WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage is held by Fifth Third Bank. My homeowners insurance, paid to XXXX XXXX, is paid on an annual basis by Fifth Third Bank via escrow. Recently Fifth Third Bank changed the vendor they use to process insurance payments. I received a call from my insurer, XXXX XXXX, about 10 days ago, XX/XX/XXXX or XXXX  informing me that policy had not been paid and it had been billed on XX/XX/XXXX. I was unable to reach anyone at the bank as I was informed they were having system issues. I then called my local bank branch and spoke with the onsight mortgage agent, XXXX XXXX, who contacted XXXX XXXX at XXXX XXXX to request an invoice she could forward for payment. 10 days later, another call call from XXXX XXXX, and Fifth Third still has not paid the premium out of my escrow. A very confrontational phone call with Fifth Third agent named XXXX, and now, supposedly, a check is being mailed overnight to XXXX XXXX. It should not, in my opinion taken nearly 3 weeks for this transaction to occur. I am 5 days away from policy cancellation due to Fifth Thirds new vendor arrangement and subsequent inability to manage insurance payments from a new vendor. Fifth Third, at the corporate level, not the local branch level has been difficult to deal with. I have NO issue with XXXX XXXX, they have been very helpful.
XXXX XXXX has several hard inquiries on my credit report from XX/XX/XXXX and XX/XX/XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX   XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
We have established two reoccurring payments with Synchrony Bank. When payments are made, they are applied to the wrong account. When trying to log onto their website, we can only see one account even though we know we have two, both in the same name. It is impossible to log into one of the accounts to make payments and we continue to get notices that payments are overdue.
XXXX XXXX XXXX stated that they sold my bad debt to XXXX XXXX on XXXX/XXXX/XXXX which is incorrect. According to XXXX XXXX they obtained my account on XXXX XXXX, XXXX, therefore XXXX is still reporting false inaccurate information. There are XXXX accounts listed on my credit report from Lendmark Financial one ending with # XXXX in the amount of {$2000.00} and the other one ending with # XXXX in the amount of {$1400.00}. I only had XXXX account with Lendmark and each time Lendmark sold or transferred my account they created a new account number which also added another tradeline to my credit report creating multiple tradelines from the same creditor which has severely affected my credit rating even more. I have made several attempts with Lendmark to correct this matter but I was only disrespected and humiliated and hung up on by one of the managers, and XXXX representatives. I have also disputed this matter to all the credit bureaus and nothing has been done, but Lendmark manages to constantly update my credit report with new or updated information according to the credit bureaus, which is still affecting my credit rating. Again if my account has been sold to XXXX XXXX and they are collecting on this debt as well why is lendmark still reporting on my credit report. I am requesting for the fifth time that Lendmark remove there multiple tradelines from my credit report and allow the company that they sold the debt to, to collect on such debt.
I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}.
I am currently three months in default on my loan. I am able to make a payment around 1700 a month continuously until my income increase. I don't want to go into foreclosure. My lender has not reached out to me to do a face to face. I need your help as I don't want to wait until it's too late. Please audit my mortgage and make sure that their are not any improper charges added or calculations not properly deducted.
In early XXXX, I sent investigation requests to Equifax and XXXX XXXX. In the request, asked them to investigate credit errors that appeared on my report. Over 45 days have passed without a response. They were supposed to respond within 30 days.
Fifth Third Mortgage Account XXXX have set up automatic payment from my banking to pay my mortgage each month. In 2014, 5/3 raised my mortgage by {$150.00} and I was made aware until it was too late. I made up the proper payments to bring my account to balance and 5/3 continues to erroneously mark all three credit report. My money would leave my bank account on time, but seemingly never arrive at 5/3 Bank where my mortgage payment is due. In XXXX of 2014, I faxed 5/3 Bank with my 2014 YTD payment history to prove my account was current. I contacted 5/3 and confirmed they received that fax and there would be no more concerns. My payments were not on time but the notices did not stop. I have attempted resolve the problem with 5/3 Bank and my banker XXXX and neither was helpful and this issue still is n't resolved! Because I could get no answers, I stopped making payments after the XXXX payment was paid on XXXX/XXXX/14. Soon 5/3 would claim that I owe over {$1100.00} in missed payments and attempt to DEFAULT my mortgage. After contacting 5/3 Bank, the Customer Service Representative who told me that over {$500.00} was never applied to my account, ( with no explanation given ) that I only owed {$640.00} to bring my account to current status. I made that payment ( confirmation XXXX ) by phone at that time. As I type this complaint, I am still receiving notices that my account is overdue by 30 days, meaning nothing has been resolved. Please ask 5/3 Bank to REMOVE ALL BAD CREDIT REPORTS FROM XXXX XXXX, AND XXXX. Also, I ask that all late fees be applied to principal balance of my account ( please do not send a check ). Because of my frequent travel I am around to await a check in the mail, not am I able to forward the fax mentioned in this complaint.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
CALLER CLAIMED MY RECENTLY DECEASED ( 3 WEEKS AGO ) WIFE HAS OUT STANDING DEBTS THAT NEED TO BE CLEARED UP ... ... ... PHONE # XXXX ... ... ... MY WIFE HAD NO DEBTS ... ... ... ... ... ... ... ... ... ...
Wells Fargo has charged me for attorney fees and filing fees due to being late on my mortgage, however there was no need for an attorney. Wells Fargo says that they paid attorney fees in the amount of {$2000.00} and I have requested an explanation and proof that of these charges. After approximately 4 months from the initial request for more information, I was sent a letter stating they reviewed the information and the charges are correct. They did not provided receipts to show that anything was filed against me as they claimed in XXXX Parish ; etc. They will not take the charges off of my account. 

First let me explain a little history. I became delinquent on my mortgage because of a reduction of hours at work. I contacted Wells Fargo in XX/XX/XXXX. Supposedly the " foreclosure process '' had begun however I paid the account in full on XX/XX/XXXX to XXXX XXXX XXXX ( attorney ) including the proposed attorney fees. Wells Fargo would not receive my payment and I had to pay the attorney directly since they had my file. My mortgage statement the following month stated my account has been reinstated. I was even credited for attorney fees that were paid but not used. See attached supporting document PDF XX/XX/XXXX. 

Unfortunately I found myself in the same predicament a year later in XX/XX/XXXX. I was again behind and I called to see what was the exact amount I owed to catch up and I spoke with a representative who told me my account had not yet been sent to collection and she gave me an EXACT amount to pay to get the loan current. I told her the exact date I would be sending the payment, she noted the account and said to call the day I send the payment to be sure the quote was correct. I did call and confirm the amount to send and sent them a Certified Check from my bank account for the amount that was required. There was never a mention of attorney fees or any additional fees to be charged to my account. The amount I was sending would bring my account current. 

In the past, when the account is sent to the attorney, XXXX XXXX ( the attorney ) will send a letter and you MUST pay the attorney directly. You can not submit the payment to Wells Fargo. I paid Wells Fargo directly in XX/XX/XXXX. My XX/XX/XXXX mortgage statement has this printed " AS OF THE DATE OF THIS STATEMENT, WELLS FARGO HAS NOT MADE THE FIRST NOTICE OR FILING REQUIRED BY APPLICABLE LAW FOR THE FOR THE FORECLOSURE PROCESS. '' The account was paid in full on XX/XX/XXXX. The attorney fees do not show up until the XX/XX/XXXX statement and no one can tell me exactly what these charges are for and show proof of payment. Please see PDF supporting documents XX/XX/XXXX and XX/XX/XXXX respectively. 

I have checked XXXX Parish Courthouse records and no filings have been initiated or recalled against me since XX/XX/XXXX. 

There was not any contact with an attorney regarding the delinquency in XX/XX/XXXX. Therefore, how can I be charged for services?
I just received a notice in the mail ( XXXX-17 ) that my Chase credit card 's terms are changing. Specifically my interest rate is being increased from a moderate, but not entirely unreasonable ~10.9 % APR to 15.75 % APR. They did not provide what I consider to be a valid reason for the change. This was not based upon missing payments, nor upon credit history, or any other of what I would consider to be " reasonable '' justifications. 

Their sole justification effectively boiled down to " we 're not charging you a high enough interest rate, so we 're increasing your rate by ~50 %. '' In the more 'legalese ' verbiage of the notice, the only justification for this outrageous increase is " ... because your APRs are below the lowest APRs we currently offer on similar accounts. '' To me, this is simply them saying, " we 're not over-charging you to the same extent we 've managed to over-charge everyone else through our methodical long-term upward APR creep, so, we 're simply adding an extra 50 % to your APR, welcome to the club. '' Sure, they say that you can " reject the change, '' but if you do so, the only recourse listed is to " notify them in writing and then stop using and close the account. '' To me this is quite unacceptable. I 've had this account for years. Probably a decade even. They inherited it from Washington Mutual. And, up until now, they have never seemingly had a single problem with my account resting at 10 %, and taking their pound of flesh, so-to-speak. So, why, all of a sudden is a rate closer to what I would call a " penalty interest rate '' apparently the " lowest they 're willing to go ''? 

In my opinion, an un-telegraphed 50 % increase in APR, with no justification other than " we want more money, '' is simply nonsensical. 

