WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017, ditech changed my escrow amount and did not notify me. Due to a {$60.00} adjustment of my taxes, they changed my escrow amount, but did not notify me of the change. They claim to have mailed me a statement saying so, however, I did not receive any statement from them outlining the escrow change.

I made my regular monthly payment of {$2400.00}, as usual, unaware that now ditech was expecting a monthly payment of {$2500.00}, due to adding an additional escrow, and so considered my monthly payment {$43.00} short.

ditech did not contact me at all during this time to inform me of the shortage, and I was unaware until I received my next statement, upon which I immediately called to pay and correct the difference. However, ditech has assessed me a {$77.00} fee over a discrepancy of {$43.00}.

ditech 's customer service representative told me over the phone that they were charging the fee simply " because they could '', and said that ditech had no obligation to inform me that my escrow had changed. They refused to remove the fee, even though I have always ( and continue to ) pay my monthly payment on time, that I was unaware that they changed my escrow without informing me, and that the fee of {$77.00} charged was almost double the disputed amount of {$43.00}. ditech 's rep said I had agreed to the fee when I received my mortgage, which is completely untrue, as ditech purchased my mortgage from another company and I have never filled out any paperwork with ditech or my previous lender authorizing such an egregious fee amount.

ditech refuses to remove the fee, and has repeatedly begun calling me and sending me collection letters over the {$77.00} late fee.

ditech 's abuse of escrow to charge a 178 % late fee is tantamount to loan sharking, especially given they claim to not need to notify me about changing my monthly payment. Having read other stories online, this seems to be a common practice ditech is using to abuse mortgage lending and make profit by changing escrow amounts without notifying customers and then charging high late fees.
I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account on XX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.
I do not know where these XXXX accounts came from but they have a recording call my husband and myself about 4 times a day each. There are XXXX accounts apparently with this company. XXXX was for {$73.00} in XXXX XXXX, 2011 and XXXX is for {$120.00} showing the date as XXXX XXXX, 2011. They call everyday of the week including Sundays.
I took out a private student loan in XXXX/XXXX/XXXX. The principal amount was {$26000.00}. I made a few payments and then I made a large principal payment of {$18000.00}. I did n't hear back or receive a payment due notice until XXXX. The phone call said I was past due. This did n't appear on my credit report as being late, or behind. The customer service person said I owed interest and was behind. This was confusing to me, and it did n't make sense. I 've been making payments since XXXX. However, the loan is all interest and nothing is going towards principal. I 've asked for explanations, but they keep telling me I owe interest and the amount keeps rising, although the interest rate has gone down, I 'm still only paying interest and no principal. On top of that they keep telling me they do n't have my social security number even though I have given it several times. I want to know how the interest on this loan got behind. My address and contact information was the same since XXXX until XXXX. My mail was forwarding to my new address since then. Yet they have me paying interest only now for two years. Please advise how to get an explanation about this loan.
I have XXXX medical debts that were not paid by my ex spouse without my knowledge prior to the divorce. Now I am earnestly trying to correct this and want to pay the debts in full in exchange for the collection being deleted from my credit report. XXXX XXXX & XXXX are very resistant to removing the collection from the credit report and communication is impossible. I have called them, written letters and had the original doctor 's office contact them on my behalf. They will not accept full payment in exchange for credit report removal of the collection. What can I do to not be a victim of the Collection Company just as I was a victim of my ex spouse. I just want to improve my credit rating.!
I was added as an authorized user on my wife 's credit cards. 
Without my permission. I asked to be removed on XXXX/XXXX/2015 and was told my name was removed from all three. She filed for debt reduction XXXX of the cards are still on my credit report. 
I want them removed
After several mishaps by TD bank and it 's retail subsidiaries including sending statements to the wrong address and charging fees on no fee accounts, my husband and I chose to close our accounts. So, on XXXX/XXXX/2016, we then went to the local TD branch ( XXXX and XXXX, XXXX, PA ) in person. Our expressed purpose that day was to close our joint checking and moneyline accounts. This was clearly, and explicitly, communicated to the representative we spoke to. As part of this process, we had a balance on the monelyline account which we paid via check from our new account a copy of which we have to prove the date of our visit. Despite having done so 8 days later I went online to make sure the account was closed to find that it was still open and that a transaction had occurred again resulting in fees since the account had a XXXX balance. The mishap with the retail account resulted in a negative inpact on my credit score which prior had been spotless for 15 years
This judgment was filed in XX/XX/2000 in XXXX County . I thought federal prohibits someone from collecting debt this old. I do n't know what this alleged debt refers to. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do n't even know if they still are in in business anymore. It has been XXXX years. This law firm should be sanctioned under unfair trade and collection procedures.
After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.
I got a new XXXX  XXXX  Card through American Express. When I signed up for the card I did so through a click-through offer from " XXXX XXXX XXXX '' website that was for XXXX XXXX  XXXX points for the first $ XXXX spend and then an additional XXXX points on the next {$1000.00} over the next six months. 

