WillisBack/dataset-financial-user-claim huggingface dataset:
My monthly house payment with I believe, 4 or 5 mortgage companies so far, was {$1200.00}. I always have the mortgage company " draw '' the funds from my bank. I have never been late on a house payment in nearly 20 years!! 

On XX/XX/2018 Freedom Mortgage sent me a check returning " excess escrow '' funds in the amount of {$180.00}. I immediately returned their " unendorsed '' check to Freedom Mortgage, explaining I will ALWAYS return excess escrow amounts back to my Escrow account so my house payment does NOT increase. They returned the unsigned return of escrow funds check, saying I had to endorse the check. I endorsed the check and paid the extra to be able to track the check, as it was endorsed making it negotiable. Freedom Mortgage increased my XXXX payment by 9 cents. I wrote and asked why the increase when they have an excess of funds and they sent me an unsigned letter saying they would research. I never actually received an explanation. Then, I received another return of Escrow funds check dated XX/XX/2018 in the amount of {$160.00}, and a statement telling me they were increasing my monthly payment to {$1200.00}. Please understand, I phoned on each of these checks and was NOT given any explanation other than I had too much money in my escrow account. I was NEVER allowed to speak to a Supervisor or Escrow Account Employee. I again returned the check, of course " signed '' and track-able with another letter stating I will ALWAYS return excess escrow. The next letter I received was again UNSIGNED stating they would research my concerns. I am a XXXX XXXX, retired, fixed income. home owner. Every penny counts in my life. I have recently had a number of unexpected costs as well as expensive health issues. I am being unfairly treated by a company that does not even sign letters or give me anyone to speak with regarding their unfathomable, explanations. Their increase of {$3.00}, totals in a year, {$40.00}. The last excess escrow funds check I returned was in the amount of {$160.00}. In my life, especially now, every penny of my monthly expenses affects how I am able to live my life. Please help. 
Sincerely, XXXX
" " '' I have disputed this collection on this XXXX, XXXX XXXX  XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
The debt collection agency was paid via wage garnishment by the California Tax board ( because the collection agency did not properly verify proof of debt from original creditor, and did not respond within 30 days of the request of proof of debt ) so the California tax board acted on their behalf. Once the wages were garnished to completion of debt, a letter was mailed by the California Tax board stating the withdrawal of garnishment ( due to debt being fulfilled ). Two months later I received a letter in the mail from the California Tax board stating that hundreds of dollars from my tax return would be garnished due to a debt from the collection agency. Upon contacting the collection agency they admitted they made a mistake, but said it would take possibly three months to receive our refund of hundreds of dollars they wrongly took. This agency failed to verify the debt from the very beginning.
Integrity solution service 's license to collect a debt expired in XXXX and they have been reporting on my credit report inaccurately since XX/XX/XXXX of last year on my XXXX report
On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. VerosCredit.Llc ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018
After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.
I disputed that the card is an unverifed account on my credit report and the company did not sending any proof or validate that the card was opened or used by me.
XXXX   XXXX  is reporting a collection account on my credit report with Transunion. this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX . This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with Transunion twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on  XX/XX/XXXX . I then spoke to another representative from  XXXX   XXXX  on  XX/XX/XXXX  who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  XXXX .
In XXXX I obtained a home loan from XXXX Mortgage Co. At the time I was required as a condition of the loan, to submit a FEMA Standard Flood Hazard Determination ( SFHD ). The lender engaged XXXX, a third party certification business to obtain the SFHD and it was submitted as a part of the loan package. The SFHD stated that my home was not in a flood zone and that no Federal Flood insurance was required. 
In XXXX, Caliber Home Loans acquired XXXX Mortgage, and assumed my loan in the process. 
In XXXX XXXX, Caliber sent me a letter indicating that my home was in a flood zone and insisted that I provide flood insurance on the property. Through numerous conversations I explained that I had certification to the contrary and provided them with a copy the SFHD that I obtained through a senior loans officer at Caliber. Caliber continued to insist that I was in a flood zone and produced a copy of a SFHD that they purportedlyreceived with no preparers information ( as contained in the SFHD that was submitted with the original loan ). 
I continued to try and work with them to resolve the problem, but refused to purchase flood insurance as they were requiring. I supplied them with maps substantiating my position as well as copies of all SFHD information in my possession. I also submitted copies of the FEMA map certification showing that no updates or map revisions had been made since XXXX. 
Finally I spoke with a Caliber Insurance supervisor, XXXX XXXX XXXX, who told me that if I applied for and obtained a Letter Of Map Amendment XXXX LOMO XXXX from FEMA that showed that my property was not located in a flood zone, that Caliber would reverse all the insurance charges they had placed on my account. In XXXX, I received that LOMO at a cost of {$800.00}, and Caliber sent me a letter indicating that no flood insurance would be required in the future, however they refused to remove the insurance fees charged to my account from XXXX XXXX through XXXX XXXX. 
In addition, I have asked to speak with XXXX XXXX XXXX of their office to clear up the situation and they have not made her available to speak with me. 
I am very frustrated and feel that Caliber is not acting in good faith on this issue. Despite the fact that the paper trail shows clearly that they were in error to apply the flood insurance requirement, FEMA 's own regulations state that : " Whenever an institution makes, increases, extends, or renews any commercial loan secured by improved real estate or by a manufactured /mobile home, it must determine whether the building or mobile home offered as security is or will be located in an SFHA and complete the Standard Flood Hazard Determination form ( SFHD ) ... XXXX Caliber assumed this loan which is not covered in the FEMA requirement. All requirements for SFHD were complied with at the time the loan was processed. No amendments to the map were made after the loan and Caliber used a SFHD form in XXXX with no preparers certification.
This collection account is not mine. I do not own Portfolio Recovery. 

I have attached a copy of the letter I received from Portfolio Recovery Associates XXXX which is dated XXXX XXXX, XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XXXX XXXX, XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. 

According to the old credit report Portfolio Recovery Associates opened in XXXX XXXX and was last reported XXXX XXXX. 

The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. 

I do not owe this debt as it shows it was issued in XXXX. This was 12 years ago.
This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.
Great American Finance Company is horrible to say the least I have never missed a payment when I open the account and made all my payments up to date. I went online and made my payments always. In XXXX XXXX I notice the company report a 30 day late when I was not late, I called them to discuss the issue and they stated that its because I had not full paid my total due in XXXX XXXX, I then explained the issues and also stated that I was never informed that I had a late payment in XXXX XXXX, in which GAFCO stated that it was a late fee that just kept on adding up. I explained that was very deceptive and misleading and sent several letters to the Manager and still no response not even a call back. I spoke with a Customer Service Representative who stated that she would look into the matter and correct the late payment. GAFCO never corrected the late payment then in error they placed another late payment for the month of XXXX XXXX in which again I called to dispute the matter and even stated that how could I be late when I paid up to 3 months in advance in XXXX XXXX. I was very frustrated after that and got the Attorney General involved and now they continue to report " Account Charge off '' on my credit bureaus for the last 6 months. The same account they have reported as a " charge off " for the last 6 months, which puts a negative hit on my CRA just to lower my scores. Great American Finance Company has continued to the FDCPA 807. False or misleading representations. As they continue to violated federal law, by not False and misleading information provided to 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 in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Dear CFPB, We have tried endlessly to get this servicer to fix the errors on our mortgage and it is only getting worse. Our mortgage is actually with Mid America and XXXX XXXX is the servicer. Not sure what all these connections mean I only know that I pay my mortgage through XXXX XXXX but my mortgage is with MidAmerica. Meanwhile my mortgage all year long was {XXXX} never missed a payment. Then in XXXX they claim escrow was short and bumped the payment up to XXXX. The problem with that was at the refi last year the homeowner insurance office and the property tax office received a double payment in error from the mortgage transaction of refinancing and instead of them returning the extra money they put it in a suspense account for half of the year and then decided not to return it at all instead they put it on the principal mortgage owed which caused the escrow account to be short for the upcoming year. After it was short they turned around and charged us for the escrow. Now our house payment has increased and we are being charged exuberant amounts for mortgage due and to repay escrow. We ca n't even figure out what exactly is our mortgage payments anymore. We have been given three different amounts in one week from customer service. When you go online to look at the payment history it 's filled with so many misapplications and errors and changes that the average consumer ca n't figure out what the correct amount is that is due. I had a mortgage with a set payment and they broke the contract with all these misapplications and erroneous due payments. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for your time.
