WillisBack/dataset-financial-user-claim huggingface dataset:
I had a modification and Chase overcharged me. I presented proof as a receipt from the local real estate tax board along with the letter from Chase that stated how much I owed for real estate taxes. 
They refuse to acknowledge it. 
We had a deposition and my side was not allowed to ask questions and I got charged for Chase 's deposition. 
I was awarded {$500.00} against Chase from the Independent Foreclosure Review Board and had to get help from the Attorney General to get them to tell me in writing  what I was charged for in my loan modification. 
There have been numerous issues with the mortgage where they charged me fees for partial payments that they believed were bounced checks, they charged me for insurance when I had it, they charged me twice for insurance in the same month, and etc. 
I need them to correct the overcharges that I proved with the tax records so that I can sell the house. I do not ever want to deal with them again. I am afraid to continue dealing with them. I emailed their XXXX XXXX XXXX several times. They would have the Executive Office contact me but, they never resolved the issue.They have two hour recorded calls where I have called them and they agree to help on the call but, never follow through. 
I am having such a bad experience with them that I do not intend to hold a mortgage in the United States ever again. 
There is a possibility that the XXXX XXXX or XXXX XXXX XXXX XXXX did receive all of the the tax payments from XX/XX/XXXX-XX/XX/XXXX and didn't refund or credit them. I need an investigation asap, please.
we had an insurance loss in  XXXX     2017 -- t he loss was over  30000 - - the process with  Selene Finance  to get the funds released from the insurance company have been a NIGHTMARE!! They keep changing their process, tell us to d o one thing an d then change it and its holding u p our contractor fro m being paid -- the banks inspector cleared the 100 % completion  3  weeks ago -- we have sent in every piece of paper and the checks and the last issue was the la st straw - - we called and ASKED about sending the depreciation check endorsed or not as I was reluctant to send an endorsed check thru the mail to them -- we were told to NOT endorse it -- and today we got a call that they had to send back for endorsement -- NONE of the checks have been released from them and this is seriously holding up payment for reimbursement to us and ou r contractor fo r completed repairs -- if my complaint should not be to CFPB then please advise to whom -- this is outrageous behavior and process on their part we pay for insurance to be used to take care of repairs and insurance company released funds " weeks '' ago ( over a month a nd 1/2 ) and  we are not seeing any funds paid out because they are holding them.
Opening up complaint against Equifax for the latest data breach as I was identified as being a potential consumer that had my information stolen.
I get calls from Alliance several times per day every day, I have no idea which debt they 're trying to collect on.
Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these.
1. XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX
I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will
CAVALRY PORTFOLIO SVCS are reporting on my credit report claiming that i owe them {$620.00} which i do not recall making business with them.i demand that they remove that derogatory account my my credit report immediately.
Recently noticed a debt collection record from ERC ( Enhanced Recovery Corporation ) for XXXX account stated as opened on XX/XX/XXXX. I was not residing in US from XX/XX/XXXX to XX/XX/XXXX. Also I did not got any letter later for account opened in XX/XX/XXXX.
I have contacted the Udren Law Offices three times with no reply. They are proceeding with a foreclosure action in which I have not personally been served. I would like to bring this mortgage current but they will not return my calls. Unfortunately because of the lack of response from Udren, I am sure they are racking up fees to be charged to me. I do not see why I should be responsible for additional fees. Also, because of this situation I do not want to go into foreclosure. I obtained the services of a law firm of which there is no reason I had to do, but Udren does not return my law firms phone calls or correspondence either. I think Udren should be responsible for any attorney costs that I will incur because of their lack of response.
Re : Kohl 's Account # XXXX I made purchases in XX/XX/XXXX totaling {$180.00}. On XXXX/XXXX/16 I made a return in the amount of {$28.00}. On XXXX/XXXX/16 I paid the remaining balance {$150.00}. On XXXX XXXX, 2016 the Kohl 's system took an auto payment of {$180.00} when the balance on my account was XXXX. Now they say it will take over 60 days to refund my credit balance. This is a computer programming glitch for the company to float my money.
