WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage company did not pay my property tax for the period XX/XX/XXXX. I had a mortgage payment that included impounds for property tax and home insurance. When I returned from a trip, I received a notice from the Tax Collector that my property tax payment was delinquent. I immediately sent a letter to the lender my complaint. After a week of dispute, no settlement at all from their part. 
I have not been late with my mortgage payments for at least 4 years. My mortgage statements of XXXX/XXXX/XXXX up until XXXX/XXXX/XXXX showed escrow payments which I pay on time. What I do not understand is, how can a well known lender like them would be negligent in not paying my escrow. I did not even receive any notice from them that they are not paying my escrow. So I was just paying my mortgages on time knowing that my property taxes and home insurance are paid on time. 
My penalties have increased by the time I made arrangement with the Tax Collector. Since I do not have the full amount to pay my delinquent, I made a payment plan. I paid XXXX % up front and the rest in installments with interests. 
My stress level has gone up because of this. I have sleepless nights on how to budget my money now. I just hope I am not their only customer that experienced this. It is stressful and hearth breaking. You loose respect of the lender 's credibility. 
Thank you kindly.
Flagstar bank tried to foreclose on me in XXXX. They alleged a lien against my property in XXXX XXXX, Michigan, during a loan modification process. There was no lein against me or my wife. The burden of proof was on us and we proved there was no lein. We filed for bankruptcy to prevent an inevitable foreclosure. I've discovered since that flagstar illegally blocked borrowers attempts to save their homes. My bankruptcy was discharged in XXXX as I lost my job of 4 years. I've applied for mortgage assistance with Flagstar and have been denied. They are using the same stall tactice and dual tracking. I need help.

I have also made Flagstar aware of the XXXX issues I had. I sent papers by certified mail outlining my XXXX issues. They are reviewing but I'm sure they will foreclose before resolving the issue.
midland funding llc called my home repeatedly monday - sunday 7 -12 times a day i settled XXXX co. throuhg them which was unfair debt collecting for charged off over 4 years. they called my home sundays at XXXXnow they are sueing me for a original creditor XXXX bank for XXXX '' XXXX which i received a notice from XXXX suing XXXX for wrongdoings starting XX/XX/XXXX i had been part of a settlement XXXX did with my account concerning payment protection. i became XXXX with XXXX XXXX and got the notice XXXX gambling for wages too and lost XXXX dollars. i am sick from midland credit using abusive illegal collection tactics.the settlement offer was XXXX and i paid XXXX payments of XXXX then stopped i realized the account was charged off. i recieved notice XX/XX/XXXX
On Saturday, XX/XX/2016, my son deposited a cashiers check for {$2400.00} into his Chase checking account. On Monday, XX/XX/XXXX the funds showed up in his account as available for his use. On Tuesday, XX/XX/XXXX he transferred {$1600.00} into my Chase checking account. On Wednesday XX/XX/XXXX I was notified by Chase that the funds were in my available balance, and I removed those funds in order to pay for something. Later that same day, the Chase Bank notified my son that the check had actually bounced, and so they deducted the amount of {$1600.00} from my account and his account. The issue is that the bank had a cashiers check for 4 days, had 4 days to check the validity of the check, made the funds available to each us, which in our minds meant that the bank had thoroughly checked it through, and then after all of that did not take accountability when they discovered that the check was not valid. Our issue is that we did not ask them to loan us money based on that check, we trusted them to be able to tell us if the check was good or not. This is really what we pay them for, and they should be accountable and liable for giving us money when they told us the check was valid.
When I refinanced my home back around XXXX of 2016 I was told by wells fargo that to remove my PMI I would need to either allow my payments to reduce balance to 78 % or if my home value improves I could order an appraisal and if the loan to value was at 78 % or lower I could have my PMI removed. I recently just paid for an appraisal through a credit union who uses a third party vendor. My appraisal came in with enough value to have my PMI removed. So I sent in my appraisal and now wells fargo says its not valid because it was n't through them. Not once did they inform me that it needed to be ordered through them. I also spoke with two representatives within the last 2 weeks about sending in my appraisal and they asked why and who i was getting it through. I informed them of possible home equity loans through other banks. They said okay and to send it in once I have it. They provided a fax number and notified me that once its received and reviewed my PMI would be removed. Now im being told my appraisal I paid for is not valid and that they are not removing my PMI. I would like to file a compliant for unfair and deceptive practices. They had opportunities to tell me before that other lenders appraisals do n't count even though they used another lenders appraisal for my home loan when they took over the servicing on it.
The City of XXXX charged had a balance due of {$77.00} but Fidelity Credit service charged me over a XXXX % penalty for using them as a debt collection service for a total of {$100.00}.
My tax refund was direct deposited to a netspend prepaid card. I filed my taxes with turbo tax. Once my tax refund was deposited to my netspend card within a week and a half there was fraudulent activity on my account so I filed disputes and closed my netspend prepaid card account. 

Once the disputes were investigated it was proven that fraudulent activity had occurred and I was to be credited back {$340.00} back. Since my account was closed I was told that I would be sent my return of funds by check mailed to my address of record. When I never received my check I called netspend several times and literally spent over 3 hours on the phone in XXXX different calls trying to find out when I would receive my refund from netspend. I was hung up on several occasions. I was treated very rudely then I was told that my check was sent to the IRS because that is who originally deposited funds in my netspend account. 

I spent countless hours on the phone and in person with the IRS only to be told that they have nothing to do with a refund due me from netspend because of fraudulent activity on my netspend account. The IRS stated they never received anything back from netspend. The IRS said once my original tax refund was deposited into my account they have nothing more to do with my netspend account. That makes sense to me. 

After speaking with the IRS I made several more attempts to get my {$340.00} from netspend. Once again they told me that they sent it to the IRS. The IRS states they never got it and would never accept it even if they did. 

This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet received my {$340.00}. I keep getting the run around from netspend. I am XXXX and have been treated like trash by netspend and still nothing has been resolved. I am at my ropes end. This has caused so much emotional distress having to go through this. 

I want my {$340.00} from netspend they have been holding it for nearly 3 months.
My student loan is in default. I attempted to remedy this in XX/XX/XXXX but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either. 

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX  however upon calling XX/XX/XXXX, I was advised it is being held with XXXX XXXX. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment. 

The garnishment has already taken place ( XX/XX/XXXX ) and I still have not received any form of notification as of XX/XX/XXXX.
In XX/XX/XXXX I got a home loan through Bank of America. During this process I was informed I would receive free checking and a free security deposit box. I specifically asked when signing up for this feature, How long do I have this feature? and was told, " Through the life of the loan. '' ( per branch manager at the time in the XXXX office ) As of today I still have a home loan through Bank of America however last year I received a letter stating they will no longer offer this feature & they will from there on out start billing me for this service ( which was never disclosed to me they would be doing this ) In XX/XX/XXXX I was notified by Bank of America about refinancing through them to get a better rate, I spent quite some time going over everything with them & was assured multiple times the terms would stay the same & nothing would be changing but the rate. This was conveyed to me by XXXX XXXX and XXXX XXXX who were employed by Bank of America and representing me at the time of the refinance. I have spent countless of hours on the phone with Bank of America trying to get this issue resolved only for them to give me story after story of why they are taking this away. I also spoke to I believe a XXXX from the XXXX Bank of America branch. When I asked why they were out of the blue taking this service away she told me the reason was because they were passing them out like candy and couldnt keep doing this. This is very misleading and dishonest and should have been disclosed at the time of my loan process. Had I known they would take away a feature they had offered and assured me I would have through the life of the loan never would I have signed loan docs with Bank of America. I am a person of my word and feel I was lied to and taken advantage of just to get my money. Reputable companies I know would honor a service they had promised to me to begin with. Im coming to you in hopes you could help resolve this matter in a fair and professional way.
This company has failed to provide me verification and validation of debt. This also needs to be update on my credit as disputed. This is not my debt and I am demanding proof of this debt. Also this agency must be license and bonded to collect in the state of Texas. I have attempted to contact this company but continue to go to a voicemail. I need proof this debt is mine. Date of Service something bearing my signature and in general what this was for? The last XXXX of my social are XXXX and date of birth XX/XX/XXXX.
I GOT A 18 MONTH PERSONAL LOAN WITH PAYOUT EARLY WITH NO PENDALTY AND SAVING ON THE INTEREST. THE LOAN AMOUNT WAS {$1500.00}. THE FIRST MONTH PAYMENT WAS {$120.00} BUT I PAID WELL OVER THE MONTHLY AMOUNT MY GOAL WAS TO PAYOFF EARLY. I CALL THE COMPANY IN XXXX FOR A PAYOFF THEPAYOFF BALANCE WAS {$600.00} BUT I HAD CREDIT ON THE ACCOUNT WITH NO PAYMENT FOR 6 MONTHS. I STATED ON MY CHECKS AND BY PHONE THAT THE EXTRA AMOUNT WAS TO DECREASE THE INTEREST OWED. SO I ASK FOR A PRINTOUT OF MY ACCOUNT THE MANAGER STATED THAT THERE WAS NO PRINTOUT FOR MY ACCOUNT. CALLING CORP OFFICE FOR THE BALANCE I NEEDED TO CALL LOCAL OFFICE.I HAVE A CREDIT FOR THE ACCOUNT FOR 6 MONTHS NO PAYMENTS I NEED THE CREDIT TO BE APPLY TO THE ACCOUNT. IF I HAVE DID NOT PAY I KNOW THE COMPANY WOULD MAIL OUT REMINDER BUT NOT A PRINTOUT TO MY SURE THE COMPANY IS INCOMPLIANCE.
I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!
Citicard offers a program called "  PRICE REWIND  ''. They advertise - you buy, we track, you save..   See their website :   XXXX   XXXX   XXXX   As it is mentioned they ( citicards ) tracks the prices, however, the majority of my purchase price adjustments are rejected under the heading.     " Proof of lower price found '' - so they track but I have to provide proof of lower prices of the items???     How come they advertise " we track '' and then reject my price rewind benefits where I have to proof the lower price advertised.
Equifax is completely unresposive when responding to complaints and inquiries about their reporting. After filing a complaint about false information they were giving out to creditors, they eventually issued a confirmation number to be used in viewing the resulting findings. However, in order to view the results, a questionaire must be filled out that asks about various accounts the inquirer may or may not have, and the answers must match what Equifax has on file. Since the information that Equifax has on file is false and inaccurate to begin with, their is no way to correctly answer the questions and the complaint findings can not be viewed. 
Equifax is committing fraud with this system ; they obviously have no intent of invesitgating or correcting the false infomation they provide to lenders. And they are equally unresponsive to phone inquiries ; demanding that the caller provide irrelevent and non-existant information before processing the complaint. 
Equifax if violating the rights of consumers and should be stopped or put out of buisness!!
When my loan was transferred from XXXX XXXX is was unclear how my payment was being allocated. I was also misinformed about payments of deadlines and critical deadlines. This continued for many months and misapplied payments.
I received a credit report from Equifax in XX/XX/XXXX and realized my date of birth was incorrect. I was told to fax over my personal information which was ; copy of drivers license and social security card. My DOB was updated. In XX/XX/XXXX I received another credit report from Equifax and it had several addresses that were not mine, a formally known name that was not mine, a social security number that was not mine. A XXXX credit card with a {$10000.00} line of credit and a XXXX account that is not mine. I have disputed twice once by fax and once by certified mail. The result from the first dispute is they would not be removing any of the incorrect information and the credit report remained unchanged. Second response is Equifax could not make out my social security number and license. I have mailed a copy of a recent utility bill and a XXXX form. I went to a professional copy shop to have copies of all of these documents copied since this was a response I received in the past. I am in the consumers affairs department which means I have lost the ability to have online access to my credit file and i applied for a credit card and was denied based on the inability of the creditor to pull my credit report from Equifax. Equifax told me I was in this department indefinitely and they refused to give me a reason why. I can not discuss over the phone my report with Equifax. I would really like your assistance in gaining access to my credit report on line and having a correct credit report.
There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago XXXX acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for XXXX and Experian Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.
I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.
on    XXXX   XXXX    2017 i s  ent  Carrington mor tgage company my insurance check to endorse. they cashed my insurance check and applied the the  XXXX  from   XXXX   XXXX   that was money to fix my roof to my principle balance to my loan. when i called regarding this matter they told me that it will take  2 we eks to get my money back. weeks before this i was notified in a statement that i was low in my escrow account when in fact i was n't and they increased my mortgage payment up to  XXXX  a month now I 'm paying  XXXX  but refused to give me documentations as to why or where i was short. i needed to contact my city and have the city call  Carrington mortgage company. They still have yet to get back to me or to notify what my paym ent will now be monthly. Everytime i call to address the situation they connect me to someone else then i sit on hold for almos t 45min then th e call ends up dropping. i feel violated and scared to know that these people hold my mortgage and there a re 1000 more like  me going through this with them right now. I am at a loss of words. this house is shelter for me and my family and i cant even change mortgage companies because i chose not to refinance. please help me please..
This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
<P/>
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/>
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
<P/>
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
<P/>
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
<P/>
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
<P/>
Sincerely,   XXXX   XXXX
Vehicle loan with Fifth Third Bank. I suffered a financial hardship and did a voluntary repossession of the vehicle. Fifth Third Bank sold the vehicle at auction. We then received multiple statements showing our balance was zero. Fifth Third Bank is now trying to collect {$4600.00}. We have disputed multiple times. Not I received notice from XXXX credit that the bank has filed a suit or judgement. 

XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. 

THIS DEBT WAS HANDLED IN COURT
I never received any bills from this agency to be able to pay this debt. I had no knowledge of this debt.
I sent a letter to Experian dated XXXX/XXXX/15 to dispute some inaccurate items on my credit report. I then received a response from them dated XXXX/XXXX/15 stating that my letter was suspicious and not sent by me. I 'm not sure how they determined this when I even attached my driver 's license and utility bill to confirm my identity. I even called them on XXXX/XXXX/15 regarding the suspicious letter and the representative gave me a hard time and refused to do anything with my dispute letter.
I fell behind on my payments and have tried several times to get a modification with this loan thru Ocwen. The mortgage company will grant a modification and accept 2 trial payments and then will send only the third payment back to me with no explanation at all. I then re-applied for assistance with Ocwen and they granted a modification and never sent me any payment amount or Letter stating that I was granted the loan modification .... Next thing I know I am in foreclosure status!!!! I have tried to contact them and get someone on the phone to ask them how I can receive a letter from them saying my home will be sold off in 2 weeks. I am need this matter looked into asap .... My loan # # XXXX -Ocwen
I was called on XX/XX/18 from a company going by the name " XXXX XXXX XXXX '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old Wells Fargo account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to Wells Fargo to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. Wells Fargo confirmed that I owe them no money.
I am writing in regards to an Auto Loan Repo that has been on my credit report for more than 7 years, which is beyond the statue of limitations in CA. It has not been removed from my credit reports.
I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to  validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.