WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX. XXXX our escrow balance suddenly jumped from a balance of positive {$900.00} to a negative balance of $ XXXX on XXXX, XXXX, XXXX. Wells Fargo is unable to provide us with reason of changes for amounts. Escrow from XX/XX/XXXX to XX/XX/XXXX continued to grow into a negative balance of $ XXXX without any sort of explanation or notice of new balance now in negative, when never in all the years of owning home had it ever been more than $ XXXX. In XX/XX/XXXX we received a mortgage statement with a new monthly mortgage amount of {$860.00}, an increase from the normal amount of mortgage paid since XX/XX/XXXX when we bought the home, prior to XX/XX/XXXX monthly mortgage due was {$490.00}. After speaking with Wells Fargo regarding huge increase in mortgage they informed us it was due to a loan opened by a contractor of XXXX XXXX who opened a {$24000.00} loan in our name without our consent or knowledge, and simply stated we are to pay new monthly mortgage amount or risk losing our home due to lien put on by the contractor through the XXXX program, and opened the loan 2 years earlier in XX/XX/XXXX, we had no idea such contract or loan existed until XX/XX/XXXX. After reviewing said documents we noticed someone had forged our signatures and opened other accounts in order to submit contract through several entities such as banks and XXXX County Property Tax. We had no choice but to pay new amount until we can clear such matter, which after 8 months of dealing with XXXX XXXX and XXXX XXXX Attorneys we hired attorneys to represent us XXXX XXXX  suddenly removed the lien without our knowledge prior to removing the lien, they did it to avoid even further legal action but by then we had already overpaid Wells Fargo several thousands In XX/XX/XXXX our mortgage payment was reduced to original amount of {$490.00}. When I called to ask Wells Fargo about discrepencies and over charges they said we were entitled to a {$620.00} refund not the {$2100.00} plus we had already overpaid, they gave me several numbers to call within escrow department of Wells Fargo but they were unable to provide me answers on why there was a shortage in the Refund Amount, and simply told me they don't know where the money went but its been disbursed and con not be refunded the remainder of the mortgage I was forced to overpay to keep my home. How is it that they are able to make me over pay but when confronted with their mistake they are unable to pay me back my money because they paid out already. They never took the time to verify any document before they forced me to pay money I could not afford to pay because a contractor with XXXX XXXX used my name and forged my signature to open a loan. it is tortious interference with contract, fraudulent inducement, negligent, and it is unjust enrichment.
I first was made aware of a debt i owed to AWA collections out of XXXX XXXX California when trying to obtain a home loan in XXXX of 2014. This was originally a XXXX automobile club collection which i have never had XXXX. I disputed it through Experian XXXX XXXX in XXXX of 2014 and again in XXXX of 2014. I first sent a verification and Validation letter certified mail with return receipt in XXXX 2014 and again in XXXX of 2014 with no response to either. I had called XXXX and they have no records of me ever having XXXX and when calling AWA collections they could not confirm i owed the debt but wanted payment from me immediately. I requested original contracts and proof i owed this debt but was given nothing. After several calls and getting no where i am finally formally making a complaint and will go all the way to the attorney general if need be. I am frustrated not only because this is not my debt but because also it affected my rate purchasing a new home.
In  XXXX  o f 2014 I  was seen at  XXXX   XXXX   XXXX  while I was  XXXX  and had  XXXX . I later in   XX/XX/XXXX   of that same year   XXXX   XXXX   there. The   XXXX   was billed to my insurance but the other debt from   XX/XX/XXXX  wa s not. My account was later sent to collections without any form of a bill or any attempt to get detailed billing information to me at any time. Not only was I never notified of a bill but  XXXX  was not billed. I never received any EOB from them explaining that a bill was denied, which is something they always send providing an explanation. Also, when I called the debt collector, they could not tell me when they attempted to collect a payment from  XXXX . Also, I never gave permission for  XXXX   XXXX   XXXX  to send any of my private information to an outside source other than the hospital themselves.
After several different loans over several years, I am over the 15 day grace period on a payment for XX/XX/XXXX due to the holidays ( after 14+ months of solid payment history ). After this grace period, I started getting between 4-7 robo calls from the XXXX XXXX XXXX, every day, leaving no messages. When I do answer, no one is on the other line, only a message stating 'No one is available to take your call, please hold ' and then I am on hold for 5-10 minutes. I have asked to be removed from this automatic dialer, but was told without a promise to pay, even with my good payment history, I would have to endure the automatic dialer calls. I finally was able to pay, but am still receiving calls. I missed one payment out of a great payment history, and am made to feel like I 'm a second class citizen. I feel this is unnecessary and harassing. I am very dissatisfied and this has made me rethink getting another XXXX. I am attaching screenshots my phone allowed me to take of the calls as proof of the repeated calling. 
I am also uploading my payment history showing I do in fact pay within the 15 day window required to be considered in the grace period of on time ( as paychecks allow, sometimes it 's earlier than the XXXX, sometimes after ).
I did not get my Experian credit report. i received XXXX and XXXX. I should have gotten all XXXX at once. I had trouble in 2016 also. I want my Experian credit report mailed to me as I am in bankruptcy.
XXXX is selling access to information I did not opt into, nor authorize. Its providing scores on data I can not see and it does not have a reasonable way to download a copy of what they are reporting on me to other companies. Because I do not know what's in this file they are reporting to vendors, I can not dispute what is in it and I have been financially harmed. I can not get my legally required free annual report from the website the government help setup. HELP
My name is XXXX XXXX. XXXX : XXXX ... I've recently disputed this debt multiple times from Midland Funding ... they are not the original creditor ... the account was closed and they bought the debt from the original creditor ... I need validation that I owe this debt ... My signature is not on any contract with them ... My rights have been violated under the Fair credit reporting act ... as well as UCC 1-308 ... every time I dispute this debt collector nothing get 's solved ... like the credit bureau 's and this agency is committing fraud against a name that isn't mines ... I have a Nationality ... XXXX XXXX ... I'm not the ALL CAPITAL LETTERS NAME on any paperwork ... I've stated this fact many times. Section 609 of the Fair Credit Reporting Act is suppose to protect me against agencies like this one. Why are my rights being violated and nothing is being done about it from the credit bureau 's or by second party agencies that I don't have a contract with?
I recently ended my residence with XXXX in XXXX, Washington. After vacating, the manager immediately sent the balance to collections, rather than using the deposit insurance policy XXXX sold me in lieu of making a deposit payment upon move-in. The manager in question, XXXX XXXX, has repeatedly harassed me by retaliating for XXXX accommodation requests ( including an eviction attempt for requesting an accommodation, and a rent hike attempt after the eviction attempt was overruled by the apartments ' holding company ), and made no attempt to contact me or discuss the deposit insurance after termination of residency, though when I filed my 30 day 's notice, her office clerk, XXXX, assured me that the insurance covered up to {$1000.00} in damages to the apartment. I am currently filing complaints of XXXX discrimination on the basis of retaliation and am attempting to dispute the collection debt which has since appeared on my credit report.
I signed up for a Citibank credit card a few months ago. 

I received a shady looking envelope from Citi a few months after I opened the card, asking for personal information, such as name, age, address, and a physical copy of my Social Security card, to be sent to the bank through the mail. I called Citi, and they said they needed this information to process my application, even though I had the card already and had been using it for several weeks. 

Even though it seemed suspicious I did as they asked. 

A few weeks later, I received the same envelope, asking for the same information, and I discovered my card had been locked. I was told that they needed the information, even though I had already sent it, and was offered no other way to resolve it. 

I eventually hung up, and called a local citi branch, where I was informed this is not standard practice. They transferred me to a fraud rep, who said that all that was needed was a simple text to my phone to verify who I was, and that they never should have asked for my Social Security card to be mailed.
1. On XX/XX/XXXX, I deposited a check for US {$8200.00} from XXXX into my savings account. 
2. Check was drawn on XXXX XXXX XXXX. It was issued by XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX. 
3. On XX/XX/XXXX, our savings account ( XXXX ) with Capital One Bank, XXXX, VA, was credited with US {$8100.00}. Please note that US {$62.00} were deducted.

4. I talked to Capital One Bank Branch Manager in XXXX and their customer support department representatives several times. Spent hours on telephone holds and got no answer as to why us {$62.00} were deducted and by whom.

5. Sent a written complaint on XX/XX/XXXX. Received a response, dated XX/XX/XXXX, stating, " ..payment dispute was not a result of a Capital One error. '' 6. Called to seek understanding several times. Wasted hours on telephone holds and no answers.

To date I have no answer from Capital one Bank as to by who and why US {$62.00} were deducted? 


XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX XXXX
I purchased a home on XXXX XXXX XXXX and sold my home the following day. The closing statement paid interest to XXXX XXXX. When I applied and received the mortgage for the new home it was with XXXX. XXXX sold this mortgage the following month to US Bank Home Mortgage. I had made XXXX payments of over {$430000.00} in total on XXXX XXXX and XXXX XXXX of which the larger payment was for {$430000.00} and applied to principal. The smaller payment for the regular mortgage payment due XXXX XXXX was {$2500.00}. This payment was not applied based on the payment date for 4-5 days of interest and was allocated as the XXXX XXXX amortization schedule as if the loan was outstanding in full for 30 days. XXXX eventually corrected this error after several interactions but not before the incorrect information was provided to US Bank Home Mortgage. 

I have an amortization schedule from XXXX showing the balance at the transfer was {$49000.00}. When US Bank Home Mortgage took over the loan they recorded the balance at {$51000.00}, which is off by {$1600.00}. 

After contracting customer service three times to no avail and appealing their reply I am left with the loan balance being carried with the incorrect balance and my subsequent payments are being applied based on an incorrect declining balance. 

I have two letters ( virtually ) identical from the Customer Service Research member of the US Bank mortgage division ignoring the information I have provided including copies of payments out of my bank, the closing statement, the two amortization schedules reflecting the difference I am outlining. 

XXXX admits that the original information provided was before the required correction based on the payment dates but so far nothing is affecting the loan balance shown by US Bank Home and the overstatement of interest expense and balance.
I have been trying to get the people that work at Experian to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
On or around XXXX XXXX my wife and I started a refinance loan with state farm bank. It has since been 110 days and we still have not closed on the loan. We have provided all documentation in a very timely manner and none of the delays have been because of us as the borrowers. The loan processor continues to state that they are short staffed yet he just took off for several days. When we talk to the loan processors we are simply told that the loan is moving through the process and we are getting closer. Our processors name is XXXX XXXX and there is another processor named XXXX. Debt to income ratio is great, our loan to value is around 60 % and our credit scores are around XXXX or above. There is no reason for this easy of a loan to take so long. If there was a way that I could get out of the loan right now without having to pay any money as well as get a refund of my money paid I would. We feel very taken advantage of as a borrower.
I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?
I summited one payment transaction online on the XX/XX/18 with XXXX XXXX in Georgia ( Routing number XXXX ) the amount XXXX and it was withdrawn twice and only one transaction was authorized by me to be deducted only once by the FirstBank of Puerto Rico ( Routing number XXXX ). First Bank of Puerto Rico are the ones declining to make the refund and every time I call them they give me a new set of excuses. If I request to speak with a manager they refuse to do so.
I am trustee for my mother 's insurance trust account. I have a Wells Fargo checking account XXXX that I use XXXX a year to pay the premium for the insurance policy set up in this trust.. I have never had a debit card for this account. I keep over {$1500.00} in the account so that fees will not be charged. Once a year I make XXXX large deposit and write XXXX large check. 
I had a balance of {$2000.00} in the account after the check was written in XX/XX/XXXX for that year 's premium. The bank does not mail statements to me nor do I access the account online. On XXXX XXXX, as I was preparing to make a deposit and write a check, I discovered that the balance had dwindled to almost nothing. I immediately contacted bank officials, met with a bank official at my local branch bank and filed Claim # XXXX requesting full restitution of the balance of {$2000.00} that was in the account.. Somehow someone had accessed the card number..XXXX assigned to this account and since XX/XX/XXXX was using the card number to make automatic payments to XXXX XXXX. All of these charges were coming out of my checking account. Of course I expected either Wells Fargo or XXXX XXXX or both to reimburse the money that was stolen from my account. Bottom line, Wells Fargo is responsible as far as I am concerned. Banks are responsible for having adequate security systems so that clients ' money is not stolen while it is in the bank. Banks should not expect clients to be responsible for poor security when the client has done nothing to cause a security breach. That is the bank 's responsibility. 
However, on XX/XX/XXXX, XXXX XXXX XXXX, Senior Vice President of Claims Assistance Center of Wells Fargo, wrote a letter to me refusing to pay the entire amount stolen from the account - he agreed to pay {$1000.00}, which he said was the amount charged in the 60 days prior to my complaint - for XXXX and XXXX. He claims that I should have been monitoring the account constantly and should have reported the discrepancy within 60 days. Because {$2000.00} was stolen, then {$2000.00} should be returned by Wells Fargo. They owe me the other {$1000.00} plus monthly service fees that they have charged due to a less than {$1500.00} balance. XXXX XXXX letter stated that they had removed any service fees, but that had not been done as of XX/XX/XXXX. Of course because of their refusal to replace the stolen money, the account balance is below {$1500.00} although it should be {$2000.00}. Surely they will not charge me service fees because they have refused to bring my account balance up to what it should be..
I had canceled XXXX XXXX 3-4 years ago. I had already turned in the XXXX XXXX receiver box the next day so I wouldnt get charge for holding the box receiver. Whats the point of having the receiver box when I dont have XXXX XXXX account. It keeps on appearing on my Credit Report. I would like to have this removed on my Credit Report please.
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, Experian, and XXXX regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX
Inaccurate info on report. Called and talked with no help and rude customer service. Ready to close on a loan and now income/debt is a problem because this popped up
XXXX  Bankrupt cy discharged   XXXX    XXXX  ? - Capit al One called  my home and sent me emails  XXXX / XXXX /  XXXX  ? - Capi tal One left voi cemails at my workplace  XXXX  Cap ital One  l eft two voicem ails at my workplace  XXXX  Ca pital One left two voice mails at my workplace  XXXX  I talked to someone  at Capital One and told  them the debts were covered in bankruptcy. They transferred me to someone who was going to try to collect my debt. The call was never picked up.
i recieved a letter from green tree servicing about a moble home they say i owe for in 1990 ... ..i have never had a moble home, they say the account number is # XXXX the creditor was XXXX XXXX XXXX ... ..I have never had anything with XXXX XXXX XXXX,,, and they really did not have any info on this ... to say i owe something from 25 years ago ie stupid
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. Equifax and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXXXXXX never late XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX not mine XXXX XXXX {$84000.00} not mine
In XXXX my student loans were transferred from Nelnet to XXXX. 

XXXX increased the amount due by approximately {$19000.00} in collection costs and penalties. 

My balance went from approximately {$35000.00} to {$54000.00}. 

The loans were then transferred back to Nelnet for collection. 

I disputed the debt on XX/XX/XXXX. See attachment. 

I also requested an administrative review pursuant to 34 CFR 682.410 ( b ) ( 5 ).  The request was made on XX/XX/XXXX. See attachment.. 

Nelnet ignored both the dispute letter and the request for review. 

They proceeded with collection. 

On XX/XX/XXXX they filed a negative report to XXXX and XXXX. 

On XX/XX/XXXX they filed another negative report to the same credit agencies. The report is also attached. 

Collections should have stopped upon receipt of my dispute letter and an administrative review should have been conducted upon the XX/XX/XXXX request. 

Instead Nelnet ignored the federal consumer protection laws.
I received a call from " XXXX XXXX '' with this number. Claimed to work for the county. Complete lie, threatening to arrest me etc. I recorded phone call and voicemail.
A company called XXXX XXXX calls continually looking for a family member. They are calling everyone in the family, disclosing personal information and threatening everyone if we do n't give them the location of this person. They continue to call my home and business number for a debt THAT IS NOT MINE, it is for the sister of my domestic partner. I was threatened with jail, a warrant for my arrest, etc. When I told them I was n't who they were looking for, they slung a stream of abuse at me and did n't believe me. I asked for their contact information and they refused to give it to me. I asked them to stop calling here, and they have continued to call five times a day, repeating their threats, looking for someone who IS NOT HERE and has never BEEN here. I am sick of their harassment and abuse. When I ask them to stop calling, they call MORE OFTEN. This has to be illegal.
Greentree mortgage keeps calling me on my cell phone and leaving messages on my voice mail for a XXXX. I have called them several times and told them they have the wrong number. I also emailed them today, but still got another call. The last caller could n't even give me my phone number. She asked me is this you number XXXX times and neither was my number. The voice mails ask XXXX to call XXXX. Today the call returns have showed XXXX and XXXX. I do n't think they believe me. They have previously called me a wk to a month ago and I called them back and told them my number was not XXXX 's. Also, when I call their numbers back the automated system always wants to know my last XXXX of my ssn. I will not give that. The XXXX said I should file a complaint with you.
I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report.     The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent.      XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
I have been a XXXX  as a XXXX XXXX XXXX. I have been a XXXX since 2001. My loans should be forgiven. Navient will not give me the information that I need to have my loan forgiven. That do not have any information.