WillisBack/dataset-financial-user-claim huggingface dataset:
We had a modification plan and an agreement with the prior lender just before this loan was assigned to another lender, which engaged Specialized Loan Services to service the mortgage. SLS ignored the agreed modification amount and demanded a higher amount. We paid that amount rather than go into default. Now, SLS has increased the mortage without explanation by more than {$460.00} a month. 
In a statement dated XXXX/XXXX/2016, SLS without explanation increased monthly mortgage payments to {$1700.00} ( XXXX ) from {$1200.00} ( XXXX ), an increase of {$460.00} ( XXXX ). Before SLS began servicing this loan I had executed a modification plan with XXXX, the original owners of the above mortgage loan, in which I was to pay {$1100.00} ( XXXX ) monthly. After it began servicing the loan, SLS ignored the terms of the modification agreement and increased my monthly payments to {$1200.00} ( XXXX ). After that increase, I spoke with SLS representatives for weeks and remained confused about how payments to SLS were credited to my account. To date, I have gotten conflicting and confusing answers from SLS representatives. 

My total annual Real Estate County Tax payments is {$6100.00} ( XXXX ) ; total annual homeowners insurance is {$2300.00} ( XXXX ), for a total of {$8500.00} ( XXXX ). The escrow increase of {$460.00} a month amounts to an annual amount of {$5500.00} ( XXXX ). My current escrow payment is {$550.00} ( XXXX ) a month or {$6600.00} ( XXXX ) a year. Added together, the escrow increase by SLS amounts to {$12000.00} ( XXXX ) to cover expenses of {$8500.00}.
We were contacted via mail and phone that we had failed to pay our XXXX 2015 mortgage payment. We advised that we had made said payment and faxed a copy of our bank activity print out to confirm that the payment had been sent, received and deposited. A few days later we were contacted again demanding payment and they had no record of a fax being received. We were told to contact another party to handle the missing payment and fax. When asked to be transferred to her desk/office ; we were told that she as unavailable and to leave a message. As of this date our messages have not been returned. Again we were contacted via phone and sent correspondence of our failure to pay XXXX 's payment. Again we advised that our payment had been sent electronically and we had our bank statement to verify same. We were given a address to mail the copies of our bank statement ; to which we complied. Again we were called and contacted via mail that we were in default and we had failed to make our payment. We advised that we had not only mailed a copy of the electronic check but had mailed a copy of our bank statement verifying that the payment had been made and received. 
On XXXX, we received a packet requesting that we fill out for third party authorization and assistance on our loan per our request for same. At no time have we made such a request. We have had nothing but trouble with this company since our loan/mortgage was sold. We have never failed to make our mortgage payment to Carrington or to XXXX and to have our mortgage sold to a what is nothing more than a collection agency that has numerous complaints for its deceptive practices is alarming. 
In addition, Carrington failed to pay out property taxes but insisted that they had ; it took 2 months to resolve this issue before the taxes were paid with a penalty. 
This company has sent written notice of its intent to pursue other action and to report this as a negative on our credit report. 
It should also be noted that our bank has also sent documentation/verification to Carrington that the payment was sent, received and deposited. 
After filing a complaint with BBB, we received written notice of intent to foreclose on our home. The correspondence stated again that we had failed to pay XX/XX/XXXX payment. Today we received documentation advising us of our rights under the Servicemembers Civil Relief Act. When will this nightmare end! We have done everything that has been asked and provided documentation that our payment was made. I want credit for my payment, removal of all late fees and charges and all if any negative information sent to any credit bureau be retracted/removed immediately. 

Based on this company 's history ; it should be investigated by the Attorney Generals Office, Federal Reserve, Federal Trade Commission and the FBI. We intend to file a complaint with each agency and legal litigation unless this is resolved
I was one of the millions of people whose identity may have been compromised by the Equifax breach. As a result, I was given free credit protection through XXXX XXXX, a division of Equifax. Today, I received a text from them asking me to contact them immediately regarding " activity needing my attention ''. They gave their web address and a phone number. I first went to the web and they are having problems with the site and appreciate my patience. I then called the phone number provided and got a busy signal on three attempts. When I finally got through, I was left on hold for 15 minutes and then disconnected. 

This " free '' service that Equifax provided is worth exactly what I paid for it ... ..nothing! They need to offer consumers whose data was compromised a credit monitoring service that works, like XXXX and pay for each consumer 's membership.
I have three unauthorized credit inquiries on my Equifax credit report. One unauthorized inquiry is from XXXX dated XXXX/XXXX/XXXX. The other two inquiries are from XXXX. One inquiry is dated XXXX/XXXX/XXXX and the other is dated XXXX/XXXX/XXXX. I did not request theses credit inquiries from these two online/mail order clothing companies.I already have credit cards with XXXX and XXXX. I also contacted XXXX and XXXX and spoke to customer service representatives and they stated that they have no records of the credit inquiries that are on my Equifax credit report. I do not know why theses hard inquiries are appearing on my Equifax credit report when I did not request theses hard inquiries. I did not ask for credit card increases neither because XXXX and XXXX periodically give credit card increases. I want theses three credit inquiries removed from my Equifax credit report. Equifax has not removed theses three credit inquiries after I dispute this with them two times.