I was given a XXXX points bonus as opposed to what I should have received. 

I have since called in three times to have this investigated and resolved, but they have not come to any conclusions over the last 5 months! They keep telling me to just call back in every two weeks - which I find to be ridiculous. 

I have a print out click-through terms that were in place when I signed up, and apparently, are in place again today. Amex is claiming that I signed up during some small inferior window of time and will not investigate further or get back to me on their findings.
I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!
I 'm not certain if this choice best describes my situation. I had a medical bill from XXXX XXXX XXXX that was forwarded to Med-1 Solutions, LLC. The bill was from XX/XX/XXXX. I was unable to pay the bill do to my financial situation at the time it was incurred. I was unable to make payments on the debt during this period because of continued financial hardship. I received a notice from Med-1 that they would be taking me to court for the bill XXXX/XXXX/XXXX. The week prior to the court date I called and spoke with one of their representatives in their legal department. I advised her of my financial situation and asked if I would be able to make payment arrangements for the bill. She said I could. We worked out arrangements were I would make {$100.00} payments on the XXXX of each month, starting XXXX/XXXX/XXXX. She stated that she would forward me paperwork that I would need to fill out for them to deduct the payments automatically from my account. I agreed to do so. I received the paperwork the following week. I had not sent the paperwork back with my account information so they could start deducting the {$100.00} agreed upon amount on XXXX/XXXX/XXXX, when I noticed on XXXX/XXXX/XXXX that Med-1 had deducted a {$100.00} payment from my checking account on XXXX/XXXX/XXXX. This caused me to be quite embarrassed when I went to purchase lunch and was informed my card was being declined. I was also charged a {$37.00} overdraft fee on my account because their payment caused me to go in the negative. I called Med 1 that day and advised a representative of what happened. She said that she saw that arrangement in the notes pertaining to the {$100.00} payments starting on XXXX/XXXX/XXXX and did not know why the payment was taken out XXXX/XXXX/XXXX. I asked the representative how they obtained my bank account information since I had never sent them their paperwork back yet and that I would like to be reimbursed the {$37.00} fee. She could not answer that question and advised that she would have a supervisor listen to the call and get back with me. That has been over a month and I have yet to receive a call back. Since then I have received another collection notice from Med-1 for another XXXX XXXX XXXX bill that I have disputed with the original creditor. I have not contacted Med-1 since.
A ever-changing representative from 'GC Services Debt Collection ' ( XXXX ) calls my work phone number from a spoofed or sometimes local ( XXXX area code ) phone number. Without providing any details, they leave a urgent-sounding message asking me to call back to an XXXX phone number, sometimes with an extension, sometimes without. Every single version of their phone number has multiple complaints ( i.e. ) : XXXX This has been going on since XX/XX/XXXX and I have reported them multiple times to my Security office, the FTC, and the Maryland Attorney General 's office but they keep calling and disturbing my work hours. I do not dare pick up the phone unless I know the ID.
A couple years ago, I was in College and had to go to the emergency hospital due to feeling very XXXX. I was n't aware that my XXXX had kicked in but I could no longer wait. Later on I ran into some big XXXX issues and had no where to live. I had to drop out of college due to these issues. I was then stuck with this XXXX bill I could not afford. After a couple years and pushing myself to get my life back on track, I paid off the debt. I am now XXXX years old and very responsible. I 'm trying to purchase a little house that my little brothers & I can live in. But unfortunately since this is on my credit report I believe it is effecting me. Please help me get this off even though this debt is paid off. I have not let anything else be remotely close to going on collections.
Several items are not mine. Also their are several hepa violations. I never lived at some of the addresses and I 've never worked for a XXXX I 'm assuming it 's supposed to say XXXX .... which I 've also never worked at .... what a joke
on XXXX XXXX, XXXX I was in need of a computer. I went to Best Buy in XXXX Ca. The floor staff directed me to the XXXX, and XXXX product. I said I can not afford the XXXX though it would be my first choice in terms of durability and quality. The staff told me, well, you can afford it because you can get a Best Buy credit card and I could pay off the computer monthly, with no interest. I was insistent was this true and correct? He said it was. I went ahead and purchased, also double checking with the sales staff at the register if in fact what I had been told was true. They said it was. I happily went home with my computer. I paid on the computer monthly, and never missed a payment, paying more when I had it, I am on XXXX and was recovering from XXXX XXXX, the computer was very important to me as I was limited in accessing outside my home. I checked today, XXXX XXXX, XXXX to see if the computer was paid in full, I thought it should be by now. I was told to my shock and horror that I owed, XXXX on the computer that cost XXXX! In other words I was paying for the computer twice! I told the credit card customer service that they owed me XXXX because I had overpaid them! On the original amount. They said sorry but in XXXX of XXXX they had ballooned payments so the amount I owed doubled. I said when I got the computer, no one said anything about balloon payments, in fact I was told it was interest free. Otherwise I would not have bought the computer at all, I knew I could not afford it if those conditions had been explained to me properly and had they not repeatedly lied.
XXXX XXXX, XXXX a credit charge of {$1400.00} from XXXX XXXX XXXX to my citi credit card was a fraudulent charge. I tried the dispute process and citi had issued a temporary credit. I provided all documentation while citi went back and forth with the merchant. This went on for about three months. I called citi when they sent a statement/communication stating that the dispute was closed and in the merchants favor. I explained all of the details, and the representative issued a XXXX credit. This still leaves my account overdrawn and over the limit. Now I am having a hardship paying the balance which is now over {$1800.00} with interest and is due the 20th of this month.
CAPITAL ONE BANK USA, Acct # : XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
In violation of its XX/XX/XXXX Consent Decree with the FTC, Allied Interstate contacted me at XXXX XXXX ( EST ) on XXXX. XXXX, XXXX. Identified as debt collector from Allied Interstate. Proceeded to determine that I had forgotten about some of the student loans I had taken out. Caller then went on to state that the Dept of Ed had identified my employer and they could/would garnish wages if I do not resolve the default. 

However I have been unemployed and on social security XXXX since XX/XX/XXXX and therefor the caller was clearly making a false statement in the hope of spurring my compliance with his wishes. I informed that he was not dealing with me honestly ( " XXXX '' ) and told him I would not deal with someone who can not deal with me honestly.
On or about XXXX XXXX I received a Letter From Ocwen saying Dear Customer during a routine review, we discovered a overcharge for property preservation? See Ocwen Billing Correction letter XXXX ) I have Never been a Ocwen Customer? So how are you applying charges to a account Ocwen has previously admitted that was erroneus and False. 
XXXX XXXX also said via email that Ocwen Loan Servicing , LLC had nothing to due with the Fraudulent sale recorded on XXXX/XXXX/2016 into the XXXX XXXX XXXX XXXX Office a Felony XXXX a Violation.He said it was XXXX not OCWEN Why is their activity on the alleged non existent account XXXX showing a escrow balance and other monetary transactions. ( See Exhibit A ) These are blatant XXXX Violations and Money Laundering, defrauding the Federal Government XXXX XXXX by false and fraudulent claims.
The loan servicing was transferred from  XXXX   XXXX   XXXX  to Select Portfolio Servicing in   XX/XX/XXXX ,  but no notifications were ever sent out. Payments continued to be sent to  XXXX  until   XX/XX/XXXX  wh en a letter was received that payments were going to wrong company. Violatio ns under12 CFR 1024.33.    XXXX  No one from  Select Portfolio Servicing ever called to see what was going on and to counsel as to what should be done. Violations under 12 CFR 1024.39 and 12 CFR 1024.40.    XXXX  Had the servicers done their job the home would not be at risk of foreclosure.
Chase called me at  XXXX  about a payment that was made. The payment was {$150.00}, but {$150.00} was due. They called me regarding {$3.00}, but the due date on the payment was the  XXXX , but it is the  XXXX . Both of my accounts are in good standing, but yet there was a need to call me at  XXXX .   They took an auto pay for the {$3.00}, and marked our account to not call before  XXXX  (  XXXX  California time ). They claimed they have no information for making the call.
When checking my card transactions, I found several fraudulent transactions for the purchase of same type items, occurring on various days. These transactions totaled several XXXX dollars, all deducted from my monthly Social Security Retirement. 
On XX/XX/18, after multiple attempts to contact customer services, I finally got an answer. I explained the problem to a very nice lady in customer services. She instructed me to withdraw the remaining money on my card, then call back to report the fraudulent transactions, and get a new card. 
I withdrew the remaining monies from my card on XX/XX/18, and then began my attempts to call customer services to request an investigation of transactions and get a new card. 
As of XX/XX/18, I have now spent 4 days making frequent and repeated calls to contact customer services. All attempts unsuccessful, with recorded message stateing a larger than normal amount of calls being received, and to call back or use web site! All attempts to contact customer services via web site were also unsuccessful!!!
A credit card issued by Chase Bank stated " Cash Advance Limit '' as {$3400.00} both monthly credit card statements as well as online account details. 

I had a charge of {$9200.00} from a Financial Institution on XX/XX/2016 that was coded as " Cash Advance '' under " Type '' by Chase. Even though the stated Cash Advance Limit was {$3400.00}, Chase allowed a transaction that it coded as " Cash Advance '' to be approved that was much higher than the " Cash Advance Limit '' stated by Chase. 

I was immediately charged a " Transaction Fee '' of {$460.00} and subsequently a " Cash Advance Interest '' of {$150.00}. 

Upon seeing clarification on how Chase Bank could allow a charge coded as " Cash Advance '' that is almost 3 times the " Cash Advance Limit '', Chase Bank responded with a statement " We [ Chase Bank ] may allow some transaction to be processed about [ above ] the credit line or cash line so that our customers do not have to face any kind of embarrassment. '' On further clarification Chase States " there 's an option that prevents you from going over limit. We can place an over limit block on your account. '' This was not made clear on the statement or online nor the fine print on the statement. I consider this as a deceptive practice by Chase Bank and is unclear to the consumers. If Chase is knowingly publishing a clear " Cash Advance Limit '' - it should either abide by it or reword the limit. 

There is no way I would have charged {$9200.00} from the financial institution had I known Chase would code it as " Cash Advance '' and given that the cash advance limit was lower than the charge, I assumed given the charge is from a Financial Institution, in the event Chase codes it as " Cash Advance '' the transaction will be automatically declined. 

I have immediately paid the amount charged as soon possible. 

Attached are copies of the communication from Chase Bank and a screenshot of online account management showing " Cash Advance Limit ''