WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX Reference Ditech # XXXX Old account # XXXX A notification was sent to me on around XX/XX/XXXX. explaining that my escrow account was under funded by {$460.00} and that the shortage would be collected over twelve months if I did not make payment prior to the 30 days of the time the notice was sent out. I made the payment within the timeline requested, But Ditch continues to charge and collect that fee divided by twelve months of {$38.00} I disagree with calculations about my escrow account being underfunded. Because I was issued a check last year because it was over funded. 
On or around XXXX XXXX I wrote requesting an explanation of why my mortgage payment was increased. I have a fix rate mortgage and the cost of my homeowners insurance and real estate tax bill have not increased. 
Ditech sent a follow up letter on XXXX XXXX. XXXX stating that my inquiries are being reviewed and a written response would follow in 30days. A second letter was sent on XXXX XXXX XXXX stating that there is an ongoing investigation in an effort to resolve the issue of overpayment of mortgage fees and in accurate escrow calculations. 
A third letter was sent on XXXX XXXX, XXXX explaining my right to cancel PMI. This letter and information does not apply to me. I met the requirements to have my PMI canceled in XXXX at which time it was cancelled. So my mortgage does not include a ( PMI ). I am not sure if this letter is an effort to justify why my mortgage payment was increased. 
Addditonaaly, My billing statement for the month of XXXX XXXX included a fee of {$4.00} that is unexplained. 
I have made numerous attempts to inquire about the over charges that have continued since XXXX XXXX with customer service via phone at Ditech. Each time they refuse to give me any information about my account. I was informed that the account has a notation that customer service is not to talk to me. 
I make a payment of {$800.00} dollars monthly for my mortgage payment that was {$700.00} prior to Ditech adding additional fees to my mortgage making it now be XXXX. The additional funds from the {$800.00} was to be applied to my principle {$97.00}. The overage in fees changes and interferes with pay down of my mortgage because the correct amount is not being credited to the principle. 
Thirty days has passed and Ditech not offered any resolution to my complaint. And again I can not get anyone to discuss the matter over the phone. 
I want all the extra monies that was not appropriated correctly to the principle of mortgage to be credited to accurately. I want the {$4.00} charge that is not explained to be credited to m principle. I want the extra fees that are being collected for escrow account to be excluded from my mortgage payment.
I have been trying to use. The XXXX app that protects against overdraft fees, I received a notification that there was an error connecting to my back so I attempted to re log in and a message popped up on the screen saying my bank is blocking me from loging into my account. This happens everytime i try to connect my bank with anything even my other bank account XXXX. The bank I'm having this compilation with is capital one360 checking account
Have been attempting to work with Ditech to obtain a modification to my mortgage for 8 months, finally got the trial modification after getting XXXX XXXX involved. They have however put derogatory comments on my credit reports ( foreclosure initiated ) and I want that removed and changed to modification trial initiated
This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.
Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the Commonwealth of Puerto Rico as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # 6451 LAW # 179 of XX/XX/XXXX and Law # 170 dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXX XXXX which has no license as a debt collector to the residents of the Commonwealth of Puerto Rico THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT
A debt collection agency had applied a fraudulent debt that does not belong to me. This debt belongs to a person I have never heard of, from a town I have never lived, and in reference to a hospital I have never visited. I only first learned of this debt, when I applied for a student loan and was denied due to having " a bill in collections ''. Since I am certain I have never had a delinquent bill in collections, I checked my credit report which listed this fraudulent debt, along with the identity of another person who may have used my social security number. The debt collection agency had never contacted me to verify this debt belongs to me, or to let me know that they were trying to collect payments on this fictitious debt. This has caused me immense harm as now I can not receive a student loan so that I may finish my last semester of college. When I called the debt collection agency they had told me to call the credit bureaus to get the full account number ( of the fraudulent debt ) then call them back. I received the account number, called back and was told " could not speak to me '' because I was not the name on the account. They realized at this point that the information they have is fraudulent, and was applied to social security number incorrectly. I asked to speak to a supervisor, at this point I was hung up on. I called back and asked immediately for a supervisor, the supervisor told me I should try calling the hospital where the debt originated and then ended the call. I then called back the next day, explaining how this debt is fraudulent, was never verified, and that i expected the debt to be removed immediately, the man told me his supervisor would call me back that afternoon and never did. The name on my credit report ( from XXXX & XXXX ) lists the name and address of the person who apparently stole my identity, their address, their employer, and phone numbers. The XXXX report also has my name incorrectly listed as having a middle initial of 'XXXX ', I XXXX name.
Experian has been provided with prima facie proof that fraud is involved with respect to XXXX XXXX XXXX Account number " XXXX ... '' ( Truncated on Credit Report ) yet elects to be willfully complicit in said fraud with XXXX XXXX XXXX. 

Experian has a fiduciary interest in asserting that said account number was 30 days late when it knows of said fraud and is thereby engaged in racketeering. After being provided with proof, Experian has engaged in willful obstruction by not permitting us to dispute the account online citing that our disputes are frivolous. 

Our disputes can not lawfully be deemed frivolous since Experian is aware of the Fraud. 

Populating our accounts with " Fraud Alerts '' ( as Experian has done in it 's efforts to willfuly obstruct us ) does not exonerate it 's responsibility under the FCRA. Populating our accounts with Fraud Alerts causes injury to Experian 's claim that no Fraud is involved. 

This is Experian 's Notice of Intent, binding upon it in with respect to administrative body or court of law that it has now violated the Fair Credit Reporting Act on several counts. 

I kid Experian not, we will wind up in court REAL FAST if the derogatory information for this account is not removed from our credit reports soon.
We started our lease with Toyota Financial Services in XX/XX/XXXX on a XX/XX/XXXX XXXX XXXX. Initially, their promotion was that Toyota will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted Toyota to make sure they would make the first payment. Toyota claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with Toyota Financial Services XXXX they have documented comments XXXX and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days XXXX payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming Toyota made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with Toyota as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with Toyota? Thank you.
I went to XXXX with my family on XX/XX/2017. A male staff member at the resort was caught by me and my XXXX year old daughter, XXXX, and he was blushing. This caused my daughter to be afraid and not want to go to the food court again. Later in the trip while I was away from her and my XXXX year old, while they were in the arcade, another man was caught standing behind her in what was an attempt to speak to her. I interjected, and the man said he " had no children or grandchildren, but it was too late to start now ''. I asked XXXX to call security and they responded that it was probably nothing and they would call security at the end of the shift and document my concerns. When I spoke to the manager at XXXX, they said that this was nothing they would apologize for. I then put in a dispute with Citibank, since the vacation was charged on my double cash card. They then came back to me and stated they wanted a letter from XXXX stating I was owed a credit. I do n't understand this.. I am disputing the bill because I did not get vacation. XXXX 's own web site shows that there are contractual rules for non-disruptive and non alarming guest behavior --. But then Citi turns around and says they want something from XXXX -- whom I clearly identified as a party that is non-apologetic -- that they want a letter from them stating I am owed a credit. This of course, will not happen because after being presented the final bill, XXXX called me to say that I owed an additional {$300.00} for purchases they missed when they gave me the final bill. And now that the dispute of {$670.00} or the {$3900.00} I charged is not going through -- and Citi wo n't assist me with it -- I am now over my credit limit. Why have a dispute group if they are just referring me back to the merchant?
Experian will not actually investigate the validity of an account that I have disputed from XXXX XXXX XXXX
Since XX/XX/XXXX Chase has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! XXXX has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have  filed a FCRA Federal Case against Chase and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX Chase left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX Chase has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT CHASE TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.
i called on X/XX/2017 @ XXXX and i called several times to speak to who ever was handleing my file, the representive transfer me to a male who answere the phone, my phone was turned all the way up so i told him i could not here him at all, he said you are the frist to tell me this, so then i think he turned it up because it became clear but he got smart after doing so, and told me that i had an attitude, and i need to call back and hung up in my face, i called then to take care of a debt that i owe a medical bill. i am a elderly woman trying to take of my debt and he was so rude. so i called back the same person reckonize my voice right away she transfered the called to voice mail, twice i tried so that is why i am writing this complaint.
On XX/XX/XXXX an account for XXXX was open through CommonWealth Financi ( cwf ), on XX/XX/XXXX CWF added the debt to my credit collection, which showed me on XX/XX/XXXX through XXXX XXXX. I never got a paper stating I owed a debt for CWF, nor have I received anything from CWF showing I had an open account since XX/XX/XXXX. Ive tried to call but office hours were not active durning that time.
I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened:XX/XX/XXXX
I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Equifax continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. Equifax is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX and XXXX. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Equifax the dates XX/XX/XXXX and XX/XX/XXXX of are listed at XXXX and 180 days late but XXXX has them listed as 120 days late. on account number XXXX Equifax has dates XX/XX/XXXX and XX/XX/XXXX listed XXXX and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount XXXX of XXXX and the other XXXX they are both charged off the balance should be XXXX.
I had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Bank of America ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.
I was offered a 0 % introductory balance transfer by American Express on their " Blue Cash Everyday '' The offer was to expire XXXX XXXX 2016. Speaking with a representative on this day, XXXX/XXXX/2016, I was informed the offer is still available and I would be able to do a balance transfer from my XXXX card to the new Amex card in the amount of {$7800.00}. Today, XXXX XXXX, 2016, I received a letter from Amex ( dated XX/XX/2016 ) stating the offer was declined because the limit to transfer may not exceed {$7500.00}. When I called Amex today XXXX XXXX 2016, I questioned " their '' error hoping to discuss with a higher authority. However, I kept getting transferred to noone of authority after multiple request to speak with Management that can discuss and solve the issue at hand. I also requested a number other than a XXXX number I could call. No such luck. Between XXXX and XXXX XXXX XXXX, 2016 my paitience had run out. Clearly my call was not going to get transferred to the correct level of Management to resolve the issue. After being transferred 5 times, my last words to an Amex rep were " I do not need you to put me on hold, I have been transferred 5 times and again not to a person that can help me. Please give me the contact name and phone number of a person in Management that can hand ; e this situation and do not put me on hold '' ... .you guest it, I was placed on hold! 

