WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have multiple mortgages with many different servicers and Associated Bank is on a completely different level in terms of their inadequacies. Attempting to work with Associated Bank is the single most frustrating experience of my life. Its like taking a step back into 1970! You can literally do NOTHING online except view a statement. You can't view specifics on your account, request a payoff, view escrow account -- NOTHING. In the 20+ years I've had mortgage accounts, I've NEVER spoken to the servicer as much as I have to with Associated Bank over the past 18 months. Most recently, they made another error on my escrow account. Luckily the taxes are only due twice a year on this property, so they can only botch it up semiannually! We went through the regular dance on XX/XX/XXXX where they call, so we pay the shortage. I called back on XX/XX/XXXX to find out what it will take to just pay the entire escrow shortage, I cut them a check for {$1600.00} and we're done. Nope! This time as an added twist to their incompetence, they start sending delinquent notices! Apparently, although I paid exactly what the rep told me to refill the escrow account, they later decided I should give them another {$1000.00}! 

Finally, after wasting another hour of my life on the phone with this listless band of halfwits, my checking account was debited over the phone for another {$100.00} for the payment shortages, and I've requested another {$1000.00} to go into escrow. I'm sure that in XXXX, they will be sending me a refund again because my escrow account is over-funded! 
Associated has clearly shown their inability to simply balance and pay an escrow account. I want to have my escrow account dropped w/out any charge. If anything, they should be paying me for all my time and frustration!
I pulled my credit report and on it was listed a Judgement in the amount of XXXX for ADastra for a loan through XXXX. I have no idea what this debt is I have contacted the company as well as submitted XXXX disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.
I had the attached federal tax lien # XXXX in the amount of {$7700.00} WITHDRAWN by the IRS after it was released. I have submitted several requests to Equifax asking that the lien be DELETED from my credit report but Equifax has repeatedly refused to delete the lien, the most recent request being the one denied and referenced # XXXX dated XXXX XXXX, 2015. Equifax continues to report the lien as RELEASED and refuses to DELETE the lien from my credit report, in violation of the FCRA. 

Both XXXX and XXXX have DELETED the lien from my credit report ( see attached public records portion of my credit report ). 

Please have Equifax DELETE the WITHDRAWN federal tax lien # XXXX from my credit report.
I received a prepaid debit card from Citi bank as a reward from XXXX XXXX XXXX. I have tried using the debit card and was unable to verify my balance for an extensive amount of time. When finally getting the card reactivated I was informed that I incurred service fees on the account while it was deactivated.
On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.
They Call me constantly to tell me my mortgage is late because it has n't been received by the XXXX of the month. But it has a grace period and the payment is always paid within that grace period and is never late. We are being scammed by them in an effort to force us to sign up for automatic withdrawals. Our mortgage was sold to them from the original bank we had our mortgage with for XXXX years and we never had a late payment. This company is crazy. They call us almost everyday and are now harassing us at work for a mortgage that had been paid. We recently mailed the payment and they called us to say they never got it. I had to stop payment in tje check and am now being told because it really is late now there is a late fee charged. Please help us.
I owed {$75.00} for my iPhone and I was never contacted about my card never bring charge 2 years later. I get a call from a collections agency that my debt is now {$700.00} dollars. This is n't fair!
CBNA continues to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.
Citicard : I subscribed to paperless billing and pay out of my bank account. I provided CITI with bank info. They did not deduct amount due, then claimed I was late, charged a late fee and interest. I decided to close account and pay, but I think this may be a scam and want to report it. I never received a paper bill, although requesting it.
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and deleted but then reinserted.
In XX/XX/XXXX I was wrongfully evicted from my apartment in XXXX XXXX XXXX in XXXX, Tx. I was able to get another apartment in my name over the next two years without any issues. When I applied for a job in the summer of XX/XX/XXXX I was denied because I had {$6900.00} in debt from a collection from XXXX XXXX XXXX in XXXX, Georgia. I assumed that XXXX XXXX XXXX sold the remainder of the lease to XXXX XXXX XXXX. This collection agency directly prevented me from getting this position I was applying for, and other apartments later in life, and they have never reached out to me to verify the debt. They have never tried to contact me in regards of anything concerning this proposed debt.
I noticed that my XXXX score reported by Experian XXXX to XXXX XXXX XXXX had dropped almost XXXX points between XXXX and XXXX ; however, I am in good standing in all of my accounts and pay my credit cards in full every month. So I called the number provided by Experian in the report to ask. The phone menu provided me options to ask about my XXXX XXXX credit report or XXXX ) XXXX score, so I selected ( XXXX ). XXXX, the female Experian employee I spoke with, repeatedly apologized and told me that they do not know anything about XXXX scores, was not sure why the option was in the menu, and can not help me or direct me to anyone who could. She could also not enter a dispute. I asked her to direct me to the Experian department that could help me. She placed me on hold to speak with a supervisor and then provided me with a phone number : XXXX. She confirmed that this was a department from within Experian who could assist me with my XXXX score dispute ; however, I called and it is a paid credit monitoring service that also is not able to help me. They advised me to find and hire a XXXX party local advisor. I believe that if Experian is reporting my score, it should take responsibility and be able to provide answers or justification on how and why a score can drop suddenly with no recent adverse activity.
RE : Bb & t bank XXXX XXXX XXXX XXXX XXXX, FL XXXX Website : www.bb & t.com Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Prepaid Debit ( such as XXXX XXXX XXXX or others ) Subject : Bank Bb & t bank let XXXX XXXX and XXXX XXXX take money out my account with out my concentXX/XX/2018 XX/XX/18 BB & T Balance Debit {$1400.00} XX/XX/2018 I want my money back XX/XX/18 BB & T Balance Debit {$540.00} XXXX i want my money back
Someone else used my information to open an account. I 've never lived outside Oklahoma and this was an account from Missouri. I 've talked to them before and am told I have to file a police report. I work and have a family I do n't have time to hassle with a false account from years in the past.
I have reached out to Lending Club via certified letter to rectify errors and discrepancies being reported on my personal credit report that Lending Club is reporting. On XX/XX/XXXX, a letter certified letter was sent to Lending Club formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from Lending Club, however as when I pulled my personal credit, on the 31st day from when Lending Club received my certified letter. The company failed to and DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. Lending Club is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified Lending Club of this federal law violation in XX/XX/XXXX. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as  a goodwill gesture to allow Lending Club to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, Lending Club MUST NOW remove the items. I remind you again that this is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I have sent letters which are included as attachments. The actions that Lending Club must do now is remove these negative items on my credit report from all the credit reporting agencies including but not limited to ( XXXX, XXXX, XXXX, and XXXX ). This is the action that the company must do since Lending Club has violated federal law. I remind you that I have yet to receive a response from the company to validate the information they are reporting as they are required to by Federal Law.
QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.
I received a letter from Bank of America notifying me that they canceled my credit card due to the reasons  of 1. an inactive account and 2. seri ous delinquency, and public record or collection filed.     The fact is that I have had this particular credit card as an emergency backup and had no problems for the past 20 years, also I am currently in the process of removing fraudulent accounts from my credit reports due to identity theft of which I became aware only in  XXXX  this year.     I 'm not happy that the bank did not contact me first before canceling my card, and I have no way of contacting them to present my side of story.
I was applying for a loan which was denied because of a previous finance company I had done business with failed to update my payment status accurately with the credit bureau. My loan has been paid off, according to the Consumer Financial Services, since XXXX XXXX, 2014. I filed a dispute with experian and experian responded that they have contacted consumer financial and information is correct. The account should show was closed and Consumer Financial needs to update this to show as closed and paid in full. They show the account is open and in good standing with a balance of {$1300.00} on XXXX loan and open and in good standing with a balance of {$410.00} on a second loan. XXXX loans are paid off completely. This information is completely false.
One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.
The balance on this loan doesn't seem to ever decrease as they continue to increase interest, fees, etc. I want this forgiven due to the debt already paid. I called and spoke to service provider AES who has nothing to do with making any arrangements and called national collegiate and was told they can't do anything. Please review, is there a promissory note, this is unfair that I can't get any answers or assistance. 
Originsl balance, {$29000.00} int 6.75 %
In XX/XX/XXXX, I received a phone call on the store phone number demanding i pay {$140.00} for a company I have never heard of and a bill was due to pay for a outstanding contract. He threatened to take me to court and sue me for this amount. I asked for a copy of the contract and he said he will not send me any contract and kept demanding payment. 

