WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX I requested a modification of my mortgage, On XXXX/XXXX/XXXX I was sent a package with a payment plan for 3 months. On XXXX/XXXX/XXXX I was informed that I had successfully completed the trial period and was sent details of my new payment plan showing me a principal and interest of {$1100.00} and an escrow amount of {$500.00} for a total of $ {$1600.00} with an interest rate of 3.75 %. On XXXX/XXXX/XXXX I received a statement with a payment of {$1700.00} showing an interest rate of 4.375 % and principal of {$750.00} and interest of {$910.00} and escrow of {$65.00}. Then on XXXX/XXXX/XXXX I received a principal payment of {$760.00} interest of {$910.00} and escrow of {$65.00} still with a 4.375 % interest rate. Now I am receiving a payment request for {$2200.00}. 
I do not understand why the change in amounts and interest rate Initially I had a mortgage for approx. : {$2900.00} for 15 years, I was unable to make the payments on time after my divorce and ask for the modification but it appears that now over 30 years they want me to pay {$2200.00} monthly and still have the subordinate mortgage of {$77000.00} to pay. I have tried many times to have the remove the escrow and allow me to pay it my self since I was never late or missed any before the modification, but it appears they do not care and the only response I got from Ocwen was that " if I can not pay the mortgage then sell the house ''.
Here is the letter i sent it to the bank through a lawyer : VIA FACSIMILE AND U.S. MAIL Fax No. : XXXX Capital One Attn. : Card Dispute Team XXXX. XXXX XXXX XXXX. XXXX, MN XXXX Re : XXXX XXXX Transactions Reversal Demand Bank Account No. : XXXX Our File No. : XXXX To Whom It May Concern : Please be advised that we have consulted with XXXX XXXX XXXX regarding his claim on the above referenced account. 

XXXX XXXX has informed us that he received a summary denial from your representative on the disputed transactions listed below. Those transactions were not XXXX XXXX 's as his card was compromised. XXXX XXXX has authorized this law firm to demand that your entity follow the appropriate MasterCard and FDIC guidelines in investigating these disputed transactions. More importantly, XXXX XXXX demands for immediate retroactive credits for these charges. 

XX/XX/2016 - {$37.00} - XXXX XX/XX/2016 - {$190.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$79.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XX/XX/2016 - {$43.00} - XXXX XX/XX/2016 - {$260.00} - XXXX XXXX XXXX XX/XX/2016 - {$100.00} - XXXX XXXX XXXX Unless you dispute the validity of this claim or any portion thereof within ten ( 10 ) days after receiving this notice, the claim will be assumed valid. 
Please be further advised that if your obligation remains in default, without a dispute, further legal action may be taken against you that could result in a judgment, which may include attorney fees and other litigation costs. 

Please notify the undersigned in writing if you so dispute this claim. Otherwise, demand is hereby made that you immediately issue the credit as detailed above. 

Your anticipated cooperation is appreciated. 

Very truly yours, XXXX XXXX XXXX By XXXX XXXX XXXX
I have a Credit card still being reported to my XXXX, according to Ohio law this should be removed from my XXXX after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2004, I am requesting this be removed from my credit report.
Owing a final balance of {$600.00} as per my recorded telephone conversation in which the final balance was disclosed I advised XXXX XXXX XXXX loan company that I would be requesting a payment reduction or payment arrangement because due to the loss of my home I would be experiencing financial hardship for a short time and on discussing this, the company proceeded to initiate an illegal repossession of the vehicle and on top of it are claim XXXX more than what was owed as I only had ( XXXX ) payments to make before the vehicle was paid off in full. 

I inspected a copy of my credit reports and find that XXXX XXXX are reporting inaccurate balance owed as I only had ( XXXX XXXX payments to complete the purchase which does not add up to the balance they are reporting. 

I request full debt validation from this company included conversation logs as per literate the companies telephone procedure for incoming and outgoing calls. I find XXXX XXXX XXXX business practice to be dishonorable at the end of their contracts and they have integrity for this reason along with counsel i will do my own investigations into the balance owed as a result to their illegal repossession of my vehicle.
To Whom It May Concern : I sent a certified debt validation letter to XXXX XXXX XXXX that was delivered on XXXX/XXXX/XXXX. This letter advised that I recently pulled my credit and noticed a collection from their company. By law, they 're required to validate the debt, not verify. I received a mailing from them dated XXXX/XXXX/XXXX and it was a front/back page copy of a bill from XXXX. This type of information is n't sufficient for debt validation. Especially in the event of identity theft. 

I then sent a certified method of validation to Equifax and the letter requested that they send me proof of all records in their files for the above referenced account establishing the method used to validate debt. I am required this information by law. 

Equifax did not send me such validation of debt. Instead, they sent me an updated credit report, advising the debt has been " verified '', not validated. 

I 've sent the same " method of validation '' letter to both XXXX and XXXX and they 've both, since, deleted the above referenced account from my report. 

I 've attached copies of the letter sent to the collection agency/Equifax, a copy of the documents received by the collection agency and records from XXXX/XXXX showing this same file was deleted by them. 

Thank you
Hi, I was a telephone subscriber through XXXX XXXX with the account number ( Account : XXXX ). On XX/XX/XXXX, I cancelled my account ( single phone only with one number ) with XXXX XXXX after ensuring that all balances were fully paid and that any remaining equipment as per the terms of my existing lease was returned. I ported my number to XXXX XXXX and have used that service to this day.
In XX/XX/XXXX, I received a letter from XXXX XXXX letting me know that I owe them {$240.00}. Upon contacting customer service I was informed someone reactivated my account on XXXX XXXX and obtained a phone.I did not authorize this and had no knowledge of this action as I had already ported onto another service and no longer even had a XXXX XXXX online account to even confirm these findings. To stop any further transactions as a result of financial identity theft I immediately asked for the account to be re-closed and asked XXXX XXXX to start a fraud investigation. Upon their request, I also filed a report with XXXX Police documenting the theft of my financial identity ( REPORT NUMBER : XXXX ) XXXX XXXX then claimed that they believe someone who was previously on my account before its closing may be responsible and demanded that I produce a police report naming them to let this fraud be not deemed my responsibility. I contacted XXXX police and they informed me that since for me to file a specific complaint such as demanded by XXXX XXXX, I would need to know where the fraud happened and when. Despite numerous calls to XXXX XXXX to resolve this matter they have refused to give me this information and then subsequently passed the account which has ballooned to over {$800.00} now onto a collections agency called Receivables Performance Management.
I contacted them too to give them the information in XX/XX/XXXX I have detailed above, but was recently surprised to see that they have reported negative information to two different credit bureaus - XXXX and XXXX at this time and a loss of XXXX points on my XXXX XXXX. I am opening disputes with both of them to address this issue.
I am requesting that this debt be cleared from my name as I have not authorized it in any fashion and have been a victim of financial identity theft. I am happy to work with XXXX XXXX or the collection agency to file additional reports if needed but request a path to ensuring my financial record is not damaged due to no fault of mine. Thank you.
I have disputed information on my credit report with TransUnion twice under file number : XXXX, regarding an Adverse Account item reported to my credit report : XXXX - XXXX XXXX XXXX XXXX # XXXX This item shows me as owing {$540.00}, delinquency of 30 days plus, and that the Account type is open. 

I have provided documentation to TransUnion, which shows a check was deposited for {$540.00} by XXXX XXXX XXXX XXXX to their account number : XXXX. The check was paid by my credit union via my checking account. Check number : XXXX, dated X/XX/2017. 

Additionally, I disputed the fact that I was late in paying this debt. I provided documentation to TransUnion that showed a Security Deposit Statement was sent to an incorrect forwarding address. That letter was never received by me via regular mail. 

Instead, I only received this letter via email on X/XX/2017, from the apartment manager, After weeks of trying to get information regarding the status of my deposit from XXXX XXXX, which is XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX XXXX. 

I provided TransUnion documentation of emails which proved the date I received the Security Deposit Statement via email on X/XX/2017 from XXXX, the Apartment Manager of XXXX XXXX. 


Below you will see copies of these documents.
During the time was going thru XXXX in 2007my credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to XXXX party agency who keep renewing the age of the debt
AES did not disclose the calls were not being recorded and I have recorded calls as proof. They are XXXX and I do not wish to deal with them. They are collecting for NCT but NCT sold my loans into investment which means they do not own my loan anymore, it is illegal to collect on this because they do n't own it. AES claims they do but I never received proof. NCT needs to remove all negative marks and marked as a paid in full because they no longer own it. NCT is famous for suing people for no reason it is illegal. I never signed any agreements with NCT, NCT is a debt buyer but AES claims they are my lender, they are not and AES knows this. AES is committing fraud against me by collecting on a loan that NCT is not an owner of.
A company has been calling me, my extended family ( to include in-law s ), and EVEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator   XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX
I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.
Velo law has hit my credit several times for the same debt. They change the last four of the account number to hit my credit numerous times even though its the same debt. When I dispute the debt and it gets removed the change the name of the debt collection agency and put it back on. They have single handedly ruin my credit and made it so I could not buy a house! The original debt from XXXX XXXX XXXX is over 7 years old and the collection debt is more then 5 years old. I have contacted them several times and pet them know the debt is too old for them to collect on!!
In XX/XX/2018 I earned a {$25.00} XXXX gift card. Ive been calling and submitted emails even talked to reps. Its been over five months and still not  received.
This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
I went to XXXX on XX/XX/XXXX with my significant other, while staying there on XX/XX/XXXX I got a fraud alert from my chase credit card to which I responded and then contacted as advised via text. I spoke to an agent and quickly got the issue resolved ( which I appreciate greatly for there protection ). Two business days later I received my new card and continued my usual routine. On Wed XX/XX/XXXX my credit card gets declined w/o warning, I ask the clerk to try my card once again and it gets declined a second time. To my surprise I do not get a fraud alert or anything via text so I call. I speak to someone on the phone at about XXXX XX/XX/XXXX and he tells me that they decided to close my account but he had no information. I decide to call later that afternoon around XXXX and I get told that they are closing my accounts because " our affiliate is ending its banking relationship with you '' and nothing else that there is nothing that I can do and to wait for a letter. Today XX/XX/XXXX I get a letter dated XX/XX/XXXX stating nothing more than " our affiliate is ending its banking relationship with you '', so I call and speak to n account supervisor, she states that chase is closing my accounts because chase, chase bank, XXXX XXXX, or one of its affiliates has ended an account with me so that they are doing the same. I told the account manager that the only other account I've ever had with chase was the credit card that was closed a week earlier due to fraud, she stated that there is nothing more in the file and that they were ending our relationship ( end of conversation ). As a client for 17-18 months with a credit line of around 40,000 I am appalled to not get any reasonable explanation, I have excellent credit, always pay on time, and had just made a few payments earlier this month. I asked many a time if it might be a clerical error due to my other account being closed and they say they will not do anything in regards to my accounts. For a business with that high of a status and reputation I think it is negligent to brush off a loyal client off like that without trying to resolve the issue ( I even tried to get my mortgage with them but had offered me too high of an interest rate ).
I am disputing the way XXXX  and Trans Union are reporting this account ( XXXX XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.
Due to the breach with XXXX getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX XXXX, Transunion and XXXX XXXX I was in shock & in disbelief that Transunion CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of XXXX 's stupidity is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with Tranunion & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.
After a house fire that i had in XX/XX/XXXX, I had home owners insurance with XXXX which I paid and they did not found this out when I had a fire. They reinstated my policy then charged me to send my money to me. They kept XXXX dollars. While I was fighting for my insurance in XX/XX/XXXX XXXX had a freak storm and with out my sup pump to empty my flooding house it was finished and was commend. XX/XX/XXXX XXXX filed for foreclosure proceedings. I had in fact paid of my loan. In XX/XX/XXXX in the court of XXXX my loan was in fact paid in full and on XX/XX/XXXX it was drooped and they had to pay court cost and everything else cause they lied. So instead of reporting on my credit report as paid in full they said it was a charge off.I want this corrected. It is a shame how the treat veterans and everyone else.
my property was in active shortsale process in underwritten with and a counter offer from the bank green tree that had removed the sale date for XX/XX/XXXX because the active shortsale negotiation, in the process Green tree sold the loan to dietech who put back the sale date and foreclosured the property it went back to fannie mae on XXXX XXXX, 2015 because Green tree failed to transfer the shortsale package to Dietech, and Dietech did not have any knowledge that the property was in shortsale and proceeded with the foreclosure, at this point I want my property back I do have all the proof documentation to sustain my claim.
Homebridge financial Corp. is my mortgage and escrow company. They failed to pay my 2015 taxes on time. This resulted in a derogatory public record on my credit report. I paid Homebridge Financial on time for the entire year.
I have repeatedly submitted evidence to Equifax demonstrating an account " XXXX XXXX '' they are reporting as " part of bankruptcy '', was NOT included in my bankruptcy. I have included a copy of my bankruptcy schedule ( attached ), to show it is not included. ( BOTH XXXX and XXXX removed the bankruptcy information listed on this account, immediately, upon first request. ) I have now disputed at least 3 times with Equifax and they refuse to remove this incorrect information. Equifax has the physical evidence that they are incorrectly reporting this information, and yet they willfully and deliberately continue to. They have received evidence via certified mail as well as uploaded online. Attached is a copy of my most recent letter to Equifax , and all supporting documents provided to them, ( the same as was provided to each of the other XXXX credit reporting agencies. ) This deliberately and incorrectly reported information is drastically affecting my life and is tantamount to fraud. I respectfully submit my complaint against Equifax in hope for assistance in fixing their harm. Thank you.
I tried for two months to ask Equifax to remove inquiries on my credit file that I do not recognize and to correct my name. I have sent them my drivers license and my SS card and nothing. Sthe hack my credit has been giving me issues. As a person who is having issues with information on my credit file its frustrating to see that the agency wont correct this. As a result, I will be canceling my Equifax premium account.
Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.
This how my ordeal with Bank of America Started : Bank of America issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by bank of america. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating " this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, " no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.
This is the last of dozens of emails I sent to Coinbase about my issue. 

Hello XXXX, Thanks for the response. My account has not been secure at all on coinbase. I have been on customer support longer than coinbase itself because I have had grave concerns about its security. Last month I made a {$2000.00} bitcoin purchase. I was double charged for that purchase. Then I was charged another 2 payments for {$2000.00} each so Coinbase illicitly charged me {$6000.00}. I called customer support and asked that the those charged be wiped out. I was given a {$4000.00} credit reversal and now Coinbase and I are square. However, I was given another {$4000.00} of refund from Coinbase because from what I read on your support site, this was a widespread issue. Now I am up {$2000.00}. There is an attachment of my bank statement that proves that I was paid 4 payments {$2000.00} and they are differently labeled to suggest one batch of 2 payments was a result of my phone call and the other the natural repayment of what I assume is a group of customers who had the same issue. Now, I had already told my bank not to permit Coinbase from withdrawing money from my account, which I was absolutely in the right to do as I was improperly charged three times, so instead of Coinbase just contacting me and asking me to deposit in the account, I lost half a bitcoin, which, as my asset, has cost me far more than {$2000.00}. While monetarily we are even now, the issue here, XXXX, is that due to this whole issue with Coinbase making a slew of errors, I have lose my bitcoin. What I have been fervently pushing, is permission to repurchase that exact amount of bitcoin for {$2000.00} cash, effectively renege that last transaction, since this was all a series of errors from Coinbase. I should be asking for additional compensation due to the slew of issues of time and absolute pain in the XXXX this was, but all I want to do is restore the status quo. 

Additionally, you may seen from my bank account that I work for XXXX, a leader in cyber security, so you can believe that there is nothing I take more seriously that the security of my money and my cyber-assets like bitcoin. My assets which have been violated 4 times now, 3 times with improper {$2000.00} chargers, as well as the 4th time in taking my asset which is far more valuable as an investment. 

I look forward to hearing from you to get this resolved- this has taken weeks to sort out and I hope that it can conclude soon. 

Thanks, XXXX