WillisBack/dataset-financial-user-claim huggingface dataset:
An account opened with XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX for the amount of {$260.00} has no reason to be listed on my report. This is not a debt owed by me and I wish for it to be removed from my credit report for it is damaging score.
I was repeatedly lied to by ECSI. They told me the only way to get my loan out of default was to give them personal information. This was incorrect. According to the XXXX all I had to do was make XXXX consecutive payments on time. I did this and had the loan rehabilitated. After the loan was rehabilitated, ECSI retaliated and posted negative information on my credit report. They indicated that I had n't made payments in the past 15 months. I had in fact been making them for approximately 10 months. I called and complained and they blamed it on the credit reporting agency. After an investigation showed they were responsible, they claimed they no longer had my info, it was with the federal government. After that I received another billing statement from them. So they told another lie to avoid the issue.
Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX  and removed all of them, but now equifax and XXXX don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau
In what appears to be an annual attempt to flout ethical and advised practice, Home Point Financial has again chosen to pay in full local, real property taxes from escrow, as opposed to spreading the escrow on a quarterly basis. For three consecutive years, we as the borrowers have requested in writing that the local property taxes be paid from escrow each quarter, as the tax bill is conveniently designed with quarterly amounts. This would allow for time to replenish the escrow account. Instead, the company has ignored their own previous agreements to do this, choosing to pay the tax bill in full, the same month as the homeowner 's insurance is also paid from escrow, and just before they conduct the annual escrow account projection. This ensures for them that an escrow account containing a significant surplus is sufficiently depleted at the time the company calculates the projected payment for the year, guaranteeing an average increase of between 18 and 24 percent per monthly payment. 

In XX/XX/XXXX, an additional payment, in the amount of {$1800.00} was sent to the Lender with a signed notice that it be applied exclusively to escrow to avoid further payment shock. It was not applied to escrow. 

A letter explaining the hardship caused by a fixed rate mortgage with a perennially surging monthly payment was sent in XX/XX/XXXX. As was a similarly exhaustive explanation of the problem conducted in XX/XX/XXXX. Many hours have been spent attempting to contact and resolve this issue, with good faith solutions proposed by the borrowers to avoid this by simply paying the annual tax burden in quarterly increments. Yet, each year we receive shocking notification of an unexpected and unmanageable increase in monthly payment, impossible to budget for, causing untimely payment and threats of default and foreclosure. 

I am always hesitant to believe malicious intent over the far more likely answer of the path of least resistance to explain why each year Home Point acts as though they have never heard of our cries for relief of this unnecessary practice of depleting escrow as much as possible immediately prior to calculating the next year 's escrow projection. Yet, after three consecutive years of losing sleep over the threats of losing our home, I can no longer believe that this practice is anything other than by design. Property values in our neighborhood are rising quickly and the economy suggests short term investments are more profitable than long term investments. Mortgage interest rates are going up. Therefore, to exploit a loophole in the fixed rate mortgage contract and force a middle-class family from a home in a high real estate value neighborhood inevitably yields a quick profit for a company that has not demonstrated scrupulous behavior.
Seterus has failed to process a modification application and is in violation of several CFPB regulations. The application was submitted on XX/XX/XXXX and as of XX/XX/XXXX account representatives state there is nothing they can do but escalate the issue again to the underwriting team, their supervisor, as well as the account rep supervisor. When asked to speak with supervisor on XXXX separate occasions with XXXX different Seterus reps : XXXX stated on XX/XX/XXXX there is nothing supervisor can do because they already escalated it, and more recently on XX/XX/XXXX an account rep stated even the supervisor says " hands are tied '' and there was nothing they can do, but re-escalate it. Property is in the foreclosure process and despite the fact there was a modification submitted on XX/XX/XXXX that Seterus is failing to process, they still moved for Summary Judgement on XX/XX/XXXX. 
Timeline:XX/XX/XXXX Application submittedXX/XX/XXXX Confirm of received application, confirming all docs submitted and they will contact us with any additional requests. 
XX/XX/XXXX Follow up - no one assigned, asked for updated check stubs because old expiredXX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep asked for a new application because everything had expired. Then found a new underwriter to assign the file to. Underwriter stated it was their fault documents had expired and we did not have to resubmit new documents. 
XX/XX/XXXX Follow up - general inquiry nothing neededXX/XX/XXXX Received letter - They will conduct a through review of information and make a decision whether eligible for assistance. 
XX/XX/XXXX Follow up - status was escrow orderedXX/XX/XXXX Follow up - nothing neededXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approval, email sent to underwriter to see if there anything new and request a call back. ( No call back received ) XX/XX/XXXX Follow up - account rep concerned, may not have been sent to XXXX, escalated the matter to all parties. 
XX/XX/XXXX Follow up - Escrow ordered on XXXX XXXXXX/XX/XXXX Follow up - Some review for escrow but no decisionXX/XX/XXXX Received final notice before tax saleXX/XX/XXXX Follow up - No new notes since XXXX XXXX ordering the tax, escalated it, transferred to tax department. Received confirmation from XXXX whom handles Seterus taxes, that taxes have been paid. 
XX/XX/XXXX Follow up - No new notes since XXXX XXXX ordering the tax, escalated it.
They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a  identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me
I checked my XXXX  report today and there is a company named Sunrise Credit Services out of XXXX New York which reported this XX/XX/XXXX for {$4900.00}. First off, I have not ever heard from this company about any alleged debt for this XXXX XXXX. I am currently in good standing with the Department of Education paying back my student loans for the schools I attended. I also have the Department of Education looking into this. Second, I have NOT received any correspondence from this company by mail nor have they contacted me by phone. The question is what name and address did Sunrise Credit Services send this information to and when? I know for a fact that this company did not notify me because my last name is changed. I've been married since XX/XX/XXXX and recently moved back to Texas in XX/XX/XXXX. I am disputing this negative charge on my report. It is so disheartened that companies can continue to place negative information on someone's credit report with out giving the consumer a chance to dispute. I do not owe this alleged debt nor do I wish to work with this Sunrise Credit Services because they are doing fraudulent business for something I do not know anything about nor owe. I have disputed this with XXXX as well and will being sending a dispute letter the company today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies at once.
On XXXX XXXX I sent TransUnion letters along with proofs of identification ( drivers license and social security card ). I disputed three account listed on my credit report ( XXXX, XXXX XXXX, XXXX XXXX ). I received a letter dated XXXX XXXX, stating that I need to send verification of my date of birth in prefer to have my date of birth year update from XX/XX/XXXX to XX/XX/XXXX. But my identification was included with the paperwork I sent in. Therefore, I contacted them today. I spoke with customer agent XXXX XXXX who informed me that nothing is in dispute or investigation and that my paperwork has been received. Then I spoke with supervisor XXXX XXXX who says he just updated my date of birth himself. I continue to question him as to why nothing was done regarding the disputes, inquiry removals, and update information that I requested in the paperwork. He could not tell me. I asked that they validate and verify the three accounts and if they could not send me the proof of how they validated and verified the information regarding each of the three accounts that I ASK THE THEM TO DELETE THEM AS THEY ARE NOT VERIFIED NOR VALIDATED CORRECTLY. As of today nothing has happened on there end at all and it has been over 5 days since they received my paperwork as they only require 5 days to process paperwork, as supervisor XXXX XXXX informed me.
I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV Compliance division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV Compliance told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and Transunion sent me back that they completed my request and the information was updated. I needed them removed so that it wo n't hender me with employment. Also, I disputed a credit collection for an XXXX bill that we did n't even receive until it was already turned into collection. We moved and did not receive the bill. We paid the bill in full as soon as the collection company showed up on my report but they did not remove it only updated that it was paid.
Kings Credit Services a debt collection company showed up as a collection on my three credit reports. I disputed to the three credit reporting agencies XXXX XXXX and XXXX and all of them came back as verified debt. If the debt was indeed verified Kings Credit Services is in violation of the HIPAA law. I never signed a consent for anyone to share my medical in it information with the third party or any other company or entity. I also never received any documentation with my signature on it stating otherwise.
I was recently charged an overdraft fee on my BBVA Compass account of XXXX, but no where on my bank online did it show that I went negative. If the bank is going to charge an overdraft fee, then there should be transparency and the bank should, at the very least, show me where I went negative. Instead, my balance never reaches a negative balance on my bank online. I feel that the method of accounting that this bank is using is meant to take advantage of consumers because people are being overcharged non-sufficient funds when their accounts never reach a negative balance on their bank online. If the banks are going to be charging overdraft fees, then they should, at the very least, show you why they charged you a fee.
I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. 

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On XXXX XXXX, 2017, I learned that Equifax 's databases had been hacked and my personal information was leaked to criminal parties. I was not informed by Equifax, instead I learned about the incident from news reports. Furthermore, Equifax did not disclose the hack for weeks allowing the criminal parties to use my information unseen. Equifax did nothing to inform me about the incident and nothing to help me protect my credit and my personal information.
It was on XX/XX/XXXX That we suddenly see few returns from PayPal. Returns belong to one of our old customers that we know him well. This customer was buying from me from XX/XX/XXXX and during these years he bought over XXXX dollar from us. I text the guy that what happened why you start asking your money back? I was angry. He said he have no knowledge of that. He checked his account and saw PayPal block his account and from us returned {$3600.00}. He just returned from travel and he was shocked of what happened. 
I and he called PayPal for reason they said they have future activated in all business account name friend and family and they said he send money from that future and he did n't use conventional way. I told PayPal the guy just come back from long trip and most likely his associate did this out of lack of knowledge.interecting is this future in business account is illegal and since our business account is connected to our business banking having this future is kind of promoting money laundering. I told that to PayPal that our business banking not suppose to have this future from first place and if PayPal is bounded to government must know that you cant connect our business banking to personal purchase and if IRS find out they will penalize XXXX but they said this is fine. I told them I want to close this future permanently they said you cant but we can do from our side and after few days on phone back and forth they did. Hopefully for us not for many many many other account that they have. I ask them what happened to my money they said we will return to his account and he have to return it to you. I told them you block his account and currently he find better business and is not in this business any more. Only respond I heard was nothing, These people using illegal futures to still money, we sold the merchandise to customer and we thought we receiving correct money but we find out its not, you might ask you can see this comes from friend and family that 's your fault to accept my answer is you can come and check all out print out from PayPal it do not say any thing that how this money got here. Some thing rotten going on in PayPal and they start stealing money appreciate you look into it and publish it maybe some other poor customers like me get to gather and do class action maybe they could return their lost money.
Hello, This collection was a result of a visit to an XXXX for my first child. I never even got to see the doctor and was in his office for less than 15 minutes. 
Back in XX/XX/2015, I went to a XXXX check up and he was not in the office. The nurses wanted to perform XXXX but I declined and left the office. After this I received a bill of about {$570.00}. I called my insurance company and mentioned that it was very unfair for the doctor to charge this. 
Then I got the bill myself. The bill was sent to collection which I paid. Unfortunately the collection company reported me. Can you please assess this case and reconsider this negative hit. 

Thank you so much!
Equifax is incorrectly reporting that I have been delinquent on my Child Support account. This is not true. The account number is : "  XXXX  '' I can provide a payment summary directly from the Louisiana Department  of Children and Family Services which pro ves my payments have always been received on time and I have never been past due. I do not understand why Equifax is reporting incorrect payment history for my account. This does not make sense. Equifax is also incorrectly reporting a balance of {$660.00} on my Child Support account. It should be reporting at {$0.00} because this account has been paid. I have disputed this issue with Equifax numerous times only to receive generic responses that do not address my concerns.
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX network breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Our mortgage lender, Bayview Loan Servicing, has failed to pay our property taxes. Property taxes and insurance are included in our monthly mortgage payment and placed in escrow. Our payments are up to date and we are in good standing. We received notification from our XXXX 's tax office stating that our taxes for 2015 were n't paid. After repeated attempts to resolve this issue, our taxes have still not been paid by Bayview and as a result, a tax lien has been placed on our property which will result in foreclosure if not promptly addressed.
I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
LexisNexis is reporting a tax lien on my credit filed that is not mine, I have to tried to contact this company several times and ca n't never get anyone on the phone the hold time on the phone is always long and never an answer.
On XXXX/XXXX/2017 I received my monthly statement from Navient student loan servicing. A late charge was noted for {$.00} and noted as an unpaid amount for {$.00}. I knew this was incorrect because I pay more than the amount due each month and also never have been late on a student loan bill before. My student loan debt is taken very serious as a Nebraska bar applicant and XXXX XXXX holder. My account number is XXXX I called the number for customer service and spoke to a woman who called herself XXXX, her ID # is XXXX at around XXXX XXXX/XXXX/2017 where I was told the call was monitored for compliance, she told me after telling me I could not speak to a manager because call volume was too heavy. When I insisted on a manager she put me on hold and made me wait then asked if I still wanted a manager and then she was advised in how she was instructed to respond to my query. She told me this was a fee from a previous servicer that appeared on my bill that it could be corrected because it should not have been charged as I am on the income based repayment and have been with them at Navient who has been servicing this loan for over 2 years on the same plan. I asked her if this is not considered illegal collection practice and did she know this is a UDAAP. She said, " yes it is. ''
I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative impact to my credit.
I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.
My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.
Hyuandi Motor Finance is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my   XXXX   XXXX   XXXX   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections for about seven days and then automatic report the incorrect information agin.
I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$2500.00} as income. This is false, I did not receive that amount. I only received {$1000.00}. Now that I am filing my taxes, It looks like I received {$2500.00} when in fact, {$1500.00} were attorney fees, paid directly to XXXX.
I submitted a dispute with Experian regarding an old XXXX acct that reported late back in XX/XX/XXXX.. In XX/XX/XXXX and told them that a XXXX supervisor stated that this acct would be deleted after 3 years from date of late as agreed, this acct has already been removed from both equifax and transunion however Experian still has this acct on my credit report.please delete XXXX  acct as agreed since its been well past 30 days..