WillisBack/dataset-financial-user-claim huggingface dataset:
Our house burned down on XX/XX/2016 and was a complete loss. As our primary mortgage holder, Nationstar Mortgage ( d/b/a Mr. Cooper ) was given a large amount of coverage funds from our insurer and put into escrow to issue disbursements for rebuilding our home. Nationstar refunded my wife and I the amount of the insurance proceeds above the balance of our mortgage. When we called Nationstar 's customer service/loss draft department, a representative explained that they were not entitled to keep more than the mortgage balance in the escrow account. We fired our contractor based on numerous violations of the construction contract and New Jersey consumer fraud statutes. Despite already having received insurance proceeds up to the mortgage balance, issuing a refund check to us and representing this was their policy, Nationstar has told our insurance carrier that additional insurance proceeds must be placed in their escrow account. They have also insisted that any funds they receive go to pay our former contractor, who filed a bogus lien claim against us. This leaves us with little money to complete the rebuild and will make our partially completed home essentially worthless. Further, our tax assessment after our house was destroyed was decreased by roughly 65 %. Yet Nationstar still takes their full cut of the original tax payment in our mortgage payment each month. We have requested reimbursement for their overcharging but have gotten no response. They have both reneged on and misrepresented their escrow policies while taking taxes beyond the prevailing rate after the fire. We are making our full mortgage each month while having to rent housing for our family. We are being bled dry and about to lose everything because they won't help us rebuild our lives and our home. Nationstar is intentionally and unconscionably forcing us into foreclosure and financial ruin.
I did get a title loan from Ace Check XXXX and was paying it on time until work became VERY slow. I defaulted on my loan and did try to set an arrangement ONLY to not be able to fulfill it. I am a recently divorced mother of XXXX who has recently had to file bankruptcy to take care of my kids. I do/Will pay the debt off.
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number XXXX. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX
There are several issues regarding our XXXX XXXX XXXX XXXX loan information. First, our last payment was XX/XX/XXXX and it shows XX/XX/XXXX. The account is closed, charged off as a bad debt, P & L write off as shown on our credit report. Although it is closed and charged off, they continue to report  to the credit bureaus each month and add interest. The account is past the statute of limitations and needs to be completely closed, with no further reports to the credit bureaus. It also needs to be removed from my credit.
Past 7 years and was already removed from credit report and now has been added back to credit report with incorrect dates.
I was contacted by a company called Service 1st Mortgage that offered to lower my monthly payments by refinancing and also promised an escrow refund and 2 months off of payments. The process was supposed to take 2 months, but 5 months later we were still working. The day of the closing, I noticed that the paperwork said that my first payment would be due in a month, instead of in 2 months like I was told. My rep, a man named XXXX XXXX, explained that this is because I would get a refund on a month of mortgage payment, so I went ahead and signed. I never received said refund, and when I contacted the rep he at first said that he would look into it, but then stopped responding to my emails and answering my calls. It has been 2 months now.
For the past year i have been contacting TransUnion about 4 accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. Transunion File Number XXXX
On XX/XX/2016, this debt for {$160.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and TransUnion Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX  and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
I disputed this account MJ Atlman Companies, which is unknown account to me on XX/XX/XXXX. I disputed with XXXX, XXXX, and XXXX credit monitoring reporting agencies advising all XXXX agencies that this was unknown account to me and that is what not my debt. On XX/XX/XXXX I received the investigation results back from XXXX which stated that the account had been updated and removed from my credit file. However, XXXX and XXXX both stated to me that there investigation concluded different results. Both agencies we 're unable to remove the account, because it 's was verified as accurate.
Good Morning In XX/XX/2017 i have found some strange report on my credit file from unknown company " XXXX XXXX  XXXX XXXX '' but this collection is fraudelent and i do not have any idea where this is came from, i kindly ask you to investigate this case and delete this information from my report. 

Account number : XXXX Balance : XXXX $ Creditor Info : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Original creditor info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I sent a letter to AAMs to validate the debts on my credit report and when I asked for proof that they own the debt or that the Hospital has placed them in charge of collecting the debt they refused to send me the information. I inform them I never received the original validation letter that they claim that they sent me years ago. They are still refusing to send me that copy of a validation letter I am demanding a copy of that validation letter stating that they are the original creditors or are in charge of the debt from the original creditor.
On Saturday, XX/XX/2018 I handed the teller a withdrawal slip, photo id and my bank card to withdraw {$5800.00} which I have more than 10 times that amount in my account. The teller that was assisting me called over a senior teller to over-ride the amount. The lead teller proceeded to inform me that she was not comfortable making this transaction and denied me my funds stating she would not be able to help me. After repeatedly asking her what was making her uncomfortable with no real reason I have come to the conclusion that my appearance did not quite match my bank account, since I am a XXXX XXXX XXXX male. I asked for a supervisor or manager unfortunately none was on the premises so she needed to call one on the telephone and explained her position. The lead teller refused to assist me with my withdrawal and suggested that I go to another branch to make this transaction preferably one that knows me.
On XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit, I never authorized, nor have knowledge of this company. I contacted them, but they never answer. 
On XXXX XXXX Capital One Bank pulled a hard inquiry on my credit, I never authorized, nor have knowledge of this issue. 
I contacted Customer Service, But Your Customer Service would not help and take care of the negative inquiries reporting to my credit report.
Between XX/XX/XXXX and XX/XX/XXXX, I received a calls from XXXX XXXX XXXX concerning a Medical bill. I asked them to mail me detailed outline of services rendered along with the bill and I will promptly sent them a check for the total amount. All they sent was the bill. 
On Friday XX/XX/XXXX at XXXX XXXX central time, I received a call from XXXX ( employee number XXXX ) with XXXX XXXX XXXX concerning the same matter. Once again, I asked them to send me a detailed statement of services rendered along with a bill and I will send check for full payment. She stated they sent the bill in the past. I told her I got the bill but not the detailed statement. 
She continued her attempt to make me pay by credit card or to give her my bank info for an electronic check. I stated I was not giving my personal info over the phone and that I would promptly mail a check for full payment once I received the detailed statement and the bill. She continued to harass me and threatened to report as bad credit if didn't pay with her. I Firmly asked XXXX if they are willing to take my check. She stated they ONLY take credit/debit cards and electronic check. I asked to speak with her manager and she put on hold and ultimately hung up.
The courses that I was scheduled to take were never offered. They were too few students the school stated to offer the courses and as evidenced by their own accounting transcript classes were cancelled and that there was no teacher available for classes that I was present for. Allegations that I missed classes are erroneous and false. The school promised to provide a quality technology experience that would help me to get back into the workforce. It did not and was not prepared to do so. I signed for an original loan of {$10000.00} but the loan amount was changed on XX/XX/2007 without application for additional funds doubling the loan amount to {$19000.00}. I was not scheduled nor did I apply for a second semester of courses but the school attempted to show on the transcript provided that I did and that I did not attend the classes offered. I have secured all of the documents from the school to support my allegations. To date I have paid over {$30000.00} back on a loan of {$10000.00}. We continue to pay the loan to protect my credit. Navient also indicates that I have missed recent payment but I pay each month. My contention is that the company fraudulently assigned another XXXX to my original loan amount without my signature for classes that the school did not offer and had no intention to offer and for which I did not sign register for. I have attempted for ten years to rectify this situation. I have the relevant documentation to support my claims.
XXXX XXXX credit cards for dress barn is Robo calling me several times a day, both Robo calls say : Hi, This is XXXX we need to discuss an important business matter regarding your XXXX XXXX account with Capital one. I didnt quote the rest, because Im not positive Im correct. Both calls come from different women named XXXX. One sounds like a young gal, in her 20s. The other sounds like an older woman. I know they are Robo calls because neither voice changes nor does the intonation. Thank you.
Dear CFPB, I opened a credit card with Capital One in XXXX, and the address on the account was an old rental address of mine in Maryland. I moved from that rental property in XXXX, but the change of address I initiated with the USPS apparently did not report back to Capital One that my address was no longer valid, and Capital One continued to mail all of my information to that address for many years thereafter. I forgot that the card was still active, and it carried a XXXX balance for many years until someone obtained my card in XXXX ( likely someone who lived at the rental I previously occupied ) and fraudulently charged several purchased on the card. The total charges were under {$200.00}. 

After a year of calling in several times to Capital One, to log the dispute, and hearing nothing back, and continuing to see this derogatory information on my credit report, I finally persisted today for hours until someone finally told me that they refused to consider the charges true fraud. 

I also found out that the account was still open, but I had closed earlier this year. 

Additionally, Capital One has changed the account number for my card and is reporting two different card numbers for the same account to the credit bureaus, so that it appears as if I have two seriously delinquent cards with Capital One. 

I asked the fraud manager that I was speaking to, XXXX, what I could do at this point. I asked if I could appeal the decision. She said no. I asked if I could be sent a written explanation of why the charges were not deemed fraud. She denied that request as well. I also asked to speak with her supervisor, and she said there was no supervisor available, even though she was only a manager. 

I was defrauded and I'm being denied any kind of fair process. 

