WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX ( formerly XXXX XXXX XXXXl ) submitted an escrow analysis for XX/XX/XXXX that duplicated insurance amounts for the house. I spoke with their insurance department on XX/XX/XXXX who admitted their error. Since then they appear to be unable, unwilling to do a corrected escrow amount. Here is a record in a copy of correspondence to them. I also spoke with them yesterday ( XX/XX/XXXX ) but got no response or resolution : Happy XXXX XXXX, I am writing out of frustration due to an unresolved issue. When my account was transferred from Guaranteed Rate to you this past year, your company double booked the escrow required for insurance. This resulted in a over statement of the XX/XX/XXXX shortage AND payments for XX/XX/XXXX, resulting in a 13 % increase in my monthly payment. I have been trying to get this resolved for nearly two months. In the interim, I have paid the new payment amount in good faith. 
Here is a record of the attempts I have made with XXXX XXXX since receiving my escrow analysis in early XXXX : XX/XX/XXXX - confirmed the appropriate insurance amounts and payment with my carrier, XXXX. 
XX/XX/XXXX - called your insurance division and spoke with XXXX, who confirm that there was an entry error on the part of XXXX XXXX which she would correct and forward for a new escrow analysis. 
XX/XX/XXXX - follow up call to CS rep Ms. XXXX at XXXX XXXX. I was told " these things take time '' and I should check back in a week or two. 
XX/XX/XXXX - follow up call to C rep XXXX who advised nothing had been done although she saw a note about it in the file. 
It is XX/XX/XXXX and the lack of response or action on this is beyond my understanding. Is there someone there who can help? 
XXXX XXXX XXXX XXXX My call to them on XX/XX/XXXX was also unsuccessful.
I have had an account with BB & T since 2014. I had moved as a result I had limited funds in the account. During my move I had experienced a burglary and vandalism which caused me to loose out on some of my income. Due to the circumstances I was in need of some money. I withdrew {$40.00} from the ATM. Approximately a week later I received a notice from the bank advising me that I needed to pay the bank {$140.00}. They explained this was because I only had {$12.00} available during the time I took the money. I apologized and explained that I was not sure what I had, however I was really glad that I had access to it being that I needed gas for my car. I agreed to pay back the {$35.00} since this was the amount I took including service fees. I explained that due to the circumstances that I had faced I did not have over {$100.00} as they had requested. I have a police report of the circumstance that I faced at the time XXXX XXXX Police Department. I also had explained that I was not aware of any overdraft fees that would be incurred being that usually when you get money from the ATM it does not give monies that are not available. I need some assistance in resolving this issue because I do not owe the bank the monies that they are accusing me of and I need for them to accept the monies that were used and nothing extra.
I noticed inquires on my credit report with business that I have not done business with as a result these inquiries are affecting my credit score in a negative way.
I have XXXX XXXX charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. XXXX and Equifax refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the XXXX or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the XXXX and never took that money and put it towards what I owe. they got the XXXX and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.
Global Credit and Collection Corporation continues to call my cell number XXXX to discuss a debt I owe. They have also reached out to my ex husband to discuss my debt, which is a clear violation of my rights. When I ask them to send a letter to validate amount and debt I owe and to stop talking to third parties about any of my debt, I receive a letter from XXXX XXXX, stating they can not locate my account. How is that possible they can not locate the account with my cell phone number XXXX, last XXXX digits of my social security number : XXXX, my address : XXXX XXXX XXXX XXXX, CA XXXX, etc. Is this company not keeping accurate records of who they are contacting? I called XXXX XXXX with the letter they provided me. This person does n't exist at : XXXX or XXXX. So, this leads me to believe they are scamming and breaking the law.
I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.
On XXXX/XXXX/2015 i removed the freeze on my XXXX credit reports and applied for a Capital One credit card. I was approved with a {$15000.00} line of credit within 5 seconds and was told i would receive my card within 2 weeks. 4 days later i received a call from " someone '' from Capital One saying i needed to send in documentation verifying my identity before i could get my card. I thought it was a scam to get my identity and ignored it. I then received my credit card in the mail with a welcome letter. I called the number on the card to activate it. I was told that i had to send in documents to verify my identity. I sent them a copy of my drivers license with my current address, social security card, utility bills of gas and electric with my current address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX Fraud Dept.-FIT. I then received a letter from Capital One dated XXXX/XXXX/2015 that says " we suspect fraudulent activity on your credit card so we placed a temporary hold on it to make sure no one is using it without your permission ''. I did not hear from them for 10 days so i called them back. They said they never received the documents, I sent them the same copies again to the same address. About 2 weeks went by so i called them again. A lady i spoke to apologized, said i was approved, and she released the card for me to use. I started using the card, made at least XXXX purchases, then received another phone call from Capital One saying the card was suspended because they never verified my social security number. I decided that i was going to just pay off my purchases and cancel the card but when i go to my e-mail online account it wo n't let me access the account. I went to my XXXX and XXXX credit reports and it shows Capital One made a credit inquiry on my behalf so i do n't know what the problem is here. My welcome letter from Capital One shows a credit check from XXXX so i do n't know if it is them i need to go after but i assumed my social security number is in my credit reports. i do n't know what to do so i am filing this complaint.
My father, an XXXX-year old senior citizen was the victim of an unscrupulous contractor. He purchased items for a home improvement project and hired this contractor to complete the work. However, instead of delivering the items to my father 's residence for the project he loaded them up in his truck and drove away. I tried to locate the contractor to no avail. I filed a police report with the XXXX XXXX, California Police Department, ( XXXX, ext XXXX, Police Report Number XXXX and notified my credit card company of the theft. My credit card company gave me the run around for a few days and finally referred my claim to their insurance carrier, under their 'theft ' protection. I provided them with the police report and receipt for the stolen items. The insurance carrier acknowledged receipt of the items, but then sent an email requesting the SAME ITEMS. I complied with their second request, and again, they acknowledged receipt of the items, but requested the SAME ITEMS AGAIN. I complied with this request as well as a following request, for a total of four ( 4 ) times. I provided the same documents to the carrier on four ( 4 ) separate occasions. But the carrier has not make a decision on my claim and keeps sending out the same request for the police report and receipt of the items stolen, when in fact they already have this information in their possession. I believe they are acting in bad faith and have no intention of paying this legitimate claim and have been stringing me along for the past three months.
US Bank assessed a monthly fee that amounts to more than 10 % of the account value, for having an account that I use for savings and have had dormant. I find this to be unreasonable and am filing a complaint seeking reimbursement of the fees assessed for XXXX 2015 and XXXX 2015. 

I just made a deposit of {$50.00} and already {$10.00} have been taken out in fees. This is ridiculous and it is unfathomable that a bank that used TARP funds would resort to such petty tactics in order to make a profit.
They did n't tell me that they was going to charge me 100 % interest had me to pay back doubled.
A XXXX I believe from P & B Capital Group called my daughter and left a message stating they are attempting to collect on a debt. 
I have no idea who this person is and I believe it is against the Fair Debt Collection Act to contact family members.
Wells Fargo Home Mortgage asked for 60 additional days to respond on XX/XX/XXXX. I would like for XXXX XXXX President and XXXX XXXX Senior Vice President to get involved with resolving this problem. There is no need for delay when XXXX XXXX has been aware of and acknowledged receiving everyone of these complaints since before XX/XX/XXXX. 7 or more months and 7 complaints later more time is needed to do the right thing? Is that to make the CFPB think she is involved in this process? While XXXX XXXX is acknowledging receipt she has not provided a solution to resolve not a word for resolution? XXXX XXXX says we're here to help when she has allowed my home to be foreclosed on. XXXX XXXX says if you have questions, wer 're here to help, wer 're available to assist you? You can reach us at XXXX? This is the call center and I have NEVER been able to talk to XXXX XXXX. Call the call center but you can not call XXXX XXXX there is no access to XXXX XXXX or XXXX XXXX. They need to know their call center thinks this is laughable? What is funny or comical about someone losing their home of 15 years do to your mistakes? 

Since XXXX XXXX has been aware of this problem as I have been reaching out to XXXX XXXX since before XX/XX/XXXX help? The call center only has the authority to pass paper back and forth and stall for time, in this case as you are aware of at least 7 months or more with no action on your part. Please step in and take care of this wrong doing by your company to myself and so many others?
Equifax is preventing me from obtaining my credit report online. I fill out all my correct information and the site does not allow me to access my report. 

Equifax is also placing incorrect dates on old debts on my report by allowing collection agencies to use incorrect dates. Then they change my score without justification. They also do not investigate correctly. 

I should be allowed access to my report and disputes online. I have previously sent Equifax my driver 's license to prove my identity.
I have explained to Navient on XX/XX/2016 that the school that I went to which was XXXX XXXX XXXX was closed down. I have applied for jobs and they will not except the degree that I got from that school. While in the process of applying to different XXXX schools, I called around look for a transcript from XXXX XXXX XXXX no one can find any of the transcripts from that particular school. I have asked Navient to forgive that loan because Im not able to use anything that I acquired from XXXX XXXX XXXX. Im currently at XXXX XXXX XXXX retaking all of the classes that I took a XXXX XXXX XXXX to get me into the XXXX program.
On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes. On Wednesday, XX/XX/2018, I received a phone call from USAA stating that I would still be liable for the charges.
I have had a Coinbase account since 2012 to store my bitcoins in. I have my verified email and correct password, but since i have not accessed my account since then, I am unable to log in to manage my funds. This is because i had a different cell phone number then and it is used to verify myself when logging in with a text message. There is supposed to be a method to have the company Coinbase change my phone number, but they are completely unresponsive to my attempts to do this. I verified my identity when I created my coinbase, and this should be a very simple process to update my phone number and be able to log in. It has now been over 6 months of me trying to contact the company to access my account.
I was contacted by Quicken Loans to see if I wanted to refinance my home mortgage. They asked for permission to pull my credit in which I denied. After we get off the phone, I get a notice on email that my credit was pulled anyway by them, contrary to me not giving them my permission. I called the representative XXXX XXXX who advised that he made a mistake by pressing a wrong button and pulled my credit anyway. 
There is no mistakes in pulling someones credit when I just got off the phone with him denying him that access. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans
On XX/XX/2017 I called CHASE/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) in attempt to negotiate in good faith a charge off account and was turned away in hopes that they receive a bigger pay-off. Please advocate on my behave that chase accept my of 12 % the balance payment as I have told them I 'm in financial distress. My name is XXXX XXXX and the account number referenced is # XXXX Thank you ....
On XXXX XXXX 2015 we had a bad storm damage our house and completely destroy our shop. We had our inspections and the insurance XXXX sent out the checks for the claims. We had to sign the checks and send them to the mortgage company -Nation Star. We still to this date have not gotten the money back. We got the roof, window and all the debris removed on our own dime ( other than the roof we got a check from them for that ). So we sent in our receipts and got a 100 % done inspection done by their investigator and still have not gotten any money. As advised by our lawyer we have not paid any mortgage payments for the last few months. We have asked for inspection report and have jumped through every loop given to us but we still have not gotten anything from them. We signed a letter stating that the past mortgage was to be taken out of the money owed us then the remainder was to be sent in a check XXXX. Every single time for this almost full year we have done what they ask of us and they are making money with money that is due us.
My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX.
I received dispute results from Experian about falsely created student loans in my name. On the dispute results Experian said that it verified that results of debt were accurate. I received a statement from XXXX XXXX stating that only two of the account numbers I submitted are legitimate and will continue to be reported on. Those two accounts are with Department of Education and are in good standing. The falsely created ones were created in XX/XX/XXXX. I'm also having to file charges against XXXX because of XXXX XXXX XXXX falsely created loans. There are two of these. I received a statement from XXXX XXXX XXXX that the two loans originated with them, but XXXX is the servicer. These loans were also created in XX/XX/XXXX. I  wasn't a student and didn't apply for any student loans in XX/XX/XXXX. Also on Experian dispute results there was a different social security number and several addresses that need to be removed.
This is my second instance for the purchase interest being charged in the same card ( Chase Sapphire Preferred ). I have previously submitted a complaint regarding this and that was resolved and i was promised that there wont be any interest on the 0 % balance transfer till i do n't make any additional charges on my card. 

My XXXX statement did n't have any interest charges but i check my XXXX statement and they put a {$14.00} interest purchase. I have made no purchases on my credit card during my biling cycle. I tired of calling Chase again and again over the same issue. So I am directly reaching out to you. I want that charge to be removed and also waive {$95.00} annual fee for causing this mental harassment for ( Its only fair since they charge customer hidden fees-Tthankfully i check my statement regularly ) .I am sure there are other customers who dont even notice the corrupt practices my banks. 

Also charged interest on another card ( XXXX XXXX ) when they will charged me the annual fee even though it was a i pay it back the next day. Its not my mistake that the annual fee was charged. That charge in unavoidable to they should n't be charging an interest on that. This happened because they put an annual fee and not because i made a purchase. This practice is to mint money and interest out of customers even though regularly pay their minimum due on 0 % apr offers
I have sent numerous letters and made numerous telephone calls of complaints to Wells Fargo Financial National Bank in regards to my XXXX Account : XXXX and receiving defective furniture from XXXX XXXX. My issues still has n't been resolved as of today. I been attempting to resolve the my issue with Wells Fargo Financial National Bank and XXXX XXXX for almost 1 year now.
1. XX/XX/2017 I disputed everything on My Credit Report with Equifax Requesting Physical Verification of Claims. 
2. Today is XX/XX/2017 and i still havent received a completed Response from online, email, phone, or mail, its been 32 days. 
3 I have attached online snapshots of there Business Practice along with my Dispute letter and my Identification. 
4. Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
I applied payment on line to wrong account. Could not transfer payment to correct account. Called four times and was told they would correct it. It was never corrected.
Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!
I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Hi. In the late XXXX of the year 2015, I received a letter from Nationwide Biweekly Administration , Inc. ( NBA ). They offered me a program called 'Interest Minimize '. I agreed to cooperate with NBA and process my mortgage payments thru them. There were XXXX ( XXXX ) electronic charges made by NBA from my checking account ( XXXX XXXX XXXX ) in XXXX and XXXX in the amount of {$1000.00} each. But, there is no money was transferred from NBA to my mortgage company called XXXX XXXX XXXX XXXX. My due date is XXXX/XXXX/2015. Please help! Please let me know which documents need to be provided.
XXXX XXXX, XXXX i set up my new debit card as far as activating and setting the pin. I set up and activated card successfully. Went to make purchase using credit it declined, used it through debit it declined. I called to set up a new pin hoping that would help, it did not. I called to speak with customer service numerous of times regarding card use and the issues regarding a pin purchase and credit purchase. They offered to reset my pin and sent me through an automated system to reset pin since they could not do it. Once transferred to automated system it was not responding to touch tones prompted. Spoke with several reps and a supervisor and they were no assistance just followed same steps as far rep but stating that the pin reset could only be done once every 24 hours. SO here I am stranded with a card with money but no use until tomorrow XXXX XXXX, XXXX after XXXX central time.