WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, Supreme Lending began charging us {$2500.00} instead of {$1700.00}. They gave absolutely no explanation for the increase in charges. They had actually OVERcharged us the year before, and so we were suspcious, since they had made a mistake in XX/XX/2017 and had had to repay us. We followed up with them via phone multiple times and still, received no explanation other than that this was due " property tax increase. '' We called XXXX XXXX County and found out that no, our property taxes had not increased the amount they claimed. We went back to Supreme Lending and received a spreadsheet with different numbers but no explanation of what the numbers were. Multiple customer service agents at the corporate headquarters could provide us absolutely no description of our charges.

We finally went back to our local lender, who referred us to the regional manager. She was able to explain the charges. Basically, the corporate office had been undercharging us due to not understanding California tax law. We asked that we pay our own property taxes, not have our lender pay them, due to the incredibly poor customer service. However, they want to charge us a {$700.00} fee to NOT pay our taxes. We wrote an email two weeks ago asking the fee be waived and did not receive a response from the company.

We asked Supreme Lending when our monthly fee would go back down to {$1700.00}. Multiple agents on the phone have said it will go back down starting XX/XX/XXXX. As of now, we are still being charged the higher amount and the company is refusing to tell us what our monthly payment will be.
Selene Finance will not help me figure out why there are so many different amounts used for figuring out my payoff on my home and they are foreclosing even when I told them I was wanting to keep my home. The attached documents they sent me are for payoffs that they did on the same day and the one for XXXX XXXX payoff is higher than the one for XXXX XXXX because of their " XXXX Foreclosure Fees '' they charged. I wanted to know if that was the amount they were charging each month and XXXX at Selene told me he did n't know how the payment department figured out the payoffs for this and they did n't have a phone number or name of the person I should speak with for current payoff information. If I would have been able to get this information today, I would have had the payoff amount. My Aunt was in town and she was going to pay for my home and I was going to make her payments. Because of this conflicting information, and the lack of information I received when I called Selene, she decided against it because she said the amounts did not make sense and until I had that cleared up, she would not loan me the money. My house loan was for {$140000.00} in XXXX and I paid on it for 10 years at which time I needed help with payments and never was able to get it from XXXX XXXX. Now the amount owed is somewhere between $ XXXX - $ XXXX according to Selene and they do n't know where they got the amounts from. I was discharged from the loan in a chapter XXXX bankruptcy and now they are taking my home!
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was required by the bankruptcy agreement to resume mortgage payments to Ditech Financial on XX/XX/XXXX. I called Ditech on XX/XX/XXXX to make a phone payment. I was told that they would not accept a payment because their system did not have any information about my account. I explained that I was required to make a payment XX/XX/XXXX. I was told by the Ditech representative to wait for a letter with payment instructions and that I could not make a payment at that time. When no letter arrived by XX/XX/XXXX, I  called Ditech again to make two payments - one for XX/XX/XXXX and one for XX/XX/XXXX. They again told me that they would not accept payments because my account was not set up to do so. I explained that I was required to make payments starting in XX/XX/XXXX, I was told that they had no information about the bankruptcy requirements and that I should wait for a letter with instructions and that they would not accept payment. When XX/XX/XXXX came and still no letter and fearing that I would be in violation of the bankruptcy agreement, I went on-line and submitted a payment. I was not able to access my on-line account prior to that. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX  attorney ( which I 'm assuming is related to Ditech ) letting me know that my mortgage is being foreclosed because I did not make the XX/XX/XXXX and XX/XX/XXXX payments. I contacted Ditech again on XX/XX/XXXX. I asked why I was told that Ditech would not accept my payments in XX/XX/XXXX and XX/XX/XXXX and they could not provide an answer, however, they did confirm that I was indeed told that I could not make payments in XX/XX/XXXX and XX/XX/XXXX. The Ditech representative advised my to consult with an attorney before making an additional payment - again, telling me not to make payments. The representative would not confirm that my XX/XX/XXXX payment would be applied to my account but did confirm that Ditech received it. Ditech purposely lied to me and refused to accept my payments in order to foreclose on my home. This company should be investigated. I need to hire any attorney to resolve the issue.
There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000, date of last payment is XXXX XXXX, 2000. There has not been any activity on this account since 2000 which far exceeds the 7 year reporting period. I have disputed this account with both credit reporting agencies and both come back with no explanation except that it a valid account.
My mortgage with Seneca Mortgage was sold to XXXX, Seneca continued to withdraw money from my checking account although I had no account open with them. I need Seneca to send my money back since there is no debt to pally the money.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have to deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
I can give you more detail at a later date if needed but the condensed version is that I app applied and was accepted for a loan with Bank of America and through the process the amount that would be payable per month changed 4 times till literally the night before closing it was higher than I knew I could afford. I was not given that amount till I called my loan officer the night before because I did n't even know how much I was supposed to bring to the closing. I was n't given my final disclosure till 2 days AFTER the closing date!!!! I was NOT going to go to a closing without having the final disclosure and therefor the closing did n't happen which left me " homeless '' as I had given notice for where I was living and HAD to move! I have every piece of documentation and email of charges I incurred that has never been returned and proof of the increases and that the final disclosure was sent AFTER the closing date.
I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.
In XXXX we were having problems paying the mortgage due to my daughters XXXX illness XXXX XXXX XXXX ). We fell behind in the house payments and in XXXX XXXX we worked with the mortgage company we modified the mortgage to add the XXXX late payments to the end of the loan. Sadly these were phone conversations instead of letter from the mortgage company. We do n't recall signing the documents and would not have signed them had we understood the bank lied and restarted the mortgage instead of the agreed phone conversations to add the payments to the end of the load. In XXXX XXXX we again fell 3 months behind in the mortgage due to my wife 's XXXX. The mortgage was turned over to new mortgage company. In XXXX XXXX the new/current lender stated that the XXXX modification restarted the mortgage instead of adding the late payments to the end of the mortgage. So the problem instead of paying off the mortgage at end of XXXX, we owe {$36000.00} and another 5 years on the mortgage.
I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.
I have another case on file that was submitted and its the same issue. I asked my credit card company to explain how my interest fee was calculated for the month. I used my daily periodic rate and my average daily balance, and I could not find out how they come up with their amounts. I called customer service and they didnt know either. I followed the explanation on my statement on page two, still couldnt figure it out. I would just like to know how they got their figures. I called XX/XX/2018
I am periodically receiving harassing telephone calls from MoneyTree. I do not believe that I owe them what they say I owe. According to the FCRA they must verify their information and they have not done so. I am in the process of disputing this information via XXXX, XXXX, and XXXX. I am not interested in discussing any information with them via the telephone. If they are interested in talking with me they must respond to me in writing ONLY!
I have advised XXXX not to contact my Place of Work, several times I continue to get phone calls from then our calls are monitored. I also have spoken with one of tem last time they called, and advised i would call later to make arrangments the woman was so rude she advised they could not do that and good luck to me, I told that person not to call my place of work. Today same company called my place of work again. XXXX XXXX is the Man who called, they call from XXXX phone numbers to disguise who they really are.
On XX/XX/XXXX Spouse had a car accident XXXX XXXX XXXX which was totaled by XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX. USAA paid XXXX to XXXX XXXX XXXX XXXX, XXXX FL and did not honor the Total Loss Letter sent to the Customer. Instead USAA sent Customer a late notice for Auto Loan Payments on the XXXX XXXX XXXX which was totaled by USAA. I've contacted USAA several times regarding this matter because I informed the Repair Shop on XX/XX/XXXX to stop all Repairs due to the Total Loss Letter received by USAA dated XX/XX/XXXX and XX/XX/XXXX. USAA let the Repair Shop continue with Repairs even after the Customer told them that he would not accept the Vehicle due to the fact the Vehicle is only worth $ XXXX and Repairs totaled $ XXXX resulting in 95 % repaired. This is XXXX XXXX XXXX XXXX XXXX TX that has decided to send late notices and collection notices regarding an Auto Loan for a Vehicle that was Totaled by USAA on XX/XX/XXXX. USAA stated to the Florida Insurance Commission that the XXXX XXXX XXXX XXXX XXXX would not give up the Vehicle. Note : This was not the Customers Shop of Choice and  USAA decided to repair Vehicle at the Shop and not the Customer. USAA is sending negative reports to the Credit Agencies regarding Customer not paying for a Loan on a Totaled Vehicle. On XX/XX/XXXX. XXXX the Bank Officer and Insurance Adjuster informed the Customer that the Auto Loan would be paid off due to Vehicle being totaled. This never happened and USAA kept of sending funds for Repairs even though they asked the Customer to send back Title and Keys to Vehicle. This entire matter is still going on with the Shop stating as of XX/XX/XXXX that a Final Payment is still owed even though the Vehicle was totaled on XX/XX/XXXX. USAA should correct any information they've sent to Credit Agencies because per their letters they were supposed to recover Vehicle and pay out the New Car Replacement Policy and the GAP coverage which was on the Bank Loan! I've sent complaints regarding both XXXX XXXX and XXXX XXXX XXXX XXXX with the Florida Insurance Commission and Department of Agriculture. Note : I was in NY attending my Little Brothers Funeral when the accident happened on XX/XX/XXXX and did not return to Florida until XX/XX/XXXX. I signed the Repair order XX/XX/XXXX which was immediately revoked by letter from USAA on XX/XX/XXXX stating the Vehicle was a total loss. Now I've lost use of Vehicle for 5 months, new car replacement coverage and GAP coverage. Also getting late and overdue notices on my Credit Reports which should not be happening because the Vehicle was totaled and the Loan was supposed to pay off by USAA.
I have asked XXXX XXXX since XX/XX/2015 to provide written proof of the alleged debt, and I to this day have never received any correspondence.
THERE WAS NOT AN OPTION THAT BEST DESCRIBED MY ISSUE ABOVE. SEE BELOW FOR COMPLETE UNDERSTANDING. 

I AM FILING A COMPLAINT AGAINST THE COMPANY MACY 'S DUE TO UNFAIR REPORTING TO THE CREDIT BUREAUS. I ACKNOWLEDGE THAT I OPENED AN ACCOUNT WITH THIS COMPANY AND FAILED TO MAKE PAYMENTS. THE LAST ACTIVITY REPORTED WAS IN XX/XX/XXXX. THE ACCOUNT WAS CHARGED OFF AT THIS TIME. ACCOUNT WAS OPENED IN XX/XX/XXXX. I RECENTLY REACHED OUT TO THE COMPANY TO OFFER A SETTLEMENT/PAYMENT AND I WAS TOLD THE ACCOUNT WAS TOO OLD TO ACCEPT ANY PAYMENTS ON IT. THE COMPANY HAS NOW STARTED TO REPORT TO XXXX LATE PAYMENTS MONTHLY AFTER THE LAST REPORTED LATE PAYMENT WAS IN XX/XX/XXXX. I DO NOT UNDERSTAND WHY THIS COMPANY IS ABLE TO REPORT LATE PAYMENTS AND I CAN NOT RESOLVE THE ACCOUNT. THIS IS GREATLY AFFECTING MY CREDIT SCORE.
I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times
On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( DSHS-DCS ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( DSHS-SCS ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( DSHS-SCS ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX account # XXXX, the XXXX Account # XXXX, and the XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the XXXX ( DSHS-SCS ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from DSHS-SCS ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.
We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.
I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a " XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks!
False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.
TODAYS DATE:XX/XX/XXXX XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX    XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX