WillisBack/dataset-financial-user-claim huggingface dataset:
For over seven years I have had been requesting why the mortgage servicing company would show a past due on my monthly statement. Each time I would get a form letter stating that I would get a response within XXXX days - NEVER got any additional response. It was easier to change the servicing companies - XXXX, XXXX, XXXX XXXX XXXX, XXXX and Ocwen in XXXX years. During that period the servicing companies made payments for insurance and taxes before the due date ( my on time payments were returned as the bill had already been paid ) - I DID NOT ESCROW, I paid myself. I believe that there actions were in an attempt to build a reason to foreclose. In XX/XX/XXXX XXXX XXXX ( law firm in XXXX ) got involved. I provided copies of my requests for a detailed statement with explanation of what I owed. FINNALLY - a letter from XXXX of XXXX/XXXX/XXXX provided a statement.. I provided copies of the cleared checks and copies of the checks returned by the servicing company accounting for all the months on the statement up to the time ( XXXX/XXXX/XXXX when I stopped making payments as they were just returned. I also included proof of payments for insurance and taxes ( with letter from Tax commissioner when my payment was received after the mortgage company had paid, although I PAID ON TIME ). I Itemized what was due ( taxes and monthly interest payments since they began to return my checks ) and offered to pay in full {$34000.00} the total amount due through XX/XX/XXXX. I have NOT received a response. There efforts are to get the court to put my loan in default and foreclose. During the last months I have receive a stack of documents the lawyer has sent to the court. I have responded to the court each time providing the background as I am now doing. 
I believe the actions not taken to resolve and taken in a effort to foreclose is a crime against a senior.
Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic XXXX.
I own a XXXX XXXX and I have XXXX XXXX banking relationship with Bank Of America ( unfortunately ). I also have a credit card linked to XXXX checking account. 
In XX/XX/XXXX, I traveled to XXXX on a business trip and used my credit card once in a restaurant. That was the only time I used Bank of America Credit Card in XXXX. In XX/XX/XXXX, when I returned to US from XXXX I noticed two large transactions on my credit card account, totaling about {$6000.00}. Both transactions were unauthorized and were made somewhere in XXXX. I called Bank of America XXXX XXXX Credit Card unit and disputed both unauthorized transactions. Bank of America gave me a temporary credit and issued a replacement credit card as usual. 
A week later I received a letter in mail to identify the transactions to return to BAC. I identified the transactions ( only 2 as stated above ) and singed off the document and it was mailed back to Bank of America. 
Couple of weeks later I received a letter in the mail informing that Bank of America investigated the disputes and they found those charges to be valid. Their reasoning was that it was credit card chip read and/or PIN was entered. The temporary credit was reversed and now I am liable for unauthorized charges in my credit card account. 
I called the number in letter and they told me the same thing that these charges are valid while I kept telling them that I did not make those purchases. But they will not listen. They reopened the issue and it was denied for the same reason. Then they ask me about my possession of the card and I told them that I was working in an office and a lab ( both in same building ) and my card stayed with all other credit cards and my passport in my laptop bag. So they concluded that I did not secure my credit card and someone used them while the card was in my bag. The funny thing is, they failed to explain how someone stole my card, used it and returned it back to my bag in TWO SEPARATE OCCASIONS? 

Here are the details of each unauthorized charge : XX/XX/XXXX - XXXX XXXX - {$5400.00} ( + {$160.00} International Transaction Fee ) XX/XX/XXXX - XXXX XXXX - {$420.00} ( XXXX International Transaction Fee ) Account number ending in XXXX Case number is XXXX While I was applying for this credit card they promised " {$0.00} liability protection for unauthorized transactions '' but now they are trying to say unauthorized transactions are valid. Bank of America is not willing to accept that the card/number has been compromised and has been used by unauthorized person/persons in two different occasions on two different dates. They are blaming me for not securing my card. At one point one of the reps told me that I have to hand carry my card at all times including in the bathroom. Yes, thats right those were the exact words she used.
XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
see attacked letter of issues and problems sent to threes different collection agency. 
each collection agency and XXXX don '' t address the problem when recieving the letter. 
they pass to another collection agency and nothing get resolved. I 'm a XXXX year old Senior XXXX XXXX who took my time out of my busy schedule to write this letter explaining in details and problems I had w the account.
