WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX letters sent to the mortgage institution in order to request the money is available, according to the monthly loan statement, and they did n't answer it.
I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XXXX and XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.
I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities.
I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,   XXXX   XXXX   and TransUnion. I have requested that the information be removed due to per Texas SOS debt collection must be Bonded, and although they are not a  3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the search resu lts.
I purchase my homeowner 's insurance since XX/XX/XXXX. 
I received a notice of escrow account statement on or about XXXX XXXX, XXXX although it was dated XXXX XXXX, XXXX. 
In the statement it shows that I will be charged {$5700.00} for HAZARD INS. 
I have my own hazard insurance with XXXX XXXX XXXX XXXX of Florida. 
The cost of my homeowner insurance is {$980.00} and it is paid for until next year XXXX/XXXX/XXXX. 
I tried to call Seterus since the notice. I have called XXXX many times. 
I was not able to speak with a live person. I left messages to call back. There was no call back. 
This forced placed insurance will be a double insurance on my house.
I have now tried THREE TIMES via direct dispute with Transunion, XXXX, and oh boy, XXXX! to have the account status of a PAID COLLECTION updated CORRECTLY. For SOME REASON, when I paid it off, it was updated as " debt included in or discharged through bankruptcy chapter XXXX '' " debt included in personal recievorship. '' I HAVE NEVER EVEN FILED FOR BANKRUPTCY LET ALONE COMPLETED ONE! I've called the creditor to have this removed, they swear they never reported it! I've disputed it THREE TIMES with the credit bureau who EVERY TIME swears, the creditor confirmed the information is correct! NOW I DON'T KNOW OR EVEN CARE WHERE THE DISCONNECT IS, I WANT IT FIXED! PAID COLLECTION! HOW HARD IS IT TO CHANGE THE STATUS TO " PAID COLLECTION?! '' IF YOU CAN'T DO THAT, REMOVE IT FROM MY CREDIT REPORT ALL TOGETHER! 

XXXX XXXX is the creditor. I have NEVER had SO many problems with something SO XXXX simple!
Caller calls my phone, family members phones, and my employer, even though they have been warned to stop calling because it is harrassment. They do not provide any proof of the debt, nor do they give any information about it. STOP CALLING and send original debt information to prove it is valid ... ..
To Whom It May Concern, I would like to call your attention that when I was reviewing my statement I realized that I was charged {$2.00} 12 separate times. I went to Apple Bank and to find out why I was charged and the Apple Bank accountant there explained to me that every time I use my debit card I will get charged {$2.00}. She also told me that I have to tell any store where I 'm using my debit card that it 's a credit card and sign immediately without putting in my PIN number so I can avoid the {$2.00} charge. Although, on my debit card it says DEBIT on the bottom and I was never informed about this {$2.00} fee when I opened my account. My family members all carry debit cards and they use it without any fees or charges. I want to know what the rules and regulations are when it comes to using my debit card and any fee that comes along with using it. I am being ripped off by this bank. 
My name is XXXX XXXX XXXX and the Apple Bank branch is on XXXX XXXX XXXX, XXXX, NY XXXX.
XXXX  refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company. They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting Adult Protective Services for help. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA
I received the check in the mail for secret shopping opportunity to evaluate the customer service at a MoneyGram location. After I completed the job a couple days later my bank said it was fraud. And they froze my account and would n't let me access my funds in order to pay my rent. I could be kick out soon.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX I have repeatedly requested information every month about this debt in writing only to be told that it is classified information that I need to pay it. They call all hours of the day, are very rude and vulgar, calling from many phone numbers. They have threatened Jail time, bodily harm, and to take out an ad in the local paper. They have demanded payment for {$5300.00} since XXXX 2012, every month I get the same letter. Every month I have sent in a written letter requesting information. Now they are calling my family members and telling them about this debt and threatening jail time for them if they do n't make me pay this debt. I have tried to work with them to get information and they refuse to give any information.
On or about Transworld Systems and XXXX XXXX XXXX are collecting on the same debt that I do not owe and have requested information on several occasions. I have never been provided with supporting information for the debt.
I called in and spoke with a respresentative by phone.XXXX and he was not able to work out arrangements with me. He mispronunced my name I advised him I was considering bankruptcy but I wanted to work out arrangements. XXXX then told me he will set up arrangements after I spoke with his supervisor for XXXX then he came back on the phone. Asked for my phone number and email and I advised that I would not be able to provide that information. He can only notify by mail only. He refused to take my payment arrangement after I told him I would report the business to CFPB. I will be looking to take legal action based on this call.
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 3. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
JPMORGAN Chase refuses to conduct themselves according to federal regulation with respect to unauthorized/Fraud charges and have replied these charges to my account. 
On XXXX/XXXX/2016 I went online to pay my Chase C.C bill ( due on XX/XX/XXXX ). Noticed numerous unauthorized charges, could not locate my card. I called Chase reported and disputed these charges totaling around {$7000.00}. Chase removed them and conducted their investigation. XX/XX/XXXX billing cycle passed without news, XX/XX/XXXX billing cycle passed ( two complete billing cycles ) without news. On XXXX XXXX, the charges were placed back on my account. My balance prior to these charges was around {$4500.00}, now it is {$12000.00}. Further, Chase has decided to report that amount to the credit bureaus. I made several calls without resolution or an explanation. Therefore, in XX/XX/XXXX I requested the COMPLETE investigation file and all information Chase investigators used to come to their conclusion, but Chase refused to provide that file. Therefore, I sent Chase another request on XX/XX/2016 for the Complete file. 30 days passed and still no file. I made several more calls and finally received the file on XXXX XXXX, 2016, well pass the time allowed. Additionally, the file provided contains only receipts with numerous different signatures that do NOT match mine, and delivery information from XXXX confirming no signature was obtained. However, Chase and fraud investigator XXXX XXXX, continue to ignore federal policy. As of today XXXX XXXX, all charges continue to be on my account, I have filed disputes with the credit bureaus and Chase has verified the balance of {$12000.00} as accurate. I will be filing a lawsuit on XXXX XXXX.
I deposited a check at Wells Fargo on XX/XX/XXXX at XXXX in the amount of XXXX. Was told that due to my account status that a small portion {$200.00} would be available on XX/XX/XXXX, another portion {$4800.00} on XX/XX/XXXX, then the remaining XXXX on XX/XX/XXXX. I spoke with the manager on the phone, I called the XXXX number and was told they could not change this. I have deposited a larger amount check with some funds available same day and all by the next. Have deposited several checks all from the same Legal firm with no problem As to the status of my account, I have no Leins or overdrafts. When I requested to close my account they refused and called the police. They are trying to disperse my funds at their discretion. So now I can not close this account and bank elsewhere until after XX/XX/XXXX when all my money is available per Wells Fargo. According to the Regulation CC on Federal Reserve. Gov. The max amount of time they can hold funds is 5 days and then have to prove why they are holding funds. They have proven nothing and are holding a portion longer then 5 days. This occurred in XXXX Co. at the XXXX XXXX branch of Wells Fargo and according to the Police Officer in the state of Colorado the branch manager is the Boss, he basically can decide what he can do with peoples accounts, the Managers name is XXXX XXXX.I will be reporting this to every agency I can. I am also going to seek any and ALL Legal advise and action available, including contacting the current Class Action Suit against Wells Fargo
U.S. Bank Branch XXXX XXXX XXXX XXXX 0.7 mi XXXX XXXX XXXX XXXX XXXX ) XXXX Opens at XXXX XXXX Auto loan we never received a written or e-statement from the bank. We have asked this two or three times We have filed complaints with California Consumer Affairs with the California Attorney Generals Office.

Payments have not been recorded, and we have to drive in person to pay the account without an account number. Why?
NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$300.00} NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$600.00} I have lived up to my agreement and nothing is owed by me. I understand that the property XXXX, XXXX XXXX, was quite annoyed by the complaint I submitted to her home office about her, but there was no need to engage in a petty attempt at retribution against me and costing NCC to service a fictitious bad debt note. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XXXX/XXXX/XXXX Monthly payments of {$850.00} were due on the first ( 1st ) of each month, and considered late on the sixth ( 6th ) of each month. 
And, as the original lease reads, the monthly rent was a flat {$850.00} XXXX see attached XXXX XXXX XXXX. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX
On  XXXX   XXXX ,    2017  I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.
I 've been trying to close on my property and have a willing buyer. Time is of the essence and I am also in bankruptcy so I need it to close. I have asked green tree to submit payoff information multiple times. I made a payment in this loan XXXX XXXX, 2015 and asked for a payoff for XXXX XXXX at that time. It 's the XXXX of XXXX and their attorney does not have it and I have not received it nor did my title company. I 've called multiple times. I 've emailed them. What else am I supposed to do? They act like time is not of the essence, yet they are the first to send threatening letters when they do n't get a payment. They have no clear way of ordering a payoff or knowing that the order is being processed. The end result if I do n't get this payoff by tomorrow is I 'm going to loose my buyer and the property will go into forclosure all because I 've been trying to contact them to get a payoff that they do n't seem to want to provide or are too incompetent to know what to do. How is it that I have spoken with XXXX different people at green tree and none can give me an answer about my payoff? Do n't they want the property to close? Is time not of the essence for them in this real estate transaction? this company is about the most incompetent financial institution I 've ever dealt with and certainly do not have customer service as a priority. You would think they would have payoff information at their finger tips.
Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these 2 credit bureaus succesfully. XXXX on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with XXXX  I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

XXXX report # Report Number : XXXX
I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. 

Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. 

I contacted Chase and asked it to refund the charged interest, it has flatly refused.
I was XXXX of the unlucky homeowners whose mortgage was sold to Ocwen Loan Servicing when GMAC filed for bankruptcy. Since then, I 've had constant escrow shortages. Last year, I asked Ocwen if my taxes and homeowner 's insurance could be taken out of escrow, so I would n't have to pay for a so-called shortage, or a cushion. My request was denied. After receiving yet another shortage notice this spring, I decided to switch my car insurance from XXXX to XXXX XXXX, who insures my home, and this resulted in an approximately {$600.00} drop in the cost of my homeowner 's insurance. 
I then received yet another escrow analysis from Ocwen, stating that my anticipated escrow payments for the next year total {$2600.00}. My property taxes are {$730.00}, my homeowner 's insurance is about {$1200.00} - Ocwen is basing estimated payments on the OLD insurance premium of {$1800.00}. 
I again requested that my escrow account be closed. I want to pay what 's due. I do n't want to pay an estimated amount, or give Ocwen an interest-free loan to pay their XXXX dollars in fines. The denial letter just arrived ; I was denied due to " investor requirements. '' I am done dealing with this company and their incompetent overseas customer service. One of their reps said to me, " That shortage is only costing you about {$50.00} a month. '' I do n't care. That 's a tank of gas, or a few weeks worth of groceries. 
Thanks.
Trinity Financial Services, LLC a collection company formed in XX/XX/XXXX invests in distressed XXXX loan mortgages caused by the collapse of the housing bubble in XX/XX/XXXX. Because our home was over XXXX underwater XXXX XXXX XXXX through " Making Homes Affordable Program '' helped us keep our home by charging off our XXXX loan and restructuring our XXXX loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off XXXX loan mortgages at pennies on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's nothing more than a method of strengthening their position by gathering all of your personal information. It would have been ideal had they notified us in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but they chose to wait until XX/XX/XXXX, during the recent housing spike, to contact us in order to resolve this matter because it was in their best interest to do so. I blame XXXX XXXX XXXX for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED!