WillisBack/dataset-financial-user-claim huggingface dataset:
I closed the mortgage for my XXXX Minnesota house on XXXX XXXX, XXXX with XXXX. On XXXX XXXX, XXXX I was notified that my mortgage servicing company will be changed to RoundPoint Mortgage Serving Corporation ( RPMS ). 
An initial Escrow amount of {$2500.00} was deducted from my loan proceeds. 
Starting with XXXX XXXX, XXXX due I have paid {$580.00} ( PMI {$87.00}, Home Insurance {$73.00}, and Real Estate Tax {$410.00} ) each month for the Escrow account. 
As of XXXX XXXX, XXXX after my XXXX payment my Escrow account has a balance of {$5300.00}. 
Since XXXX XXXX there has been monthly payment of {$87.00} made late every month for the PMI premium. 
XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Home Insurance premium was paid and deducted from my loan proceed on XXXX/XXXX/XXXX. Next Payment of about {$880.00} is due XXXX XXXX. RMPS has it scheduled for XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX {$160.00} was paid by RPMS for the 2nd half XXXX Real Estate taxes. My County latest estimate of XXXX RE taxes is {$3700.00} due {$1800.00} on XXXX XXXX, XXXX and {$1800.00} due on XXXX XXXX, XXXX. RPMS has scheduled payments of {$2500.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
As it is indicated from the start my escrow deduction has been very excessive and the balance as of XXXX/XXXX/XXXX is almost enough for the total XXXX actual payments of {$5600.00} ( PMI {$1000.00}, Home Ins {$880.00}, and RE Tax {$3700.00} ). 
According to your site the Escrow withholding can not be more than 2 month of the actual payment, in my case {$120.00} in XXXX ( {$440.00} form PMI and XXXX for RE Tax / 5 month ) and {$470.00} in XXXX. 
I have made every monthly due on the 1st day of the month ( Due date ). 
I am requesting your help / or directing me to the proper authorities to correct this unjust situation and have the RPMS pay me back the illegal additional escrow balance plus interest and penalty and to adjust the XXXX escrow withholdings immediately. I recently requested a Escrow analysis on RMPS site but have not received any responses from them. When I called their ( XXXX ) office few month ago several times I could not even get an agent that could comprehend my issue and they were confusing the Principal and Interest Payments with the Escrow account. 
Best Regards, XXXX
XXXX XXXX card was taken over by XXXX XXXX. I have had nothing but problems with XXXX XXXX throughout my adult life and a quick search on XXXX shows that many others have the same issue. XXXX XXXX talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXXXXXX XXXX/ XXXX XXXX for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that XXXX XXXX does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if XXXX XXXX makes the correction or not.
On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
I filed a complaint on XXXX/XXXX/15 with the CFPB on Allied Collections in regards to them not honoring a cease and desist to stop calling. The continue to call me, EVEN after I submitted a complaint. They called again today XXXX/XXXX/15 at XXXX. They do not care that they are breaking the law and in violation of the TCPA. I have attached proof that they called me.
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
On XXXX/XXXX/XXXX I tried to sign up with XXXX XXXX and found out transition had a security freeze on my account. Spoke to 3 people who would not tell me why but was told I would get a call this morning at XXXX XXXX, a time I requested. I was not called back. Spoke to XXXX in their US based specialized fraud team this morning. She said that a freeze was placed on me on XXXX/XXXX/XXXX. She said due to the XXXX issue the transunion system was overwhelmed and that when someone requested a freeze their system is freezing everyone with the same name. I asked what they were doing about it. She said they are going thru their system and seeing who should n't have been frozen. I asked how they would know which XXXX XXXX requested it and which did n't. She was unable to answer my question. The first person I spoke to yesterday told me since I had not request ed the freeze it may have been a family member. I find it very troubling that some one other then myself would be able to request a freeze on my account. Their own website says if I have a freeze I am mailed a letter with a freeze pin number. Guess their system mailed it to the wrong XXXX XXXX since I was never notified. I requested compensation for my time and inconvenience but was denied
Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.
My daughter took on her own an emergency loan with the credit company " avant credit '' to face medical expenses ( XXXX with no income ). 
She has not been able to make payments back. The loan has been sold to another company " XXXX XXXX '' phone XXXX XXXX XXXX ( debt collector ). We have tried to call them many times but afound an answering machine each time we class, at any time during business hours. It is impossible to solve the loan. Interests continue to be added during this time!!!!
called chase and complained about a chase card on my transunion. i did not apply for one. XX/XX/2016. still on my credit report
I was very busy with a sick child and went to pay my bill 5 days late today. 

When I got to Toys R us Credit CArd to paymy bill there was a {$25.00} late charge on a {$140.00} balance. Which is about 18 %? What are the rules for this percentage? 

I have not been late before and this appears to me to be excessive. 

XXXX XXXX
Danco staying I owe almost {$5000.00} and also have a repo on my credit which is not suppose to be there
On X/XX/17 I sent XXXX XXXX XXXX XXXX, Transunion LLC and XXXX a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On X/XX/17 I received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XXXX, Transunion and XXXX, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way for XXXX, Transunion or XXXX to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my XXXX, Transunion and XXXX credit file permanently.
Pulled my free annual credit report from Equifax and my old bankruptcy is still listed on the report. I was advised at the time of filing this chapter of bankruptcy would remain on my report for SEVEN years which has no passed. I attempted to file a dispute but was advised Equifax could not verify my identity after it had already been verified to receive the report. Equifax Report Confirmation # XXXX. I think this is ridiculous. 

My bankruptcy is over 7 years old which I was advised was the time limit for the case remaining on my credit report for the Chapter of Bankruptcy I filed in XXXX of XXXX. Reference Number : XXXX on Equifax report date XX/XX/XXXX.
I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.
I added a few authorized users to my 'Chase XXXX XXXX ' credit card. I opened my account on XX/XX/2016. I never had any late payments, late fees or missed payments. I have a 100 % on-time payment history with Chase. I never done anything illegal with my credit card ( e.g., online gambling, etc. ) I never submitted a Reg E claim. I never violated any of the cardholder 's terms and agreements. Also, I do not have any late payments, missed payments, collections, charge-offs or public records on my credit reports. According to XXXX, all XXXX of my FICO Scores are 700+. 

Chase made the egregious decision to unilaterally close my account without any advance notice. Chase stated account closure due to authorized users, however, according to Chase 's website : " Share your Chase card with ones you love '' https : XXXX Chase 's website encourages consumers to add authorized users stating its benefits. I have a relationship with all of my authorized users and none of their names or information are fraudulent. All of my authorized users expressly consented to be added to my Chase credit card. 

This is misleading advertising and a violation pursuant to the federal truth-in-advertising law. 

Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertisers must have evidence to back up their claims ; and Advertisements can not be unfair. 

By Chase closing my credit card account against my wishes, my consumer XXXX score has lowered because I have one less " open '' account on my credit report. Also, by Chase closing my account, it lowers the average length of open accounts on my credit report, further lowering my credit score. This is resulting in an undue financial hardship By my credit score getting lowered because Chase closed my account, I now can not get approved for new accounts and/or will be charged higher interest fees because a lower credit score indicates higher risk of default. I did not violate any laws or any terms or agreements. 