RE :! 15 U.S. Code 1681g - Disclosures to consumers XXXX/XXXX/XXXX Attention Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
Collection ( s ) Account ( s ) XXXX 
XXXX XXXX XXXX, XXXX {$280.00} Inquires XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.!
I applied for a Citigold checking account XXXX XXXX, 2016 over the phone and was approved. Phone representative confirmed, promised XXXX AAdvantage miles after completing required activities. 
I followed up with Customer Service later. Phone representative again promised XXXX AAdvantage miles after completing required activities. 
After completing required activities, I emailed Customer Service but received a message back on XXXX XXXX to the effect that I would not be receiving the promised XXXX AAdvantage miles. What a disappointment! 
I do have a disclosure that Citibank mailed to me promising the XXXX AAdvantage miles after completing required activities. It is attached. 
I have completed all the required activities. Citibank should have a record of my calls and message. Please ask Citibank to award the promised XXXX AAdvantage miles.
I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the account.
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXXbut when the mortgage lenders tried to get my credit report nothing would show up. I have called equifax, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.
I have written the credit reporting agenecies XXXX and XXXX numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( ExperianXXXX, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against XXXX in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me thousands of dollars from getting loans ect.
I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.
I am receiving frequent phone calls from a number that is registered to a debt collection agency. When I answer, there is no one on the other end - there is just silence and the call ends. When I do n't answer, no voicemail is left. I do not owe any debts - my credit history is spotless. I do n't know how to get these phone calls to stop - I 'm getting them on the weekends as well. I tried calling back and received an automated message to " please wait while we connect you. '' I hung up after 5 minutes on hold.
XXXX XXXX XXXX of XXXX, XXXX, Tx ... XXXX XXXX aka Navient..the most popular student loan company ... they are HORRIBLE. They take your payment and apply it to whatever they want, not to the loan YOU want it to be applied to. Your loan may be for {$2000.00}, but in year, will be over {$3000.00} because they do not apply the payments correctly. Your {$200.00} payment is going on XXXX different loans but you think it 's going towards that {$2000.00} loan. This is how interest grows and so does the amount of your loan. The people you call and talk to on the phone ... worthless.
I have a derogatory mark on my credit report by Midwest recovery systems. For XXXX dollars. I have never heard of this and it dropped my credit by 40 points!!
I sent money to my daughter on XX/XX/19 via Moneygram. I received an email at XXXX XXXX  stating transfer sent and ref # XXXX. My daughter went to pick it up around XXXX XXXX  on XX/XX/19. She called me and said the transaction had been cancelled. I said let me log in and see what is going on. I could not log in to the website and I still can not log in to the website. I have screenshots from two different web browsers showing the error. I finally was able to track the transfer with the ref # but it just said cancelled no other information. I call Moneygram and was told Moneygram cancelled the transaction and will not give me any further details due to security purposes and that I will never be able to use Moneygram services ever again. I can expect my REFUND in 3-10 days. ABSOLUTELY UNACCEPTABLE. If they cancelled the transaction due to security reasons and reasons they won't  tell me, they should not have touched my money. The transaction was cancelled, therefore the authorization to access my account was also cancelled. I want these thieves held accountable and this pursued to the full extent of the law. False advertisement of a service they could not deliver, theft of funds from my account, withholding the reason why my transaction was cancelled but my money was still taken. I am also filing with the Attorney General. I need to know who to contact to file theft charges and damages for their deceptive practices. I want to hear from someone on this complaint - I have filed a complaint before and no one ever contacted me so I doubt it was ever investigated. The thieves in this country need to be held accountable just like with any other criminal.
I have been a Wells Fargo member since XX/XX/XXXX and decided to take out a personal loan in XX/XX/XXXX. In XX/XX/XXXX I had some family issues, lost a job and another major hardship that affected my liquidity, as a result I reached out to Wells Fargo to work something out with my payments. The first representative stated there was no such service and I attempted to call at least two other times to ask for some lenience given my time with Wells Fargo and previous record of being a good customer. My attempts were to no avail, I had three extremely hard months and as a result I have late marks XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Recently I reached out again requesting consideration for removal given I went through extreme hardships and am now looking to apply for a mortgage. I would like to share my journey with other consumers who are considering a relationship with Wells Fargo. I found it to be a great bank in terms of offerings when things are good, but completely lacking in support when it was most needed. I also bank with XXXX XXXX and XXXX XXXX - both of which were more than happy to work with my situation at that time. After my hardship I successfully paid each month for the remaining year on my Wells Fargo account without issue, I was genuinely in need of assistance for a small period due to occurrences beyond my personal control.