on XX/XX/XXXX I had tried to use my Bank Card and my account was overdrawned so upon going to the website looking at my account I noticed that a few unauthorized transactions had been taken out of my account and so when I got off work I called the fraud team at the bank to let them know about these transactions. She informed me that the money had been taken out by my debit card which is hard to believe cause nobody but me has asset to my Bankcard or pin number. On XXXX/XXXX/16 I had XXXX transactions XXXX for XXXX and XXXX for XXXX which I stated to her I know nothing about she said they came from a XXXX Branch , I know nothing about that Branch only been to the XXXX at XXXX XXXX XXXX the only branch I know about in this area, she stated that they would pull the film from the camera to see who was at the branch at the time, I want to see who it was also cause I have XXXX dollars missing from my account. Then on XXXX/XXXX/2016 somebody withdrawn another XXXX. from my account that I know nothing about. So if any kind of investigation was done than you would know that it was n't me and could n't have been my card cause I had my card with me at work on both of these days and I was working on the XXXX XXXX. So now I recieve a letter that the transactions were authorized by me if they were where is my money cause I surely did n't get it? I have no idea where my money went and she want to tell me I authorized these transactions well I do n't even know how the money came out the bank but she says my bank card which is so not true cause my card is in my purse at all times.This is fraud and I turned in a fraud report and I want this fully investigated cause my money is gone and somebody has to account for it. I also had a problem with Huntington that was never solved where XXXX XXXX took funds from my account that was n't supposed to be taken and I gave them the paperwork with no charge on it so surely my XXXX. should have been refunded to me. Now if any film were pulled you did n't see me at the machine cause I do n't even know where that branch is, my money should have been put back in my account. my husband has his own card. He never uses my card and I do n't bother his. So if it 's not me or my husband getting the money out nobody should have it is mine and my husbands account so neither of us got the money where is it I do n't work for the bank.
They have one account saying that I owe the wrong amount for the most recent loan. On the oldest loan I have with them I paid the loan off and they say it is a collection and it should not be listed as a collection. I want the items removed from my report as they are inaccurate information.
XX/XX/XXXX : Applied to have an existing mortgage transferred from my existing bank to another. Credit report was pulled & an entry from XXXX  for {$520.00}. ( in collections ) was shown. I had no knowledge of this " creditor ''. Upon my research I found it was a collection agency that had gone bankrupt. I contacted Mass Attorney Generals Office & they advised the debt was bought from XXXX  by XXXX XXXX XXXX XXXX ( XXXX-XXXXXXXX  ). I contacted XXXX, as I had never been notified from either of these companies regarding any debt. XXXX  stated the debt was from XX/XX/XXXXt0 XX/XX/XXXX when it was closed. I asked what the debt was for & was told they only received 2 billing statement when the debt was turned over to them, which had no info on it except for finance charges. They stated the lender was XXXX XXXX   & had a credit limit of {$300.00} on it. ( Why is it {$520.00} now & what was it for ). XXXX did not know & advised to try myself to investigate more or pay the debt. I am not paying for something that I do not know what it is. XXXX  also stated that alot of the information they received from XXXX had not been accurately reported. I would like this removed from my credit report as my obtaining a transfer of mortgage depends on it.
I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were placed by a debt collection company, ALDRIDGE PITE HAAN. After  numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because APH Law LLP didn't care enough about this tiny debt to respond in a timely and conscientious manner.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however, found that they were non-compliant as per the FCRA and CROA requirements
Equifax keeps sending you a response that says I have not provided additional communication. That is not true, I have provided the same additional documents that I have provided to you. I am not sure what the asterisk in front of the statements provided in the response. Additionally, I no longer get a case number from Equifax when I dispute my credit report. Since I have been blocked from online reporting and mail documents. This does n't seem to be in line with the Fair Credit Reporting Act.
I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!