Today XX/XX/XXXX, i received a letter for a debt for my business and i called the phone number on the paper, the lady who answers asks for the case number and they immediately transferred to a XXXX. XXXX immediately demands how do you want to pay? He wanted me to pay a different person and a different address from the letter and the company. I asked for the contract again and he refuses to send anything and threatens to sue me. I told him if you cant send me contract you will not get paid. I hung up because he was very rude and all he wanted was money. 

I do not do any business with XXXX XXXX XXXX, nor ever heard of them. Cross checking on the internet shows a merchant services processor. I do not use this company at all and do not owe them anything. 

I have done my research and have found this " lawyer '' is a fraud and the address is to a XXXX XXXX, it is not even an office! 
Please XXXX the following, you will find it has other people have same experience since XXXX! 

The Leviton Law Firm LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Telephone ( XXXX ) XXXX Fax ( XXXX ) XXXX Toll- Free ( XXXX ) XXXX XXXX XXXX XXXX Supervising Attorney This is a new fraud attempting to scam a retail business.
PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. 

On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. 

When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further.
I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX   and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and  that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call
Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.
Two years ago Chase Bank assumed my Mortgage loan from another Company. Due to " human error '' they cancelled my Insurance and purchased " lender placed '' insurance that costs 5 times what my old policy did, for two years. After purchasing the policies, they looted my escrow to pay for the policy, which raised my Mortgage payments, and I kept paying. After calling my old Insurance company, I realized that the Bank was at fault. I was able to be reimbursed for one policy for XXXX but the Bank refuses to reimburse me for the other policy for XXXX, even though it is sitting in my escrow account ... illegally. My mortgage statement says the amount in escrow is XXXX which is a breach of Section 10 of RESPA. Also, this is the second complaint I have filed. There are half a dozen other violations having to do with Federal Law with my loan, as well. I am seeking representation but it is my belief that Chase Bank should be fined for its illegal behavior. I am working on getting representation to sue them for damages but I would appreciate any cooperation from an Authority because I am a victim here and the law has been broken. Chases behavior is no less than predatory. I am also contacting the Massachusetts Attorney General and anyone else who may be able to hold them accountable. I have attached my escrow statement as proof beyond a doubt.
Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. 
After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.
XXXX XXXX XXXX has recently decided to charge extra fees for making payments during the month, i.e., pay 5 days after the first and get charged {$5.00}, pay anytime prior to the late date, up to the XX/XX/XXXX, {$10.00}. No where in my contract did I ever agree to pay additional charges for paying my mortage prior to the consider late date, the XX/XX/XXXX. I have wriiten to them twice with no response. I would prefer an answer to this practice.
I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my XXXX credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$170.00} Comments
I am a 20 year XXXX XXXX service member. I have a family of XXXX. My wife is XXXX. I had orders to move to Florida. I lost a substantial amount of income and initially asked about a short sale 3years ago and was told my account wasnt eligible. I found out later by my commanding officer that I should be eligible since the orders forced me to move. Citimortgage finally agreed. I have had 3 offers submitted at their asking price. The first offer at the last minute they changed the price and I lost that buyer. They have since raised the price to XXXX which is inconsistent with other short sales I the area. I feel as though they are discriminating against me. Why would a buyer expect to pay full price on a short sale. I am asking they reevaluate the price point also there needs to be some accountability for timelyness. They took so long to approve the offer that I lost 2 more buyers. I think they are trying to force me into foreclosure.
My mortgage loan was purchased by LoanCare XXXX two months ago. Since I have received poor customer service from this company, and now my monthly mortgage rate just went up by $ XXXX/month. I called and the customer service representative could not even start to explain or understand why my monthly payment went up by {$55.00}. I was much happier with XXXX Bank before they sold my loan. Everything I have read online about LoanCare says they are not a good company.
TransUnion took off this bankruptcy and then put it back on to my credit report. This is a violation of the Fair Credit Reporting Act. Im asking for this to vertify that this was me who filed this bankruptcy.
Roundpoint Mortgage Servicing Corporation refuses to pay our property taxes. I have had a mortgage with Roundpoint Mortgage Servicing Coroporation for XXXX months. No taxes have been paid the entire time. I have contacted Roundpoint Mortgage Servicing Coroporation every day by phone and email for 14 days. No resolution of the unpaid taxes. 
I now have late penalties and a pending lien on the property due to Roundpoint Mortgage Servicing Coroporation