I 've never had XXXX. The services were turned on without my knowledge or consent. I 've been fighting about this bill for a long time now. Previous to speaking with ERC I had been dealing with another agency called XXXX XXXX. I told XXXX XXXX that I was disputing the bill, XXXX XXXX deleted the trade line from my credit on XXXX/XXXX/16 but then on XXXX/XXXX/16 I found the account re-reported by another agency, ERC. I called ERC today, XXXX/XXXX/16 and let the rep I spoke to know that I did n't get a first notice, she confirmed they had part of my address incorrect and confirmed will resend me a letter. I do n't need a " balance due '' notice, I need a validation notice showing me where I can dispute this account, and how I can obtain validation of this debt. The rep I spoke to told me that Yes I can dispute this account over the phone and she confirmed that my dispute will be forwarded to XXXX for their review, however she told me that a request for validation must be made in writing. Again, I do n't have a first notice so I 'm unable to do so until I get that. At this point, I am beyond frustrated with XXXX and these collection agencies. This has greatly affected my credit and no one has been able to prove to me that it 's my debt. I do n't understand how/why these agencies can report this to my credit and pursue me for a bill that they can not prove is mine. I 'm going to hire an attorney if XXXX wo n't permanently delete this from my credit and stop billing me for this account.
Information on my Equifax report was reportedly leaked to individuals without my consent. I was made aware by a press release on X/X/17.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

chase opened XX/XX/XXXX closed XX/XX/XXXX chase   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )
I had never been informed of income driven repayment or even a suggestion to talk to my accountant about filing separately from my husband so only my income would be considered. There is no way we can move forward in our life financially with me paying over half of my monthly income towards Navient. He pays all of the normal household bills and I take care of my student loans, however we are unable to apply for a mortgage due to my massive student loan debt taking a large chunk of my income. As a result almost all of my other loan repayments are delinquent or nonexistent. I was also never informed my cosigner could be released. When I would call to try to lower my payment, I was talked into a forbearance and now owe about XXXX additional due to this misguided information.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
I have received a notice from   XXXX   today that a negative issue has affected my perfect  credit score. Evid ently, a " Walmart Credit Card '' was opened in my name with a balance of {$600.00} due. This has now been reported on my  credit score -- which contains ALL accounts which are not only NEVER LATE but have NEVER CARRIED A BALANCE. I have no idea how someone could have opened an account with my information? This is very troubling to me, as I have several credit cards and perfect credit. Someone from this " Walmart Credit Card '' was calling me a few months ago and leaving messages. I in fact, called this number back only to get an answering machine with a LOOP in the message tree. I then reported this phone number to the Do Not Call List and in searching online found that several other people have also reported the number because of someone calling about an unknown " Walmart Credit Card. '' This is very troubling and I hope that someone looks into this carefully to see what is going on.      I will absolutely legal pursue damages against this company if this is not resolved readily.
I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery
XXXX, ok XXXX mortgage loan # XXXX i want nationstar mortgage to stop charging me private mortgage insurance on my monthly mortgage payments from here on out ...
On  XXXX   XXXX ,  XXXX  Chase bank unilaterally closed my checking account which I opened in  XXXX  and had used continuously since that time. No notification was received. On  XXXX   XXXX  I received a cashier 's check from  Chase  containing a cashier 's check for the balance in my account on  XXXX   XXXX ,  XXXX .   I called the Chase online number to determine why my account was closed and was told to go to my local branch. I went to my local branch and asked a customer service agent why my account had been closed. She spent about an hour on the phone with various   Chase representatives without receiving an answer. She then elevated the problem to " The Executive Level '' which she said she 's only done once before in her 10 year career there.
I received a message from a representative in the executive department and called back. I was told that my account was closed because the bank " needed more informa  tion ''. When I told her that I had no chance to respond and did n't know what information they needed, she responded that the Bank had sent me letters requesting information in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .   I told her that I had not received any such letters and that this did n't make any sense since they 'd closed my account in  XXXX , why would they be sending me a letter requesting information in  XXXX  after already closing my account.   I then asked for the details on what information was needed. The agent was unable to provide an answer. I asked for copies of the alleged letters that had been sent and again the agent was unable to produce them. I was told that under the terms of my account, the bank could close my account whenever it wanted for any reason so having the letters really did n't matter. I told the agent that it did matter because she was supplying me false information and then unless she could produce the letters it was clear that this was fraudulent. I was directed to return to my local branch.   I went back to the local branch and attempted to cash the cashier 's check at that Chase Bank and was told it would n't be honored because my account had been closed.   Are you beg  inning to see the irony here?
I then engaged the Manager who was familiar with my prior attempts to obtain information and said that she would do her best to try to get to the bottom of this problem. After spending about 1-1/2   hours on the phone with various departments withi n Chase, she filed a complaint with Chase for me and told me that the only way she knew for me to get my money and get my Chase cashier 's check cashed was to open a new checking account, deposit the check, take all of the funds  out, and then close the account. She was very apologetic and said she was very sorry but just could n't find any other way out.   Is this ludicrous or what? The bank closes my account without notice, provides me a cashier 's check for the balance but then wo n't honor it because my account 's been closed for some reason that they refuse to tell me.
I mail a package to Experian because there are discrepancies in my credit report. In that package I mail a police report, a Identity Theft Victim 's Complaint and Affidavit that has been notarized, a document from the US Supreme court, and a name change with the supreme court. XXXX the representative stated that those documents were NOT sufficient and she ( XXXX ) and her department will NOT USE THEM. I contact the police department in XXXX county and the police officer XXXX over the phone explain that the " incident report '' and the police report are the same thing, that it was up to the police report at the time to choose how to file. She also stated that the " notoriety '' was insufficient and refuse to use these documents. In page 7 of the police report states that it can be sing in the presence of a law enforcement officer, a notary or a witness. She REFUSE TO TAKE ANY OF THESE LEGAL DOCUMENT. Stated that those were insufficient. She was yelling at me on the phone, talking over me and I let her know I do not want to speak with you I wold like to speak with your supervisor she stated they did not had any and I requested to be transfer to one. She put me on hold for over and hour. I also included documents form the US Supreme court and she also did not accept those. TWO other companies, XXXX and XXXX never had any issues with these LEGAL documents. I have contact my Attorney General office and they stated those document are sufficient. They have INCORRECT NAMES, ADDRESSES, COLLECTION THAT ARE NOT MINE. I HAVE SEND THE DOCUMENTS THAT PROVE MY NAME CHANGE WITH A US DISTRICT COURT AND POLICE REPORT AND THE IDENTITY THEFT VICTIMS COMPLAIN AND AFFIDAVIT.
Account brokers of XXXX county picked up a debt of medical bills that my insurance was suppose to pay but did n't. The bill was under XXXX dollars but they sued me for it and added XXXX dollars for that. That increased the debt to over XXXX dollars with interest I paid them XXXX dollars then about a month and a half later they send out a wage garnishment and added XXXX dollars for that even though I was paying then. The garnishment paperwork says they are now coming after over XXXX dollars off my wife 's wages!
FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.
American Express w as contacted on   X/XX/17  to dispute a transaction made for {$170.00} on   X/X/17      as the replacement device I paid for had not  been received from  XXXX   XXXX . On   X/X/17   I contacted Amexto on the status of the dispute and to confirm that my documents were received. At that time I was informed my claim was closed but reopened o n  X/X/17 . H owever the supervisor went on to say he did n't see it open in another system. He was concerned and was unsure. He stated that he would need to contact disputes and that someone would get back to me. I told him I had a concern with the information pertaining to the date as it causes a conflict on when the dispute started. Although I did not receive any contact on my reason for calling. I did receive an email  on  X/X/17  from Am  ex stating  my dispute documents had been received and that I would receive a response on the dispute no later than 45 day 's from the date they were notified. On   X/XX/17   I contacte d Amex ag ain and spoke with "  XXXX  '' ( another supervisor ) after clarifying with the agent who answered that the claim did start o n  X/XX/17  also  verified by the supervisor. As he stated the claim should n't have been closed in error and that we were on th e 47th day. He apologized and had no further answers on the matter. Stating he would contact disputes again  as there was n't an error by  Amex and  he would do what he could to get it resolved quickly No solid answer has been given to me. An email was sent to disputes o n  X/X/17  r equesting information on the dates that they have in regard to the dispute. However it has gone unanswered. The company in question has since cancelled all consumer policies due to massive complaints for non received devices, incorrect devices, or flat out broken ones. I am unclear on how  Amex handles its disputes or when they began mine. But customer service can not assist and I can not personally call disputes. After purchasing a new device Amex is not assisting in manner professional as  this causes financial hardship for me.
My deceased mother had an account with Bank of America. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a BOA branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of BOA tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with BOA and get the money, but XXXX at BOA XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but BOA and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Bank of America and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).
I have sent over 3 letters to Experian showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
Wells Fargo is moving my transatcions around to cause overdraft fees i have proof with tranactions posted before the purchase recipt shows i bought items the choose when to do auto pay on my bills always diffrent dates that the transaction occurs. How can i stop them. ive made complants to there fraud dept. an spoke with store managers that treat me like im hassling them. an i never got a stright anwser.is what they are doing to me illegal?
I have called several times to  XXXX , Experian, and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX , Experian, and   XXXX   all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.