My aim is to have them accept the mistake by their employee of quoting the price of {$7800.00} and have them honor the original balance transfer offer that I was presented with even if it is to be the {$7500.00} limit that they are claiming. But my point is " their '' employee has made the mistake, not the consumer! 

Thank you for your time and patience in reading my complaint and for your dedication to public service.
American Express won't let me use my points " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' No one can tell me when me and my partner will be able to redeem the points. Given various reasons for the hold. We made a complaint and still haven't heard anything.
Navient has sent me a letter on XXXX, XXXX, 2016 stating that they were researching my account based on the fact that my loans were taken out of deferment while I am still in school. As of XXXX XXXX, 2016 I have yet received a response from them. In addition I have checked my account and they have transfer some of my federal stafford loans and I have no idea where they are transfered to. Navient has not sent me any notification of this transfer. 

In addition after they sent me this letter that they were reviewing my account they send some of my accounts to creditors.. They are playing games with my account and its really not good.
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE
In the past I had a bank account with Bank of America. Back in 2015 I had an account with XXXX bank that I had to close due to my account being compromised so I opened a new account. I accidentally deposited a check into my Bank of America account from the closed XXXX account in error. When I realized the mistake, I made I contacted the bank and made the situation right as soon as possible. ( no funds are owed to BOA ) I made sure my account was cleared of all fees. I received a letter from Bank of America closing my account due to fraud. I called to explain the mistake and they told me that they put me on XXXX and there is nothing I can do about it. I have been fighting this for 2 years with no resolution. I no longer want to bank with them but would like to have the option to bank with someone else which I am not able to as I am on a fraud alert on XXXX. I do n't think a mistake which I owned up to and made it right instantly I should n't be punished for 5 years because a bank feels that they are right with no recourse. I have spoken to managers and supervisors and they all tell me this ca n't be removed. I need to send a letter to them. I have done that and the letters go un-answered and recently received a response because I reported them to the XXXX. The answer is they still refuse to remove it. I really do n't want to hire an attorney but I may not have any other option.
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Credit Services Company, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Toll Free : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau : XXXX XXXX, XXXX Re : Case number XXXX In response to your letter dated XXXX XXXX, XXXX, the above named credit company is once again ( after the passage of over one year ) harassing me with threatening letters. These letters are documents nearly entirely in XXXX, though I speak XXXX. 

These letters attempt to prove that I did not experience coercion and predatory consumer manipulation when a doctors office in network for me suggested that I have an elective ( non-necessary ) procedure, and that they would make all the necessary arrangements for me to have this invasive out-patient procedure at XXXX of their sister facilities. 

As indicated repeatedly in previous letters, not once in all the interactions with this doctors office or the institution that repeatedly contacted me, was any notice given, nor advice or " Full Disclosure '' carried out by any of the parties involved ; that they were - in fact, outside my insurance network and therefore cause certain patients financial hardships - even if referred by the physician in question here. They have an ethical, moral and fiduciary responsibly to their patients to provide safe, effective, and fully informed and consented care to the patients they treat and collect remuneration from. 

In your latest letter, you indicated that you were unable to contact said credit company for lack of domicile, etc. Please note above that I have corrected in full the information you require ; including a toll-free phone number and the previously missing XXXX number. 

I hope that this additional documentation will assist you in pressing my compliant and my cause to its ' rightful conclusion with this predatory organization. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Email : XXXXXXXXXXXX