WillisBack/dataset-financial-user-claim huggingface dataset:
LoanDepot, my mortgage company, has yet to pay my property taxes to   XXXX   XXXX   XXXX   for  XXXX  2017. They have, however, paid the taxes for  XXXX  2017- XXXX  2017. That payment was only made just recently, as up until just a few weeks ago both   XXXX   and  XXXX  payments remained unpaid After many phone calls to their customer service department and many emails to their " delinquent taxes '' department asking for a solution, I continue to be put off and told that " funds were disbursed '', yet these taxes continue to remain unpaid
1. I called Chase Claims to file a dispute on my debit account on XX/XX/XXXX. 
2. The Chase Supervisor said she would not except my dispute under The Fair Credit Reporting Act. 
3. I advise the Chase Supervisor at XXXX that I had XXXX charges I did not authorize that showed up on my debit Card.XXXX. 
4. a unauthorized Charge in the amount of {$100.00} dated XX/XX/XXXX and a unauthorized Charge of {$34.00}. 
5.The Supervisor from Chase refused to investigate or make a Claim for these XXXX charges on my account in violation of the Fair Credit Practice Act. 
6. When I advise the Supervisor she was not qualified and violated the FCP, and I would call back to talk to another Supervisor, she said I will mark your file so you can not make a claim. 
7. I called back and talked to XXXX another Supervisor on XX/XX/XXXX and he advised me that The Prior Supervisor marked my account not to take a claim.. 
8. Both of the Supervisors for Chase our unqualified to make decisions, because there actions caused a Legal liability for Chase Bank.. 
9. XXXX XXXX CEO should receive a copy of this complaint to let him know that a XXXX year old XXXX was discriminated against, and caused a liability a Tort claim against Chase.
Received threatening voicemail from a XXXX XXXX from XXXX XXXX XXXX stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last XXXX digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called CFPB and spoke to XXXX who instructed me to call Citibank and verify their credit debt collector. I called Citibank and spoke to XXXX who after researching my ss number found I had never had an account with them and also verified that they do not use XXXX XXXX XXXX. Called CFPB back and spoke to XXXX who instructed me to file complaint.
Everytime I make extra payments ( in addition to my auto-scheduled payments ) I can not make them simply to the principle. That is not an option. The only option available is to " make a payment '' and it is always applied to interest as well as principle. The further I make a payment from XX/XX/XXXX ( my auto scheduled payment ), the more interest I have to pay. I believe that if I am making additional payments that those should go strictly to principle, just like a mortgage or car payment is allowed to go to principle. 

Additionally, ever since Navient took over the student loan, I no longer see the " pay in full '' option that I used to see. I used to be able to see my total repayment option if I 'Paid today '' and, if I selected that, that price would be honored for up to 10 days while payment was processing. With Navient, that is not the case, so should and when Ihave the money to pay something in full, is that going to be an option? or will I be penalized by having to pay principle as well ( which is n't defined ).
I got behind in my payments with Bank of America. I went to a mediation with B of A and the Oregon Dept. of Justice. I asked for answers on why I had 3 times the amount of Escrow required, as well as a misc {$100.00} I was being charged. I also wanted to know why they would keep flood insurance on my property when I had a current map as well as a letter from the county that I was not in a flood plain. I also felt it was excessive having XXXX appraiser in one month parking outside my home and writing up appraisals that devalued my house. I live alone and I am XXXX and these appraiser really frighten me until I found out who they were working for which was B of A. XXXX am attaching an email I sent to Bank of A and Oregon Dept of Justice on what a farce the mediation meeting as nothing was resolved. 
copy of email : I went to the mediation meeting and thought it was a farce. B of A will not help me with my loan. They also gave me a bunch of double talk about the mystery {$100.00} charge on my account but I guess they can put any type of miscellaneous charge on my account. I was also informed that I had an credit of {$1300.00} and that I was sent a letter on XXXX XXXX which I never got ( no surprise on that ) but of course there is no copy available so I am not sure if that is true. My over payment of {$110.00} is in an account of " unapplied '' as well as the supposed {$1300.00}, but for some reason my XXXX statement does not reflect this and I was told that basically they ca n't apply the unapplied funds to my account, although I was told I really do n't owe a XXXX payment. I suspect if I do n't make the XXXX payment I will have more fees. 

This year they will collect another {$1900.00} which if added to the balance in my escrow account of {$4100.00} will be {$6000.00}. The approx insurance to be paid out of my escrow is {$1900.00} however I was informed they needed all that money in escrow in case my insurance amount goes up. B of A did not feel it was excessive. It is a shame I ca n't get the interest they are probably getting from this money. 

As for my flood insurance, if they correct their records on my property, they would have to correct the records on everyone else 's property that is not in the flood plain and that it is too much work for them. 

I asked about the XXXX different appraisers that sat in front of my house in one month that resulted in each appraiser devaluing my property. Apparently it is not excessive to have an appraiser sit in front of house and re-write appraises on a house as B of A has to keep up with the market so I was told. The last appraiser I confronted basically told me B of A was going to be putting my house up for since I was behind in my payments. 

Basically, B of A can do whatever they want and do not have to answer to anyone as the meeting proved. 

I do n't see why the Oregon Dept. of Justice thinks they can help property owners stay in their houses because they really can not. 

I will file a complaint with the Consumer Finance Protection Bureau against B of A.
I have XXXX XXXX problems. I lost my job. I have an old credit card with XXXX XXXX originally for overdraft protection that has an incredibly high interest rate that they tell me is high for all these weird surcharges. When Ive tried to work with them they wont help me and tell me not to close it or pay it off. I cant even pay one of the amounts now equal to a standard payment when I worked. They have served me at my door in a house where I am living with a relative. I do not have a home and just a car for assets. I have 12 days left on the summons to pay them {$10000.00}.
I have and installment with XXXXXXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from XXXX. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXXXXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXXXXXX XXXX, which is right next door to XXXX XXXX. XXXXXXXX XXXX XXXX   are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
XXXX, TRANSUNION, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
I have received a letter from Van Ru Credit Corporation saying that I owe {$100.00}. I called the medical center they say they are from and asked them about it and they said that I did not owe anything. I believe this to be a scam.
I am a victim of identity theft. I have a identity theft marker on my credit reports. 

XXXX accounts which Equifax are reporting on " XXXX '' and " XXXX XXXX '' are result of identity theft and I demand Equifax stop reporting this information. 

I submitted a FTC ID theft affidavit and police report to XXXX over a year ago.. They responded to me a few months later saying that there is nothing they can do since they sold this account to XXXX XXXX XXXX. 

I called XXXX XXXX ( the debt buyer ) recently and explained the situation and the fact that I am a victim of ID theft. The XXXX XXXX rep says " In that case since you are a identity theft victim, I can offer you a one-time settlement 80 % discount ''. I refused to pay even with their large discount because I will not pay for someone else stealing my identity.. It was n't me..
In the first week of  XXXX  the   XXXX   XXXX   XXXX   called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
VIOLATION OF MY CRA RIGHT SENDING BILLS THAT I DO NOT OWE THE CREDIT BUREAU ALL TOOK THEM OFF AND ARE SATISFIED THAT I DO NOT OWE MONEY ON A LEASE THAT HAS GAP INSURANCE I SENT ALL THE REQUIRED DOC 'S TO ALL COMPANIES INVOLVED
I was granted a {$1000.00} business gift card via American Express. I sporadically use it, however I wanted to check my balance before making a purchase the other day and to my surprise I only had {$20.00} left on my card. The americanexpress.com/XXXX  website actually shows the transaction date, post date, description, reference number and amount of the purchase. There is an unauthorized purchase for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - Purchase ( XXXX ) w/ XXXX XXXX XXXX XXXX that XXXX confirms was not used with my authorization as that card was never added to my XXXX account i have. When reaching out for help on XX/XX/2018 to American Express a representative by the name of XXXX informed me that I must contact the merchant for further resolution as they can not do anything for me. I followed their advise and contacted XXXX which I dealt with for about a month with no results. They informed me that they would not be refunding me any money as the security breach was not on their end so they will not be responsible. I do not feel I nor a third part should be responsible for this! Someone took my money and I want it back! It is as if American Express supports theft and not customer service when it comes to these situations.
There are  Credit reporting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my credit score and cre dit report, and is holding me back from doing things that I need to do.
From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. One of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the US Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.
MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.
We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements. 

On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided. 

On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment. 

