XX/XX/XXXX as it was still indicated on our bill. If we did not pay it would be denied as an insufficient payment. Our XX/XX/XXXX mortgage payment still indicates the payment required for PMI and we are still paying the escrow shortage!!!!!!. We have called every day and we are told that they are emailing the escrow department. There is no one to speak to. You can either get a very sympathetic customer service representative who tells you that they are sorry and they know that this is wrong, or you get someone who is very rude. If you ask to speak to a supervisor they put you on the phone with a deescalation member who is not a supervisor. There is no accountability with this company they give empty promises of sending e mails to the department that can help you and than you never hear back. We asked to pay our own taxes and insurance an we were told since our PMI cancellation was approved we were being released from that obligation. When we called to ask why our bill still has us paying taxes and insurance to escrow we are told they may want to wait a few months to make a payment in XX/XX/XXXX? We never speak to a bank official we only speak to customer service representatives who have no definitive answers. This company is a predatory lender they use smoke and mirrors to misappropriate funds and they are not servicing my loan appropriately.
On XXXX XXXX XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX  Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XXXX and XXXX XXXX. My account was closed in XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XXXX XXXX XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XXXX XXXX XXXX they posted another late payment to my account for the month of XXXX XXXX, 8 months after the alleged late fee occurred which caused my credit score to  plummet almost XXXX points. Further more the name is reported inaccurately on this account.
tried to activate renewal by phone with number on card. all i got was a bunch of personal questions and then offering a cruise plus fee. could not get through to activate card. finally called tel. no. on my bill and it was resolved..
A company by the name of Clarity Services , Inc in XXXX, Florida has been accessing my credit file on behalf of XXXX different pay day loan companies. I have never done business with or worked with any of these companies. They have improperly used my social security number and I have no idea how they obtained it. I want all these inquires removed as well as all of my personal information from their files.
XXXX XXXX XXXX-no product issued XXXX XXXX XXXX-no product issued XXXX XXXX XX/XX/XXXX -no product issued XXXX XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XXXX XXXX-no product issued XXXX XXXX-no product issued XXXX XXXX/XXXX XX/XX/XXXX -no product issued XXXX Card XXXX-no product issued XXXX Card XX/XX/XXXX no product issued XXXX XXXX XXXXXXXXno product issued XXXX/XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XX/XX/XXXX -no product issued XXXX/XXXX  XXXX XXXXno product issued XXXX/XXXX XXXX-no product issued XXXX XXXX-no product issued
The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.
XXXX and this company name, according to XXXX is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes XXXX and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with XXXX on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.
On XX/XX/2018, around XXXX eastern time I received a call from XXXX XXXX XXXX indicating I had been approved for a loan. They offered me a loan of {$500.00} that would be deposited into my checking account. I was advised I had extended time to pay and could pay off early. With the call happening so late in the night, I accepted the loan. Afterwards I was sent a link to click on and " agree '' to the loan. I wasn't presented with the Truth in Lending disclosures or otherwise I would have declined the loan. 

My " contract '' arrived via email. The APR is 861.71 %, on a XXXX loan. The total payments scheduled were biweekly with 16 payments total. The total " cost '' of the loan with all payments made is {$1800.00} which would make the grand total repayment amount of {$2300.00}. 

Payday loans are illegal in the state of Georgia unless the lender is licensed by the state to issue loans ( which this tribe is not ) and unless the lending institution is insured by the FDIC ( again, they are not ). 

Further the interest rates in this loan also violate state laws aimed at protecting customers. At the time, I was unaware this predatory lending was illegal. I have contacted the XXXX County District Attorney as well as the Georgia Attorney General 's office regarding this company and its lending practices.
Washington Mutual held my mortgage when they went under my mortgage was lost for 11 months whenever i tried calling we got no answer and they were not cashing my checks .my home went into foreclosure, my home was up for auction and there was nothing that i could do. on the twelfth month we recieved a package in the mail it was a new mortgage company XXXX mortgage and i had a 30 year new mortgage with about XXXX-XXXX thousand dollars in fees. i did n't understand what the hell was going on i tried to call different people and they brushed me off by saying at least u still have your home.i built my home XX/XX/XXXX and would have been done XX/XX/XXXX if this tragedy would not have happened to me. i often wonder how many others were affected by this. but i lost about 15 years on my XXXX mortgage, all of my equity. it was a terrible time for me i went through a XXXX XXXX. i still go through a lot of things when i think about my house would be paid off XX/XX/XXXX if everything would have went the way t was suppose to, i met a mortgage broker and she advised me to contact CFPB. i really hope there is something that can be done, i do n't know but it is worth a try so iam trying
On XX/XX/XXXX Black Friday I purchased a promotional television for 24 months 0 % interest. When I receive my statement on XX/XX/XXXX ( 60 days later ) the company began to charge interest on the purchase. On XX/XX/XXXX I reached out to the company to complain of the interest rate increase. On XX/XX/XXXX I was told that I had 60 days to make a written statement from the time I made the purchase. When I counted the number of days from the time I purchase the TV till the time the statement came out it was exactly 60 days, which left me no time for recourse on this issue.
LTD Financial Services is trying to collect a debt for {$520.00} for XXXX XXXX XXXX complex. The company kept my {$400.00} deposit when I moved out and now they are sending me a bill for this amount. I cleaned the apartment, and carpet is due to normal wear and tear after 2 or 3 years which should be replaced anyway so why am I being charged for damaged carpet? This debt was opened on XX/XX/2017 and no one reached out or contacted me about any misdoing when I left.
After receiving a letter from IC System on  XXXX   XXXX ,  2017  of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on  XXXX   XXXX ,  2017  ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.
XX/XX/2018, used XXXX to get a free credit report. I filled out the required form and selected TransUnion where I was redirected to the TransUnion website. I expected the free credit report link to be clearly identified, but instead it had an article on credit reports and sales pitches for other services such as " absolutely free '' XXXX. It was unclear which button, if any, would lead to the free credit report. I clicked on a couple of buttons and both led to a form page. After chasing links, I decided to fill in the form page information to see where it would lead ... hopefully to the free credit report. I provided required information including social security number and credit card information. The site said personal credit information is required for identity confirmation only. Then I was required to click an " I agree '' button with no mention of fees, that I hoped would lead to my free credit report. Instead I received a message about being billed {$19.00}. I tried to backtrack, delete, cancel, etc., to no avail. Now TransUnion is withdrawing {$19.00} from my bank account every month. I called the telephone number associated with the charge on my bank statement. The representative said the charge was for TransUnion membership. I did not knowingly authorize this charge. 

I found TransUnion 's website information to be deceptive. Because they deal with sensitive credit information, I mistakenly assumed TransUnion would be forthright in their business dealings. However, credit reporting companies are for-profit entities and as with any company, that sometimes includes questionable business practices, or at least clever marketing tools that mislead trusting consumers. 

TransUnion should be clear about fees associated with all services and tell their potential clients that the button they are about to click will charge a fee to their credit card or bank account. They also need to clearly describe how to cancel their services. There should be no surprises when transacting business with a credit reporting company such as TransUnion.
XXXX XXXX has fraudulently been using my SSN since XX/XX/XXXX and in XX/XX/XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

Equifax & XXXX  wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XX/XX/XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX  and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

Equifax 's site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to XXXX, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.