WillisBack/dataset-financial-user-claim huggingface dataset:
I received an new escrow statement at a time where we were changing insurance companies and disputing taxes  with the county.   In this statement, I was told that I needed to pay a lump sum for shortage or I needed to pay a monthly penalty for shortage.  <P/>  Wells Fargo do es not kno w how to read an escrow account. For three years, I 've received a refund th at I 've turned around and applied to the mortgage. I called to ask why and the person on the other line wanted to argue with me.  <P/> Additionally, they escalated to their management. The  manager  was just as bad as the regular associate. He told me he was going to apply my extra principle payments to my escrow account. I do n't know why they would do this. I advised that I was purposely paying additional principle payments, and no one a  t Wells Fargo had better change these payments.
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I received a letter in the mail from this associate with the same information that 's available on their website. Go figure. I called the number on the letter to get another poorly trained Wells Fargo   associate. This associate did n't want to take care of the problem. He set me up for another call back. I know, right?  <P/> So, this person calls me tonight to again tell  me Wells Fargo i s correct. He wanted to tell me he has all the correct numbers to find out he is completely and undeniably wrong.  <P/>  Wells Fargo  did n't take into consideration my {$600.00} escrow only payment or my {$450.00} escrow payment o n  XX/XX/XXXX  o  r  XX/XX/XXXX   ( give a few days because I pay my mortgage early ). Additionally,  Wells Fargo had  {$930.00} insurance ( ap prox ) and {$4400.00} taxes ( approx ).   Both of these numbers are wrong. Because of the mistake at the  auditor, my in surance company miscalculated my annual premium. They had to request and adjustment. The adjustment was sent to  Wells Fargo. I have n ot seen a statement with the corrected numbers. The taxes were also updated to approx {$4000.00}. The auitor did not realize we had  a 3 car gara ge and thought we had a finished basement. I tried to communica te this to Wells Fargo, but t hey are not too educated.  <P/> My taxes are due   XX/XX/XXXX  and  XX/XX/XXXX  every y ear, and my insurance is due  XX/XX/XXXX  every year. With that said, I 've calculated my payments going forward for the next 20 years, and my escrow account does not show negative or within 2 months ( {$900.0 0} ) du ring this 20 year period. Of course, I do n't know what the value of my house or insurance will be from year to year. I have some cushion though for the possible increase.  <P/> I would n't be so unhappy i f Wells Fargo was  In the ballpark. They are not.
No problems accessing XXXX or XXXX annual credit reports through XXXX. However for the last 3 years I have been unable to access my report from Experian. Each time I get the message " A condition exists that prevents Experian from being able to accept your request at this time. '' Searching online, I see many others have the same problem.
Servicer working on short sale is using fraudulent evaluations. 
When dispute is forwarded with clear and convincing support for lower values, they fail to cooperate. 
This property is facing foreclosure and they will wind up taking the property back at a foreclosure sale. 
They have not communicated with us and have failed to cooperate in an honest and sincere way.
I have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.
I have tried to work with XXXX XXXX, XXXX  and Experian for over a year. 

They refuse to investigate and acknowledge the letter form the US Federal Court.
I found a collection account for medical on my credit report that I have never been to this urgent care. I completed a dispute on XX/XX/XXXX to all Credit Bureaus and XXXX XXXX and XXXX investigated and removed. I submitted to Equifax and have received more that 15 emails stating its resolved to check dispute. When I check Equifax the same message comes up their not able to handle my request. I submitted an email to their customer care on XX/XX/XXXXand received an email on XX/XX/XXXX stating Equifax was aware of the issue and sorry for the inconvenience and gave me the link to check the dispute. I replied and no response. I received more dispute complete emails and still unable to view the dispute and its still on my Equifax report. I then received and email on XX/XX/XXXX that my case was completed regarding the dispute error and nothing has been resolved. 
I was paying for Equifax service as well due to their Data Breach and this is the service we receive.
on XXXX XXXX, XXXX they charged me a debit adjustment fee of {$95.00}. I called the PNC Bank the same day to see why. They said that when I went to the Atm machine XXXX/XXXX/XXXX and withdrew {$55.00} I took out {$150.00} instead and that they had it on video. I told them that before I left I counted my money and that I received a total of {$55.00} and not the {$150.00}. They then told me that the person who puts the money into the Atm machine had put the {$20.00} bills in the {$1.00} slot and the {$1.00} in the {$20.00} slot and did not make sure the money was in its correct slot. I spoke to a manager in the store about the problem and she also told me that this had happened to someone else that same day. I called customer to speak to the escalating team because the dispute team denied my dispute. And the escalating team said they are just waiting on the video from the dispute team. On XXXX/XXXX/XXXX the dispute team gave me provisional credit for the {$95.00}. Then on XXXX/XXXX/XXXX they took the provisional credit back. Then on XXXX/XXXX/XXXX they sent me a letter in the mail stating that they credit my account the {$95.00} back. However the funds has not been credited back into my account. I have tried my best to be patient with the dispute and escalating team but they still have not resolved the problem.