Dear sir or Madam : I am writing because I need your assistance seeking a resolution for unauthorized purchases on my American Express Serve Prepaid Card. I loaded {$500.00} XX/XX/XXXX and {$250.00} XX/XX/XXXX to take advantage of the up and coming online discounted merchandise after the Holiday season. I received a Fraud Alert directly to my cell phone XX/XX/XXXX inquiring did I recognize the attempted purchase at XXXX XXXX in the amount of {$170.00} I immediately responded indicating NO in fact, I sent 6 separate messages stating the attempted charge was NOT authorized. That same day XX/XX/XXXX I followed up the text messages with a call to American Express customer service. I explained apparently my card was lost because I did not have it in my possession and I did not attempt to make a recent purchase. The American Express agent advised there was numerous pending transactions on the account but may take a few days to complete. I immediately requested the American Express card to be cancelled. I was informed the card was reported lost, cancelled, a new one would be issued and I would receive a dispute form via email. I just needed to fill out the form accordingly and return within 10 business days. I received the Declaration of Fraud Form via email XX/XX/XXXX. 
I promptly returned the form XX/XX/XXXX answered all pertinent questions, and indicated the following purchases were unauthorized. XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$69.00}, XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$23.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX amount {$34.00}, XX/XX/XXXX XXXX # XXXX XXXX ON amount {$110.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX amount {$63.00}, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX amount {$120.00}. I am requesting unauthorized purchases of {$390.00} including but not limited to Fee for Foreign Transactions in the amount of {$10.00} and any other charges associated with these unauthorized purchases be refunded immediately. The XXXX charge in the amount of {$34.00} on XX/XX/XXXX was a recurring purchase also charged XX/XX/XXXX. I was able to resolve this discrepancy directly with the merchant. I am shocked and appalled American Express would have the audacity to send an electronic letter XX/XX/XXXX indicating and I quote Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized Our financial institution ( s ) have hit absolutely rock bottom Logically am I to think there was a thorough investigation conducted all within 8 hours? Moreover, I reside in XXXX, Iowa USA these unauthorized purchases was in XXXX, YES, XXXX!!! Please assist in resolving this concern. 


Sincerely, XXXX XXXX
I have fraudulent accounts listed on my credit report that do not belong to me. The following accounts do not belong to me : XXXX BANK XXXX, Account Number : # XXXX Collection XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Of North Dakota, Account Number : # XXXX XXXX Bank XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX Bank, Account Number : # XXXX XXXX : # XXXX XXXX. XXXX : # XXXX
I am a co signer on a student loan the loan is not default they are calling my job XXXX an XXXX time a day please stop them from calling. P.S. THIS IS THE NUMBER THAT IS CALLING # XXXX
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ... 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, XXXX and Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, XXXX  and Transuion but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX  and Transuion on XX/XX/2018 and was told XXXX never contacted them.
I have one late payment that was reported to the bureau in XX/XX/2016 that i am begging to be removed, besides that one late payment that was sent out to the Bureaus Ive been on time since, I told them the reason I couldnt make the payment on time. Told them I was having financial hardship at the time after my grandpa passed and i lost my job ... I had already contacted capital one with a goodwill letter and they werent willing to change the status nor help me.
My first dispute letter was sent XX/XX/XXXX. My second letter was sent XX/XX/XXXX according to my mailing receipts. 

Bank of American continues to report negative inaccurate information to my credit report. 

After the first letter, BOA updated accounts to verified as accurate but ALL debts are paid off. BOA has not provided proper documentation as to WHY they are continuing to report negative information to my credit report. 

After the second letter, BOA sent a letter stating BOA is attempting to collect a debt. 
Bank of America has not provided valid documentation of debts owed. 
This information is inaccurate. 
Bank of America is now in violation of the FCRA and continues to be in noncompliance.
We sent the final principal payoff amount for our home mortgage to Capital One on XX/XX/2105. We contacted the company last week and they confirmed receipt of our check, but stated it would take 3 days more to credit the final payment. It has now been 7 days ( 5 business days ) since they said they would credit our final payment, and XXXX calendar days since the payment was sent. We are concerned that they are dragging their feet, and we do not trust that they will fulfill their contractual responsibilities to close out our fully paid mortgage.
Afni ha s  XXXX  collection items.  XXXX   XXXX   XXXX  a  2012  chargeoff.  XXXX  public records showing on my report that are not on my  XXXX  report please remove them from   XXXX   XXXX  .
I had a credit line of {$18000.00} on my Discover card. I had a balance of about {$10000.00} that I was making payments monthly on. In XXXX of 2014 my daughter was admitted into the hospital with a very rare XXXX that almost took her life away. We spent 28 days at the hospital where we used the card to take care of our expenses while we spent those days together in pain and suffering at the hospital. Somehow Discover allowed us to go past the maximum spending limit to a total of {$28000.00}. They never stopped the card from charging and let me go far over my limit. 
Naturally, I was going through very desperate times and had no choice. 
We 've been paying above the minimum payment every month an average of {$500.00} with a lot of sacrifice. I 've had this account for the past 20 years and I 've never missed a payment until now. I used to like Discover, they always did a good job for me and me for them. However, Discover not only increased my interest rate to usurious amount on the new high balance which I had full intention of paying but they also increased my minimum payment to {$750.00} a month making the payment no longer possible for me to pay. I called the company and spoke with so many representatives which did nothing more than to transfer me around to people who acted like they were managers. Ultimately nothing was done to help me reduce the interest or the minimum payment. My daughter remains ill today XXXX and has never been able to return to school. I am an everyday American with middle class income that has been taken advantage of by the predatory practices of a big bank. What 's worse ; is all along I thought I was a valued customer with a good credit card relationship. My daughter 's medical expenses are very costly and have to come first. Clearly the new interest rate coupled with the new minimum payment Discover will be driving me to bankruptcy and delinquency with no concern or humanity. I cringe knowing that these atrocities continue to happen to American people by predatory lending practices engineered by these filthy rich banks.
They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.
I received an alert to credit report to discover a collection agency by the name of ICU Systems listing a debt for {$110.00}. I am extremely upset. I never received anything from this letter, just a shocker to see it listed on my credit report. I tried to resolve this with XXXX XXXX XXXX. My issue was that XXXX XXXX XXXX was charging me for services in which I did not have with them. I tried to produce the documents showing that I was receiving service with XXXX during the time XXXX XXXX XXXX was billing me. XXXX made an error and instead of porting the phone number, they assigned me another phone number for my landline service and internet. So, I did not have XXXX XXXX XXXX during the period in which they were charging, therefore not owing XXXX XXXX XXXX. I am asking this company to remove this debt from my credit report. It is not a valid debt, nor did I have the opportunity to speak with this company before seeing this debt posted on my credit report to inform them of the situation.
I had a mortgage with Ditech Financial and decided to refinance with them to get fixed rate. I received a good rate and everything looked good during application process but later turned out that both loan officer and loan processor had very little knowledge about the process. The loan processor   XXXX   XXXX   seems not to have any knowledge at all, he was giving me confusing information all the time and after closing totally ignored me. The major issue arised with real estate taxes when they decided to take almost {$3300.00} at closing to pay taxes shortly before real estate bill came out. After the closing, when i received tax bill and found out that it is around {$1000.00} less i made several calls and emails to loan processor and loan officer and received no response.After few days trying to call different departments at Ditech no one knew where my money was if it was paid already or not. Finally i contacted the title company and was told that the check was already sent. Now i have {$1000.00} overpayment and it will take forever to get the money back. All because employees from Ditech do n't know what they are doing and ignore customer. I would never do business with this company again.
In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
I attended XXXX XXXX XXXX XXXX in XXXX XXXX, Fl for the XXXX program. The school ended up closing down due to Financial Aid Fraud and other unethical issues. I did not receive a diploma of completion from the school or any paperwork stating that I attended XXXX and I also paid a remaining balance of {$1100.00} to XXXX without knowing that the school was going through legal issues and closing down. I have loans totaling over {$16000.00} from a school that 's no longer around.
I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from XXXX a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from XXXX  a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called XXXX to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with Experian - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from Experian with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.
I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.
XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX.
I woke up today to a collection on my credit report from this company CONVERGENT XXXX it says the original creditor is XXXX and it was opened in XXXX XXXX i monitor my credit religiously and i have no idea who this company is and i never opened or owed XXXX anything in XXXX XXXX this same company has been harassing me over the phone for a month whenever i told them to send me something in writing about this account they hung up on me
I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA Date Filed XX/XX/XXXX Type Bank XXXX XXXX Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX BANK USA Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WIRELESS-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX