WillisBack/dataset-financial-user-claim huggingface dataset:
I live in California, my former mortgage holder, XXXX, went bankrupt and sold our loan to Green Tree. Prior to the sell, I had never heard of this company. As a result of the sell Green Tree opened an escrow account, to pay property taxes and insurance, I never had a escrow account before and do not believe the State of California requires lenders to maintain an escrow account. My mortgage is a fixed rate 30+ year mortgage and the monthly mortgage payment is {$1200.00} and I pay $ XXXX monthly to cover the escrow payment for property taxes and insurance. According to my monthly statement from Green Tree, my regular monthly payment is {$1500.00} so I pay roughly {$11.00} per month more than is required which I acknowledge was no designated to be applied to the escrow account until I recently made my XXXX payment. Despite my attempts to comply with the terms of this loan, every year since Green Tree has held our mortgage we get a bill for XXXX of dollars, this year it was {$800.00}, supposedly because of escrow shortages. Every year it 's a different amount, but the escrow shortages are always for XXXX of dollars and the amount of insurance and property taxes we pay annually does not increase that much to justify these increases of XXXX of dollars each year. Green Tree provides this annual escrow account disclosure statement with this convoluted calculation to justify these increases ( copy attached ). This year XXXX days prior to receiving the annual escrow account disclosure statement we received a letter from Green Tree stating that our account was current ( copy attached ). Each year I contact Green Tree to get someone to explain these calculations and I have yet to understand the justification or the explanation. If you do n't pay the amount of the shortage Green Tree threatens to increase the amount of your regular monthly payment to cover the shortage. I find it hard to believe it is legal for a mortgage company to charge a borrower XXXX of dollars more per year to maintain an escrow account if it 's cheaper for the borrower to pay their own property taxes and insurance. If the borrower 's property taxes and insurance are not delinquent, then a borrower should be able to opt out of such a onerous escrow arrangement. If Green Tree is able to charge people XXXX of dollars more each year for these " supposed escrow shortages '' it 's no wonder they require borrowers to have an escrow account. We should be able to pay our own property taxes and insurance to avoid the financial hardship that Green Tree is creating. We are currently stuck with this mortgage company, but at the first opportunity we will make every effort to change lenders. But I do n't believe we should be penalized because we are stuck with this company. A company we did not voluntarily enter into a contract with. It should not be legal for a mortgage company to require consumers to have an escrow account that costs them hundreds of dollars more per year than it would cost if that consumer paid their own property taxes and insurance. I do n't know if this practice is legal but it should n't be and it definitely needs to be investigated.
EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. 

THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991
Hi chase bank has been keeping me waiting for deposit approvals of money, not allowing me to overdraft and even excessively long wait times for mail and account updates including adress changes phone numbers and processing of my money! 

They intentionally are extremely unfair to me and very mean. 
They wont stop fusterating me constantly. 

Ive told everything you can think of and no one can do anything about it. 

There lying about me and trying to make up stories so they can freeze my money and bankrupt me They have stranded me while I was traveling 2 or 3 times intentionally to make me react By keeping me with no money for days no food or water and no gas! Starving hungry in the desert! With no water because of chase!
My mortgage company loan Depot is not reporting my mortgage payment I reaffirmed my loan after my bankruptcy was discharged they charge me a fee for doing so XXXX and XXXX they have not yet reported my loan payment my mortgage to either credit bureau please help
On XXXX XXXX, XXXX I received a noticed to collect taxes for XXXX filing year due to a form XXXX Cancellation of Debt filed by Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX. This was in reference to my XXXX XXXX XXXX that was repossessed during my time of insolvency in late XXXX. I also lost my home during this same time in foreclosure. This was a joint account between me and my late husband XXXX XXXX who XXXX XXXX XXXX XXXX XXXX. This account was defaulted on in XXXX XXXX and the vehicle was taken and in there possession since XXXX XXXX. See documents outlining delinquency dates. And IRS notices. Due to this company filing this XXXX In XXXX of XXXX the IRS is now trying to collect delinquent taxes for filing year XXXX. This vehicle was repossessed in XXXX XXXX and sold at auction in XXXX XXXX. NOT XXXX. A for XXXX is a cancellation of debt meaning that the company has forgiven the balance of the debt. If this is so why does the debt remain on all 3 credit reports. Attached is a copy of one of the reports showing the account as delinquent with the full balance. This company can not report a XXXX and still report the account as delinquent and try to collect the funds.
The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.
Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated.
IN RESPONSE TO CFPB XXXX THE REFERENCED ITEM STILL REMAINS ON MY CREDIT FILE. PLEASE HAVE IT REMOVED TODAYS XXXX XXXX L XXXX DOB XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX DOB XX/XX/1976 SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Pinnacle Credit Service at XXXX XXXX XXXX XXXX MN XXXX harassed me for month after month to collect a debt which they could not legitimately verify, now after paying so called debt in full they refuse to send me a receipt that I paid it. I have the money order receipt to prove that I did indeed pay it, it is XXXX XXXX. I demand that they send me a XXXX balance receipt. Please help.
Received an email on XX/XX/XXXX from Ross Financial Recovery Group XXXX. XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX, claiming I owed {$200.00}. The address turned out to be a corner cafe in what looks like a residential neighborhood. Three calls resulted in a different person with XXXX XXXX accents each time. 

Previously owed {$350.00} to XXXX XXXX, which was paid in full XX/XX/XXXX to XXXX XXXX in XXXX XXXX. After going through all credit channels, XXXX XXXX confirmed on XX/XX/XXXX payment was previously accepted. 

I was informed by XXXX XXXXXXXX that Ross Financial Recovery Group was fraudulent.
I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer.
BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.
PNC Bank withdraw slips read : I, XXXX The undersigned XXXX, do hereby acknowledge receipt of $ XXXX Amount XXXX however they are requiring this form to be signed in advance, without receiving the funds, before they will transfer or relinquish the funds from my account. I refuse to sign for money I have not received yet as long as the verbiage stands, and the bank refuses to change the funds to a non past tense statement. 
I would be fine signing a withdraw document that had better verbiage, or signing in after actual receipt of funds. But in the current form it produces a legal liability and I refuse to perjure myself just to access my bank account.
XXXX XXXX XXXX had a checking account with Bank of America, account number XXXX. The account was opened ITF ( In Trust For ) XXXX XXXX XXXX, my mother. 

On XX/XX/XXXX XXXX XXXX passed away. In XX/XX/XXXX XXXX XXXX completed the required forms from Bank of America to receive the funds ( over {$1000.00} ). She never heard from Bank of America. 

In XX/XX/XXXX XXXX XXXX fell ill, was diagnosed with XXXX, and XXXX XXXX on XX/XX/XXXX. 

As executor and heir, I contacted Bank of America to find out why it had not issued a check for the balance in the checking account. It said additional forms were necessary, which my mother never received. Now that she is passed, I have to obtain the balance of XXXX XXXX 's account, but Bank of America will not release anything unless there are additional forms completed, an estate opened for my mother ( which is not necessary due to the extremely small value of her estate ), and file forms in South Carolina Probate Court - even though both XXXX XXXX and XXXX XXXX lived in Florida. Bank of America continues to withdraw {$12.00} a month from XXXX XXXX 's account as a service fee, despite being away of his passing in XX/XX/XXXX,  reducing the balance owed to my mother ( and now me ). The case number with Bank of America is XXXX.
This is in regards to the Equifax cybersecurity breach. It is my understanding that I have been impacted by the breach.
Receive a call everyday from this # XXXX..have called me every day as early as XXXX XXXXand as late as XXXX XXXX..they never leave a message and when I 've called back all I get is a recording that states please hold for the next available operator..no XXXX ever comes on..upon googling the # it comes up as Senex a medical bill debt collector..I 'm still not certain as to why they call because no message has ever been left ... but they call everyday..even on the weekend ...
I was charged XXXX overdraft fees in the amount of {$70.00} on XXXX/XXXX/17 for XXXX charges which I had enough funds in the account to cover those charges. When I called today to get credit, the Supervisor said no..
My XXXX husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the XXXX settlement. I have attempted several times to contact both the credit bureau and Amazon store card and neither will knowledge this.
Checked the last 6 numbers of my SSN on the Equifax site when news of the security data breach was broadcast on the news. The website gave me a date to go back and enroll in the TrustedID as information had been compromised in the hack. My wife received a different date, but the same message. We then called the phone number indicated as the number to call to initiate a credit freeze. After the automated system directed us to enter some identifying information, including our state, we were told it could not process our request and we could complete the freeze online. I tried to go on to the website to put a security freeze on my credit report and got an error message. I then tried to call the Equifax customer service number and was sent to an automated messaging service that hangs up on me and never lets me talk to a person to initiate a security freeze.
This company is calling all family members and friends and harrassing them with continuous calls at all hours. I have no idea who they are and I do not owe that amount they told to my mother. I do n't live with her and the gentlemen on the phone told her all private information about me. She was n't aware of this and felt threatened.
After requesting " proof of contract '' from collection agency " FAIRWAY COLLECTIONS '' on XX/XX/2017, I have not received a response. Lack of response to my request thus constituted a tactic agreement that FAIRWAY COLLECTIONS is not entitled to enforce a collections claim against me, due to FAIRWAY COLLECTIONS inability to provide proof of contract. 
Despite this fact, FAIRWAY COLLECTIONS continues to report a collection claim against me to the credit reporting bureaus, thus causing damage to my credit profile.
I contacted XXXX XXXX first I put my last 4 of my acct in collections in and got connected to ARS. I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, XXXX XXXX does so I would have to call them and they gave me the number. I then called, XXXX XXXX back, spoke with the 1st rep which said they would help then connected to the second rep in collections and I requested what I told the rep with ARS a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
Applied for XXXX XXXX with XXXX Rewards to be used specifically to purchase XXXX Watch costing {$740.00}. Subsequently to the online application submitted to XXXX, I received a form letter, undated, not signed, without anyone 's name appearing thereon and without a designated phone number, such letter demanded sensitive identification documents be sent to a PO Box , XXXX, DE within 30 days or the credit card application would be cancelled. The identification documents they demanded were a copy of my Driver 's License/State ID, Social Security Card and a current original utility bill or bank statement with visible name and address. No explanation was given for why these documents were being required in order for the subject credit card application to go forward. 