And, for reference, my card at a competing " too big to fail '' institution is only 8.90 %, and has been equally stable for approximately a decade. Chase has always charged a higher rate with a lower spending cap than the equivalent larger cap and lower interest rate. Now, they seem intent to charge DOUBLE what I 'm paying at the other institution. To me that says, it 's not me that 's the problem, it 's them. Pure and simple.
Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX ( Ref # XXXX ). Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with XXXX Apparently XXXX directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor XXXX will apparently do so. 

Particulars : XX/XX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XX/XX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XX/XX/XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.
TD Bank blocks external sources from accessing account which is inconvenient - I am trying to use " XXXX '' application.
This debt is being reported inaccurately. I do now owe any money to this company.
I've pulled my report and find an XXXX  Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
I have a charge off with XXXX that ended XX/XX/2013. The lender is reporting the charge-off every month as a current status known as re-aging which is illegal. Equifax refuses to make the lender comply with the Fair Credit Reporting Act FCRA 623 ( a ) and remove all " CO '' status on credit report after XX/XX/2013. Re-aging causes a negative account to appear more recent. The more recent the charge-off appears to be, the more detrimental to my credit scores. Re-aging also causes an item to stay on my credit report longer which is illegal. The Fair Credit Reporting Act states : " The 7-year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity ; charge to profit and loss, or similar action. '' I am writing to dispute XXXX on my credit report with Equifax. The amount and current monthly status listed on the account is incorrect. I request the account be deleted immediately for compliance with the Fair Credit Reporting Act and FTC, and Consumer Financial Protection Bureau ( CFPB ) from my Equifax credit report. Both XXXX and XXXX are reporting the account correctly. Please see attached. If you look at the other charge-off accounts you will notice they are not reporting with " CO '' every month. I have highlighted this account and another that is reporting incorrectly. Additionally, I highlighted XXXX, XXXX XXXX XXXX, and a couple of that are reporting correctly so you can see the difference. Please make Equifax correct my credit report.
A judgement is listed on my profile although it should not be as it was included in my bankruptcy. This is only incorrectly reflected on equifax and I have repeatedly disputed the matter with them and they contact the court as opposed to the creditor. I 'm not certain why it 's only incorrect on this profile but nothing is being done to resolve the issue. I was referred to the court which indicated they do n't report and the creditors indicated they do n't report as they received the bankruptcy information. At XXXX point it was reported correctly but as of XXXX 2016 I have not been able to resolve this matter.
On XXXX/XXXX/14 at XXXX XXXX XXXX, XXXX, XXXX, Citibank alerted me to XXXX suspicious withdrawals in the amount of {$200.00} and {$300.00}. I was in XXXX at the time and did not make these withdrawals. My Citibank card was in my possession and no one else has access to my account. I immediately filed a claim and changed my passwords. I expected to be reimbursed quickly but have been denied several times, even after filing a police report. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. sent me a letter that they had been retained by Discover card notice of opportunity to contact within 30 days to dispute the debt, and a statement they are a debt collector. The letter was delivered uncertified. I responded on XXXX/XXXX/2015. In that letter, I asked XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. to validate the date. The letter stated to respond to a specific Notary Public who would verify and validate receipt of said validation within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. on XXXX/XXXX/2015. I pulled my credit report and saw that this debt had been charged off. I then was served with a lawsuit on XXXX/XXXX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. My issue this firm stated they were retained by Discover card. That claim is patently false, since the debt was charged off. If Discover Card was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter, This indicates that they obtained this debt as third party debt collector. the statements made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
I received notification and a refund check for {$4900.00} from Citi Mortgage in XX/XX/XXXX with an explanation that the refund was a function of not getting the benefit of a interest rate reduction ( at origination in XX/XX/XXXX) given the overall relationship I had with the bank. In subsequent discussions with the customer service dept., I understand that I should have benefitted with a XXXXbps reduction ( 2.75 % vs 3 % ) on the mortgage. The rate is fixed for the first 10yrs ( untilXX/XX/XXXX ) and floats thereafter for the remaining life of the mortgage. When I asked how they arrived at the figure of {$4900.00} I was informed that they took the initial principle ( XXXX XXXX ) and applied the XXXXbps for the first 5 years ( {$390.00} x XXXXbps XXXX ). While I appreciate that there has been amortization on the loan ( to $ XXXX ) and they paid on amount w/o considering amortization, I believe they should pay on the 10 year fixed period as I would benefit by a lower interest rate for an additional 5 years if the correct interest rate ( 2.75 % ) was used at origination. When I asked if I could appeal this decision as to the time period used for reimbursement they said I could not and referred me to CFPB. I still have a extensive relationship with Citibank so was very disappointed that they took they position. Obviously, I am happy that an internal Citi audit uncovered this initial mistake but I believe they have fell short in turn of a fair reimbursement for the period where I should enjoy an interest rate reduction
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX ), XXXX   XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX   XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XX : XXXX : 5X XXXX : XXXX ), XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ).
On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.