I have only lived in XXXX there is a third address listed that is NOT mine Please take off my report
I HAVE A COLLECTION WITH ACCOUNT XXXX XXXX THAT IS SITTING ON MY CREDIT, I CONTACTED THE ORIGINAL CREDITOR AND PAID THE ACCOUNT OFF SEVERAL YEARS AGO, I HAD TO BECAUSE IT'S A UTILITY. BUT THIS COLLECTION COMPANY KEEPS IT ON MY CREDIT REPORT SHOWING I OWE A BALANCE ON THE ACCOUNT. I CONTACT THEM AND THEY WANT ME TO PAY THE BALANCE, EVEN THOUGH I HAVE TOLD THEM THAT I PAID WITH THE ORIGINAL CREDITOR. THEY DON'T SEEM TO CARE, THEY ALSO HAVE NEVER SENT ME ANY PAPERWORK REGARDING THIS ACCOUNT AND THEY KEEP RESPONDING TO THE DISPUTES THAT I PUT THROUGH THE CREDIT REPORTING COMPANIES, AS THE ACCOUNT IS ACCURATE AND NOT MINE. THIS IS CAUSING ME TO NOT BE ABLE TO REFINANCE. THEY ARE STOPPING THE LOAN PROCESS OF XXXX
I received a check from XXXX XXXX XXXX co to pay off my loan on XX/XX/2016 I took it into a local PNC branch and was told that due to the size of the check that the manager was n't able to sign off on it and it needed to be sent to a special dept out of State and that it would take XXXX business days to be released because they needed to verify funds. I have never heard of anything like that before but since there is n't a local branch that the check was drawn from, I had no choice. They received the check on XX/XX/2016 and requested something from XXXX guaranteeing funds, a fax was sent to them the same day, then XXXX days later requesting a letter explaining why XXXX XXXX issued the check? My car was a total loss, but why does that matter to them, and why did they wait XXXX more days to request it? That was sent XX/XX/2016. If they have a check with a guarantee they need to release the funds right? A portion ( XXXX ) of the check is my money and they have n't released a dime of it .They are making me wait for my money too, I do n't understand how they can do this. The lady that I was working with left me a message on my answering machine that funds wo n't be released till XX/XX/XXXX. I tried to call her back and she is out of the office till XX/XX/XXXX ... I am having to pay for a rental car out of my pocket this whole time because they are holding my money and I need it to buy a car. Please assist me in this matter because I feel that they are taking advantage of me as a consumer!
Every company whom pulls my credit report sees that I have XXXX Credit Score. Upon examining my credit report for XXXX, I see that there are XXXX different names on my credit report, XXXX being XXXX XXXX and XXXX being XXXX XXXX XXXX. The companies are getting the report for XXXX XXXX, but the entirety of my credit history exists under XXXX XXXX XXXX. I keep getting declined for EVERYTHING I APPLY FOR based off of my SUPPOSEDLY nonexistent credit score that your companies are misrepresenting to them. I am utterly outraged and will be seeking legal action against the credit reporting bureaus if nothing is done to have this problem corrected in your system. As if this has not caused me enough problems already, I spent XXXX $ and applied for a rental home a few days ago and was DENIED because of a N/A Credit Score. I ca n't believe no one has noticed this fatal error!
There is wrong information in my report : &gt; My present address :    XXXX   XXXX   XXXX     XXXX , MI.  XXXX  : please update &gt;   XXXX   XXXX   XXXX   XXXX   XXXX   : I have paid off this account, please update balance
On XXXX XXXX I was to pay bills online using my online banking account with Bank of America. After logging in and before I was able to use any online banking functions I received a pop-up asking me to verify my personal data. I thought this indicated that someone was hacking into my account ... .asking me to verify my SSN, address, and whether or not I have dual citizenship! These questions are inappropriate and highly intrusive! I suspected a hacker and still do. I called the bank and they referred me to their compliance office, which I can contact after the holiday. 
I could not x out of this request and want verification that this request is from thebank and not from a hacker! Moreover, to ask whether I have dual citizenship is intrusive and inappropriate ... I suspect if this is not the request of a hacker it must have something to do with the regulations or repeal of regulations administered by our lousy XXXX. 
I will contact BOA 's compliance office this week and am in the meantime reporting this request to the XXXX for a response.
On XX/XX/2017, we received notice that our loan servicer, Ocwen Loan Servicing, LLC,  was increasing our monthly mortgage payments from {$2700.00} to {$3500.00}. Ocwen stated it was as a result of a shortage in escrow payments from the original loan company, XXXX XXXX XXXX, due to ( 1 ) not funding the escrow fully at the beginning of the loan by {$1400.00} and ( 2 ) mischarging the amount to be charged monthly. As a result of these two failures, over a 12 month period, the escrow was shorted by {$8700.00}. With this XX/XX/XXXX notification we were given 14 days to begin the new payment which changed from {$2700.00} to {$3500.00} ( over a 25 % increase ). 

After contacting Ocwen, they refused to spread this shortage over a period longer than 60 months. We had to force them to find alternative solutions. 

Ocwen decided to contact XXXX XXXX   XXXX and were able to receive the missing escrow amount from the loan origination of {$1400.00}. They refused to acknowledge that they misreported the necessary amount of money to be charged each month. After much contact, Ocwen refused to match their amount and provided only {$500.00}. 

Our arguments are as such : XXXX XXXX failed to properly charge us monthly and therefore created our year-long deficiency. It has been very difficult to financially plan for a 25 % increase. 
Ocwen failed to identify the same problem at their purchase of our loan and continued to have us pay a cost that was not enough to cover the escrow. Then, they expected us to pay this 25 % increase in the mortgage within a short period of time.
In XX/XX/XXXX I was given a loan by Citizens Bank, In XX/XX/XXXX the loan went into default. I scheduled to make payment arrangements but fell behind. 5 years later I started an account with the same bank after asking the officers whether or not I still owed the money. I was told " no '' so i continued to open the account. Today, my account was debited {$5000.00} and the bank tells me they have the right to offset without letting me know. However, I asked the bank prior to putting my money in the bank. Additionally, the money taken has left me in financial ruins. I ca n't pay daycare, rent or car payments. Please help.
Spoke with XXXX XXXX in legal on XX/XX/18. Asked about why the debt was previously turned over to an attorney and now back at the credit collection agency. On a recorded line, she stated that they hired an attorney to garnish wages and income. Advised that XXXX XXXX receives government money. After asking to repeat herself because I can't understand what she was saying, she hung up the phone. The reason why she would not repeat herself is because she threatened to cease property and garnish the money that we have. 

We have tried to dispute all the charges assessed by the apartment complex. 
We have previously asked for the receipts of the charges and services they are charging for. This debt is not belong to XXXX XXXX and it not owed. We want an accounting breakdown with supporting evidence of the receipts for the services paid for to justify these charges. Also, it is a catch22 to be charged because we didn't give notice before moving out when they did a " 3 day no option to cure ''. I would like a copy of the " 3 day notice '' we were given, as XXXX XXXX stated we don't need this and asked a lot of questions concerning this notice. I want to know why they don't have a copy of this on file. Also, the company is double charging for a water bill twice, in the amount of {$60.00}. Charges on both account numbers XXXX and XXXX are for the same water/electric bill. Please show me a copy of both water bill. Remove these from the credit reporting and delete the trade lines.
I have been paying on a student loan from XXXX XXXX XXXX XXXX for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} onXX/XX/XXXX1991.
They say that I still owe {$38000.00}.
They are going to take my tax refund and garnish my wages very soon if action is not taken.
I have repeatedly written letters, applied for XXXX  Forgiveness with no results.
They have turned the loan over to a collection agency ; Performant Recovery Inc. which I have also written and received the same reply, that I still owe the money in question.
PLEASE HELP!!!