I did n't apply for these loans the o ugh Navient. The school filled out all of the papers and we were told to sign. They purposely defrauded the students.
Navient is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XXXX however the status has not been updated to 'permanent ' after XXXX years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.
3 years ago we moved and our final bill was paid to XXXX. A few months later I received a bill from a collection agency in the amount of {$280.00} on behalf of XXXX. I immediately contacted them and told them I paid this to XXXX. Back and forth between them and XXXX, XXXX states they did not receive my last payment. At that point I paid this to XXXX XXXX XXXX. It is still showing as a collection account and the terms are showing one month. My wife keeps calling this company asking them to remove this and they keep shutting her down and stating you knew you were calling a collection agency and you paid a collection agency! We paid it because we had no choice because XXXX asked us to. My wife was told this account was not being reported because it was less than a month. We paid this account immediately when we found this error. This is hindering my ability to obtain a mortgage all over {$280.00}! I need this removed and I can not get anywhere with this company. They are ignorant and treat my wife like she is a low life who does not pay the bills. I do not have any other negative information on my credit report but this. It has been 3 years and they are still reporting negative information all for {$280.00} that was paid immediately.
I was not even aware of the transition from XXXX XXXX now to Naviet. After realizing all of the interest that has increased and how much it was impacting my credit and progress, I signed up for a repayment plan for about a year now and my overall payment has not decreased. I feel like I was cheated, I have XXXX loans and I still ca n't seem to figure out why the balance is as high as before I started making payments just to keep it from reporting negatively on my report.
Equifax did not take the proper steps to protect my personally identifiable information contained in my credit report. As a result, my SSN, DoB and full address have been compromised by malicious actors. Equifax did not take seriously their security responsibilities and now up to 143 million Americans may suffer as a result. Equifax must be held accountable for this lack of security and issue appropriate compensation to all affected parties.
I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.
Recently I stayed at a hotel in XXXX XXXX. The hotel generated XXXX authorizations from the American Express Serve Card, XXXX for {$310.00}, XXXX for {$90.00}, XXXX for {$180.00}, and XXXX for {$23.00}. Upon settlement with the hotel, I was billed XXXX for the XXXX authorization and XXXX for the XXXX authorization, which left a XXXX balance with the hotel. The XXXX authorization and the XXXX authorization remain on my Serve account, which went into a negative balance. After a direct deposit was processed XXXX dollars of my money is inaccessible. 
After contacting the hotel, the hotel contacted their third party credit card processor, XXXX and XXXX XXXX. The third party processors had no record of the remaining pending authorizations, they were cleared from their system after the hotel was paid in full. 
American Express Serve, however, continues to hold the money, and states that they can not remove the authorizations manually. American Express Serve also states that these " orphaned '' authorizations will drop off systematically after 30 calendar days. 
The hotel has contacted American Express and requested that they clear the authorizations, which American Express stated they did. Yet, the Serve account still shows the holds in place. 
American Express Serve states that they are powerless to rectify the circumstance, and that I will just have to wait until XX/XX/XXXX to regain access to my money.
ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims 609 ( a1 ) ( e2 ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : THE XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.
I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled 1x. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled one time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???
I never received a bill from XXXX XXXX credit card company. They then closed my account but continued charging me fees. I paid the original amount due. My bank cashed a check in the amount of {$52.00} on XX/XX/, 2018. They ( XXXX XXXX ) sold this note to another company. That company ( Resurgent Capital Services ) failed to do anything to resolve this issue and refuses to acknowledge that I paid anything to XXXX XXXX even though I got a letter from my bank confirming the payment. Resurgent continues to pursue me and refuses to take this off of my credit report.
recently, transunion made a reccomendation on my credit file not sure if they benefit from people getting new accounts or not .any way there reccommendation was for me to transfer my XXXX credit card XXXX saying it would save me money .there was no way for me me to check who the bank was i assumed cause they reccommended it that they researched it .after opening new card i go to transfer my balance they contacted me saying they we 're unable to transfer from one XXXX to another .i could n't close the account because it would hurt my account i called trans union XXXX call told guy hoping he was writing it down /putting in the computer i asked him he said no i asked if there was an XXXX speaking person cause i could n't understand him he said no .he gave me a fax which was n't working.i called back a XXXX answered again told her again no resolve .i was just trying to tell them that the reccommendations they make are false and to put up that on thier site to tell people because thier information hurts people credit
Navient is supposed to have my XXXX XXXX XXXX loans set to enhanced PAYE so my loans are forgiven after 20 years but after several phone calls over several months my loans are still not corrected. Every time I call I get a different story.
