WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I paid Experian {$4.00} for a XXXX score. There was NOTHING that indicated that I was signing on for anything other than that score. Today, I noticed that XXXX was charging my debit account {$19.00} for Experian. I called XXXX, and they told me there 's been a monthly charge of {$19.00} since XXXX. They called Experian, who said they would credit {$19.00}, but no more. XXXX said, with further investigation, they MIGHT be able to get a total of {$59.00} XXXX for XXXX, XXXX and XXXX XXXX. They said they could not go back to XXXX because their liability did not allow them to. I called Experian, who said they could only refund ONE month of {$19.00}. When I said that I never authorized or signed for anything other than a {$4.00} XXXX score, the representative claimed " It was on our website. '' I then inquired that if I had signed on to some long-term contract, why had n't I receive a confirming email or review of exactly the service and terms to which I had committed. She reiterated that she could only refund {$19.00}. I asked her again for the total refund of {$79.00}, but she refused. To this moment ( and I was on with XXXX and Experian for a better part of an hour ) I have NO idea what the {$19.00} monthly charge was for, or what benefit or service I was receiving for that money. I believe this is an underhanded manner to get people 's credit or debit card information and surreptitiously charge them. I told Experian I expect the full refund because I was never informed of the charge or service, and never asked for the service. Thank you for your assistance.
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted paypal and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one paypal account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed paypal about the issue so I would have written documentation of the issue at hand. I finally got Paypal 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from Paypal ) called from XXXX, XXXX XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though Paypal says it's not.
I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know. Told them I did auto pay. They said It does n't show on the account and then I said it should because I did it XXXX online and they asked that I set it over the phone with them. That they recommend I do it over the phone because of issues of setting it up online. So, I set it up with them and they confirmed and I even received a letter saying I was enrolled in there autopay and the citi card rep over the phone said I now have auto pay and the payment will be taken out the checking account for the next statement. I gave at XXXX XXXX XXXX. My complaint is why is n't there autopay working online or over the phone? Because of this I have been late on my account XXXX months in a row because of CITI is not honoring there autopay agreement and not processing my payment for auto pay. By them not doing this it has cause me to be late and have accrued late charges every time. Not to mention my credit score and credit reputation with Citi. I urge Consumer Finance to please investigate to see if anyone has had issues and investigate there business practices. How do I know there not trying to make me late to up my APR percentage or/and identity theft from their Citi representatives who have all my account information over the phone and the auto pay still did not work.
On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you
I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
REF : ACCT # XXXX On XX/XX/2018 I processed my first Payment on a used truck in the amount of {$520.00} because the bill pay payment I had set up through my credit union did not process and I did not want a failed payment on my record. On XX/XX/2018 Bank of America processed an additional payment of {$520.00} causing an overdraft ti my account. I am a Single parent and a 100 % XXXX Veteran and unemployed. I do not have the means to make double payments and this additional payment placed my and my daughters existence in jeopardy. When I became aware of the double payment on XX/XX/2018 I notified the auto loan department and requested they reverse the unauthorized additional payment. I was told by the original person I talked to in that department that I needed the Payment reversed and returned to my credit union by ACH withdrawal as they had taken it as it had over drafted my account and left me with a ZERO balance and was told that a check would be mailed and he rudely hung up on me. I called back on XX/XX/2018 and spoke to a lady named XXXX of XXXX. she advised my credit union had to verify that the account was overdrawn and that they would not refund the money. I received the letter she requested from my credit union and  sent it immediately by email. She promised that she would expedite the payment upon receipt of the letter. My records indicate she received the letter by email within 30 minutes. After payment was not received I called Bank of America back on XXXX XXXX and was told the check was mailed from Delaware on was on its way. I was also told that they were waiting on verification from my credit union but the check had been mailed, I explained that I had sent it to XXXX by email and it was received. I called back on XX/XX/2018 and told my check would be mailed on Monday XX/XX/2018 from Florida. Florida is where our mail distribution center is located and usually mail received there is processed and delivered next day. XX/XX/2018 I again called Bank of America and was told my checked was mailed on XXXX XXXX from XXXX, Florida our mail distribution center. As of today XX/XX/2018 I have not received the payment mail is delivered next day after receipt at our distribution center in XXXX, Florida. Bank of America is not being truthful and has deliberately holding my much needed money.
I was given a loan for {$110.00}, upon arrival to pay the loan, the amount loaned was changed to {$XXXX}.
I am writing this letter about mistreatment by American Southwest Mortgage and I contacted them for assistance with my mortgage payments and the loan being serviced by XXXX Mortgage XXXX and dealing with XXXX XXXX - Loss Mitigation Specialist and she advised that American Southwest Mortgage will only consider extend the terms and I asked for other options and she said a person by the name of XXXX XXXX with XXXX XXXX Mortgage spoke with the CEO and he agreed with the decision and I called XXXX and called the CEO spoke with XXXX and she advised that the XXXX does not speak to customer and I stress to her how important it is for me not to have any late and now they are reporting on my credit the XX/XX/2016 late and due that my job could be in jeopardy and I made a principal and interest payment and I asked XXXX over and over about my credit and now I could lose my job due to that late and also my house because they would not even consider any of the options and the reason I am having problems, please look into how they treat there customers when it comes to seeking help to keep your home
BYL collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature
I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated a few weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years. They have acted hostilely to me for years and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.
This debt collection company has had this account on my record for years and I was not aware as I was not paying very close attention. Now that I am paying attention to my credit and clearing it up, I asked them to remove it as did the original creditor XXXX-who the debt was paid to- and they refused until next year. No payments were made to this company and the original creditor even called them when the account was paid off and removed the account from them and has since sent another request ( in the last 60 days XXXX to remove the account to which they still refuse. This is a tactic that is hurting my account and they refuse to abide by the creditors request or mine to have the account removed and so I am taking the next step in a long drawn out process. I want this collection off of my account before next year
asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau.   XXXX   XXXX   XXXX   has the incorrect birth year for me and I believe this belongs to someone else.
to start with I was under a chapter XXXX in XXXX XXXX, I just made last payment and was fired from my job. I called XXXX XXXX XXXX and informed I was unable to make payment, they told me they has n't received the discharged letter yet. it took about 8 months for them to get letter. then we started paperwork for refinance numerous time paperwork was sent to them always with something not right or missing. this went on till about XXXX XXXX. I told them I had been identified as a XXXX veteran next thing I know, I 'm dealing with Select portfoilo. again same result told them I was trying to get a refinance. again same run around missing paperwork, information not right. here again I have got another notice of sale while I am again trying to do a refinance. the latest paper states, they want me to make 3 monthly payments of about XXXX and once this is accomplished they will try again if they have all paperwork, meanwhile I have received a letter of a foreclosure sale.
In XX/XX/2005 I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse.
My mortgage company Freedom mortgage can not seem to be able to pay my property taxes on time. Where I live my property taxes have to be paid before the XXXX of the year and at the city before the XXXX of the year. Freedom Mortgage does n't seem to understand this or care. Last year they cut the check on the XXXX, but did n't mail them until the XXXX of the following month. This year they did n't issue the check until the XXXX of XXXX and the city did n't get them until the XXXX of XXXX. Because of the fact they can not get my tax check out in the mail before the end of the year I can not claim my property taxes on my income tax return. When I called about this they said as long as they get them to the city before the XXXX of XXXX they are not late and there is no issue. They just do n't get the income tax issue and they are a mortgage company? One person there told " What is the big deal, just claim it next year ''. Another told me that they issued the check on the XXXX of XXXX and mailed them on the XXXX. How can that even happen!! 
All I ask of them is to issue and mail out my property tax check before the end of the year so that I can rightfully claim them on my income tax return that I escrowed them in.
Contacted me at my work place on XXXX/XXXX/2015 at XXXX and I told them that I could n't speak due to me being at work and that I would contact them when I was XXXX to speak on the phone. I get a phone call from my brother at XXXX am telling me that he just got off the phone with the debt collelctor and that they disclosed who they where, what compant they work for, and that they where looking for me to try and collect on a debt that is owed and by what company the debt was for. They asked if he knew of away to contact me and that if he could pass a message along to me as well. I called them back at XXXX am asking why they disclosed confidental information to my brother and why did they contact me at my place of work. They told me that since they are collecting a debt that they can contact whoever they need to. I asked them to please not contact me at my place of work anymore becasue my manager has a problem with it and I got written up at my job because of there call. She told me that it was n't her problem and would n't explain to me where in the FDCPA that it says thats acceptable. She got very rude and nasty started to shout at me before hanging up in my face. Before she hung up on me she told me that collection methods would pressme the way that they have been doiong them and that if I did n't call them back by XXXX eastern time today that they where going to send my file to my local state office for writing a bad check.
I have contacted The Court, they said it was an computer error that reported me having bankruptcy for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The court said they did not verify or validated information, see attached letter
In XX/XX/XXXX I signed up for the American Express Starwood primarily for the XXXX  Starpoints offer if I spent {$3000.00} within 3 months. I had this card previously but reviewed the offer details and it did not indicate anything that would make me ineligible. We ( my wife and I ) began using the card and I checked the statement after we had spent the required amount in the required time but the bonus starpoints were not listed on the statement.

I called American Express on XX/XX/XXXX and after explaining the situation and a few people researched I was told I was not eligible due to the pervious card I had ( which had received a bonus at some point around XX/XX/XXXXand had been closed in XX/XX/XXXX ) with the company. I stated that no such statements were in the offer ( though I did look at their current offer and it did have that verbiage as of XX/XX/XXXX ) and I had all my paperwork which i review again and no exclusions were listed. Below is my interactions with American Express since that time : XX/XX/XXXX - Filed a complaint ( conf # XXXX  ) which would review the offer which could take 6-8 weeks but was told to call back in 4 weeks.

XX/XX/XXXX - Called for an update was told to fax/upload my offer paperwork and agreement XX/XX/XXXX- Uploaded 18 pages agreement - offer details, agreements, supplements etc.

XX/XX/XXXX- Called to confirm upload and was given new case id ( XXXX ) and was told to call back in a week for information XX/XX/XXXX- Called back and was told it will take 4-6 weeks to review XX/XX/XXXX - Called back was told still open and 'investigations ' take 6-8 weeks to review XX/XX/XXXX - Called back was told being worked on no update but would be emailed this month XX/XX/XXXX - Called back case still open but no definite timeframe to resolve but usually 2 billing cycles At this point i have no faith that anything is being done due to conflicting information on process, timeframes and resolution.
NOTICE OF ERROR AND REQUEST FOR CORRECTION Chase This is in response to your letter dated XX/XX/XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of Financial Center that initiated the contracts ) on XX/XX/XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XX/XX/XXXX 
3. The rescission was proper, timely, and unchallenged by Washington Mutual in " XX/XX/XXXX ''. 
4. XX/XX/XXXX I put a copy of the same written request in the hands of XXXX of CHASE BANK. Chase did not challenge the rescission in XX/XX/XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XX/XX/XXXX were rescinded and extinguished XX/XX/XXXX. 
7. Chase did not acquire servicing rights from Washington Mutual on XX/XX/XXXX, as there were no loans to service. Chase can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by Washington Mutual FA against my property were effectively rescinded in XX/XX/XXXX and were not a part of Washington Mutual 's receivership by the FDIC in XX/XX/XXXX. 
9. Chase 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to XXXX is unconscionable. 
10. XXXX has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of XXXX '. Fannie Mae had a record of the loans with their corresponding numbers from Washington Mutual from XX/XX/XXXX. 
11. XXXX does not service or recognize the above listed Mortgage contract identified with ID # XXXX. Chase must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. Chase needs to remove the deceptive assignments of Security Deed as Chase did not acquire ownership to convey to XXXX. XXXX gained ownership of the defective paper in XX/XX/XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
Chase has yet to put in the public record that # XXXX no longer secures anything. Loan # XXXX has a zero principal balance. 


XXXX
XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX Transunion : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
On XX/XX/17 XXXX XXXX XXXX put a collection on my 3 credit bureaus amount of {$620.00} i have never had a XXXX account, and i ca n't proof them that this is not my account, i need help to remove this from my credit report.