WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX negative accounts on my credit report from XXXX XXXX Bank, XXXX, and those XXXX accounts have been on my credit report since XXXX. However, in XXXX XXXX, I received XXXX XXXX XXXX Cancellation of Debt forms from XXXX XXXX Bank. I had to pay taxes on the cancelled debt and XXXX XXXX Bank received a write-off on their federal taxes. I informed each of the credit bureaus of this issue and sent copies of the XXXX XXXX forms. I requested that the negative accounts be disclosed as charged off or completely removed, because I had to pay over {$2800.00} in taxes by adding {$2800.00} to my income, and my income was already over {$70000.00}. I understand that I failed to pay my credit cards in XXXX and I accepted having the negative accounts on my credit report ; however, when the debt was cancelled and I had to pay taxes on the debt and XXXX XXXX Bank received an XXXX deduction for the write-off of the debt the aforementioned debts should have been removed from my credit report. No XXXX citizen should have to pay taxes on his or her debts and still have the debt appear negatively on their credit report.
I have twice paid to have a credit freeze removed from Equifax and they will not lift the freeze and do do not respond to online inquiries. This company should be driven out of business by the Feds they are defrauding people. XXXX and XXXX are never a problem. Only Equifax
On XX/XX/2018, I lost an item/code for {$2500.00}, after the money was deposited, i transferred the item to the buyer. Couple days later, I see that my account is frozen and has a negative balance of - {$880000.00}. I received no call, no email, no text from Bank of America regarding why my account was on hold. After i call, they said that the buyer is claiming that the {$2500.00} was an unauthorized transaction from his account and that a fraud investigation will be underway and will take 7-10 days to complete. I called multiple times after that for any information and to have the - {$880000.00} removed so i can pay my bills. After days of calls and agents, it was finally removed. I did not receive any information on the investigation until XX/XX/XXXX. which is over the 10 days and they sided with the buyer and agreed that it was unauthorized and fraud and i had the {$2500.00} withdrew from my account. If the investigation proved to be fraudulent why am i not protected? Why am i the one being punished if their investigation showed an unauthorized transaction?
XX/XX/XXXX we received a mortgage modification through the federal making homes affordable act. Later that year we had to file chapter XXXX. Because we were in bankruptcy our mortgage company stopped sending us statements. We continued to pay the amount specified in the modification and everything seemed fine. 

XX/XX/XXXX I logged into the banks website and the payment due had doubled. We had no idea why so we contacted them. Their help was minimal only saying there was an escrow shortage. We demanded an accounting of the account and a month later we received it. 

The document showed that XX/XX/XXXX some {$2400.00} had been pulled from our escrow account marked as 'POS escrow shortage '. When we contacted them to ask what that was for they could n't give us an explanation. 

It should be noted that XX/XX/XXXX we converted our chapter XXXX to a chapter XXXX. 

From XX/XX/XXXX until now we have continued to pay the modification payment while attempting to get an explanation for this missing money. They continued to demand double payments and continually put the payments we sent in into 'suspense ' all while demanding this extra money. 
XX/XX/XXXX their attorney filed a motion with the bankruptcy court to allow them to file for foreclosure due to us supposedly being late. When our bankruptcy lawyer sent a letter to their attorney demanding a accounting of the missing money they got nothing. Their attorney eventually tried to get the motion he had filed dismissed stating to my attorney that the bank had ignored his request for information about the missing money. 

My attorney brought this up with the judge today but the judge stated he would n't rule on it since the bankruptcy was going to be finalized within a week. He told my attorney he could bring this up in a state court ( during another foreclosure case ). 

