WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my township tax office was contacted by Loan Care ( who serviced my XXXX XXXX ) and was told that a tax payment made on my property earlier in XX/XX/XXXX was not intended for my property and needed to be refunded. At Loan Care 's request, the tax collector issued a refund ( equal to XXXX quarter ) back to Loan Care - thus making my property taxes delinquent. The initial tax payment was paid from MY escrow account and was then refunded to Loan Care and NOT back into my account. I was not notified of this until my tax collector contacted me several weeks after the request was processed. 
In reviewing my detailed escrow statement, these funds were never returned to my account, although I had made all escrow payments as scheduled while Loan Care serviced my loan. The loan was since closed as I refinanced through another company, but this was never resolved. 
Over the past several months, I have contacted Loan Care 's customer service at least XXXX times and submitted XXXX requests for a " customer advocate. '' To date, I have received ZERO response or resolution to my multiple requests. The fact that my requests are being completely ignored is beyond comprehension. I need a response. As far as I can tell, Loan Care owes me a significant amount of money and is refusing to acknowledge that fact.
Thank you for providing this service. I have gotten repeated calls with no message left from Transworld Systems about a debt owed to a doctor. Although I live now outside of the XXXX area code, they make repeated calls often more than once during the day from different XXXX area code numbers. When I questioned the account representative about this, he replied that they have only XXXX number which is not true. XXXX XXXX XXXX over a 5 minute! time span. And I have received five calls in three days. They repeatedly change numbers and do n't leave messages. I owe money. I understand that. They should leave a message and they should not lie. I appreciate your attention to this matter. Thank you.
This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.
My husband opened a credit card with the bank 53rd in XX/XX/XXXX.. 
Their were a couple of accounts associated with this account that I know of.

My husband passed away on XX/XX/XXXX. He had this payment taken out of the checking account automatic every month. When he had passed I stopped the payment from being paid automatically out of account because of the direct deposit of monies were being delayed. 

I went to 53rd Bank in XXXX MI, the one where we have checking accounts with and sat a talked with the Personal Banker and submitted the original death certificate to her she pulled the information on the computer, and she said to me " this is not in your name it's in your husband name '' so disreguard this payment, " this is not your bill. '' She then took all the paper 's I had brought with me to show her and she shredded them also with the plastic credit cards. She was submitting the death certificate as proof. This was in the month of XX/XX/XXXX. I've received many calls from 53rd Bank stating I owe this money. I said No I do not! I've never had a credit card or charged any purchases with this account. The account number on this credit card keeps changing every 6 Months or so.. it's a lot. I've been yelled at by the collections department threaten harassed. I've called the Dispute Signed Application phone numbers a few of them No one will help me clear this up. 

I asked the Bank Managers at Two 53rd banks to just show me the signed application of my signature on the loan was told I'd have to get an attorney to open up the records, I said " Why their my records '' aren't they! 
So last month I've been torment by them and was also informed that 53rd was putting derogatory remarks on my credit score bring it down also having a 53rd account that meant I was paying them my monthly fee to do this to myself. I paid the {$620.00} they wanted which left me scraping by. 
So needless to say I closed both the checking accounts we had at 53rd Bank. 

I don't know what else to do no one seems to want and help me.
I have called chase bank several times about them over charging fees to my account the fees annually add up to over XXXX dollars. I have been a customer for years and this adds up to almost XXXX dollars. I rarely believe they are over charging me and taking most of my money. Currently
This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt.
OnXX/XX/XXXX{$150.00} was taken out of my account unauthorized. OnXX/XX/XXXX I called the customer care center of my bank to dispute the charge, on that date the dispute resolution department opened an investigation. On XX/XX/XXXX they issued me a provisional credit in the amount of {$150.00} pending the outcome of the investigation they told me the provisional credit may be reversed. On XX/XX/XXXX without any notice they reversed the provisional credit of {$150.00}, so on XX/XX/XXXX when my direct deposit came in and I checked my account that's when I noticed they had reversed the provisional credit of {$150.00}. So not knowing they were going to do that, much to my surprise I was less the {$150.00} from my SSI direct deposit. So I called them immediately to find out why. I was told they had that right, that at any time if they decided to reverse it they could. I asked why I wasn't notified and also why would they reverse it just 12 days before the investigation was through.They would not say why and when I asked to speak to a supervisor they hung up on me. Then onXX/XX/XXXX I received a letter from them stating that on XX/XX/XXXX the investigation had ended and they closed the case in my favor. Then it went onto say that the provisional credit they issued me on XX/XX/XXXX would remain as a permanent credit on my account. So on SaturdayXX/XX/XXXX I called them and explained all of this to them. I told them that they are saying the credit will remain permanent but they had already taken the credit out, therefore they needed to reverse it and put the funds back into my account. Well needless to say they put me on hold and never got back to me. So again today, XX/XX/XXXX I called them again and pretty much the same thing happened. When I asked to please talk to a supervisor who could help me and explain to me what is going on, because as they know I am XXXX and live on my social security checks so that {$150.00} that they took out on XX/XX/XXXX came out of my check on the XX/XX/XXXX and I needed to talk to someone to find out what was going on because I live payday to payday. Well once again she interrupted me and said hold on and I was disconnected. I called back and it took me 3 tries before I could talk to someone and they hung up on me also. 
So then I called consumer finance and the lady gave me the website to y'all and here I am. 
I do have both letters stating everything I have told you as well as bank statements showing where the money was taken out and then the credit issued and then where it was reversed as well. Along with phone call logs with the dates and times of each call. 
So please any help I can get would be greatly appreciated.
I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted.       XXXX   XXXX   and Transunion : Credit Plus  XXXX  Transunion :   XXXX   XXXX    XXXX / XXXX /  XXXX     XXXX    :  XXXX   XXXX   XXXX
I have reached out to XXXX and Experian several times to make correction to what is reported on my credit history : 1. XXXX is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction.
2. Experian is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes.
Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.
Unauthorized Credit Inquiry XX/XX/2017 XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX
I am a short sale negotiator with XXXX. I have been hired by the sellers to facilitate a short sale on their property located at XXXX XXXX XXXX XXXX XXXX XXXX Oregon. I have submitted all documentation that is needed to process the short sale for XXXX however they keep insisting on giving them something that is not possible based on our local RMLS. That is an agent view of the MLS indicating how many days the property has been on the market. In order to go around this, I have submitted the full view of the MLS which shows when the property was listed as well as the a history view of the MLS showing the full RMLS history and dates listed or changed to SSP status. This does not suffice to the negotiator and she refuses to remove or postpone the Foreclosure sale date of XXXX XXXX only if I give her something that I am unable to give her given the tools we have here. I have tried explaining this to her via email, a generic email is returned asking for the same thing, I have tried calling, leaving messages with her, my messages have never been returned, i have tried calling into another rep or a manager and nobody can help me. 
This homeowner is trying to do a short sale with a buyer on the property and an accepted offer meeting the investor 's guidelines but now we have this issues that is being ignored from US Bank and not addressed as time is running out.
I have been a victim of Fraud with several accounts and attempts to open accounts, including store cards and services. I have disputed many times with XXXX, XXXX and XXXX so some has been fixed. There still has been one from XXXX XXXX as an inquiry which I have disputed over five times in a years time, then disputed with XXXX fifteen times in many disputes and called their customer service, spoke to a rude girl named XXXX who said she cant control what the credit bureaus report and she couldnt even find my information, then transferred me to a voice mail where I never received a response. Im still writing to them. I already submitted another request to them.
XX/XX/XXXX RE : XXXX XXXX XXXX SS # XXXX XXXX/CITIBANK Card To Whom it May Concern : In XX/XX/XXXX this account was reported as Late 30 days to the credit bureau. I have had a longstanding relationship with your institution for several years. 11 years ago Citi Bank afforded me the opportunity of my very first credit card. Since then, I have been able to continue to further my credit relationship with Citi and with other creditors. I can proudly say I have great credit. 
Account # XXXX was closed at my request months prior to the late pay being reported. I then went months without receiving statements and have had a very difficult time with logging into Citi Cards online platform. I recently requested that all of the statements from the last several months be mailed out to my home address. To this day, access to online banking has not been made possible. 
Considering the circumstances detailed above and the fact that I have been a longtime client with a great payment record and no other late pays of any kind on my credit file, I would like to respectfully ask for a goodwill deletion of the late pay off of my credit profile. This would allow me to restore my credit to the level at which it was prior to this late pay having reported. This seems fair considering the fact that statements never arrived, even after I requested to be taken off of online statements. 
Please feel free to reach out with any questions or concerns. Thank you! 


Best Regards, XXXX XXXX XXXX.
I have applied for a Paypal account many times over the last year. According to paypal Credit my information is confused with another individuals credit and thus they think I have an account. Their security department has not been able to resolve. I sent a letter to XXXX XXXX SVP, XXXX asking his office to escalate and they replied they could n't extend credit at this time. I have received this response probably 10 times in the last year but no one ever tells me why. 
According to the security department its because the credit application never flows through the system. 
I have two concerns : 1. I am very concerned that some one elses credit is confused with mine in their system. 
2. Their lack of urgency to resolve this issue is very concerning as an individual. The fact that they seem to not care that their system could be providing another individual my credit information is not responsible for a credit issuer. 

PLease help me to resolve this issue.
Mailed a letter and ask for Validation of this debt. The company have not responded to me as of today XX/XX/2018
In XX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with Citibank. ( Our account number is XXXX. ) In XX/XX/XXXX, Citibank began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX, prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my dispute was denied by Citibank because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX, I submitted a new dispute, directly with Citibank for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from Citibank dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
Capital One as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1700.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Hello, I XX/XX/XXXX I attempted to open a checking account with HSBC, they had a {$350.00} bonus promotion running for opening new checking accounts. I finally received my account on XX/XX/XXXX. The requirement for the promotion was to pay 2 bills per month, for 3 consecutive months, within 120 days of opening the account. I made 2 bills pays on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX, thus meeting the requirements. I called in today to ask when I would be receiving the bonus and was told that I was not eligible for the bonus because I did not meet requirements.
Equifax is a XXXX company that allowed nearly half the countries information to be hacked so they could pay themselves more. XXXX those XXXX XXXX.
Western union failed to say that if i use a credit card to process my transaction it will cost me money from my Credit card as a cash advance
Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. On around XXXX. Where XXXX XXXX XXXX Pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and the family of XXXX XXXX XXXX who are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Where they fraudulently open online banking. Bank cards and other bank XXXX ... At XXXX XXXX XXXX, as well as other banks. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -BANK, XXXX XXXX , XXXX XXXX  ( online. XXXX ) - Bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. Without permission or authorization from me XXXX XXXX. Where they continue to control and spend larger amounts of my money up to XXXX XXXX, XXXX. XXXX XXXX XXXX and her family live at XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX TXXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against Me to commit fraud.
I consolidated my loans maybe a year or two ago. I was so happy a weight was lifted off of me. Later i began receiving calls from Navient formally XXXX XXXX. i explained to the rep that i had consolidated all my loans and didnt know the $ XXXX that she was speaking about. come to find out, my mother ( and I ) took out a private loan with XXXX XXXX so that I could go to school. Sometime later i started a program to help me get on track with the payments, I was delinquent with about $ XXXX. I began paying {$200.00} a month. Shortly after that I learned that I was XXXX. About a month before I went out of work I called Navient to see if I could get a forbearance or deferment because it was unpaid leave. They told me I could not, subsequently I cancelled my payments ( that was scheduled for about a year out ) out of anger and frustration that they were not willing to hold payments for a month or two, and because I just could n't pay them while I was out. Anyway, fast forward to after XXXX. I finally spoke to someone about payments again. He was upset because I was ignoring Navients calls. Yes, because because I told them plenty times I could not pay anything while I was on leave. I offered to set up payments again, which was ignored and other payments on my consumer report were brought up. I hung up. If i am trying to set up payments again, why are you harassing me about my car payments. Anyway, I talk to two other people, the last person informed me that I was headed for default. I again told him I could pay {$100.00} a month and we could set up payments. He told me that even if I paid {$100.00} I would still default. I 'm so confused and angry. I do n't know what to do. I can not give them what I do n't have to give. Why will I default even if I am making payments. Navient has been a true nightmare. My fed loans are working with me. Navient is terrible.
I was victim of a scam perpetrated with Google Play cards. Fake lawyer instructed me to purchase {$2000.00} ( 4x {$500.00} ) cards on XX/XX/18 to send him codes which he will then convert to cash to use for bail money : my grandson being XXXX. Once I determined scam and refused to send I was left with uncashed/unredeemed cards- Unable to use. Google refuses to redeem or cash, restricted use to only digital games/movies and can not be used for Google hardware. As an XXXX year old Senior can not use {$2000.00} for digital games The Google play cards thus became a vehicle to laundering money by fraudsters and render Google an ac cessory to scam by refusing to cash or buy back from owner.

Have contacted Google Play CS onXX/XX/XXXX- thjey are totally inflexible about buying back cards or exchanging for something of value.
Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX
I hired somebody to fix my credit and they were disputing inaccurate infos on my report and  XXXX  disputed everything that 's on my report including a secured card I had through First progress bank for  XXXX  $ which I opened  XXXX /2016 I made the initial  XXXX  $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my  XXXX  $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account
After paying off the payoff on my loan Bank of the West send me another payment book for 11 payments. I tried dealing with this company about the total amount of my pay off without no regards they have not given me an answer just give me the runaround on the phone over and over and over and over again very stressful dealing with their customer service I filed a complaint with XXXX XXXX XXXX number XXXX the West never replied all I want is the title to my vehicle
A {$120.00} legal fee was charged because a levy was placed on my account. Contacted the source ( state of Mass ), I was told that inaccurate information caused state income tax fees and a levy was placed. Paid the amount the same day and contacted BofA who said the hold will come off the next business day. Hold comes off but now I have a {$120.00} legal fee. Called BofA to discuss the fee, but after explaining that not knowing the money owed and surprised with a levy ( Ill be asking my tax guy some questions ) and paying, all they said was that its a legal fee to charge for placing a hold. Is this even ok.
NationStar Mortgage is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.
Commonwealth financial is reporting against my credit score negatively and is reporting that the account is only 2 months old when in reality its been at least 7 years since I may or may not have used the services of   XXXX   XXXX   and fire department for an emergency situation. The debt should have fallen off my credit report by now. I am trying to rebuild my credit and am not against working with the collection agency but should not be shown as a new account.
I am not the one the company is attempting to collect a debt from. I continuously receive automated phone calls that do not allow me the option to stop contact. These calls happen at least twice a week, usually always on a Monday and sometimes on either Thursdays or Fridays ; happening since I received this new phone number back in XXXX 2016. The person these companies are trying to collect a debt from is not me as the name they have stated on the recordings/voicemails. I have added my number to the Do Not Call registry but that has not affected these calls.