I am filing this complaint in regards to the Equifax data breach on XXXX XXXX 2017. After checking their website I discovered that I am one of the individuals affected by the data breach. Any company that holds that much information about citizens should be held to the highest level of accountability when an incident like this occurs.
I have foreclosure that took place 4 years ago and is complete. The servicer OCWEN shows the issue as current and that I am XXXX behind in payments. After contacting a mortgage company I am told it is still listed as a current debt and not in history section and causing additional stress on my score. I wish to have it properly listed in the history and not as a current debt.
Someone called me from Regional Acquisitions Group named XXXX XXXX, claiming that I owe {$1300.00} from an overdraft from XXXX ( he was unsure of the date ) he said from XXXX and that a group of lawyers has now been assigned to use their legal powers to seek judgment against me. He stated that he was able to reduce the debt to {$620.00} if I were willing to pay him, saving me money and going to court. I then said where can I call you at and he stated I could call him at XXXX.
According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX   XXXX XXXX Account # XXXX CONTACT INFORMATION Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This account is reporting as a charge off and this account is not charged off and the credit agreed to remove it off my credit report. Please remove it off my credit report as this account is in error and does not belong to me XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX  XXXX/XXXX   Account # XXXX CONTACT INFORMATION XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX, OH XXXX This account states that I was 30 days late on XX/XX/XXXX, and XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report XXXX XXXX XXXX Account # XXXX CONTACT INFORMATION XXXX. XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX This account states that I was 30 days late on XX/XX/XXXX however I was never 30 days late on this account and the creditor has agreed to remove this late payment but has still not removed it. Please remove this 30 day late off of my credit report
In 2010 I defaulted on a credit card balance to Chase Bank. The bank unsuccessfully tried several means by which to collect and after several years sent me a XXXX form for debt forgiveness and I paid income taxes on the implied earnings. For some reason XXXX XXXX XXXX XXXX XXXX did n't get the memo and is trying to collect. Each time XXXX these collection agencies buys defaulted loans there is a credit check and my credit scoring never seems to recover despite the fact that it has been almost six years since the original default occured.
My loan was sold to Specialized loan servicing from XXXX. I had filed bankruptcy as a defense of the sale of my home and that is when the mortgage was transferred. The bankuptcy was dismissed because the payments were very high can could not be maintained. Specialized Loan servicing informed me that I could make the payments to them regardless of the bankruptcy. I paid the XX/XX/XXXX and the XX/XX/XXXX however, when I called to make the XXXX payment I was informed I had to bring the loan current. They refused to take any more payments from me. I attempted 4 times during the XXXX to obtain a modification and SLS would tell me that the payment plan did not work out and the interest rate could not be changed. I have an adjustable rate mortgage with an arm and felt that explanation was not credible. 

Over the months of receiving the modification packages they never told me they were not authorized until XX/XX/XXXX. For the entire SLS held the mortgage hostage with the intent of foreclosing to gain the equity in the home. I went to the NC hardest hit funds and was told that I qualify for funding but I had to come up with " Gap '' funds so I went to my credit union paid for an appraisal and qualified for the funds only to be told they would not extend the dollars to me because I was taking a HELOC. I have al lthe written correspondance that supports each and everything I have said. 

I need help saving my home..I have lived here for almost 19 years. My daughter was raised in this home and it would be very traumatic for her to be uprooted given she suffered a XXXX break in XX/XX/XXXX and she is recovering here in the home. I work full time and I can afford to pay my mortgage if they would reinstate the mortgage, I have spoken with XXXX XXXX as they are the owners/ investor of the loan however, they have denied having the authority to modify the loan as well. This is my only home and when the default occurred I owed XXXX but it is much higher due to interest and fees that have been applied. fees.
This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX
XXXX XXXX XXXX XXXX XXXX XXXX issued a garnisment of my wages in XX/XX/XXXX. They have been taking 15 % of my income since then. At one point they offered a repayment option to stop the garnishment ( XX/XX/XXXX I think ). However that repayment plan had a clause that said if you were late with XXXX payment you were back in default. I opted not to take the plan. In XX/XX/XXXX my employer took out the last payment to Great lakes. On XX/XX/XXXX I got a letter stating I still owed them another {$3000.00}. ( The amount has actually gone up since the date of their letter. ) The original garnishment was for {$20000.00}. Since then I have paid them roughly {$22000.00} and now they want XXXX more for a total of approx {$25000.00}. ( It will actually be higher as they are adding XXXX plus dollars to the bill every month ) I can not make my house payment and other monthly bills going forward as they are taking XXXX dollars from each paycheck.