WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX sent two emails stating reward credits in the amount of {$75.00} needed to be used by XX/XX/XXXX. I purchased an item using my XXXX XXXX XXXX XXXX credit card to use this reward for {$74.00}. I was advised the reward would appear as a statement credit. I called mid XX/XX/XXXX since the reward credit did not appear on my statement to dispute the transaction. I was provided a provisional credit of {$74.00}. I was then charged {$1.00} as a finance charge since the balance was not paid during the dispute but this was also provided a provisional credit. I was advised on the call during the verbal dispute that I would receive a call back from the dispute team. I did not receive any verbal or written communication so I called again two weeks later for the status and was advised the dispute was closed with no details provided. This agent opened another dispute with the rewards certificate number to the dispute team. Several weeks passed and I still did not receive a letter, email, or call from XXXX. I called again and the third agent now provided a fax number to provide supporting documents and this agent stated disputes attempted to letter the account and email and it was closed again. I received no such contact from XXXX. Fax with supporting documents and details were sent to XXXX with direction from the XXXX agent. Still did not hear anything for over a week and new statement showed a balance due so called a fourth time and agent stated fax was received but no additional details from the dispute team. I was assured I would receive a letter with the dispute details. XXXX has made zero effort to contact me to resolve this dispute and potentially cause negative impact to my credit if I did not continue to call about the provisional credit. I request XXXX XXXX to respond to my multiple dispute requests.
XXXX is stating that I owe a debt in access of {$660.00} dollars.and I am not understanding what the amount is based on.because still to this day of XX/XX/19 I am still with XXXX  phone service and has been.i pay my bill regularly on time every month..some has called me regularly stating that I owe and Ive told them numerous amounts of times I a still with XXXX  and pay my bill on time..Ive sent letters and attempted to call to settle this and yet still no conclusion and now it has been put on my credit ruining my credit score..please help me figure out what is going wrong..
I requested Equifax to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX  complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised Equifax upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. Equifax 's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with XXXX and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
I have received phone calls from Diversified Adjustment Services on numerous occasions, each time I have told them that they need to take my phone number off of their list and to never call it again. Once I start to make the said request the representative immediately disconnects the call. I have tried to call and talk to a manager regarding the issue, and all I get is a voicemail and no callback. I have tried to contact the corporate office, and once again all that happens is they transfer me to the exact same voicemail box. 

This company is not only in clear violation of the FDCPA, but they are also violating the national do not call registry. On top of that, they are using an autodialer system to call a cell phone.
National Recovery AgencyXXXX. XXXX XXXX, PA XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX NATIONAL RECOVERY Account Number : XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NATIONAL RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX
I discovered that an unauthorized ATM deduction transaction was made from my account. I reported it to the bank. The claim was denied next day. I called the claims department and the representative explained that the transaction was correct because my debit card has a chip technology and it can not be copied by theft. Can you please help me to return my money?
On XX/XX/2018 I paid an amount to settle a debt in full to USAA Bank, and the payment has cleard and was accepted by USAA Bank as complete settlement. A confirmation was recieved from both USAA and their third party collection agency ( XXXX ) confirming such. I have reached out to USAA regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely. 

Thank You
My servicer/lender has sent me an Escrow Account Disclosure Statement as required and in it they have changed some info that looks to dramatically increase my monthly payment for an inflated shortage that is mainly in the original cushion set in my escrow account. They are not giving me the appropriate credit for XXXX payment in the history and that is the inflation of the cushion only shortage. 
I am on a fixed XXXX income and we have a record of the only yearly payouts from my escrow account. I ca n't afford to bank money with no interest or actual need with them. The original cushion is not needed remain so high and I do n't get any interest for this excess. I understand the RESPA guide they used to set up my account in the beginning but I should n't have to maintain that figure ( {$390.00} ) as it is unreasonable with now knowing the required payouts for a twelve month period. I do n't have a shortage to meet my obligations in my escrow even with small changes ( ex. {$75.00} ) in my obligations. There is not a history of large changes of obligations in my previous years escrows for the 10 years in my home. 
I want to point out that I have talked with a supervisor named XXXX with Quicken Loans in the Escrow Department about this and he is not helpful. I have attached 1 photo of the original escrow document in my contract and 3 photos of each page of the new statement. Please see that the taxes are listed and due XXXX XXXX of each year and it shows that in the original document. My County collects both the city and county taxes and do not send out Bills until the end of XXXX after they get the rates established. XXXX confirms they send payment in early XXXX but he claims they take the money from my escrow in XXXX as reflected in item # 2 ( I understand they send bulk payments for many customers, not the issue ). This history shows only 11 months accounting and this is the change from original document. Item # 3 then goes back to the 12 month accounting, showing taxes payout in XXXX. All of this explains the inflated shortage they want to attribute to the cushion due to inconsistent accounting of equal monthly periods. 
I had a previous Harp loan with Quicken and they did n't send me an escrow document after 11 months asking for an increase in mortgage payment for escrow cushion. I have read the Form XXXX ( Missouri single family-XXXX/XXXX uniform instrument with XXXX, section # XXXX ) see 2 additional pictures, which gives information on 'Funds for Escrow Items '. This document discusses shortages in escrow account to meet obligations not shortages in cushion. 
I would like a refund of my escrow fund above a reasonable {$100.00} balance. In past years with previous servicer, I was refunded overages far above a reasonable {$100.00} cushion at the end of the year. I do understand that it is unknown what future insurance premium 's and taxes may be but will cross that bridge at that time. 
Thank you for your assistance in this issue and I look forward to its resolution before the schedule increase takes affect on XXXX XXXX, 2016. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit CardsXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance
CITICARDS CBNA, XXXX, XXXX XXXX, XXXX XXXX issued a credit card to a person who used my Social Security number without my consent. Had city bank handled the application appropriately, they would have seen that I already have a Citibank card issued under my name, and that I live in a different state from the thief who committed this fraud. CITICARDS should have flagged the application and called me to verify. Instead, CITICARDS mishandled my personal information ( social security number ) and validated to the thief, that my SS # was a good number by issuing a credit card to XXXX XXXX ( the name the thief gave ), who does not reside in XXXX, but rather in XXXX, XXXX Because I am in the process of finalizing a construction loan, I am always checking my credit score on XXXX XXXX, and that is how I found out that a new account had been opened XXXX. I immediately contacted CITICARDS and advised them I would be filing a police report. CITICARDS did not want to provide me much information other than verify that the card was issued to a XXXX XXXX who used my social security number and who had already charged over {$600.00}. I was transferred to the fraud department and since then, I have not been contacted by anyone from CITICARDS. My personal information was mishandled and CITICARD neglected to flag this fraudulent account. I would like to know what there policy is in processing online applications? Why the card was processed without properly verifying by contacting me, the person who 's social security was used? Why was this account not flagged when processed? Who authorized the issuance of the credit card? This has affected my credit score and has caused me to file police report, affidavits and fraud alerts with the IRS, FTC, XXXX Credit Bureau 's and now you. I have had to take time off of work to handle these matters and it is now turning into a nightmare because this thief has attempted to commit fraud a second time, but was stopped by XXXX which I purchased right after the first incident.
I have lost over XXXX employment opportunities because of Equifax reporting inaccurate/unverified information on my personal credit file. There erroneous reporting of account XXXX for the last few years I have been denied credit over and over again affecting my everyday life tremendously in a very negative manner. I have a family to support and because of this I am unable to obtain credit in areas to improve our life. 
I have contacted Equifax over 20 times regarding this and they rudely discard and ignore not doing anything. Please help, do something about these XXXX. - XXXX XXXX
After reviewing my credit report, saw a collection activity by Amsher collection Agency., Its for a XXXX cell balance I paid for in XXXX 2016. 
I 've disputed this bill thru the credit agencies XXXX and XXXX. I supplied the payment information. 

But I 'm still getting phone calls from Amsher. 
I want the harassing calls to stop and any and all collection remarks for this bill on my credit reports that I paid last year to be removed.
XXXX   XXXX   ( now citizens bank mortgage ) refused to refinance my mortgage since they want to keep the absurdly high interest rate on the books ( 8.125 % ). My  credit score  is almost  XXXX  but they continue to bully me into paying this high loan. My loan matures in  2020  and they wo n't leave my tackle the issue before then. They keep saying " call me 12 months before your loan matures ''. They know I have good credit and are just trying to collect the WELL ABOVE MARKET INTEREST RATE.
I received a federal loan and Navient is the liaison on XX/XX/XXXX. Last month on XX/XX/XXXX and XX/XX/XXXX for amounts of {$700.00} and {$600.00} respectively. I checked my account today on XX/XX/XXXX to make another payment and was surprised to see my unpaid interest was significantly higher than I expected. My payments were never processed for that loan. I have attempted to contact them and have not received an explanation as of yet. In searching for help with this, it appears I'm not the only one with misallocated payments.
Equifax has mistaken my former address which is the same with my current address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX instead OF XXXX XXXX XXXX XXXX XXXX, NY XXXX.Also they did n't report any employment history.I am employed at XXXX NY XXXX PHONE:XXXX.I 've been working in this location for almost 5years.Also equifax did n't update my credit score with FICO for two months giving me poor score while my score is fair with XXXX.I could n't understand that mismatch.According to XXXX my score is fair. and poor according to equifax.it was also fraud alert on my credit report placed on XXXX/XXXX/2015 for the XXXX time, the XXXX time was placed on XXXX/XXXX/2015.
I have disputed many items on my credit report.. All XXXX agencies have made some changes but never took any thing off as requested. They have violated the fair credit reporting act. XXXX worked on this account for more than 8 months and they never had XXXX item removed. At a cost over {$800.00}. Some items are still not decided on after a year. THEY KEEP TELLING ME THEY ARE WAITING FOR THE COMPANY THAT THEY REPRESENT TO EVENTUALLY SEND THEM SOMETHING. Every time they receive a dispute, they lower my XXXX score.
I have advised this company before that my identity had been compromised and they still fail to keep me safe. Everything on my report looks correct as far as i cal tell with the exception of a couple accounts that are not mine, however the purpose of this complaint is because i have not been seeking any credit yet i see inquiries on my report.
My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you
I had a divorce, house was given to ex. Deed is in her name. Divorce papers clearly states ownership. Chase Bank has kept mortage on my credit report for 8 years since divorce.
Loan # XXXX XXXX XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.XXXXWells Fargo Home Mortgage in the past has sent me some Pick A Pay Loan Disclosures that change depending who at Wells Fargo Home Mortgage is working that day. Now I dont know which document is real and which one is fake or our both documents fake. Doing this to home owners is called robo signing.Wells Fargo Home Mortgage will not give me a update on the status of my Loan modification application. 

Wells Fargo Home Mortgage has fabricated loan disclosures and now they are not sure which fabricated document to send in this complaint. 


I have made XXXX request to Wells Fargo Home Mortgage requesting copies of all original mortgage statements from the start of this loan because I do not have all copies of all my mortgage statements from the start of this loan. I need all copies of my original mortgage statements with the front and back copies disclosing all required disclosures in order to validate the debt and loan servings concerns. In a typed response Please do not skip this question. 


Are there in Corp Advance fees, Inspection fees, court fees legal fees, for this loan? If so on what dates? 

What is the status of my Loan Modification Application? 

Will you tell me what my loan option are? 

Who will be my single point of contact for my loan Modification? 

Please submit Name and address and phone of trustee/Investor for this loan for lending disclosures including fraud concerns. 

On what date did you receive my Loan Modification Application? 

Was my Loan Modification Application Approved or Rejected? 

I have not spoken to a Single Point of Contact will you assign me a new Single Point of Contact? 
Who is the trustee or investor for this loan? 
Please send me your Mortgage service agreement? 
XXXX XXXX
I have contacted XXXX numerous times in order to resolve the debt they are trying to collect in the amount of {$1200.00} from XXXX XXXX XXXX. I had XXXX protection on the account in the event something may happen. I received a XXXX that made me a XXXX XXXX XXXX XXXX Veteran that caused me to become delinquent on any lines of credit that I had open. I was never sent an initial collection notice in order to dispute the debt upon initial reporting. I have called, as well as emailed in regards to this and gotten nowhere minus a new negative mark on my report with each month since my initial dispute. When going to the companies website, it says that it is unable to retrieve details of the account. I am at a loss with this company and only wish to resolve this.