So now we are stuck and within the next two weeks the mortgage company will be able to file for foreclosure even though they outright refuse to tell us where this money went. I have done an escrow sheet without the {$2400.00} removed and there is literally no shortage whatsoever. 
We have almost no means to fight this and especially since the mortgage company refuses any and all requests to account for the missing {$2400.00}
I have some inaccurate information on my credit history. I haveaddress changes that do n't apply. And I have never changed myname.
I paid {$980.00} for a website, logo, & web hosting on XXXX/XXXX/XXXX on my Chase Visa card. I indicated that I wanted the website online by XXXX XXXX. XXXX agreed. I made repeated requests to XXXX to see the website, even if it was unfinished. Those requests were repeatedly denied and ignored, verbally and via email. After emailing, calling and texting XXXX for a week, I decided to terminate the business relationship on XXXX/XXXX/XXXX. I did a charge back with CHASE Visa for {$980.00}. Days later, I reached a settlement with XXXX where I would pay {$360.00} for XXXX to finish the logo ( unfinished at time of termination ) and for web hosting ( completed at time of termination ). I indicated that I would not pay for a website I had never seen, despite repeated demands to see an intermediary or final website product. XXXX agreed. Months later, CHASE Visa ruled in favor of XXXX and sent the {$980.00} back to XXXX, explaining that XXXX proved work had been done on the website. XXXX and I both know that a website has never been produced or delivered to me as the paying client. I did n't pay money for XXXX to allegedly work on a project and never deliver a final product. I, the paying customer, have never seen any work that was allegedly done on the website from XXXX XXXX to XXXX XXXX. There is no signed contract for this agreement to provide services. XXXX has been unjustly enriched to my detriment and Chase facilitated this fraud by returning my funds to XXXX, who failed to deliver the agreed upon service and product.
I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns.
I received a denial letter from Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
- I never applied - I called to raise this concern. They checked and responded that they have no record. 
- My concern is How this happened and also the same could happen with other credit card companies. Is there any to monitor/stop it?
I have vehicle that is a XXXX XXXX XXXX. I was told that my last payment would by XXXX but when I called santander consumer usa. On, XX/XX/XXXX I was told I have to pay XXXX. The company keep adding Fees not able to explain the break down of fees such as intrest also. I have noticed that my maturity date keeps changing. On XX/XX/XXXX I requested a pay off quote. What was stated is that I have 16 Days to pay off the pay off quote which is way higher then our final pay off amount.I stated it seems like I 'm being penalized for requesting a payoff amount they said no ma'am your not But that 's not what it sound like to me when things were explained. I do have recordings of the last two reps that I spoke with at santander consumer Usa. Also I have screen shots of my payment history, intrest and also how my maturity date keeps changing which means this company is adding on mics. Fees to my account causing my husband and I to pay out more. At this point this company is causing pain and suffering because the company is taking more money out of our pockets then tey should causing us to fall behind on other bills trying to keep up with this bill. I have tried to get the correct account balance that I know is supposed to be paid off for the last and final payment by XX/XX/XXXX but my husband and i know for sure the last and final payment will be paid on XX/XX/XXXX@XXXX est. This company has been sued for underhanded and dishonest practices and at this point My husband and I have proof of everything and want to begin to take legal actions against this company. So please if possible can someone send my husband and I in the right direction to go, to take legal steps. My husband and I have been ontime with all our payments never late and we have been loyal consumers but this company has not been loyal to us.
SENEX COLLECTION REPORTING ON XXXX CREDIT REPORT A COLLECTION WITH XXXX HOSPITAL WHICH IS NOT MINE..ONLY DEAL WITH XXXX IN THE PAST XXXX..ON XXXX ....
I have multiple dispute issues with XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX and TransUnion for XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XXXX XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment on XX/XX/XXXX would be for you to furnish XXXX bank statement proving when my payment was accepted. Congress states in XXXX v TRANSUNION XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
I sent a check to pay off the debt for about XXXX . The money was even cleared from my bank account shortly after I sent the check and I am still being charged. It 's only a {$32.00} debt, if I had n't already paid it then it would not be an issue. However I already took care of this payment.
Nationstar Mortgag e Company recei ved paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do so  Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30 a nd 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX
there is a XXXX XXXX account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.
In XX/XX/XXXX I contacted the company and explained that the balance is still reporting incorrect on my credit report. My account was sold to a third party vendor, and in XXXX my husband agreed to pay around 1300, we paid {$650.00} and the company never corrected the balance on my credit report. Also when I called them they said that even though I paid they would not send me a receipt for the payment I made and also would not correct the balance on my credit report until I paid the remainder balance. I contacted the credit bureau and they claimed the error is correct.
I am contacting you again about XXXX XXXX XXXX for the 4th or 5th time. I have been forclosed, and now dealing with a company for a cash for relocation package. The offer is {$4300.00} and I asked for the max. of {$10000.00}. I asked for the max. because of the previous complaints have never been resolved or fairly addressed. The company is XXXX and they say they " are not Ocwen and that Ocwen is just their client ''. I now clearly see that they are one in the same. They are " in bed with Ocwen ''. Ccwen clearly knows that they are cheating me. They did extend my time to vacate until XXXX XXXX, and I 'm grateful and thankful. They did not give me {$10000.00} and I 'm very angry and feel so violated and humiliated by the {$4300.00} offer, but I accepted knowing that I would continue to seek my stolen money from Ocwen afyer I vacated. Here is my new complaint, upon receiving the documents, there is a # XXXX.on the rules that frees Ocwen from any futher claims or liabilities in the future or the past.UNBELIEVABLE Now I see why when I sent the proof to Ocwen they said they did n't respond. They are one in the same ( Ocwen and XXXX ) Here are facts on my issue. 
1.A history of XXXX-XXXX servicers throughout loan, and I have recepts of checks that are not listed on payment history that I did n't receive credit for and Ocwen has the proof, the copies of the cancelled checks. 
2. When the house was in XXXX different bankruptcy cases, payments that were allocated from the trustee to the servicers ( XXXX additional servicers not including Ocwen ), is not credited on the loan. I have pointed this out to Ocwen and sent proof, and they refuse to do anything about it. 
3. They illegally forclosed, added a new bank without notifying me of the bank. 
4. Refused to offer the XXXX and only offered XXXX 5.I am now homeless, have a income of {$1200.00} a month. My spouse is a XXXX veteran and is in a medical facility and his total income goes to that place. 
6. I keep asking for the XXXX amount and they refuse to give it to me. So now, Ocwen will set us up for a bad tax liability, that will probably take up further downhill. Basically they will still from us for the second time on the XXXX! 
6. NOW THE DOCUMENTS THAT I 'M SIGNING TODAY ( DEDADLINE TODAY ), I HAVE TO GIVE UP THE RIGHT TO GO AFTER THE STOLEN MONEY AND LOOK FORWARD TO ONLY XXXX INSTEAD OF XXXX! BUT HOMELESS, I HAVE NO CHOICE, TO TRADE A THEFT OF XXXX XXXX FOR XXXX! I SEE WHY OCWEN NEVER ADDRESSED THE MONEY! 

THIS IS THE AMERICAN DREAM!
This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
XXXX XXXX was paid in full years ago. My insurance covered most of the amount and I paid the rest. I have cancelled checks to prove it. 

Last year they sold the amount I had already paid to a collection agency. I disputed it and it was removed from the credit reports. Now, today I am notified that they have sold the same amount to another Collection agency. My credit score dropped over XXXX points in one day. 

This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.
I   XXXX   I was laid off a job I had for 6 years. When the lay off happened I had just purchased my home so from   XXXX   to the current I have been struggling to pay me monthly mortgage. I filed for Bankruptcy so that I could try and find a job that in the field that I was in so that I could get increase my income. I have applied for a loan modification around 4 times and now I have requested a loan forbearance for a period of time this will help me tremendously.
Discover issued a card to someone else in my name, they are responsible for allowing the identity theft by not confirming the person was me. I have spent many hours fixing the problem they are responsible for.
This is so agrivating paypal, which we currently owe has been calling us as early as XXXX XXXX est and as late as XXXX XXXX est sometimes they call as much as 8- 10 times per day even after I talked to them and asked them " please check the time before you call us as its way to early or way to late at night and is illegal to callus like that! " so far theyve been very nice and professional about everything except for their calling tactics
This company has contacted my family, my job, and me after they were given a cease letter over a month ago. Also, I have been working with an attorney to file bankruptcy after my divorce and they were notified if this. They have been bothering people I know to give them information as to where I work, etc.
There is a collection account on my report that is not mine, I have sent affidavit and police report stating that someone is getting medical bills in my name. Please delete the following XXXX XXXX XXXX XXXX Account.
{$5700.00} of fraudulent charges were made with my credit card between XX/XX/2018 and XX/XX/2018. {$2800.00} of these charges were credited back to us in a timely manner by USAA. The remaining {$2900.00} of fraudulent charges has NOT been credited to us, despite numerous attempts at resolving the issue with USAA ( through phone calls, online chats, emails, online document uploads, and a letter delivered via USPS certified mail ). Details of our attempts at resolving this issue with USAA are provided in the attached supporting documentation. In addition, USAA has been charging us interest for non-payment of the remaining fraudulent charges. 

All of the unresolved fraudulent charges were reported on an additional page attached to a signed affidavit submitted by us to USAA in early XX/XX/2018. It appears that this page was over-looked by USAA 's fraud department. We have attempted to bring this to their attention by several phone calls and written methods of communication but have received absolutely no response from them. In our last attempt at communication with USAA - a package of documentation delivered via certified mail - we specifically asked that USAA acknowledge that they received the information and were working on resolving the issue. We still received no response.
My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX  The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Bogus Late Fee Charges  from Navient Student l oan. The amount bellow is for a bogus late fee. I have never been late. I have always taken the appropriate measure to defer or be  on Income base. Navient is playing games alleging that this o ccurred in  XXXX . This i  s False!
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here 's a snapshot of your monthly statement.
Total payment due : {$85.00} Due da  te :  XXXX / XXXX / XXXX
Physicians Credit Bureau # XXXX I have XXXX unverified accounts from Physicians Credit Bureau. I had previously disputed this account. I have never done business with Physicians Credit BureauPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Physicians Credit Bureau and I believe it is a HIPPA Act violation. I request that Physicians Credit Bureau Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Physicians Credit Bureau Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumbersXXXX
Western Union is denying money transfers services between myself and XXXX XXXX in XXXX. The money that I transfer is from Social Security and part-time employment as a Customer Sales Associate for XXXX XXXX XXXX in XXXX, XXXX. All money transfers that I send are intended to pay for rent, food, medical care and comfort for XXXX, my XXXX yr old biological son, XXXX XXXX XXXX XXXX and her XXXX yr old daughter XXXX XXXX XXXX. My intent is to marry XXXX. Our XXXX Attorney was not able us annul so I unknowingly left XXXX XXXX pregnant in XXXX and returned to XXXX to for XXXX Immigration, and Legal Help needed for money, healthcare and legal representation so we can marry ...
I have no copy of original agreement or past record of payments I made.the credit card is in default and now being collected by a legal firm. I believe the amount is incorrect, but I have no record of payments as defaulted credit card used for payments. how do i get past statement on a default debt.I was XXXX with a XXXX XXXX and all record were lost.
I payed my Credit Card Balance. It did not post until 1 day after the due date. I did not realize this. The company proceeded to charge me late fees, that I was not aware of. This happened again the next month due to balance from original late fees, again not aware. Company refuses to re-credit late charges.