WillisBack/dataset-financial-user-claim huggingface dataset:
Hi. My name is XXXX XXXX. I have recently learned I've been a victim of identity fraud. Someone has been using my name and social security number. opened a XXXX   XXXX Account from XX/XX/XXXX-XX/XX/XXXX. I have filed a police report against this delinquent account. 
I have also seem to have taken a loan in XX/XX/XXXX for a school by the name of XXXX XXXX XXXX that is no longer open and there is no information that could be given. this student loan have been dragging my credit for the past years for a delinquent account in which i do not feel responsible for. i did not receive these services. 
My last income federal tax was garnished due to this delinquent account. and i have no where to dispute this since school no longer exists.
I was never even made aware of income driven repayment options. Now my student loans are double the principle. I am hounded multiple times a day by Navient.
This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package XXXX. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX XXXX sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.
I signed a mortgage loan agreement to pay {$2200.00} a month ( signed XXXX 2015 ) with XXXX XXXX. This included payment for Home owners Ins. ( XXXX. ) and XXXX Ins. ( XXXX ). I have paid all of my monthly payments early and over and above what is required. Then Roundpoint Mortgage took over the loan at some point. I have paid Roundpoint early and above the {$2200.00}. Recently I became aware ( through my online account ) without written notice or written explanation from Roundpoint that my new monthly bill would be {$2400.00} a month, and increase of {$120.00}. I spoke to XXXX XXXX, supervisor at Roundpoint, who stated that because Roundpoint did not take into consideration the XXXX Ins. ( XXXX ) cost into account for Escrow that there was a shortage and I would have to pay that shortage. I can understand an increase in insurance costs per month maybe being {$60.00} or so, but to increase monthly payment to {$120.00} to no fault of the customer is not right. I want to pay what I signed up to pay {$2200.00} a month or close to it at least. {$120.00} increase is alot for a family of XXXX and not fair with out notice.
They was suppose to send me a new card and it never came and they wo n't re activate my old. My car insurance will cancel tomorrow my rent late.
I have 2 loans with City National Bank, and have been paying on these loans for many years. In XXXX of XXXX, I sent payment as usual to City National Bank on the XXXX of the month, and for some reason they claim that they did not receive it until the XXXX, and charged me a late fee of {$220.00}, and I contacted XXXX XXXX, Relationship Officer, and was told that it is not their problem but a issue with post office. The late fee is charged after the XXXX of each month, and since the payment is being sent from XXXX XXXX to XXXX XXXX, as always, believed that there should not be an issue. 
This month, XXXX, I sent payment on this same loan on the XXXX, and the payment was posted on the XXXX, with a holiday in between ( XXXX XXXX ), and do not understand why the payment was posted in a reasonable time frame with a holiday? 
I then sent payment on the other loan on the XXXX of XXXX, and they claim that it was not received until the XXXX, which again does not make sense since the other loan was received within 5 days with a holiday, and they want to charge me a late charge again, now on the other loan. I contacted them on the eve of the XXXX to see why it had not been received, and they did not respond. 
I have contacted XXXX XXXX, customer service, and XXXX XXXX ( supervisor for XXXX XXXX ), and they tell me that it is my fault and the postal service. I have been paying the same on these loans for 8-10 years, and yet they give me no courtesy on this situation and I can not continue to be paying late fees on these loans. 
I am sure this is happening to other consumers, and is not fair lending practice to not apply payments in a timely fashion. I would like someone to look into this practice, as I have other loans and do not have any issue with any other lender besides City National Bank.
PREDATORY LENDING VIOLATION TO THE ELDERLY VIA TELEMARKETING. CT HAS A PREDATORY LENDING LAW THAT WAS TOTALLY IGNORED BY THE  TELEMARKETERS : XXXX XXXX & XXXX XXXX. I KEEP ASKING WELLS FARGO FOR THE TRANSCRIPT FROM THE TELEMARKETERS 7 MANY, MANY OTHER QUESTIONS THAT THEY REFUSE TO ANSWER. MY PARENTS HOME WAS QUIT CLAIMED TO ME & IS WHERE I RESIDE AND HAVE RESIDED OFF & ON SINCE 1957. IN CT WHEN PEOPLE MY PARENT 'S AGE APPLY FOR A REVERSE MTG. THE REVERSE CO. WILL NOT COMPLY UNLESS AN ATTY REPRESENT THE BORROWERS. THEY UNDERSTAND THE CONSEQUENCES OF TRYING TO SCAM THE ELDERLY. WHY DIDN'T XXXX A.K.A. WELLS FARGO OFFER MY PARENTS AN ATTY? LOOKING AT MY MOTHERS ' SIGNATURE IT IS WEAK & XXXX A SIGN OF XXXX. MY FATHER PRINTED HIS NAME WHERE IT STATES TO SIGN & SIGN WHERE IT STATES TO PRINT. XXXX A.K.A. WELLS FARGO TOOK ADVANTAGE OF A CONFUSED ELDERLY COUPLE & THAT IS A VIOLATION OF CT PREDATORY LENDING.
Starting XX/XX/2018, this company has started harrassing me at work. They are calling my employer phone number and could possibly cause me to lose my job! I called and told her to remove my name and stop the work calls IMMEDIATELY! She told me she would do that. 

XXXX XXXX is the company. 
Agent identified herself as XXXX XXXX ( sp? ) phone number XXXX She stated this is regarding my department of education student loans. I am currently in a deferment period with them.
XXXX XXXX SOLD MY MORTGAGE LOAN # XXXX TO THE BANK OF NEW YORK MELLON. I DO NOT KNOW WHEN THIS HAPPENED AND I WANT TO KNOW.I HAVE NEVER RECEIVED ANYTHING FROM EITHER BANK STATING THIS.YOU CAN NOT CALL THE BANK OF NEW YORK MELLON ONLY EMAIL. I WANT INFORMATION IN WRITING AND I WANT AN ANSWER
Bonneville contacted me by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had agreed to set up payment IF I received information regarding the debt for my record keeping purposes and I did send in one payment in XX/XX/XXXX before I received any information. AS of today, I have not received any mail notifications, and I have been on the lookout for them. I spoke with Bonneville today and again requested a copy of a statement but the agent continue to steer the conversation to making payment arrangements, which I believe is unfair. You have stated that the notices have been mailed but I receive mail every day and there is nothing from Bonneville. Provided address to agent in XX/XX/XXXX and as of XX/XX/2017. The agent kept steering me to set a payment and even told me that now that I am behind the monthly total is raised {$3.00} more dollars. I kept steering back to getting a copy of a statement. This is needed for me to know where the initial total is so when payments are made I can calculate owing.
I had fraud accounts on my credit report and I informed Experian several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 


Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Reason for disputing : Fraud Account, I contacted the XXXX  XXXX XXXX and said they cleared me from responsibility on this account however Experian is still reporting this account Account Name XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Account Name XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. 

Fraud Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to XXXX XXXX. Both companies have yet to provide any validation bearing my signiture. After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
I have had a loan with Plaza home mortgage for several years. I recently sent a check to pay off the loan. The check was returned with a letter that states that they do not accept personal checks for final loan payment. The letter also stated that I was continuing to be charged interest on the loan. I also have a late fee because I did not make my payment on time. 
I have asked to have a copy of the loan contract that I signed stating that they will not accept a personal check for final payment. Phone conversations got me no where and I was told that there is no document that I signed that would make this statement.
I had a savings and checking account with Huntington Bank for the last 6 years. I was victimized by a scam artistic who got my email address from previous professional shops I had completed. Nevertheless, they wrote me a fraudulent check which I had no idea it was a bad check. I immediately contacted my local authorities since my checking account had been compromised. Huntington closed my account after the fraudulent check was deposited. I am the one who had been victimized. I was informed that I could no longer have an account with Huntington after I am the one who reported the bad check. Thus reporting the scam artistic to the authorities showing the various emails to my local police. The police file number is XXXX. I am requesting that a new checking account be able to be opened. Since I still have a savings account with Huntington. 

Thank you for reviewing this complaint.
Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial.
I applied for an amazon  Visa by Chase o n the  Amazon Website.  On t he Amazon Website th e interest rate stated was 14.99 to 22.99 % depending on credit worthiness. I have a  XXXX   Credit Score.  I was approved for a card with the highest possible interest on the card. I called Chase to ask about the interest rate and they told me that was the lowest possible rate for this  Amazon Visa ca rd. I asked about why the  Amazon Site says 14.99 to 22.99 r ate, and was told that 22.99 % was the rate for this card. Had I known the only rate was 22.99 %, I would never have applied for this card. The offer on the Amazon website for this card is misleading if they will only issue a card at 22.99 % instead of a range between 14.99 and 22.99 %. You do not know what rate you will be given until you have completed the application and submitted. This seems misleading to the consumer. Thank you.
I was hired to list and sell my clients house as a short sale. After obtaining all of the documentation to submit a short sale package to both lien holders the 2nd lien holder United Guarantee ( AKA- XXXX MI ) asked for my letter of authorization in order to discuss a short sale review. After submitting the offer, letter of authorization and closing disclosure i received an email from a XXXX XXXX who simply stated he declined in participating in a short sale for the client. 
The first lien holder has accepted their package for review, and the 2nd would not even look at the request for modification of the original loan to do a short sale.. They would not look at any of the seller financials or requests made for a review. XXXX XXXX just sent me an email declining participation with no review.
XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX bank sent in theft report and XXXX have not removed yet. 
XXXX XXXX is a result of fraudulent account and XXXX have not removed yet. 