All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.
XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE I HAVE NOT OPENED UP ACCOUNT WITH THEM I ADVISED THEM THAT THIS WAS A FRAUD ACCOUNT AND DOES NOT BELONG TO ME
Since XX/XX/XXXX My credit began to loose points for unknown reason. I contacted EQUIFAX 10 times online, to know the reason of the lost. I have 10 confirmation numbers in proof of my requests. The last one suggested me to chat online. I have 4 transcriptions online saying, they can not help. I spent over a month trying to get an answer, but EQUIFAX customer service was unable to provided me with an answer. 
I run my credit on XX/XX/XXXX and my credit scores were correctly reported. I did again on XX/XX/XXXX ( I didn't requests any credit or did nothing financially that can be considered to lower my credit scores ) I requested 10 times in writing an answer online and called over 7 times. But I can show transcriptions that looks as games.. EQUIFAX customer service is one of the worst humiliating experiences I have in this area. Please help me, I need to know the reason why my credit is loosing points. I work very hard to keep an outstanding credit.
denied credit pulled report and found this collection, i had no prior knowledge and was not given a chance to dispute.
I have requested a copy of my credit report and I still have not received the report. I am also unable to create an account through Experian to request a report or a dispute because the information showing on my credit report is so inaccurate that I can not give correct information and create an account. I have left 4 messages on their phone system for a phone call and no call has been returned. I was denied a mortgage loan due to the inaccurate information on my report. XXXX has contacted the lenders and provided me with a copy of all items that are not mine that are reporting on my report. The addresses on my report are not mine either as well as the birthdate. This was discovered the first of XXXX and the file attached was provided the first of XXXX.
I am a XXXX XXXX XXXX former employee XXXX in a position which required XXXX. My personal information was compromised by the breach of data maintained by the XXXX. Chase Bank will not removed {$30000.00} of charges to my credit card fraudulently made by companies by gaining access to my personal financial information on file with XXXX despite my providing them with information that showed : ( 1 ) the companies either did not exist, ( 2 ) I have never traveled outside the U.S but one time since retiring and that was XXXX last year, ( 3 ) the identification of my computer as the source of charges is not a reliable method of personal identification because a individual 's computer IP address may be obtained by a number of ways not at all difficult and used as a mask for the actual computer being used to complete a transaction including making the charge for a service as was the situation in a number of charges where the largest dollar amount and recurring transactions seemed to be coming from XXXX actually from XXXX where I have never visited, ( 4 ) despite being XXXX XXXX XXXX I consider myself of sound mind and find XXXX sites quite offensive and have never and I repeat never, seen or been on such a site in my life and willing to take a lie detector test to prove as much, and ( 5 ) despite my protestation they are adding to my outstanding balance this {$30000.00} without providing me a list of these charges so I can review again with them personally every charge and prove not just by sworn statement but other information and evidence I did not authorize or make any of the disputed charges. The total of these charges ( {$30000.00} ) will cause my credit card to exceed it 's limit which is {$18000.00} because I currently have an outstanding balance of a $ XXXX. This information will be forwarded to the XXXX credit bureaus, reducing my credit score, eliminating some consulting opportunities which I do regularly, and make any new credit impossible to obtain, even to lease a vehicle. This is one of the most egregious actions a bank can take against an individual, erroneous reporting to a credit bureau. Even a man who has XXXX from an XXXX can not wipe this off his credit bureau report and it all starts with the egregious actions of Chase Bank. It seems there is something to be learned from the XXXX XXXX, " XXXX '', first do no harm which financial institutions should be forced to observe
XX/XX/2014 I received a letter from the IRS stating that I owe the agency over {$6000.00}, I ask how, and the representative told my that I have not file my taxes with XXXX company I was working for since XX/XX/XXXX and I ask which company because I know I had never miss filling my taxes. The rep told me that I have been working with a company in XXXX, CT since XXXX. Folks, I have never heard of a City called XXXX and never been there, to cut story short, the representative I was taking with gave me the company name XXXX XXXX XXXX and ask me to XXXX their phone number and I did. 
I called the company and ask that I speak to the HR and told them what was going on, the HR person told me that am crazy and said that am in the garage as we speak working. I demand that she call police immediately and have him arrested she ask me to hold on moments latter a man 's voice on the line whom introduce himself as the manager, I ex [ lain every thing to him and he ask that I fax my government issued I.D to him to prove that I am who I said I am, i drove to the closest library and faxed more than he asked for and he called me XXXX min latter telling me THAT THE INDIVIDUAL WAS PRESENT WORKING AS WE SPEAK, I demand that he call the police and arrest him and he said that he could not do that, that all he could do is to ask him to leave the premises immediately. 
One week latter, I pulled my credit report and found out i WAS IN A MUCH DEEPER HOLE THAN THE IRS $ XXXX 
its been two years since this incident and am still fighting to clear my name. Upon investigation IRS CLEARED ME OF ALL CHARGES though am still owing tow states local TAXAS. Other companies has also deleted all charges including XXXX XXXX AND XXXX. 
*BUT XXXX CREDITOR AND XXXX CREDIT AGENCY REFUSED WHICH BROUGHT ME HERE TODAY. XXXX have refused to delete saying that only the original debt furnisher can ask them to delete. 
* The original debt Furnisher is CONN CREDIT CORP. I have called this company more than 30 times left messages send letters and have not received one response from them. PLEASE HELP ME.
CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and XXXX XXXX just kept piling on fees, so no way I can pay it. I am twice widowed and insolvent. I sent a cease and desist letter to XXXX through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( Admin Recovery/XXXX XXXX XXXX XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXXXXXXXXXX