WillisBack/dataset-financial-user-claim huggingface dataset:
I am a wells fargo non escrow customer and In XXXX XXXX Wells Fargo contacted me via mail to state my property tax payment was in default. I stated to them I was paying my property tax using a payment plan with my county tax department and that I was not in default status. I presented wells fargo with all supporting documents to show that I was on time with my payment arrangement. They stated they understood and as long as if I continued with my payment arrangement they would not interfere. In XXXX XXXX I received notification that they made my account an escrow account paying past taxes which I was paying on a payment arrangement and the current tax payment for XXXX. When I called Wells Fargo the representative stated " we made your account an escrow account as a preventive measure so you would not go into default. '' At no time did any representatives from wells fargo ever call me to discuss my account status and to see if there was a action being taken against me. After many phone calls and debates I notified executive services of my complaint with their non escrow department and my financial hardship that I have now been placed under. This hardship that wells fargo placed on me by now demanding I pay back this money in 60 months and not allowing me to refinance or go through a loan modification stating I can afford the new payment due to my GROSS earnings has placed me to consider foreclosure and has made my family in crisis My original payment I was paying was XXXX wells fargo is now requesting me to pay XXXX. This is a XXXX increase. I have pleaded with wells fargo to review my finances using my net income and expenses and to allow me to have a conference call with their underwriter to discuss my loan status I was told no that that the underwriter is not available and that no representative would talk to me. I was informed to appeal my case and submit documentation explaining my situation. I stated to the representative that I am confused and really need to speak to someone. I also told the representative I have been a good customer never late on a payment and deserve the opportunity to speak to the underwriter. I also stated why would the bank not consider extending the payment of the escrow account owed so the payment could be more affordable. I am confused why they are unwilling to work with me and have me go into default. I also was informed if I pay my original amount of XXXX they would reject the payment amount. I can not express enough the emotional turmoil this bank has placed on me for a situation they had caused.
Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.
On XXXX/XXXX/2017 I received a called from I received a call from XXXX from Halstead, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any XXXX. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
Dear Sir or Madam, In early XXXX this year, I applied for the US Bank XXXX XXXX credit card. I thought that the package offered by this credit card was attractive and decided that it was worth both a hard credit pull on my credit history and the {$75.00} annual fee that comes with the XXXX XXXX XXXX XXXX XXXX XXXX Card. 

Fast forward two months, the main perk of this card is cancelled : " Enjoy Bonus Award Nights when you redeem your Gold Points for Award Stays ''. I recently tried to book an award using the " Bonus Award Night '' which enabled me to have a second night for free on a two-night-or-longer stay and indeed realized it was no longer offered. This was a tremendous option as I could get up to XXXX nights per year free at more than XXXX XXXX XXXX hotels worldwide. Upon investigation, I see that it was discontinued in early XXXX. This is a mere two months after I applied for the credit card. I thought regulations prevented credit card companies from unilaterally changing the terms of the contract during the first year the account is opened. 

In any case, when I applied for the card, it was stated unequivocally that I would " enjoy all this after paying {$75.00} annual fee ''. I lived up to my part of the contract and paid the fees. However, I never received the benefit because US Bank decided to cancel those. 
As a result, I am writing to get compensation for this. I suffered a hard credit pull that will stay with my credit history for two years. I paid the annual fee that promised bonus night. But I will never be able to enjoy what I paid for. 

In addition, US Bank changed the term of the contract a mere eight weeks after I applied, implying that they knew about the impending change long before I applied but were still happy to collect the annual fee money without telling prospective customer. I think this behavior is unethical. 

My regards, XXXX XXXX
I have submitted the proper papers to Specialized Loan Servicing in regards to my mortgage and what I believe to be too many fees and forced addition of my taxes, home owners insurance and HOA fees leading them to consistently increase my monthly mortgage to the point I can no longer afford to catch up or keep up with my payments.
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carfully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver Licese -Copy of the Utility Bill
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXX.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with Experian, as the creditor has once again revised dates, substantially changing the reporting. 
Experian refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Our credit card company is not honoring its cardholder agreement, which states that the holder is not liable for unauthorized charges, as long as the items in question are pointed out to them.
In XXXX  2017, my XXXX-yr old husband took a 30-day free trial from XXXX XXXX XXXXor a product that promised to help him prevent muscle loss from losing weight per doctors orders.
He never received any product from XXXX XXXX, but numerous different companies with different addresses and brand names continued to send him products he never ordered. He tossed all the products sent to him into a box. In XX/XX/XXXXhe asked me why his XXXX XXXX XXXX XXXX  balance seemed to be very high. I reviewed all the statements and found these various companies had all been charging large amounts for all this snake oil. I suspected that XXXX was selling his credit card number.
The sudden XXXX sent my husband to the hospital with a XXXX XXXX XXXX. After the immediate crisis was over on XX/XX/XXXX, I contacted the first merchant on the list and asked if they were sharing our credit card number. The agent told me they are all one company. When I asked for a refund of all charges and offered to return all their unused product, he hung up on me. This happened two or three times. I then contacted the credit card company to dispute the charges, report fraudulent activity, and give them my suspicions of the sharing of credit card information between companies.
They took down all the information and said it would take 30 days to investigate. They did not change the card number and unauthorized charges were again made on the account. The credit card company received a pile of poor copies from the merchants website and claimed since the merchant proved the charges were authorized they would not refund the charges.
Ive appealed this twice now and been put off 30 days each time. I pointed out that the printouts from the merchant did not show any evidence that my husband reviewed or selected any of their terms and conditions, etc. I finally had to demand that they change the card number, and they finally did so.
I think the merchant has been performing unfair, deceptive and abusive practices, and that the credit card company is aiding and abetting this fraudulent scam perpetrated against a senior citizen.
XXXX and Bayview Loan Servicing have refused to provide my itemized and complete loan history on my current mortgage as required by the Real Estate Procedures Act 12 U.S.C 2605e as I have requested several times in writing and verbally. XXXX also called my insurance company ( XXXX XXXX ) and told them I no longer owned my home and returned the check to XXXX that XXXX XXXX paid for my condo insurance for the year. XXXX then placed " force placed '' insurance on my townhouse without my permission or consent. XXXX, to date, will not give the amount or itemization of the fees associated with there force placed coverage. The lender has scheduled XXXX separate sheriff sales while my loan was under modification review. In addition, never received 14 days notice of any of for any of the sale dates. In fact, the sale that was scheduled for XX/XX/XXXX was changed on XX/XX/XXXX and lender paperwork was not submitted until XX/XX/XXXX to postpone sale. The date was changed to XX/XX/XXXX. I received verbal knowledge of this through my HRA contact. Bayview also reported to the modification underwriters that I did not complete all the documents they requested. I did and I have proof. As a result, the underwriters denied ( apparently ) my modification. This denial was verbally told to my HRA contact and not provided in writing. As of this date ( XX/XX/XXXX ), I have a sale date of ( which is the third one ) for XXXX. The asset manager for Bayview has not responded in a timely matter during this process and often says he " has not received documents '' to his attorneys and underwriters, which his not true. I have proof of the email submissions with dates and times. I believe the lender has target my property for profit and have not followed the laws regarding my FHA backed loan.
I currently have 19 credit inquiries that was an authorized reporting to my credit report please have them removed immediately from my credit report XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXXType Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Home Furnishing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX
So ive tried working out a settlement with this company and they say they cant settle do to the company still owing this dept and they can charge big amount of intrest on a dept that was written off to them ... they call me with out trying to work with me they just say that I have to pay XXXX and it just keeps on adding intrest on a collection that 5 years old.. it was XXXX and its XXXX ... We have attempted contact with XXXX with no response. ACS is not a debt buyer. This debt is still owned by XXXX. The account was assigned on XX/XX/2011 for {$350.00}. After 5 years the interest is {$200.00} for a total of {$560.00}. If we would receive a response to our attempts to contact, the interested could be reduced upon agreement for payment. We have never received a response after 5 years, 3 letters, & 6 messages. this a lie because ive tried contacting them and working something out and they wont work with me on a consolidation of dept ... they say they do n't work with cfpb.
I needed to get a free copy of my credit report and visited XXXX of the major credit report company 's ( Experian ) website on XXXX XXXX, 2015 and wanted to print out my credit report. I was requested to create an account ( which I did ) and then followed the instructions to get my credit report. I was charged for XXXX for my report. So far is fine. 
However, when I checked my bank statement for the month of XXXX I saw that my debit card was charged {$21.00} on XXXX XXXX. When I created an account I was not informed that I was buying a paid membership. Also, I did n't receive any payment receipt from this company. If I received a receipt, at least then, I would know that I bought a membership! I called the company, explained the situation and asked for a refund ( on XXXX XXXX ) but they refused and the customer representative on the phone told me that everything was on the Terms and Condition document that I agreed online! There was a 7-day trial period that I could have cancelled my membership and it was too late he said. 
Now I believe that Experian ( although known as XXXX of the XXXX major credit report companies in the US ) is not doing ethical business itself so how can I trust this company for my credit report. Also, I am going to dispute some information on the report they provided me with. 
I just request a refund from this company for the amount they charged on my debit card. 
Best Regards, XXXX XXXX
This company have never contacted me through written correspondence. They have place 2 accounts on my credit report regarding a debt that I do not owe. I was never provided any details as to the medical provider and ant dates of treatment. My credit report shows that the accounts were acquired in XX/XX/2012. I have disputed these accounts with all 3 credit bureau and had the accounts removed. Recently the accounts were sold to another creditor and was placed back on my XXXX credit report. When I tried disputing the false dept again, it came back as verified. I believe the creditors are partaking in fraudulent activities. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost. 

Also, both accounts show the same exact account number.
regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting. nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Over the last four or five years I have been sent three borrower to defense loan forgiveness applications and I have sent them all in. I have received letters from the Attorney General 's office telling me that I qualify for loan forgiveness due to the fraudulent acts of XXXX XXXX. NAVIENT is the loan servicer and has not granted my loan forgiveness or given me any information as to the outcome of all three of my applications. I was a victim of fraud by XXXX XXXX. XXXX XXXX promised me that I could transfer my credits to any college of my choice after I graduate. That turned out to be false. XXXX XXXX allowed me to attend their school and graduate without a high-school diploma. XXXX XXXX recruiters told me I don't need a high-school diploma and that it is okay to have a felony record. All of which is false. XXXX XXXX promised me job placement which never happened. All the XXXX college campuses have closed and I can no longer take refresher courses. I can not work in the medical field without a high-school diploma and a felony record. XXXX XXXX has been found guilty and all I ask is to have my loans forgiven so I can move on and begin a new credible College. Approximately {$28000.00} in student loan debt from a fraudulent school is hanging over my head and reported to my credit bureaus
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX
I 've sent Transunion necessary information letting them know that the information on my credit file with US Dept. of Education is NOT valid. I 've sent the company information asking them to validate the debt with the original indebtedness to no avail. The mail keeps getting returned to sender to me after multiple attempts. The information on my credit report is the information I 've use to send to the creditor.
I am unemployed and a single Mother. The debt is over XXXX years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.