Thank you in advance for any help.
I just received my results from Transunion CRA and my results against XXXX XXXX   XXXX are still being reported on my credit report Transunion started investigation on XX/XX/XXXX today is XX/XX/XXXX the results are still the same I dont know what kind investigation they did but its a poor one I started back in XX/XX/XXXX disputing this company XXXX XXXX XXXX I wrote letters to them I wrote letters disputing with Transunion according to section 609 of the FCR a if there is not a original signed contract you have to delete the information from the credit report this company does not have any information on me with an original signed contract nothing with my signature on it I am putting in another complaint against Transunion and XXXX XXXX XXXX with CFPB. I informed Transunion that they had my sisters name on my credit report, I will continue to put complaints in until this matter is resolved. I have documentation on an account that XXXX XXXX is reporting that is deleted Ive shown them this information as well as all three CRA. Im fighting for every consumer that has issues with XXXX XXXX XXXX ... Im not done! This complaint is against TRANSUNION
I was out of work for a few months in XXXX. I contacted Bank of America to inform them of the issue. Still out of work, I chose to use a credit card to make my mortgage payment. After a couple months of doing this and seeing my debt rapidly increase, I stopped using my credit card. I regained full time employment in XX/XX/XXXX. I contacted Bank of America to inform them that although I 've obtained full time employment, I 'm still not capable to make full mortgage payment. I was told that due to my account being delinquent that I was being sent to foreclosure. I constantly tried to work with Bank of America. I involved NACA and Home Owners Assistance programs. I kept receiving information that stated there 's no proof I live in the property. To which, I told the representative that they all are more than welcome to come over for dinner and see differently. This went on for a year. I routinely submitted the necessary documents to prove my case. As of today, XX/XX/XXXX, I 'm about 22,000 behind in my mortgage and I still want my home. Bank of America is not willing to help me retain my home. Instead they either want the XXXX or the home will go to foreclosure. Because I am still getting the threats of foreclosure, I am choosing to save my mortgage payments in the event I am locked out of my home by the time I get back. Not to mention, the home is not worth NEARLY the amount I owe on it. Homes in the area have sold between XXXX and XXXX. I currently owe XXXX. Even if I choose to do a short sale, I 'll still owe more than the home is worth. To proceed with the foreclosure, the home has been appraised at only XXXX.
I have a credit card account with Barlcays Bank. I have had the account for 2 years. When they opened the account it was for {$5000.00} credit limit. Over time it was increased to a {$7000.00} credit limit. I have never been late on this credit card at all. Always paid it on time. Today I receive a message that my credit limit was lowered because they did a review on my application. They lowered it to XXXX. Which was lower than what was originally offered to me. Keep in mind about 8 months ago I paid this account down to a balance of XXXX. In that time I was offered to do a balance transfer on my credit card. I took the offer and moved debt from other credit cards over. Now the card balance is at XXXX. The fact they lowered my limit is going to make my credit score look worse. What I am asking for his for them to raise my limit to at least XXXX. The amount they originally gave me for the credit card.
Navy Federal Credit Union froze my accounts and told me several untrue statements in regards to my account ( checking and credit cards ) so I decided to file a bankruptcy. The statements they told me were untrue and caused significant harm to my credit and life.
I have disputed an account with Experian several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX and is now being held by XXXX XXXX XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and XXXX I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Due to the lack of effort by Experian it is still effecting my credit negatively. If a mistake was made by either XXXX or XXXX, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. I will be filling a corresponding complaint with the Attorney General 's office as well as the FTC.
I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. 

Therefore, because I am disputing this debt, it should not be reported to the credit reporting agencies.
XX/XX/2018 I sent certified letters to XXXX XXXX for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with XXXX and Equifax and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.
I and my wife discovered that after our contract agreement was assigned to  BBVA Auto Financing,  that our agreement/promise to pay, was deposited into an transaction account, opened in our name, without our permission, and monetized, that was concealed from us. We are requesting full disclosure of that deposit slip associated with our loan, and a receipt.
The conversation I had with the American Express credit card company was confusing as far as the exact numbers go, so the numbers I 'm using will not be exact but the way the CC company handled it should be obvious. I had a balance due in XXXX. I paid part of the balance ( more than the minimum ). I made a purchase of {$3000.00} in XXXX. In XXXX I paid {$3100.00} on a balance of {$3100.00} making my balance due of {$15.00}. My statement for the amount due in XXXX showed an interest charge of {$28.00}. It looked odd to me that {$28.00} would be charged on a {$15.00} balance. I called the company. They told me that it is a " trailing interest '' charge. Because there was a balance from the previous month ( I 'm thinking the {$15.00} ) that, even though I paid them {$3100.00} they were going to charge me interest on the {$3100.00}. In other words they are charging me interest on money that I have already paid. I asked the lady from the CC company if that was accurate and she said, yes, because the previous month 's balance was not paid in full they would use their '' trailing interest '' policy to charge me interest on money I had already paid them. Is it legal for them to do this? To my knowledge, none of the other CC companies I deal with operate in this manner.
I was denied opening a bank account due Bank of America reporting a negative information on XXXX XXXX XXXX XXXX. This is harming my ability to obtain a bank account.