Called XXXX 's General Inquiries telephone number to address my concerns about the contents of the form letter and why it was sent to me in the first place. My call was transferred to three different people and, finally, ended at the desk of a Security Dept. XXXX, who after listening to my concerns about potential identify theft and why this sensitive info was being requested in the first place informed me that such a requirement was consistent with their policies in some instances. I specifically asked what may have triggered this event and she refused to answer. I informed her that XXXX months back I had received a XXXX 's XXXX with a {$9500.00} credit limit without any difficulties and without any compromising hard copy identification documents being required. She hesitated while she accessed my existing credit card account that showed no outstanding balance, the card having never been used, came back to inform me that that existing credit card was now being put on hold and could not be used until they received the aforementioned identification documents. 

I ended the call my informing her that I had no intention of sending such sensitive personal ID documents to a PO Box or to a financial institution that refused to provide reasonable assurance that my identity would be secure as well as an explanation as to why such drastic steps were deemed necessary in the first place.
Despite repeated written requests for statements for my auto loan be mailed to me. According to XXXX in Collections at USAA as of XXXX-17 my account was still set up for online bill delivery, which USAA has restricted my online access, preventing me from viewing my statement and paying my bill. The paperwork I have received regarding this auto loan are late statements, with no account information or payment stub to submit payment. Yet I was assessed, late fees and if I had not called into USAA collections to make a payment my credit would have been negatively impacted despite USAA 's failure to comply with the fair billing act. Furthermore, all of my remaining external bank accounts according to the USAA agent were restricted and not allowed to be used to make payments. So, I was left with no billing stub to submit payment, and no means to electronically make the payment and with no account statement depicting the balance, interest or status of the account.
I am registered .with XXXX XXXX. In the last10 days, I have receive multiple noticesof new inquires on my credit report from Transunion and XXXX. 
I have not consented any financial organization or automotive group to perform a credit inquiry. 
I am concerned someone is attempting to use my SSN.
Navient it reporting that I paid my loan late twice when it should have been in forbearance.
I was never on more than a trial HAMP program in, XXXX. I paid it on time for 11 months until Chase took me off it when they took over my loan from XXXX. From Chase I was than transfered to XXXX XXXX who keeps telling CFPB that I was given the Hamp Program through them which is untrue XXXX XXXX has refused every attempt I have made at paying my mortgage and told three different cases workers at Mass AG 's Office that paperwork was missing that they would be include on the faxes and emails containing said documents.XXXX XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX & XXXX XXXX XXXX of AG 's Office Ma. Both were finally told by XXXX that they just didn't have modification programs. I have 7 large boxes containing every modification I filled out any mailings from the numerous lenders including XXXX  XXXX XXXX who put me in this illegal loan to begin with I had a 3/5 arm adjustable and on the 3rd year it went from 7.8 % to 11 % and when I tried to refinance they said it could no longer be done because I was self employed same work I have done since XXXX. XXXX refuses to evaluate me and pretends to open the process but never does it.