XXXX  Bank is a result of fraudulent account and XXXX  have not removed yet. 

XXXX XXXX bank is result of fraudulent account and XXXX have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
On XX/XX/2018 XXXX XXXX  sent a check in the amount of {$55000.00} to pay off our son 's student loans. The check was made payable to XXXX XXXX in the said above amount and deposited on XX/XX/2018. We have a copy of the check that was sent showing it was deposited. We are getting collection notices, and they are adding interest to the amount. They ( XXXX  XXXX ) can not find where the money was applied to. 

We called and talked to a XXXX ( Call center rep ) # XXXX who did not have a clue. I asked to speak to a supervisor. I spoke with a supervisor named XXXX # XXXX who also could not find out with happened to our payment. 

Could someone please help us with this problem.
I got notice to vacate the house I was renting because the owner was selling. I had 30 days to find a place and move. I didn't have the money for a security deposit or for moving. I was scared to death. I decided to take out a small loan so that I would not wind up homeless. I got an email from MitigCapital offering me a loan. I called them in tears and explained my situation. They offered me {$970.00}. They did not tell me that I would be paying it back @ {$290.00} every other week for 18 payments. That the interest was 643.71 % or that I would be paying {$4300.00} in finance charges. I would NEVER EVER have agreed to this. I signed the loan documents without first taking the time to read the fine print. That was my mistake I know. I am XXXX years old, single, in poor health and can not see to read without my glasses And I could not find my glasses and did not want to tell them to wait in case they changed their mind. I called today because they had taken out a payment 2 weeks ago and today another. That's when I found out they would be taking {$290.00} from my account every payday for18 payments. I can not possibly pay this. It will leave me with no money for food, rent etc. I live on a shoestring as it is. I explained this to the woman and she said " you should have read the loan documents. You signed them and that's just the way it is ''. I don't know what to do now. I am considering quitting my job, closing my bank account and going homeless so they can't find me. I am terrified. Please help!
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SCA Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX RE : XXXX XXXX XXXX ( {$63.00} ) To Whom It May Concern : This letter is regarding XXXX XXXX XXXX, which you claim I owe {$63.00}. This is a formal letter that your claim is disputed.

By not replying in a timely manner to my initial letter onXX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies. ( 15 U.S.C. 168s-2 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in small claims action against your company.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

I sent SCA a certified letter onXX/XX/XXXX, which was received and signed for onXX/XX/XXXX. They never reported to any consumer reporting agency that this account was in dispute. According to the FCRA & FDCPA, SCA had 30 days to report this dispute and they did not. Therefore, they must remove this item from my credit report immediately.
On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.
I have a Home equity line of credit with PNC Bank. The minimum payment increased 30 % from XXXX to XXXX. The current balance is {$22000.00}. The new minimum payment is {$450.00}. There are 86 months left on the repayment. If I would make the required minimum payment, the loan would pay off in 55 months. I typically pay more than the minimum but i should have the payment flexibility agreed to in the original note. 

PNC could not give me an adequate reason why I am not afforded the entire repayment term
i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!
Chase Bank is reporting a negative charge off account on my credit report. I have never owned this account and I am not sure why it is on my credit report. I tried disputing this debt with the credit bureaus and I have not seen results. Please look into this account. 
I look forward to hearing back from you.
On XX/XX/2018 I received a call from Navient stating I had a past due amount of {$200.00} and I could set up an auto pay that would bring the loan current and cover my XXXX payment making my next payment at the end of XXXX. I made the payment the next week and thought I set up auto pay and would be fine. Today, XX/XX/2018 I receive another call from Navient saying I am {$400.00} past due and asking for a payment. I explain the situation to the gentleman that called and he immediately starts telling me I have no idea what I'm talking about and he does, I am wrong and he is right. He was very combative with no provocation. I again tried to explain the situation to no avail and asked for a manager. The lady I spoke with was very nice and explained that the payment was incorrectly applied and I was not entered into the auto pay program and that I still owed {$200.00} at minimum. She said that it was my fault my payment was not correctly processed and that I would have to try to set it up again. I have done everything I can to take care of this loan and Navient makes it harder and harder every time I speak to them.
This is in regards to the equifax hack. I have been notified that my information HAS been compromised. Their laziness when it comes to security makes the fault theirs.