This is unfair and constitutes deceptive practices.
The Equifax hack leaked my SSN, date of birth, and address. It was confirmed on the Equifax website that I was affected by this. That 's just lovely ...
The collection company constantly calls my husband at work. They hunt down people I know on my XXXX page and harass them. They have my number and they have my address. There is no need for them to be calling anyone else.
I received a letter from a company identifying themselves as California Check Cashing requesting payment for a loan that I know nothing about. I called the phone number on the letter to inquire about the letter sent to me, but they insisted that the only way they can help me is if I disclose my social security number to them which I did not do.
Back last Tuesday ( XXXX-2018 ). XXXX XXXX was in contact with a what she thought was a company to help get her credit up to get a vehicle. So she was in contact with s lady and they got access to the mobile app on the account. they deposited a check and told XXXX XXXX to pull cash out and send back and it will help raise your credit. so she did. that's when i found out this happened and changed my accounts immediately and had new ones opened. USAA said they had there fraud department look into the issue and said that there was no fraud that happened. which is obviously wrong. XXXX XXXX filed a police report and that number is as follows : XXXX and was filed with XXXXXXXX XXXXXXXX PD. They told her that that was the second case this week and she filled that on monday. They have now told her to file it with XXXX county also.
Blitter and Gaines are trying to collect on a disputed debt that has reached the statute of limitation and trying to collect on this disputed debt from out of my state.
I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XXXX XXXX XXXX and the funds for the vehicle were cashed in XXXX and the remaining balance was sent and cashed by the company on XXXX XXXX, XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
XXXX  has been non-compliant with removing the unverified account TD BANK USA/XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that TD BANK USA/XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Twice in the past, XXXX has attempted to collect a fraudulent debt stemming from its efforts to extort me during my six-month stint as a customer in the latter half of XX/XX/2016 ( see CFPB Case # s : XXXX ; XXXX. XXXX, XXXX and XXXX ; XXXX, XXXX ). Despite the fact that each collection agency assigned to the debt has forwarded it back to the creditor when I submitted evidence that the debt is fraudulent, XXXX continues its effort to extort me by pursuing the debt, this time through XXXX XXXX.
I received a bill, credit card from XXXX with XXXX Bank in XXXX, paid the full amt. of {$37.00} on XXXX through my bill pay at my bank which is documented. In XXXX I received another bill for the same amt. plus fees and interest. I immediatly called the number on the bill explaining it was already paid and sent a verification from my bank as to when they paid it and when the check cleared. Latest bill this month for {$100.00}. They sent a check to me dated XX/XX/XXXX for {$37.00}. I 've contacted them since with no resolution. I have had another problem with same bank with my Walmart Discover card, and after several calls to them I received a letter dated XX/XX/XXXX stating their apology for any inconvenience this has caused me. I have told them of my time regarding this matter and they will be billed for it. This business needs to pay dearly for it 's negligence.
Diversified Consultants, Inc ( DCI ) tried to collect on already invalidated, declared fraudulent account with XXXX XXXX. I have never owned a XXXX Phone or device in my life. I do not own this account and filed all the appropriate paperwork with XXXX and DCI to dispute the incorrect association of my name with this company. Both comapnies have assured me that I am not associated with this fraudulent account but DCI still filed a negative amrk against my credit today, XXXX/XXXX/XXXX. In violation of the Fair Credit Reporting Act and also in violation of the Fair Debt Collection Practices Act, they began making harassing phone calls in XXXX of this year using an auto-dialer to my cell phone, which I finally had to block. I sent them a " validation letter '' and they never replied. 

I just sent another, certified mail this time. I have now filed a complaint against them with the Georgia Division of Consumer Affairs, the Better Business Bureau of Georgia ( against DCI ), and against XXXX XXXX with the FTC 's Bureau of Consumer Protection. 


This is a lot of hassle they are putting me through for {$2100.00} that I do n't owe. They assured me the account was not associated with me any longer after following all the stops. If they do not remove the mark, my next step is small claims court here in Georgia for : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will seek punitive and statutory damages and an injunction against them illegally re-aging debt in our state.
FINANCIAL CREDIT SERVICES REPORTED COLLECTION CLAIM ON EXPERIAN XX/XX/2016 Prior to reading claim on Experian, I had never heard of CFS, no contacts have ever been made, I read the report on XXXX ( since they have made no attempt to contact me in any way, I consider the first contact to be XX/XX/2016 ) Since they reported the claim XX/XX/2016 & yet to inform me they are in violation of 15 USC 1692 ( a ). This is just an act of harassment done at the bidding of XXXX XXXX XXXX, they have no real intent to attempt collection of this alleged claim. Further they have noted the involvement of an Attorney ( An attempt to excite & intimidate me ) After this complaint is completed I will once again head off to the USPS to mail yet another certified letter asking for Validation of claim ( just as I have with other CA 's ) & a letter to XXXX asking for deletion of alleged claim ) This process will continue until some type of official intervention is made, If XXXX had a claim that was verifiable, they should have no problem providing me with that proof. Am uploading the copy I have of XXXX 's report along with my Validation letter. I am a poor man, I depend on XXXX for income and live well below the poverty line, ( my food budget goes to pay for certified mail ) I have requested low cost legal aid & have been approved, yet, have received no assistance from them. I still doubt that this claim belongs to me & have been offered no prove that it does. I continue to act PRO SE IN MY EFFORT TO FEND OFF THESE ATTACKS ... I AM NOT REFUSING TO PAY A DEBT THAT I LEGALLY OWE BUT, WILL NOT PAY GRIFTERS TRYING TO MAKE AN EASY BUCK. AM UPLOADING DOCUMENTS IN MY SUPPORT.
Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, Experian, and XXXX ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
On XXXX/XXXX/16 my checking account at First National Bank of Pennsylvania had a total of XXXX unauthorized debit card charges totaling {$360.00}. I repeatedly tried contacting the bank until finally getting a response and then cancelling my card with an investigation being launched. Consequently, on XXXX/XXXX/16 my account was charged an additional {$34.00} for an overdraft due to the unauthorized charges. I 've repeatedly left messages for the manager at the XXXX XXXX branch to contact me with no response. This all took place after a total of {$100.00} in unwarranted overdraft charges were levied on my account the week prior ... XXXX and XXXX/XXXX/16. Please request an investigation into these charges on my behalf and a proper resolution. 

Thank you
I paid AIM Corp in XXXX, and disputed its status with the credit reporting bureaus, as it was paid in full and showing on my credit report. AIM Corp reported to the bureau that the information needed to stand as it was showing, and that I would need to contact them ( AIM ) directly. I called them on Wednesday, XXXX XXXX, and was told that even though my account was paid in full and closed, they would not report that to the credit bureau until THEY were ready to. 

My complaint, therefore, is that AIM Corp disclosed false information to the credit bureaus, claiming that I still owed a debt that I did not owe, and admitted as much to me, causing me financial damage, as I am in the process of obtaining financing for a home loan.
I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.
This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.
On   XXXX   XXXX  2017    I sent o ut a request for debt validation to the company AARAGON COLLECTION AGENCY in regards to ac counts  XXXX  and  XXXX  ( letter attached ). I have yet to receive any correspondence in regards to debt validation I disputed this company with all   XXXX    credit reporting agencies  as " no contract unknown debt '' I am in no legal binding contract with AAROGON AGENCY and I requested that the accounts be deleted or debt validation be provided. The have removed one ac count from my  XXXX  report but both accounts should be removed from all   XXXX   credit reporting agencies.
I submitted a dispute to transunion concerning two tax liens that are still reporting that has been paid since ... XX/XX/XXXX for XXXX released XXXX County Superior court XX/XX/XXXX for XXXX released XXXX County Superior court letter received from Transunion XX/XX/XXXX indicates that the investigation was complete & information verified as accurate. My understanding is that it will remain on my credit report for 7 years from the filing date XX/XX/XXXX. I would like to have this dispute looked into as I have worked very hard to rebuilt my credit as well I have been very patient!
XXXXbank - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX These inquiries were removed from my credit report and added back without written notification which is in violation of FCRA Section 611. After speaking to a Transunion representative who admitted to a glitch in their system but claims my report was not effected, they refused to remove ALL inquiries that were unlawfully added back to my report. This caused a dramatic change in my credit score and I am demanding that these inquiries be DELETED from my credit report.
XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate on my credit report ), XXXX XXXX  ( duplicate on my credit report ), XXXX XXXX XXXX ( duplicate on my credit report ) XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX XXXX XXXX ( multiple entries on my credit report ), XXXX XXXX  ( showing multiple entries on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX  ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), and Chapter XXXX  Bankruptcy XXXX